Archives May 2014

What Are the Differences Between Short-term and Long-term Disability Benefits?

A serious illness or an accident that results in injury can prevent a person from being able to properly perform his or her job. In the event that you become disabled and cannot work, you will want to have some security. Disability insurance is crafted to replace a portion of your income in the event of such an unfortunate occurrence. A good disability lawyer knows the gritty details of what qualifies as a “disability” for the purposes of the law. This definition will depend on your particular insurance policy and the laws of the state in which you reside. Disability lawyers also understand the important differences between short-term and long-term disability insurance benefits and how to ensure that his or her client receives an appropriate income. Ask for experts at www.preszlerdisabilitylaw.com

What Short-term and Long-term Disability Policies Have in Common

Both short-term and long-term disability benefits are the result of private insurance plans and are not a government benefit. These plans are typically secured through your employer and are sometimes included as part of a benefits package that includes group insurance. The government does provide Social Security Disability Insurance, however.

Short-term Disability Benefits
Short-term disability policies provide benefits that help you to maintain your income for only a limited period of time, at most 24 months, but most frequently somewhere between nine and 52 weeks. These benefits kick in only after you run out of sick leave. Short-term disability benefits will aid you in the event of a short-lived but serious disability – for instance, an accident that results in broken bones that will eventually heal.

Short-term disability benefits kick in after a waiting period and provide you with a certain percentage of your income. Short-term coverage is often meant to supplement other resources in times of hardship. You will likely also draw on your savings and the good will of family. If your disability persists, however, short-term disability benefits may prove insufficient.

Long-term Disability Benefits
Long-term disability insurance can protect your income for many years after you have exhausted both your sick leave and your short-term disability benefits. Long-term disability benefits can potentially extend until you turn 67, though they may cover a shorter period, such as two to five years.

If you cannot replace your income, you may end up in serious debt or even experience foreclosure on your house. Long-term disability benefits are more comprehensive and than short-term benefits and are a boon to anyone who relies on his or her income for support. However, in order to receive long-term disability benefits, you will have to acquire evidence from your doctor explaining how your condition prevents you from working, along with an estimate of when you will be ready to return to your job.

Repair all types of garage doors

If you are like many homeowners, you may regularly access your garage by raising and lowering the garage door. This may be done when you are parking your vehicle inside the garage, pulling the kids’ bikes out of the garage for outdoor playtime, when working on the yard with a mower or other lawn maintenance tools and more. In fact, you may raise and lower your garage door numerous times each day for convenient or even critical functions. However, when you require garage door repair and automatic openers repair work, your ability to access the garage door may be impeded until the work is completed.

Common Garage Door Issues. There are several common garage door challenges that homeowners can face. One of the most common issues relates to a broken spring, but you may also not be able to raise or lower the garage door when trouble with the hinges or tracks arise. In addition, the automatic garage door opener may also break, and this can impede your ability to raise and lower the door. When you contact a professional technician for help with garage door repair and automatic openers services, the skilled technician can diagnose the repair problem as a first step.

The Repair Options for Your Garage Door. An experienced technician will be able to diagnose the issue with all types of garage doors quickly, and the professional generally may provide you with several options. For example, you may first receive a cost for garage door repair or automatic openers services, but you may also receive a quote for the installation of a new garage door or a new automatic opener. The fact is that replacing a garage door may improve your curb appeal, your energy efficiency at home and even your home’s value. While there may be additional cost associated with a replacement, there are instances when a replacement may be in your best interest.

Your garage door and its automatic opener are important features in the functional use of your home. They are also important to your convenience and even your property’s security. When you initially notice that these features are not working properly for you, you should request service from a reliable garage door technician. All types of garage doors can be serviced by a skilled professional, and the professional can help you to determine the best course of action to take to remedy the situation.

Dance Classes a Great Alternative for Adults

Many adults are interested in getting fit, losing weight, and becoming more toned overall. To do this, it will definitely take hard work, but it is certainly doable. One physical activity that has been taking the adult fitness scene by storm is dancing. Adult dance classes are popping up all over, and more and more men and women are signing up. This article will highlight a few of the key ways that you can get fit with adult dance classes as well as eating right and paying attention to calories.

The first thing to do to start dancing with a dance class is to find a gym or fitness center that offers dance classes in your area. Most gyms offer classes of all sorts, and there are sure to be classes that include dancing. Some of the more common classes for dance are: salsa dancing for couples, salsa dancing for individuals, jazz dance for individuals, and even ballet for both men and women. Visit the experts online.

Some people may be intimidated when they go to their first dance class, but this is entirely unnecessary. If you join a beginners class, there will be a lot of other people just like you who are also nervous about public dancing. Find a class that has an easy-going and friendly instructor who is also knowledgeable about the dance that you are learning. Another way to make the experience easier is to join a class alongside a friend or partner. Ask your friends if they would like to take a ballet class with you, or get your husband or wife to take a couples ballroom dancing class with you. That way you have someone right next to you who you know on your first day.

If you’re taking a dancing class to help improve your fitness level and muscle tone, you should also be concerned with eating healthy and counting calories if necessary. Try to eat 6 to 8 servings of fruits and vegetables each day, and don’t forget to drink a lot of water. Focus on lean meats like turkey, eggs, beans, and fish, and choose whole grains like brown rice and whole wheat bread over the white starchy alternatives.

Remember, working out does not have to be boring. If you want a fun activity that incorporates cardiovascular calorie-burning exercise along with stability, flexibility, and a little bit of strength training, try adult classes for dance, and see what they can do for you.