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It's no secret that this is a challenging time for many, and the insurance industry is reacting to the new world we're in as a result of COVID-19.They're implementing everything from rebates and refunds to new policies.As many aspects of life are different now, motorists are traveling less and getting in fewer accidents. Recent events have also caused an increased interest in life insurance.“More customers are considering life insurance (as) an opportunity for us to help them recover from the unexpected around COVID,” says Kristyn Cook, senior vice president of agency marketing at State Farm Insurance.Interest in life insurance is swelling across the nation and being noticed industry wide. The Insurance Information Institute helps people understand insurance and what it does.Insurance Information Institute director Janet Ruiz said COVID-19 got people thinking.“I think they’re concerned and thinking about mortality and illness in the world,” Ruiz said. “It’s always important to have life insurance but sometimes people are so busy, they’re not paying attention to these types of needs they have whereas right now they’re looking at their financial picture and thinking, ‘Hey, I should have life insurance for my family and make sure they’re taken care of if something happens to me.’”And she says they have more time to prepare for catastrophe.For State Farm, that's helping people navigate what could happen in your region."There are very real significant risks relative to wildfires in California or hurricanes in Florida, or storms in general,” Cook said. “One of the things we pride ourselves on not just helping people recover when something happens but how to help them think about risk mitigation on the front end.”Cook says State Farm's 19,000 agents across the country are talking to clients about how to protect your home. Things like taking inventory, reviewing what kind of coverage you have and what you can do to structurally to protect your home. These are things, that before COVID-19, people would push off for a later date.“People are home and they have more time sometimes to think about the what if scenarios and that intersects with our reach out by our agents to say how can we help you," Cook said.Another big change is automotive coverage. Auto insurance customers policy should check their policies and reach out to their agents. Companies are sending refunds or rebates to customers due to changing driving habits.“We call it good neighbor relief program,” Cook said. “Payment flexibility, options relative to providing relief, we announced a dividend, a return of value to customers to the tune of billion recognizing they are doing less driving and there are fewer accidents.”Some are beefing up homeowner and renter policies, again, thinking about things as they're home and reviewing their properties.“If there’s a water leak, they’ll detect it quickly and get it fixed and they’re not having as much theft because they’re around the house and so you don’t have the thieves coming in while you’re at work,” Ruiz said.She also said most agencies are allowing you to put off payments for a month or two if you need a financial break. State Farm realizes that looks different for every customer and their unique situation. 3275

INDIANAPOLIS — Two Indiana veterans are raising concerns publicly about the Military Family Relief Fund, a fund that helps veterans get emergency help with food, housing, utilities, medical services and transportation.When you purchase a veteran license plate or a Support the Troops plate, a chunk of that money goes into the Military Family Relief Fund.The Indiana Department of Veterans Affairs administers the fund, and it says on their website that veterans and their families can get up to ,500.“Grants up to ,500 may be awarded,” reads the website. “The qualified individual or family member can receive up to ,500 one time from the Family Relief Fund.” Lisa Wilken, an Air Force veteran and veterans advocate, told WRTV someone contacted her with state records that show some people are getting beyond the ,500 limit.“I was very shocked,” said Wilken. “The big deal is ... the rules are the rules.  Anytime it’s beyond that limit, that’s a misuse of that fund.”The records shared with WRTV show several of the people who received more than the ,500 include employees of the Indiana Department of Veterans Affairs and the Military Family Relief Fund itself.“Employees at IDVA have been able to get this fund above ,500 where veterans around the state have been denied that opportunity,” said Wilken.Since 2016, IDVA has denied 799 applications to the Military Family Relief Fund.During that time frame, 3,971 applications have been approved.William Henry, an Army veteran and former adjutant of the American Legion, is also concerned about the inconsistency of how the fund is distributed to veterans in need."Those documents show potential misuse with the Military Family Relief Fund," said Henry. “To me, it looked very suspicious and called a lot of things into question and I thought immediately it needed to be looked into.”Henry said the American Legion asked him to resign when he pushed for the Indiana Inspector General to investigate IDVA and the Military Family Relief Fund."That's what it comes down to, doing the right thing,” said Henry. “Even though I lose a job. I'll find another job. That's fine but the thing that's important to me is justice."WRTV asked for an on-camera interview with IDVA director Jim Brown.He declined but provided a statement in which he said “a limited number” of people who received funds beyond the ,500 limit were IDVA employees. 2438

