Ian Bridgman Editor’s Note: The Council for Disability Awareness board member, Ian Bridgman, makes a point in this post that few in the group disability insurance industry are willing to discuss publicly: Are US carriers ready to remove the 24-month mental health claim limitation? It is most likely an understatement to say we need more…
This article originally appeared on the American Fidelity Blog. Understanding the differences between short- and long-term disability can be tough and knowing which coverage is right for you is not always easy. However, disability insurance is an essential part of a solid financial plan, so it’s important to understand your options. What is disability insurance? Disability…
By Fred Schott, Director of Operations, Council for Disability Awareness Editor’s Note: The CDA staff participated in a webinar hosted by the Smith Group on May 4th entitled: “Why Don’t More US Workers Have Access to Disability Insurance?” One of the key discussion points was the importance of placing short- and long-term disability insurance within the…
Duncan Stout Editor’s Note: Would you like to place a hefty bet against your most of your savings and financial security? Unfortunately, there’s a good chance you made the wager already. One of the largest financial gambles in America takes place every day for millions of working people. It’s a gamble that’s easy to overlook,…
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…
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.…
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…
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…
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…
Everybody wants to find a workplace that values its employees and provides a healthy working environment. However, 93% of Americans suffer from work-related stress and millions more live in constant financial anxiety due to inadequate access to disability coverage. If this combination of stress and inadequate support sounds familiar, then you should know that you’re…
