How My Experiences as a Patient Helped Me Become a Better Physician and Deepened My Understanding of the Impact Illness has on the Whole Person

patient and doctor consulting about prostate cancer, a personal story

How My Experiences as a Patient Helped Me Become a Better Physician and Deepened My Understanding of the Impact Illness has on the Whole Person

October 19, 2023
By The Council for Disability Awareness Anxiety, Disability, Disability Insurance, Health and Wellness, Mental Health, Personal Finance, Personal Stories, Uncategorized

By Dr. Jonathan Torres, Medical Director, UnitedHealthcare Specialty Benefits Like many other people, I was going through life busy raising children, working and making time for hobbies and travel when possible. I had completed medical school, residency training and served as a physician in the .. more »

By Dr. Jonathan Torres, Medical Director, UnitedHealthcare Specialty Benefits

Like many other people, I was going through life busy raising children, working and making time for hobbies and travel when possible. I had completed medical school, residency training and served as a physician in the U.S. Air Force. During those more than 27 years as a practicing occupational medicine physician, I had the privilege to treat thousands of patients, many of whom were experiencing significant health issues. When I was in the exam room face-to-face with my patients, I thought I knew most of them reasonably well and had a good sense of what they might be going through.

That all changed shortly after turning 50, when I was diagnosed with a potentially serious medical condition. I had a stark realization: I didn’t know as much as I thought I did about what my patients were going through. As a physician and now a patient, I became immediately focused on finding the best doctors and exploring the myriad treatment options, each with their own risks and complications. I lost sleep reviewing research data on my condition and, honestly, became overwhelmed with all of it.

This new illness consumed my time, energy, and focus – not to mention all that goes with the many medical visits and coordinating treatments amid family and work commitments. I muddled through a trying six months of “not fun” consultations and diagnostic testing. I found myself overwhelmed trying to find the right doctors and decide on a course of treatment, despite differing medical opinions and recommendations. It wasn’t until later I realized how much the stress and anxiety associated with my illness had affected me.

I eventually connected with the right physicians for me and my condition and opted for surgery. While my recovery featured more downs than ups, I was relieved to eventually be on the other side of this life-threatening issue. Although I would never wish any of this on anyone, the experience has made me a better physician and person. It’s given me a new appreciation and understanding for the challenges people face when navigating the health system.

Accepting Support from Others

My life changed the moment I received the call from my doctor telling me I I had prostate cancer. Initially I felt very alone with my diagnosis, but thankfully I have a strong and loving family that helped support me. As I started sharing this news with close friends, the sense of support became immeasurable. Opening up about this condition made me stronger – as if I were carrying a lighter load. Words cannot express the gratitude and appreciation I felt when people asked, “How are you doing?” Also, my dog, Mason, helped too. While he couldn’t understand what was going on with me, somehow it felt like he just knew.

Mental Health and Physical Health go Hand in Hand

Whole-person health is just that: mind and body connected and in balance. Through my diagnosis and recovery, I learned that we should not underestimate the impact physical conditions have on one’s mental health and well-being – and vice versa.

Throughout my life I have always thought of myself as someone who manages stress reasonably well. However, I learned there can be increasing levels of health-related stress, interrupted restorative sleep, and anxiety about the unknowns that can be subtle and unrecognized at first and escalate significantly if unchecked. At its peak, I also started to develop physical symptoms that were unrelated to any specific cause or underlying medical condition. It was not until I completed additional testing that I realized these were entirely due to the degree of psychological stress I was experiencing.

Disability and Supplemental Health Plans can Help Address Coverage Gaps and Decrease Financial Stress when Serious Health Events Occur

Most people, me included, often spend most of our time during open enrollment comparing health plan options as part of our employer-sponsored benefits. Now that I have seen first-hand the ways in which a significant health event can have unexpected and often unplanned financial impacts, I’m prioritizing financial safeguards to help cover associated and expected financial gaps. That includes electing additional coverage such as disability, hospital indemnity and critical illness plans.

When I was overwhelmed with my health condition and out of work after surgery, I learned the importance of having short-term disability (STD) coverage. This type of plan enabled me to experience less financial stress and instead focus on my recovery. I did not have critical illness coverage at that time (I do now) and learned that in situations like this, this additional benefit can help make up the difference between STD coverage and regular pay (about 60%) and other financial gaps, including to help cover out-of-pocket expenses such as health plan deductibles or coinsurance requirements.

Looking Back and Looking Forward

As time marches on and I look back to that chapter of my life, there is an overall realization that this health event has made me a better person and physician. I try to be mindful of that lesson every day. Here are a few thoughts I keep in mind about this experience that may be beneficial to consider:

How I felt when asked “How are you doing?” And how asking other this question may help them, too.
The importance of recognizing our own stress levels and ability to cope, while leaning on others for support when needed.
Significant health events have multidimensional effects on us and, whenever possible, it helps to view health and illness holistically.
Especially now that I have seen first-hand the ways in which a significant health event has unexpected and often unplanned monetary impacts, it gives me reassurance to have financial safeguards in place, including disability and critical illness coverage.
Relying on key individuals and professionals at specific points in my health journey not only helped me move forward, but also now serves as an ongoing source of gratitude and appreciation.

Higher Level Perspectives and Broader Impact

Given my many years in clinical practice, my experience as a patient with my own health journey, and now more recently with my work at UnitedHealthcare (where the following are prioritized), I understand the value and importance of:

Focusing on whole-person health as a fundamental starting point for overall well-being.
Developing approaches to improve whole-person health rather than focusing primarily on risk management.
Expanding resources through Employee Assistance Programs (EAP) to include more no-cost virtual or in-person visits.
Simplifying the consumer experience by leveraging technology and connecting specialty and medical benefits to make navigating the health system more intuitive and less burdensome.
Recognizing that a significant health condition can have financial impacts on the individual and this can affect decisions regarding healthcare engagement.
Improving access to health advocacy resources to help people bridge potential gaps within our healthcare systems.

