The CDC released a report last year that included the top three causes of disability claims, and statistics of how likely a person of each age group will be affected. Read more to learn what sort of risks your employees, as well as yourself could be affected by.
Also, last year we published a two-part article discussing Long Term Disability.
Part One
Part Two
Did you know ISM Group Long Term Disability (IS/IT Trust) has numerous resources that will both educate employees of their benefits and their risks? Best of all, ISM has creative insurance solutions for all sizes of private-independent schools. Contact us. We are more than happy to learn of your school's challenges, and then share with you our creative solutions. Even if you think your school's budget can't support offering employee benefits, let alone LTD coverage, we bet we find something that works for your situation!
Contact ISM Insurance, Inc. President Martin Kelly 302-656-4944 for more information. Mention Private School News when you call!
Health Tip: Get A Full Night's Sleep!
Sleepiness can hurt you. We all skimp on our sleeping hours from time to time. Rather working late on a presentation, attending an event that runs long, too excited about the next day, or sometimes even from depression, there are nights we simply go without a full seven to eight hours of sleep.
An occasional sleepless night is not going to harm anyone. However, too many sleepless days can add up to a sleep debt. (Click here to read how sleep debt affects teens.) Your body can't adjust to less sleep (despite popular belief) and over time can be dangerous—leading to more workplace accidents.
The National Sleep Foundation's 2009 Sleep in America poll found that 20% of respondents reported they average less than six hours per night. In 2001, 13% of respondents reported averaging less.
If you're getting less sleep than you need, your thinking, work performance, and reaction time will become impaired. Sleep debt can also lead to headaches, crankiness, depression, and lethargy.
Don't let your insomnia ruin your days. Here are 10 tips for a better night's rest from the Mayo Clinic. And, of course, if all else fails, contact your family physician for additional options and suggestions.
