Coye Law - Social Security - October 2019

Pumpkin Screams 5 Tips for Longer-Lasting Jack-O’-Lanterns

integrity of the pumpkin. Cutting from the bottom is not good, either, because all the liquid inside the pumpkin will ooze out. For the best results, carefully cut a hole in the back of the pumpkin. Apply petroleum jelly. After you’ve scooped out all the “pumpkin guts” and carved your masterpiece, apply a little petroleum jelly to the cuts. This will help seal in moisture. The Farmers’ Almanac also recommends spraying your pumpkin with anti-humidity hairspray to lock in freshness. Go electric. Using a real candle heats up the inside of the pumpkin, causing it to decompose faster. An LED tealight with a flickering effect will create that classic spooky jack-o’-lantern look and keep the pumpkin cool. Plus, you don’t have to worry about any trick-or-treaters getting burned if they accidentally trip over your pumpkin. These tips are to help your jack-o’-lantern last longer. When it comes to designs, feel free to let your imagination run wild! The best jack-o’- lantern is one you’re proud to show off on Halloween.

Jack-o’-lanterns are an iconic part of the Halloween aesthetic, but they can quickly backfire. If you carve your pumpkins too early, you may end up with a moldy mess on Halloween. The first rule of jack-o’- lanterns is to wait as long as possible before you start carving. Here are some other tips to help you achieve the perfect jack-o’-lantern this year. Find the perfect pumpkin. A great jack-o’-lantern starts in the pumpkin patch — or in the grocery store if you’re short on time. Look for a fresh pumpkin with a sturdy, green stem, no bruises, and a flat bottom so it’s stable when you’re carving. Size and shape aren’t important, so long as the pumpkin sparks your creativity. Just make sure you don’t accidentally bring home a small sugar pie pumpkin, which will be harder to carve. Wash your pumpkin. Before you start carving, mix 1 tsp of chlorine bleach with 4 liters of water and wash your pumpkin to help prevent mold. Be sure to wear gloves! Cut from the back. Cutting the top of the pumpkin is traditional, but it removes the stem, which helps keep the pumpkin fresh. It also threatens the structural In common conversation, when we hear the word “disability,” we usually think of a permanent condition that impairs somebody’s senses, movements, or faculties. The way we use the term colloquially, though, is not precisely equivalent to its legal definition, which comes from the Americans with Disabilities Act (ADA). According to the ADA, “a person with a disability is a person who has a physical or mental impairment that substantially limits one or more major life activity.” This definition does not specify any time requirement for a disability, which means you can receive disability benefits whether you’re impaired permanently or not. In cases where a disability preventing work lasts for a brief period, you can receive coverage from short-term disability insurance. Short-term disability insurance can cover you in the event of a temporary injury, condition, or illness that leaves you unable to work. Certain short-term policies also cover pregnancy and maternity leave. While many employers offer short-term disability coverage as part of their benefits package, it is not mandated by Florida law. In the event an employer does not offer short-term disability coverage, an employee has the right to sign up for it privately. When enrolling in short-term disability insurance, it is important to carefully select the policy that makes the most sense for you. Many factors vary from policy to policy, including these important considerations:

The Scoop on Short-Term Disability Insurance What You Need to Know About This Optional Coverage

Length of coverage

• Whether or not your spouse is covered under the same policy • Length of time between disability onset and the beginning of coverage • Percentage of wages covered • Circumstances permitted under coverage Understanding the nature of your policy can be the difference between having peace of mind and the rug ripped out from under you. Another vital factor to note is that you must have short-term disability insurance before you become either hurt, sick, or pregnant. In other words, you can’t enroll after you know you need it; you have to have it in place before. While there’s no anticipating an injury or illness, many people look into short-term disability options before deciding to have a child. Depending on the parental-leave policy of the employers involved, a prospective parent or parents may actually get better coverage from short-term disability insurance.

If you have questions about any type of disability coverage, call Coye Law at 407-871-3191.

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