Being a caregiver with a full-time job is a challenge. What are the options?

What Are Your Options When You Need to Take Care of Yourself or a Family Member?

FMLA, PFML, and Disability Insurance: What are your options when you need to take care of yourself or a family member? Caring for your health is tricky enough, but being a caregiver with a full-time job can strain your finances, job, and overall mental and physical wellbeing. A 2020 report from AARP states the number…

Helping Employers Increase Participation in Voluntary Long-Term Disability Insurance Plans

Helping Employers Increase Participation in Voluntary Long-Term Disability Plans

Recently, I was on a call with a prospective client company’s human resource department along with representatives from a national employee benefits firm. The purpose of the call was a ‘finalist presentation’ for a voluntary Guaranteed Standard Issue (GSI) program for the executive class of employees. I provided the framework for an interesting ‘ask’ from…

Your Benefits Enrollment Choices Can Strengthen Your Holistic Well-Being

Your Benefits Enrollment Choices Can Strengthen Your Holistic Well-Being

As the coronavirus pandemic continues to impact millions of employees across the United States, nearly half of workers say open enrollment is more important this year. In fact, 75 percent of employees indicate there are benefits they are more interested in this year than last year, according to MetLife’s 2020 open enrollment survey.   There…

Bipolar disorder and disability benefits claims

Bipolar Disorder and SSDI

Bipolar disorder – sometimes known as “manic depression” – is a disorder of the brain. People with this disorder will often experience extreme shifts in levels of activity, mood and energy. Such extremes are referred to as manic and depressive episodes. Out of all bipolar disorder cases, 83% are classified as severe. Most cases of…

Skateboarder's feet at sunset

Older Skateboarder, Stitches, and Disability Insurance.

When the quick care doctor who was stitching up my elbow asked how I fell in the parking lot, he broke into a smile when I said “skateboarding.”   I’m over 60-years and reasonably “fit.” But, “smart” came into question that day. Being active and over 60 had lulled me into some overly casual choices,…

Gig worker delivers food to woman at home

What Gig Economy Workers Need in a Financial Safety Net Today

If you’re a typical gig economy worker, you have multiple income streams. Maybe you drive for Uber, deliver meals for Grubhub, serve as a virtual assistant for several clients, and write a regular blog that generates ad revenue.   Having multiple income sources can be an advantage during uncertain times. But the downside of gig…

May is Disability Insurance Awareness Month

Ask Me Anything about Social Security Disability Insurance

As the spread of the novel coronavirus and COVID-19 altered how we work, live and move about our communities, Americans started sending an increasing number of questions to The Council for Disability Awareness about Social Security Disability Insurance (SSDI). We turned to one of our member company experts – Ted Norwood of Integrated Benefits, Inc.…

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

When most people consider disability, they picture something catastrophic happening—an injury on the ski slope, 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 you…