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SAN DIEGO (KGTV) - If you couldn't work, how far could you go without a paycheck? No one is immune to an unexpected injury or illness, and the financial hit can be devastating. The Social Security Administration (SSA) reports that one in four of today's 20-year-olds will become disabled for 90 days or more before retirement age. Having a plan for the long term can relieve a lot of stress if the unexpected does happen.One option is disability insurance; there's short-term and long-term. Disability insurance pays a portion of your income if you are suddenly unable to work because of illness, injury, or accident.You can get coverage through an employer or buy it from an insurer. According to State Farm, long-term disability insurance:Pays monthly income directly to you when you're unable to work because of a covered total disability.You choose the length of time you must be disabled before you start receiving benefits (Elimination Period) and the length of time you would receive benefits.Options include a five-year benefit period or a "to age 67" benefit option.Maximum monthly benefit amounts range from 0 to ,000, based on your income and occupation. You can customize your coverage with different riders.While different factors affect the cost, the annual price for a long-term disability insurance policy generally ranges from 1% to 3% of your annual income.According to the Council for Disability Awareness, 34.6 months is the duration of the average long-term disability claim.The nonprofit helps prepare people for unexpected injury through its five-step financial plan to give you a clearer understanding of your financial "big picture," including:Your sources of income, monthly expenses, and lifestyleThe impact a long-term disability could have on themPreparing a plan of action to address the crisisResources after life-changing disabilityMost people never expect a life-changing disability will happen to them, including San Diego resident Kat Blue. Blue was rear-ended at a red light on Feb. 1, 2018, and had previous head injuries before that."This one resulted in a concussion that just never went away," said Blue.A few weeks after the accident, Blue realized she could barely complete simple tasks like writing an email or talking on the phone. She suffered a traumatic brain injury (TBI), which would change her life forever. She constantly deals with nausea, dizziness, tetanus, and migraines. Blue has struggled to navigate the healthcare system and because she cannot work is constantly seeking resources so she can remain in San Diego."You have to advocate for yourself because there's no one within the system who is going to do it for you," said Blue. Blue says she does not have the resources to relocate and says San Diego offers a lot of support for TBI survivors. She's relied on Medicaid for medical care, which has helped with resources like a nurse care manager, but she says there are holes in the system."I'm still fighting to get a TBI specialist, I'm still trying to get a lot of the treatments and specialists and therapies that I believe could help me," said Blue. The San Diego County Health & Human Services Agency is ready to help San Diegans whose incomes have been impacted by an unexpected disability:CalFresh: Food assistance:Medi-Cal: Free or low-cost health coverage for children and adults with limited income and resources. If you qualify, you can enroll in Medi-Cal year-round.CalWORKS: Public assistance program that provides cash aid and services to eligible families that have a child(ren) in the home."You may not need our benefits today, but in the future, if you do we're here, and we encourage everyone to apply," said Rick Wanne, Director of Eligibility for the County of San Diego Health & Human Services Agency.Wanne says the County also has a close relationship with 211. "211 is a great resource for a number of reasons, they can provide general information over the phone about a whole variety of resources here in San Diego, additional food assistance, housing resources, where to find a local medical provider," said Wanne. Wanne said in addition to what the County offers many local nonprofits and other entities provide help.Blue says she's found the following resources helpful when advocating for herself:Legal AidCalifornia Department of Rehabilitation (DOR)Disability Rights CaliforniaBlue says she's also taken advantage of recreation opportunities through Sharp, some of which are free. Sharp also offers support groups for people with various disabilities. Another program that's been instrumental in Blue's recovery is Love Your Brain Yoga, a free program for TBI survivors. "A good part of my day is spent just trying to feel better, just trying to get well enough to do what I need to do that day," said Blue.Blue remains hopeful she'll get the care needed for her healing and says she'll continue to do everything possible to stay in the city she calls home. 4971

