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.
Where the members say, “Welcome, however, we’re sorry you’ve joined”. Thus began my breast cancer journey. The Diagnosis and Timeline: The Practicality I was diagnosed with Invasive Pleomorphic Lobular Carcinoma (IPLC), Stage 3, last November. It started with a routine…
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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…
Financial fitness isn’t just about how you’re performing in the market or your career trajectory – it’s also about knowing you have the financial support when you can’t work. According to the U.S. Bureau of Labor Statistics, on the average week, one in five U.S. employees takes a leave of absence.1 That means, whether because…
As a marketing strategist who supports financial professionals across the insurance industry, credibility is essential to your client conversations, especially when it comes to detailed topics like disability income insurance. Many clients are unaware of the risks and unprepared for the financial consequences of a disability. The importance of your role involves educating, informing, and…
Who Should Consider Disability Insurance? The reality is that nearly everyone should. Your ability to earn a living is a crucial asset that supports you and your loved ones. But what if an unexpected illness or injury puts your income at risk? Understanding Disability Insurance Disability insurance acts as a financial safety net, ensuring that…
The Connection Between Financial, Physical, and Mental Wellness Being “fit” goes beyond just physical fitness. For some, it involves a balance of mind, body, and soul. But does it end there? How do other aspects, like financial well-being, factor in? Financial fitness may be just as important. Perhaps we need to consider the whole picture…
Nearly 94,000 Americans died due to overdose in 2024. That’s an improvement. Substance Use Disorder (SUD) impacts millions of Americans, including a significant portion of the workforce. Its repercussions go beyond personal difficulties, affecting economic productivity, workplace safety, and the insurance industry. Tackling this crisis requires a comprehensive approach. The Scope of the Problem In…
Sometimes, you see a statistic that will turn your head. That was particularly true in a recent news headline, “CDC Data Shows Over 70 Million U.S. Adults Reported Having a Disability”. The U.S. has about 335 million people, with roughly 262 million of them being 18 or older. If 70 million adults have a disability, that’s…
This blog marks the kickoff of the Spring Campaign, which is themed ‘Financial Fitness.’ For over twenty years, the CDIA has been the leading source of information for working Americans and the agents, brokers, and employee benefit representatives who assist employers with their benefit packages. While our focus is on disability income, it’s essential to…
This article originally appeared on the American Fidelity Blog. Zip-lining in Costa Rica. Parasailing in Cabo. Skiing in Colorado. In today’s world, millennials have more access than ever before to new experiences, new adventures, and new opportunities to cross items off their bucket lists. Because of their active lifestyles, disability insurance is an important part of their benefits…
As the seasons change, so do the health challenges many individuals face. Certain disabilities and health conditions tend to peak during specific times of the year, influenced by factors such as weather, holiday stress, and seasonal illnesses. Here’s a closer look at some of the leading disabilities and their seasonal patterns. Musculoskeletal Disorders Peak Months:…
Feed a cold and starve a fever? Or is it the other way around? This old adage dates back to the 1500s, based on the belief that eating warmed the body to fight a cold, while fasting helped cool it down to reduce a fever. But that’s a myth. In reality, your body needs fuel to fight…
Winter is still in full swing, which has many people excited to either hit the slopes or hunker down for the next few months. While the dead of winter is a great time for reflection, it can also lead to burnout for even the most productive employees. Between the cold weather, seasonal affective disorder (SAD), and short…