3 Benefits of Disability Income Insurance

There are many benefits you can gain from eligible employment, including health insurance, access to a 401k and more. One of these benefits, that isn’t always utilized, is disability income insurance. Here are three benefits of disability income insurance.

disability income insurance

1. Having an Income Safety Net

The main reason to make sure you have disability income insurance is to have an income safety net in the event you become too injured or ill to work. If either of these situations happens to you, this type of insurance will help ensure you’re able to maintain your standards of living, including paying bills, buying groceries and avoiding burning through your savings while you recover.

2. Covering Medical Bills

Not only can this insurance provide you with a safety net, but it can also help you cover any medical bills your regular health insurance provider can’t or won’t cover. You may be able to get this type of coverage from your employer or as part of a government worker’s compensation program. Remember, depending on your plan, your medical bills may only be covered for accidents or injuries that occur at work.

3. Accessing Two Types of Insurance

There are two main types of disability income insurance: short-term and long-term. Short-term disability tends to cover lost wages if an employee needs to miss work for a relatively short amount of time, typically a year or less. Long-term disability refers to plans meant to cover employees who will be unable to work for a year or longer. In some cases, they may cover employees for life. Typically, long-term disability coverage begins after short-term coverage runs out.

Some jobs are more likely candidates for disability income insurance to be important, particularly those requiring manual labor or work in dangerous conditions. However, having income insurance for desk jobs is just as important, due to certain illnesses or non-work-related injuries that can impact your income.

3 Common Household Problems That Could Hide From Plain View

Many homeowners rely on obvious signs to note a problem with their house. However, some significant concerns start silent, giving only minor hints that something is amiss. By the time a considerable symptom arises, the damage could be severe. 

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What can residents do to arm themselves against this chaos? Remain aware of common issues and how to spot subtle signs of trouble. The following are three areas to remain vigilant about.

1. Leaky Pipes

Over time, plumbing lines suffer from wear and tear, rusting or experiencing holes. The fluid then slowly drips out, entering the drywall or surrounding materials. Owners may not recognize the exposure at first; it’s often behind the walls, hidden from the viewpoint.

A strange, musty odor may develop, or you may see stains on the walls; don’t wait; these indications signal a need for commercial plumbers San Jose CA, to investigate the system. Correct it early to avoid doing a more extensive water restoration project. 

2. Mold Growth

When water lingers in an area with organic material, it could trigger fungus reproduction. Spores thrive in the dark, damp locations, so closets, air conditioner units, walls and attics become likely possibilities. You may not observe the early stages because you don’t enter the spaces often. Check rooms often, and try to keep things dry.

3. Damaged Shingles

The roof can easily incur harm. Wind and rain can disturb the coverings, moving them out of place or bending them. These vulnerabilities expose the interior to water. Avoid long-term complications by having specialists survey the rooftop at least once a year.

Just because you can’t see a concern doesn’t mean it isn’t there. Arrange for regular inspections and proactively keep an eye on specific areas. Plumbing lines, dark, wet rooms and the roof are all susceptible to quiet troubles. Check them regularly to catch things early.

Repairs After a Storm

It’s your worst nightmare: you hear a strange, loud noise coming from your phone and when you immediately go to check what’s going on, see that there’s a severe tornado warning in your area due to the powerful thunderstorm that’s passing through your town or city.

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You almost can’t believe your eyes because you’ve never even heard of tornadoes forming in your area! You wonder if it’s truly possible, when suddenly you hear a loud noise coming from outside. It’s become reality: there’s a small tornado outside your home and it’s causing structural damage to your house. What now?

Get the Needed Repairs

In a scenario like this, it’s incredibly important for you to get your home the necessary storm damage repair Killeen TX as soon as possible. You might consider putting this off, but you really shouldn’t! That’s because another natural disaster could occur at any moment, and leaving your home with unrepaired damages exposes you to more harm during such catastrophic events.

As seen in the example above, the weather can be very unpredictable. You never really know for sure what might happen years, months or even weeks down the line. That’s why you should take care to make sure that your house is as structurally sound as possible so that when these freak weather events occur, you have no regrets and can be as safe as possible.

Prepare for the Unexpected

The weather’s unpredictability means that typical weather events that you’re used to could become harmful sometime in the future. A bigger snowstorm than usual could impact your area, for example.

Even worse, weather events that you’re completely unused to could affect your area sometime in the future as well. The best thing you can do to keep yourself safe is to make sure your home is always as structurally sound as possible.

Building an On-Demand Medicine Delivery Service Like CVS and Capsule

Today, plenty of products and services are available online. People can place their orders, make payments, and then just wait for products to be delivered. Ordering medicines on the Internet is possible as well. Creating a convenient medicine application may turn into a pretty profitable investment because this will help increase sales. 

What Is a Medicine Delivery App?

Such applications allow customers to pick and purchase medications right from the comforts of their homes. Customers can upload their prescriptions, contact a consultant, find attractive discounts, and more.

Helpful statistics on the medicine delivery app market are available here https://agilie.com/en/blog/how-to-create-an-on-demand-medicine-delivery-service-like-capsule-or-cvs. You can see for yourself that the demand for such services keeps increasing year by year. 

