Can You Explain How Disability Coverage and Disability Insurance Work?

Can You Explain How Disability Coverage and Disability Insurance Work?

by Ed Yourdon Can You Explain How Disability Coverage and Disability Insurance Work? Q: I was recently injured during a softball game and my doctor said I could not return to work for 9-12 months. Am I eligible for New Jersey disability coverage? Are there other additional forms of disability coverage?   The Problem – Not Understanding Your Disability Benefits Three in 10 workers entering the work force today will become disabled before retiring. An illness or accident will keep 1 in 5 workers out of work for at least a year during their working careers. Unfortunately, over 70% of working Americans do not have enough savings to meet short-term emergencies. Most people do not understand their disability benefits until they are disabled.   The Solution – Understanding Your Disability Benefits New Jersey is one of only five states that offers disability benefits to their work force. Just a quick background on disability benefits and disability insurance. Let’s start with a basic definition of a disability. It is an accident, condition or illness that prevents you from performing your job responsibilities. Interestingly, a maternity leave may qualify you for disability benefits. Unlike workers compensation insurance, which provides coverage for injuries on the job, disability benefits covers workers for non-work related events.   Before we dig into disability benefits, let’s dispel two common myths about publicly provided disability benefits.  Myth No. 1: The State of New Jersey Provides Adequate Coverage Unfortunately, NJ provides the lesser of two-thirds of your weekly wage or $ 502 per week. Benefits are limited to 26 weeks or $ 13,052 and are not payable immediately. Most individuals cannot survive on this meager benefit.  Myth No. 2: The Federal Government...
Selecting Good Used Outboard Motors

Selecting Good Used Outboard Motors

by ATOMIC Hot Links Selecting Good Used Outboard Motors If you own a boat, what you need to have is a motor, so that you can get to the great fishing place. If you are finding a good second hand motor, read this article to know things to consider.   When buying used, the best thing to do is look for quality name brand; Evinrude, Yamaha, Mercury, and Honda, for example. It is actually better to purchase a more popular brand because they are usually the best quality and come with the best warranties. Check out Consumer Reports for outboard motors. Read consumer’s reviews on Yahoo Shopping. Look around and ask people what they have and why. When you have the whole picture, you are ready to choose your next used outboard motor.   Look at the different accessories you may choose. Some have hydraulic tilt, cable steering, and electric start, all of which simplify using the motor, while others have a pull rope start and a tiller handle for steering and throttle control. Because of these factors, no one piece of advice or article can cover all the possibilities. If you already have the boat, however, you need the compatible motor to your setup. In other words, if you have a steering wheel, or stick type steering system, you will want to buy a motor with a steering cable attachment, and if you have a battery and wiring to an ignition system you will want electric start. On the other hand, if you do not have these features in your boat, it is not practical to buy a...
Ways to Lower Your Homeowner Insurance Premiums

Ways to Lower Your Homeowner Insurance Premiums

by begemot_dn Ways to Lower Your Homeowner Insurance Premiums In today’s economy, everyone is looking for ways to cut costs wherever possible. If you haven’t taken a look at your homeowner’s policy in a while, perhaps it’s time to revisit your coverage and see if there are ways to reduce those premiums without sacrificing a thing. Here are some ways to do it. First of all, it’s important to understand that the price of premiums is largely based on what it would cost to rebuild it in case of disaster as well as how likely the structure is to be a total loss should a fire occur. So if you live in a $ 500,000 house you will always pay more in premiums than your cousin John whose house is worth $ 120,000. But that doesn’t mean there aren’t steps you can take to make those payments as low as possible. — Take your document, start making phone calls, and compare: visit with several agents and see if they can’t get you a better deal for the money or the same coverage at a lower price. The insurance market is a competitive one, and if you choose a new agent you should find one that offers great customer service along with great rates. — Make the modifications to your home that insurers’ love: increase security by installing deadbolt locks, burglar alarms, and more smoke detectors. If your house is older, it may have been built before building code specified a certain number of smoke alarms, and you may not have enough. You can save about 5% in premiums by...
Panoramic view of Los Angeles, looking southeast from Fourth Street and Grand Avenue, ca.1913 (CHS-5804)

Panoramic view of Los Angeles, looking southeast from Fourth Street and Grand Avenue, ca.1913 (CHS-5804)

