Manufactured Home Insurance Professionals reminds mobile home owners to review their current policies to ensure that they have the best coverage available in the marketplace. Many Manufactured Home Owners still buy their Insurance policies with traditional Home Insurance companies, many of whom do not provide specialized mobile home coverage, stated Derek Kartchner, with specialty insurance provider MH Insurance Professionals, a division of International Insurance Group, Inc. (http://www.iigins.com).

Some of the specialty Mobile Home insurance coverages available via http://www.iigins.com include:

Flood Coverage- Flooding can happen almost anywhere, and the majority of traditional home insurers exclude Flood coverage. Unlike a regular Homeowners policy, the policies offered by IIG offer Flood as a coverage option as part of the Mobile Home policy in most locations.

Replacement Cost Coverage on the Mobile Home and Contents- many traditional Home insurers value Manufactured Homes on an “actual cash value” basis in the event of a loss. “Actual Cash Value” loss settlement is akin to Kelly Blue Book value on a car…in the event of a loss, a Mobilehome Owner with a policy that includes this option would get only the current market value of the home…not the cost to replace the Manufactured Home. IIG’s policy includes Replacement Cost options on both the Mobile Home and Contents. “In the unfortunate event of a claim, because our insurer’s specialize in the Manufactured Housing industry, our customers can rest assured that our adjusters understand the unique needs of Mobile Home Owners” stated Nate Watson, CEO of IIG.

Other Structures- IIG’s policies can provide coverage for other structures, such as garages, carports, sheds, and also provide coverage for awnings.

The MH Insurance Professionals encourage Manufactured Home owners to review their current policies to determine if these coverage options are included.

For more information, or to obtain a quote, consumers can visit http://www.iigins.com.

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TEVEN, NSW, Australia Young readers can now enjoy a fantastic read as author Debbie Fuggle takes them on a wonderful journey to witness Debbie Dumplings Magical Adventures. Readers will follow Deborah as she uncovers the magical world of her dolly friends in this colorful book.

Deborah goes with her mother to learn to sew dollies. Picking up a sample dolly she is to make, she smiles at the dolly but to her surprise the magical dolly winks at her. In shock, Deborah drops the dolly on its head. She bends down gives it a hug and places it back on the table. Making her very own dolly is so exciting and when shes done, she holds up her little dolly and exclaimed, I will call you Debbie Dumpling! Deborah pulls her mother into the sewing room at home to help set up the sewing machine and there she begins adding little dumplings as playmates for Debbie Dumpling. As night falls, the moonbeams come to visit the little dollies and a magical doorway opens into a land they call The Land of the Dumplings. Thus, their adventures begin. But will Deborah be able to see their magical land and join Debbie Dumpling and her friends on their adventures?

Filled with a perfect fusion of colors, creative illustrations, lovable characters and a beautiful storyline, Debbie Dumplings Magical Adventures is a charming read children of all ages will surely enjoy and have fun with.

For more information on this book, interested parties can log on to http://www.Xlibris.com.au.

About the Author

Debbie Fuggle is married to James Fuggle who is a lawyer. She has eight children – six girls and two boys. She lives in the Far North Coast of N.S.W. Fuggle started writing as a result of a severe car accident which left her in wanting to give to her family something they had to remember her by. She started writing Debbie Dumplings Magical Adventures and this then led her to write the Two Little Fir Trees, even poems and a song. Fuggles mother, Patricia Mountier illustrates her book series Debbie Dumplings Magical Adventures. Its been an exciting journey full of joy, tears, tantrums in learning to edit and experience with in her family, church and book life. Her mother has been her guide and mentor and she owes to her mother what she has achieved today.

Debbie Dumplings Magical Adventures * by Debbie Fuggle

Publication Date: April 11, 2012

Picture Book; $ 34.99; 32 pages; 978-1-4653-0102-4

Picture Book Hardcover; $ 54.99; 32 pages; 978-1-4653-0103-1

Members of the media who wish to review this book may request a complimentary paperback copy by contacting the publisher at 1-800-618-969. To purchase copies of the book for resale, please fax Xlibris at (02) 8282-5055 or call 1-800-618-969.

Xlibris books can be purchased at Xlibris bookstore. For more information, contact Xlibris at 1-800-618-969 or on the web at http://www.Xlibris.com.au.

