Bernardini & Donovan Insurance Services

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Disability Insurance: Own Occupation vs Any Occupation

Disability income contracts are intended to protect you from income loss when you are sick or injured. The most important factor of the contract is how disability is defined. Long-term disability is intended to protect those who are totally disabled from performing their duties. Many contracts not only provide benefits while the claimant is disabled from working, but also require an earnings loss from the disability. Many assume that long-term disability is too expensive, however, employer sponsored long-term disability is generally very inexpensive compared to a personal long-term disability contract. Own Occupation This term refers to when a claimant, whether they are in a group or individual disability contract, is disabled because they are unable to perform the material and substantial duties of their occupation. This definition is still met when the claimant is totally disabled and not working at all. Typically, group policies have a limited term policy, a

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Find the Long Term Disability Insurance You Need With These Simple Tips

When disaster strikes in the form of an illness or injury, it can often render you disabled and unable to work. This may last a few weeks, a few months, a few years or the rest of your life. Long-term disability insurance is a special type of insurance coverage that can ensure you stay financially secure during such a time. However, purchasing long term disability insurance should be considered as an investment. Therefore, you need to be careful when buying. Here are a few tips to make the search and purchase process smooth: Don’t Rely Solely on Government Assistance Social Security benefits are often available to those who become disabled due to an injury or illness. However, it can often take months to be approved, if you are approved at all. Therefore, long-term disability insurance is a necessary back-up plan to replace the income that you had from your job.

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Is Disability Insurance Something I Really Need?

You likely have insurance coverage for your house, your automobile and your personal belongings. However, have you ever thought about insuring yourself? We’re not talking about life insurance. We’re talking about disability insurance, which would provide assistance if you were to lose your ability to work and bring in a paycheck. Did you know that 25% of 20-year-old individuals today will become disabled in one way or another before they are 67 years of age? Further, the average disability payment for Americans as of March 2014 was just over $1,130 a month. That’s hardly enough to pay the bills. More often than not, just missing a day of work can put a family in a real bind financially, so what would happen if you couldn’t work for several months? This is why it might make sense to consider disability insurance. Disability insurance comes in many shapes and forms, as explained below.

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Understanding Your Disability Insurance Options

The majority of people in the workforce never even consider the fact that they may become temporarily or permanently disabled. As a matter of fact, it should be something that people give some thought to. People think about life insurance and how their family will survive financially if they were to die unexpectedly. People are diagnosed with illnesses and are injured every day; if you read a newspaper or turn on the TV you already know this. So, maybe it is time to think about what would happen to you and your family, if you were injured or became ill. According to the Council for Disability Awareness (CDA), the majority of the workforce has to depend on using their vacation and sick time they have accrued. Eventually, and in some cases quickly, you will be out of paid time off. What are you going to do when the money runs

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When Can I Sign Up for Medicare Part A and Part B?

Of all the government assistance programs out there, people tend to have the most questions about Medicare. It’s true that this government-run health insurance plan can be confusing, because it is so detailed. However, if you just know a few basics about it, it will make learning the rest so much easier. First of all, you become eligible for Medicare at age 65, regardless of whether or not you are still working or have retired. You can use it in conjunction with your employer-sponsored health insurance while you’re still working, or if you’re able to retain that insurance after you retire. Medicare then acts like a backup insurance plan to cover the things your primary insurance doesn’t cover, such as co-pays. You can also get Medicare if you are legally disabled, regardless of your age. When you first become eligible for Medicare, you are automatically signed up for Part A.

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May is Skin Cancer Awareness Month

With the arrival of spring, almost everyone wants to head outside for fun. However, most people do not protect themselves from the sun and thus get skin cancer. The bad news is that 3.5 million Americans are diagnosed with skin cancer every year. The good news is that skin cancer prevention is easy. Here are tips from the Skin Cancer foundation. Cover Up Before Going Out Wear wide-brimmed hats and long sleeves in light fabrics when spending long times in the sun. If it’s impractical to wear long sleeves, then use sunscreen. Remember to use 2 tablespoons of sunscreen to help protect your entire body. Check Your Skin Every Month Take a few minutes every month to check your skin for strange colorations, new moles or red patches that will not go away. Remember to check in between fingers and toes, behind the ears and under your armpits. Women should

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