Are You Utilizing
Your EAP?


"Most people spend more hours at work than anywhere else in addition to the time they spend commuting each day.  In fact, the typical American works approximately 47 hours a week.

Given these statistics, it is easy to see why maintaining a healthy work/life balance is becoming increasingly important."  
(www.; John Bates)


1st CBC has put together an EAP program for you from your employer which provides many services to help you obtain and maintain your work/life balance.  From wellness services (i.e., mental, dental, fitness, massage, etc.) to financial wellness services (i.e., budgets, reduce monthly expenses, planning for your future).

Make sure to contact your local 1st CBC EAP representative today to start the path to a balanced life. 



Upcoming Workshops

Go to,  click on the 'See More' button under Event News for detailed information.


May 7, 2013  6:30 pm:  Wills, Trusts & Estate Planning

                                    Purple Ginger II

                                    7340 S Clinton Street, Englewood, CO


May 15, 2013  6:30 pm:  Wills, Trusts & Estate Planning

                                     Howard Johnson Inn

                                     301 3rd Ave N, Fargo, ND 

The Financial Impact of a Disabling Illness
Provided by Columbus Life Insurance Company


People think Disability won't happen to them.


1 in 50

More than 60% of wage earners believe they have a chance of becoming disabled for 3 months or more during their work careers.  

             (Disability Divide;  The Council for Disability Awareness;  March 2010)

But the reality is:


1 in 4
of today's 20-year-olds will become disabled before reaching age 67.
            (Social Security Fact Sheet: June 2012)

1 in 8
will be disabled for five years or more during their work careers.
            (Commissioner's Disability Tables A&C )

Americans are UNPREPARED
Workers lack disability coverage.

70% of private-sector workers have no long-term disability insurance.
          (Social Security Fact Sheet: June 2012);  
95% of disabilities happen outside of work and are not covered by worker's compensation.
          (CDA 2009 Worker Disability Planning and Preparedness Study) 
60% of Americans have NO savings earmarked for emergencies. 
             (Consumer Federation of America; 2007)

The impact can be DEVASTATING.
32 Months Average length of one long-term disability absence.  (2010 Gen Re Disability Fact Book)

Medical problems contributed to:

50% of all foreclosures.  (Get Sick, Get Out: The Medical Causes of Home Mortgage Foreclosures;
            Robertson, Egelhof, Hoke; 2008)
62% of all personal bankruptcies filed in 2007.   (Medical Bankruptcy in the United States, 2007;
                                                                                                 The American Journal of Medicine; June 4, 2009)

Support Your Community
Support other EAP Members and Vendor Partners of 1st CBC in your community.
Denver, Colorado
Discover Health & Wellness  Receive 15% off package plans.
David Dunn Dentistry  Receive 15% off any dental service.
Pensacola, Florida
Fulton & Rabinowitz Chiropractic  Receive a free consultation.
World Gym  Receive 25% off any membership. 

1st CBC
(888) 640-3410

"We Help Mitiagate the Risks of Every Day Life!"
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