Why employers should add child disability insurance to their benefits suite
Employee Benefit News
JUNE 3, 2024
Juno is the first company to offer child disability insurance for workers in the U.S. Do employers need it?
Are You Actually Covered? It’s Time to Evaluate Your Group Disability Insurance
CorpStrat
MARCH 21, 2024
If your company provides Employee Benefits, there’s a good chance you’re enrolled in a Group Disability Insurance plan. We’ve observed a common trend: many Group Disability programs are neglected and outdated. If you’re a high-income earner who assumes you’re adequately insured, think again.
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How Does Disability Insurance Work? | BerniePortal
BerniePortal
APRIL 29, 2022
Employers often offer ancillary benefits like disability insurance as part of the enrollment process , but unlike health coverage , not all employees will need ancillary benefits. So, what is disability insurance? Here’s what you need to know, including the difference between short- and long-term disability coverage.
Safeguarding Your Business MVPs: The Power of Key Person and Disability Insurance
CorpStrat
FEBRUARY 12, 2024
We’re talking about things like illness, disability, or the loss of a key team member. This is where the importance of employee benefits, key person insurance, and disability insurance comes into play. Protecting Your Business MVPs Most companies have health insurance to cover medical expenses and illnesses.
An Overview of State Disability Insurance for Employers
Patriot Software
MARCH 14, 2022
In some cases, the employee must receive short-term disability insurance benefits. But, that all depends on whether you decide to offer it—or whether your state forces you to due to a state disability insurance program. What happens? Does yours? Let’s […] READ MORE.
Disability Leave vs. Disability Insurance: What’s the Difference? | BerniePortal
BerniePortal
AUGUST 17, 2021
When it comes to disability leave and disability insurance, there’s a lot that employers need to know in order to best support their teams. Many people refer to disability benefits, insurance, and leave interchangeably, but the differences are significant when it comes to compliance and benefits administration.
OASDI Tax: Old-Age, Survivors, and Disability Insurance (OASDI) Tax Deductions
Patriot Software
JUNE 18, 2024
One of the taxes you must withhold from employee wages is the Old-Age, Survivors, and Disability Insurance (OASDI) tax. Tax withholding is an essential piece of the payroll puzzle. You must also contribute an employer portion of the OASDI tax. OASDI tax is more commonly referred to as Social Security tax.
Who Needs Disability Insurance?
Fringe Benefit Analysts
MARCH 2, 2022
That’s where disability insurance comes in. What is Disability Insurance? Disability insurance can replace your lost income if you’re unable to work due to illness or injury. Think of it as insurance for your paycheck, which is likely your most valuable asset. Who needs disability insurance?
Workers’ compensation vs disability insurance
Higginbotham
MARCH 2, 2023
Workers’ compensation and disability insurance are two different types of programs that can provide benefits. Learn about the differences between workers’ compensation vs disability insurance and why your workers may need access to both. What are disability insurance benefits?
Disability insurance for business owners
Higginbotham
JULY 17, 2023
If you’re someone who’s familiar with the intensity of that commitment, have you considered what would happen to your business if you were unable to work due to a disability? In this article, we will explore the importance of disability insurance for business owners and how it can help protect your livelihood in times of need.
The importance of disability insurance
Higginbotham
AUGUST 25, 2023
It’s a real risk, and it’s why anyone who depends on a paycheck needs to understand the importance of disability insurance. Why is disability coverage important? If you had a one-in-four chance of losing your house to a flood , you’d probably want to protect it with flood insurance. Savings can deplete fast.
Does your disability insurance cover long COVID? What's at risk for employers and employees
Employee Benefit News
FEBRUARY 22, 2024
Conway is representing a plaintiff who was denied disability coverage by Hartford Life and Accident Insurance Company. ERISA attorney J.J.
Financial Aspects of “Unretirement”
Money Talk
AUGUST 10, 2022
Medicare - Older adults age 65+ who are on Medicare, begin working again, and receive primary creditable employer-provided health insurance coverage (i.e., A new job may also provide access to valuable employer term life and disability insurance. The coverage must be deemed creditable or late enrollment penalties will apply.
How to Communicate About Disability Insurance
Winston Benefits
OCTOBER 11, 2016
This avoidance can have dire consequences, because the Social Security Administration says more than a quarter of today’s 20-year-olds will be disabled at some point before age 67. Communicating about disability insurance takes discretion and compassion as you debunk misunderstandings about the product.
The Disability Insurance “trust gap” Part 2: Actions
Workers' Compensation Perspectives
SEPTEMBER 23, 2023
[This is the second part of a discussion on the Disability Insurance “trust gap”. It is based on notes and discussions points for sessions in a 4th year Disability Management course on Workplace Insurance and Benefits. Part 1 explored the reasons for the lack of trust in disability insurance.
