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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 Rep. Duncan Hunter addressed the federal investigation into his campaign's spending and gave his thoughts on the ongoing gun control debate. 173

SAN DIEGO (KGTV) - Local supporters of both Joe Biden and Donald Trump were watching the election vote count closely throughout Friday.Ellen Nash, who heads the San Diego chapter of the Black American Association of Califorina, a minority advocacy group, put up her Biden/Harris yard sign about a month ago.During the election season, she helped organize a voter registration campaign. Since election night, it's been a constant case of the nerves."Incredibly excited, praying night and day," said Nash.Her eyes have been glued to the television and coverage of the vote count. Throughout Friday, her candidate edged closer to being declared the winner."I will feel relieved that the trauma is over. I'm speaking as a black woman who has been under significant trauma the last four years, in terms of some of the language and behavior of the leader of the free world. Hopeful change is coming," said Nash.There is no questioning her dislike of President Trump, but on this day, she is focused on the country’s future."I believe Biden can bring this country together. I believe he can help us heal as a nation," said Nash.It's a different opinion for local Trump supporter, Blake Marnell.During the campaign, Marnell garnered national attention for wearing a brick wall suit, illustrating his support of President Trump’s border security policy. Trump even called him up on stage, as Marnell attended some 15 rallies where the president appeared."He has the right to make these legal moves. He shouldn't be conceding ... mainstream media can do anything they want in terms of calling an election. That doesn’t make it so," said Marnell.Marnell backs Trump's vow to press on with recount and lawsuits involving his claims of voting fraud. After Trump spoke Thursday, some criticized him for alleging fraud but providing no evidence."It would be irresponsible to produce evidence of fraud in a press conference. The time and place for producing evidence would be in discovery in any court proceedings ... The vote count is not ideal, but I'm still hopeful," said Marnell.Marnell plans to attend a weekend Trump rally in Phoenix. He also attended a rally in Las Vegas Wednesday."I would go to show my support for the president. He has fought long and hard for us over the past for years, and I don’t intend to abandon the fight for him," said Marnell. 2355
SAN DIEGO (KGTV) — Mission Valley is in store to get an additional nearly 30,000 homes by 2050, according to a new plan the City Council unanimously passed Tuesday.The council voted 9-0 to pass the Mission Valley Community Plan, which would increase the number of allowed housing units in Mission Valley to 39,200. Currently, the area has about 11,200 units. The idea is to change Mission Valley's underutilized strip malls into mixed-use developments, where housing and commercial are under the same roof. "That dream, that American dream, that middle class security that is created by home ownership is now vanishing for a large segment of the population, and we can do better," said Jonathan Frankel, who heads the Mission Valley Community Planning Group. But Mission Valley is currently one of the cities most congested areas. Currently, the city says 600 people live and work in Mission Valley, but 40,000 commute in daily. As part of the plan, the city would add bridges and roads, plus an additional trolley stop and bike and walking paths. It would allow the people who do live and work in Mission Valley to get where they need to go, without a car. "The Mission Valley Community Plan Update is a no-brainer that will increase desperately needed housing stock, improve amenities for residents and will help the city meet its climate action goals,” Councilman Scott Sherman said in a statement. “I appreciate my council colleagues for approving this important community plan update.”The city aims to turn Mission Valley into a transit environment to help with the region's housing crisis and its climate action goals, a staff report says. 1654
SAN DIEGO (KGTV) – Locals seeking a career change may find the opportunity with several "recession-resistant" jobs in San Diego, as the region grapples with high unemployment amid the coronavirus pandemic.San Diego-Imperial Center of Excellence for Labor Market Research has identified 64 occupations ranging from entry-level to positions requiring a degree and include nursing, teaching, engineering, and technology industries among others. "I think people are going to want to also recession-proof their lives after having potentially been displaced from an industry," said Dr. Sunita Cooke, President of MiraCosta.Here's a look at the jobs, typical education needed, and earnings: 691
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