Week in Review: Child Porn Arrest at Library, Proposed New Apartment Complex …
The site is currently unused, DiLorenzo said, but it was formerly the location of a Sentry car dealership. Man Wanted on Stabbing Charge Arrested After Cop Spotted Him Board Bus: A man wanted in connection to a stabbing earlier in May was arrested …
Read more on Patch.com

2012 Lexus ES350 Review by Carey Russ
The two desires can be difficult if not impossible to balance in one car, so the Lexus IS debuted back in 2000 to take care of the sports sedan side of the market, and has done so quite well. That allowed the ES to become even smoother and more …
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GoldKey Security Corporation announced that it has received PC Magazine’s highest editorial honor, the Editors’ Choice Award and a perfect Five-Star Rating. In the review, the editorial staff preferred GoldKey with Flash over all other USB security products. GoldKey with Flash is currently the only Flash Drive rated Five Stars by PC Magazine.

The minuscule GoldKey Lite Token can lock and unlock a Windows account, encrypt files and folders, provide entry to websites that support it, and more, said Neil Rubenking, Lead Analyst for Security at PC Magazine, in the review. You can now get it with 8GB to 64GB of hardware-encrypted onboard storage.

GoldKey with Flash is one of the smallest secure flash drives on the market, measuring just 12mm x 30mm x 4mm. It is also one of the most durable. The outer casing is fashioned out of stainless steel and then hardened with the same coating used on drill bits to keep them sharp. It is filled with an industrial-grade epoxy, making the internal circuitry water-resistant. Online videos show GoldKeys being submerged in water and run over by a car without harm.

In addition to the rugged form factor, PC Magazine favored the ease of use with advanced features. You can configure the administration tool to lock Windows when the GoldKey is removed, stated the review. Pull it out, Windows locks up. Put it back, you can log in. Simple!

GoldKey USB Security Tokens are used by governments and enterprises worldwide and have even been vetted by the FBI to provide Advanced Authentication as part of the CJIS Security Policy compliance strategy for Police Departments.

The GoldKey Lite version, also known as a Pre-Registered GoldKey, comes pre-registered to a GoldKey Master, allowing users to reset a lost password by answering a series of security questions through the online GoldKey ID dashboard. Features such as this prompted PC Magazine to list the products cons as None.

With the addition of encrypted onboard storage the GoldKey Lite Token with Built-In Flash becomes a truly excellent hardware security tool, concluded Rubenking in the review. “It remains our Editors’ Choice for hardware-based security.

GoldKey with Flash is available now in 8, 16, 32, and 64 Gigabyte sizes and supports both Windows 7 and Mac OS X Lion operating systems.

To read the full review from PC Magazine, visit: http://www.pcmag.com/article2/0,2817,2403082,00.asp


About GoldKey Security Corporation

GoldKey Security Corporation is the leading provider of enhanced two-factor authentication that protects sensitive data and resources for government, financial, and other organizations with its hardware and software tokens. Deployed by customers in over 40 countries, GoldKeys security tokens allow shared access to encrypted files and secure login to online resources. A Midwest USA-based, family-owned company, GoldKey provides an innovative alternative to less secure login methods with its patent-pending technology that puts control of access in the hands of its users. For more information, visit: http://www.goldkey.com

GoldKey is a registered trademark of GoldKey Security Corporation. All other company and product names may be trademarks of the respective companies with which they are associated.

Review quotes and award logos are property and/or trademarks of Ziff Davis, Inc. Used under license. Reprinted with permission.

At the New England Motor Press Associations (NEMPA) annual meeting and awards dinner held on Friday, May 11th, the 2012 WheelsTV POV of the Year Award (POVY) was presented to the 07 to 10 Chevrolet Silverado. The POVY recognizes motor vehicles that have proven themselves in day-to-day use for at least two years by providing dependable, trouble-free service and good consumer value.

This is the POV of the Year Awards third year. In 2010, the 07-10 Toyota Camry was selected. In 2011, the 06-09 Ford Fusion took top honors. Each POVY trophy is custom made for that years recipient. Last years award featured a 17 1918 Model T steering wheel. It now sits below a portrait of Henry Ford at Fords World Headquarters in Dearborn, Michigan.

