DO YOU REALLY NEED DISABILITY INSURANCE? Understanding the Urgency for Disability Coverage Disability insurance? Why would I need that? Is that necessary? If you’re in relatively good health, at a younger age, and not working a labor-intensive or risky job, it’s understandable why you wouldn’t consider disability insurance to be a high priority for you. However, the risk of falling victim to a disability is higher than you may think. According to Kiplinger, roughly one-third of the population will experience a disability before the age of 65. In fact, according to TMA Insurance Trust: • Roughly 1 in 4 20-year-olds will be considered disabled before they are able to retire. • 1 in 8 workers will become disabled for five or more years. • Today, approximately 12% of the total U.S. population (37 million) are classified as disabled. • 90% of disabilities are caused by an illness, as opposed to accidents.
READY, SET, SCAVENGE! Explore What Autumn Offers
As the leaves begin to fall and the air becomes cooler, it is a sure sign that summer is slowly coming to an
end. Though we will miss the pool parties and backyard barbecues, there is still lots to look forward to during fall.
Autumn is known as the season of change, and getting the kids outside allows them to understand and explore the changes going on in the world around them. Creating a fall scavenger
hunt is a great way for kids to practice their reading and observation skills, all while still enjoying the outdoors. Signs of Fall Creating a specific scavenger hunt for signs of autumn is a great way to enhance your child’s observation skills. Consider the following for your signs of fall hunt: 1. Leaves that have changed colors 2. Tree seeds or pine cones that have fallen to the ground 3. Items from a fall harvest (like pumpkins, sunflowers, or hay bales) 4. Changes among people’s apparel (such as jackets, hats, and scarves) 5. Animals hibernating or migrating Fall Color Wheel The best way to explore autumn’s colors is by creating a fall color wheel hunt! Since the leaves are the surest signs of fall, kids can compare and contrast the different colors of each leaf they find, making this a fun hands-on activity. You can either download a color wheel template from the Internet or make one yourself! All you need is a piece of paper that’s big enough for kids to tape the leaves onto and different areas for the colors red, yellow, orange, and brown. This will help kids see the different kinds of leaves as well as their visual changes during the season. The weather is getting colder, but it doesn’t mean you have to hibernate too! Bundle up with a cozy sweater and beanie, and encourage the family to get outside to explore all of the wonderful changes autumn has to offer.
Vermost Insurance NOW has a relationship with Chuck Chucri who offers Financial Planning and Investment
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