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…
It’s the final stretch of winter for people in the northern parts of the U.S., and while the light-filled days of spring are closer, a significant number of people in your workforce may still be struggling with seasonal affective disorder. The American Psychiatric Association reports that approximately five percent of Americans suffer from seasonal affective disorder…
By Matthew Imhoff The Social Security Administration made changes to the Social Security Disability Insurance application and hearing processes during the pandemic. This podcast transcript summary reviews the impact of these changes — many of which are positive. The Social Security Administration was not immune to COVID-19. Like every other aspect of life that…
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…
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…
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…
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…
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…
By Jeremy Parr, Director, Voluntary Benefits, Lincoln Financial Group Editor’s Note: It’s time that companies structure, prioritize, and present benefits to reflect today’s financial and societal realities. Employees often must turn to voluntary benefits to help them shoulder higher out-of-pocket costs. And that means employers need to offer a well-rounded benefits package to help their…
By Missy Plohr-Memming, senior vice president, Group Benefits, MetLife Acting as a vital bridge between employers and individual contributors, a managers’ role has become even more critical over the last year and a half. Indeed, managers have not only stepped up to the challenge of navigating recent shifts in the workplace, but also meeting…
