Wallace Welch and Willingham provides Personal Health Insurance nationwide to families and individuals who are self-employed. Contact Us for a Personal Health Insurance Quote.

Apply for short term coverage:

Disability insurance is probably one of the most misunderstood employee benefits.  At the same time it is one of the most important because a lack of coverage could lead to a financial disaster from which an employee may never fully recover. 

Some important facts to consider:

• The average disability absence is two and a half years.
• Disabling injuries and illnesses account for 55% of employee absences.
• Three out of ten workers between the ages of 25 and 65 will experience an accident or illness that will keep them out of work for three months or more.
• About one in seven people can expect to be disabled for five years or more before retirement.
• Over 90% of disabling accidents and illnesses are not work related, and therefore are not covered by workers’ compensation.
• More than one in five adults believe that unemployment or Social Security will take care of them if they become disabled.
• Less than half (39%) of the 2.1 million workers who applied for SSDI benefits were approved in 2005.
• The average monthly Social Security Disability Insurance (SSDI) benefit is only $978.
• More than 70% of the private sector workforce has no long-term disability insurance.
• Disability causes nearly 50% of all mortgage foreclosures, compared to 2% caused by death.

It is obvious that most Americans are not prepared for the financial hardships caused by disability.  Let our broker/consultants help design an affordable short-term and/or long-term disability plan that will provide the necessary income protection for your employees.  They can also show you how to protect disability benefits from income taxes. Furthermore, insurance premiums can be paid by the employer, entirely by the employee, or they can be shared. Call us today for more information.

*Source for above facts is the Council for Disability Awareness.

Apply for Dental Insurance:

Dental insurance continues to be one of the most requested and appreciated employee benefits. In the past, it was frequently thought that dental care was primarily for aesthetic reasons. Numerous studies have now linked good dental health to overall health. For example, a Dental Longitudinal Study by the department of Veteran Affairs indicated that three serious health risks were linked to gum disease: heart disease, pancreatic cancer, and premature births. Another recent study by Aetna and the Columbia University College of Dental Medicine indicated that appropriate and early periodontal treatment reduces the total cost of care for three chronic conditions: diabetes, strokes and coronary artery disease.

Unfortunately, as dental care and procedures have improved over the years, the cost of care has also increased.  Consequently, good dental insurance makes more sense than ever for most employees.

• It is a convenient way to finance dental expenses.
• Provider discounts in carrier networks represent a significant savings.
• Employee contributions can be made on a pre-tax basis to further increase savings. 
• Let one of our broker/consultants design a dental plan for your employees that will fit your budget.  Insurance premiums can be paid by the employer, entirely by the employee, or shared. We represent all the major dental carriers, or we will help you design a self-funded dental plan.  Call us today for more information.

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