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.
Whether you’ve been living with a disability for a long time or have recently experienced an unexpected one, seeking ways to nurture your career growth is important for personal and professional development. That said, it’s not uncommon for individuals with…
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If you had to pay an unexpected $400 bill today, would you be able to without reaching for a credit card or asking for a loan? If your answer is no, you’re not alone. And you need to keep reading this blog. A large proportion of working Americans are in the same boat, lacking liquidity…
Disability insurance is one of the most important forms of insurance for working Americans. The financial expert Dave Ramsey calls it “a necessity.” It has been described as a valuable benefit by NPR while NBC News calls it “more important for singles than just about anyone.” Having a form of income protection for when you’re injured, ill…
It started with what seemed to be a sinus infection. “But it just wouldn’t go away,” remembers Lisa Gohra. So she went to see her doctor. He put her through a series of tests: ultrasounds, chest X-rays, CAT scans, needle biopsies. Then the diagnosis arrived: Advanced Papillary Thyroid Cancer with a tall cell variant. The…
This article originally appeared in Human Resource Executive in the summer of 2017 — we’re reposting it as May is both Disability Insurance Awareness Month and Mental Health Awareness Month. This column is not the one I planned for you to read today. A computer-system update gone wrong drove me to write a new post…
Disability insurance provides critical financial protection that is very different from other insurance products. Millions of working Americans don’t have it, and many don’t fully understand what it protects. A 2017 report from LIMRA revealed that 65 percent of respondents thought that most people need disability insurance. Yet only 48 percent thought they personally needed it, and a…
Has the latest mommy blog replaced the Wall Street Journal as your go-to online reading? Congratulations! There’s no more exciting time than when you’re expecting a baby. But, along with the anticipation comes some worry — about your baby’s health of course, but also smaller things, like will you ever learn how that car seat…
If someone were to ask you about the level of pollutants in your daily environment, you’d probably think about your home, your city or town. But if you have a full-time job, what about the health of the workplace you spend most of your waking hours within? One third of most people’s adult lives will…
By Andrew Melnyk, Chief Economist and Vice President of Research, American Council of Life Insurers Last week, Fred Schott of The Council for Disability Awareness outlined an approach to answering the following question: how many working Americans have (or don’t have) some form of private disability coverage? It is an important question because, as we know, Social…
At least 35 percent of working Americans don’t have private disability insurance. And what that means is approximately 50 million people won’t receive a paycheck if they leave work to have a baby, or are recovering from an injury or an illness. Working adults need disability (or income protection) insurance because people regularly leave work…
How many working Americans have private disability insurance coverage? This is a crucially important question for us at The Council for Disability Awareness. We would like to see all working Americans have some form of private disability coverage to protect their income when they’re out of work for an extended period of time because of…
Disability insurance — also known as income protection coverage — is one of the most important and overlooked pillars of financial planning. Think about it. The average person is so dependent on their ability to earn a living, they couldn’t continue their lifestyle if they missed even a single paycheck. The Federal Reserve asked adults…
Benefits are becoming a key differentiator in the job market. A 2017 report by the Society for Human Resource Management (SHRM) reports that nearly one third of organizations increased their benefit offerings over the past 12 months. The leading reason? To remain competitive in the talent marketplace. Amid all the benefits being offered today, from…