_{To learn more about income protection, visit RealityCheckup.info, which is part of a CDA consumer outreach program to help working adults understand the importance of having alternate sources of income for times when they cannot work due to illness, injury, or pregnancy.}

_{References on the bidirectional associations between physical and mental health conditions}

_{1. Association Between Depression and Physical Conditions Requiring Hospitalization. Frank, P., Batty, D., Pentti, J., et. Al. JAMA Psychiatry. Published online May 3, 2023. https://jamanetwork.com/journals/jamapsychiatry/fullarticle/2804269?guestAccessKey=5c50825e-9542-4cef-ac8a-1a85a9de46b4&utm_source=For_The_Media&utm_medium=referral&utm_campaign=ftm_links&utm_content=tfl&utm_term=050323.}

_{2. Pre-Existing and New-Onset Depression and Anxiety Among Workers With Injury or Illness Work Leaves. Gaspar, F., Wizner, K., Schott, F., et. al. J Occup Environ Med. 2020 Oct; 62(10): e567–e572. Published online 2020 Aug 5. https://www.ncbi.nlm.nih.gov/pmc/articles/PMC7537737/.}

Protect Your Paycheck With The Combined Benefit of Social Security Disability Insurance and Ticket to Work-Protect Your Income Campaign

Protecting Your Paycheck With The Combined Benefit of Social Security Disability Insurance and Ticket to Work

October 17, 2023
By Steve Perrigo Disability, Disability Insurance, Protect Your Income, Social Security Disability Income, SSDI, Uncategorized

By Steve Perrigo, Allsup Protecting your paycheck is more important than ever for most working Americans. The higher cost of everything from gas to groceries, plus high interest rates, make it a challenge to stay within household budgets. In these uncertain times, it’s important .. more »

By Steve Perrigo, Allsup

Protecting your paycheck is more important than ever for most working Americans. The higher cost of everything from gas to groceries, plus high interest rates, make it a challenge to stay within household budgets. In these uncertain times, it’s important to know the federal protections that are in place should you ever need them.

Nearly 160 million U.S. workers may be unaware of an important protection to their earning power. The combined benefit of Social Security Disability Insurance (SSDI) and the Ticket to Work Program supports individuals when they cannot work due to illness or injury, and offers significant incentives to return to the workforce when the time is right.

The Social Security Administration (SSA) oversees SSDI. FICA taxes are the insurance premium you pay to enroll in the program. Last year, $160.7 billion in net payroll tax contributions for DI were collected.

Social Security Disability Insurance

Despite paying into the program, many people don’t know they have earned SSDI with their FICA taxes. The program goes beyond monthly cash payments. SSDI unlocks a whole host of other benefits that can make a significant difference for those dealing with chronic illnesses or disabilities.

These include:

Monthly income. The average 2023 benefit is $1,483, and it maxes out at $3,627.
Medicare coverage. Medical and prescription drug coverage begin 24 months after SSDI cash benefits start.
Protected Social Security retirement benefits. Approval for SSDI triggers a Social Security earnings record freeze that can result in a higher retirement income.
Dependent benefits. SSDI approval can result in benefits for children under 18, adding up to 50% more to an individual monthly payment.
Annual cost-of-living adjustments. The COLA is evaluated annually and may raise your monthly income.

The Ticket to Work Program

Even fewer people know about the Ticket to Work program (TTW). According to a recent report from the SSA, almost one third of SSDI beneficiaries were unaware that they could keep their SSDI benefits and return to work.

TTW is an extension of SSDI. All individuals who receive SSDI are automatically eligible for TTW. It’s a free program for U.S. workers with disabilities that offers a safe path to try working again after their medical condition stabilizes. The Ticket to Work program offers substantial protections including:

Earn any amount. During the first year of the program, you can make as much money as you want and protect your full SSDI benefits.
No continuing disability reviews. Avoid Social Security’s disability reviews and the possible benefits termination that may result from a review.
Keep Medicare. While working, you can continue receiving Medicare for more than 7 years.
Benefits reinstatement. If you need to stop working any time within 9 years, your SSDI benefits restart.
It costs nothing. Social Security funds this program, so beneficiaries work with Employment Networks (ENs) at no personal cost. ENs help people with all aspects of returning to work.

There are many unfounded beliefs about SSDI. Some people think SSDI is a fund they’re paying into and, by taking SSDI, they will reduce the money they’ll receive in the future. This isn’t true. It is a federal insurance program and FICA taxes are the premium you pay to be covered. It’s actually better for an individual to take SSDI if they can’t work, because the program protects their future retirement income.

The combined protection of SSDI and TTW covers American workers at a vulnerable time. The income and other benefits it provides are a safety net when you can’t be sure how you’ll provide for your family. Ticket to Work completes the program by providing a path back to work when it’s medically advisable. The Ticket program has returned thousands of former workers to their livelihoods, or, with the help of ENs, found them a new career. You owe it to yourself and your family to be knowledgeable about protecting your paycheck with this federal insurance policy that you’ve paid into.

To learn more about income protection, visit RealityCheckup.info, which is part of a CDA consumer outreach program to help working adults understand the importance of having alternate sources of income for times when they cannot work due to illness, injury, or pregnancy.

Short- vs. long-term disability insurance: How it works

November 17, 2022
By The Council for Disability Awareness Disability Insurance, Employee Benefits, Long Term Disability, Protect Your Income, Rock Enroll, Short Term Disability, Uncategorized

This article originally appeared on the American Fidelity Blog Understanding the differences between short- and long-term disability insurance can be tough and knowing which coverage is right for you is not always easy. However, disability insurance can be an essential part of a solid financial .. more »

This article originally appeared on the American Fidelity Blog

Understanding the differences between short- and long-term disability insurance can be tough and knowing which coverage is right for you is not always easy. However, disability insurance can be an essential part of a solid financial plan, so it’s important to understand your options.

What is disability insurance?

Disability insurance is designed to help protect you and your family financially if you become unable to work due to a covered injury or illness. When you use disability insurance, you receive a portion of your gross monthly earnings. This could help you focus on your recovery and worry less about bills or other expenses that may be difficult to pay without financial support.

Understand the importance of disability insurance

What is the difference between short- and long-term disability?

The main differences between short- and long-term disability insurance are the amount of time until the benefits begin and how long the coverage lasts. Both insurance plans are designed to help provide income protection while you are disabled. Let’s look at how each plan can benefit you, depending on your situation!

Short-Term Disability Insurance

Short-term disability insurance is designed to help protect your paycheck for a shorter period. Depending on your covered disability, this plan may provide benefits to help you for a few weeks or a few months, usually no longer than one year. The coverage may not be long-term, but the elimination period is usually only 7 to 14 days. For example, suppose your elimination period is 14 days. In that case there will only be 14 days from the date you first suffer a covered disability and the date you begin to receive benefits.

Here are some common reasons you may use short-term disability insurance:

- - - - Injury from a major accident
        
        Disability associated with the delivery of a child
        
        Upcoming surgery and recovery time
        
        Experiencing bad side effects from medicine or medical procedures

Long-Term Disability Insurance

Like it sounds, long-term disability insurance can help protect your paycheck for an extended period. If you are looking at a longer recovery or a more serious condition, this is where long-term disability insurance is useful. Depending on your specific plan you may receive benefits if you remain disabled for up to two years, five years, ten years, or even to social security retirement age.

