There’s a substantial gap between people who believe they need disability insurance and those who actually have it. What’s concerning is the likelihood that employed adults will need disability insurance at some point in their lives.
We have relied on communications during open enrollment to educate employees about the value of disability coverage, but what we often find is that employees steer clear of benefits they don’t want to need. They also may simply be overwhelmed by the number of choices they need to make, or may not review their benefits at all and just keep the selections they made the previous years.
