YOUR BACKUP PLAN

YOUR BACKUP PLAN
The Key to Security for your Family
Showing posts with label disability. Show all posts
Showing posts with label disability. Show all posts

Sunday, December 28, 2014

When is the right time to have a Backup plan?


WHEN IS THE RIGHT TIME TO HAVE A BACKUP PLAN?

There are so many lifestyles that are created…. you can control and nurture, but there are times in life when it doesn't matter if you are rich or poor or even between. 

Sickness does not care how much money you have … being seriously injured in a car accident happens to people of all races, creeds and statures and we all know that death can come knocking at the most inopportune time …
We may not be able to control these events or even others like robbery, fire, flood, earthquake but you can control how you and your family react.

With this revolutionary new APP you can rest assured that the family and friends involved in any given life event or tragedy can carry on, and continue a life or in some cases, finish one.  With the help of YOUR BACKUP PLAN MOBILE APP, all the precious and valuable information that makes up one person’s life is contained in a secure easy and user-friendly app. 

In designing this, I was surprised with how much information makes up one person’s life. It is so much more than a will and with only short moments to complete each section, you and your family will be prepared for everything and anything that life gives you.

By using this, the people involved can use their energy to help support, care and manage the injured loved one and not have to spend valuable time searching for important papers and documents. There are so many feelings that occur in times of trouble….

Why worry when some unforeseen circumstance happens that only adds to the immense amount of sorrow and confusion already….

Get The App!   This is Your Backup Plan …… You will be glad you did. 

Now on Google play & Itunes


Friday, December 5, 2014

BEST NEW APP for backing up your Life

A world changing idea.
 This Backup Plan technology takes on one of the world’s biggest problems.
Let’s take some time to talk about something taboo in our culture: death, sickness or a disability. With so many disasters coming your way how can you possibly recover from them every time everywhere.
Chances are if you’re reading this, you know someone either distant or close to you that has experienced one of these. You read this, you make dinner, or lunches for the kids, and you forget about it. So the concept of an innovative system that provides you and your family peace of mind may not appeal to some of you because it will never happen to you; but it’s a simple technological innovation that could help millions of lives around the world.

The facts are that it will happen, because we don’t get up in the morning to plan for a tragedy, or a disaster. They just happen.
Whether you are single or have a partner, everyone’s Life puzzle is complicated and unique. Your family or friends may not know all the details of your puzzle but when tragedy hits your life – your family or friends will need a very quick recovery to that valuable information!
That’s when Your Backup Plan enables you and your family to put your life’s puzzle back together.

Now available on Google play and Itunes


Tuesday, October 8, 2013

Top 10 things that Mom's need to think about to keep their family safe in case of a tragedy!

Top 10 things that Mom's need to think about to keep their family safe in case of a tragedy!

Tragedy comes in all shapes and sizes. Sometimes the tragedy directly affects your
family by

  1. the income that your household brings in 
  2. your health where you can't do the same things as you used to do
  3. an injury that will affect your job or ability to do your job
  4. your house structure burns or floods
  5. your personal identity gets comprimised
  6. your possessions are stolen
  7. a divorce or separation
  8. a business partnership failure
  9. a business partner death
  10. a sickness of a family member
  11. a brain injury of a family member
  12. coma or paralysis of a family member
  13. a legal battle with family
How does a family protect against these types of things? By planning.
How do I plan? 
  1. Getting the appropriate insurance that will cover these types of things to ensure you have an income
  2. Getting a diary or log of your medical history records
  3. Getting a log of your accounts 
  4. Keep an up to date file  of what both partners have in coverages, assets and liabilities in case the relationship falls apart- look after yourself!
  5. Taking photos and hair samples of family members
  6. Organize how to pay your bills if you are unable to do so
  7. A log of your personal passwords and keep them strictly safe
  8. Keeping a safety net account for raining days
  9. Turn off switches for gas and water
  10. Have an up-to-date will and power of attorney, living will
A Business to do list is still to come.
There is so much more to do and keep track of. But, planning is easy if it's all laid out in front of you.
Pick up or order your Backup Plan where you have an easy instruction workbook to help you through the process and have everything all in one place. That's really important. But, what's more important? To have everything safe and locked up. Order your APP to make it an even easier process.
For more information: contact Tina 
tina@yourbackupplan.ca
www.yourbackupplan.ca
FB: Your Backup Plan
Tweet: TinaOlexaBC

Monday, March 25, 2013

Would you be able to cope tomorrow or the next day?


