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The host of Lets Chat Radio has been a licensed insurance benefits counselor for 6 years working in the life and health insurance markets and today will discuss disablilty insurance. Get your pencil and paper ready !
Nearly one-third of U.S. workers will become disabled at some point in their career before reaching retirement, according to a 2009 estimate from the Social Security Administration. Yet the federal agency says that 70% of employees aren't covered by private long-term disability insurance. Social Security disability benefits are available for certain disabled workers, but the average payout is only 40% of a person's income and the allowance rate for initial claims can be as low as 30% in some areas of the U.S.
Individual disability insurance is truly a basic concept. It is an insurance product designed to replace anywhere from 45-60% of your gross income on a tax-free basis should a sickness or illness prevent you from earning an income in your occupation. Your most important asset is your ability to bring home a paycheck, DI makes sure that regardless of any adverse changes to your health, you are able to provide for yourself and your family. Every disability insurance policy from every insurance company is very different, this is not a product to simply shop for the most competitive rate. To buy the cheapest disability insurance policy on the market is to throw money away. The odds of getting paid a monthly benefit under a cheap contract may be significantly lower than receiving benefits from a quality contract. The goal of this show is to provide you with information to make an educated decision on your own. I will provide you with information regarding the major features of a disability insurance policy so that you may better understand how to read a disability insurance policy. More information contact me at firstname.lastname@example.org
What happens when you have an injury that ends your career? If you aren’t covered by the proper disability insurance you could have drastic ramifications to your income. Some disability insurance will protect you whether the injury is work related or not. Shirley Gutkowski, Host of Cross Link Radio, speaks with Craig Gussin and Jean Rockwell about different types of disability insurance.
Craig Gussin attended Wayne State University in Detroit, Michigan, where he received his degree in Business Administration. Craig also holds an advanced degree, Charter Life Underwriter from Bryn Mawr College in Bryn Mawr, Pennsylvania. He is a Certified Health Care Reform Specialist and a member of the National Association of Insurance and Financial Advisors, along with the National Association of Health Underwriters and The International Disability Insurance Society. He has written articles, conducted seminars, been interviewed on TV, Radio, in the newspaper and magazines, including the June 2011 issue of Money Magazine.
Jean Rockwell was a full time RDH for 29 years, when she was forced to retire due to a disability. Luckily, she had disability insurance, allowing her to maintain the lifestyle she had while working as an RDH. She lives in San Diego, California, and is currently working part time as an insurance agent with Auerbach & Gussin Insurance, promoting disability insurance to RDH’s. She is a co-author of an article in RDH Magazine where she examines the features of a comprehensive disability insurance policy. She also co-monitors an online group, specifically designed for disabled or injured RDH’s. She is a member of ADHA and CDHA. Jean attended Pensacola Junior College in Pensacola, Florida and obtained her Associate of Science degree in Dental Hygiene.
As dental hygienists, we have all at least contemplated about buying disability insurance. But is it worth the expense? What kind of disabilty insurance is there? How expensive is it? What would it cover? How long would it last if you ever needed to use it? Today, America's Dental Hygienist, Shirley Gutkowski talks with Ann Hansen about all the pros-and-cons of disablilty insurance. Ann Hansen is a Registered Dental Hygienist and has a Bachelor's Degree in Health. She has over 30 years of dental experience--ranging from registered dental assistant, insurance manager, office manager and dental hygienist. She has been retired from dental hygiene since 2008 but still stays connected to dentistry through education and mentoring. She is a two-time attendee of Career Fusion--and loves the comraderie and support it has brought to her life.
Ernest and Renate will discuss what disability insurance is and why we need it. Sometimes the unexpected happens and we are put in a position where we are unable to work. What will you do? How will you continue to pay your bills and maintain your quality of life? There are various programs that are designed to fill in the gap but you would be surprised how many people are not protected. Are you one of them? Get the facts today. Log onto http://www.blogtalkradio.com/a-americanlegacy.com at 3:00pm today!
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Are many sick or injured people cut off from Long-Term Disability Benefits after two years? Does that sound like long-term support for the injured? Is this something in the fine print? And were do those premiums paid for go? Let's talk about Long-Term Disability Benefits from Employers and Insurance Companies today.
Today we’re talking about tomorrow. The world as it is and as it’s going to be - the world of opportunity for those prepared – the change architects. Our guest is Michael Jans. He is the founder and CEO of Agency Revolution. He’s been defined in the industry press as an “Insurance Marketing Maven” and a “marketing genius.” Clients have described him as a “Millionaire Maker.” His history includes serving as the Executive VP for the Professional Insurance Agents in Oregon, Washington, Idaho, Montana, and Alaska - the fastest growing affiliate of the Certified Insurance Counselors' (CIC) program - for seven years.
Today’s guest is Paul Carroll, CEO and Editor in Chief of Insurance Thought Leadership.
Paul is the co-author of The New Killer Apps: How Large Companies Can Out-Innovate Start-Ups and Billion Dollar Lessons: What You Can Learn From the Most Inexcusable Business Failures of the Last 25 Years and the author of Big Blues: The Unmaking of IBM, a major best-seller published in 1993. Paul spent 17 years at the Wall Street Journal as an editor and reporter. The paper nominated him twice for Pulitzer Prizes. In 1996, he founded Context, a thought-leadership magazine on the strategic importance of information technology that was a finalist for the National Magazine Award for General Excellence. He is a co-founder of the Devil’s Advocate Group consulting firm.
Even the most casual observer of the risk and insurance industries can easily see the “fingerprints” of government on the process and results. Legislation, litigation and regulation are much of the process. The change that is the ACA is just one large example. Even the most casual observer of government can easily see the “fingerprints” of politics and grassroots on the process and hence the outcomes.
In the past two decades, Brian Feldman has lived and worked at the intersection of healthcare, grassroots and politics. As a founder of the Edison Group and now as a Senior Partner with Allison Partners – Brian will provide us with insight into the past, present, and future of the art of politics and the people and groups that determine the outcome.
What is the utlimate harassment and intimidation tool? Disability Surveillance. Fear is a common mechanism to move average citizens, but do you have to respond in insurer best interest or yours? Just because a company would rather keep not only your premiums but benefits after filing a claim doesn't mean you have to walk away sad and defeated. Today it is time to learn Counter Disability Surveillance 101, because bullies shouldn't get their way. Join me, ESTRA on discussing Counter Disability Surveillance 101.
Beyond Insurance's Mike Manes sits down with Sound Marketing's Jack Burke as they cover technology, the global economy and the new power players that could affect the insurance industry.
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