You may not be able to change your luck, but you can control how much a moment of bad luck could impact the rest of your life. David was lucky enough to know this before a stroke ended his career at age 48. The Council for Disability Awareness (CDA) explains David’s story: He was active […]
The evolution of Disability insurance has been a long one. It began 200 years ago and now is the benefit workers enjoy as a compliment to their core health insurance. Through it all, one thing has remained the same: workers have long valued the security of knowing they have income protection in the event of […]
Financial wellness is about peace of mind. One of the best ways to gain that is by doing what you can to protect your income, should you face an unexpected challenge. Most people want to feel secure about the big picture and know that their livelihood and that of their family will be covered no […]
When you or someone you love has a medical emergency, it can feel like an emotional roller coaster. There’s the shock of the diagnosis, and fear about what’s ahead. But there’s also the worry about what the cost of treatment will do to your finances. That’s where Critical Illness insurance comes in. How Critical Illness […]
A tale as old as time: When you’re facing a serious medical problem, regular health insurance may not be enough to cover all the costs. Employer-provided health plans became widely adopted during World War II. At the same time, in addition to the rising costs of medical care, a few employment trends were taking place: […]
If you experienced an injury due to an accident, what would happen to your budget? Let’s say you’re a healthy, active teacher in your 30s. One weekend, you’re cleaning out the gutters on your home, lose your footing, and fall from a ladder, badly breaking your arm. Odds are, you’d end up with a bunch […]
As far as insurance goes, Accident insurance is relatively new. Insurance to cover accident expenses “virtually did not exist before about the middle of the nineteenth century,” according to the book, “Introduction to Life Insurance Volume III” by Joseph B. Maclean. It’s not that accidents didn’t happen earlier, but they became much more common when […]
You’ve heard it said from an early age: Accidents happen. It means something different when you’re a kid spilling milk than it does as an adult with a financial future to protect. Stephani Victor, shared her story with The Council for Disability Awareness (CDA). At 26, the healthy, active film-school graduate was in a car […]
Fringe benefits are the benefits that come in addition to your paycheck. Sometimes they’re free, like paid holidays, onsite yoga classes, vacation and sick days, the use of a company car, employee discounts, onsite childcare, or educational stipends. Other times, you may need to have your paycheck deducted to access them, like with Supplemental insurance […]