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This information will be available in either your actual Disability insurance contract or in a Disability insurance proposal illustration. It is important to fully understand the differences between these definitions since they describe the circumstances in which you are eligible for a claim. If possible,[link widoczny dla zalogowanych], be sure to choose a policy that protects your specific occupation and not just any occupation. If you are only being offered Any-Occupation coverage,[link widoczny dla zalogowanych], ask your agent to check for available riders that change it to Own-Occupation coverage.
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Disability insurance is a financial product designed to protect a person’s ability to earn an income. If an injury or illness prevents you from working,[link widoczny dla zalogowanych], a Disability insurance policy will provide you with a monthly benefit to replace a percentage of your income. Disability coverage can normally be obtained both in your work place (premiums paid either by your employer or you),[link widoczny dla zalogowanych], and also on an individual basis. Traditionally, insurance companies will provide up to 60% income replacement,[link widoczny dla zalogowanych], but higher earners will be capped at a lower percentage of coverage.
Insurance companies use three different definitions of disability to describe the circumstances in which a policy owner is eligible for a claim. Although every insurance company will use their own version, the concepts will remain the same. The three different definitions of total disability are:
The Pure Own-Occupation Definition of Total Disability – considers a claimant totally disabled if he/she is unable to perform the material and substantial duties of his/her occupation due to an injury or illness,[link widoczny dla zalogowanych], even if gainfully employed in another occupation.
The Modified Own-Occupation Definition of Total Disability – considers a claimant totally disabled if he/she is unable to perform the material and substantial duties of his/her regular occupation due to an injury or illness, and cannot be gainfully employed elsewhere.
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One of the most important things to understand about Disability insurance is how an insurance company determines your eligibility for a claim. Insurance companies do not just look for specific types of illnesses or injuries and decide on eligibility. Instead they look at the affect an illness or injury has on a person’s ability to perform their job. If there is no negative impact,[link widoczny dla zalogowanych], then a claim will not be paid, but if the illness or injury prevents a person from being able to work, then a claim is likely to be paid.
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PROGRAM/OFFER: During the initial consultation, review the program offer, the structure and results/outcomes. The length of the program, how the components will be delivered and what will be covered during the program need to be clearly defined and available in writing to the client.

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We were able to pack most of my essentials and a few of the things I can’t live without in that 30 minute time frame. Could you?
4.Take pictures of each room of your home or business just in case you need this information for insurance purposes. Be sure to get close ups of any serial or model numbers. Open up those drawers and cupboards and take pictures of the contents! Hopefully no one ever will ever see these pictures,[link widoczny dla zalogowanych], but if you are required to prepare an inventory list for insurance purposes you will be way ahead of the game. Put those pictures in your permanent file cabinet, or download them to a special CD marked “Inventory”, date it and file it in the permanent file folder.
2.Know where your checkbook and current bills are located. If you pay all your bills online,[link widoczny dla zalogowanych], then make sure you have your check register and some hard copy checks in an accessible spot. Make sure other people, such as spouses or business partners, are aware of the location of this information. If this is usually kept under lock and key (a wise business move), then be sure you know the location of the key to that drawer or file cabinet! In cases of emergencies, it’s easy to become rattled and temporarily forget important things such as combinations to locks and security codes.
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We’ve had a couple of large forest fires in the canyons near our home and business in the past few months. Yes,[link widoczny dla zalogowanych], forest fires even happen during the winter! In one fire over 3,[link widoczny dla zalogowanych],000 people were given 30 minutes to pull together their personal and business belongings before they were required to vacate. They were kept out of their homes and businesses for 5 days before the fire danger abated.
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3.Take out your wallet right now and photocopy all of your credit cards, insurance cards, library card,[link widoczny dla zalogowanych], and anything else in your wallet. Be sure you photocopy both the front and back of each card. Put this list in your permanent file cabinet. Strange things happen in cases of emergency, and some people have found they’ve left behind important things, such as purses and cell phones,[link widoczny dla zalogowanych], so be prepared!
5.Have a fire drill. You don’t need to pack everything up and vacate the premises, but look around your office and think about not being able to get back into your office for the next week. What would you miss most? Assume that your office’s computer network would be inaccessible and your phones may not work if the power is off. Would you be able to access email? Pay your vendors? Order supplies? Speak with clients? Design a contingency plan and commit to implementing it within the next three months.
