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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) -- Like pretty much everything else in 2020 Thanksgiving travel looks very different. San Diego International Airport was pretty empty Wednesday afternoon with no crowds or long lines and everyone was wearing masks.While it appeared to be smooth sailing for passengers, airline workers are faced with more of a challenge.“For United Airlines no one has been rehired for the holiday,” said Dante Harris. He’s a flight attendant of 21 years and President of the Association of Flight Attendants Southern California chapter. Harris was one of many hit by massive airline layoffs in October when stimulus money ran dry.“Industry-wide, more than 100,000 employees in the airline industry have been furloughed,” said Harris. “It has been absolutely a disaster.”While he’s not currently flying, some of his colleagues still are. Many of them faced with this problem:“Flight attendants are trying to enforce the mask policy, there are people who get belligerent, people who get non-compliant,” said Harris.Cases across the county are on the rise, yet Harris says some airlines are pushing towards getting back to normal.“Selling alcohol and serving food. We are fighting against that. that is not something we want to go back to right away.”The Auto Club estimates nearly 4 million Southern Californians will travel for Thanksgiving. Three-and-a-half million will travel by car and about 270,000 by plane.If you are heading out for the holiday, keep the following advice in mind.“We’re 35,000 feet in the air and all we have is each other,” said Harris. “We have to have that sense of community to make sure we’re all taken care of. We are asking people to be kind to each other, especially be kind to your flight attendants.” 1743

SAN DIEGO (KGTV) -- It’s Safely Back to School week on ABC 10News and we’re talking about issues that impact education during this pandemic. On July 29, ABC 10News anchor Ben Higgins and special guest Dr. Joi Spencer, Interim Dean & Professor at the USD School of Leadership and Education Sciences, discuss racial justice in education. 347

SAN DIEGO (KGTV) — It's something many of us do in San Diego: We see a picturesque sunset. Rummage around for our phone and open up its camera. Snap a photo and post it to social media.One San Diegan who did just that could see her photo named the Smithsonian's mobile photo of the year.Jacqueline Mckune was walking along the Pacific Beach boardwalk with a group of friends when they stopped to notice the serene orange glow of the evening's sunset."It happened to be a really good sunset too, we just took some previous pictures before with the whole group," McKune said, and that's when she noticed a particular subject against the scenic backdrop.RELATED: Where to capture the most picturesque scenes of San DiegoThe silhouette of man creating massive bubbles with rope strung between two poles against the soft glow of the sunset."So this guy’s making these huge bubbles … and I saw the colors with the sunset behind it," McKune said. Snap.She posted her photo to Facebook and soon, commentators suggested she submit it to a photo contest. After a quick search, she came across the Smithsonian's 16th Annual Photo Contest.RELATED: Convoy Street rooster mural highlights efforts for future neighborhood archwayThat was in June of 2018. McKune's photo would slowly climb with interest: First being a photo of the day, then an "editor's pick.""It was really, really exciting," McKune says. Now, it's a finalist in the mobile category against 9 other finalists picked from thousands of submissions from hunderds of countries. And locals can help make sure it takes home the prize by voting on the Smithsonian's website here."I’m hoping to get at least the photo category," McKune said. "I’m usually a dramatic person so [if I win] there’s probably a scream in there."Voters can submit one vote per day until March 29 at 2 p.m. for McKune's photo. 1855

SAN DIEGO (KGTV) -- Mayor Kevin Faulconer is among local leaders expected to leave for Mexico City Sunday morning. The trip, which includes Imperial Beach Mayor Serge Dedina, is meant to strengthen ties between the border. The mayors plan to discuss border infrastructure projects, pollution in the Tijuana River Valley and economic ties with leadership in Mexico. RELATED: Trump threatens to 'close' parts of US/Mexican border if Mexico doesn't immediately halt immigrationThe trip comes as President Trump said he would shut down the border with Mexico if the country doesn’t handle the wave of asylum seekers entering the U.S. The San Diego Regional Chamber of Commerce says shutting down the border would have severe consequences. “Our daily lives are effected by the border crossings and how long that takes. So we certainly wish that not to be something to be toyed with,” said Jason Wells, Executive Director of the San Ysidro Chamber of Commerce. The San Ysidro Port of Entry is the busiest land crossing in the U.S. with nearly 100,000 vehicles and pedestrians crossing every day. 1098