It's that time of year again, not only for gift-getting but also for gift-giving. And this year, some holiday tipping protocol is changing due to the pandemic.An appropriate holiday tip amount will vary based on who is receiving the tip and also how much you can afford to give, and this year that might have changed for many compared to last.Co-president of The Emily Post Institute and etiquette expert, Lizzie Post, suggests considering the following:"Who’s on your list, who is really important to you, what is your budget, and how can you use your words if you can’t do a gift or tip," she said.For many of us, delivery drivers or people who work curbside pick-up at grocery stores likely played a bigger role in 2020 than ever before. If you're looking for a way to say thank you, consider a contact-less gift in the range."I’ve heard of people handing over a few bucks or sometimes even taping it in the trunk, then you pop the trunk and the money’s there," said Industry Analyst at Creditcards.com Ted Rossman, who's gathered data on holiday tipping trends and practices.Especially now, metro Detroit servers like Patrick Foody say an extra gesture really goes a long way. He works at Basement Burger Bar in Detroit, which doesn't have outdoor dining and due to an epidemic health order from MDHHS, cannot offer dine-in service until Dec. 20.Foody says he often doesn't get any tip at all when working take-out, and after tipping out cooks and dishwashers, he sometimes loses money on orders.“We take care of you all year long. Around the holidays especially this year when we’re not working dine-in, just to throw a little bit more care our way if you can," he said.You can also buy gift cards to restaurants in lieu of giving extra cash tips for the holiday; some venues like Basement Burger Car offer discounts or deals. At Basement Burger Bar, every in gift cards you spend gives you bonus bucks to spend at the restaurant, Foody says.“There are some industries, some places where they cannot accept gifts or cash, Post said. Like certain long-term care facilities or mail carriers. USPS workers cannot accept cash or gifts more than a value.In cases like that, Post suggests snacks, refreshments, or baked goods with a handwritten note. It's important to make sure there's enough to be shared with co-workers or other members of an office or branch; always leave a note and a visible list of ingredients, Post advises. And this year due to the pandemic, pre-packaged or individually wrapped items are best.“A minority of people are tipping their trash or recycling collectors, only about 40 percent of people typically do that," Rossman said.Cash tips for garbage or recycling collectors should generally be in the - range according to The Emily Post InstituteFor personal service providers like stylists, barbers, personal trainers, dog walkers, and the like, a holiday tip should be the value of one session or serviceFor regular babysitters, an appropriate holiday bonus would be equivalent to one day or night's payLive-in care providers or house cleaners should be given one week's pay as a sign of holiday appreciationPost said for those who cannot afford to give a monetary thanks this holiday season, handwritten notes that explain the difficult circumstances and offer appreciation for service go a long way.Click here for more holiday tipping protocols to remember this year.This story originally reported by Jenn Schanz on WXYZ.com. 3485

In the early morning hours of November 8, 2000, the state of Florida, which had been previously called for Al Gore earlier in the evening, was called for George W. Bush.Within minutes, Gore called Bush to offer a concession, as customary, and wished him well as president-elect. As Gore prepared to take the stage to address disappointed, a stunning development occurred.Gore unexpectedly only trailed by several hundred votes. Gore called Bush to retract his concession, which media reports at the time suggest stunned Bush’s campaign.Over the course of a month, legal battles ensued as the pivotal state in that year’s election was very close. More than a month later, after Gore lost a Supreme Court battle, he again called Bush to offer his concession. This time, Gore addressed the nation.“Now the political struggle is over and we turn again to the unending struggle for the common good of all Americans and for those multitudes around the world who look to us for leadership in the cause of freedom,” Gore said. “In the words of our great hymn, "America, America": "Let us crown thy good with brotherhood, from sea to shining sea. And now, my friends, in a phrase I once addressed to others: it's time for me to go.”For years, Election Nights took a familiar order: The networks project a winner, the losing candidate calls the winner, that candidate speaks, and then the winning candidate addresses the country.In 2016, the usual order was slightly broken. While Donald Trump had been declared the winner by the Associated Press, and Clinton called Trump to offer a concession, it was Trump who decided to speak to supporters. Clinton opted to address supporters the next morning."I congratulated Trump and offered to do anything I could to make sure the transition was smooth," Clinton wrote in her 2017 book “What Happened.” "It was all perfectly nice and weirdly ordinary, like calling a neighbor to say you can't make it to his barbecue. It was mercifully brief.”Like previous concession speeches, Clinton’s concession speech offered gratitude for supporters, and an offer to unite behind the newly-elected president.“Donald Trump is going to be our president,” Clinton said. “We owe him an open mind and the chance to lead. Our constitutional democracy enshrines the peaceful transfer of power.“We don't just respect that. We cherish it. It also enshrines the rule of law; the principle we are all equal in rights and dignity; freedom of worship and expression. We respect and cherish these values, too, and we must defend them.”While elections of 2000 and 2016 were between two non-incumbent candidates, concessions can become more tricky when the sitting president loses to a challenger, like in 1980 or 1992. The last two times the incumbent president lost were not close elections.“I called Governor Reagan in California, and I told him that I congratulated him for a fine victory,” President Jimmy Carter said in 1980. “I look forward to working closely with him during the next few weeks. We'll have a very fine transition period. I told him I wanted the best one in history.”“I just called Governor Clinton over in Little Rock and offered my congratulations. He did run a strong campaign,” George W. Bush said in 1992. “I wish him well in the White House. And I want the country to know that our entire administration will work closely with his team to ensure the smooth transition of power. There is important work to be done, and America must always come first. So we will get behind this new President and wish him well.”Years later, Bush joined with Clinton to become a philanthropic duo. The two united to raise funds for disaster relief following the Indian Ocean earthquake of 2004, Hurricane Katrina of 2005 and the Haitian earthquake of 2010.Whether the customary order of events happen in 2020 remains in question as Trump has vowed to fight if the election is called in Joe Biden's favor. Currently, Joe Biden holds an advantage in enough states to become elected. 4004

INDIANAPOLIS — Kohl's says an issue with their third-party payment system is to blame for holds on customer accounts, unfilled Black Friday orders and even some customers being charged multiple times.Bailey Webster said she ordered a gaming system online on Black Friday at Kohls.com. When she woke up Saturday morning, Webster says she had an email from Kohl's saying the order was canceled because the item was sold out. Instead of canceling the order immediately and returning her funds, Webster said Kohl's tried to re-charge for the item, which was still out of stock.  592