Ron and Dorothy Strasser

Dear OBRA-ites,
Now mind you... Insurance companies are not my favorite business. I am not
going into details here as I have had good and bad interactions. But...
Long Term Coverage is a very smart policy to have in place. I have not had
to use mine so not sure how that will all play out if you know what I mean.
The important aspect about it from my view is you have this policy in place
for those you love... so they have less burden on them. Yes it may help you
a great deal, but it may help keep your family afloat if you have a major
injury. One other thing to consider... The younger you are and the more
healthy you are, generally speaking.... the lower the cost of the insurance.
So do not wait until you have a heart attack, have a very serious bike or
auto crash or get the big "C" diagnosis. Look into it for the ones you
love.
just my 2 cents.
ron
----- Original Message -----
From: "Brett Boyles"
To:
Sent: Wednesday, October 14, 2009 1:50 PM
Subject: Re: [OBRA Chat] OT: AFLAC?

> AFLAC is short term disability insurance and only covers the first three
> months of lost salary. The smart thing to do is not get the short term
> insurance and pay yourself the monthly fee until you have a three month
> emergency fund. You are much more likely to come out way ahead. Use the
> interest to buy bike parts.
>
> Everyone should have long term disability insurance (not AFLAC). This
> covers loss of wages after three months absence from work and lasts
> until when (or if) you get better. You and your family could be in major
> financial difficulties if you can't work for an extended period of time.
>
>
>
>
>
>
> _______________________________________________
> OBRA mailing list
> obra@list.obra.org
> http://list.obra.org/mailman/listinfo/obra
> Unsubscribe: obra-unsubscribe@list.obra.org
>

eric aldinger

Bring your stickers to the early season cross clinics in March. We will
cover adhesion techniques.

On Thu, Oct 15, 2009 at 9:18 AM, Joe Cipale wrote:

> Rick C Johnson wrote:
>
> > Also worth noting from the original post was the request to reply
> > offline...
> > but hey, when it's rainy in Portland I know people need something to
> > keep them distracted.
> >
> > Speaking of which I wonder what kind of glue the OBRA card stickers will
> > have next year?
>
> I think Kenji discussed using either bubblegum or a glue-stick.
> _______________________________________________
> OBRA mailing list
> obra@list.obra.org
> http://list.obra.org/mailman/listinfo/obra
> Unsubscribe: obra-unsubscribe@list.obra.org
>

--
iamerichearmeroar

Joe Cipale

Rick C Johnson wrote:

> Also worth noting from the original post was the request to reply
> offline...
> but hey, when it's rainy in Portland I know people need something to
> keep them distracted.
>
> Speaking of which I wonder what kind of glue the OBRA card stickers will
> have next year?

I think Kenji discussed using either bubblegum or a glue-stick.

T. Kenji Sugahara

Actually- next year you won't have to peel off anything! WHOOT.

You'll just get a new white sticker that you paste on top of the old one.

