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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 San Diego Comic-Con's first foray as an online-only event, fans experienced some benefits and pitfalls of a virtual convention.While fans had arguably the most access to Comic-Con content ever, there were still some aspects that couldn't be recreated digitally. At the same time, that's all right. Fans afraid there would be no convention whatsoever still got to enjoy the annual pop-culture celebration.With that said, there are some things fans may like to see again even at an in-person convention — or hope to avoid.RELATED:Videos and Special FX: Perks of San Diego Comic-Con going virtualPHOTOS: Best cosplay from San Diego Comic-ConSan Diego's hospitality industry suffers from Comic-Con@HomeWhat worked: PanelsFor the first time in Comic-Con history, every attendee had the opportunity to see any of SDCC's hundreds of panels. No waiting in Hall H's line. No attending an earlier panel to save a seat for a later event. Every panel was streamed on Comic-Con's website and most were made available on YouTube afterward for fans to catch. Exclusive content aired during panels also made their way onto the internet arguably faster than previous years. While the glitz of seeing stars, artists, and writers in person was missing, the heart of enjoying a panel for its presentation was still there.What didn't: ExclusivesAdmittedly, Comic-Con isn't just about exclusive merchandise. But many attendees enjoy being able to score gear that you'll only get at SDCC — for resale or to keep. However, when it came to exclusives, internet connection and website servers were at the will of how many people logged onto their site. So when something was highly sought after, websites saw a lot of traffic — sometimes too much. In the case of several popular merchandisers — like Funko, Mondo, or Hasbro — exclusives often sold out quickly, sometimes before the convention even occurred. What worked: "Off-site" experiencesOff-site experiences outside the convention center have become as much of Comic-Con as the exhibit hall inside the center. With the convention online, some exhibitors took the opportunity to host some unique games and activities on their own websites. FX Unlocked showcased its lineup of FX shows with games, trivia, and digital extras, while Amazon held its own virtual con to showcase its products and Amazon Prime shows. FutureTechLive! also put together a virtual World Builders activation for users to unleash their imagination.What didn't: CosplayOne of the best parts of Comic-Con is seeing everyone dressed up as their favorite characters waltzing around downtown San Diego. Where else can you run into Kirk and Spock or Batman enjoying a bite to eat in broad daylight? While the convention did its best to showcase cosplayers online with a "masquerade ball" via Tumblr, it just isn't quite the same as being at the event in-person. What worked: Connecting with fansHosting Comic-Con online ensured fans can connect with their favorite comic book writers, artists, and even entertainers. Without having to manage a tight schedule of going location to location for panels and events, users could simply log on and watch a panel, win some free swag in some cases, or reach out to comic book writers and artists for commissions or to purchase their work. No walking through a packed Artist Alley or standing in line for a free t-shirt — though some may argue that's part of the appeal.What didn't: Recreating being thereSDCC made several activities available online ahead of the convention, like signs and badges to print out to dress your home for the event. A virtual exhibit floor was also offered online and while fun, was a bit tricky to navigate on your phone. Though it was great to offer those activities for fans, nothing can really recreate that feeling of walking through the halls of the convention center or visiting your favorite comic book artists. 3915

SAN DIEGO (KGTV) -- Looking around Barrio Logan, you can't miss the shopping carts, tents and camps belonging to the homeless. Residents of the San Diego neighborhood say the city is turning their community into a "homeless ghetto" - and it's time for it to stop. Tuesday night a group gathered outside the Our Lady of Guadalupe Church, calling on the city to provide "fair distribution of homeless services across San Diego.""It's unbelievable what the mayor and the City Council are doing to this area," said Father John Auther. The priest pointed to a map, asking why a nearly 370 square mile city is putting most of the homeless services in a one-quarter square mile. Father Auther says the concentration of services goes beyond the residents of Barrio Logan. It's bad for the homeless community, too. The area was hit hard by the hepatitis A outbreak.RELATED: Health officials reminding San Diegans about hepatitis A shot "Many of the homeless as we know suffer from addiction problems, alcoholism, mental illness, and what the city has decided to do is put all of them together," Father Auther said. "How will anyone get well?"Right now, city crews are working on a transitional homeless facility in the neighborhood. The facility is going up just 15 feet away from a school playground. A playground closed because of the homeless issue. "We can no longer feel comfortable, feel safe with our students down here on this playground," said Noel Bishop, principal of Our Lady's School San Diego.10News asked a few people in the homeless community two questions: 1. Will the new facility help you? All said yes. 1651

