How disability insurance protected my family and finances

Discovering the Real Value of Employer-Provided Benefits

One spring evening, around 8:00pm, my husband, my six-year-old son, my newborn son, and I were headed home after getting dinner. I don’t remember anything else from that night. My name is Emily, and I’ve worked at IBI for five years, assisting with all aspects of Social Security claims. Daily, I’d interact with dozens of…

Adult couple working on their retirement plan. Plan. Prepare. Protect.

The Future is Now: How Today’s Disability can Affect Tomorrow’s Retirement Plans

By Sharon Scanlon Editor’s Note: It was a beautiful day outside. A perfect day to take a bike ride. Or maybe play a round of golf. But for Dave, it was a day to take it easy on the couch. He just had back surgery and had a few months of recovery ahead of him.…

Employee reviewing her benefits with HR. Plan. Prepare. Protect.

Are You Playing the Odds with Your Future?

Alexandra Ginieres Head of Disability Marketing, Individual Markets Guardian Life Insurance Company of America® Editor’s Note: Your chances of being struck by lightning are pretty slim – 1 in 700,000. But the majority of Americans will be out of work (for at least a temporary period of time) due to symptoms or conditions as common…

Worker and family relaxing outside together. Plan. Prepare. Protect.

Federal Disability Insurance Provides Critical Protection to Millions of American Workers

By Steve Perrigo Editor’s Note: It would surprise many employees to know they already have access to disability coverage. If you’ve paid FICA taxes for five of the last 10 years, your Social Security Disability Insurance policy is paid up. Two years into a pandemic and the changing economy and Great Resignation forced U.S. employees…

Couple at home feeling good about their financial and retirement planning. Plan. Prepare. Protect.

Including Social Security in Your Financial and Retirement Planning (pt 2)

Ted Norwood Editor’s Note: In part two of Ted Norwood’s post on Social Security, financial planning, and retirement, the author explains the various Social Security benefits and impact they may have on your financial status. (Click here to read Part 1 of this post.) Financial Planning, Protection and Retirement The basics The basic principles are…

Couple at home working on their financial and retirement planning. Plan. Prepare. Protect.

Including Social Security in Your Financial and Retirement Planning (pt 1)

Ted Norwood Editor’s Note: You are about to enjoy the most entertaining and informative blog post I’ve ever had the pleasure of editing about Social Security benefits. Read on to learn more about what the Social Security Administration and chocolate chip cookies have in common. Thinking about protecting your family’s income, your children’s future, and…

Young professional woman wondering if she can afford disability insurance. Plan. Prepare. Protect.

Is Disability Insurance a Luxury Good?

Fred Schott and Carol Harnett Editor’s Note: It’s springtime and that means it’s the season for talking about income protection and products like disability insurance that help you protect what’s one of your greatest assets – your income. And that’s what The Council for Disability Awareness president Carol Harnett did recently in a podcast with…

How to Financially Protect Families With A Stay-at-Home Partner

How Can We Help Financially Protect Families With A Stay-at-Home Partner?

When talk of disability income insurance comes up, you probably understand how important it is to protect the breadwinner. Particularly in households where only one person earns an income, disability income insurance (DI) is critical coverage for those who want to financially protect themselves and their loved ones. Insuring a portion of your paycheck with…

Saint Peters University mens basketball players, March Madness underdogs

3 Things the Disability Industry Shares in Common with the Saint Peter’s Peacocks

Carol Harnett Editor’s Note: Disability industry professionals have a lot in common with March Madness’ Cinderella team, the Saint Peter’s Peacocks from Jersey City, New Jersey. They’re strong in understanding the fundamentals of disability and absence, They work hard, and They execute.   I don’t often talk about my undergraduate alma mater. The most likely…