Category Archives: Disability Insurance

Congratulations Grads! Welcome to the Real World

graduates tossing caps into the air | Kemner Iott Benz

After years of hard work, you’ve finally received your diploma.  Soon you’ll be faced with many new and exciting life changes involving work, money, living spaces, and possessions. But with all the excitement, have you thought about insurance?

There are five basic insurance tips every new graduate should consider:

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Protect Your Workers with Workers’ Compensation Coverage

work place safety word cloud | Kemner Iott Benz

Michigan law requires that every employer subject to the Workers’ Disability Compensation Act provide assurances that it can pay benefits to its workers if they’re injured. Most employers in Michigan provide this security by purchasing workers’ compensation insurance from a private insurance company. The insurance company then reports to the bureau that it’s providing coverage for that employer; however, some employers are “self-insured.”

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Protect Your Business and Your Income with Business Disability Insurance

Disability Insurance Document with Glasses | Kemner-Iott Agency

Suffering a debilitating illness or injury is something that none of us like to think about. However, it’s important that we do—and with May being Disability Insurance Awareness Month now is the ideal time to take action to protect your income in the event that you can no longer work.  If you own a business, protecting your income-earning ability has even greater urgency because, to an unprepared business owner, an illness or accident resulting in disability can be devastating to your life and business.

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