Do You Need Disability Insurance?

As a self-employed resume writer, disability insurance can be an important component in your financial security. There have been numerous resume writers who could have suffered health challenges that have kept them from writing resumes. There have been resume writers who have had strokes, fought cancer, and had heart attacks. Without disability insurance, your income may suffer.

In the event that you are injured or become ill and cannot work, disability insurance will give you peace of mind -- you will still able to provide for your family. (This is particularly important if you are your family's sole provider.) While we would like to think that we will always been in good health, accidents do happen and you need to be sure that you have every angle covered. If you become ill or injured -- and, as a result you are unable to return to work -- there are a couple of options that will replace lost income. These types of disability insurance are not going to fully replace your income because they want you to have an incentive for returning back to work once you get well.

Social Security benefits are paid to you when your disability is expected to last for at least 12 months. Most of the time this is when no gainful employment can occur and you must remain out of work for the entire duration of your leave. You can also purchase private disability insurance.

When you are looking at disability insurance policies, it is important to understand what they mean. While the two available policies are both for disability, they both cover a different amount of time you will be covered, and when you will start receiving your compensation.

A short-term disability policy means that you will be covered for no longer than two years. With this policy, you may have to wait up to 14 days before you start receiving compensation. A long-term disability policy is a little different. The disability compensation will not kick in for several weeks, sometimes a couple of months. However, long-term disability will cover you for a longer period of time -- sometimes for the rest of your life.

Along with having the two different types of insurance policies, there are also two different protection features. Protection is offered to you to ensure that you are not going to be treated unfairly due to your inability to work. Non-cancelable means that unless you don't pay your premiums, your policy can't be canceled. With this type of policy you will lock in your premium and will not risk a decrease in the benefits. On the other hand, a guaranteed renewable policy means that the same benefits will be available every year. The only way that your premium will be increased is if every policyholder within the same rating class as yourself increases also.

While there are many options when choosing disability insurance as well, these are the most popular selections. It is important to discuss all available options when choosing a disability insurance policy to ensure that you know what you will receive in the event of an accident or illness. Research your options to find the best choice for you and your family.

New Twist for Job-Seeking Clients: Social Media Background Check

Every once in a while, I'd have a client who was having success getting interviews (even second interviews), but wasn't getting the job. After investigating to see if the problem was how he or she interviewed, sometimes it was clear that something was sabotaging the process between the interview and the offer ... and sometimes that was a bad reference.

Usually, the way we found out about this was to use a reference-checking service. The client would engage the firm, and the firm would call the client's references and pretend to be a prospective employer verifying information. 

The results were sometimes shocking -- the former boss who promised a great recommendation started out by praising my client, but made several backhanded comments that would put doubts in the mind of any prospective employer. Almost as bad were references who had promised to vouch for the candidate, but when asked, wouldn't give information beyond "name, rank, and serial number" (understandable if the company policy prohibited providing more than that information ... but telling the former employee one thing and then doing another isn't helpful...).

Now, our clients have to be concerned about social media background checks. Now, any resume writer worth his or her salt tells their clients "What happens on the Internet DOES NOT stay on the Internet" -- but every day on Facebook, I still see things that make me cringe. 

Even if you have your privacy settings locked down, the background checks will still find stuff... you're probably not as protected as you think you are.

For an introduction to the social media background check, read this article on Gizmodo. It's eye-opening stuff ... but with some good hints to pass along to our clients.

First of all, the author notes that these checks screen for just a handful of things: aggressive or violent acts or assertions, unlawful activity, discriminatory activity (for example, making racist statements), and sexually explicit activity.

But more importantly, he notes how candidates can minimize the digital dirt that is unearthed about them:

It only uses the data an employer gives it to run a search. This tends to be standard issue information from your resume. Your name, your university, your email address and physical location. Which means that, ultimately, you are the one supplying all the data for a background check. Because you are the one who supplies that data to your employer. And that means you should be smart about what kinds of contact information you put on your resume.

Great advice -- including the suggestion that most of us give to clients already -- to start a fresh e-mail address that they use for their job search only. Just another thing to think about when giving clients advice about online reputation management.

Creative Resumes: Do They (Get) Work?

Every once in a while, I come across an article like this one: "13 Insanely Cool Resumes That Landed Interviews at Google and Other Top Jobs."

The premise is out-of-the box resume designs -- printed on unique paper, designed to look like a movie poster (or Facebook page, or Google search results page), featuring a QR code instead of text, etc. -- that is unconventional and landed the job. We get it -- you need to set yourself apart.

It's cute. But the article glosses over the reminder that these types of resumes work best when the "normal" job search principles apply:

• Content is still king. Put it in a pretty package, but if you don't have anything to say, you'll get an interview, because they're curious about the person behind the package, but ...
• You must have the qualifications to get the job. All of the resumes purportedly got an interview -- it doesn't say if any of them actually landed the job. (In fact, the "Google guy" got the interview, but not the job.)
• Creative resumes work for creative fields. Out-of-the-box formats don't work for all industries. None of the samples listed were for an accounting firm or manufacturing company, for example. Which brings me to...
• Size matters. That is, the size of the company you're targeting. Creative resumes are more likely to win interviews in smaller, especially entrepreneurial companies ... where risk is rewarded. They're also more likely to get to the desk of the decision-maker in a small company. As the job seeker behind sample number #5 pointed out, "HR people don't always respond well to this."
• Don't make the employer do more work than necessary. A QR code is trendy, but if the hiring manager or company owner doesn't have the software (mobile phone app, usually) to access the code, the resume will be passed over. (As resume writers, we tell our clients the same thing with regard to boring things like .docx formats, so it's not just cool stuff that can derail your path to an interview ... it can also be boring Microsoft Word software versions...)
• The federal government still is involved. With more and more recruiters and hiring managers Googling prospective hires, and candidates providing video segments and links to online profiles which feature photos, the lines are getting fuzzier about not using traits such as personal appearance to influence the resume screening process, since factors such as race, color, religion, sex, age, ethnic/national origin, disability, or veteran status cannot influence employment decisions.
• It's about form and function. Rick Mundon, the man behind Orange Resume, "a website that designs creative resumes, business, and websites for job hunters" (it's the graphic of his sample resumes that's featured above) does make the point that "employers need to pick (the resume) up and know how to find your past work experience." Not all creative resumes "get" this.
• Graphic design candidates can get away with a lot. See earlier comment about "creative resumes for creative fields." 'Nuff said.

As resume writers, we've probably all developed some creative resumes for our clients at one time or another (I can specifically recall one for a photographer and a couple for elementary school teachers that were out-of-the-norm and landed interviews), but the basic principles of a resume still apply. You must target the reader and demonstrate why this candidate deserves the interview ... and the job. The rest is .... well, window dressing.

Early Registration Deadline Approaching for CDI Summit

Don't forget the early registration deadline is approaching for the Career Directors International Global Career Empowerment Summit 2011 in Savannah, Georgia this October.

The deadline is Friday, July 1. Registration costs as little as $529 (three-pay options are also available).

I really enjoyed Savannah when I was out there for the NRWA conference a few years ago. We (I brought my husband and his parents with me!) flew into Jacksonville, Florida to save money (it was only about an hour or hour-and-a-half drive up) and we spent an afternoon at Hilton Head Island on the beach too.

Beautiful!

Don't know if I'll be able to make it yet, but I definitely recommend going if you can!