Here are some common reasons you may use long-term disability insurance:

- - - - Heart disease, cancer, diabetes or stroke
        
        Mental illnesses
        
        Muscle, back or other joint pains
        
        Arthritis

What To Consider

How long can you go without a paycheck? How many sick days does your employer provide? These are two fundamental questions to ask yourself when deciding between short- vs. long-term disability insurance and choosing an elimination period. Suppose you cannot go over a month without a paycheck and only have ten sick days. In that case, we suggest you consider enrolling in both, so you are prepared for the unexpected and have options to help you have financial protection. On the other hand, if you can go months or even a year without a paycheck, then long-term disability insurance with a longer elimination period may be enough for you. Talk to your American Fidelity account manager to discuss the best options for you!

Position Individual Disability Income Insurance Effectively

November 10, 2022
By Scott McCarthy Disability, Disability Insurance, Employee Benefits, Personal Finance, Protect Your Income, Rock Enroll, Uncategorized

Scott McCarthy, Regional Vice President, Sales & Distribution, Ameritas Life Insurance Corp. Managing and understanding risk is not a strength for many people. It’s also why financial professionals need to be effective at helping clients make changes that address long-term financial needs. Changing the conversation .. more »

Scott McCarthy, Regional Vice President, Sales & Distribution, Ameritas Life Insurance Corp.

Managing and understanding risk is not a strength for many people. It’s also why financial professionals need to be effective at helping clients make changes that address long-term financial needs.

Changing the conversation

In discussions with colleagues, I frequently comment on the need to change our client conversations. I feel that we need to recognize there is a gap between what people do or think based on their feelings versus what people do or think when operating based on critical thinking. The following examples can help us understand what we’re up against and how that can help us have better conversations.

Example one

There’s an anxiety and fear for many people when taking commercial flights. Whether the flight is short or long, there is a deep concern about safety. Many statistics show travel by car on public roads is far more dangerous both in terms of injury and death, yet the fear of flying is greater.

Example two

In the financial world, if we asked working individuals with a retirement account or investments for a basic axiom of investing, the phrase “buy low, sell high” would likely be a popular response. It is understood that it’s best to take advantage of dips in the market to buy assets when prices are at their lowest and acquire a profit by selling when prices are at their peak. But time and time again, when faced with rising markets the population’s appetite to get in on the gains means buying high. Market drops are met with selloffs instead of investments as people try to get out before prices hit bottom. Common knowledge goes out the window.

Approaching clients about insurance products can be some of the most challenging conversations. The main enemy is inertia. Often these conversations are addressed with a client who does not feel a need for life or disability insurance partially because they’ve lived without it up until now and, in most cases, without giving a single thought about either product.

The only way to effectively move clients from the “it’s all good” mindset is to disrupt their understanding and then educate. There are different ways to go about this, but the process begins with making the client aware that you can help them address problems they haven’t yet thought of – problems that could disrupt their future and the future of their family. With life insurance, it’s a little easier since the idea of having life insurance when you start a family has moved into the realm of common knowledge for many.

I know many financial professionals who effectively have conversations positioning life insurance as a valuable piece of a financial plan. As someone who spends most of their time working with disability insurance, I find this much like addressing someone’s fear of flying while not dealing with the risks of getting in a car for the morning commute. The chances of individuals passing away during their working years are much less than their chances of suffering health issues which can interrupt their ability to work.

Seeing the need before you need it

Clients need to understand a health issue can disrupt their ability to work because once it happens, it’s too late to address it with an effective solution. A key to attaining individual disability income insurance is being healthy enough to qualify. This syncs with our second example. If individuals feel fantastic and their health is at its peak, it can appear to be the worst time to pursue coverage for their health. It’s like asking them to “sell high” in a sense. On the flip side, there have been many times I’ve had to inform producers their clients were ineligible for coverage due to an ongoing health issue. When their health is at its worst, the conversation about protection is easy. I think this understanding is important as we prepare to talk about how disability insurance can help improve clients’ futures.

The education we share with healthy satisfied clients when addressing a need that doesn’t feel urgent should be focused on the risk they carry and the benefit they gain. Many clients are not thinking an unexpected change in their health could interrupt their ability to work and negatively impact the future they were planning for.

Many Americans today rely on self-funded retirement plans like 401(k), 403(b) or other tax advantaged investments to build money for the future. Once the short-term savings are gone, the next set of funds available during an income disruption is going to be the retirement fund(s). Clients are not likely thinking of this but need to be aware of this before discussing the solution an individual disability income policy can help provide. Individual disability income insurance is unparalleled as an efficient way to provide a stream of income to help maintain a current lifestyle without having to deplete assets.

The tipping point

The ability to protect the retirement assets in an unexpected challenging time is a potential tipping point and well-informed clients are likely to take the next step to work with a financial professional to build a plan that includes a disability income insurance policy, if they want to shield their retirement. There will still be those willing to bet on their continued good health but all we can do is continue to educate and bring awareness at future client meetings or annual reviews.

It’s tough to ask people to go against their gut instincts without an appeal to reason. Taking the time to inform and educate clients so they can see the problem and want to fix it is a good approach to help them move past their first instinct. From there, a strategy can be crafted and put in place.

I had a glass paperweight that I kept on my desk but have since lost over the years. The message etched on it frequently comes to mind and summarizes in simple terms my message above, “seek first to understand then to be understood.”

Autumn’s Story: An Inspiration

November 8, 2022
By The Council for Disability Awareness Disability Insurance, Employee Benefits, Personal Stories, Protect Your Income, Uncategorized

Editor’s Note: In 2017, Autumn attended the Route 91 Harvest Festival in Las Vegas, and her world turned upside down. One of the many victims of the tragedy, Autumn was seriously injured and found herself facing a long recovery. “I woke up and was wired .. more »

“I woke up and was wired shut,” she said. “I had a tracheostomy because the blocked airway. I had a huge scar down my stomach where they had done the exploratory surgery.”.

But, despite her injuries, Autumn didn’t give up hope. That first day, she got up and walked. And, after 48 days, Autumn left the hospital.

What follows is the transcript from a video compiled by The CDA’s member company, American Fidelity, of Autumn describing her experience with an unexpected disability. Scroll down for the video.

Will I See My Babies Again?

I was on the ground, you know? I remember what the concrete felt like below me. I have that very vivid memory of like I’m going to die and I’m not going to see my babies again. And that was what was going through my head.

We’re Not Dying Today

I was hit very quickly during the shooting:

- - - - I was shot in shot in the face.
        
        I was shot again in the back.