On Thu, Oct 15, 2009 at 9:02 AM, Rick C Johnson wrote:
> Also worth noting from the original post was the request to reply offline...
> but hey, when it's rainy in Portland I know people need something to keep
> them distracted.
>
> Speaking of which I wonder what kind of glue the OBRA card stickers will
> have next year?
>
> Rick Johnson
> Bend, Oregon
>
> "Those who cannot remember the past, are condemned to repeat it" - George
> Santayana
>
>
>
> Robert Burney wrote:
>
>> Steve and OBRA,
>> It seems that this discussion is diverging along two lines. The original
>> post asked about AFLAC coverage offered through an employer.  Steve's post
>> seems to respond to Brett's post regarding individual disability
>> insurance.
>> If so, Steve's comment that individual DI is hard to get is somewhat
>> accurate.  Individual policies take longer to underwrite that a group
>> policy, but individual coverage typically offers far greater flexibility
>> for
>> the insured.
>>
>> My business is helping businesses and individuals obtain the coverage they
>> need at a price they can afford.  I welcome any calls to discuss this.
>> Robert
>>
>> Robert Burney, JD
>> President
>>
>> RE Burney & Associates, Inc.
>> 8285 SW Nimbus Ave., Suite 124
>> Beaverton, OR 97008
>>
>> Brokerage of Life Insurance, Annuities,
>> Long Term Care and Disability Insurance.
>>
>> Office:    503-608-7813
>> Cell:       503-502-4289
>> EFax:     503-210-1595
>> Email:     robert@reburney.com
>> -----Original Message-----
>> From: obra-bounces@list.obra.org [mailto:obra-bounces@list.obra.org] On
>> Behalf Of Steve Brown
>> Sent: Thursday, October 15, 2009 8:31 AM
>> To: Brett Boyles
>> Cc: obra@list.obra.org
>> Subject: Re: [OBRA Chat] OT: AFLAC?
>>
>> Brett,
>>
>>        These policies are hard to get and expensive for small business or
>>  individuals.  That does not even get to the issue of health  insurance.  A
>> good idea but not very practical.
>>
>>
>>
>> Steve Brown
>>
>>
>> On Oct 14, 2009, at 1:50 PM, Brett Boyles wrote:
>>
>>
>>>
>>> AFLAC is short term disability insurance and only covers the first  three
>>> months of lost salary. The smart thing to do is not get the short term
>>> insurance and pay yourself the monthly fee until you have a three  month
>>> emergency fund. You are much more likely to come out way ahead. Use  the
>>> interest to buy bike parts.
>>>
>>> Everyone should have long term disability insurance (not AFLAC). This
>>> covers loss of wages after three months absence from work and lasts
>>> until when (or if) you get better. You and your family could be in  major
>>> financial difficulties if you can't work for an extended period of  time.
>>>
>>>
>>>
>>>
>>>
>>>
>>> _______________________________________________
>>> OBRA mailing list
>>> obra@list.obra.org
>>> http://list.obra.org/mailman/listinfo/obra
>>> Unsubscribe: obra-unsubscribe@list.obra.org
>>>
>>>
>>
>> _______________________________________________
>> OBRA mailing list
>> obra@list.obra.org
>> http://list.obra.org/mailman/listinfo/obra
>> Unsubscribe: obra-unsubscribe@list.obra.org
>>
>>
>>
>> _______________________________________________
>> OBRA mailing list
>> obra@list.obra.org
>> http://list.obra.org/mailman/listinfo/obra
>> Unsubscribe: obra-unsubscribe@list.obra.org
>>
>>
>
> _______________________________________________
> OBRA mailing list
> obra@list.obra.org
> http://list.obra.org/mailman/listinfo/obra
> Unsubscribe: obra-unsubscribe@list.obra.org
>
>

Rick C Johnson

Also worth noting from the original post was the request to reply
offline...
but hey, when it's rainy in Portland I know people need something to
keep them distracted.

Speaking of which I wonder what kind of glue the OBRA card stickers will
have next year?

Rick Johnson
Bend, Oregon

"Those who cannot remember the past, are condemned to repeat it" - George Santayana

Robert Burney wrote:

>Steve and OBRA,
>It seems that this discussion is diverging along two lines. The original
>post asked about AFLAC coverage offered through an employer. Steve's post
>seems to respond to Brett's post regarding individual disability insurance.
>If so, Steve's comment that individual DI is hard to get is somewhat
>accurate. Individual policies take longer to underwrite that a group
>policy, but individual coverage typically offers far greater flexibility for
>the insured.
>
>My business is helping businesses and individuals obtain the coverage they
>need at a price they can afford. I welcome any calls to discuss this.
>Robert
>
>Robert Burney, JD
>President
>
>RE Burney & Associates, Inc.
>8285 SW Nimbus Ave., Suite 124
>Beaverton, OR 97008
>
>Brokerage of Life Insurance, Annuities,
>Long Term Care and Disability Insurance.
>
>Office: 503-608-7813
>Cell: 503-502-4289
>EFax: 503-210-1595
>Email: robert@reburney.com
>-----Original Message-----
>From: obra-bounces@list.obra.org [mailto:obra-bounces@list.obra.org] On
>Behalf Of Steve Brown
>Sent: Thursday, October 15, 2009 8:31 AM
>To: Brett Boyles
>Cc: obra@list.obra.org
>Subject: Re: [OBRA Chat] OT: AFLAC?
>
>Brett,
>
> These policies are hard to get and expensive for small business or
>individuals. That does not even get to the issue of health
>insurance. A good idea but not very practical.
>
>
>
>Steve Brown
>
>
>On Oct 14, 2009, at 1:50 PM, Brett Boyles wrote:
>
>
>
>>AFLAC is short term disability insurance and only covers the first
>>three
>>months of lost salary. The smart thing to do is not get the short term
>>insurance and pay yourself the monthly fee until you have a three
>>month
>>emergency fund. You are much more likely to come out way ahead. Use
>>the
>>interest to buy bike parts.
>>
>>Everyone should have long term disability insurance (not AFLAC). This
>>covers loss of wages after three months absence from work and lasts
>>until when (or if) you get better. You and your family could be in
>>major
>>financial difficulties if you can't work for an extended period of
>>time.
>>
>>
>>
>>
>>
>>
>>_______________________________________________
>>OBRA mailing list
>>obra@list.obra.org
>>http://list.obra.org/mailman/listinfo/obra
>>Unsubscribe: obra-unsubscribe@list.obra.org
>>
>>
>>
>
>_______________________________________________
>OBRA mailing list
>obra@list.obra.org
>http://list.obra.org/mailman/listinfo/obra
>Unsubscribe: obra-unsubscribe@list.obra.org
>
>
>
>_______________________________________________
>OBRA mailing list
>obra@list.obra.org
>http://list.obra.org/mailman/listinfo/obra
>Unsubscribe: obra-unsubscribe@list.obra.org
>
>
>

