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The Rough Notes Company Inc.

Benefits & Financial Services

MISSING WORK TO PROVIDE ONGOING CARE FOR AN ADULT

Benefits Products & Services MISSING WORK TO PROVIDE ONGOING CARE FOR AN ADULT How can an employer’s leave-of-absence policy respond? Sometimes an employee must be away from the workplace for reasons that fall outside the traditional leave situations. Unum, a leading provider of group disability insurance and leave management services, recently released a study that provides insights into one such situation: an employee who misses work on an ongoing basis

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    HOSPITAL INDEMNITY HAS UPSIDE POTENTIAL

HOSPITAL INDEMNITY HAS UPSIDE POTENTIAL

HOSPITAL INDEMNITY HAS UPSIDE POTENTIAL Accident and critical illness carriers add HI to their mix Sales of hospital indemnity (HI) insurance are growing, riding the coattails of other supplemental health products in the voluntary market, particularly accident and critical illness (CI). Sales of all supplemental health products are driven largely by the need for employees to fill gaps created by higher deductibles and copays in their major medical coverage. According

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Financial wellness interest grows

Benefits Products & Services Financial wellness interest grows MetLife partnership with EY helps strengthen “human connection” Since the firestorm of the financial crisis a decade ago, employers have been gradually providing employees with more financial management help as part of their benefit plans. Initially, coming out of the recession, this help centered on retirement plans—boosting employee contributions by educating staff members and enrolling them automatically; and adding investment tools, such

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    DISABILITY INSURANCE IN A CHANGING WORKPLACE

DISABILITY INSURANCE IN A CHANGING WORKPLACE

Coverage plays an important role in contemporary employees’ financial security Employers are facing a whirlwind of change in the post-recession economy. Employment is booming and competition for quality workers is on the rise, as employers hunt for skilled staff members to implement new technology. And the workers themselves are changing. Same-sex marriages, blended families and non-binary relationships are changing the definitions of family. But no matter how their families are

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    DISABILITY INSURANCE: WHEN THE “WHY” GETS PERSONAL

DISABILITY INSURANCE: WHEN THE “WHY” GETS PERSONAL

The reason consumers should buy disability income protection is the same reason agents should sell it As statistics will reveal, it happens all too often: an unexpected illness or injury occurs and the income we live off—the money that pays our mortgage or rent, that buys our food, and that goes to other expenses—disappears. And it doesn’t really make too much difference if the disability lasts a month or goes

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