We got up, continued moving and we almost made it to first aid. And I was shot a third time in the hand. And the whole time my husband kept repeating over and over again, like we’re not going to die today.

Autumn’s husband: We’re not dying today. This isn’t going to happen. And I kept trying to tell her, I was like this isn’t happening. We’re not dying today. This isn’t going to happen.

I’ll Be Fine

I remember when we turned down the street and the lights were red and blue bouncing off of the buildings. And I remember thinking I’ll be fine. And we’re driving on the sidewalk on Vegas Boulevard, up and down just trying to get through the traffic. And like there was always this like no I will be fine. Like this is, I’m going to be fine.

I Woke Up 5 Days Later in the Hospital

Autumn’s husband: We got there within, I don’t know, in a minute maybe. Got out, got my wife out, helped the others down. And by the time I turned around, my wife was gone

And I woke up five days later in the hospital.

Autumn’s husband: Everybody that had ID, we’ve reconnected with their family. Now we need to reconnect those of you who do not have their IDs on them. And they took me up to ICU, cardio ICU and from me to about a good 50 feet away, I could see straight away it was my wife and that’s where I found her. And relief, but still fear not knowing exactly what I was

getting into because the last I’d seen her, she was in a wheelchair being wheeled away from me.

I woke up and I was wired shut. I had a tracheostomy because the blocked airway. I had, um, a huge scar down my stomach where they had done the exploratory surgery.

Autumn’s husband: And they said do you have any questions? I said, I just have one. So you are telling me this is going to be okay. You are telling me this is going to be okay. And that in two to three years, we’re going to be fine. May not be back to where we were, but you’re telling me I’m going to be able to sit on a couch with my wife and watch movies with my kids. And they said, absolutely.

I Want to Go Home

I have a therapist from Las Vegas who walks in. I am hooked up to every tube you can imagine. I have not gotten out of bed in six days now. And she just looks at me and says like: “Well, what do you want to do?” So I wrote on my board I want to go home. And she said, you have to get out of bed. And so I said, okay.

And, so, that was sort of what began this process of that first day, I walked three times the first day and then haven’t said no to a therapist since.

I Have Very Good Disability Insurance

I didn’t have the added stress of: “I have to get back to work.” So, for me, my daily struggles with everything that I was struggling with, I didn’t compound with this idea of: “Well, I have to get back to work because I have to bring in an income.” I have very good disability insurance. I’m able to focus every day on my own recovery.

Autumn’s husband: It’s saved us. There’s no doubt that, without it, we’d be in a boatload of trouble.

There was this immediate response of like caring and it wasn’t even necessarily about: “Oh,

you don’t have all the paperwork filled out correctly.” It was about: “Okay, well what else do you need? What else can we do? And do you have all this? And did you know you also have this? Make sure we file everything for her being in the hospital because there’s a benefit for that.”

Disability Insurance is Worth It

It’s worth it. The peace of mind, one less Starbucks is, is perfectly fine. Whatever it may be. I get it. It may be a pinch, but it’s, it’s worth it.

My children didn’t have to stop dance class. My son didn’t have to stop, you know, baseball. There were all these little things in life that we go about doing our everyday lives, that didn’t have to stop that if I didn’t have an income coming in, those would have been the first things to go.

To be able to kind of continue the quality of life that they were used to without any of that having to change was, I mean, for me that’s what’s been most worth it.

But the peace of mind of knowing that in a moment your life can be turned upside down. It can flip you sideways. You have no clue.

And then to know, when I called that, oh my God, I do have this and I don’t have to worry because for right now, my finances will be taken care of.

Autumn’s husband: Yeah, you don’t expect a company wanting to give more out of their pocket to someone but with the carrier they were very much of like: “Nope, here’s everything we can get for you and we want to give you everything that we can.

Beyond Your Benefits Package: Why Open Enrollment is a Great Time to Focus on Your Financial Wellness

November 1, 2022
By Alexandra Ginieres Disability Insurance, Employee Benefits, Insurance, Protect Your Income, Rock Enroll, Uncategorized

Alexandra Ginieres Head of Disability Marketing, Individual Markets Guardian Life Insurance Company of America® Editor’s Note: It’s that time of year when many employees are reviewing their employee benefits, renewing their previous choices or selecting new options, and considering financial products they can (or .. more »

Alexandra Ginieres

Head of Disability Marketing, Individual Markets
Guardian Life Insurance Company of America^®

Editor’s Note: It’s that time of year when many employees are reviewing their employee benefits, renewing their previous choices or selecting new options, and considering financial products they can (or did) buy on their own such as disability and life insurance.

The pandemic taught many Americans several things about financial wellness, including the importance of paid leave, retirement planning, and coverages such as disability and life insurance – whether it’s secured through your employer or you add coverage that stays with you as an individual no matter where you work.

If you’re like many Americans, your employer offers key benefits that provide valuable protection for you and your family. And you’re probably familiar with open enrollment season – that time each year when you may be able to choose your health insurance provider, explore tax-advantaged accounts like Health Savings Accounts and Flexible Spending Accounts, review and update retirement plan contributions, and elect employer-offered protection products, like disability and life insurance.

These “worksite benefits” are offered by your employer typically at a discounted group cost, with the option to further supplement those benefits with voluntary benefits (usually paid by you) that provide additional coverage for health and income. What many employees don’t realize, however, is that Open Enrollment season also offers them the perfect opportunity to look beyond their employer-sponsored benefits — to consider their entire protection strategy and financial picture.

Your financial wellness depends on a strong holistic plan that covers all aspects of your financial picture. While employer-provided benefits are a great start, it’s important to keep in mind that those benefit options are not ordinarily designed to protect all aspects of your financial well-being. Fortunately, you can also purchase individual products, such as disability insurance, life insurance and annuities, typically sold through a financial professional, that complement the benefits available through your workplace. Doing so can help to give you more complete financial protection and reduce the risks you or your loved ones could face without them.

Some risks to look out for

It’s important to concentrate on at least three risks to your financial well-being:

- - - - The risk of losing your income
        
        The risk of losing your life
        
        The risk of outliving your retirement savings

There are steps you can take to address each of these three risks. Doing so can help to protect both you and those you care the most about.

Protecting your income during your working years

If there is anything that we learned from the COVID-19 pandemic, it’s that anything can happen to anyone at any time and being prepared is key. Making smart choices about your benefits now can set you up for better protection in the future should something go wrong. While we can’t predict the unexpected, we can better prepare for it. Regardless of whether you are just beginning your career or are a seasoned professional, disability insurance is a necessary tool to help protect your income.

The ability to earn a living is one of the most important things in life. Income is essential to your livelihood and closely linked to your overall financial well-being. But when it comes to protecting your income, many working Americans may not realize the need to make it a priority.

