Are You Prepared to Live Income Free? A Young Cancer Patient’s Hindsight Advice

Say what you will about social media. It can be a highlight reel that evokes thoughts of “how is she possibly in Bora Bora again” or “does he ever work?” It can also reconnect you with people you haven’t seen in a decade, without even .. more »

4 Things to Know About Family Leave and Your Income

Becoming a parent is an extraordinary and, at times, stressful endeavor. Your life is about to fundamentally change. And as you plan the myriad dimensions of this new reality, you may be wondering how you’ll cover all the bills while you take time off work. .. more »

The Value of Disability Insurance as Income Security

By Gene Lanzoni, Marketing, Thought Leadership, Customer Insights The Guardian Life Insurance Company of America The ability to earn an income is essential to modern living, yet more Americans often prioritize protecting their home, car, health, and teeth over helping protect their income with insurance. When .. more »

Selecting benefits and insurance products that make sense for you

By Carol Harnett, President, Council for Disability Awareness Note: An earlier version of this post appeared in Carol Harnett’s employee benefits column for Human Resource Executive. You don’t know me, but I’m someone people have come to trust when they want to have a conversation about .. more »

How Many Working American Households Lack Private Disability Coverage?

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? .. more »

The Top 5 Reasons Why People Go Out of Work and Stay out of Work

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 .. more »

5 Frequently Asked Questions About Disability Insurance

Disability insurance provides critical financial protection to American workers. Yet it’s a highly misunderstood form of insurance. You probably have health insurance, home or renter's insurance, and car insurance. But what about your need for income protection insurance? Disability insurance pays you a portion of .. more »

Home Ownership and Disability: What You Need to Know

Buying a home can be one of the most exciting experiences that life has to offer, especially when all the stars seem to align. As consumer confidence continues to build and mortgage rates continue to fall, the housing market is seeing an uptick—especially among millennials. While .. more »

Why Millennials Need to Think about Disability Insurance

Millennials are shaping up to be one of the most influential and unique generations of all time. They’re already the biggest population in US history, consisting of 92 million people (compared to 77 million “baby-boomers”), and they currently make up close to half of the .. more »

Is Supplemental Disability Insurance Worth It?

There’s an old saying that there are three types of people in the world: those with disability insurance, those without it, and those with supplemental disability insurance. Okay, that’s not an actual saying, but it’s true. Disability insurance is a great way to protect your .. more »