Redlands | Bernardini & Donovan

As you’ve been hitting the gym constantly and watching what you eat before your summer vacation, there is no reason to lose all that progress as you enjoy your trip. While many think it is impossible to maintain a healthy lifestyle while on vacation, there are a variety of ways to stay healthy but still enjoy yourself. Consider incorporating these 5 helpful tips to maintain a healthy lifestyle while on vacation:

In order to save both money and calories, you will want to have at least one meal at your hotel or rental property each day. If you are renting a property, you’ll have more freedom to indulge in a tasty but healthy meal. If you will be staying in a hotel, consider bringing breakfast bars, cereal, or oatmeal.
Remember portion control as you dine out. It is nearly impossible to avoid restaurants altogether while vacationing, therefore, you’ll have to remind yourself that you do not have to finish the entire dish. You will also want to order all sauces and dressings on the side so that you can choose how much you consume.
If you want to consume alcohol while on vacation, remember that you’ll want to drink only water and sparkling water on all other occasions. Avoid fruity drinks that will be loaded with calories and sugars such as Mai Tais and Pina Coladas. Rather, stick to straight shooters or vodka with sparkling water and lime.
Whenever possible, walk to your destination. You may want to make an effort to go on a walk after each meal so that you don’t feel bloated and guilty for enjoying yourself.
Unlike when you’re home exercising, many vacation activities involve exercising in a FUN way. Go zip lining through the forest or indulge on a scenic hike with your spouse.

Bernardini & Donovan Insurance Services strives to provide Redlands, California residents with excellent insurance services custom tailored to meet your unique needs. Contact us today and allow us customize a unique health insurance package for your family based on your needs.

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 two-year Own Occupation period for selected employees. After that two-year period is up, the contract continues to pay but the definition changes to Any Occupation. Some limited term policies provide claimants with a 5-year benefit. However, some contracts will continue to use the definition, Own Occupation, until the claimant turns 65 years old or to their Social Security Normal Retirement Age. It is unusual to see an individual disability policy with anything less than Own Occupation coverage.

Any Occupation

Any Occupation, also known as Any Gainful Occupation, refers to when a claimant is unable to perform the material and substantial duties of any gainful occupation. Any Gainful Occupation refers to an occupation where a person’s performance is based on education, training, and experience. The Gainful Occupation may be required to provide the claimant with a defined income level in order to no longer be classified as disabled.

For more information about long term disability insurance in California please contact Bernardini & Donovan Insurance, located in Redlands.

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5 Ways to Stay Healthy on Vacation

Disability Insurance: Own Occupation vs Any Occupation

let Bernardini & Donovan find the right plan for you

let Bernardini & Donovan find the right plan for you

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