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.
Many companies, from Wall Street to Main Street, USA, provide incentive compensation for their top producers. However, the vast majority of Group LTD plans are based only on Base Compensation or Salary. The primary reason for this disconnect is that…
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If you’re reading this, you’ve probably heard the statistic: According to the Social Security Administration, approximately one in four young workers will experience a disability before reaching retirement age. One in four. It’s an eye-opening statistic. But it doesn’t come close to illustrating the full magnitude of disability risk when we look beyond the individual.…
I was young, healthy, and busy raising a family while working full-time. Like most people, I believed disability happened to someone else, but not to me. I worked in customer service. I sat behind a computer all day answering calls and helping clients. I wasn’t doing dangerous work. I wasn’t climbing roofs or operating heavy…
We are well into the CDIA’s Fall Campaign, and the response continues to validate our efforts to educate working Americans about this often misunderstood and overlooked benefit. The campaign’s insightful articles and videos will continue through Thanksgiving, encouraging employees to learn more, ask questions, and participate in their employer programs. The winners are working Americans…
When most people think about Social Security Disability Insurance (SSDI), they think about the monthly income it can provide when a serious disability prevents someone from working. But SSDI offers important protections and resources beyond your paycheck. If you qualify for SSDI, you may also become eligible for Medicare after the applicable waiting period. And…
Leslie, a 42-year-old middle school teacher, had been experiencing pain and stiffness in her wrists, shoulders, neck and back for a while, so it was no surprise when she told her principal, Ron, that she had been diagnosed with rheumatoid arthritis. There was a family history of it, and she said she was scared that…
Protect Your Paycheck and Financial Future with Disability Insurance Open enrollment season brings a familiar routine. Employees review medical plans, compare deductibles, and choose coverage for their health needs. But employees often overlook one critical benefit: disability insurance. Consider a dual-income household earning $120,000 a year. One partner earns $60,000. Complications during pregnancy force that…
It’s Friday. Payday. And before you’ve even had your morning coffee, your paycheck is already hard at work. Part of it goes toward the mortgage. Some covers groceries, utilities, and the car payment. Another piece may go into your retirement account. Maybe there’s money set aside for college tuition, a family vacation, or the emergency…
Small businesses are a vital part of the U.S. economy. From independent professionals and local service providers to small agencies and retail businesses, more than 36 million business owners operate across the country. Small businesses are not only an important part of today’s economy, but also a key driver of its future growth. Since 1995,…
Open enrollment is often when employers take a fresh look at their benefits strategy. How competitive are the plans? Are costs sustainable? Are employees using the benefits available to them? And perhaps most importantly, are the benefits meeting the needs of today’s workforce? There’s another question worth asking: If one of your employees couldn’t work…
We rarely think about disability in economic terms. Instead, we tend to focus on what disability costs: Social Security benefits, healthcare expenses, lost wages, and lost productivity. But what if we looked at it from a different angle? What if we asked how much economic activity occurs because people with disabilities keep earning income? The…
When most people hear about the No Surprises Act (NSA), they think about protection from unexpected medical bills. Before federal protections took effect, research showed that surprise medical bills were a significant issue for U.S. patients. That is exactly what the law was designed to address: shield patients from certain surprise out-of-network charges. But there…
The leaves are turning, so it is time for the Council for Disability Income Awareness’s (CDIA) Fall Campaign to ramp up. The Fall Campaign has historically focused on helping educate and motivate employees to consider enrollment or reenrollment in employer-provided disability programs. Unfortunately, with much of the attention focused on health insurance, including potential premium…