Bob Herum, MSFS, CLU, ChFC, RHU, REBC Editor’s Note: Facts do not change your clients’ behavior when it comes to understanding their risk for being out of work due to an injury or illness. Bob Herum presents a primer on how to alter your discussion about the impact of disability on financial plans. Traditionally, the…
Ernest Dube Director, Enrollment & Account Management Guardian Life Insurance Company of America® Editor’s Note: Employers can help employees better prepare for their future and help close potential income gaps caused by longer-term workplace absences by providing supplemental income protection. This benefit provides additional coverage benefits from a protection perspective and also enhances employee recruitment…
By Tracey Ferstler, PhD, Head of Return to Health, Global Claims, MetLife COVID turned the world as we know it upside down, and people who work in and around absence management and disability insurance are looking for answers on what’s next. Will we return to normal or is this our new normal? What is unique…
A disability – whether an injury, illness, or affliction – can be debilitating for people in any occupation. And they’re very hard to predict, meaning that someone can get hurt on or off the job anytime, anywhere. That’s where disability insurance comes in. Disability insurance ensures that you won’t suffer financially, should you become temporarily…
By Carol Harnett I recently had the privilege of hosting a podcast with Missy Plohr-Memming from The Council for Disability Awareness’ member company MetLife. Missy is a senior vice president of MetLife’s group benefits national accounts sales organization where she oversees sales strategy and growth initiatives. We talked about the 19th Annual Employee Benefit Trends Study…
After Cris Martin discovered a lump on her chest wall, she went into self-advocacy mode – and learned several lessons along the way, including the importance of taking early action, and having group and supplemental individual disability coverage with a good carrier. Three years ago, my life was exactly the way it was supposed to…
By Bob Herum, MSFS, CLU, ChFC, RHU, REBC Editor’s Note: On July 28, 2015, I was struck by a car as a pedestrian. After the acute portion of my recovery ended, I met with my financial planner to discuss the potential implications to my retirement plan if I was out of work for an extended…
By Nandita Dalal, Vice President, Lincoln Financial Group Moms everywhere are balancing work with caring for their kids or aging parents at home. And for many, it’s become too heavy a load to carry. We’ve heard the stories. Working moms are helping their kids with remote learning while they fall behind on their own work.…
Recently the insurance company I represent, and I am sure other insurance carriers, have been receiving calls and emails from agents, brokers and policyholders asking about the company’s stance on any disability that might occur as a result of receiving the coronavirus vaccine. While a very fair question, the answer is relatively simple for the…
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…