Our area is prone to forest fires; other areas of the country are plagued with tornados,[link widoczny dla zalogowanych], floods or earthquakes. What would you do if you were given only 30 minutes to gather up your belongings before being forced to flee? Here are some tips that will make this process less stressful and maybe even give you time to grab a couple of extra personal objects.
1.Have a dedicated file cabinet or drawer for all your permanent financial documents. This tip applies to both your personal and business financial files. Gather your permanent business documents such as your last three years tax returns, budgets and year end financial statements and put them in this drawer. Include back up CDs of your computer’s hard drive, IRS notice of tax ID number, a copy of your sales tax license,[link widoczny dla zalogowanych], insurance policies and any other permanent documents that are applicable to your business. Personally, be sure to include your social security card, any military service documents, passports, immunization records if you have children at home,[link widoczny dla zalogowanych], your homeowner’s and car insurance policies and a list of all medical conditions and any prescribed medications for family members. If you have a diabetic in the family, or someone with another condition requiring medication, you might want to have an emergency supply kit on hand. Be sure to include a list of all your bank accounts, security codes,[link widoczny dla zalogowanych], passwords and the key to your safe deposit box. Now that you have all the physical documents in one place, commit to converting these documents to .pdf files and copying to a CD for off-site storage. Within the next year or two, cloud storage will offer more secure options and may well be a choice to consider,[link widoczny dla zalogowanych], but for now,[link widoczny dla zalogowanych], off-site storage may be your best choice.
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The Korea International Broadcasting Foundation,[link widoczny dla zalogowanych], which operates the new station,[link widoczny dla zalogowanych], held a ceremony to celebrate the launch of Arirang FM at its base in southern Seoul. In attendance were about 150 guests,[link widoczny dla zalogowanych], including Prime Minister Goh Kun.
Residents and tourists tuning into the station will be able to enjoy 18 hours of daily programs,[link widoczny dla zalogowanych], from 6 a.m. to midnight,[link widoczny dla zalogowanych], offering a wide range of contents including the latest news,[link widoczny dla zalogowanych], music and English education. The service is expected to be expanded to the Seoul area by next year. (Arirang TV)Related articles:

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Kim said that the idea was embraced enthusiastically by other friends and by an inauguration ceremony, they had accumulated more than W1 million. Kim said the money will be sent every year to an international organization to help children in need.

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“Fear of abandonment” is at the root of many psychological hang-ups. Any therapist will tell you that jealously, insecurity, aggressiveness, lack of intimacy, low self-esteem or any other emotional imbalance will ultimately have a basis in “fear of abandonment.” How can we not hold deep fears if we were abandoned in the one place we should have been safest, by the one person who should have valued us more highly than anyone else?
There are many reasons for single parent homes. What is, is. As I mentioned, this page is not about guilt, resentment or shame. I simply need to bring to your attention the fact that the time has come to stand up and be counted. Much can be explained and probably should be, but at the very least we all need to know that we matter, and we all need to hear that we matter from our parents. Likewise, we, as parents, need to hear that we matter to our children.
This page is absolutely not about guilt or shame. It’s time to stop pushing down our resentment; time to step out of our denial and find our voices.
My niece will never have her own childhood memories of her father. We will share our memories of him with her and hope that they help her to understand whom her father was, but for millions of others, those childhood memories of an absent parent are available as something other than the shared memories of others. Absent parents should make themselves available to participate in the creation of their child’s memories. Reading this now you may be holding back some information that could complete someone. Why not make the time to share that information?
In my opinion Generation X is going to be the generation that will change the world.
Please don’t become overwhelmed with trying to explain yourself. If you can find the words to make sense of everything that happened or everything you felt then that’s great and will be really helpful, but, it’s not the important part of the message. If you really cannot find your voice then simply write this and send it.
Our children are now referred to as Generation X-ers. Generation X-ers are portrayed in the media as being: Feral, violent, materialistic and lazy. While there may be an element of truth to the media’s portrait of these children, high unemployment, homelessness, drug and alcohol abuse, and mental health issues have predictably influenced and affected Generation X.
Although many men do not voice their expectations of themselves as fathers, I believe that most men have a deep desire to be exceptional fathers. From the moment a man is told that he is going to be a father he starts to plan the “ball games.” He imagines protecting his daughter from boys like himself. He starts planning for the child’s education and often he states out loud what occupation his child is likely to take up (usually his own). You often hear a father refer to his future business as “Me and Son.” He envisions his son having everything in life that he did not; becoming the Champion athlete that he was not. His daughter is going to be the most beautiful in the land - his daughter, his princess.