SAN DIEGO (KGTV) - In a downtown courtroom on Friday afternoon, attorneys battled over a request to halt the shutdown orders for San Diego bars, restaurants, and gyms.Attorney Bruno Katz is representing a group of local businesses like Cowboy Star restaurant and Bear Republic Crossfit gym, which are seeking an emergency injunction. He told the judge, “What I do want to say, your Honor, is that the temporary restraining order is based on data. It’s based on facts. It’s based on science and it's based on the state not showing why it has targeted these industries when the science and data doesn't support it.”The state argued that the damage to businesses pales in comparison to the damage on human life. “There's nearly a thousand dead San Diegans and the numbers are getting dramatically worse and have been for the last couple of weeks,” said state Deputy Attorney General Jonathan Eisenberg.Restaurants and gyms were open for indoor operations with limited capacities under the red tier. However, last Saturday’s move to the purple tier forced them to shutdown indoor services completely and move outside. They're suing Governor Newsom and San Diego County, arguing that the closures go against their rights and are causing financial devastation.The suit was filed on behalf of all restaurants and gyms.Local owner of The Studio SD fitness studio Rachel Racz spoke to ABC10 News before Friday’s hearing. She told ABC10 News in part, “It's been rough to shut down business again when people were feeling normal and then we see the County of San Diego's Department of Health say that gyms are only point .4% of cases in San Diego and it's really frustrating as a business owner where we have these ebbs and flows- where we can be open and then we can’t.”Superior Court Judge Kenneth J. Medel stated that he would have a ruling by 5 p.m. on Friday. If not, he said he would issue his decision on Monday. 1916

SAN DIEGO (KGTV) — July 4th weekend has arrived in San Diego, guaranteeing plenty of fun around town for the family.On Thursday, there are plenty of celebrations and fireworks displays to check out around the county. See our maps below for a look at where to catch a spectacular display above San Diego.This weekend, San Diego Pride gets going with She Fest, celebrating the talents and contributions of women within and between the LGBT and larger San Diego communities.MORE: Don't see anything you like? Check out our event calendar for even more local eventsThe U.S. women's national soccer team walks into the World Cup final Sunday, and Petco Park is celebrating with a massive watch party at Park at the Park.And San Diego Comic-Con gets an early start with Superheroes' Night Out at the New Children's Museum and the PAWmicon animal adoption event and festival in Balboa Park.Here's a look at this weekend's events:THURSDAYJuly 4 celebrationsWhere: Throughout San Diego County; Cost: VariesAcross San Diego County, several cities will be holding their own Fourth of July celebrations, from fireworks to festivals. For a look at celebrations happening across San Diego, click here. If fireworks are your thing, click here for a look at fireworks displays around the county.The Cado pop-up museum Where: North City; Cost: - (Thursday - Sunday) "The Cado" pop-up museum opens in San Marcos' North City development, bringing interactive art installations like the Ripe Room, Haas Hall, and The Pit Stop to guests who want to dig deeper into the fruit.Summer SafariWhere: San Diego Zoo Safari Park; Cost: Starting at Summer Safari returns to the Safari Park from May 25 to Sept. 1, bringing live music, arts and crafts, pop-up entertainment, up-close animal experiences, and more fun activities for families to enjoy.FRIDAYRooftop Cinema Club: Pretty WomanWhere: Manchester Grand Hyatt; Cost: - Enjoy a movie under the stars as Rooftop Cinema screens Pretty Woman on the Manchester Grand Hyatt's fourth-floor terrace. The outdoor venue hosts bottomless popcorn, cocktails, games, and of course city views under the stars.WonderspacesWhere: B Street Pier; Cost: Free - The popular, unique art show Wonderspaces hits San Diego with immersive, interactive exhibits sure to spark your imagination, including exhibits filled with helium-filled globes and 3,700 thin multicolor nylon cords.Food Truck FridayWhere: Balboa Park; Cost: Free to attendThe end of the week special brings together several food trucks for delicious fare and live entertainment by local performers. Large family game sets are also rolled out at the plaza's "living room" setup. Some of Balboa Park's museum and educational institutions set up booths during the events to offer hands-on activities and crafts for kids. Some museums also offer special late-night hours.SATURDAYSuperheros' Night OutWhere: New Children's Museum; Cost: - It's a superheroes' night out at the New Children’s Museum’s, where kids are invited to come dress up in masks and capes for an after-hours party with dinner, drinks, entertainment, a costume contest, access to the Museum’s art installations, superhero-themed activities and more.She FestWhere: North Park Community Park; Cost: FreeShe Fest is a festival that celebrates and supports the talents and contributions of women while fostering meaningful connections within and between the LGBT and larger San Diego communities. The festival highlights San Diego Pride next weekend.Horizon Music FestivalWhere: Embarcadero Marina Park North; Cost: - Big Boi of Outkast headlines Horizon Music Festival with Elephante and others, showcasing a blend of relaxation and good beats, dancing, delicious food and drink, and more. SUNDAYWorld Cup watch partyWhere: Petco Park; Cost: FreeThe Park at the Park is hosting the final match in the Women's World Cup featuring the U.S. women's team as they look to hold on to their title. Gates open to the public at 7:30 a.m. and will remain open for the match. Select concessions will also be open in the park to purchase. A live DJ will be on hand for music, along with appearances by the Pad Squad, photo opportunities, giveaway items and interactive activities. Tanabata FestivalWhere: Japanese Friendship Garden; Cost: - Celebrate Tanabata, the meeting of the stars Orihime and Hikoboshi in the Milky Way galaxy on the seventh day of the seventh month, in Balboa Park with festival foods, carnival games, cultural performances, demonstrations, and more at Japanese Friendship Garden.PAWmiconWhere: Comic-Con Museum, Balboa Park; Cost: Helen Woodward Animal Center will host their annual PAWmicon, a free dog- and kid-friendly event to get families into the Comic-Con spirit and celebrate their canine companions. A costume contest will be held for both dogs and owners, and the event will also feature music, games, comic-themed prizes, and dog goodies. 4946