This years trophy includes an authentic 17 1937 Chevrolet pickup truck steering wheel. The unique award was accepted by Laura L. Toole, Manager, Communications, GM Northeast Region. In accepting the award, Laura said, The Silverado has demonstrated for decades that it is the most dependable, longest lasting pickup on the market and this award is further proof that Chevrolet is delivering the products that more people want with the right technologies and capabilities at a true value.

The POVY was presented in association with NEMPA at a banquet at the Faculty Club of the MIT Sloan School of Management following NEMPAs annual Technology Conference. Wayne Carini, the host of Chasing Classic Cars on the Velocity Network, hosted the event along with NEMPA President Keith Griffin. Said Keith, NEMPA is proud to present this award in conjunction with WheelsTV because the previously-owned vehicle market is where most Americans buy their cars and trucks. The selection of the Silverado was an excellent choice because of its durability and functionality.”

In presenting the prestigious award, Jim Barisano stated, Fuel economy and alternative fuels are all the buzz today and every family needs a fuel efficient, reliable day-to-day driver. But, as has been the case for hundreds of years, having a solid workhorse in the barn remains essential for many families and businesses. This years POV of the Year recipient, the 07 to 10 Chevy Silverado, is exactly that, having proven itself through years of dependable service.

About The New England Motor Press Association: NEMPA (http://www.NEMPA.org) coordinates professional coverage of the auto industry in six New England states. NEMPAs 55 working media members appear on network and cable TV, on the Internet and radio, and in regional and national newspapers and magazines. NEMPA members reach virtually all of New Englands 14.5 million citizensin Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island and Vermontand they understand their audiences demographics, buying habits and automotive preferences.

About WheelsTV: WheelsTV (http://wheelstvnetwork.com) is the first multi-screen program service in the U.S. devoted exclusively to consumers interests in cars, trucks and motorcyclesserving both the enthusiast and motoring public with a wide spectrum of vehicle-based entertainment, news and information. WheelsTV tests and researches hundreds of pre-owned vehicles each year in creating the video series, POV Reviews. POV Reviews help used car buyers to select the most reliable, economical, safe and comfortable vehicles for their needs. WheelsTV is a service of Automotive Networks Corporation, headquartered in Acton, Massachusetts.

CONTACT: Lehel Reeves (978) 264-4333; LReeves(at)WheelsTV(dot)net

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Grimm Review: On My Mother's Side
Now Nick can finally learn what happened in that car crash. If it's all just a cover up, what's the deal with coins (she's clearly on the hunt for them) and this entire Wesen world he still knows nothing about. Finally tonight, we've all been …
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TopConsumerReviews.com has released their ratings for the best Zero Introductory APR Credit Cards available today.

Zero Introductory APR Credit Cards are designed for consumers who want to avoid interest charges for a certain period of time. By enjoying an interest-free grace period, people can afford a major purchase today without the expensive charges associated with a standard credit card. Most credit cards of this nature allow anywhere from 3 to 24 months to pay off the purchase amount before any fees or interest accrue.

How to choose a zero introductory APR credit card? Many consumers arent even aware of the availability of these cards from major credit card companies. However, there is a large variety of cards to choose from, and they can save a person hundreds or thousands of dollars with their spending habits. Shopping for a credit card online brings the largest selection of options to the table. When comparing credit card offers, consumers should be sure to consider the length of the introductory interest-free period, as well as annual fees and any specific penalty language. Some cards may rescind the zero introductory rate if a cardholder goes over their limit or misses a payment. Independent reviews of credit card offers can help the savvy shopper find the best credit cards available.

All too often, people find themselves in an emergency situation where they need to make an expensive car repair or replace a major appliance, but they just dont have the cash on hand to pay for it, explained Brian Dolezal, of TopConsumerReviews.com, LLC. On the other hand, many consumers long for a relaxing vacation or new furniture for their home, but feel guilty putting it on their high interest rate credit cards. A great solution to pay for major purchases, whether needed or wanted, is to use a zero introductory APR credit card. Consumers can make these purchases today, and avoid paying any interest charges for several months. This allows them to pay off the balance of the credit card without incurring any additional costs. However, these credit cards can vary greatly in the length of their interest-free grace period as well as their policies. The best Zero introductory APR credit cards give you the most flexibility with less hassle.