It is my intention to point out that the absence of a connection with a parent during a child’s formative years can be extremely detrimental to that child and result in feelings of abandonment that cause resentment and rebellion in later years. Grown ups are kids too, you know, and can suffer a similar sense of abandonment when their child becomes estranged from the family. We tend to overlook the immense pain and loss a parent feels when they become estranged from their child. There are, of course, many households in which all family members are physically present but abandoned none-the-less.
Earlier I mentioned that three men that I knew had recently begun making attempts to reconnect with their grown-up daughters. Each of them had said, “I want to get to know my child but I don’t know what to say. These men had effectively put their child on hold for 20 some years.
I mention the “stolen generation” here because I see a similarity between Aboriginal children, during this era, being denied access to their culture, language and customs by removing them from their family environment and modern day children being denied access to their absent parent. It is only now that Australian’s are beginning to understand the ramifications of the Government’s actions in that era. Basically, we now have an entire generation who had their childhood memories stolen and who are demanding that the country formally apologise. They demand to be told, “We are sorry.”
The children of the 1970’s and 80’s have become young adults and we may well refer to them as “the abandoned generation”. Could we now have over 100 years adding up to this one common denominator: I am sorry,[link widoczny dla zalogowanych]?
“I have been wanting to write to you for most of my life, but I did not know what to say.”
She is in her early 20’s now: an age when most of us look back and try to connect the dots; an age when we try to know and understand ourselves by reaching into our history. This is an age when we start to consider how our personality, talents and emotions play into who we are. We are more aware of our “gene pool” and wonder how much of “who we are” is a product of that genetic pool. We wonder if having a better understanding of our parents will allow us to better understand ourselves.
Maybe your ex became a real loser or perhaps he was even dangerous? Whatever the circumstance, it’s vitally important to remember that your child has genetic links with this man and will be, in part, a reflection of those genes.
It’s certainly common for society to label absent fathers as selfish, irresponsible and even redundant forces in their child’s lives. While this may be true of some absent fathers, I don’t believe it is the predominant truth of all absent fathers. As my father used to tell me, “I did the best I could, at the time I was in, with the limited understanding that I had.” Or to put it more succinctly: If I had known better, I would have done better.
Men often spend money on or joke with their children and consider this is communicating. Children will certainly take advantage of the money but don’t kid yourself that you have connected.
We need to reconnect and we need to talk and listen,[link widoczny dla zalogowanych].
To a large degree, baby boomers swung too far from the centre and it appears that Generation X is now trying to deal with the fallout. Many have been wounded. Some have been broken. It’s time to find an equitable balance between the old family values and the new freedoms.
Don’t let this happen to you. Put simply: Cut the crap. Speak with open, honest words from an open, honest heart, and do it now. Simple phrases like, “I am sorry,” and “I love you and you matter to me,” speak volumes. Maybe you will stumble and maybe you will fumble but even the smallest effort will reap enormous rewards.
By Sonya Green
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I am using the term “absent father” here for convenience. The term “absent parent” could, and should, be substituted throughout. My definition of “absent” is not restricted to “physically not there.” It extends to include emotionally, financially and spiritually, not there.
I believe a revolution is taking place in which absent fathers, who have been silent and whose role in a child’s life has been minimized for far too long,[link widoczny dla zalogowanych], will be “stepping up to the plate,” demanding that they be included in their child’s memories.
I remember a male friend of mine who had a falling out with his brother. They went two years without contacting each other. They met up at a party and stood nearby each other for a long period of time without speaking. Finally they did speak and by the end of the party it was obvious that everything had been sorted out. I asked my friend what had been said to bring them back together. He said, “Nothing,[link widoczny dla zalogowanych], we were just talking.” I asked what they had talked about and he said “football.” (Women find this a strange phenomena – It’s the male version of “secret women’s business”)
We all need our childhood memories. They are as necessary as our vital organs. Without them, we are incomplete. In the absence of real memories, we tend to adopt imagined memories.
I often refer to this story as “2 dogs peeing on a tree.” Men seem to speak without talking and think they have covered everything. It is rarely good enough and certainly never good enough if you are communicating with females or children.
