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The host of Lets Chat Radio has been a licensed insurance benefits counselor for 6 years working in the life and health insurance markets and today will discuss disablilty insurance. Get your pencil and paper ready !
Nearly one-third of U.S. workers will become disabled at some point in their career before reaching retirement, according to a 2009 estimate from the Social Security Administration. Yet the federal agency says that 70% of employees aren't covered by private long-term disability insurance. Social Security disability benefits are available for certain disabled workers, but the average payout is only 40% of a person's income and the allowance rate for initial claims can be as low as 30% in some areas of the U.S.
Individual disability insurance is truly a basic concept. It is an insurance product designed to replace anywhere from 45-60% of your gross income on a tax-free basis should a sickness or illness prevent you from earning an income in your occupation. Your most important asset is your ability to bring home a paycheck, DI makes sure that regardless of any adverse changes to your health, you are able to provide for yourself and your family. Every disability insurance policy from every insurance company is very different, this is not a product to simply shop for the most competitive rate. To buy the cheapest disability insurance policy on the market is to throw money away. The odds of getting paid a monthly benefit under a cheap contract may be significantly lower than receiving benefits from a quality contract. The goal of this show is to provide you with information to make an educated decision on your own. I will provide you with information regarding the major features of a disability insurance policy so that you may better understand how to read a disability insurance policy. More information contact me at firstname.lastname@example.org
What is the utlimate harassment and intimidation tool? Disability Surveillance. Fear is a common mechanism to move average citizens, but do you have to respond in insurer best interest or yours? Just because a company would rather keep not only your premiums but benefits after filing a claim doesn't mean you have to walk away sad and defeated. Today it is time to learn Counter Disability Surveillance 101, because bullies shouldn't get their way. Join me, ESTRA on discussing Counter Disability Surveillance 101.
Student from Amor Pow's House Of Hair salon in the Bronx just graduation from beauty school and Rosa's Resources was there for the excitement. This is a black owned salon which has a mulitculture staff, owner/stylist Janet Pow strive to push team work and continued education at her salon.
Topic tonight is Student and staff connection.
Want to learn more about Beauty Chat Radio show or become a sponsor/guest visit www.rosasresources.biz
This program will be featuring Student Research Resources Subject Tracer™. This Internet Annotated Link Dataset Compilation is dedicated to the latest and most competent resources and tools for student research available over the Internet. The discussed selected student research resources, sites, indexes and alerts offer excellent knowledge and information discovery sources to help you accomplish your student research and discovery goals! We will also discussing my latest freely available Awareness Watch Newsletter V12N11 November 2014 and my freely available November 2014 Zillman Column. You may call in to ask your questions at (718)508-9839. The show is live and thirty minutes in length starting at 2:00pm EST on Saturday, November 15, 2014 and then archived for easy review and access. Listen, Call and Enjoy!!
Join us for a conversation with Carol Glazer, President of the National Organization on Disability (NOD), a private, non-profit organization that promotes the full participation and contributions of America’s 56 million people with disabilities in all aspects of life. NOD focuses on increasing employment opportunities for the 79 percent of working-age Americans with disabilities who are not employed.
Under Carol’s leadership, NOD has developed important new relationships with the US Army, leading employers, national and local foundations, allied disability organizations and scores of new corporate donors to NOD’s programs. She put in place NOD’s signature employment demonstrations, Wounded Warrior Careers and Bridges to Business.
We'll talk with Carol about what fuels her passion to serve the disability community, NOD's initiatives including the exciting Disability Employment Tracker, how Federal Contractors are working to meet new regulations regarding implementing Final Rule changes in Section 503 of the Rehabilitation Act of 1973, Disability Employment Awareness Month, and much more...
PA Independent Living Radio Show is brought to you by The Arc of Luzerne County. Our work relies on your support, please consider a donation so we may continue to improve the quality of life for people with Intellectual and Developmental Disabilities and their families.