Robert Burney

Steve and OBRA,
It seems that this discussion is diverging along two lines. The original
post asked about AFLAC coverage offered through an employer. Steve's post
seems to respond to Brett's post regarding individual disability insurance.
If so, Steve's comment that individual DI is hard to get is somewhat
accurate. Individual policies take longer to underwrite that a group
policy, but individual coverage typically offers far greater flexibility for
the insured.

My business is helping businesses and individuals obtain the coverage they
need at a price they can afford. I welcome any calls to discuss this.
Robert

Robert Burney, JD
President

RE Burney & Associates, Inc.
8285 SW Nimbus Ave., Suite 124
Beaverton, OR 97008

Brokerage of Life Insurance, Annuities,
Long Term Care and Disability Insurance.

Office: 503-608-7813
Cell: 503-502-4289
EFax: 503-210-1595
Email: robert@reburney.com
-----Original Message-----
From: obra-bounces@list.obra.org [mailto:obra-bounces@list.obra.org] On
Behalf Of Steve Brown
Sent: Thursday, October 15, 2009 8:31 AM
To: Brett Boyles
Cc: obra@list.obra.org
Subject: Re: [OBRA Chat] OT: AFLAC?

Brett,

These policies are hard to get and expensive for small business or
individuals. That does not even get to the issue of health
insurance. A good idea but not very practical.

Steve Brown

On Oct 14, 2009, at 1:50 PM, Brett Boyles wrote:

> AFLAC is short term disability insurance and only covers the first
> three
> months of lost salary. The smart thing to do is not get the short term
> insurance and pay yourself the monthly fee until you have a three
> month
> emergency fund. You are much more likely to come out way ahead. Use
> the
> interest to buy bike parts.
>
> Everyone should have long term disability insurance (not AFLAC). This
> covers loss of wages after three months absence from work and lasts
> until when (or if) you get better. You and your family could be in
> major
> financial difficulties if you can't work for an extended period of
> time.
>
>
>
>
>
>
> _______________________________________________
> OBRA mailing list
> obra@list.obra.org
> http://list.obra.org/mailman/listinfo/obra
> Unsubscribe: obra-unsubscribe@list.obra.org
>

_______________________________________________
OBRA mailing list
obra@list.obra.org
http://list.obra.org/mailman/listinfo/obra
Unsubscribe: obra-unsubscribe@list.obra.org

Kevin

I was self employed most of my working life. I paid my own health insurance coverage (ie, individual, not group.....expensive)  Like Brett suggested in his email I opted to get only "major medical" coverage (through Blue Cross) to cover me if something took me off the job for an extended period. I chose to pay any minor things out of pocket.  I never missed a day of work or school since the third grade so it was a gamble that paid off for me during those years.

----- Original Message ----
From: Steve Brown
To: Brett Boyles
Cc: obra@list.obra.org
Sent: Thu, October 15, 2009 8:31:28 AM
Subject: Re: [OBRA Chat] OT: AFLAC?