Recently, in Australia, there has been a great deal of media exposure given to the “Stolen Generation”. The term “stolen generation” refers to Aboriginal children who where taken from their parents by the Australian Government, in the late-1800’s through the mid-1900’s, and either placed with white anglo-saxon families or in government orphanages. My limited understanding of this is that the Government’s actions were intended to breed out the Aboriginal race – a form of genocide. (I’m sure some people will take offence at this comment, but, what the hell, it is “my” understanding.)
Many women have been devastated by the breakdown of their domestic partnership, marriage or otherwise, and are extremely hostile towards the father of their children. Some women don’t know who that father is, and let’s face it, some women are in a situation that requires no contact with that person.
Generation X is looking for its fathers and they will not be silenced. They demand answers. They are educated and informed and they will look you in the eye and ask you point blank what they need to hear. Now if you think for one moment that you can get away with that sad story you have prepared, you had better think again. Responses that begin with “when I was a boy” and end with a moral, will not be accepted by this generation as reasons for doing or not doing something. These people know what truth is; they expect the truth. They have laser eyes that will penetrate you if you try to give them anything less than the truth. These children want and need their childhood to make sense. They need their memories.
Simple things like the music, movies and books he liked, his facial expressions and the sound of his laughter. See if you can find photographs. Ask his family for some. If you don’t already know,[link widoczny dla zalogowanych], find out about his parents and siblings; who his friends were; where he grew up. Did he play sports or a musical instrument? What did he like and how did he do in school? There is so much that can be filled in for your child, if you allow it.
Recently, I was contacted by one of my brother’s daughters. She explained that she felt her life was a jigsaw puzzle with many missing pieces. She felt that her memories of her father were a combination of her imagination and her mother’s memories, and that this created a very incomplete picture of him. She asked me to share some of my memories with her, in hopes that this would create a more balanced picture of the man her father was.
Ideally, contact should be made with the father and all hostility put aside. This should only be about the child and not about the adults. If a meeting cannot be arranged, then perhaps a letter can be. Contacting the father’s family can also provide a lot of information. If all this is totally out of the question, then at the very least, you should make time to sit down with your child, and, putting your animosity aside, try to give your child a fair understanding of who their father is or was, and what he is or was about.
My mother, sister and myself have been gathering, talking and writing down as much as we can remember about my niece’s father. It has opened up a lot of sadness but so much joy as well. One memory will set off another and so much of what we have laid to rest and left unspoken has been allowed to re-surface. Pain has a way of being pushed so far down that we sometimes forget it’s there. Of course, it is always there, just below the surface, and in many ways, it continues to choke us. Self-preservation is often the core reason for denial.
Just as childhood memories are a part of “who we are”, and their absence leaves us with a sense of being incomplete, it might be, for those of us who are parents, that parental memories, or their absence, leave us with an equal sense of being incomplete.
If this is still too hard then send me your name and the address of the person you need to reach and I will send it for you.
Unfortunately, we gained these freedoms at the expense of traditional family values. Generation X is the baby boomers legacy. Generation X: the abandoned generation - the fatherless generation.
Children rarely find their father’s jokes funny. Lectures are never considered to be “good advice” and fathers are rarely, ever “cool.” Have you ever noticed that when you think you are being “cool,[link widoczny dla zalogowanych],” your daughter’s lip curls up and she rolls her eyes upward? This is child speak for “You’re such a dag.”
Please understand that I am not talking exclusively about absent fathers. Of course there are absent mothers, and sometimes, both parents are absent. There are unique issues with adopted children and, more recently, with sperm bank children, that can’t be addressed by contact with the absent parent, and it’s not my intention to provide suggestions or solutions for those situations here.
My brother was killed in a tragic accident in his early 30’s. His pregnant wife and three daughters, under the age of 5, survived him. Many lives were profoundly changed as a result of his death.
This was a fabulous time and we benefited greatly. We prospered. We were more knowledgeable about the world around us and we were healthier. We had freedom of movement, speech and expression. We made our own music and had fun, fun, fun.
When my Dad comes back he will tell me he Loves me.
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My brother was a highly ethical man who had very concrete ideas about family and what his role in a family would be. Like many men, he intended to re-write his own history and be the father that, perhaps, his father was unable to be. Being a man’s man he would have fulfilled his role as family protector and provider. More than this,[link widoczny dla zalogowanych], though, he had envisaged his marriage as an equal partnership. Without doubt, he aspired to be the kind of father that all children need and want and I believe he would have been the kind of father that most men dream of being.
