Costs incurred include lost earnings, and direct, out-of-pocket expenses.

Mortality rates deteriorate with renewals.

New drugs are available for early-onset Alzheimer’s, psoriasis, migraine and ADHD.

They tend to experience more financial risks than employees.

Employee mental health remains a concern.

Disability insurance is crucial for those affected by this condition.

It is estimated that at least nine per cent of overall prescription spending in many group plans can be attributed to th…