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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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…
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…