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- 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...
- White papers 2005-07-01
- 7 Insurance Myths That Can Cost You
- Think you're covered? Maybe not. Read these insurance misconceptions and be sure you have the right protection. 1. My Job’s Disability Insurance Will Cover Me You may believe that after an accident or illness your lost income will be covered through...
- Articles 2009-09-30
- 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...
- White papers 2004-06-01
- 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...
- White papers 2005-04-01
- 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...
- White papers 2002-08-01
- 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...
- White papers 2003-03-01
- Disability Insurance
- One of the most common causes of income loss is through a disability. While most disabilities cause only temporary loss of income, any income loss can be devastating if you are not financially prepared. This tool helps you determine how much disability insurance you may need to cover expenses during...
- Tools & templates 2008-01-01
- 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...
- White papers
- 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...
- White papers 2004-09-01
Additional Resources
- The Reallocation of Compensation in Response to Health Insurance Premium Increases
- This paper examines how workers change their compensation package in response to changing health insurance premiums. To the extent that workers do not completely substitute away from rising premiums, we are particularly interested in whether employees finance health insurance by reducing current income essentially wages or other benefits (life insurance,...
- White papers 2003-03-01
- Business Finance: Back-to-Work Breakthrough
- Integrated disability management helps companies reduce overall disability costs and return employees to the workplace quickly. To handle disability costs and injured employees back to work faster, a growing number of companies have embraced integrated disability management. This benefits-management strategy coordinates the administration of workers' compensation, long-term disability, short-term disability,...
- White papers 2000-04-01
- The Five Dangers of Parental Leave
- Leaving work to care for a new child can complicate your career. Here's how to avoid common problems. Danger: Turning into Baby Central Neutralizer: Keep kid-centric chatter to a minimum It's natural for you to be excited about a new baby or a...
- Articles 2007-05-29
- Fitch Publishes New Ratings Methodology for Insurance-Linked Securities
- CHICAGO & LONDON -- Fitch Ratings has published its methodology for rating insurance linked securities ILS. This methodology represents the final version of a methodology first published as an exposure draft. ILS are structured finance transactions that involve insurance risk, and include a variety of life and non-life risks,...
- Research articles 2008-02-11
- Credit Life Insurance Premium Overcharging Litigation
- Most credit life policies are "decreasing" or "declining term" in nature; that is, the insurer is obliged to pay an increasingly smaller benefit to the retailer as the purchaser's balance decreases. Once all payments have been made, coverage is terminated. The credit life insurance premium is sometimes itself financed and...
- White papers 2002-05-30
- Strength in Numbers;Acquisition helps insurer bulk up its auto business.(Protective Life)(Brief Article)(Interview)(Statistical Data Included)
- Insurer Protective Life Corp. in Birmingham, Ala., is expanding its auto-related insurance business. It ac-quired Lyndon Insurance Group in January from Frontier Insurance Group Inc. of Rock Hill, N.Y., for $163.5 million. Protective Life already owned Western Diversified, another well-known brand it acquired...
- Research articles 2000-03-27
- VEBAs Limited In Senate Panel's Tax Bill.(Brief Article)
- The Senate Finance Committee unanimously approved tax legislation with both negative and positive provisions for the life insurance industry. On the negative side, the legislation would limit the use of Voluntary Employer Benefit Associations to fund certain employee benefits. Under...
- Research articles 1999-10-25
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