DAY 53 TIP OF THE DAY - 60 DAY CHALLENGE OFFER


ONLY 7 DAYS LEFT AT OUR GREAT CHALLENGE OFFER! 

If you had a crippling accident or diagnosed with a critical illness tomorrow, would your family be able to cope emotionally and financially, or either?
How long could you last without a pay check?

We need to ask the questions. What would your coverage look like today? What do you have at work? You would probably be surprised that it might not be very much coverage or any at all.
So you need to look for coverage that you can 
1- extend to age 75 if you wanted , min age 65
2- payment stays the same
3- At least 5 year window for coverage benefits
4- At least 1 year of income coverage

Register Today!

Get more great tips and personal advice
when you become a YOUR BACKUP PLAN MEMBER
Check out blog:
http://www.yourbackupplan.ca/news-blogs


Let's Expect the Unexpected and get prepared with YOUR BACKUP PLAN!
Don't worry we will help you complete it!



Feel relief, peace of mind that you have everything taken care of, organized and decided by our 5 EASY STEPS!

Monday, March 18, 2013

How is our medical system going to cope?


DAY 43 TIP OF THE DAY - 60 DAY CHALLENGE OFFER

Canadians suffering from serious illness but living longer! So, how is our medical system going to cope with all of us? There is also the baby boomers starting to retire and going to have a bigger impact on our system that is already lacking. do you have a plan or an idea of what you are going to do?
Register Today!

Get more great tips and personal advice 
when you become a YOUR BACKUP PLAN MEMBER
Check out blog:
http://www.yourbackupplan.ca/news-blogs


http://www.globalnews.ca/health/average+canadians+living+longer+but+suffering+from+serious+illness/6442828928/story.html?utm_source=facebook-twitter&utm_medium=link&utm_campaign=community


Let's Expect the Unexpected and get prepared with YOUR BACKUP PLAN!

Tuesday, March 12, 2013

How long can you go without your Paycheck?


DAY 28 TIP OF THE DAY - 60 DAY CHALLENGE OFFER

Feb 28-2013
Protecting your paycheck is all about YOU! How do you do that?There are many different ways-  Next video part 3 of protecting your Paycheck!
The 3rd option is to have your paycheck covered with disability insurance with injury and sickness covered in that. 
Of course you can reduce the premium amounts by starting the disability after a longer waiting period and having a smaller savings account to cover you for the difference. 
ADD IN a RETURN OF PREMIUM with your disability product so that everything that you pay after a certain length of time and no claims - you can get ALL your premiums back! 
START YOU FORCED SAVINGS PLAN - you have the coverage while you need it + you even have a pension for yourself after! 
What a great idea!
Call us for more information- support@yourbackupplan.ca
Let's Expect the Unexpected and get prepared with YOUR BACKUP PLAN!

Join Your Backup Plan today, and don't wait - it doesn't wait!

Your Paycheck the most important part, isn't it?


DAY 27 TIP OF THE DAY - 60 DAY CHALLENGE OFFER

Protecting your paycheck is all about YOU! How do you do that?There are many different ways- Part 2 video for a laugh or two!
Feb 27-2013

The Paycheck Break Up!
Watch for Part 3
The other option is to have your paycheck covered with disability insurance with injury and sickness covered in that. Of course you can reduce the premium amounts by starting the disability after a longer waiting period and having a smaller savings account to cover you for the difference. So you can be covered with in effect 0 day waiting period and extending to 5 year disability plan or age 65. That's also an idea!

Call us for more information- support@yourbackupplan.ca

Join today, and get your Backup plan started, don't wait until it's too late!

Protecting your Pay Check is easy


DAY 26 TIP OF THE DAY - 60 DAY CHALLENGE OFFER


Protecting your paycheck is all about YOU! 

How do you do that?
There are many different ways- Part 2 video for a laugh or two!


The Paycheck Break Up!

Watch for Part 2
Protecting your Paycheck with a savings plan that you put away for rainy days is definitely a longer process and cumbersome. It's what we call self-insuring yourself!
But, it can work with proper management but your constraints are putting enough money away and quickly enough. How much will we need and when do we need it? That's the big question. But, work with on a regular basis and you can make it happen. It's not for everyone but do-able! 
Call us for more information- support@yourbackupplan.ca

Monday, February 18, 2013

I hate passwords!


