Rhodes-Warden Insurance Blog

Here are the top misperceptions employees have about disability, according to The Council for Disability Awareness: — It’s not going to happen to me. A disabling accident occurs every two seconds in the United States, yet nine out of 10 workers dramatically underestimate their chances of becoming…

What would your employees do if they became injured or ill and couldn’t work for an extended period of time? — By the time people reach age 35, they have a one in three chance of being disabled for more than 90 days during the rest of their working life, according to the Health Insurance…

Accidents can happen in an instant, but the consequences can last a lifetime. Accidental death and dismemberment (AD&D) insurance gives your employees added financial security in sudden and tragic circumstances. AD&D insurance can be a valuable and low-cost addition to your current benefits package…

ERISA, the Employee Retirement Income Security Act, governs any “employee welfare benefit plan” that is “established or maintained by an employer” for the purpose of providing benefits to the plan’s participants and their beneficiaries. This includes some, but not all, voluntary plans, despite the…

People who are obese are 42% more like to require medical care than normal weight people as found by the U.S. Centers for Disease Control. And the problem is getting worse: Two-thirds of adults are now either overweight or obese. Childhood obesity rates have nearly tripled since 1980, from 6.5…

Small businesses might be missing an opportunity to enhance their benefit programs and employee loyalty! — In a 2009 survey by the nonprofit International Foundation of Employee Benefit Plans, 84 percent of employers responding said they offered some type of voluntary benefit. An additional 5…