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…
By Steve Perrigo Editor’s Note: It would surprise many employees to know they already have access to disability coverage. If you’ve paid FICA taxes for five of the last 10 years, your Social Security Disability Insurance policy is paid up. Two years into a pandemic and the changing economy and Great Resignation forced U.S. employees…
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…
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…
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…