Some cool auto insurance images: Panoramic view of Los Angeles, looking southeast from Fourth Street and Grand Avenue, ca.1913 (CHS-5804) Image by Fæ Wikimedia Commons image page Description Description ”Panoramic view of Los Angeles, looking southeast from Fourth Street and Grand Avenue, ca.1913 Photograph of a panoramic view of Los Angeles, looking southeast from Fourth Street and Grand Avenue, ca.1913. Fourth Street runs vertically (at left) with Olive Street intersecting it horizontally (visible at left). The street just below the buildings in the foreground is Grand Avenue (visible at right). The city is thriving with commercial buildings. A few residential buildings are visible at left. Notable landmarks include the Hazards Pavilion (the dome-shaped building near center), the Philharmonic Auditorium (to the right of Hazards Pavilion), and Pershing Square (right of auditorium).; CHS-5800 — Legible signs include: "L.A. Gas", "use L.A. Gas", "Higgins building", "Germain building", "John Luchenbach building", "Owl cigar", "[Los] Angeles […]athy", "Los Angeles Soap Co.", "Argonaut Hotel", "white, king […]", "[…] coffees and teas", "Coca-cola, delicious and refreshing", "the Wales apartments", "[Blac]kstone Co., dry goods, cloaks, […] draperies", "New York cloak and […] house", "Hale’s good goods", "Crane Co.", "Ducom[…] Hardware Co.", "Tav[…]". CHS-5801 — Legible signs include: "Olive auto park", "Antlers", "Grant building", "Montgomery Bros Jewelers", "Wetherby-Kayser Shoe Company, agents Johnston & Murphy for men, Liard Schober & Co. for women".; CHS-5802 — Legible signs include: "Los Angeles Ice & Cold Storage Co.", "cold storage warehouse", "Hotel Crescent", "Earl V. Lewis Co., Kodaks, Eastman Agency, two st[…], exclusively […]", "Broadway Drapery and Furniture […], 447 So. Broadway", "Myer Siegel & Co.", "Broxburn Hotel", "Hotel Trenton", "L.A....
17th Annual Chamber Golf Classic – Chapel Hill-Carrboro Chamber of Commerce

17th Annual Chamber Golf Classic – Chapel Hill-Carrboro Chamber of Commerce

Some cool car insurance images: 17th Annual Chamber Golf Classic – Chapel Hill-Carrboro Chamber of Commerce Image by Chapel Hill-Carrboro Chamber of Commerce Congratulations to our 17th Annual Chamber Golf Classic Champions! Team Blackman & Sloop, CPAs, P.A. – Sally Austin, Carla Daniel, Neely McLaughlin and Bill Smith – won our 17th Annual Chamber Golf Classic. The tournament, presented by Performance AutoMall, was held Monday, June 20 at Governors Club. Team First Citizens Bank – Chris Barnes, Joel Levy, David Madison and Sam Nichols – are runners up. Sam Hensley of Chapel Hill Tire Car Care Center won the longest drive competition. And Greg Overbeck of Chapel Hill Restaurant Group was closest to the pin. (photos ©2011 Kevin Seifert Photography | www.kevinseifert.com | 919.208.9458) Join us for our 17th annual Chamber Golf Classic, presented by Performance AutoMall, June 20 at Governors Club. The 27-hole Jack Nicklaus Signature Course, a U.S. Open Regional Qualifying Site, is situated along wooded valleys with lush foliage, following the natural contours of Edwards Mountain and winding through the neighborhoods at Governors Club. All proceeds from the tournament benefit the Chamber’s Foundation for a Sustainable Community. Member Registration: 5 for individual member golfer; 5 for member foursome Non-Member Registration: 0 for individual non-member golfer; 0 for non-member foursome Click here to register online, visit www.carolinachamber.org/golf, or contact Laura Morrison at 919.357.9989 or lmorrison@carolinachamber.org. Additional Sponsors include: SunTrust Bank, Harrington Bank, Wachovia, KeySource Bank, BB&T, Always Best Care, The Carolina Inn, Secure Network Administration, Geico – Gina Soviero, RBC Bank, The Meat House, Durham Technical Community College, Residence Inn, Photoendeavors, Bland Landscaping, Ram’s Club, Robert E....