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14 Cheap but Fun Ideas for a Valentine (or Any Time!) Date Night

Love isn’t free…that is, if you are trying to prove your love with an extravagant Valentine’s Day gift. In fact a survey from the National Retail Foundation found that Americans are expected to spend a record amount on Valentine’s Day this year…an average of $161.96, which is up 13 percent from the average in 2018. Think…

Resolution Reboot: Ditch the February Funk and Recommit to Your Resolutions

When February rolls around, some of us fist pump the air. “Yay! A whole month with my resolution.” Others (a larger amount, by the way) think, “Ugh. I have already failed.” Here’s the thing: February is a great time to reboot your resolution. In fact, ANY TIME is a great time. There is nothing magical…

Employees look to their benefits package for additional income protection: The case for supplemental individual disability income insurance

By Shelly Mushinski, Director, Enrollment & Implementation, Guardian Life Insurance Company of America® It’s not just about life and health insurance. Employees also look to their employer for benefits that matter, such as the need for additional income protection. Your benefits strategy carries a lot of weight with key employees and prospects, and there’s no question having a…

What happens when a health event causes your income stream to run dry?

By Fred Schott, Director of Operations, Council for Disability Awareness If you’re one of the millions of working Americans currently making decisions about your employee benefits choices for the coming year, you’ve probably put most of your focus on the health-plan options, including what is or isn’t covered, which providers are or aren’t in-network, and…

The basics of the Social Security Disability Income Program

By Ted Norwood, General Counsel and Director of Representation, Integrated Benefits, Inc. The United States Social Security Administration offers two programs—confusingly named Social Security Disability Income and Supplemental Security Income—aimed at providing or supplementing the income of people who are unable to work. SSDI (also called Title II benefits) provides disability coverage for individuals who…