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…

Mother holding a baby.

4 Things to Know About Family Leave and Your Income

Becoming a parent is an extraordinary and, at times, stressful endeavor. Your life is about to fundamentally change. And as you plan the myriad dimensions of this new reality, you may be wondering how you’ll cover all the bills while you take time off work. Family leave is a complex issue and it requires a…

Five Tips for First Time Disability Insurance Shoppers

Long-term disability insurance. It’s not as immediate a need as health insurance, and you probably don’t think it works into your long-term financial plan as much as life insurance does. But it’s still really, really important. Long-term disability insurance is, at its core, income replacement. It can help you make ends meet when you’re unable…

How Paid Family and Medical Leave Policies Can Impact How You Choose Your Benefits

Annual enrollment will soon be underway for many employees. During this time, workers choose benefits they feel are most important to protect their health and financial well-being. Understanding the benefits your employer offers and their associated costs are most likely key considerations for you.   In this post, I am going to focus on one…

For Employers, Vendors are Key to Strategic Absence Management

By Marjory Robertson, AVP & Senior Counsel and Abigail O’Connell, Senior Counsel, Sun Life Financial When employees need to step away from work — whether to welcome a new child, care for a family member, or another life event — protecting their jobs and benefits, understanding their rights, knowing whether their employers will pay part…

Time to Invest in You: Ways to Make Your Retirement a Reality

By Rachel Barrow, AVP Marketing, Individual Markets, Guardian Life Insurance Co. of America® Dreaming about retirement may bring to mind relaxation, travel, and leisure time. Many people find, though, that planning for it can be stressful – but it doesn’t have to be that way. If open enrollment time has you thinking about how you’ll fund your retirement,…

Why relying on SSDI is better than nothing, but far from optimal

By Ted Norwood, General Counsel and Director of Representation, Integrated Benefits, Inc. According to the Council for Disability Awareness, half of those who don’t work for the government have some form of employer-paid disability insurance (short-term disability only, long-term disability only, or both STD and LTD). These benefits are important because 25 percent of today’s 20-year-olds…