HeyJaredIncome Protection Journal Podcast
Income Protection Journal Podcast: Latest on Disability Insurance, Life Insurance & Long-Term Care Insurance with host Jamie Fleischner, CLU, ChFC, LUTCF
- Indexed episodes, last 90 days
- 6
- Latest publication
- Sep 16, 2026
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- Earliest in this view
- Jul 16, 2026
Latest episodes
Benefits Stop When Definition of Own Occupation Becomes Any Occupation [Podcast] (opens the original)
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For an attorney relying on a law firm’s group disability plan, coverage for the exact same injury can play out two completely different ways depending on how long the disability has lasted. Most group long-term disability policies define disability one way for the first two years of coverage, and a different way after that. For those first 24 months, you qualify as disabled if you cannot perform the material and substantial duties of your own occupation. After 24 months, the definition typically
Pre-Existing Conditions in Group LTD Coverage [Podcast] (opens the original)
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Michelle L. Roberts has represented disability claimants since 2005. She explains what a new employer's group plan does with a condition you already have.
Executive Disability Coverage Blind Spots with Grayson Owen [Podcast] (opens the original)
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An owner who runs a practice or a company as an S corporation pays themselves a modest base salary, takes the rest of the year's profit as a K-1 distribution, then enrolls in the group long-term disability plan and treats the income question as settled. Most group disability plans never saw that distribution, because they define covered earnings as W-2 wages and stop there. Under that definition, the largest number on the owner's tax return was never insured. Grayson Owen has spent more than 12
Did You Know More People Insure Their Cars Than Themselves? [Podcast] (opens the original)
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Alkeme Insurance EVP John DePinto, 30 years on the property and casualty side, on the one policy the state, your bank and your job never make you buy.
What Your Employer Disability Coverage Actually Pays, Explained by the Actuary Who Priced It (opens the original)
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An employee signs up for disability coverage during open enrollment, checks the box, and assumes the benefit will stand in for a paycheck if illness or an accident ever stops the income. It does step in, but the check that arrives replaces less than half of what the household was taking home, once the formula, the cap, and the tax treatment all land. Most people never learn that math until they are already on claim, which is the worst possible moment to discover it. I hear that assumption in alm
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