MONTHLY INCOMEBenefit amount from current disability income policy $____________ Income from spouse $____________ Investment income $____________ Any other income $____________ Total Monthly Income Available $____________ MONTHLY EXPENSESMortgage or Rent $____________ Car Payments $____________ Utilities $____________ Food and Clothing $____________ Child Care Expenses $____________ Loans & Credit Card Payments $____________ Medical Expenses $____________ Insurance Premiums (Home, Auto, Life, Health) $____________ Savings, Investments, Retirement Contributions $ ____________ Other Expenses (Education, Entertainment, etc.) $____________ Total Monthly Expenses $____________ AnalysisTotal Monthly Income Available: $_______________
Minus Total Monthly Expenses: $________________ Equals Need for Additional Monthly Income Due to Disability: $________________ Disability Income Insurance provides money to replace earned income while disabled from sickness or an accident.
*Source: Social Security Administration, Fact Sheet Jan. 2009.
**Source: Council for Disability Awareness, Long-Term Disability Claims Review, 2010.
Peace of Mind!Finally, enjoy the ultimate in peace of mind with the Total Loss Replacement or Agreed Value options. With Total Loss Replacement, you get a brand new RV of similar make and quality if your current RV is “totaled” (damaged beyond repair or stolen). With Agreed Value, you set the value of the RV when you buy your policy, and you get that amount if your RV is totaled.
Take a look at some examples of people that needed their umbrella policy.Insured driver rear ended a vehicle stopped to make a left turn, forcing it into an oncoming lane as 16 motorcycles were going past. Three motorcycles were caught up into the accident, injuring four motorcyclists and two occupants of the claimant’s auto.
Claimant is alleging defamation, civil conspiracy, tortuous interference with contract, intentional infliction of emotional distress, abuse of process and invasion of privacy against the insured. Claimant left insured’s premises after consuming alcohol, and was subsequently involved in an auto accident. Claimant sued insured on theory of host liquor liability. Insured boat driver and named insured are facing two wrongful death claims and a bodily injury claim as the result of a boating accident. The driver of the insured’s boat whipped the victims, ages 12, 12, 9, and 7, into a raft constructed of barrels supporting a wooden deck. Our insured’s son was driving a non-owned vehicle, which was uninsured, when he was involved in this loss. The claimant was sitting on the trunk on the outside of the vehicle while it was in motion. Claimant slipped and fell, striking her head on the pavement after suffering a severe head injury. Injury to claimant while attending insured’s birthday party. Claimant was shot in the eye with a paintball. Insured was walking his dog on a leash. Stopped to talk to neighbor and both insured’s dog and neighbor’s dog were barking. Both insured and neighbor pulled on the insured’s dog leash and the neighbor lost his balance, fell and sustained bodily injury. Claim filed against insured. Insured’s wife was going over a hill and came upon an emergency vehicle. She attempted to slow down but slid and lost control of her vehicle, hitting the claimant’s vehicle, two EMTs, a firefighter and two police officers. Insured sued for defamation, humiliation, and emotional distress as a result of insured’s daughter wrongfully accusing claimant of sexual misconduct with a child. Two year old claimant caught his hand in insured’s boat lift and sustained amputation of the tips of his ring finger and little finger. Claimant broke his neck and became a quadriplegic during a tug-of-war game during “Greek Week”. Our insured’s son is a member and elected officer of one of the fraternities that sponsored “Greek Week” activities. Claimant filed suit against our insured asserting that he made false accusations regarding the claimant allegedly committing a crime, which amounted to “civil slander” and negligent infliction of harm. The accusations against the claimant related to the claimant having possession of a firearm on the insured’s premises. Injury to claimant while attending insured’s birthday party. Claimant was shot in the eye with a paintball. Claim filed for retaliatory discharge of claimant for making a worker’s compensation claim against the insured. Claimant is also alleging wrongful discharge, bad faith termination resulting in lost wages, embarrassment, humiliation, emotional distress and exemplary damages. How to Prevent Ice Dams and Freezing Pipes  Click on the link to learn about different health care insurance plans, understand frequently asked questions, complete an application and receive a quote. It is really easy to use and will let you know if you qualify for a plan under the new health care law.
Four ways you can help to control your health care costs:
With the snow melting, your sump pump will have to work overtime. Try these tips to help prevent water back-up in your home.
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