In August, I wrote about how the non-occupational disabilities covered under salary continuation or disability insurance plans are more common than the occupational disabilities covered under workers’ compensation. I suggested your benefits team should be as focused on managing the costs of non-occ disabilities as your risk management team is on keeping WC costs in…
In last month’s blog post, I wrote about how the non-occupational disabilities covered under salary continuation or disability insurance plans are more common than the occupational disabilities covered under workers’ compensation. I suggested that your benefits team should be as focused on managing the costs of non-occ disabilities as your risk management team is on…
In the U.S. alone, some 31 million people find themselves dealing with lower back pain at any given moment. Worldwide, low-back pain is a leading cause of disability, as well as a common reason for otherwise healthy people to miss work. While back pain may be a result of poor posture, muscle injury or obesity,…
Millennials are shaping up to be one of the most influential and unique generations of all time. They’re already the biggest population in US history, consisting of 92 million people (compared to 77 million “baby-boomers”), and they currently make up close to half of the American workforce. One thing that sets millennials apart from past…
The concern over losing employees is something that keeps many HR managers and CEOs up throughout the night, and for good reason. Replacing even a $10/hr employee can cost over $3,000, and the expense of finding someone to take over a high-level position can be $8,000 or more. Even if you treat your employees like…
While the term “Gig Economy” is often vaguely defined (it depends on who is included in the definition), the Bureau of Labor Statistics describes it as a workforce characterized by “single project(s) or task(s) for which a worker is hired, often through a digital marketplace, to work on demand.” Broadly speaking, Gig workers are individuals…
Most people underestimate just how close to injury they can be at any given time. Some go to great lengths to eat healthy and exercise on a daily basis, only to slip and fall on their way home and end up out of work for weeks, or even months, as a result. Others regularly participate…
Long-term disability insurance helps protect you from life’s unknowns and ensures you have a paycheck even when you’re not working. For anyone still paying off student loan debt, disability insurance is a must-have so you don’t fall behind on your loan payments.
How much disability insurance do you actually need? Can you sustain your standard of living if you bring in approximately 70% of your income? How prepared are you for a disability? We explore these and more
Pregnancy involves much anticipation, preparation and uncertainty. Expectant moms know they ought to eat well, but there are many aspects of pregnancy and preparation for life beyond that are not as clear. Everyone’s experience is unique, and, for most people, navigating what comes next—not only the changes a baby brings, but also immediate questions about leave and health benefits—can be an unfamiliar and complicated process.
