Living On A Reduced Income — Meeting Your Insurance Needs When your income changes, re view your insurance coverage. If your income decreases because of a layoff, illness, disability or pre mature death, your family may find it extremely difficult to pay insurance premiums. If you are not able to make a payment, deter mine your minimum needs for in surance. Then, call or write the company to check into a different payment plan that allows you to keep your coverage. Or, investi gate plans with lower premiums. Insurance is the primary way you protect yourself against finan cial loss caused by illness, acci dents and other destructive or da maging events. Through insurance you pool your risk with others. You pay (or your employer pays for you) a premium to an insur ance company that in return pays for the damaging effects of a large loss if it occurs. For some risks, you may decide to accept or share the risk. Sav ings, instead of insurance or main tenance contracts, could be used to pay a variety of unexpected ex penses such as burial expenses and repair of major equipment Using deductibles (the amount of money you agree to pay per claim before the insurance company pays for a loss) is a way to share risk. If you are married, another way to share risk is to make sure both spouses are employable so Technol We watch over every step in the manufacture, assembly and construction of your building. Morton operates five manufacturing facilities, strategically located to serve you efficiently. Our high-volume buying power enables us to purchase the finest raw materials at the lowest possible price. Components for your structure are manufactured, fabricated and assembled under the watchful eyes of quality control experts. We maintain a fleet of company-owned and operated trucks, enabling our drivers to unload your building materials quickly and safely. From that point, a crew of company-trained, company-employed, and company-insured construction professionals takes over. They are trained to follow the most efficient and safe construction, methods possible, and are supplied with state-of-the-art equipment and quality materials to make your facility something to be proud of for years to come. your family isn’t dependent on only one income. Consider minimizing your risks. Although you can’t elimin ate risk from your life, you can postpone, minimize or control some losses. For example, wear your seatbelt and don’t drive dur ing bad weather to reduce your chances for liability in an acci dent Health Insurance Most people rely on employer group health insurance to ease the burden of medical costs. If you no longer have a job, some alterna tives exist Group policies may allow you to continue coverage for a limited time following job termination. For example, you may be covered Dor an additional 30 days after your last working day. If you find a new job within 30 days,, you could have continuous group coverage. Talk with the person re sponsible for employee benefits at your former place of employment about your coverage. If your spouse is employed, check out the possibility of being covered on your spouse’s group health insurance. See if and when your spouse could add you to coverage through his/her employ er. Many employers or other groups have limited “open enroll ment” periods. Life Insurance If you have life insurance, try not to let it lapse if others are de- & Workmanship that are Un pendent on your income or wage earning capacity. Your policy could be expensive to replace later. Life insurance protects your dependents against loss of income or expenses because of your un timely death. If you no longer have dependents, you may want to cash in your whole life policy when your income decreases. You may have had group term life insurance through an employ er. This is pure protection without a cash value or savings feature. If you are uninsurable elsewhere, you may want to convert your former employer’s group plan into Recent Health Findings TOWSON, Md. With popu lar “got milk?” television com mercials, “Where’s your mus tache?” magazine campaigns, and the regional “That Milk Thing” campaign, consumers continue to be reminded how important it is to include milk in their daily diets. However, over the past several months, three milk-friendly health industry advances have enabled the dairy industry to highlight milk’s benefits even more in local and national media coverage. These three advances include the recent increase in recommended calcium intake levels, some posi tive findings in a recent lactose in tolerance study, and the addition of the American Heart Associa tion’s (AHA) Heart-Healthy Seal on fat-free and lowfat milk. Recently, the National Aca demy of Sciences released new Adequate Intake (AI) guidelines for calcium. According to these new AI recommendations, adults ages 19-50 need at least 1,000 mg of calcium daily, up from the old RDA of 800 mg per day. Teen agers and adults over SO need even more a recommended 1,300-mg and 1,200 mg per day respectively. Dairy industry com- Mk MORTON w buildings 717/624-3331 3368 Ybrk Rd. Gettysburg, PA 17325 800-447-7436 an individual policy. Check with your employer about converting the policy. Automobile Insurance Most people can’t assume the financial burden of a major auto mobile accident. Therefore, no one should drive without adequate insurance. Otherwise you are risk ing financial disaster and the loss of your license. One way to reduce automobile insurance premiums if your car i§n’t new is to increase the de ductibles for comprehensive and collision or drop these coverages. Enhance Milk Image municators are actively pursuing national and local press to incor porate a “food first” message in any releases about the new guide lines. reminding consumers that milk and dairy products are the best natural source of calcium. In addition to the increased need for calcium, consumers will also be reminded about milk’s heart-healthy benefits because of the collaborative efforts of Milk- PEP (the Milk Processors Federa tion) and the American Heart As sociation (AHA). Thanks to their efforts, all fat free and 'A percent lowfat milks will now boast AHA’s red Heart Healthy Sym bol, signifying to consumers that both of these products meet AHA’s nutrition guidelines for LANCASTER (Lancaster Co.) The Lancaster Mennonite His torical Society and the Lancaster County Historical Society will co sponsor the 19th annual Family History Conference Thursday, Friday, and Saturday, October 30-November 1, at the Holiday Inn/Lancaster Host Hotel & Con- tailed. 908/454-7900 P.O. Box 126, Phillipsburg, NJ 08865 Illinois only, call 1-800-426-6686 Lancaster Farming, Saturday, September 20, 1997-B7 Family History Conference i I I j LIQUID PLANT FOOD 9-18-9 PLUS OTHERS! p • Contains 100% white ortho phosphoric P acid. Made in USA. p • Non-corrosive. Won’t settle. p • Top quality. Excellent service. p • Newest equipment p • Financially sound...and growing! P P Big Demand Requires i More Distributors! * □ I sell to farmers. \ How do I become your distributor? \ □ I’m a farmer. P What’s the price? P Where do 1 get it? P CALL or SEND FOR FACTS: P Phone:,Bl4-364-1349 | ALL-PLANT LIQUID PLANT FOOD, INC. t 821 State Rd. 511 N., RFD 3, ' Ashland, Ohio 44805 1 i * i * Consider dropping collision coverage if the car’s value is so low you could assume the loss yourself or if the repairs will cost more than the car is worth. Homeowner’s Insurance Most homeowner’s policies protect you from loss of property and legal liability. If you try to save money by lowering premium costs, beware of undcrinsuring. Check your policy to see that it will rebuild your house and re place your possessions at today’s prices. fat, saturated fat, and cholesterol levels in a well-balanced diet. Milk triumphed in a lactose in tolerance study conducted earlier this year. The major finding of this study published in the May 1997 American Journal of Clinical Nu trition showed that most people who thought they were lactose in tolerant were able to enjoy two cups of milk daily one with breakfast and another several hours later with dinner— without experiencing any symptoms. This study followed up on earlier re search that showed people thought to be extremely lactose intolerant could drink at least one cup of milk a day with little or no diges tive discomfort. ference Center, Lancaster, Pa. In addition to about 20 work shops on genealogical research, the event features guided bus tours for research to Washington, D.C., and Chester County. A program and further registra tion details are available from Lola M. Lehman, Lancaster Men nonite Historical Society, 2215 Midstream Road, Lancaster, PA 17602-1499 (Include self-ad dressed, stamped envelope). Phone: (717) 393-9745; fax: (717) 393-8751. Registration deadline is October 15. All-Plant
Significant historical Pennsylvania newspapers