According to The Guardian Life Insurance Company of America^® (Guardian), roughly 50 percent of people who leave work because of an illness or injury have trouble paying their bills.¹ Not surprisingly, workers who struggled financially during and after a leave from work had lower financial wellness scores and were more likely to report that the experience had a major or devastating effect on their household.

Even if your employer offers disability income insurance, there may be an income gap. One in 5 workers who made a disability insurance claim were surprised to learn that their employer-sponsored disability plans replaced only a portion of their salary, not 100 percent, based on Guardian’s research. Higher-income employees were also dismayed to learn that bonuses and/or commissions were not included in the calculation of their disability income benefit payments.

While no disability insurance plan will ever replace 100 percent of your income, purchasing individual disability income insurance from a financial professional will boost the amount of your money you will receive if you can’t work. If this is important to you, you’ll be able to “weather the storm” a little better if you become ill or are injured.

Protecting your loved ones if something should happen to you

If you have family or others who depend on you for financial support, purchasing life insurance from a life insurance professional is among the most important steps you can take for the financial wellness of your loved ones. Even if your employer provides you with this important coverage, it may not provide enough to financially protect those you care most about. And, in many instances, you will lose that coverage when you leave your employer. That’s why purchasing your own individual life insurance policy to supplement any workplace coverage you may have is a smart move, depending on the type of policy you buy.

Keep in mind the valuable protection role that life insurance plays: If something should happen to you, your policy’s death benefit will help ensure that your survivors can maintain their lifestyle, avoid financial hardship or bankruptcy, and continue to pay essential bills such as their rent or mortgage, health insurance, college tuition and car loans. Simply put, life insurance is one of easiest and most affordable ways to protect your loved ones should they lose your salary.

Protecting your income in retirement

The risk of outliving your retirement savings is a real one. While people who qualify for Social Security benefits in retirement can expect to receive a monthly benefit for the rest of their life, 80 percent of those participating in the 2019 Retirement Confidence Survey reported they would also rely on money from an employer-sponsored retirement savings plan, such as a 401(k), for income in retirement.²

One problem with that approach is these individuals risk running out of money in retirement, since the retirement income generated from a retirement savings account depends entirely on the individual’s account balance, the performance of the account’s investments and the withdrawal strategy used.

Eighty percent of survey respondents plan to work during retirement to supplement their income, yet only 28 percent are ultimately able to do this.

As with disability income and life insurance, there are steps you can take to help protect your income in retirement. In addition to contributing as much as possible to your employer-sponsored retirement savings plan, you may wish to consider purchasing other products from a financial professional, such as bonds and CDs, which can provide somewhat predictable returns, with possible tax advantages, and can help round out your investment portfolio.

Another option to consider is an annuity. By paying an insurance company a specified amount of money, you receive regular payments for a set amount of time, or for life. There are many different types of annuities that can provide you with cash flow right away (immediate annuities) or at some point in the future (deferred annuities).

Make the right moves for your financial future today

During open enrollment, it’s a good idea to consider your overall financial wellness, and address not only the benefits your employer provides, but protection products that can supplement those valuable benefits. Doing so will help you to address the risks to your financial well-being head-on. You have the power to make the decision to go with what you truly need based on your goals or concerns. Go through your options and be sure you can explain what you are buying. It all has to be clear and valuable for you.

If you need assistance in addressing any of these risks, a qualified financial professional can help you understand your options — and put you on the path to enhanced financial wellness.

Material discussed is meant for general informational purposes only and is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary. Therefore, the information should be relied upon only when coordinated with individual professional advice. This material contains the opinions of the author but not necessarily those of PAS or Guardian. Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation.

Individual disability income products underwritten and issued by Berkshire Life Insurance Company of America (BLICOA), Pittsfield, MA or provided by Guardian. BLICOA is a wholly owned stock subsidiary of and administrator for the Guardian Life Insurance Company of America (Guardian), New York, NY. Product provisions and availability may vary by state. Optional riders are available for an additional premium.

GUARDIAN® and the Guardian Logo® are registered trademarks of The Guardian Life Insurance Company of America.

©Copyright 2022 The Guardian Life Insurance Company of America, New York, N.Y. Full permission given to The Council for Disability Awareness to reproduce this material.

2022-145121 (exp: 10/2024)

¹ Income Protection: The Role of Disability Insurance in Financial Wellness, The Guardian Life Insurance Company of America, New York, NY, May 2019 https://www.guardiananytime.com/gafd/wps/portal/fdhome/insights-perspectives/emerging-trends/income-protection

²2019 Retirement Confidence Survey Report conducted by the Employee Benefit Research Institute and Greenwald & Associates, April 23, 2019 https://www.ebri.org/docs/default-source/rcs/2019-rcs/2019-rcs-short-report.pdf

How to “Enroll” in Social Security Disability Insurance

October 27, 2022
By Steve Perrigo Disability, Disability Insurance, Living with Disability, Rock Enroll, Social Security Disability Income, Uncategorized

By Steve Perrigo Editor’s Note: When most of us think about “open enrollment” for benefits through our employers, we rarely—if ever—think about benefits we passively pay into through our payroll FICA taxes, such as Social Security Disability Insurance. Steve Perrigo from CDA member company, .. more »

By Steve Perrigo

Editor’s Note: When most of us think about “open enrollment” for benefits through our employers, we rarely—if ever—think about benefits we passively pay into through our payroll FICA taxes, such as Social Security Disability Insurance. Steve Perrigo from CDA member company, Allsup, writes an easy-to-read post on this important benefit.

October is the kick-off for healthcare benefits enrollment for many U.S. workers. While you don’t technically “enroll” in Social Security Disability Insurance (SSDI), you participate in a process of becoming covered because of your work—specifically the earnings you receive year by year.

SSDI is an insurance policy that you pay into via your FICA taxes, and your benefit amount and insured status is based on all the years you worked. More than 159 million American workers have access to this federal disability insurance. The Social Security Administration (SSA) oversees SSDI, and they follow a stringent disability review process for applicants.

If you experience a life-changing disability—and have to stop working – you should apply. The income and benefits you receive (that you’ve paid for) can be vital for your financial future, whether you return to work or reach Social Security retirement age.

The agency looks at medical and work history to determine who qualifies for SSDI benefits. Generally, to qualify for SSDI, you must:

- - - - Be between 21 and full retirement age.
        
        Have worked at least five of the last 10 years and paid FICA taxes during that time.
        
        Be unable to work in any capacity because of a mental or physical impairment that’s expected to last at least 12 months or be terminal.
        
        Be under the care of a healthcare professional who can confirm severity of medical condition(s).

