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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) -- Local gym owners are faced with another difficult decision as San Diego County moves into the purple tier, the most restrictive of the state’s classifications of COVID-19 spread.Under the new regulations, gyms may not operate indoors, meaning those who cannot operate outdoors will be mandated to close.The restrictions take effect Saturday.RELATED: County moves into California's COVID-19 purple tier“You want your members happy. You want your staff happy. You’ve got to put food on your table. And you’re trying to do the right thing, you’re wearing a mask and you’re indoors, so it’s going to be just an unbelievable, worrisome time,” said Bryan Welch, general manager of the Point Loma Sports Club.Welch said the new restrictions will not have a significant impact on his gym because the Point Loma Sports Club had already moved 90% of its operations outside. But he said he empathizes with gyms that do not have usable outdoor space or a cooperative landlord.Even some gym owners that can move outside may not choose to do so. They say limits would force them to operate at an untenable loss, leaving them to choose between operating indoors in violation of public health orders or going out of business. One owner, who did not wish to be identified, told ABC 10News he plans to continue indoor operations in order to stay in business.RELATED: Restrictions to hit retailers as holidays approachWhile Welch is empathetic to gyms facing that tough decision, he said he believes the only way to safely reopen all businesses is for the portion of the public that has eschewed safety measures to commit to wearing masks and social distancing.“I think your freedom actually grows. And you have to wear a piece of cloth on your face. Who cares?” said Welch. 1783

SAN DIEGO (KGTV) - It looks like a mini farmer's market: fresh fruits, vegetables, herbs, even flowers.All of it coming from home gardens like Rosemary McElroy's. She and her fiancé Kevin Rookey love having fresh produce in their own backyard but, "we realized everyone has way more produce when you grow it than you can actually consume."The couple posted on the Nextdoor App, thinking maybe other neighbors wanted to trade.RELATED: Making It in San Diego: Reverse meal planning saves woman hundreds on grocery billThe response was so overwhelming, McElroy decided to organize a meet-up."This is around Lake Murray, let's host it at Lake Murray, we'll call it Lake Murray Produce just to give it a name," said McElroy.So far they've done three swaps, once a month for about an hour. Each time more and more people show up, able to walk away with organic produce for free and make sure nothing goes to waste.RELATED: Ocean Beach duo cook up 'foodie' meals on a day budget"When you have 500 oranges on a tree and you're not eating THem you feel guilt, right? So I think it’s about relieving guilt, too," said McElroy.If you'd like to know more or participate, click here. 1181

SAN DIEGO (KGTV) -- Looking for somewhere to take the kids this weekend? Look no further than the Annual Fall Back Festival.Themed in the 1880’s, the free festival will be hosted in the Gaslamp Quarter in downtown San Diego on November 5 from 11 a.m. to 4 p.m.Throughout the event, kids can take a pony ride, learn to churn butter, dip their own candles and pan for gold. Booths will be set up at the festival where kids can learn about different nationalities and how they’ve contributed to the makeup of San Diego.There will also be a spaghetti, pie or ice cream eating contests. Yum!Click here for more information on the festival.  648

SAN DIEGO (KGTV) - If you run a small business, there’s a good chance you can find affordable office space. But what you may not find is flexibility, and you could get stuck with a long-term lease. Or, you could consider one of the many co-working spaces around San Diego. 10News is taking a closer look at that option in our quest to help you Make it in San Diego. "This is a tiny, skinny office that can seat two people but that's all we need," says Kyle Carpenter looking around his 15-feet by 6-feet office.Carpenter is CEO of SolidSurface.com"So yeah, we just launched this," adds Carpenter showing off his new website design. RELATED: Tips to help you work from homeSolidSurface.com is an online market place for decorative kitchen and bathroom surface material sold directly to consumers. Carpenter founded his small business in 2007 and used to run it out of his home. But, one thing was missing. "I needed a space to work, but it was also very important to be around other people," says Carpenter.He found that social interaction and affordable shared office space at Cross Campus near downtown San Diego. "That's why we exist, to bring people together. So, people can be productive in this space and also help each other out," says Briana Tovey, Senior Campus Manager at Cross Campus in San Diego. Cross Campus also has locations in Los Angeles and Scottsdale and each office has the space to host larger events. The shared office space here in San Diego is over 20-thousand square feet housing about 250 members."First of all, we're in Little Italy, which is very cool," adds Tovey with a smile. Going to work within walking distance to the city’s trendiest restaurants, cafes, and bars is an excellent start. An entrepreneur, a writer, any small business for that matter can use a desk for as little as 0 a month. From there, think a la carte for office space. And as your company grows, Cross Campus has the space to help you do so. In addition, for small businesses just trying to navigate through growing pains, there is no long-term commitment. "One of the benefits of our space is that we’re super flexible,” says Tovey. “So, you don't have to commit to a 3-year lease or even a 1-year lease.” You also avoid the cost of a complete build out. Your desk, internet, printing, coffee, snacks, kitchen, they're all provided. Plus, the occasional community happy hour. You can't get that at home. "To be able to be around this sort of creative, vibrant community," says Carpenter "It’s kind of inspiring."Cross Campus will give you a tour of their San Diego location if you're in the market for shared office space. There are also numerous co-working spaces throughout San Diego County. Below are just a few that might fit your needs: CommonGrounds is located in Carlsbad conveniently across from the Poinsettia Coaster Station. This site captures the California work-life with expansive outdoor seating and patio area centered around INVITA café. Their on-site chef cooks daily organic specials that pair beautifully with the cafe's Italian espresso beverages. CommonGrounds features private offices, traditional co-working, and meeting spaces housing over 200 members representing over 100 companies.WeWork has locations in La Jolla UTC and Downtown.Premier Workspaces has locations in Downtown, La Jolla, Del Mar, Mission Valley, and Rancho Bernardo.Regus offers both Commercial Office Space and Co-working space. 3443

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