To find out more about zero introductory apr credit cards, including reviews and comparison rankings, please visit the Zero Introductory APR Credit Cards category of TopConsumerReviews.com at http://www.topconsumerreviews.com/credit-cards-zero-introductory-apr/.

About TopConsumerReviews.com

TopConsumerReviews.com is a leading provider of independent reviews and rankings of hundreds of consumer products and services. From the best business credit cards and credit repair programs, to mortgage refinance and free online poker, TopConsumerReviews.com delivers in-depth product evaluations in order to make your purchasing decision easier.

Broken: Cannes Review
She embarks on a timid flirtation with a local kid (George Sargeant), hanging out in an abandoned trailer near a car-wreckers yard. She also endures the bullying of the youngest Oswald girl, a terror inappropriately named Sunshine (Martha Bryant).
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Fresno car accident lawyers at The Scranton Law Firm are providing free consultations including a case evaluation to people in Fresno who have been involved in a car accident. The Scranton Law Firm provides services for no cost unless they win your case. This means that calling for information after an accident does not cost money. We provide free consultations from an experienced Fresno car accident lawyer. This helps our potential clients better understand their options without obligating them to anything. If they decide to hire us we only get paid if they get paid, says Tony of The Scranton Law Firm. According to Tony most people are scared to call Fresno car accident lawyers because they have never dealt with a lawyer before. The free consultation allows people to explore their options so they can choose the right attorney.

Fresno car accident lawyers at The Scranton Law Firm have many positive online Fresno lawyer reviews and testimonials from accident victims. It is important to choose your Fresno car accident lawyer wisely because the insurance company is unlikely to pay your claim without a fight. People pay insurance premiums to insurance companies, that is how the insurance company makes money. The less they pay to accident victims the more money they make, their job is to pay out as little as possible, says Tony. Insurance companies fear our experienced Fresno car accident lawyers and they know we mean business.

In addition to being experienced Fresno motorcycle accident lawyers The Scranton Law Firm is a full service personal injury law firm who represents victims in accident related lawsuits for all types of injuries. The free consultation applies to any types of injury. One of the most common injuries sustained in a car accident is minor spinal injury called whiplash. The Scranton Law Firm employs many experienced Fresno whiplash lawyers. Call them today to take advantage of their offer for a free consultation today.

To learn more about the Fresno accident settlement lawyers at The Scranton Law Firm please visit their website, see their customer testimonial videos or read their many positive online Fresno car accident lawyer reviews.

Scranton Law Firm

1111 Fulton Mall, Fresno, CA 93721

(559) 225-7777

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REVIEW: All-star cast delivers laughs in 'Expecting'
Fortunately, the movie takes only the title from the best-selling pregnancy self-help book it is based on; I've flipped through that bad boy and as a film it would make about as much sense as "Auto Repair for Dummies." "Expecting" instead follows five …
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Review: 2013 Subaru Outback: An all-season on/off road drive
This article reviews the 2013 Subaru Outback a highly practice crossover that can handle any kind of weather. Additionally, Subarus currently have the best resale value in the automotive industry. Subaru makes one of the best, if not the best, …
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Review: 2013 Mazda CX-5 touts fuel efficiency over power
Mazda believes that the internal combustion engine is going to continue to dominate for a long time, and instead, it's focusing on improving the conventional car through a series of technologies it calls SkyActiv. These include optimizing the engine …
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Digital Air Strike, the nations leading full-service automotive social media and online reputation management company, today announced the publication of the industrys first 2012 Automotive Dealership Social Media and Online Reputation Study. Findings demonstrate that automotive dealerships are need to increase engagement engage with car shoppers on social networks and review sites during the car buying process, as the study shows the importance placed on these networks by consumers.

The study, completed in April 2012, is the first automotive-specific study to analyze both the use of social media and review sites by car buyers during the dealership selection process while concurrently auditing how car dealerships engage with consumers on these sites. The study measured usage trends on Facebook, Twitter and Google+ while identifying the top four dealership review sites, based on consumer use and traffic.