How Your Social Security Disability Benefits Are Calculated

The SSA determines your benefit amount based on your lifetime average earnings before you became unable to work. Your payment amount is calculated using your “covered earnings.” This refers to money you earned at jobs where you paid FICA taxes as an employee or being self-employed.

Your SSDI monthly benefit is based on your average covered earnings over a period of time, which is referred to as your average indexed monthly earnings (AIME). The SSA uses these amounts in a formula to determine your primary insurance amount (PIA). This is the basic amount used to establish your benefit.

The maximum benefit you can receive in 2022 is $3,345 per month, up from $3,148 in 2021–a 6 percent increase. The SSA offers benefits calculators you can use to obtain an estimate of your monthly benefits. This year, the average SSDI payment for an individual is $1,358 while the average monthly benefit for a recipient with a spouse and children is $2,383.

The Process To “Enroll” For SSDI: Quarters of Coverage

The Social Security Administration uses the term “quarters of coverage” to explain how you become enrolled in SSDI as a covered worker. In 2022, the amount of earnings required for a quarter of coverage (QC) is $1,510. The terms “quarter of coverage,” “Social Security credit,” and simply “credit” are all used interchangeably. A QC is the basic unit that determines whether you are insured under the Social Security program. It is not possible to earn more than four QCs in one year, no matter how much money you make.

Every year the amount of earnings necessary for credits increases slightly as average earnings levels go up. The credits you earned stay on your Social Security record, even if you change jobs or have no earnings for a while.

You need at least 10 years of work (or 40 QCs) to qualify for Social Security disability benefits. The SSA bases the amount of your benefit on your highest 35 years of earnings.

How To Claim SSDI

To receive Social Security Disability Insurance benefits, you must apply to the SSA. The initial application and the detailed information you provide are critical to getting benefits without an appeal. You can complete the application on your own, or have a disability representative assist with the complexities of proving your claim.

The SSA reviews applications to determine whether you qualify for monthly Social Security benefit payments. This sounds simple, but you must have medical evidence and documentation to prove you meet the legal definition of disabled, and carefully complete the forms because it’s possible to make simple mistakes that could lead to a denial.

As American workers search for answers to keep themselves and their families protected in uncertain times, it’s important to recognize SSDI for the increasingly valuable income and security it offers. It’s a significant protection available to millions of employees who simply have been unaware that they’re already enrolled.

Open Enrollment 2022: Professional woman working from home

Important Employee Benefits in a Hybrid Workplace

October 20, 2022
By Amy Fontinelle Employee Benefits, HR, Mental Health, Rock Enroll, Uncategorized, Workplace

By Amy Fontinelle Editor’s Note: The pandemic changed how we work and how employers must prioritize benefits to support their workforce. Pre-pandemic, employee benefits like health insurance and retirement funds were always top of mind. These cornerstone benefits remain important, but the widespread shift to .. more »

By Amy Fontinelle

Editor’s Note: The pandemic changed how we work and how employers must prioritize benefits to support their workforce. Pre-pandemic, employee benefits like health insurance and retirement funds were always top of mind. These cornerstone benefits remain important, but the widespread shift to remote and hybrid work, combined with the unique challenges brought on by COVID-19, caused companies to reevaluate the desirability of various benefits.

As employees get ready for open enrollment (or a new job offer), they probably should take an extra-close look at their employee benefits package and not default to their usual selections.

For example: “Opting into a discount on a gym membership may not hold the allure it once did, but getting money to offset the cost of virtual training is highly valued,” said Edie Goldberg, president of E. L. Goldberg & Associates in Menlo Park, California.

Home office allowance

Even if you’ve been working remotely since March 2020, you (and your employer) may have assumed the arrangement was temporary. Now that more employers are employing hybrid setups that will have workers in the office half time or less, it’s smart to invest in a home office setup that will be effective for the long term.

Employer-subsidized internet service may help offset your home internet bill or allow you to upgrade to higher-speed service. A wireless hotspot plan can keep you connected and secure during power outages and work away from home. Your employer may reimburse you for a better router or a mesh network to improve internet performance in your home office.

Employees who work remotely should understand that their employer still has the same obligations to them as it does when they are in the office, said Chris Acker, CLU, ChFC. He recommends that employees negotiate for a high-quality desk chair and an ergonomic work setup — and, ideally, a professional ergonomic assessment to prevent neck, back, shoulder, and repetitive strain injuries.

While employers are not required to provide their employees with ergonomically correct furniture, the federal Occupational Safety and Health Administration mandates that employers keep the workplace free from ergonomic hazards. It’s also in their best interest because it can reduce workers’ compensation costs, absenteeism, and turnover. Also, proper ergonomics help workers get more done. State laws can offer additional protection.

Portable insurance

Many people rely on their employers for health, life, and disability insurance. As a result, changing jobs and risking the loss of those benefits can be a challenge. Yet, the pandemic caused many workers to reevaluate whether their current job is the best choice to support their other priorities in life, spurring a phenomenon over the last year that the media has dubbed the Great Resignation.

COBRA and the Affordable Care Act offer options to maintain health insurance whether you quit or leave your job. When it comes to life and disability insurance, you should learn if your policies are portable, meaning you can keep the same coverage you had through work as long as you pay the premiums.

“You would need to ask for the group certificate of coverage to make this determination,” Acker said. “Your HR department should know this, but I find many do not, and they will refer you to the insurance broker for this information.”

It’s also a good idea to know how much you’d pay to take your policies with you. If the premiums would be unaffordable and you are healthy and can pass a medical exam, individual policies can be an excellent supplement to or substitute for your group coverage. For example, you may be able to purchase a larger life insurance policy that will better help your survivors receive the financial support they will need in your absence. And with an individual policy, you gain the security of knowing you are covered no matter where you work.

“It’s always essential that you become familiar with how your existing group life and disability insurance fill the gaps in your personal financial plan,” Acker said.

Telemedicine

While you may be able to access telemedicine on your own through services like Teladoc and Amwell, a visit can cost as little as $0 if your employer provides a telemedicine benefit. Familiarize yourself with the service before you need to use it and learn what conditions its doctors can treat.

The range of options now available may surprise you: They include dermatology, nutrition, talk therapy, psychiatry, and second opinions on existing conditions. Still, an ongoing relationship with a primary care provider who can see you in person and who understands your history and the broader picture of your overall health is important. The convenience and affordability of a telemedicine benefit can help when they’re not available or if you don’t have that relationship right now.

With telemedicine, you may be able to see a provider sooner, save money by avoiding in-person urgent care, and get appointments during hours that don’t cause your kids to miss school or you to miss work. Some services are available 24/7, and you also won’t lose time to traveling to the doctor’s office.