Host Dana Rose Crystal continues a discussion from the previous show regarding student government, freedom of speech and so forth. 7 years ago, FC AS violated her Freedom of Speech. Is it worth it at all? Is Community College a waste of time? Should students just move as quickly as possible to University?
Join us for #SepsisChat, Thursday, July 31 at 1pm EST. Topic is Sepsis and Disability. Many Sepsis survivors are left with debilitating Post Sepsis symptoms. Others, multiple amputations, recurrent infections, post sepsis related illness; leading to additional surgeries. Cognitive decline, PTSD, generalized fatigue and pain are just a few symptoms. Yet, many survivors cannot qualify for Social Security, Public Assistance, Respite or Caregiver services. We will discuss this topic and tweet using the #SepsisChat hashtag. I'll briefly touch on my struggles in the aftermath of Sepsis
What happens when you have an injury that ends your career? If you aren’t covered by the proper disability insurance you could have drastic ramifications to your income. Some disability insurance will protect you whether the injury is work related or not. Shirley Gutkowski, Host of Cross Link Radio, speaks with Craig Gussin and Jean Rockwell about different types of disability insurance.
Craig Gussin attended Wayne State University in Detroit, Michigan, where he received his degree in Business Administration. Craig also holds an advanced degree, Charter Life Underwriter from Bryn Mawr College in Bryn Mawr, Pennsylvania. He is a Certified Health Care Reform Specialist and a member of the National Association of Insurance and Financial Advisors, along with the National Association of Health Underwriters and The International Disability Insurance Society. He has written articles, conducted seminars, been interviewed on TV, Radio, in the newspaper and magazines, including the June 2011 issue of Money Magazine.
Jean Rockwell was a full time RDH for 29 years, when she was forced to retire due to a disability. Luckily, she had disability insurance, allowing her to maintain the lifestyle she had while working as an RDH. She lives in San Diego, California, and is currently working part time as an insurance agent with Auerbach & Gussin Insurance, promoting disability insurance to RDH’s. She is a co-author of an article in RDH Magazine where she examines the features of a comprehensive disability insurance policy. She also co-monitors an online group, specifically designed for disabled or injured RDH’s. She is a member of ADHA and CDHA. Jean attended Pensacola Junior College in Pensacola, Florida and obtained her Associate of Science degree in Dental Hygiene.
This week's 90 minute program will feature guest Tom Neilson, and then continue with Part Two of Student Loan Debt - a new class of debt slaves. California Lynn, a CPA with an MBA who has written extensively about healthcare costs and student loan debt servicing will take calls if time allows. She may be contacted at: TheGreenCPA@aol.com. We will aIso hear from Brian Powers, NJ's driving force behind $15Now with a local and national update on $15Now and its push for living wages.
Tom Neilson, musician and activist, will discuss his music including this program's opening theme, Its a Crime (to tell the truth), That was the Week 2013, and Four Years of College. Tom has tweaked, massaged, and added to Four Years of College's original lyrics written by Ben Grosscup and Ferd Wulcan.
Tom plays at festivals, union halls, colleges, national conferences, cafes, house concerts, & at political and social gatherings. He particularly enjoys the personal connections provided by house concerts and has performed for countless benefits and causes. His music has been used in nine documentaries, as he tells the stories of people’s struggles against greed & violence, interjecting a good deal of levity along the way. If you ask him, he'll tell you he's just a farm boy with a guitar who loves a good ball game and human rights.
No one wants to be in the horrifying position of having to apply for social security disability benefits. No one ever expects to get hurt on the job and find themselves unable to work and earn an income. But if and when it happens, will you be ready? Join disability lawyers Brian Mittman and Scott Daniels as they explore the best ways to prepare yourself for a disability or workers compensation claim in the event you need to file for it. After all, social security disability benefits and workers' compensation benefits are in place to provide benefits if you can no longer work. Don't miss out on this invaluable opportunity to educate yourself on these programs.