Business Coverage
Protect Your Income: Disability Insurance
Disabilities happen every day. According to the Disability Status Report published in 2010 by Cornell University, 40.4% of Americans between the age of 21 and 64 with a disability are unemployed. While these are not things we like to hear and talk about, these are numbers we cannot and should not ignore. Many people believe that Social Security or Workers’ Compensation will help them if they’re disabled. Unfortunately, Social Security disability benefits are limited. Read more »
Borrowing Money from Your 401(k) Plan
If you have a 401(k) plan, you might be tempted to borrow money from it. Keep in mind that the purpose of a 401(k) is to save for retirement. Take money out now, and you’ll risk running out of money during retirement. Still, if you’re facing a financial emergency, borrowing money from your 401(k) may be an option. Read more »
Decision Driving
Decision driving tips can sharpen your skills behind the wheel. You may never have had a collision, or received a citation for speeding, or even paid a parking ticket. But no matter how well you drive, it always helps to keep in mind a few pointers that will help keep your record clean and your safety intact. Read more »
What You Need to Know—About the Changing Standard of Care
The AIA Trust has just released a new white paper on a topic of vital interest to AIA Members—the evolving standard of care. The standard of care is the prevailing benchmark of professional practice in architecture and design and the threshold of protection under professional liability insurance. The design professional’s standard of care is generally based on the performance of others characterized as the “reasonable,” “ordinary,” or “average” design professional, and not on internal or personal capabilities. However, what happens when no one has undertaken the contemplated action before? Read more »