Resources

20 Resources for

Disability Insurance

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Employment Taxes?: What: Social security and Medicare taxes pay for benefits that workers and families receive under the Federal Insurance Contributions Act FICA. Social security tax pays for benefits for the retired, survivors, and disability insurance distribution provisions of FICA. Medicare tax pays for benefits under the medical care provisions of FICA. As...; Tags: Benefits, payroll solutions, Taxes, disability insurance, Medicare, Social Security, tax, benefit, bank, worker, financial; White papers
Insurance: How Much Disability Insurance Do You Need?: How much disability insurance do you need? This financial tool will help to get answer to this question.; Tags: Benefits, payroll solutions, disability insurance, insurance, financial; Tools & templates 2008-01-01
Screening Disability Insurance Applications: This paper investigates the effects of intensified screening of disability insurance benefit applications. A large-scale experiment was setup where in 2 of the 26 Dutch regions case workers of the disability insurance administration were instructed to screen applications more intense. The empirical results show that intense screening reduces long-term sickness...; Tags: Benefits, payroll solutions, disability insurance, absenteeism, benefit, analysis; White papers 2006-02-01
UnumProvident Champions Innovative Solutions for Supplemental Disability Insurance Benefits: Key trends have moved supplemental disability insurance to the forefront of the employee benefits package. Employee-pay-all plans help manage the conflicting corporate challenge of pursuing cost-containment strategies and granting employees access to adequate coverage, as well as help fill gaps in core benefit offerings. They also enable employee populations to...; Tags: Benefits, payroll solutions, HEALTHCARE, Insurance, UnumProvident, benefit plan, health insurance, disability insurance, benefit, health care, advisor, environment, strategy; White papers 2005-10-11
Disability Risk and the Value of Disability Insurance: The paper estimates consumers' valuation of disability insurance using a stochastic lifecycle framework in which disability is modeled as permanent, involuntary retirement. It bases the probabilities of work limiting disability on 25 years of data from the Current Population Survey and examines the changes in the disability gradient for different...; Tags: Benefits, payroll solutions, National Bureau of Economic Research, disability, disability insurance, valuation, worker; White papers 2005-09-01