SAN DIEGO (KGTV) — Longtime San Diego State football coach Rocky Long is stepping down after nine seasons.San Diego State officials announced Wednesday that Long will be replaced by Aztecs defensive line coach Brady Hoke.Hoke was SDSU's head coach in 2009 and 2010 before leaving to become head coach at Michigan. Long served as defensive coordinator under Hoke and replaced him when he left in 2010.RELATED: San Diego State basketball reaches top ten in polls for first time since 2014During his nine seasons as head coach, Long lead the team to a 81-38 record, three Mountain West Conference championships, and four 10-win seasons since 2015. Combined with previous head coach positions, he is 146-107 in his career."It's time. It's time," Long said. "I love coaching but I don't necessarily love all the things head coaches do."Long said it's time for a "new face" and "new voice.""It doesn't mean the message will be different it just means it will be presented in a different way ... as you grow older you know when it's time," Long said.RELATED: San Diego State's stadium effort gets -million donationLong never saw a losing season at the helm in San Diego, his team's best performances coming in 2015 and 2016 with back-to-back 11-3 records. He was named Mountain West Conference coach of the year in 2012 and 2015 and led SDSU to a bowl appearance all nine years, with four bowl wins.SDSU's most recent season saw the team end with a 10-3 record and dominant 48-11 win over Central Michigan University in the New Mexico Bowl.Since taking over as head coach, Long has led San Diego to rank 11th in rush defense and interceptions, 14th in total defense, 20th in scoring defense, 22nd in turnovers caused, and 26h in defensive pass efficiency, according to the school.It's unclear what Long intends to do next, but sources tell ESPN he spoke with Syracuse about a defensive coordinator position recently and intends to keep working. To that point, Long remained coy on those rumors, saying only that he's been contacted by programs and "as of this moment I'm retired. That doesn't mean I'm not going to listen to what they have to say.""I was smart enough to listen. And a couple of those places I visited," Long said. "I mentioned it before, I'm tired of being head coach but I love coaching."RELATED: Holiday Bowl kicks off amid uncertain futureHoke posted a 13-12 record during his first two seasons with San Diego, going 4-8 in his first year and turning the program around to a 9-4 record and Poinsettia Bowl win the next season. As head coach at Ball State, SDSU, Michigan, and Tennessee, he's recorded an overall record of 78-72. "When Brady decided to come back I told everybody he's the best defensive line coach around," Long said of his replacement. "He's a great guy and a great head coach."Hoke thanked Long and the program officials that looked to bring him back into the Aztec fold."It's great to be back," Hoke told reporters Wednesday. "You never get to do something twice that you really want to do in life ... I can assure you, we are going to keep going in the direction that we're going."Hoke said he'll next be looking at how he'll put together his coaching staff, saying "I think the guys here are a privilege to work with and are good men."In his time away from San Diego State, Hoke says he plans to continue the trends and successes already in place."I think philosophically, that hasn't changed much," Hoke said. "You always grow, if not, you won't get to where you want to go." 3521

SAN DIEGO (KGTV) - Law enforcement agencies across San Diego County must comply with a new law designed to increase transparency of police misconduct.Senate Bill 1421 requires departments to release records of officer-involved shootings and major uses of force, officer dishonesty and confirmed cases of sexual assault to the public.Earlier this year several police associations in San Diego County sued to block the release of records, arguing Senate Bill 1421 doesn’t contain any express provision or language requiring retro-activity or any clear indication that the legislature intended the statue to operate retroactively.They claimed the bill eliminates the longstanding statutory confidentiality of specified peace officer or custodial officer personnel records.In March a judge ruled the bill applies retroactively to all personnel records of peace officers not only now but before January 1, 2019.The Judge ruled no records could be released before March 29 giving the unions time to appeal if they want. It does not appear any have appealed.Some agencies tell 10News they plan to start releasing records this week.10News is still waiting to hear from other local agencies about when they are planning to release records. 1238

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