DAY 7 TIP OF THE DAY - 60 DAY CHALLENGE OFFER
WHAT PASSWORDS!

Feb 7-2013
Your Passwords! Yikes! Everybody hates the never-ending passwords that we have to remember all of the time. Do you have a system in place to remember them yourself or for others??
Even your kids, I have a client where the son passed away and their Facebook page is still there. Not really what they wanted to have, don't just look after yourself but your kids too!
Let's Expect the Unexpected and get prepared with YOUR BACKUP PLAN!

What do I have in Employer Benefits?


DAY 6 ~TIP OF THE DAY - 60 DAY CHALLENGE OFFER
EMPLOYER BENEFITS
Feb 6-2013

OUR LIFE INSURANCE- are we using life insurance solely on our Group benefit package from work? Do we know what that looks like?
Employer benefits or Group Benefits are owned by the Employer. The Employer can change it, cancel it or alter it at anytime!
They usually have maximum on the plans for employees, and have restrictions based on your health for any more coverage. It's not flexible, even though they say they are. They are so expensive after retiring that it is definitely not transferable.
So, get your own coverage that is owned by yourself and is flexible.

Let's Expect the Unexpected and get prepared with YOUR BACKUP PLAN!

Friday, January 20, 2012

INJURIES CAN HAPPEN AT ANY TIME, TO ANYONE- DO YOU HAVE A BACKUP PLAN?

Donors cover Sarah Burke’s medical bill

Published On Fri Jan 20 2012
Stephanie FindlayStaff Reporter
Following Burke’s death on Thursday, two fundraising websites had been set up by the skier’s agent, Michael Spencer, with the goal of raising $550,000 to help the family cover “the enormous cost of Sarah’s recent medical care and to provide for other arrangements.”
As of Friday evening, donors had raised $249,396.
“Because of the donations in the last day, it is now clear that Sarah’s family will not have any financial burden related to her care,” Nicole Wool, the Burke family’s spokesperson, said in a statement issued Friday.
The fundraising goal appears to be significantly more than the actual medical costs.
“Based on early estimates, total charges for Sarah’s care are expected to be approximately $200,000,” Wool said in the statement.
According to the statement, the family has yet to receive a bill from the University of Utah Hospital, where Burke died following more than a week of intensive care.
Further contributions to the Burke fundraising websites will be “used to establish a foundation to honour Sarah’s legacy and promote the ideals she valued and embodied,” Wool said in the statement.
Burke, who was 29, crashed on Jan. 10 in Park City, Utah, while training in the halfpipe at a private event organized by Monster Energy Drink.
The Olympic gold-medal hopeful and four-time Winter X Games champion suffered irreversible brain damage after the fall because of a lack of oxygen and blood to the brain.
It’s unclear what insurance coverage Burke had at the time of her death.
Wool was not available for comment and, when reached by phone, Spencer, her agent, declined to comment.
“I’m on the phone with my mom right now,” he said. “I haven’t had a chance to talk to my mom in three days.”
He did not return calls.
David Pym, manager of the Canadian Snowsports Association, said any athlete competing in sanctioned activities has full out-of-country medical and disability insurance.
“We are an extremely safe sport because we are very anal about what we allow our athletes to do,” said Pym. “What happened to Sarah is an absolute tragedy but an absolute rarity.”
Burke’s accident, however, happened at an unsanctioned event.
“This is the unfortunate part of this — it was third-party training activity that was being undertaken privately,” said Peter Judge, CEO of the Canadian Freestyle Ski Association. “They have to ensure those mechanisms are in place for that time period and event.”
Robert Hooper, director of client and financial services at Octagon, a management firm that represents athletes including swimmer Michael Phelps and halfpipe snowboarder Hannah Teter, said competitors in all major sports are usually required to carry their own personal disability insurance (to cover accidents) and life insurance (to cover death).
“When you look at someone’s financial situation you want to make sure they have adequate disability coverage and adequate life insurance protection as part of their financial plan,” said Hooper. “My take would be is that she (Burke) probably didn’t have extensive insurance programs in place.”
Some wondered whether Monster Energy Drink, which was hosting the private event, had any legal obligation to help Burke, one of their sponsored athletes.
Monster Energy Drink declined to comment.
“That’s our policy for everything,” said a Monster Energy Drink media relations agent who would give only her first name, Laura, for fear of being fired. “We don’t talk to the media.”
The company has yet to release an official statement.
With files from The Canadian Press
Thank you to the thestar.com
Friday Jan 20, 2012
Celebrities even need to look at their backup plans!  How do we ensure that we have adequate coverage?  Get some assistance, checkout Your Backup Plan - www.yourbackupplan.ca and get some advice, educate yourself on what it is that you have and WHAT IF!
Tina Olexa
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Wednesday, December 14, 2011

