By Ted Norwood, General Counsel and Director of Representation, Integrated Benefits, Inc. The United States Social Security Administration offers two programs—confusingly named Social Security Disability Income and Supplemental Security Income—aimed at providing or supplementing the income of people who are unable to work. SSDI (also called Title II benefits) provides disability coverage for individuals who…
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…
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…
Every business should have a basic knowledge about anti-discriminatory handicap and disability laws. At a very general level, the following definition can be proposed: discrimination is any violation of the principle of equality in relation to prohibited criteria. Older discrimination laws used to provide sanctioned regulations which did not sufficiently take into account the differences…
I’ve held a variety of jobs during my post-college career. One of the more interesting ones was when I was a safety and environment consultant in the risk management department of a large insurance company. Our focus was on controlling the costs of our workers’ compensation program. Our WC costs weren’t as high as those…
Today’s workforce is transforming. Employees are looking for a customized benefits offering that reflects who they are, what they do, and why they do it.
Even though long-term disability insurance and long-term care insurance sound like they could be similar types of insurance, they are very different. Learn the differences between them and which one may be best for your particular situation.
The Average Duration of Long-Term Disability is 31.2 Months. Today we look at what can you do to prepare for such a long time without income.
Disability insurance is essential because your ability to earn an income is your most valuable financial resource. Find out which questions to ask before purchasing a policy.
Income protection is crucial for freelancers. Learn why long-term disability insurance must play a part of your income protection plan.
