Profile cover photo
Profile photo
DiGiacomo & Associates Insurance
7 followers -
Built on Trust, Preserved by Integrity
Built on Trust, Preserved by Integrity

7 followers
About
Posts

Post has attachment
We’re sure you’ve heard it all before, but it never hurts to mention the following few reminders as we enter these snowy winter months.

http://www.digiacomoandassociates.com/373-2-snow/

Post has attachment
Pizzeria owners will save time by anticipating these 3 questions before they begin shopping for a new business owners insurance carrier.

http://www.digiacomoandassociates.com/top-3-questions-pizzeria-insurance/

Post has attachment
Poor health and its affect on productivity costs the U.S. economy $576 billion per year, according to the Integrated Benefits Institute. Employers who focus on high employee productivity expectations and the overall bottom line are embracing changes in the disability insurance benefits arena.
#DisabilityAwarenessMonth #SmallBusiness

Post has attachment
Disability and the ensuing loss of income has huge fi http://ow.ly/4nvFxW nancial implications that few are prepared for.
Without the ability to obtain a steady income, workers may fall behind on payments.
In fact, about 77 percent of consumers said they would not be able to pay their bills for more than a year if they suffered a loss of income, according to the Council for Disability Awareness.
However, the time those who are disabled are out of work is often more than two years, according to the CDA.

#DisabilityAwarenessMonth http://ow.ly/4nvFwu

Post has attachment
Many people, even those who know disability insurance is a great idea, don’t know what to expect from disability insurance rates.
That’s largely because it’s not easy to simply throw out a number. Rates very person-to-person, depending age, income, occupation, and whether or not you smoke.
There are a few factors that influence your disability insurance rates.
#DisabilityAwarenessMonth

Post has attachment
Generally speaking, if your employer pays for your disability insurance policy, your disability benefits are taxable.
#DisabilityAwarenessMonth

Post has attachment
Most Disabilities Aren’t Covered by Workers’ Comp
The first thing to remember is that not all employers are required to carry workers’ comp insurance.
Some exceptions include those for small employers, agricultural employers, and those who employ in-home service workers.
Beyond that, there is often a false sense of security from the assumption that many, or even most, disabilities would likely be on-the-job injuries that would simply be covered by workers’ comp.
But most disabilities aren’t caused by injury.
More often, they’re caused by illness.
#DisabilityAwarenessMonth

Post has attachment
Many people ask which they need, short-term vs, long-term disability insurance.
That’s not the best way to think about it. It’s not an either/or proposition.
Instead, the question you should be asking is how your short-term and long-term disability policies work together.
#DisabilityAwarenessMonth

Post has attachment
The ability to earn a living—our income—is the most valuable asset we have, and protecting that asset is increasingly important. Small employers can play a significant role in helping their employees insure against some very real risks to their financial stability.
#SmallBusiness #EmployerBenefits #SmallEmployer #DisabilityAwarenessMonth

Post has attachment
If you are newly disabled and unable to work, you probably have a lot on your plate. But if you anticipate your disability lasting awhile, it’s a good idea to get your long-term disability claim started right away.
#DisabilityAwarenessMonth
Wait while more posts are being loaded