The consumer study surveyed 275 car buyers who purchased a vehicle in the last six months. It was found that the majority of car buyers utilize social media sites during the car purchase process. The study revealed that the top four review sites used to determine dealership selection, as ranked by consumers in the study, were Edmunds (22%), Cars.com (20%), and Yelp and Google Reviews (both at 19%). Highlights include:

Full review: www.carbuyer.co.uk SEAT hadn’t built a large saloon car before the Exeo, and so it drew on Audi’s engineering expertise to help it do so. The Exeo is essentially an old Audi A4 with a redesigned exterior, so it’s not the most advanced car around, but the Exeo is exceptionally well built and SEAT’s value-orientated status means it’s big on equipment. The choice of engines is a little limited for a saloon, but the ones that there are, especially the diesels, are reliable performers. Running costs and prices are pleasingly low, too.

Since the demise of Pontiac killed the G8, reports and rumors have been flying around about the return of the Holden Commodore as a Chevrolet to the United States. Within the last couple of months Chevrolet copyrighted the name SS, and more recently the name SS Performance was listed on the OnStar website as a 2014 model. At the same time General Motors decided to retire the Impala from NASCAR racing and replace it with a different Chevrolet nameplate for the 2013 series, saying that the Chevy SS will lend its body and name to the new racecar. Many rear-wheel-drive V8 sedan fans had a spark of hope when GM announced the Chevrolet Caprice Police Car (PPV), which is based on Holden’s long-wheelbase luxury version of the Commodore and also named the Caprice. Their hopes were dashed quickly when GM made them for sale only to police agencies.

Full review: www.carbuyer.co.uk The Citroen DS5 is the third ‘DS’ offering from Citroen and is aimed at the executive segment — putting it up against models like the Ford Mondeo and Vauxhall Insignia. But the Citroen offers something different. It looks like a mix between an estate and a hatchback with a jacked-up ride height and boasts styling that’s certain to turn heads. The interior is top-notch too with options like watch-strap leather sats and aircraft style switches that sit above the driver’s head. It’s a real step up in quality and style compared to Citroens of the past. Underneath the bonnet, the most important powertrain is the Hybrid4 which — on some models claims tax-free CO2 emissions and impressive performance. A 1.6-litre diesel with 109bhp and a non-hybrid version of the 2.0 HDi also feature. The petrol options — both 1.6s — put out 153bhp and 197bhp.
Video Rating: 4 / 5

TinBu, a leading provider of interactive content for online-publishers, is pleased to announce they have released a new single panel Daily Cartoon Channel. TinBu has partnered with Jonny Hawkins to develop an interactive Cartoon Channel that is now available for online publishers to integrate into their web properties, and also for use with mobile applications and smart phones.

The newly released Cartoon Channel can be previewed at this link: http://tinbu.com/tinbu_web/comics.php

Jonny Hawkins is known as one of America’s most popular single-panel cartoonists, as evidenced by his work appearing in over 600 publications since 1986, including over 72 Chicken Soup for the Soul editions, and in numerous Cartoon-a-Day calendars that are sold nationally in leading retail outlets and online by Amazon.com.

“We work with hundreds of digital publishers, including many newspaper and television web sites. For many years we have been asked if we could provide a daily cartoon feature as part of our content offerings,” said John Brier, TinBu’s CEO. “Our partnership with Jonny Hawkins gives us access to his world-class library of single-panel comics in a wide variety of topical areas. We are excited to have developed this new channel with Jonny,” added Brier.

The interactive Cartoon Channel features daily cartoons in 11 different categories. Users will be able to see the daily cartoon for each of the 11 categories, and also will be able to review an archive of previous cartoons in each category. It total the new Cartoon Channel will feature 1000′s of Jonny Hawkins single-panel cartoons while offering online audiences fresh, new cartoon content every day.

Categories features in the Cartoon Channel include:

Church

Medical and Health

Teachers

Sports

Business

Car and Travel

Total Car Score Names 2012 Kia Forte To "Top Cars For College Grads" List
The "Total Car Score" assigned to a vehicle is an overall industry assessment that combines quantitative car reviews from various major automotive authorities, including the Institute for Highway Safety (IIHS) and the National Highway Traffic Safety …
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Review: 2012 Porsche 911 Carrera
8, 2012 photo shows the 2012 Porsche 911 Carrera S during a preview of the Chicago Auto Show at McCormick Place in Chicago. (AP Photo/Nam Y. Huh) The new-generation, 2012 Porsche 911 Carrera has the familiar, sexy shape of its forebears.
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Review: Four-cylinder Ford Escape strikes the right tone
The Escape marks our third consecutive compact SUV review, as this hotly contested segment turns over this year. That's because compact SUVs are second only to sedans in popularity, and the two groups account for 60 percent of new car sales.
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TopConsumerReviews.com has released their ratings for the best Student Credit Cards available today.

