young African American lawyer with disabilities in wheelchair smiling thoughtfully out the window

Lawyers With Disabilities Battle More Than We Think

May 24, 2018
, , , , , , Long Term Disability

Think about it. When was the last time you saw a lawyer with a disability? And no, Netflix’s legally-blind Daredevil “Matt Murdock,” doesn’t count.

For years it has been touted that prior to the age of retirement, one out of every four working-age Americans will become diagnosed with a Long-Term Disability at some point in their career. So, if that is true, how is it that there are so few lawyers with disabilities?

Not All Disabilities Are Visible

When we initially think of a disability, our mind immediately tends to gravitate towards those in wheelchairs or walking with a cane, but there are a number of disabilities that are invisible to the eye but can be every bit as difficult to manage.

According to the 1994-1995 Survey of Income and Program Participation (SIPP) roughly 1 out of every 10 Americans is recorded as having a severe disability— in today’s numbers, that translates to 32.57 million people. In the nineties it was found that out of those 1 in 10 Americans with disabilities over 74% of them did not use any assistive devices making their disability invisible to strangers.

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Woman holding up map pointing to destination while in passenger seat of traveling car along the coast

Top 2018 Travel Destinations For The Family

May 10, 2018
, , , , , , , , , , , , , , , , , Travel

Summer is just around the corner and there is no time like the present to start planning your annual family vacation. After a grueling winter that just didn’t seem to want to go away, we are beginning to see the light at the end of the tunnel with warmer days, less rain, and the winding down of the school year. Yes, summer is the perfect time of year to get in some hard-won quality time with the family.

It may come as a surprise that many of this year’s hottest travel destinations are also kid-friendly. But where should you go?

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mother with breast cancer smiling and hugging her young daughter

What You Should Know: Home Breast Cancer DNA Tests

April 19, 2018
, , , , , , Health Insurance

In March of this year, ancestry DNA testing giant, 23andMe, announced that they would begin testing user DNA for Breast Cancer genes, more specifically identified as the BRCA1 and BRCA2 genes. While technically able to test for these genes for years, it wasn’t until this past March that the FDA officially signed off on it, therefore, making the 23andMe at-home DNA test, the first FDA-approved direct-to-consumer test to evaluate one’s potential risk for cancer.

What Can Your DNA Reveal

The test is offered as an add-on to 23andMe’s standard ancestry report for a total of $199 and is delivered alongside a variety of other reports designed to tell you if you possess certain genetic markers which may suggest a predisposition to things such as:

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man diagnosed with long term disability contemplating future

5 Most Common Long-Term Disability Claims

April 5, 2018
, , , Long Term Disability

According to the Council for Disability Awareness, it is estimated that one out of every four Americans will find themselves diagnosed with a disability prior to retiring at the age of 65. Additional studies show that less than half of individuals and families have enough money saved to sustain their living expenses for even one month before feeling the financial strain— illustrating that a long-term disability diagnosis can not just be devastating for the individual but also financially devastating for their entire family.

In short, no one plans to become disabled. And yet, it can happen to anyone at any time and the chances of it happening only increase with age, lifestyle choices, and even the type of work we do on a daily basis.

Popular Long-Term Disability Claims

But while the majority of people may imagine someone who struggles with a long-term disability as wheelchair bound, the fact of the matter is that long-term disabilities can manifest in a host of different ways— some visible, some not.

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Daughter worrying about mothers long-term care needs

How To Know When A Loved One Needs Long-Term Care

March 22, 2018
, , , , , Long-term Care Insurance

Studies show that roughly 70 percent of individuals aged 65 or older will require long-term care at some point.

But determining just when a loved one may need long-term care can be difficult both mentally as well as emotionally. To help make things easier, here are some key factors to look for when determining if your loved one could benefit from long-term care:

  1. Recent Accidents

Accidents and medical scares are a key indicator that your loved one may need additional help. Falls, fender-benders or car accidents, mismanaging prescriptions can all be scary and stressful for loved ones, caregivers, and everyone involved.

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Group of young professions working at a white board calculating effects of group health insurance for their business

How To Find The Best Group Health Plan For Your Business

February 22, 2018
, , , , Employer Group

The Group Health Insurance industry continues to change with premiums continuing to rise. You have probably changed insurance carrier’s multiple times hoping to secure for the deal of the year.

So, the question is: Is that all there is? Change carriers and tweak my benefits?

What To Consider In Your Group Health Plan Decision

Not all Group Health Insurance plans are the same and one of the largest problems we come across in the industry is that so few companies are aware of all of their options. Most of the time, the reason behind this is because businesses are often dependent upon their insurance agent to present them with their group health options. In doing so, it is important for businesses to note and understand that like the differing group health plans on the market, not all agents are alike. Agents often differ greatly in regard to their level of experience and general knowledge pertaining to new and emerging trends in the industry.

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Millennials with tech devices in front of them on a blue bench

Myopia and Millennials: The Trend No One Saw Coming

February 16, 2018
, , , , , , Dental Insurance, Vision Insurance

According to a Nielson Company audience report, it is estimated that the average American spends over 10 hours behind a screen consuming digital media and content. But is this much screen time actually helping us or hurting us?

As it happens, a number of studies have recently come out against the rapid increase in screen time for everyone from toddlers to senior citizens. In fact, some of these studies have shown a correlation between increased screen time and the following:

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