Robert Powell | USA TODAY Special The future for Medicare and Social Security may not be bright right now, but it’s especially bleak for the government’s disability insurance program. According to the Social Security Trustees report released last month, the Disability Insurance Trust Fund will run out of money in …

SHORT-TERM INCAPACITY The Short-Term Disability Plan provides you with continued income if you have a medically proven health problem and are unable to perform your duties. Cigna is our short term disability provider. There is a 7 day waiting period for benefit eligibility and the employee must use up their …

By Robert Di Giacomo, Next avenue Donor Insurance is all about planning for the “what ifs”, protecting you and your loved ones against worst-case scenarios. As you age, these coverage decisions become more complex – and costly – so you can anticipate the possibility that you may be unable to …