How to be prepared when financial disaster strikes.

UW Professor J. Michael Collins
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Emergency Savings and Financial Well-Being: Q&A with Financial Expert J. Michael Collins

Emergency savings give people peace of mind—or what we like to call “financial well-being,” which is really defined as being subjectively OK with where you are. A big component of that is not worrying about stuff, being resilient to extra expenses, feeling in control. If you don’t feel like you can set [financial] goals and reach them, it makes you feel less financially well. That has negative side effects for people’s physical and mental health.

Man in wheelchair researching Social Security disability
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How Does Social Security Disability Insurance Work?

It’s not something most of us think about on a daily basis, but injury and illness prevent millions of Americans from earning an income each year. In fact, according to the Social Security Administration (SSA) a little more than 1 in 4 of today’s 20-year-olds will become disabled before reaching retirement. While Social Security benefits […]

Comparing short-term disability insurance: Aflac vs. SafetyNet
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Short-Term Disability Insurance Comparison: SafetyNet™ Vs. Aflac

Disability is a personal matter, with circumstances that are unique to each of us. Your short-term disability insurance should be, too. When comparing options for short-term disability insurance, the more you know about your own challenges and preferences, the better able you will be to choose the option that’s right for you. Both SafetyNet™ and […]

Prevent work related injuries
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Income Loss from Work-Related Injury Is a Costly Problem

When you think of on-the-job injuries, some trades probably come to mind: construction, manufacturing, nursing, trucking. The fact is, the risk of work-related injury and illness span every industry, and their consequences are expensive and complex. In 2015, U.S. employers reported 104 cases of nonfatal occupational illness or injury per every 10,000 full-time employees, many […]

How SafetyNet Insurance Works: A new kind of unemployment insurance
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How SafetyNet™ Works: A New Kind of Income-Loss Insurance

“Peace of Mind, Plain and Simple” According to a Federal Reserve report released last May, 46% of American’s surveyed said they did not have enough savings on hand to pay an unexpected $400 expense. Should they find themselves out of a job, a recent Bankrate Money Pulse survey suggested more than a third of those […]

Emergency funds piggy bank
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How Much Emergency Savings Do You Need? Quick: Name Your Top 5 Monthly Expenses

Think of the last time you got that unexpected bill: the $500 car repair, a heart-skipping co-pay, a downed tree from a storm. How did you manage? If you’re like 63% of Americans, you didn’t have the money in savings for this unexpected expense. It’s likely your credit card took (and might still be taking) […]