Newsletter - Columbia River Insurance Services

There are two types of disability policies: Short-Term Disability (STD) and Long-Term Disability (LTD):

1. Short-Term Disability policies (STD) have a waiting period of 0 to 14 days with a maximum benefit period of no longer than two years.
2. Long-Term Disability policies (LTD) have a waiting period of several weeks to several months with a maximum benefit period ranging from a few years to the rest of your life.

Disability policies have two different protection features that are important to understand.

1. Noncancelable means the policy cannot be canceled by the insurance company, except for nonpayment of premiums. This gives you the right to renew the policy every year without an increase in the premium or a reduction in benefits.
2. Guaranteed renewable gives you the right to renew the policy with the same benefits and not have the policy canceled by the company. However, your insurer has the right to increase your premiums as long as it does so for all other policyholders in the same rating class as you.

In addition to the traditional disability policies, there are several options you should consider when purchasing a policy:

• Additional purchase options 
  Your insurance company gives you the right to buy additional insurance at a later time.
• Coordination of benefits 
  The amount of benefits you receive from your insurance company is dependent on other benefits you receive because of your disability. Your policy specifies a target amount you will receive from all the policies combined, so this policy will make up the difference not paid by other policies.
• Cost of living adjustment (COLA) 
  The COLA increases your disability benefits over time based on the increased cost of living measured by the Consumer Price Index. You will pay a higher premium if you select the COLA.
• Residual or partial disability rider  
  This provision allows you to return to work part-time, collect part of your salary and receive a partial disability payment if you are still partially disabled.
• Return of premium 
  This provision requires the insurance company to refund part of your premium if no claims are made for a specific period of time declared in the policy.
• Waiver of premium provision
  This clause means that you do not have to pay premiums on the policy after you’re disabled for 90 days.

When it comes to cooking healthy meals for our families, there is always some degree of disagreement among the ranks. The good news is that there are recipes that are very healthy, but the healthy nature of these recipes is somewhat disguised. What they do not know in these instances truly should not bring harm their way (outside of allergies, which should never be ignored).

Healthy cooking is often difficult as most of us do not want to spend time planning and preparing meals that our families refuse to eat. At the same time, we want our families to be healthy, so we feel compelled to learn new and improved ways of cooking healthy foods for our family to enjoy

With weight and nutrition being known as the culprit in so many health conditions it is impossible to ignore the importance of not only eating healthy ourselves but also of teaching our children the importance of eating healthy. One way to ensure that your loved ones are eating healthy is to make sure that you are cooking healthy and nutritious foods for them.

Many books and magazines are filled with recipes that encourage healthy cooking and eating habits. If you truly love to cook, then there is no shortage of recipes that you can try out along the way. The really good news is that you can incorporate healthy cooking into your cooking routine whether you are cooking for one or a household of ten.

Many will argue that cooking healthy food costs more than cooking the prepackaged foods that pack on the calories and additives. The truth of the matter is that when you compare the costs with the medical bills of the future for failing to do so, they seem rather slight by comparison. Yes, good food costs more money. In many cases, that is a simple fact of life. However, by learning portion control and eating the proper portions, you may discover that you are spending less as you adjust to the proper amounts of food you should be consuming to maintain a healthy and active lifestyle.
 
Cooking healthy isn’t an overnight change; it is a lifestyle change that should be implemented one step at a time. You do not have to go into your kitchen and throughout every little thing that you deem ‘unhealthy’ only work not to buy more of these items once they’ve been used. Make wiser decisions when purchasing fats for food preparation and you will discover that you’ve made a vitally important step in the process of incorporating healthy cooking and eating habits in your home.

It’s those small steps you take towards your goal of cooking healthy foods for your family that will matter far more than any giant leap. Before you know it, you will find that you all have more energy and a better sense of overall health than you would have imagined before changing your cooking habits.

All of us at Columbia River Insurance Services would like to wish you a happy and quite love(ly) Valentines Day!

Personal Umbrella Insurance Offers Real Peace Of Mind
You’ve worked hard to earn your lifestyle. Consider adding additional liability protection to your Whidbey Island Auto, Home, Renters or Condo policy. Personal Umbrella Liability coverage added to your other policies can protect you, your spouse and any relatives living in your home for $1 million or more.

Umbrella Protection
Umbrella Insurance provides extra protection or limits above the liability insurance you currently have. Just as an umbrella protects you from heavy rain, an umbrella insurance policy protects you from losing the entirety of your wealth and assets in the event of a claim. Umbrella insurance can provide limits above your business insurance, personal auto and home policies.

