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.
A university professor unable to sit for extended periods. A social worker anxious to get back to work while closing out cancer treatments with ongoing radiation. A grocery store employee injured in a car accident. All three are but a few examples of how a consultative process established early on in a disability claimants’ journey…
When people think about disability insurance, they often picture someone scraping by, living paycheck to paycheck, and desperately needing a backup plan. That’s not you, right? You’ve built something: a strong portfolio, real estate, a few investment accounts, and maybe a vacation home. You’ve done well, and your net worth proves it. But here’s the…
The interactions between physical and mental health conditions are complex and bidirectional. Most psychiatric diagnoses include physical symptoms, and people with mental health conditions tend to make lifestyle choices that increase their risk for physical conditions, leading to poor diet quality, obesity, decreased physical activity, and tobacco and alcohol use. Further, people with anxiety and…
There are plenty of financial well-being articles out there. They’re useful, but many offer similar advice to working adults about budgeting based on income, managing credit card debt, or how to focus more on savings. While those are certainly wise suggestions, there are lesser-known opportunities that can similarly impact your financial fitness. By leaning into…
As many self-employed women entrepreneurs can attest, running their own business is a balancing act. Between growing the company, managing finances, and keeping up with family responsibilities, juggling it all can be difficult, yet rewarding. Building something from the ground up that’s truly your own is only part of the story. It’s also important to…
Hey, How Did You Sleep Last Night? For something we spend about a third of our lives doing, we likely don’t pay enough attention to sleep. Our focus on it typically only arises when something disrupts a good night’s rest: “the baby kept us up all night,” “I pulled an all-nighter to finish that,” “can…
Disabilities occur every day in America. Besides the occasional accident or injury, most result from prolonged illnesses that prevent individuals from performing their occupations, often while under the care of a physician. This can lead to a complete loss of income or a reduction of 15 to 20% of their prior earnings. A recent study…
In our ever-changing economy, financial fitness is more important than ever for most working Americans. High costs and rising interest rates have many tightening their financial belts. In this environment, it’s important to know the federal protections that are in place with Social Security Disability Insurance (SSDI) should you ever need them. SSDI supports disabled…
According to the Bureau of Labor Statistics, less than 30% of the US population has access to paid family leave. Some employees have access to paid maternity leave through short-term disability insurance, but many mothers need additional time to bond with their baby. This is top of mind for many families. For instance, Good Morning…
Two issues became top priorities for businesses in the wake of COVID-19: employee well-being and employee retention. Although both had been important before, employers recognized them as key to business survival in the face of the pandemic, and both have continued to be significant concerns even as the pandemic emergency ended. Employee well-being initially focused…
Investments and insurance go together like exercise and nutrition. Let us consider the analogy of losing 20 pounds. You start working out 7 days a week. You’re killing it. Improving your strength, burning 1000 calories per day. The problem: you’re not losing any weight. That’s because you are so hungry after working out every morning…
Many employers offer group short—and long-term disability coverage as part of their employee benefits package. However, smaller firms, particularly those in blue-collar industries, are less likely to offer comprehensive disability coverage. These companies may often only provide group short-term disability, which typically pays benefits for 3 to 6 months. Even organizations historically offering group disability…