Brett,

    These policies are hard to get and expensive for small business or individuals.  That does not even get to the issue of health insurance.  A good idea but not very practical.

Steve Brown

On Oct 14, 2009, at 1:50 PM, Brett Boyles wrote:

> AFLAC is short term disability insurance and only covers the first three
> months of lost salary. The smart thing to do is not get the short term
> insurance and pay yourself the monthly fee until you have a three month
> emergency fund. You are much more likely to come out way ahead. Use the
> interest to buy bike parts.
>
> Everyone should have long term disability insurance (not AFLAC). This
> covers loss of wages after three months absence from work and lasts
> until when (or if) you get better. You and your family could be in major
> financial difficulties if you can't work for an extended period of time.
>
>
>
>
>
>
> _______________________________________________
> OBRA mailing list
> obra@list.obra.org
> http://list.obra.org/mailman/listinfo/obra
> Unsubscribe: obra-unsubscribe@list.obra.org
>

_______________________________________________
OBRA mailing list
obra@list.obra.org
http://list.obra.org/mailman/listinfo/obra
Unsubscribe: obra-unsubscribe@list.obra.org

Steve Brown

Brett,

These policies are hard to get and expensive for small business or
individuals. That does not even get to the issue of health
insurance. A good idea but not very practical.

Steve Brown

On Oct 14, 2009, at 1:50 PM, Brett Boyles wrote:

> AFLAC is short term disability insurance and only covers the first
> three
> months of lost salary. The smart thing to do is not get the short term
> insurance and pay yourself the monthly fee until you have a three
> month
> emergency fund. You are much more likely to come out way ahead. Use
> the
> interest to buy bike parts.
>
> Everyone should have long term disability insurance (not AFLAC). This
> covers loss of wages after three months absence from work and lasts
> until when (or if) you get better. You and your family could be in
> major
> financial difficulties if you can't work for an extended period of
> time.
>
>
>
>
>
>
> _______________________________________________
> OBRA mailing list
> obra@list.obra.org
> http://list.obra.org/mailman/listinfo/obra
> Unsubscribe: obra-unsubscribe@list.obra.org
>

Brett Boyles

AFLAC is short term disability insurance and only covers the first three
months of lost salary. The smart thing to do is not get the short term
insurance and pay yourself the monthly fee until you have a three month
emergency fund. You are much more likely to come out way ahead. Use the
interest to buy bike parts.

Everyone should have long term disability insurance (not AFLAC). This
covers loss of wages after three months absence from work and lasts
until when (or if) you get better. You and your family could be in major
financial difficulties if you can't work for an extended period of time.

Greg Phillips

broke my wrist in '07 playing hockey and was between coverage after changing
jobs. AFLAC paid, no question. For $32.10 a month, it definitely worked for
me.

On Wed, 14 Oct 2009 13:30:52 -0700
G Magnus wrote:
>
> I have the accident coverage insurance from AFLAC. I also saw the section
>about will not cover for sporting events. If you look closer its related to
>being paid ie professional sporting events. I contacted the AFLAC rep for my
>employer and this was the respons I recieved:
>
>
> "That clause in the accident plan is for professional sports, people who are
>paid to paticipate. Your bike racing would not cancel your coverage if you
>had the plan"
>
>
>
> That being said I got the coverage so we still have income if I am injured
>racing, I don't know about extreme sports as the most extreme I get is mtn
>biking. I haven't had to submit a claim yet I have co-workers that I have
>gotten injuries and been paid out smoothly from AFLAC, its definately a good
>thing to look into for as injuries sustained on the bike can certainly
>prevent you from working and bills don't go away.
>
>
>
> My 2 cents.
>
>
>
> Gregg
>
>
> Date: Wed, 14 Oct 2009 08:46:31 -0700
>From: like2pedal@rocketmail.com
> To: obra@list.obra.org
> Subject: Re: [OBRA Chat] OT: AFLAC?
>
>
>
>
>
> i was going to sign up for AFLAC. then i read two things. they don't cover
>injuries caused by engaging in "extreme sports" and they don't cover injuries
>caused in "organized sporting events". after pushing and pushing the guy
>trying to sell it to me he conceded they wouldn't pay for any injury related
>to racing for OBRA and that if i broke my arm while engaging in an extreme
>sport like snowboarding....they wouldn't pay either. so maybe if you just sit
>on the coach all day and got injured, you would qualify.
>
>
>
>
>
>From: Kim Rueter
> To: obra@list.obra.org
> Sent: Wed, October 14, 2009 7:52:01 AM
> Subject: [OBRA Chat] OT: AFLAC?
>
> Does anyone have any experience with AFLAC, either as a business owner
>offering it to employees, or as a policy holder? I'm trying to decide if it's
>a good benefit to offer, or if it's a scam (like most insurance).
> Please respond off list. Thx
> _______________________________________________
> OBRA mailing list
> obra@list.obra.org
> http://list.obra.org/mailman/listinfo/obra
> Unsubscribe: obra-unsubscribe@list.obra.org
>
>
> _________________________________________________________________
> Hotmail: Trusted email with powerful SPAM protection.
> http://clk.atdmt.com/GBL/go/177141665/direct/01/

