But if you have a product or agency that was created to manage private and sensitive data, it is incumbent on YOU to create processes and tools to help users handle that information properly.

White collar work is also more likely to lead to burn-out and mental health disability, which leads to longer and more expensive claims than many physical injuries. 

Let’s be real: Insurance isn’t there to protect you. It's is a financial product made to maximize shareholder value.

Did you know that your spouse needs to sign off if you designate anyone else as your life insurance beneficiary? Because if you croak, life insurance doesn’t want to get in the middle of your family drama. 

Since employer group plans need to offer the same coverage to everyone, employer-sponsored plans are sometimes the only way that people with serious or chronic health conditions can get any disability or life insurance at all. 

West Hollywood has two types of protected leave, each of which follows its own accrual schedule: Uncompensated Leave (what’s the point?) where you can take unpaid time off without getting fired; Compensated Leave that you can take for whatever reason you damned well please. Compensated Leave (CL) can fall under your combined/vacation policy, but it accrues much faster and has a higher limit than state sick time.  Which means that people can accrue up to 4.8 weeks of time off

To state the obvious: When you mess with people’s rights, sh*t gets real. And there are IRL consequences when you get the balance wrong.

Most states have regulations that fall into a few easy categories: Do you protect 12 weeks of leave, even if the company isn’t covered by FMLA? Do you have a state-paid program?