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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) - 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) -- Many kids are starting the school year with a device at home as schools across the state go back in session.Meanwhile, some of their teachers are back in the classroom alone, running classes virtually to help keep some of the normalcy intact."I come to school for the kids," said Tanya Morrison, a geography teacher at West Hills High School in Grossmont Union High School District.Last school year, she taught six classes and saw around 190 teenagers every day."Now, I am waiting for my students to log in," Morrison said.Instead of walking up and down rows of desks, she teaches her twice a week virtual lessons through the computer. Her computer sits at eye-level thanks to a stack of textbooks.Morrison's got two screens, so she can see the teens and the lesson."They should already be working," she said. "They get their assignment at 8 in the morning on our Schoology platform, and they just log-in, and it's kind of self-directed work, and then we move into twice a week Zoom meetings," she said.Preparation for the lesson began days earlier.Instead of a free form approach, Morrison makes a slide presentation to keep the students engaged."I’ll use an app today called Pear Deck, and what it does is it makes Google Slide presentations interactive," she said. "So each slide they have a chance on their end to write a response and it kind of forces engagement and gives them something to do while I'm talking."But even with all the planning, there's still challenges."In the classrooms, I can see that kids are disengaged," she said. "With this, I'm trying to figure out are you really disengaged or do you have a lot of kids in your house, and it's just easy to get distracted."Morrison's been teaching for 16 years.Instead of teaching from home she chose an empty classroom and campus to make sure she's focused on the students as this year's needs are so different. Not everything happens in a Zoom session."Just those normal conversations that might happen in five seconds in the room is like 45 minutes of buildup and email conversations, can I call you now, are you going to answer and those little things," she said.With more than half of the counties in California on the state’s monitoring list, most learning, for now, is at a distance.Morrison doesn't make the rules on how or when kids will be back, but she tries to control what she can."It gives me that passion to keep going and just to see that I do this for the kids," she said. 2481

SAN DIEGO (KGTV) -- Marty Coyne snags the same prime spot at Campland on the Bay every Fourth of July weekend.He parks his massive RV right across from the water."Wouldn't trade it in for any other place to stay in the summer," he said Friday. "It's beautiful here, safe here, the grandkids can run free and have a great time."This year - however - the celebration is quite a bit different - due the outbreak of Covid 19.Campland on the Bay, on Mission Bay's north end, is like many hotels along San Diego's coastline. It's not totally booked.Elvin Lai, who owns the Ocean Park Inn in Pacific Beach, said he was booked in the high 60 percents at a time when the hotel is usually full. "It doesn't mean that I won't get last minute bookings but we're used to being sold out for the month of July months in advance, so it's different."On Friday at the campland, the mood was festive, but the activities were limited - the skate park and basketball courts were taped off. There won't be any bands for outdoor entertainment, and indoor dining is disallowed.Campland on the Bay also placed yellow cones on the beach to give people a clear path to the water. It's also requiring all tents to be spaced out by eight feet. Masks are required in public areas, and rangers are carrying around extra.Still, not every visitor was wearing a mask."Everybody doesn't follow it," said Barry Homer, who is staying on the grounds with his wife Cindy. "It'a always a problem everywhere in the world, for lots of reasons."Hotels and Campland are still open to last minute reservations."We anticipate it's going to be be like this no more than today and tomorrow, and then it'll go down to quiet as people go back to their normal lives," said Ahmed Aitlahcen, the campland's general manafger.The Auto Club predicts 107 million residents of the Pacific Coastal states will take trips this summer. That's down 17 percent from 2019. 1916

SAN DIEGO (KGTV) - Locals gathered in Mission Bay Saturday to protest a hotel's expansion plans which they say will complicate public parking and access.The Bahia Resort Hotel has planned a number of changes to the area surrounding the hotel, aimed at adding lawn and picnic areas. The plans for the expansion were approved by the City Council in 1994. Hotel owner Bill Evans said there have been more than 110 meetings on the subject.Hundreds of protestors paddled out Saturday with signs calling to "save Bahia Point," in opposition to the plans, which will remove a strip of public parking from the nearby beach — used by many to paddleboard or kayak in the bay.RELATED:  732