Student credit cards are geared for those young adults in college and beginning their first steps into the adult world of finance. Learning to budget and make payments on time is just another important step of becoming an adult. These credit cards typically come with a smaller credit line, but can be a great asset during a financial emergency. Importantly, student credit cards not only offer convenience and assistance, but they can help build a positive credit history as well. Responsible use of a first credit card creates a path to additional credit in the future. When ready to buy that first car or eventually purchase a first home, a history of responsible credit card use will be of great benefit during the qualification process.

How to choose a student credit card? Often student credit card applications can be seen laying around the student union or may even arrive in the mail. However, smart shoppers will compare credit card offers to find the one that best fits their needs. When looking at student credit card offers, consumers should read the fine print and be aware of any annual fees, interest rates, penalties and policies. Shopping online for a credit card offers the largest selection of options available. Utilizing independent reviews of credit card offers will help ensure finding the best student credit card available.

Its usually a good idea for students to have a credit card when they go off to college, explained Brian Dolezal, of TopConsumerReviews.com, LLC. If an emergency arises and they dont have available cash, they can use their credit card to get by. Plus, they can use their credit card to shop online or enjoy the convenience of a quick checkout without carrying large amounts of cash around. Student credit cards are designed to offer the first time credit card holder a little bit of freedom. Additionally, students that demonstrate responsible credit card use come out of college with higher credit scores than those that didnt making it easier to get car loans, mortgages, and even certain jobs. Whether youre considering a credit card on your own or with the encouragement of your parents, a good student credit card can help prepare you for the future.

To find out more about student credit cards, including reviews and comparison rankings, please visit the Student Credit Cards category of TopConsumerReviews.com at http://www.topconsumerreviews.com/credit-cards-student/.

About TopConsumerReviews.com

TopConsumerReviews.com is a leading provider of independent reviews and rankings of hundreds of consumer products and services. From cash advance reviews and ellipticals, to top rated home security systems and medical alert devices, TopConsumerReviews.com delivers in-depth product evaluations in order to make your purchasing decision easier.

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Toyota GT-86 (2012) CAR review: a second opinion
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Having nine lives may be a cat tale, but after surviving six close calls, Dr. Daniel Heer has more than luck on his side.

In his new book, Make a Good Day (published by AuthorHouse), Heer reflects on how surviving electrocution, near drowning and a runaway car, to only name a few, taught him lessons on how to live. According to Heer, these experiences motivated him to write the book, which focuses on how small, short-term changes can significantly change life down the road.

I want my readers to realize that they need to solve problems and stop making excuses, Heer says. We are given a certain amount of time on this earth and we need to make the best of it.

I know it sounds weird at first, but flossing with toothpaste is actually the tip to lifelong healthy teeth, says Heer, a practicing dentist for over 35 years. Every tip in this book leads back to one self-actualizing truth–people can change. Youre your own boss so make your own good day.

For more information, visit http://www.amazon.com/Make-Good-Day-Daniel-Heer/dp/1456794787

Make a Good Day

By Dr. Daniel Heer

ISBN: 978-1-4567-9478-1

Hard cover, retail price: $ 21.95

Soft cover, retail price: $ 12.49

Amazon e-book price: $ 9.95

About the author

Dr. Heer served in the USAF as a weapons mechanic for four years. After leaving the air force, he taught high school biology for five years before going to dentistry school. Now in his early 70s, he has been practicing dentistry for over 35 years. When he isnt working or writing, Dr. Heer enjoys bird hunting, welding and tennis, among other things. He and his wife Sandra have four children and six grandchildren and currently reside in Mission Viejo, California.

EDITORS: For review copies or interview requests, contact:

Lauren Cascio

Phone: 317-366-7897

Email: lcascio(at)bohlsengroup(dot)com

(When requesting a review copy, please provide a street address.)