Other telemedicine advantages include not spreading or catching germs at a physical doctor’s office, access to providers with expertise otherwise not available in your area, and a more pleasant experience for anyone who dreads in-person doctor visits. A virtual visit can also provide guidance on when an in-person visit is necessary.

Mental health benefits

If mental health benefits are important to you — and amid the ongoing pandemic, they are for many people — look not only at your employer’s health insurance policy but also at supplemental coverage they may provide through separate services. Whether you already have a clinical diagnosis or need support with depression, anxiety, burnout, relationships, or grief, employers have gotten better about recognizing that people can’t do their best professionally when they’re struggling personally.

“Employers are being encouraged to pay closer, better, more intentional, more informed attention to mental health, and they appear to be taking heed,” said Ruhal Dooley, HR knowledge advisor for the Society for Human Resource Management. “This is improving EAPs [employee assistance programs] and their clinical and therapy services. [And] is causing HR departments to scrutinize their benefits packages and shop for more robust services inclusive of mental health considerations,” Dooley said. “In other words, employers want to make sure their benefits include taking care of employees’ mental health.”

Add-on mental health services that some employers now offer through their employee assistance programs can make it easier to find the right provider than starting your search from scratch or even from your health insurer’s directory of in-network providers. Based on your answers to a short questionnaire, services such as Lyra and BetterHelp will match your needs and preferences with practitioners who are available. Furthermore, employers can choose to cover 100 percent of the cost of a certain number of sessions each year with no need for you to meet your health insurance deductible first, and coverage may extend to any spouse, partner, or child on your plan.

“The pandemic and rise of remote and hybrid work have resulted in unprecedented levels of stress, anxiety, depression, and workplace burnout,” Goldberg said. “Companies examining the big picture are the ones who will come out ahead during these trying times.”

Dependent care benefits

Without adequate childcare, both workers and employers lose out on billions of dollars annually, according to the Harvard Business Review. And children aren’t the only group that needs care.

About 48 million Americans provide care to an adult relative or friend, according to a spring 2021 study by AARP. Not only is this work unpaid, but it’s also costly: eight in 10 of those caregivers spend more than $7,000 a year out of pocket. The most common expenses are rent or mortgage payments, home modifications, and health care.

Providing adult care can also reduce a caregiver’s income. AARP’s survey found that about one-third of respondents lost income because they had to take leave or change their schedule, at an average annual cost of more than $10,000.

“Employers that can afford it do seem to be offering more in adult dependent care,” Dooley said.

In fact, employers were catching on to this need even before the pandemic. In 2020, 31 percent of human resource professionals surveyed by SHRM said their company offered paid family leave, up from 24 percent in 2019 and 18 percent in 2016. This benefit is important because although the federal Family and Medical Leave Act protects an employee’s job by providing up to 12 weeks of unpaid leave over 12 months, it does not protect an employee’s income.

In addition to paid family leave, caretakers should keep an eye out for workplace benefits like:

- - - - Decision support tools that connect caregivers with credentialed experts (e.g., Torchlight, Care@Work)
        
        Dependent care flexible spending accounts
        
        Backup childcare (including in-home child care)

Conclusion

Whether it’s open enrollment at your current job or you’re evaluating a new opportunity, it’s extra important to study your benefits package if you’re working in a hybrid – or full-time work-from-home – arrangement. Look for offerings that provide the support you need to do your best work whether you’re in office or remote, starting with reliable technology and an ergonomic workstation, and extending to child and dependent care benefits, telemedicine, and mental health support.

In addition, the COVID-19 pandemic reminded us all how important life and disability insurance can be. Revisit your insurance coverage, learn whether your benefits are portable, and consider purchasing individual policies to avoid being underinsured or losing coverage.

Open Enrollment 2022: Meeting about disability insurance offered through work

Understanding Disability Income Insurance Offered Through Work

October 18, 2022
By Tara Mallaley Disability Insurance, Employee Benefits, Facts, Financial Planning, Long Term Disability, Protect Your Income, Rock Enroll, Short Term Disability, Uncategorized

By Tara Mallaley Editor’s Note: If there’s one lesson we took away from the pandemic is our salaries may not be replaced when we leave work with an illness. About 50 percent of employees have some form of income protection coverage available to them through .. more »

By Tara Mallaley

Editor’s Note: If there’s one lesson we took away from the pandemic is our salaries may not be replaced when we leave work with an illness. About 50 percent of employees have some form of income protection coverage available to them through their employers.

Typically, employers who provide disability insurance offer both short-term and long-term benefits. Understanding the importance of insuring your income is critical to helping you navigate your employer’s open enrollment for benefits, which usually takes place during the autumn.

Disability income insurance is an essential tool in any financial strategy because it helps protect you from financial loss that can accompany an illness or injury by replacing a portion of the income you earn.

Disability coverage offered through work is a good benefit and a great start to helping protect the income you work hard for. It’s important to understand what is available through work, what it covers, and if it adequately protects your income.

Long-term disability plan options include:

1. 1. 1. 1. Group long-term disability coverage
        
        Individual disability insurance

Group long-term disability plans

- - - - Typically replaces a percentage of an employee’s base salary.
        
        Commonly offers one plan design for all employees with a cap on the benefit amount. (People who work at your company who earned larger base salaries may receive a smaller amount of income replacement based on the “cap” the employer establishes.)
        
        Employers tend to pay the premiums for this type of coverage. This means employees are required to pay the taxes on any benefit paid, resulting in less money received.
        
        Coverage generally terminates when employment ends.

Individual disability income insurance plans

- - - - Replaces a percentage of an employee’s complete salary (there is an option to cover variable compensation such as bonuses or commission) minus other existing disability income insurance you may carry.
        
        Offers design flexibility for classes of employees, including built-in policy features and riders that further enhance protection.
        
        Insurance premiums can be paid by the employer, employee or both. Policy benefits are tax free when employees pay the insurance premium with after-tax dollars.
        
        Coverage is typically portable (meaning you can take the coverage with you if you leave your current employer) with no changes to the premium or benefit amounts.
        
        Can supplement existing group long-term disability plans or can be offered as stand-alone protection if there is no employer disability plan in place.

Next steps

Find out if your employer offers one or both insurance plan options. Then get additional information about the coverage to identify how much protection you qualify for. This amount will determine if you have adequate coverage through work or if you need additional insurance to help supplement what is available through your employer.

To help get you started, find the answers to the questions below. Material is likely provided during in-person benefit meetings, online benefit webinars, or through your employer’s intranet site.

- - - - What percentage of your income is protected (does it replace 60%, 50% etc.)?
        
