Disability Insurance

This Video Should Go Viral

This entire article is intended to get you to click on a link and watch a two-and-a-half minute video. Here’s the link: https://glic.wistia.com/medias/blateobmza Alternately, you can watch it on YouTube: https://www.youtube.com/watch?v=4gfHVKzPsSY&t=3s If you’ve clicked and viewed, you probably don’t have …
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Preparing for What You Can’t Prepare For

    Preparing for What You Can’t Prepare For     There’s a fundamental dilemma at the core of our financial planning processes: it’s our inability to prepare for unknown, random events that can undo everything. No matter how much we …
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You Don’t Get to Define Your Disability

In 2011, the US Census Bureau reported that about 12% of the total population was classified as disabled. More than 50% of those disabled Americans were in their working years, from 18-64. And the Social Security Administration’s February 2013 Fact …
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60 Percent of What?

When the topic is group disability insurance, master swordsman Inigo Montoya from the 1987 movie “Princess Bride,” might reply: “You keep using that word ‘covered.’ I do not think it means what you think it means.” Montoya’s skepticism is justified. …
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Why Don’t Americans Protect Their Human Capital?

Here’s an arbitrary, unofficial definition of an expert: A person who believes he is smart enough to tell others what they should do. And there’s a corollary: Non-experts resist being told what to do by experts. For the last decade, …
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Coffee Stains on the Disability Insurance Napkin

Imagine that, after lengthy interview processes, two prospective employers offer you positions in their companies. Both companies are in the same industry, and your duties will be the same with either organization. The only real difference is the compensation package. …
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19-Year-Old Makes “Elite” Decision about Insurance

Isaiah Austin is now 20 years old; he is over seven feet tall, and athletic. As an elite college basketball player at Baylor University, Austin expected to be selected in the National Basketball Association’s June 2014 draft, an event that …
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Should You Be Nervous About Your Disability Insurance?

Securing disability income protection can be a detail-intensive process. The critical features in any disability income protection policy – group or individual – are the contractual provisions that define the circumstances under which a claim will be paid. And unlike …
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Disability in Lake Wobegon

In his long-running radio program A Prairie Home Companion, host Garrison Keillor reports events from the fictional community of Lake Wobegon, Minnesota, a place where “All the women are strong, all the men are good looking, and all the children …
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If You Are Going It Alone, You Are Not Alone

It’s a demographic trend that’s been consistently building for the past 50 years, but still mostly under the collective radar of the American public. The U.S. is becoming a nation of single people. Whether unmarried, divorced, or widowed, more Americans …
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