Group Disability Insurance: Just How Important Is it? (Hint: Very)
CorpStrat
JULY 15, 2021
That’s where Group Disability Insurance comes in. Group Disability Insurance is: 1.) Some people are under the false impression that Group Disability Insurance is expensive. In the event of the unthinkable, NOT having Group Disability Insurance is far more costly. Extremely affordable.
Disability Insurance Is Often Overlooked, But No Less Important
Winston Benefits
OCTOBER 20, 2016
This open enrollment season, as employees choose next year’s insurance benefits, it’s a good time to take notice of disability plans. The following articles explain why disability insurance is important and what employers can do to review their offerings and promote them to employees.
The Crucial Role of Long-Term Care Insurance and Disability Insurance in Your Financial Plan
CorpStrat
DECEMBER 29, 2023
In today’s ever-evolving job market, employers are beginning to recognize the value of offering long-term care insurance benefits to their employees. However, the concepts of long-term care insurance and disability insurance can sometimes be muddled, creating confusion in the minds of many.
The Financial Costs of Being Unvaccinated
Money Talk
SEPTEMBER 1, 2021
It will also charge unvaccinated employees $200 monthly health insurance premium surcharges starting November 1. When unvaccinated people lack health or disability insurance or die without life insurance, the situation is even more dire for survivors, who may need to seek public assistance to get by.
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Are Your Benefits Enough to See Employees Through a Crisis?
InterWest Insurance Services
OCTOBER 31, 2024
Middle class families — those with incomes of between roughly $50,000 and $100,000 per year — are becoming increasingly reliant on workplace benefits to ensure their financial well-being in case of a disability or critical illness. Simple health insurance is insufficient to carry the load. Are life insurance benefits adequate?
How employers are bringing more benefits to working parents
Employee Benefit News
SEPTEMBER 19, 2024
Employers are updating parental leave policies and adding supplemental child disability insurance to help support parents.
Illness or Injury: How Your Business Can Protect Your Employees
InterWest Insurance Services
JULY 26, 2022
You as an employer can help by offering group disability insurance to your employees. This insurance helps replace a portion of a worker’s income if they lose their income due to an injury or illness. Typically, disability insurance policies will replace between 50 and 65% of a worker’s income.
The Ins and Outs of Small-Business Insurance
Kollath CPA
OCTOBER 27, 2021
If you have business interruption insurance, can it help you through the pandemic? Learn more about The Ins and Outs of Small-Business Insurance. Business interruption insurance can cover lost income and continuing expenses while your business is closed or being repaired. The Ins and Outs of Small-Business Insurance.
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How Many Social Security Disaiblity Insurance (SSDI) Applicants Win Benefits at Reconsideration?
Attorney Charlie Hall
NOVEMBER 26, 2021
These benefits provide a valuable source of income and health insurance to those workers who have become disabled. WHO PROCESSES AND DETERMINES YOUR INITIAL APPLICATION FOR SOCIAL SECURITY DISABILITY INSURANCE (SSDI) BENEFITS? Over 64 million Americans collected Social Security benefits in 2020.
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Ensuring Financial Health with Disability Insurance
Winston Benefits
MAY 14, 2020
Seventy-one percent of employees say that because of the benefits they receive at the workplace, they … Continue reading "Ensuring Financial Health with Disability Insurance". The post Ensuring Financial Health with Disability Insurance appeared first on Winston Benefits.
Ensuring Financial Health with Disability Insurance
Winston Benefits
MAY 14, 2020
Seventy-one percent of employees say that because of the benefits they receive at the workplace, they … Continue reading "Ensuring Financial Health with Disability Insurance". The post Ensuring Financial Health with Disability Insurance appeared first on Winston Benefits.
Importance of Employee Benefit Package And Why it Matters
HR Digest
MAY 21, 2023
From mandated health insurance plans to free snacks, benefits and perks can play a big role in talent attraction and employee retention. Health insurance Those benefits provide a baseline of employee expectations. Health insurance 2. Dental or vision insurance 4. Considering health care and life insurance 5.
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CAN VETERANS GET SSDI BENEFITS IF THEY BECOME DISABLED WHILE ON ACTIVE MILITARY SERVICE?
Attorney Charlie Hall
DECEMBER 31, 2021
Disabled veterans can apply and get Social Security Disability Insurance at the same time as Veteran Administration (VA) Disability Compensation. Getting approved for disability benefits provides increased income stability for veterans and their families.
Employee Benefits: The Only Guide You Need
Achievers
FEBRUARY 2, 2021
Federal and state mandated benefits include health insurance, worker’s compensation, unemployment insurance, and required leave time for caring for family and/or personal medical purposes. Health insurance, and family and medical leave, are not required for all businesses. What are benefits that are voluntary?
Changes in California's State Disability Insurance: Should your organization consider a voluntary option?
