• 00:31

    Facts about...Buying Disability Insurance

    in Entertainment

    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 letsradiochat@gmail.com 

  • 00:33

    Planning For a Disability

    in Legal

    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.

  • 00:30

    Sepsis and Disability

    in Social Networking

    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

  • 00:33

    Counter Disability Surveillance

    in Podcasting

    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.  

  • 00:31

    Who Needs Disability Insurance?

    in Business

    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.

  • 00:24

    Social Security Disability benefits and The Disability Guys

    in Legal

    The Social Security Administration is under fire right now for the wrong reasons. The federal disability program is not out of control and it's solvency can be fixed with simple congressional action. Join disability lawyers Brian Mittman and Scott Daniels as they discuss the latest in disability benefits and how to maximize your chances in obtaining benefits.

  • 01:00

    Carol Glazer - National Organization on Disability

    in Culture

    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. 

  • 00:14

    Why Aspies don't have a disability

    in Education

    The DSM manual puts it out there that the Autism Spectrum is a disablity.   Some would consider Autism as a "Social disability."  As someone who lives with AS herself I see things in a different light.

  • PA History Coalition Honoring People with Disability with Dana Olsen

    in Culture

    Join us for a conversation with Dana Olsen, Director of the Pennsylvania History Coalition Honoring People with Disability. The coalition is a group looking to increase society's understanding about the historic and herioc journey of Pennsylvanians with disability. We'll talk about the origins and purpose of the coalition, current and future projects, and about some of the history of individuals with disability in PA. 

    If your organization holds historic material related to people with disability, and you have yet to respond to the coalition's questionnaire, open through January 3, 2015, please click here. 

    Dana Olsen is now an author and citizen advocate, after a career in human services in Pennsylvania beginning in 1971. His associations include the PA Developmental Disabilities Council; Pennhurst Memorial and Preservation Alliance, Pennsylvania Lifesharing Coalition; and PA-APSE. He is author of Arching Tales, A Generation’s Support of People with Disability in the United States, Volume 1.

    PA Independent Living Radio Show is brought to you every Friday at 12:00 pm EDT/EST by The Arc of Luzerne County. Please consider a donation in support of our work to help improve the quality of life for people with Intellectual and Developmental Disabilities and their families through advocacy, resources, and community education.

    For more news and events of interest to the PA disability community, visit PA Disability News.

    Come back every Friday at 12pm EST/EDT for PA Independent Living - Thanks for listening!

  • 00:30

    Disability Insurance--to buy or not to buy?

    in Health

    As dental hygienists, we have all at least contemplated about buying disability insurance. But is it worth the expense? What kind of disabilty insurance is there? How expensive is it? What would it cover? How long would it last if you ever needed to use it?  Today, America's Dental Hygienist, Shirley Gutkowski talks with Ann Hansen about all the pros-and-cons of disablilty insurance. Ann Hansen is a Registered Dental Hygienist and has a Bachelor's Degree in Health. She has over 30 years of dental experience--ranging from registered dental assistant, insurance manager, office manager and dental hygienist. She has been retired from dental hygiene since 2008 but still stays connected to dentistry through education and mentoring. She is a two-time attendee of Career Fusion--and loves the comraderie and support it has brought to her life.

  • 01:11

    Autism and the Politics of Disability

    in Education

    In the United States and around the world, individuals with disabilities are demanding their rights as equal citizens and as people first.  How does this growing awareness of disabilities intersect with politics and social activism? What effect does it have on the balance of social capital in society? As one of the fastest growing groups of individuals with disabilities in the country and the world, how are individuals on the ASD spectrum and their families affected by the politics of disability? Join me and the graduate students of Cambridge College's Special Education Program in a discussion of Autism and the Politics of Disability. The work of disability rights activist Simi Linton will be discussed among other topics.

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