disability insurance

Nobody likes to go to the doctor, especially when they aren't sick. But preventative healthcare is a huge piece of the long, healthy, and happy life puzzle. Annual wellness exams often include a general screening, vitals check, labs, and maintenance for chronic health conditions. In fact, it isn't uncommon that these annual exams identify early-stage diseases like cancer, concerning blood pressure and cholesterol levels, thyroid dysfunction, and a host of other common deficiencies and abnormalities. And, since the Affordable Care Act (ACA) mandated 100 percent coverage for preventative care, there's no excuse for missing your annual physical.
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According to the World Health Organization, falls are the second leading cause of accidental injury deaths worldwide. Falling disproportionately impacts adults age 65 and older, and can lead to serious injury, further health problems, decreased quality of life, and a loss of independence.
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Written about frequently in medical journals, Alzheimer's disease is one that's been widely studied, but is still an anomaly to many scientists. Since, June is Alzheimer's Awareness Month, it's a good time to look at what we do know, along with things one can do to prevent it.

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Millions of Americans need ongoing treatment for chronic pain. Despite recent headlines shouting about the over-prescription of opioids, many studies show that chronic pain is often underdiagnosed and under-treated. September is Chronic Pain Awareness Month, which means that organizations and individuals are working together to raise awareness about the realities of living with chronic pain and to advocate for more effective diagnosis and treatment.
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Everyone is entitled to a safe and healthy work environment: your employer is required by law to provide a safe workplace, adequate training in a language you understand, and appropriate safety equipment, among other things. If you are injured on the job or have a safety concern, it's your right to file a report and to be free from retaliation by your employer for speaking up. Read on to find out all about OSHA and how to exercise your right to health and safety at work.
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Did you know that heart disease is the number one killer of both men and women in the United States? Yet few people take the time to understand their own personal risk factors and take the steps necessary to reduce them. In honor of Valentine's Day, let's talk heart!
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A study published just last month explains that it isn't merely a lack of physical exercise that leads to poor cardiovascular health. It turns out that the very act of sitting is also hard on the heart, even in a person who exercises.
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Business owners can reap significant financial rewards by fostering a culture of health among employees at their workplaces. A recent study of PPG Industries, a large, Pennsylvania-based company founded in 1883, was published in the Journal of Occupational and Environmental Medicine. The study showed that employee health costs were reduced after the company implemented a program designed to inspire employees to become actively involved improving their health. The company adopted new policies and created an environment that was tailored to encouraging employees' positive health behaviors. Particular emphasis was placed on prevention and modification of risk factors for cardiovascular disease. Even if your business is a fraction of the size of PPG Industries, you might consider echoing their effort to create a culture of health among your employees. Who knows, you could save more than money; you may even save (or at least enhance) a few lives!
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Disability Insurance is designed to reimburse lost wages in the event of a disabling accident or illness. Different policies have different stipulations but nearly all require a waiting period before disability payments begin and will reimburse for a pre-defined percentage of your income, generally 45% - 60%. There are two broad categories, Long Term Disability (LTD) and Short Term Disability (STD). Premiums and waiting periods will differ between the two types along short term and long term category lines.

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