For HR folks, the fall is sort of like their own version of the retail holiday season or the big football final…that’s because it’s open enrollment, the time when employees are able to make major changes to their benefits plans without penalties. And just like retailers start planning their holiday promotions early, so should the…
If you’re in your mid-to-late 40s, the options to protect your income may be coming to an end. If you don’t have income-protection disability insurance, you may find it’s more difficult to get it and that the cost is increasing. Disability insurance? Yes, basic disability insurance is most affordable way to protect your income…
Supporting the mental health of your employees is integral to the long-term success of your business. Folks with mental-health-related disabilities need to feel supported and safe in their work environment and will benefit greatly from modifications that promote equal access to healthcare and therapy. As an employer or manager, you can promote better mental…
This article originally appeared on the Guardian Life website “My life changed in an instant,” said Rosemarie Rossetti during Guardian’s webinar, The Inaccessibility of Accessibility: Helping family caregivers find the resources they need. When a 7,000-pound tree and live power lines fell on her while she was biking with her husband, Rosemarie was instantly paralyzed from the…
By Anita Kulakowski, Integrated Benefits, Inc 1. Understanding the Wait Time for Medicare After Receiving SSDI Most people know that Medicare is a federal health insurance program available to individuals who are 65 years and older. But, did you know that people who have been receiving Social Security Disability Insurance (SSDI) for at least two…
Socioeconomic class is a leading predictor of health, well-being, and quality of life. In the US, where social capital is largely determined by income, folks from lower socio-economic status (SES) households are more likely to experience poverty and poor health and are less likely to experience educational success. Unfortunately, those who live with disabilities are…
Mia Ferrarin Marketing Manager, Life and Disability Insurance, Individual Markets Guardian Life Insurance Company of America® Editor’s Note: When you think about protection, you might think about the assets in your life that you safeguard by purchasing an insurance policy — like your car, your home or other valuables. Maybe you think about other…
Ninety-year-olds running marathons, CEO’s launching start-ups at age-70, rock stars and presidents working into their 80’s. Today millions of Americans are living longer and some of them are doing amazing things. Thanks to improved healthcare and education, it’s projected that a baby born this year in the U.S. has a 50% likelihood of living past…
Covering The Gap Due To A Medical Absence: Disability Benefits And Ticket To Work Are The Most Significant Forms of Employment Protection For American Workers By Steve Perrigo, Vice President, Allsup In today’s work environment, where one in four 20-year-olds will become disabled during their working years1 and long COVID brings uncertainty, it makes…
How brain chemistry and terror slow time down. Maybe it’s happened to you. You trip on a stair, begin to fall, and suddenly, everything slows down. Your coffee cup floats away. The ground rises slowly. A friend watches you in alarm. Your arm reaches out to brace yourself. It feels like many seconds have…