Greg

G Magnus

I have the accident coverage insurance from AFLAC. I also saw the section about will not cover for sporting events. If you look closer its related to being paid ie professional sporting events. I contacted the AFLAC rep for my employer and this was the respons I recieved:

"That clause in the accident plan is for professional sports, people who are paid to paticipate. Your bike racing would not cancel your coverage if you had the plan"

That being said I got the coverage so we still have income if I am injured racing, I don't know about extreme sports as the most extreme I get is mtn biking. I haven't had to submit a claim yet I have co-workers that I have gotten injuries and been paid out smoothly from AFLAC, its definately a good thing to look into for as injuries sustained on the bike can certainly prevent you from working and bills don't go away.

My 2 cents.

Gregg

Date: Wed, 14 Oct 2009 08:46:31 -0700
From: like2pedal@rocketmail.com
To: obra@list.obra.org
Subject: Re: [OBRA Chat] OT: AFLAC?

i was going to sign up for AFLAC. then i read two things. they don't cover injuries caused by engaging in "extreme sports" and they don't cover injuries caused in "organized sporting events". after pushing and pushing the guy trying to sell it to me he conceded they wouldn't pay for any injury related to racing for OBRA and that if i broke my arm while engaging in an extreme sport like snowboarding....they wouldn't pay either. so maybe if you just sit on the coach all day and got injured, you would qualify.

From: Kim Rueter
To: obra@list.obra.org
Sent: Wed, October 14, 2009 7:52:01 AM
Subject: [OBRA Chat] OT: AFLAC?

Does anyone have any experience with AFLAC, either as a business owner offering it to employees, or as a policy holder? I'm trying to decide if it's a good benefit to offer, or if it's a scam (like most insurance).
Please respond off list. Thx
_______________________________________________
OBRA mailing list
obra@list.obra.org
http://list.obra.org/mailman/listinfo/obra
Unsubscribe: obra-unsubscribe@list.obra.org

_________________________________________________________________
Hotmail: Trusted email with powerful SPAM protection.
http://clk.atdmt.com/GBL/go/177141665/direct/01/

Like toPedal

i was going to sign up for AFLAC. then i read two things. they don't cover injuries caused by engaging in "extreme sports" and they don't cover injuries caused in "organized sporting events". after pushing and pushing the guy trying to sell it to me he conceded they wouldn't pay for any injury related to racing for OBRA and that if i broke my arm while engaging in an extreme sport like snowboarding....they wouldn't pay either. so maybe if you just sit on the coach all day and got injured, you would qualify.

________________________________
From: Kim Rueter
To: obra@list.obra.org
Sent: Wed, October 14, 2009 7:52:01 AM
Subject: [OBRA Chat] OT: AFLAC?

Does anyone have any experience with AFLAC, either as a business owner offering it to employees, or as a policy holder? I'm trying to decide if it's a good benefit to offer, or if it's a scam (like most insurance).
Please respond off list. Thx
_______________________________________________
OBRA mailing list
obra@list.obra.org
http://list.obra.org/mailman/listinfo/obra
Unsubscribe: obra-unsubscribe@list.obra.org

Kim Rueter

Does anyone have any experience with AFLAC, either as a business owner offering it to employees, or as a policy holder? I'm trying to decide if it's a good benefit to offer, or if it's a scam (like most insurance).
Please respond off list. Thx