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.
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?…
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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…
Back pain is one of the most widespread issues in modern American life. Experts estimate that eight out of ten Americans will experience back pain in their lives. According to the Integrated Benefits Institute’s Health and Productivity Benchmarking 2016, musculoskeletal disorders (aka pain in the back and joints — especially the hips, knees and shoulders) account…
Do the rewards of genetic testing of employees outweigh the possible risks it presents to their financial stability? This article by Carol Harnett, president of The Council for Disability Awareness, was recently published in Human Resource Executive. I became intrigued with genetics in sixth grade. I still recall being fascinated when Mrs. D’Amato described Gregor Mendel’s…