The Greatest Car Review Detail Ever
Getting to this place meant running a gauntlet of agressive tranny hookers, but it was all worth it, as I found a pristine copy of one of the greatest auto review magazines ever published: a February 1967 copy of Road Test. What makes Road Test great …
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Many people in todays workforce dont think about disability until an illness or injury prevents them from working. But being knowledgeable about disability insurance is crucial to any persons financial plan, according to Allsup, which has helped tens of thousands of people receive their Social Security Disability Insurance(SSDI) benefits. During May, Disability Insurance Awareness Month provides an opportunity to remind people to evaluate their insurance needs and planning in case they can no longer work because of a severe disability.

Many people are more aware of the value of life insurance and health insurance than disability insurance, said David Bueltemann, manager of senior claimant representatives at Allsup. If we assume that someones working career may extend for 30 to 40 years or more, theres a significant chance of experiencing disability with an injury or severe illness.

The Social Security Administration (SSA) estimates that up to one-third of Americans are likely to need disability insurance sometime before their retirement years. The Council for Disability Awareness reports that one in three workers have private disability insurance through an employer or private plan. A majority of workers, about 100 million, do not. In addition, nearly 153 million people are insured for Social Security Disability Insurance through their FICA taxes.

Its true that many workers disabilities may be short-term stoppages, for a few months, but thousands more experience longer periods out of the workforce, Bueltemann explained. For example, someone in a car accident that requires two or three years for recovery and rehabilitation still may need the support of disability insurance until they can return to work.

Social Security Disability Benefits: Whats Involved

On average, more than 200,000 Americans apply for SSDI each month. More than 225,000 people filed for benefits in April.

We find many people learn about Social Security Disability Insurance after they become disabled, Bueltemann said. Prior to that, they simply never considered the possibility that they might experience a disability, or didnt take the likelihood too seriously and didnt make any financial plans.

He added that most people are not familiar with SSDI unless they have a specific need to know about the benefit. SSDI is funded by payroll tax withholdings and is a federal disability insurance program managed by the SSA. A portion of withheld FICA taxes provides for SSDI, Social Security retirement and Medicare benefits.

SSDI provides monthly benefits to people unable to work because of a severe disability that will last for 12 months or longer, or is terminal.

The SSDI program also provides some little-known added benefits, including automatic Medicare coverage two years after being awarded cash Social Security benefits, as well as Medicare Part D prescription drug coverage eligibility. Beneficiaries also benefit from a freeze that protects their retirement benefits while receiving SSDI. The program also has a provision for dependent benefits and return-to-work incentives.

Many workers dont realize they have already paid into the federal disability program with their FICA withholdings during their working years, Bueltemann said. People know they are being taxed, but the education is not there about exactly what these withholdings are for, he added.

A persons inability to work is the determining factor in receiving SSDI benefits, but theres much more to it. There are strict requirements to qualify for the disability insurance program, including medical documentation of the disabling condition. The application process is lengthy and cumbersome, Bueltemann said. Applicants with an experienced Social Security disability representative such as Allsup can benefit from determining their potential eligibility and improve their chances for an SSDI award earlier in the adjudication and review process. Its not uncommon for claimants to wait one to two years to receive SSDI benefits.

Choosing an experienced representative such as Allsup to guide you through the process will lessen the stress and improve an applicants chance for an SSDI award in less time, Bueltemann said. The SSA denies two out of three initial applications. On average, Allsup helps more than 50 percent of claimants who are initial applicants to receive their benefits without having to pursue a disability appeal.

Find help and information about Social Security disability benefits by contacting Allsups Disability Evaluation Center at (800) 678-3276 for a free SSDI evaluation.

ABOUT ALLSUP

Allsup is a nationwide provider of Social Security disability, Medicare and Medicare Secondary Payer compliance services for individuals, employers and insurance carriers. Founded in 1984, Allsup employs more than 800 professionals who deliver specialized services supporting people with disabilities and seniors so they may lead lives that are as financially secure and as healthy as possible. The company is based in Belleville, Ill., near St. Louis. Visit http://www.Allsup.com or connect with Allsup at http://www.facebook.com/Allsupinc.

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Helping Seniors Drive Safer, Longer
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Movie review: 'Battleship'
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