Disability insurance

Only 30% of workers are covered, despite the demonstrable need to protect income.

Brokers should pay attention to expanded feature offerings when recommending a carrier for STD coverage.

Commentary: Advisers focused on life insurance and financial planning are missing an opportunity to stand out by introducing DI into the discussion.

Commentary: Many employers are struggling to get employees to enroll in voluntary programs; busy workers often don’t take the time to understand what’s being offered.

Some employers may think a grandiose set-up is required for an onsite clinic – with X-ray machines, pharmacies and a gaggle of physicians – but they really can be quite simple to set up and maintain.

When addressing group disability coverage, brokers should speak of real-life situations to convey the importance of such plans.

Employers more than ever are seeking innovative solutions for health care cost containment from their benefit advisers, and one industry expert says emerging strategies to help brokers thrive in the coming decade should include voluntary benefit sales and plan integration.

Sun Life Financial Inc., Canada’s third-largest life insurer, has agreed to buy the employee-benefits business of Assurant Inc. to further expand its presence in the U.S.

Commentary: Many brokers underestimate the impact a comprehensive disability management philosophy can have on the total cost of an employee benefits program.

Commentary: Reinforcing a simple three-step approach can help your clients connect employees working through a mental health condition with the assistance they need.