Social Security

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Abbey Dean is the Director of Content at Mployer Advisor. Abbey is an award-winning editor and writer with more than 10 years of experience in print and digital media across B2B and B2C platforms. A versatile journalist and content creator, she has worked for local newspapers, small-city magazines, daily news websites, and award-winning print publications including the Oxford American and American Spirit. She he has also led successful digital content marketing campaigns for manufacturing and healthcare professionals through the creation of webinars, e-books, newsletters, blog posts, and videos.

Average Indexed Monthly Earnings (AIME)

Average Indexed Monthly Earnings (AIME) is a term used by the Social Security Administration to determine a person's retirement benefits. The AIME is calculated by taking the average of a person's highest 35 years of earnings, adjusted for inflation. 

Currently Insured

In insurance, currently insured refers to an individual whois covered by an insurance policy and has paid the required premiums to maintain their coverage. Here are some key features of currently insured in insurance:

FICA Taxation

FICA stands for Federal Insurance Contributions Act, which is a law that requires employers and employees to contribute to the SocialSecurity and Medicare programs in the United States. The FICA tax is a payroll tax that is automatically deducted from employees' paychecks and paid by their employers to fund these programs.

Social Security Disability Insurance (SSDI)

Social Security Disability Insurance (SSDI) is a federal program that provides benefits to individuals who are unable to work due to a disability. Here are the key features of SSDI:

Social Security Disability Insured Status

Social Security Disability Insured Status refers to a person's eligibility for Social Security Disability Insurance (SSDI) benefits based on their work history and Social Security taxes paid.

Social Security Fully Insured

"Social Security Fully Insured" refers to a person's eligibility for certain Social Security benefits based on their work history and Social Security taxes paid. Here are the key features of beingSocial Security Fully Insured:

Social Security Partially Insured Status

"Social Security Partially Insured Status" refers to a person's eligibility for certain Social Security benefits based on their work history and Social Security taxes paid. Here are the key features of beingSocial Security Partially Insured:

Social Security Total Disability 

"Social Security Total Disability" refers to a disability status under the Social Security Administration (SSA) that entitles individuals to receive disability benefits. Here are the key features of SocialSecurity Total Disability:

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According to Mployer Insights’ 2026 analysis of 50,000+ employer health plans, prescription drugs account for over 25% of total benefit expenses, with Tier 4 specialty drugs driving the majority of high-cost claims. While Tier 4 copays average $123 with coinsurance requirements in 31% of plans, individual oncology therapies like Darzalex Faspro ($170,800/yr) and Keytruda ($158,200/yr) frequently exceed average individual stop-loss deductibles ($141,938). To mitigate exposure, self-funded employers are increasingly turning to independent, transparent PBM models and biosimilar substitution—which yields up to a 73% net cost reduction per patient.
Most U.S. employers now offer paid maternity leave beyond the legal minimum, but coverage varies widely once you look past the basics. According to Mployer Insights' 2026 analysis of more than 50,000 employer benefit plans, 68% of employers provide paid maternity leave on top of short-term disability, typically adding 8 extra weeks, and half now cover 100% of salary during the disability period. Support drops off from there: only 41% of employers offer paid bonding leave for non-birth parents, and advanced family-building benefits remain even less common, with just 28% covering IVF and 11% offering adoption financial assistance. The data suggests that while baseline maternity leave has become standard, more comprehensive family-building support is still the exception rather than the norm.