Woman in wheelchair making tea in her kitchen

Home Safety Tips for Those with Disabilities

For people with disabilities, safety is a priority wherever they go. At home, it’s especially important. There might be fewer hazards, but that doesn’t mean they don’t exist. Feeling safe and comfortable at home is important for everyone – especially if you have specific needs.   Whether you’re moving somewhere new and you’re worried about…

Healthy Holiday Eating – Go Ahead, Indulge a Little

The holidays are here. The season of giving, spending, celebration, and for many, the season of high calorie overeating. According to a recent study published in the New England Journal of Medicine, the average American gains about a pound between Thanksgiving and the beginning of January. Even though the weight gain isn’t as high as…

Patient in examination room facing a long wait to see a physician

How the Physician Shortage is Affecting Those With Disabilities

The physician shortage is a real, persistent, and worsening problem, not only in the United States, but around the globe. Studies suggest that there is currently a worldwide deficit of more than 4.3 million healthcare providers. And it is typically the most vulnerable populations who are most starkly affected, including those individuals who are living…

Illustration of a sad young woman with a dark cloud over her head

Overcoming Barriers to Getting Mental Health Help

In the era of COVID-19, a lot of attention has been given to maintaining physical health. However, mental health challenges are as pressing a concern as physical health, particularly in today’s era of uncertainty and social isolation. Unfortunately, access to consistent and quality mental healthcare is not always easy to find. This article looks at…

Lizzette Villeda and her husband, Choosing Resilience, Living Fully: Open Enrollment 2021

Recognizing the Value of Being Prepared

What happens to everyday expenses when an illness or injury prevents you from working and earning an income? Medical insurance helps cover the costs associated with treatment. But How do you pay your mortgage or rent? Do you have enough savings to buy groceries and cover your bills?   Lizzette Villeda discovered the real value…

Social Security Act 2100, Choosing Resilience, Living Fully: Open Enrollment 2021

Social Security Act 2100: Unlikely to Pass, but a Step in the Right Direction

By Michael Mattison     There’s been a lot of buzz around the industry about the recently introduced Social Security Act 2100. If passed, this bill would:   Eliminate the 5-month waiting period for SSDI benefits Provide caregiver credits for individuals that left the workforce to care for children or other dependents Extend student benefits…

Family raking autumn leaves, Choosing Resilience, Living Fully: Open Enrollment 2021

Holistic Protection Includes Income Protection at Every Stage

Alexandra Ginieres Director, Marketing Communications, Individual Disability Guardian Life Insurance Company of America®   Editor’s Note: When it comes to protecting yourself and your family, holistic protection is key. As we begin open enrollment season, start thinking about which benefits will be a good fit for your financial needs. When considering your options, understand the…

3 out of 10 American adults can't pay an unexpected $400 bill without having to carry a balance on their credit card or borrow money from friends, family, or the bank. Choosing Resilience, Living Fully: Open Enrollment 2021

Take Advantage of ALL of Your Employer’s Benefit Offerings

Bob Herum, MSFS, CLU, ChFC, RHU, REBC Editor’s Note: When the leaves start to fall, it’s usually the time for you to enroll in your employer’s benefits offerings. A lot of us focus our time on understanding the health insurance benefits, but you could be leaving a lot of money on the table with that…