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Why do some insurance policies still use pre-existing conditions?

  By Larry Alkire, Senior Vice President, Chief Marketing Officer, American Fidelity Assurance Company When Congress passed the Affordable Care Act (also known as Obamacare), the term—”pre-existing conditions”—became a household word. The ACA prevented health insurance carriers from denying you coverage, charging you more money, or refusing to pay for essential health benefits for any…

Relocation and your social security disability insurance: Your questions answered

Part of the American dream is being footloose and fancy free…and whether you are relocating to be nearer family, to find a place with a lower cost of living or just to see some new scenery, you probably will move at some point in your lifetime. But in the midst of the goodbye parties, the…

What’s considered a disability? 10 causes every HR leader should know

When most people consider disability, they picture something catastrophic happening—an ill-timed dive off a high rock, or a speeding car hurtling into theirs—and, for the most part assume it can never happen to them. That’s why human resources experts often find it challenging to convince their employees of the importance of disability insurance even though…

Kitchen counter with high stools.

7 Fixes to Make Your Home Easier to Navigate If You Have Arthritis

Arthritis doesn’t just affect the AARP set. In fact, it’s the leading cause of work-related disability, affecting nearly a quarter of adults, according to the Centers for Disease Control and Prevention. Arthritis is actually a “catch all” term for more than 100 joint-related diseases and conditions, including gout, lupus, and rheumatoid arthritis. If you’re one of…

5 most common reasons for long-term disability claims

The Top 5 Reasons Why People Go Out of Work and Stay Out of Work

At least 35 percent of working Americans don’t have private disability insurance. And what that means is approximately 50 million people won’t receive a paycheck if they leave work to have a baby, or are recovering from an injury or an illness. Working adults need disability (or income protection) insurance because people regularly leave work…

Man holding his back

6 Ways to Protect Your Lower Back From Injury

Back pain is one of the most widespread issues in modern American life. Experts estimate that eight out of ten Americans will experience back pain in their lives.  According to the Integrated Benefits Institute’s Health and Productivity Benchmarking 2016, musculoskeletal disorders (aka pain in the back and joints — especially the hips, knees and shoulders) account…

Man with an app

5 Innovative Apps for People With Disabilities

Ever since Steve Jobs appeared on a stage with an iPhone in 2007, software has been radically changing and disrupting our world. Our phones have become virtual publishing houses, TVs, calculators, cameras, GPS devices, and countless other things. For people living with disabilities, accessible tech is making a big difference — and offering new ways to engage…

Depression and Your Office Environment: What You Need to Know

Depression, while often hiding in plain sight, ranks among the top three workplace problems for employee assistance professionals, resulting in 3% of total short-term disability days. For context, that’s more disability than what’s caused by heart disease, hypertension and diabetes—all in the form of an illness that isn’t nearly as visible as a broken bone.…