Umbrella insurance provides broad insurance beyond traditional insurance. It provides additional liability coverage above the limits of your primary insurance policies. It can also provide coverage for claims that may be excluded by the primary policies

It is true that personal umbrella insurance may not be for business or individual, but if you are a business, wanting to protect your company’s resources, building financial resources for your future, are a professional, own your home, boat or recreation vehicle, you should consider an umbrella insurance policy.  Having the added protection of an umbrella insurance policy is coverage no one should go without. Call us today, for a free review.

High Net Worth Individuals
Do you own a boat, second home or have other expensive toys? Often high net worth individuals need higher liability limits to protect personal assets. A simple rule is, the more you own the greater risk you may have of losing it. The nice thing about an umbrella policy is that it is competitively priced. Usually, it costs about $300 per year for each $1,000,000 increment of insurance that you buy, and it can bring you great piece of mind.
 

Many people start to plan their yearly travel this time of year. Medicare participants should understand how traveling can impact your Medicare coverage. Here are a few items to consider before you hit the road.

• If you are planning a cruse there are different rules that apply. Contact me for a review.
• Emergency services will be covered within the U.S.
• If you require non-emergency care, most doctors will accept Medicare Insurance.
• If you are planning travel outside the U.S. Medicare coverage is limited.
• Some Medicare Advantage plans provide worldwide coverage benefits for senior health care insurance needs, but you will have to verify with your plan prior to traveling outside the U.S. to be sure.
• You are going through Canada to Alaska and you need medical care, Medicare may pay for services in a Canadian hospital.
• The U.S. Virgin Islands, Guam, American Samoa, the U.S. Northern Mariana Islands, inside the U.S. borders are all considered U.S.
• Retirees who are moving to a foreign country cannot use Medicare to pay for health care while they are living overseas. You will need to purchase private coverage.

If you have original Medicare and need to obtain durable medical equipment or supplies while traveling, you must use a Medicare-approved supplier. For a list of approved suppliers, visit www.Medicare.gov/supplier.
I do have options for those who may require additional coverage while traveling, please call me today. Enjoy your travel!

A healthy body is a happy body, and there’s no better way to preserve your health and your family’s health than with a health insurance policy from Columbia River Insurance Services.

Let’s face it, medical treatments aren’t cheap. Without health insurance coverage you could end up paying off medical bills for the rest of your life. Columbia River Insurance Services can help you find an affordable healthcare plan that’s right for you. Contact one of our friendly agents today to learn more.

Did you know, that the average American eats 4.5 restaurant or take-out meals every week. Cooking at home can make you a lot healthier, happier, and even richer!

When it comes to cooking healthy meals for our families, there is always some degree of disagreement among the ranks. The good news is that there are recipes that are very healthy, but the healthy nature of these recipes is somewhat disguised. What they do not know in these instances truly should not bring harm their way (outside of allergies, which should never be ignored).

Healthy cooking is often difficult as most of us do not want to spend time planning and preparing meals that our families refuse to eat. At the same time, we want our families to be healthy, so we feel compelled to learn new and improved ways of cooking healthy foods for our family to enjoy (and unfortunately in some cases scorn).

With weight and nutrition being known as the culprit in so many health conditions it is impossible to ignore the importance of not only eating healthy ourselves but also of teaching our children the importance of eating healthy. One way to ensure that your loved ones are eating healthy is to make sure that you are cooking healthy and nutritious foods for them.

Many books and magazines are filled with recipes that encourage healthy cooking and eating habits. If you truly love to cook, then there is no shortage of recipes that you can try out along the way. The really good news is that you can incorporate healthy cooking into your cooking routine whether you are cooking for one or a household of ten.

Many will argue that cooking healthy food costs more than cooking the prepackaged foods that pack on the calories and additives. The truth of the matter is that when you compare the costs with the medical bills of the future for failing to do so, they seem rather slight by comparison. Yes, good food costs more money. In many cases, that is a simple fact of life. However, by learning portion control and eating the proper portions, you may discover that you are spending less as you adjust to the proper amounts of food you should be consuming to maintain a healthy and active lifestyle.
 
Cooking healthy isn’t an overnight change; it is a lifestyle change that should be implemented one step at a time. You do not have to go into your kitchen and throughout every little thing that you deem ‘unhealthy’ only work not to buy more of these items once they’ve been used. Make wiser decisions when purchasing fats for food preparation and you will discover that you’ve made a vitally important step in the process of incorporating healthy cooking and eating habits in your home.
It’s those small steps you take towards your goal of cooking healthy foods for your family that will matter far more than any giant leap. Before you know it, you will find that you all have more energy and a better sense of overall health than you would have imagined before changing your cooking habits.

All of us at Columbia River Insurance Services would like to wish you a very happy and healthy 2019!