The Disability Dilemma: Companies are cutting back on disability insurance, just as the country is seeing a surprising jump in long-term illnesses and injuries. This paper overviews to protect oneself against this hidden threat to one's financial security. While the erosion of health benefits in the workplace has commanded attention for years, disability...; Tags: Benefits, payroll solutions, Smartmoney.com, disability insurance, health benefit, workplace, health care, financial; White papers 2005-07-01
Social Security Reform: The Importance of Disability Insurance and Annuities in Individual Accounts: The current debate on reforming Social Security is focused almost exclusively on retiree benefits, and elected officials have generally said that disability benefits would be ôpreservedö or ôprotectedö under any reform plan that addresses the Social Security programÆs looming financial shortfall. However, in many cases when the Social Security Administration...; Tags: Operational accounting, Benefits, Social Security, disability insurance, annuity, benefit, financial; White papers 2005-07-01
Genetic Testing for Alzheimer's Disease and Its Impact on Insurance Purchasing Behavior: New genetic tests for adult-onset diseases raise concerns about possible adverse selection in insurance markets. To test for this behavior, this report reveals about 148 cognitively normal people participating in a randomized clinical trial of genetic testing for Alzheimer's disease for one year after risk assessment and Apolipoprotein E APOE...; Tags: Benefits, payroll solutions, Project HOPE, Alzheimer's disease, disability insurance, long-term care, risk assessment, insurance, clinical trial, health care; White papers 2005-04-01
Disability Insurance: SSA Should Strengthen Its Efforts to Detect and Prevent Overpayments: The Social Security Administration's SSA Disability Insurance DI program is one of the nation's largest cash assistance programs for disabled workers. In fiscal year 2003, the DI program provided about $70 billion in financial assistance to approximately 7.5 million disabled workers, their spouses, and dependent children. This program has grown...; Tags: payroll solutions, Benefits, Government Accountability Office, disability insurance, earnings, worker, financial; White papers 2004-09-01
The Story Behind the Statistics: Disability Insurance DI insurance is tremendously undersold. The product is unique and universally beneficial to those in the work force. The more a person earns, the more he has at stake. Insurance professionals should sell DI with conviction. Selling with conviction means selling with an unshakable belief in what one...; Tags: payroll solutions, Benefits, disability insurance, insurance, financial; White papers 2004-09-01
Designing Optimal Disability Insurance: A Case for Asset Testing: The paper analyzes an implementation of an optimal disability insurance system as a competitive equilibrium with taxes. The paper shows that an asset-tested disability system in which a disability transfer is paid only if an agent has assets below specified maximum implements the optimum. The logic behind the result is...; Tags: Asset management, Benefits, Real estate, payroll solutions, National Bureau of Economic Research, disability insurance, disability, asset, agent, tax; White papers 2004-09-01
Health, Disability Insurance and Labor Force Participation: Over half a million men of working age left the labor market over the course of the 1990s. In this paper this remarkable decline is explored, and the roles played by the interaction of skills, long-term sickness and the disability benefit system are highlighted. The analysis shows that the decline...; Tags: Benefits, payroll solutions, Bank of England, disability insurance, health care, analysis; White papers 2004-08-10
Funding Disability Insurance: Company size most often determines the role CEOs play in designing and funding an income protection plan. For example, in a small business with five employees located in one central location, the CEO is more than likely the key decision maker whereas a CEO of a multi-national conglomeration with thousands...; Tags: Benefits, payroll solutions, UnumProvident, disability insurance, CEO, small business, worker; White papers 2004-06-01
How Progressive Is Social Security When Old Age and Disability Insurance Are Treated as a Whole?: For various reasons - including differences in life expectancy among groups and a benefit formula that progressively relates benefits to past earnings - Social Security can be said to "redistribute" lifetime income among different groups in the population. This paper builds on the discussion of progressivity in Straight Talk 37,...; Tags: Benefits, payroll solutions, Urban Institute, disability insurance, Social Security, benefit, security; White papers 2004-05-01
Disability Insurance Claim Management Services: Producers who traditionally have not sold disability income protection insurance are taking a second look at this essential coverage. What they've discovered is an exciting new approach that has evolved to include much more than just financial benefits for an insured who is injured or ill. Contemporary policies now offer...; Tags: Benefits, payroll solutions, disability insurance, financial; White papers 2003-03-01
The Welfare Implications of Increasing Disability Insurance Benefit Generosity: Disability status is increasingly used as a means for targeting resources in the United States. In 1999, 5.6 million disabled individuals and 1.6 million spouses and dependent children received a total of $4.2 billion in Disability Insurance DI benefits, representing over one-eighth of the Social Security budget for benefit payments....; Tags: Benefits, payroll solutions, National Bureau of Economic Research, disability insurance, Social Security, benefit, insurance, income; White papers 2002-09-01
Health Insurance Coverage and the Disability Insurance Application Decision: This paper investigates the effect of health insurance coverage on the decision of individuals to apply for Disability Insurance DI. Those who qualify for DI receive public insurance under Medicare, but only after a two-year waiting period. This raises concerns that many disabled are going uninsured while they wait for...; Tags: Benefits, payroll solutions, HEALTHCARE, National Bureau of Economic Research, disability insurance, health insurance, Medicare, health care, insurance, job; White papers 2002-09-01
How Disability Insurance Can Protect Business Interests: From the executive summary: ‘Owning a successful business requires a combination of careful nurturing and foresight. In today's competitive marketplace, it is particularly important for business owners to insure their most valuable assets-from equipment and materials to employees and revenue stream. Success relies on an investment in these elements, which...; Tags: Benefits, payroll solutions, Thomson Corp., disability insurance, benefit; White papers 2002-09-01
Supplemental Disability Insurance and Long-Term Care Insurance: Building a Comprehensive Executive Benefits Package: This article asserts that highly compensated executives typically have a strong appreciation of their special retirement planning needs given the severe limitations imposed on qualified retirement plans. The same is true with respect to their estate planning needs and the role life insurance plays in protecting their assets for their...; Tags: Financial Planning, Benefits, Aon Corp., long-term care, disability, disability insurance, insurance, life insurance, benefit, asset; White papers 2002-08-01
Employee Benefits-Insurance: Group health, dental, life and disability insurance coverage are available to employees working twenty (20) hours per week for more than five (5) consecutive months. Premiums and coverage information are described in detail in the Employee Benefits Handbook available in Human Resource Services HRS. Any questions should be directed to...; Tags: Benefits, payroll solutions, Boise State University, disability insurance, Human Resources, health care; White papers 1995-07-01