Could you survive financially if you fell ill? - December - 2011 - Which? News

Could you survive financially if you fell ill? - December - 2011 - Which? News


New Unum app helps you work out protection needs
09 December 2011

An income protection insurance policy could help you survive financially if you're off work for a long period due to sickness or accident

Income protection provider Unum has launched a new app which enables users to calculate how long they'd be able to survive financially if they were unable to work due to illness or injury.
Nine out of 10 people don't have a back-up plan to support themselves if they lose their income due to illness or injury. Many will rely on credit cards, loans or support from family or friends and could benefit instead from buying an income protection insurance policy.
How the income calculator works
The online Facebook-based app uses average benefits and household expenses figures and asks for a few key personal facts and figures to provide a rough calculation of how long people would be able to stay afloat financially if they lost their income.
Which? protection expert Martyn Saville commented: 'This app really brings home just how quickly savings can be used up if you can't work for a sustained period of time. For example, if you have £3,000 in a savings account, pay rent or mortgage of £800 a month and have average household expenses each month, your money would last just one month, even after factoring in state benefits.
'In the current economic climate of rising prices and reducing state benefits, it's very difficult to build up a sufficient nest egg to see you through a prolonged period of illness or recuperation after an accident. Protection products such as short-term income protection and standard income protection policies could help see you through, avoiding the spectre of major debt.'
More on this...
Why don’t we take out income protection insurance? - Have your say with Which? Conversation
Understanding protection insurance - we explain the best ways to protect your life and income
Income protection - we review the best income protection products available in the UKRead more: http://www.which.co.uk/news/2011/12/could-you-survive-financially-if-you-fell-ill-273941/#ixzz1g6eOFXMr Consumer Champions Which? Under Creative Commons License: Attribution Non-Commercial
Thank you to : Which Works for You, some great information for anyone
http://www.which.co.uk/news

Thursday, April 7, 2011

What's your Backup Plan if you can't work?

Click on video with link below


http://www.linkto.tv/iframe/show/uuid/d4dVweCbXxo

Nice video from UK- same issues as in North America

By Female First Celebrity Gossip and Lifestyle Magazine 17 March 2011

Most people don't think about the reality of becoming ill and needing to protect their income if they can't work.
And most of us don't have a back-up plan in place to support us during a long period of sickness.
Research recently released from the independent Think Tank, Demos, has found that it’s the average two income family with children, earning between £16,000 and £50,000 per annum, which is the demographic most at-risk of serious financial hardship if one wage earner is forced to stop working due to long-term illness or disability.
People assume that the state will look after them, yet the support actually available is less than £5,000 a year. For someone on an average income of around £25,000, this would mean a massive 80% reduction in income.
Whilst many of us have life insurance, we are actually three times more likely to fall seriously ill during our working lives than die while in employment.
Yet just 1 in 10 people in the UK have their income protected in the event of a major illness, meaning millions of us are risking serious financial hardship for ourselves and our family if the worst was to happen.
In the following video, we hear from Kate, aged 35, who unexpectedly had to take long term sick leave last year and wasn’t protected, while Jack McGarry, CEO of Income Protection provider Unum, and Nick Cosh, broker at PMI Health Group, look at the implications and discuss what you can do now to protect financially against sudden illness.
Female First Celebrity Gossip and Lifestyle Magazine 17 March 2011

Wednesday, March 23, 2011

Moving and buying a house

Just helped a young couple start their plan for their new move!
Looking at what their options are for buying insurance and what did they want for coverage when they are 50 and even 70.  They both said ~ they will want some at that time!  Put together a staggered amount for every 20 years so that they save money over the years! That's what it's all about isn't it???
Enjoy!