        Is the employer paying the premiums? If so, remember benefits at claim time can be taxable, which means you receive less money.
        
        What is the cap amount? This will identify if any portion of your income is not included, leaving it unprotected.
        
        Is variable compensation (bonuses, commissions, etc.) covered?

Once your research is complete, decide if you need additional coverage to add to the coverage available through your employer. If so, you’ll want to connect with your financial professional for help on getting the additional coverage you may need.

Social Security Disability Benefits Include Protections for Returning to Work

October 6, 2022
By Steve Perrigo Disability, Disability Insurance, Inclusion Ignites Ideas, Social Security Disability Income, SSDI, Uncategorized

By Steve Perrigo Editor’s Note: When you’re approved for Social Security Disability Income benefits by the Social Security Administration, you receive monthly financial payments (upon approval) and Medicare (after 24 months). A secondary benefit of SSDI is the ability to participate in the Ticket to .. more »

By Steve Perrigo

Editor’s Note: When you’re approved for Social Security Disability Income benefits by the Social Security Administration, you receive monthly financial payments (upon approval) and Medicare (after 24 months). A secondary benefit of SSDI is the ability to participate in the Ticket to Work program that allows beneficiaries of SSDI to return to work while protecting their SSDI and Medicare benefits.

In this post-COVID era, many Americans are well aware they could be the casualty of a life-threatening illness, injury or disability that could remove them from the workforce. As a result, American workers are becoming familiar with protections inherent to their work that can help them sustain themselves and their families.

Benefit For Workers: Ticket To Work Program

All individuals currently receiving SSDI benefits are eligible for and encouraged to use the Ticket to Work program. This is a free and voluntary program that provides individuals with disabilities with a range of services provided by Employment Networks (EN). Case managers at ENs assist individuals in the process of preparing to return to work. Services can include interview preparation, résumé writing, and encouragement in overcoming the barriers to finding employment once they are ready.

Bypassing Valuable Benefits: SSDI And Ticket To Work

While more than 156 million Americans are insured for this benefit, the SSDI program is frequently overlooked for its incredible value. This is true especially among individuals who’ve had a solid working career and want to return to their profession or field after a medical issue. “Many of our clients have significant work experience and have gotten sidelined by a medical issue,” said LeighAnn Jarry, Assistant Vice President of Allsup Employment Services. “Now they’ve recovered enough and are ready to get back into the workforce.”

A medical condition and its work-disrupting effects are not necessarily permanent. For instance, a number of individuals who experience a stroke – depending on the severity – eventually recover. They can stabilize through rehabilitation and return to work. This means workers with a health issue lasting 12 months (and longer) can receive important monthly income and then support with their return to work when they reach medical stability. That’s the core mission of the SSA’s Ticket to Work program.

The little-known TTW program helps those with disabilities get back to work while protecting their benefits and offering other significant incentives. It was signed into law by President Clinton as “The Ticket to Work and Work Incentives Improvement Act of 1999” with the mission of increasing the options for individuals with disabilities who wanted to return to work.

Benefits Of The Ticket To Work Program

1. 1. 1. 1. It costs you nothing. The SSA oversees the Ticket to Work program. It pays the fees for services you access in order to get back in the workforce.
        
        Earn more. You can make as much money as you want, in your first full year of work and keep your SSDI benefits.
        
        Avoid risk. If you stop working, your SSDI benefits will start again. There’s no need to repeat the application and appeals process.
        
        Keep your Medicare coverage. When you go back to work, you can keep Medicare coverage for 93 months once you complete your trial work period.
        
        No more CDRs. Going back to work with the help of a Social Security Administration-authorized EN means that the SSA will suspend all Continuing Disability Reviews while you are making timely progress toward the goals in the TTW program.

Many people have underestimated the value of SSDI benefits and may be unaware of TTW and its significant return-to-work protections. Learning about these little-known programs can be part of the due diligence of knowing how to provide for yourself and your family when the unexpected strikes.

Disability insurance

Accepting Support from Others

Mental Health and Physical Health go Hand in Hand

Disability and Supplemental Health Plans can Help Address Coverage Gaps and Decrease Financial Stress when Serious Health Events Occur

Looking Back and Looking Forward

Higher Level Perspectives and Broader Impact

Social Security Disability Insurance

The Ticket to Work Program

What is disability insurance?

What is the difference between short- and long-term disability?

Short-Term Disability Insurance

Long-Term Disability Insurance

What To Consider

Changing the conversation

Seeing the need before you need it

The tipping point

Will I See My Babies Again?

We’re Not Dying Today

I’ll Be Fine

I Woke Up 5 Days Later in the Hospital

I Want to Go Home

I Have Very Good Disability Insurance

Disability Insurance is Worth It

Protecting your income during your working years

Protecting your loved ones if something should happen to you

Protecting your income in retirement

Make the right moves for your financial future today

GUARDIAN® and the Guardian Logo® are registered trademarks of The Guardian Life Insurance Company of America.

©Copyright 2022 The Guardian Life Insurance Company of America, New York, N.Y. Full permission given to The Council for Disability Awareness to reproduce this material.

2022-145121 (exp: 10/2024)

1 Income Protection: The Role of Disability Insurance in Financial Wellness, The Guardian Life Insurance Company of America, New York, NY, May 2019 https://www.guardiananytime.com/gafd/wps/portal/fdhome/insights-perspectives/emerging-trends/income-protection

2 2019 Retirement Confidence Survey Report conducted by the Employee Benefit Research Institute and Greenwald & Associates, April 23, 2019 https://www.ebri.org/docs/default-source/rcs/2019-rcs/2019-rcs-short-report.pdf

How Your Social Security Disability Benefits Are Calculated

The Process To “Enroll” For SSDI: Quarters of Coverage

How To Claim SSDI

Home office allowance

Portable insurance

Telemedicine

Mental health benefits

Dependent care benefits

Conclusion

Group long-term disability plans

Individual disability income insurance plans

Next steps

Benefit For Workers: Ticket To Work Program

Bypassing Valuable Benefits: SSDI And Ticket To Work

Benefits Of The Ticket To Work Program

Past Articles

¹ Income Protection: The Role of Disability Insurance in Financial Wellness, The Guardian Life Insurance Company of America, New York, NY, May 2019 https://www.guardiananytime.com/gafd/wps/portal/fdhome/insights-perspectives/emerging-trends/income-protection

²2019 Retirement Confidence Survey Report conducted by the Employee Benefit Research Institute and Greenwald & Associates, April 23, 2019 https://www.ebri.org/docs/default-source/rcs/2019-rcs/2019-rcs-short-report.pdf