We post blog articles here regularly about financial, physical, and emotional wellness, and the steps working Americans can take to protect their income and strengthen their resilience, at home and in the workplace.
Affordability is a major concern for employers, with discussions frequently focusing on healthcare expenses, out-of-pocket costs, and wage pressures. Employees are facing similar financial challenges – and it’s impacting how they use and experience their benefits, including disability and leave.…
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When considering the theme “Protect Tomorrow Today,” an important question comes to mind: whom are we protecting? From the perspective of a disability insurance professional, the obvious answer is the employee covered by the policy. But disability insurance protects much more than the individual worker. It can also protect families, employers, and communities. The importance…
Disability Income Planning Disability income planning generally focuses on replacing lost work earnings. Many employer-sponsored long-term disability (LTD) plans replace 60% of salary, which may initially appear sufficient. Consumers and financial advisors often evaluate whether this reduced income level would still support the household’s expected monthly expenses. Some expenses may decrease during a period of…
Today, individual disability income insurance sales are less than half of what they were in 1986. Take a moment to consider that. Forty years ago, in a country with 60 million fewer people, significantly lower incomes, and participation limits a third of what they are now, our industry was selling more than twice as much…
When “the accident” happens, your first thought may be, “Did I really just do that?” Or perhaps something stronger. But yes, it happened. And after the quick-care doctor says you’ll be out of work for weeks, the questions will pile up. How did this happen to me? Accidents are not a question of if. We…
If you’re a homeowner, you likely have a sense of what your home is worth. Many people check periodically, keeping an eye on how that value changes over time. But there’s another asset that often goes unmeasured—and it can be significantly more valuable over the long term: your ability to earn an income. Consider a…
Most employers insure their buildings, equipment, and operations—but often overlook the one asset their workforce depends on most: income. Today, a majority of U.S. workers are financially vulnerable. In 2025, 67% reported living paycheck to paycheck, and 78% said they would face financial difficulty if their paycheck were delayed by just one week. When an…
In today’s economy, protecting your income is more critical than ever. While the cost of everyday items and interest rates remain high, many working Americans are feeling the financial strain on almost every front. In this environment, financial stability can change quickly—especially if a serious illness or injury prevents you from working. That’s why understanding…
I Didn’t Think I Needed Disability Insurance—Until I Did When I first started in the insurance industry, my general manager told me something I never forgot: “You can’t sell what you don’t own.” So, I bought disability insurance. Not because I thought I needed it, but so I could offer it to others as protection…
Have you ever thought about what it would be like to have a medical condition or injury that prevented you from working? I run The Claim Lab, a small specialist company that analyzes data from disability and workers’ compensation insurers. Our goal is simple: use data to help people recover and get their lives back…
Brokers play a critical role in helping clients protect their income, but even well-designed disability insurance programs can fall short without the right strategy behind them. From plan design to implementation and ongoing support, small missteps can impact both client outcomes and long-term trust. 1. Leading With Sky-high Benefit Amounts Some brokers focus on presenting…
Eat Your Ice Cream! Trust me, a doctor said it. You can stop reading now… or read on to learn about a little nuance in that statement… We are all looking for sensible ways to take care of our physical and mental health. We are also looking for ways to make sure that our financial…
When benefit brokers meet with clients to discuss financial security, the focus is usually on health coverage, retirement plans, and sometimes life insurance. Yet one of the most valuable assets clients have—their ability to earn an income—is often underprotected. If income fuels every financial goal, then protecting it should be a foundational part of every…