I am sorry, I love you and you have always mattered to me.
When my niece first contacted me she started the letter with:
Author&#039,[link widoczny dla zalogowanych];s Bio:
Deep within us all is the need to love our parents. We need to know that, above all else, our parents love us. Without this, there is “a Soul Emptiness,” a disconnection from our selves.
In the 1960’s, the “baby boomers” decided to completely turn this concept of family life upside down. They challenged authority and rebelled against those ideals that did not make sense anymore. With the introduction of the pill, came the freedom of multiple partners, and the decline of family values. Play became as important as, if not more important than, work. Rather than living with our parents until we married, we moved out of the family home to live with friends or significant others. We had little interest in participating in, or taking over, the family business. We travelled and indulged our senses. We strove for higher education. As parents, we stopped teaching our children by “strapping them” into behaving appropriately. We explained things to our children and listened to their responses.
In most cases, this man was good enough to sleep with and at sometime you saw something special to him. Put everything else aside for a moment and recall what that was.
Just prior to hearing from my niece, I had been talking with a couple of men, who, after a long absence, had returned to town and were attempting to reconnect with their now grown-up daughters. I am not sure why or how I became engaged in these conversations (probably because I was being led to write this page), but three different men, in three slightly different circumstances,[link widoczny dla zalogowanych], had the same agenda: To get to know their 20-something year old children. Or, perhaps, they needed to allow their children to get to know them. I believe that in their own way, each of these men was seeking to complete that same jigsaw puzzle that my niece referred to.
Many men have reached an age or a level of maturity now and the children have become young adults. That deep-seated longing within them both has finally become a compelling force leading them to re-connect.
Copyright Sonya Green 2004 [link widoczny dla zalogowanych] webmaster@reinventingmyself,[link widoczny dla zalogowanych].com
Bad behaviour is not genetic. Bad behaviour stems from experiences and is a learned response. The basic nature of the beast is pure and loving.
Historically, family life followed a natural course: do as your forefathers did. Children did not have a voice; they did not ask questions; and they did not challenge the way things were done. Children,[link widoczny dla zalogowanych], as they said, “should be seen and not heard.” Your parents set an example and you followed that example. If you were miserable, confused or unfulfilled,[link widoczny dla zalogowanych], you kept your mouth shut and “did the right thing.”
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Paul and David quickly and enthusiastically agreed to this solution. Slowly, John nodded his head, briefly looking me in the eyes. Mrs. Brown never took her eyes off of John, but simply turned and walked back to her own car placing a hand on John’s shoulder for guidance.

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Actually starting an organizing project might be the toughest aspect of the job. I know people who have groaned about their messes for years, but are so overwhelmed by the seemingly insurmountable work that they are rendered incapable of doing anything.
If the prospect of organizing is akin to a trip to the dentist, start with a small space. If cheap psychological tricks—like rewarding yourself for a job done—work, employ them. Conversely, do not try to organize a space so large that the project could take weeks—forcing you to look at depressing piles of things waiting to be organized or removed. Take that large space and divide it into easily managed projects.
Instead of focusing on your entire home, decide what single space in your house bothers you the most. What space haunts you in its need for an organizational overhaul? The space could be as small as a single junk drawer in your kitchen or as large as your two-car garage that is filled with several generations’ worth of cast-offs.
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The truth is, saying that an object has sentimental meaning is usually just an excuse not to deal with getting rid of it. Besides,[link widoczny dla zalogowanych], how many times are these revered objects actually looked at; most of the time they are simply gathering dust in the garage or in a closet. You might have to get tough on yourself. Meanwhile,[link widoczny dla zalogowanych], I am serious—if a never used object has meaning to you, take a picture of it and save the memories in that manner.
Getting rid of things you no longer use or like is essential. You might be holding onto stuff for sentimental reasons. My neighbors have an ancient boat and an old Dodge Caravan that have been sitting on their property as major eyesores for years. My neighbor admitted to me that he is holding onto the boat for sentimental reasons—that it was his family’s boat. To that, I said nothing…but I have sworn that the next time the subject comes up, I will say: “OK, then fix it up, use it and have new memories—or,[link widoczny dla zalogowanych], take a photograph of it and dump it!”
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