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…
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…
Editor’s Note: For this installment of our multi-part mini-series, we’re re-publishing a LinkedIn article that CDA Research Director Fred Schott originally put up on June 29, 2021. I’ve written on this topic before (see here, here, and here) but I want to add some fresh content, blend it in with some previous material, and serve up something new— all with the…
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…
By Matt Jensen, Executive Vice President and Chief Marketing Officer, Integrated Benefits, Inc. This post tells a story about a benefit available to most people living and working in the United States – Social Security Disability Insurance (SSDI). The SSDI program pays benefits to you and certain family members if you are unable to work due to a medical condition…
Fred Schott, director of operations and research at The Council for Disability Awareness, and Ian Bridgman, a CDA board member and executive director of The Claim Lab are kicking off The CDA’s new topic beat on mental health. What follows is an exchange between the two on the dirty little data details that can be…
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…
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…
