Once a year most companies that provide group benefits have a period called “Open Enrollment. “ This is a brief time when you can change your benefit options with limited medical underwriting. For example if you previously elected not to have Group Long Term Disability Insurance you now have another chance to […]
Open Enrollment – An important time of the year. Read More »
I recently wrote an article for our newsletter that may alarm you. Many people who earn large salaries and have a Group Long Term Disability Plan think they will have 60% of their earnings replaced by that plan when they are disabled. The reality is you may have less than 30%. Here is the article.
Making over $75,000 and have Group Long Term Disability? May not be enough. Read on. . . Read More »
Beware of your Employer Group Long Term Disability! I always enjoyed math, but this is scary. Many employees rely on their employer’s Long Term Disability Plan to provide income for their family if they become disabled. Thankfully many companies offer this valuable benefit. However, if you make over $75,000 a year, be sure to read
When is 60% only 30%? Read More »
Spencer Insurance Agency, Inc., an independent insurance agency, provides life insurance, disability insurance, auto insurance, home insurance, business insurance, and umbrella coverage.
