Tag: short-term disability

If you suffer a disabling injury or illness that requires treatment and appropriate medical care for a short period of time (typically 12 months or less), short-term disability (STD) insurance benefits can provide you with income replacement. Your short-term disability  income replacement benefits are based on your monthly income, along with a predetermined percentage of […]

When many people think of disabilities—and even disability insurance—physical disabilities come to mind. While physical injuries and chronic pain conditions surely qualify as disabilities under certain circumstances, they are not the only ones. Mental illnesses may also fall under the provisions of many individual and group disability insurance policies. Statistics provided by the National Alliance […]

Download this episode:

On iTunes | On Stitcher

50% of working Americans couldn’t make it a month without their income before financial difficulties would kick in. Could you?

“You have a greater likelihood of becoming disabled than you do of dying before you retire, and yet more people understand the need for life insurance.”

Many people who see themselves as young and/or healthy decide that they have no need for disability insurance, even if it is offered by their employer. However, the statistics simply show otherwise. In particular, joint-related and musculoskeletal-related disorders have increased in recent years, according to insurance data provided by Unum Group. In the five years […]

Disability insurance is a proactive step that many employees choose—or may have provided by their employers—to protect their incomes in the event of debilitating injuries or illnesses. If an injury or illness impairs an employee’s ability to work for any length of time, disability insurance should kick in to provide a portion of the claimant’s […]

A study by Cigna of short-term disability claims provides some insight into the health of Americans. The study, which encompassed the period of 1993 to 2012, also reiterates what we’ve said here before — that disability can strike out of the blue at any age. Therefore, we should all have preparations, just in case. The […]

With father’s day just two days away, now is the time to thank Dads across the country for everything they do to participate in the upbringing of children, from working long hours outside the home to working long hours inside the home as a stay-at-home dad. While it’s not uncommon for new mothers to take […]

Similar to California’s Family Leave Insurance, Rhode Island legislators are paving the way for some short term disability insurance for workers in that state. Dubbed the Temporary Caregiver Insurance Bill, Rhode Island workers are a governor’s signature away from improved job protections during periods of short term disability. The bill allows for partial wage replacement […]

If someone asked you to give examples of a workplace disability, what would be the first thing you’d think of? A back injury from lifting something heavy? Or perhaps carpal tunnel problems from too many hours of data entry? We’re accustomed to thinking only in physical terms when we consider workplace disabilities, but the facts […]

Awareness around breast cancer is likely at an all-time high in the U.S. With Breast Cancer Awareness month just behind us, the threat of the disease is fresh in all of our minds. Cancer is more than a reason for football players to wear pink; it is a life-changing condition for those who survive it. […]