Every year, thousands of businesses face lawsuits for not taking the proper steps to ensure their establishment is accessible to people with disabilities. Below are some tips to create better access for all – so that as many people as possible can patronize your business — while also avoiding legal trouble. Identify Alternate Entrances…
What are the top causes of disability? HR management can educate employees on common illnesses and disability insurance as a means to protect themselves.
More than 155 million U.S. workers are insured for a disability through the Social Security Disability Insurance (SSDI) program. They receive this insurance coverage through their payroll taxes, or FICA taxes, as a part of the Social Security program. When those who experience a chronic health condition, injury or sudden medical crisis need support –…
By Rachel Barrow, AVP Marketing, Individual Markets, Guardian Life Insurance Co. of America® Dreaming about retirement may bring to mind relaxation, travel, and leisure time. Many people find, though, that planning for it can be stressful – but it doesn’t have to be that way. If open enrollment time has you thinking about how you’ll fund your retirement,…
By Ted Norwood, General Counsel & Director of Representation, Integrated Benefits Inc. SSDI has poor resources for vocational rehabilitation or job placement, and no resources at all for claimants during the wait for a decision. This makes it harder for people to recover and get back to work. Because of the long wait, many claimants…
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…
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…
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…
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…
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…
