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.
Why Traditional Employer Coverage May Not Fully Protect Executive Income – and What to Consider in Addition Spontaneity can add excitement to life—whether it’s a last-minute getaway or an unplanned purchase. However, while some surprises can create lasting memories, others,…
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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…
Guiding Clients Through Disability Insurance Underwriting Disability insurance (DI) provides clients a vital financial safety net by replacing income if illness or injury prevents them from working. However, the underwriting process can sometimes be a hurdle for agents and clients. As a trusted advisor, guiding your clients through this process with clear communication and education…
Spring is an exciting season for the Council for Disability Income Awareness (CDIA). This blog kicks off our annual Spring Campaign, which, together with DIAM™, highlights the importance of disability income insurance for working Americans. Over the next few months, our member firms and industry experts will share blogs and videos each week. We encourage…
Launching a small business can feel overwhelming — and for parents with disabilities, it often requires additional planning and problem-solving. Still, entrepreneurship can offer a flexible, meaningful way to work when it’s designed around real life rather than traditional expectations, prioritizing stability, autonomy, and long-term sustainability. For many parents with disabilities, work is about more…
Six months ago, I wrote a blog titled “Joining the Sisterhood” that described my experience with the routines, exhaustion, fear, and strange sense of structure that cancer brought into my life. Over a month ago, I finished my treatment successfully, but I didn’t realize it would come with its own set of challenges, surprises, emotions,…
When your paycheck is your most valuable asset, you’d assume your employer-provided disability insurance coverage is enough. For many professionals earning six or seven figures, however, the truth is quite different. Standard group long-term disability (GLTD) insurance plans may offer protection, but they often leave high-income earners more exposed than others. Here’s why, and what…
Consider this: If you couldn’t work starting tomorrow, how long would your savings last? Unexpected events, like an injury or extended recovery, can drain resources quickly. That’s why Open Enrollment is a smart time to consider how your workplace benefits can help protect your income. Disability insurance benefits from your employer replace a portion of…
Thoughts on the term “disability” When most people hear the word disability, they often picture a wheelchair, a cane, or a designated handicap parking space. These visible markers have long shaped public perception of what it means to be disabled. But what if the challenges someone faces aren’t immediately apparent? Invisible disabilities encompass a broad and diverse…