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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…

Study shows LGBTQ Americans in need of retirement strategy guidance

A recent study from Massachusetts Mutual Life Insurance Co. (MassMutual) revealed lesbian, gay, bisexual, transgender, queer or questioning (LGBTQ) Americans say they want to preserve their retirement savings but tend to take bigger risks when it comes to investing. Forty-two percent of LGBTQ retirees and pre-retirees said the should become more conservative with their money…

When millennials become the bosses: Helping generations work together

Today’s workplace is a historic mash-up, as it’s the first time we’ve had five generations in the workplace at the same time. Of course, it’s true that the oldest cohort, the “traditionalists,” are aging out, but most generation watchers include them since their influence can still be felt in many workplace structures that continue today.…

US employers doubt employees’ ability to achieve a financially secure retirement

Only 16 percent of employers are “very confident” their employees will be able to achieve a financially secure retirement. This statistic was brought to light thanks to a recently completed survey titled Striking Similarities and Disconcerting Disconnects: Employers, Workers, and Retirement Security, by nonprofit Transamerica Center for Retirement Studies (TCRS). Given the large role employers play in…

7 ways to keep employee benefits top of mind

HR works hard to find the best benefits program for employees and then communicate the “benefits of the benefits,” so to speak. But sometimes, even with the best of intentions, the information falls on deaf ears – or blind eyes. In fact, one recent study found that less than half of employees know what benefits…

Employee retention: 6 low-cost perks your employees will love

Looking to compete with the firms that can offer on-site chefs and massages? The truth is that most companies can’t afford to offer the perks common among the buzziest names in high tech, and yet while you might already have the basic covered—from health and disability insurance to retirement savings—many employees today are looking for…