by Bob Ruff
Mr. Ruff is senior vice president of Growth Solutions with Aflac. He is responsible for the development and execution of key growth initiatives for Aflac U.S., including product development, enrollment, business development and market development. Visit
From missing work to missing friends and family, workers across the globe have spent the last year dealing with the pandemic’s health and social ramifications. Though the U.S. thankfully is on a positive path forward with broader vaccination availability, Americans are still rightfully wondering how they can best protect their finances from similar potential issues in the future.
Perhaps for that reason, a recent LIMRA report found that in light of the pandemic, 25% of employers view short-term disability insurance as more important, and 22% view long-term disability insurance as more important. Despite this growth in popularity, two-thirds of the private sector still does not offer long-term disability insurance whatsoever.
As client demand for disability coverage increases in line with employees’ preferences – and as employers pursue other solutions and offerings like absence management or value-added services – it’s up to brokers and consultants to ensure their partners are offering the best options.
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