Employee Benefit News
SEPTEMBER 3, 2024
Employers may want to consider alternatives that offer coverage that comes with a reduced financial impact on employees.
5 voluntary benefits plan design tips
WEX Inc.
JULY 10, 2024
These benefits go beyond the core offerings like medical, dental, and vision insurance. They can include a wide range of options such as pet insurance and more specialized benefits like accident and critical illness insurance.
Short-term Disability vs. Long-term Disability
Patriot Software
SEPTEMBER 7, 2022
You and your employees need to know about short-term vs. long-term disability insurance. You can offer short-term and long-term disability insurance options for your […] READ MORE. What happens if an employee gets injured or ill and can’t work for an extended period of time?
16+ types of employee benefits you should consider
Genesis HR Solutions
SEPTEMBER 22, 2020
There are four major types of employee benefits many employers offer: medical insurance, life insurance, disability insurance, and retirement plans. Medical Insurance. Medical insurance is likely a no-brainer— it’s one of four major types of benefits most employers offer. Dental Insurance. Disability.
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Changes to California SDI Coming January 1
PayrollOrg
DECEMBER 27, 2023
Effective January 1, 2024, there is no California state disability insurance (SDI) taxable wage base limit, which means there is no cap on the amount of employee contributions for SDI.
The Importance of Disability Insurance and Why Your Company Should Offer Multiple Options
Winston Benefits
MAY 19, 2021
According to Simply Insurance, roughly 375,000 Americans become completely disabled each year. With numbers like these, it’s shocking to realize that 110,000,000 Americans don’t have long-term disability insurance, and 48% of U.S.
The Big Difference Between Long-Term Care and Long-Term Disability Insurance
Corporate Synergies
SEPTEMBER 24, 2018
It’s important to educate employees on how long-term care and long-term disability insurance differ from each other. So it stands to reason that there’s a resurgence of interest in long-term care and long-term disability insurance. Long-term Care Insurance. Long-term Disability Insurance. As Seen In.
Why Your Staff Needs Short- and Long-Term Disability Coverage
InterWest Insurance Services
FEBRUARY 9, 2023
While their health insurance will cover their medical expenses, it won’t cover the cost of living while they recover. Only 30% of American workers in private industry currently have access to employer-sponsored long-term disability insurance coverage, according to the U.S. Bureau of Labor Statistics.
How a Social Security Disability Attorney Can Help You
Attorney Charlie Hall
MAY 18, 2020
How a Social Security Disability Attorney Can Help You. Social Security Disability Insurance and Supplemental Security Income benefits can take a long time to obtain. Attorney Charlie Hall does the legwork in your case, so that you can focus on your medical treatment and recovery. We don’t push that on you.
Rhode Island TCI: Your Questions About the Ocean State’s Paid Family Leave Program Answered
Patriot Software
FEBRUARY 23, 2023
In 1942, Rhode Island was the first state to offer Temporary Disability Insurance (TDI) benefits to employees. Following the success of this program, Rhode Island created the Temporary Caregiver Insurance (TCI) program in 2013. Read on to find […] Read More
Fibromyalgia and Social Security Disability
Attorney Charlie Hall
SEPTEMBER 25, 2021
ELIGIBILITY TO RECEIVE SOCIAL SECURITY DISABILITY INSURANCE BENEFITS FOR FIBROMYALGIA. Although the SSA already requires a doctors’ diagnosis, they will still evaluate your history of symptoms to determine whether you are capable of work.
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243 Disability Insurance Offers Vital Income Protection
Winston Benefits
FEBRUARY 11, 2016
2016 is an election year and with that comes inevitable talk of America’s looming personal financial crisis. We’re not saving enough for retirement and too many Americans are living paycheck to paycheck, or close enough, which means even a short income disturbance could be catastrophic for many people.
Two-thirds of Small Firms Are Boosting Their Benefits Packages: Poll
InterWest Insurance Services
AUGUST 30, 2022
Now more than ever, employers need to step up their employee benefits game beyond providing group health insurance. Good pay and a robust health insurance package still win the day, but employers are having to do more to sweeten the pot, according to a new survey by MetLife. The popularity of medical insurance is well established.
Pregnancy disability leave — who and what are covered
Business Management Daily
JUNE 20, 2022
Women needing to take time off also may be eligible for pregnancy disability leave (PDL) if no longer able to perform job duties because of pregnancy-related medical conditions. This type of short-term disability insurance coverage may come directly from an employer as part of its benefits package.
How a living benefit rider can add value to life insurance
Higginbotham
DECEMBER 18, 2024
Many people purchase life insurance as a way to ensure that their loved ones will be financially secure in the event of their untimely death. But, if your life insurance policy has a living benefit rider, you may also be able to claim benefits for yourself during your lifetime. What is a living benefit rider?
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