The thing is that the use of special medicine applications is highly convenient.

Here are the main benefits of doing that:

  • Customers do not have to travel to any land-based pharmacy.
  • No need to be waiting in the queue.
  • An opportunity to find the right drug.
  • The possibility to catch attractive discounts.
  • Instant help from specialists.
  • Availability around the clock. 

Of course, the popularity of such an application depends on its quality. 

What Are CVS and Capsule?

CVS is a convenient pharmacy app. It has a nice red and white design and allows accessing a variety of features, such as:

  • Mobile payments
  • ExtraCare
  • Prescription information
  • Refill/pickup options
  • Curbside Pickup services

There are separate versions for iOS and Android users. 

Capsule is an easy-to-use application that can be used to order medications and get them on the same day. It allows uploading prescriptions quickly and using different insurance plans. 

How to Build a Popular Medicine Delivery App?

There are lots of things that you will need to think through to offer a high-quality application for your users. In particular, you should take into account the following matters:

The Type of Application

You have two main options. The first one is offering services from a particular pharmacy. This option is suitable for owners of online pharmacies who want to attract more customers. 

You can also work as an intermediate. In this case, you can offer products from a variety of pharmacies. 

Mobile Platform 

Android and iOS are the two most popular mobile platforms. The applications for each of them are developed separately because they need different programming languages and tools. 

You can create applications for both platforms or choose one of them. Another option that you have is to develop a cross-platform app that will work on different platforms.


It is essential to pack your application with useful features, which will ensure a brilliant user experience. 

Some features for shopping may include:

  • Registration
  • Account management
  • Upload prescription
  • Advanced search
  • Filters
  • Medicine details
  • Drug ordering
  • Online payment
  • Reviews and ratings
  • Contact options, such as a live chat 

Features for delivery include:

  • Tracking system
  • Delivery updates
  • Push messages
  • Others 


The design is about choosing the theme, colors, and layout. It is essential to make sure that all the elements are clearly visible, navigation is convenient, and color choice is not frustrating. You can have a look at similar applications to get the right ideas on that. 

Development Company 

Once you have the main ideas, you need to find a professional development company that will be capable of fulfilling the project for you. 

The development process will consist of the following stages:

  • Design
  • Development
  • Testing
  • Launch

Earning Money 

The main source of income will be through purchases made within the app if you are the owner of the pharmacy. If you are an intermediary, you can earn commissions from businesses, advertising, referral programs, and more. 

Bottom Line 

Building a high-quality medicine delivery application can be pretty profitable. You do not necessarily need to be an owner of the pharmacy to earn money from selling medicines. If you have a pharmacy, building a good application will surely help generate more money.

Making a Personal Injury Claim for a Traumatic Brain Injury

St Petersburg Personal Injury Attorney

If you believe that there is something wrong, it is a good idea to contact a personal injury lawyer. You are entitled to compensation for your pain and suffering, whether it was caused by someone else.

You can prove the negligence of the other party with the help of a personal injury lawyer. A personal injury attorney will also help you build a strong case and take on the insurance companies and their army.

You may be eligible for compensation if there is a link between the accident and your injuries.

  • Medical bills
  • Lost wages
  • The two most painful things in life are suffering and pain
  • Future earnings lost
  • Functioning loss
  • Loss of spousal companionship
  • Emotional distress

Facts about Traumatic Brain Injuries

  • Traumatic brain injury prevention
    Tragic brain injuries are a common result of accidents. They are not discriminatory and can affect anyone, including children and adults.
    However, there are steps you can take every day to reduce the risk.
    • ALWAYS wear a seatbelt
    • Drive safely
    • When you ride a bicycle, motorbike, or play sports like baseball or football, make sure your helmet fits properly
    • Install child safety gates at each step.
    • Make sure your home has enough lighting
    • Handrails can be installed on your staircase and in your home.
    • Clearing obstructions and pathways can reduce the chance of falling in your home.
  • Common Misconceptions about Traumatic Brain Injuries
    • A concussion is not sustained if someone doesn’t lose consciousness.
    • They were able to walk and act normally after the accident so they did not sustain any brain injuries.
    • There were no obvious signs of injury so there wasn’t a brain injury.
    • The impact of the car accident caused a head injury because it was too slow and too weak.
  • For Traumatic Brain Injuries, contact a Personal Injury Attorney
    You or someone you love has suffered a traumatic brain injury as a result of an accident.

This post was written by Kelly-Ann Jenkins of Jenkins Law P.L. Kelly-Ann is an St Petersburg Personal Injury Attorney She focuses on personal injury, car accidents, and bicyclist injury. The information on this site is not intended to and does not offer legal advice, legal recommendations or legal representation on any matter. Hiring an attorney is an important decision, which should not be based on advertising. You need to consult an attorney for legal advice regarding your individual situation.

The information provided on this website does not, and is not intended to, constitute legal advice; instead, all information, content, and materials available on this site are for general informational purposes only.  Information on this website may not constitute the most up-to-date legal or other information.  This website contains links to other third-party websites.  Such links are only for the convenience of the reader, user or browser; the ABA and its members do not recommend or endorse the contents of the third-party sites.