disability costs

Three ways employee healthcare costs add up

As you know, hiring a new employee costs much more than the salary or wage they’re offered. Although employee benefits make up part of that equation, employees attending to health issues can contribute to increased costs. When employees take time off to attend to their health concerns or attempt to work through an illness or […]

Engage employees to increase disability insurance enrollment

Health care costs are rising. How can you reallocate costs while still attracting and retaining top talent with a strong benefits package? Some employers are shifting traditional employer-paid benefits — including long-term disability (LTD) insurance — to employees as voluntary coverage.

Disability insurance trends [part four]: The importance of enrollment education

Health care costs are steadily increasing, causing many employers to make adjustments to their company’s benefits offerings. Now, instead of offering employer-sponsored coverage, companies are turning to voluntary products to save money.

Disability insurance trends [part three]: The rise of health disorders

Recent statistics show that in addition to economic sluggishness and fewer jobs for American employees, the Great Recession also has contributed to an increased incidence of employee disability claims. Employers are doing more with less due to the economy, which, in turn, is taking a toll on employees. Larger workloads and longer hours often cause employees stress or even health issues.

Disability insurance trends [part one]: The effects of an aging workforce

In the last 10 years, the net worth of an average American employee has dropped significantly; from 2007 to 2010 alone, the median net worth of American families dropped nearly 40 percent.

The $2 million reason to protect your income

At some point during their working lives, more than a quarter of today’s 20-year-olds will experience a disability that interrupts their ability to earn an income. However, far too many Americans believe they are not at risk of a disabling illness or injury, as two-thirds do not have private long-term disability insurance.

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