Employer Sponsored Disability Insurance: Meeting A Need

A recent study by the Consumer Federation of America (CFA) spotlights the value of employer sponsored disability coverage in helping meet the health and financial well-being of workers. According the Social Security Administration, one in every four employees will use their disability coverage at some point. Despite this need, the nationwide survey found that fewer… Read more »

Work-Life Plans Boost Value Of Voluntary Benefits

Voluntary benefits have been gaining traction with employers and employees as valuable supplemental coverage to a core benefits package. For example, in today’s age of skyrocketing medical costs, programs such as Disability, Accident, and Critical Illness insurance are increasingly popular with workers concerned about paying for health care. Although these primary plans have been garnering… Read more »

Supplemental Disability Income: Beware These Pitfalls!

The income disparity between rank and file workers and highly compensated employees (especially those eligible for bonuses) is leading more and more companies to offer Supplementary Disability Income insurance. These plans, usually written on a guaranteed standard issue basis, provide coverage at discounted rates. Supplemental Disability Income has a strong appeal these days, especially with… Read more »


As businesses shift the cost of benefits programs to their workers, more and more employees wanting a larger say in how these dollars are spent are personalizing their Disability Income (DI) plans. A recent nationwide survey of nearly 1,400 workers by TNS Omnibus found that: More than four in five respondents (86%) say that it’s… Read more »

Don’t Disable Your Disability Insurance!

In tough times, we’re all looking for ways to save money. When you’re healthy and working, it’s hard to imagine being disabled by illness or injury. But be careful about disabling your Disability insurance. When you need it, it’s often too late. Bear in mind that: One in three working Americans will suffer a disability… Read more »

Business Insurance 101

Shopping for business insurance doesn’t have to be a daunting task.  Sure, the terminology and general language can seem foreign to those never dealing with it before, or even having some experience. One easy way to break it down to the basics is to remember all business insurance covers one of four things; liability, property, persons, or… Read more »

How To Prepare Financially For A Columbia MD Critical Illness

No one wants to think about what would happen if they contracted a critical illness like cancer or had a major heart attack. However, critical illnesses affect millions of people every day. Take several steps today as you prepare financially for a critical illness. What are Critical Illnesses? A short list of critical illnesses includes:… Read more »

Understanding the Benefits of Voluntary Insurance Products

When it comes to finding and retaining quality employees, you must be able to provide them with a comprehensive benefits package. Even if you can’t afford to pay for all of the included insurance products, they should be offered. You will likely find that many of your employees prefer to pay for voluntary products instead… Read more »

Group Disability: A Financial Safety Net For Your Workers

If sickness or injury kept an employee off the job for weeks — or months — how would he or she be able to pay the bills? The answer: Group Disability insurance provides an invaluable source of income, averaging about 60% of his or her earnings, for up to two years (depending on the policy)…. Read more »

Nursing Homes and Residential Care Facilities Hit With Overtime Claims

This month the United States Department of Labor reported that from 2011 to 2014 it recovered more than $6.8 million in overtime and unpaid minimum wages for more than 1300 employees in Bay Area nursing homes and residential care facilities. Working conditions in some residential care facilities can be difficult for many caregivers. Many of… Read more »