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Disability Insurance Basics

By Debbie Klimas
Disability Insurance Basics

If you rely on your income, you need to protect it with a good disability insurance policy. Many people take this for granted, but consider the economic impact you have to your family: Annual salary:  $50,000 Age: 35 Retire at age: 65 Earned income over 30 working years: $1,500,000 Do you have anything else in your possession that’s worth over $1,5000,000? If you did, wouldn’t you insure it against loss?  That’s what disability insurance does…

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Short Term Disability Insurance and Pregnancy

By Bob Bland
Short Term Disability Insurance and Pregnancy

We get many request for short term disability insurance to cover maternity leave. Most of these requests are from women who have left a large employer, or are no longer working full-time, and are therefore not covered under a group short term disability policy (STD). They’re either already pregnant or considering becoming pregnant, and are looking for some disability coverage to provide income while out of work and on maternity leave. Unfortunately, normal child birth…

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Your House Is Full And You Need to Be a Multi-generational Insurance Expert

By Todd Halterman
Your House Is Full And You Need to Be a Multi-generational Insurance Expert

If your home is like a growing number of households these days, your “empty nest” is anything but empty. According to the latest data from the Pew Research Center, the number of us living in “multi-generational households” has more than doubled since 1980. That means families are adapting to a whole new model when it comes to day-to-day living. As Baby Boomers are tasked more and more with supporting their aging parents, accommodating their college-aged…

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