SAN DIEGO (KGTV) -- It's not often you hear about a bird being rescued from a tree. That's a task San Diego Fire-Rescue was up to in Mission Bay Thursday. Around 12:30 p.m. County Animal Services called for special service when they found an owl entangled in a tree. In a Facebook post SDFR wrote that the owl was caught in fishing line, leaving it suspended from the branches of the tree near 1775 E. Mission Bay Drive. The Engine 20 crew used a ladder to get to the bird and help set it free.  533

SAN DIEGO (KGTV) - Many residents living in and around the polluted Tijuana River Valley expressed frustration this week with a plan to use taxpayer money to fund a campground instead of working on a fix to the raw sewage pouring over the border from Mexico into San Diego County. California Senate Bill 507 was signed by Governor Jerry Brown last month and allotted .5 million towards a campground and only 0,000 to study potential fixes to the sewage.“It seems like it’s the bastard child of San Diego and it just sucks.  It’s not fair,” said Ginger Sacco of the Citizens Against Sewage group.Sacco told 10News they were under the impression the bill, which was backed by Senator Ben Hueso and Assemblyman Todd Gloria, would be used to fight the sewage problem.  Instead, Sacco said they only learned last week most of the money would fund a campground backed by San Diego County Supervisor Greg Cox.“I can’t imagine people in their right mind wanting to camp down here knowing all the sewage and toxins that have been coming through here,” said Sacco.A spokesman for Supervisor Cox emailed 10News a statement:“The .1 million comes from a 1988 State park bond act that was specifically designated by the voters for the purchase of land to expand the Tijuana River Valley Regional Park. At this time, after the purchase more than 1,800 acres, there are no additional lands necessary for inclusion to the Regional Park, therefore, we sought State legislation to slightly shift those park funds for the creation of the park and open space amenities.0,000 of that money was allocated to study potential fixes to the sewage spills on the U.S. side….County taxpayer money designated by the voters for a County park is not the proper funding source for an international water pollution prevention and treatment project costing hundreds of millions of dollars.”A spokeswoman for Senator Hueso said she issued news releases that mentioned the campground element.  Sacco said the residents never saw or heard about the campground until recently.An SB 507 promotional YouTube video featuring Assemblyman Gloria focused heavily on the sewage damage but doesn’t mention the campground.  His spokesman sent 10News a statement:“Assemblymember Gloria has been and remains committed to exploring solutions that will stop the pollution in the Tijuana River Valley. The purpose of the video was to highlight the State’s commitment to funding a feasibility study for the development of infrastructure on the U.S. side of the border.As mentioned in the video…this bill starts us on a path toward a long-term solution. It is worth noting that without SB 507, the State would not be funding a feasibility study. In fact, none of this money would be coming to the Tijuana River Valley.” 2807

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