Short-term vs. long-term disability insurance. Plan. Prepare. Protect.

Short- vs. long-term disability insurance: How it works

This article originally appeared on the American Fidelity Blog. Understanding the differences between short- and long-term disability can be tough and knowing which coverage is right for you is not always easy. However, disability insurance is an essential part of a solid financial plan, so it’s important to understand your options. What is disability insurance? Disability…

Young professional woman who can't work because of a health event. Plan. Prepare. Protect.

What happens when a health event causes your income stream to run dry?

By Fred Schott, Director of Operations, Council for Disability Awareness Editor’s Note: The CDA staff participated in a webinar hosted by the Smith Group on May 4th entitled: “Why Don’t More US Workers Have Access to Disability Insurance?” One of the key discussion points was the importance of placing short- and long-term disability insurance within the…

How to use disability income insurance. Plan. Prepare, Protect.

Disability income insurance: How to use it

By Kevin Dolan Editor’s Note: It’s happened. You’re too injured or sick to work for the foreseeable future and you need to use your disability insurance. What do you do? Recognize that periods of disability are financially challenging situations More than one in four 20-year-olds becomes disabled before reaching retirement age.1 Sixty-one (61) percent of surveyed wage earners…

Disability insurance is income insurance. Plan. Prepare. Protect.

Is Disability Income Insurance Worth It?

By Kristina Smith Editor’s Note: You insure your most valuable assets like your home, your car, and your life. Most people would agree that they’re worth protection; however, disability income (DI) insurance is something people tend to be less certain about. They’re not sure if they really need it, or if it’s worth the cost. So, the…

A gambler's guide to disability insurance. Plan. Prepare. Protect.

A Gambler’s Guide to Disability insurance

Duncan Stout Editor’s Note:  Would you like to place a hefty bet against your most of your savings and financial security? Unfortunately, there’s a good chance you made the wager already. One of the largest financial gambles in America takes place every day for millions of working people. It’s a gamble that’s easy to overlook,…

How disability insurance protected my family and finances

Discovering the Real Value of Employer-Provided Benefits

One spring evening, around 8:00pm, my husband, my six-year-old son, my newborn son, and I were headed home after getting dinner. I don’t remember anything else from that night. My name is Emily, and I’ve worked at IBI for five years, assisting with all aspects of Social Security claims. Daily, I’d interact with dozens of…

Adult couple working on their retirement plan. Plan. Prepare. Protect.

The Future is Now: How Today’s Disability can Affect Tomorrow’s Retirement Plans

By Sharon Scanlon Editor’s Note: It was a beautiful day outside. A perfect day to take a bike ride. Or maybe play a round of golf. But for Dave, it was a day to take it easy on the couch. He just had back surgery and had a few months of recovery ahead of him.…

Employee reviewing her benefits with HR. Plan. Prepare. Protect.

Are You Playing the Odds with Your Future?

Alexandra Ginieres Head of Disability Marketing, Individual Markets Guardian Life Insurance Company of America® Editor’s Note: Your chances of being struck by lightning are pretty slim – 1 in 700,000. But the majority of Americans will be out of work (for at least a temporary period of time) due to symptoms or conditions as common…

Couple at home feeling good about their financial and retirement planning. Plan. Prepare. Protect.

Including Social Security in Your Financial and Retirement Planning (pt 2)

Ted Norwood Editor’s Note: In part two of Ted Norwood’s post on Social Security, financial planning, and retirement, the author explains the various Social Security benefits and impact they may have on your financial status. (Click here to read Part 1 of this post.) Financial Planning, Protection and Retirement The basics The basic principles are…