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WASHINGTON, D.C. – In small to large protests, Americans from coast to coast are exercising their right to free expression. In some cases, though, protests that started out peaceful have turned violent.“Injured three people, cuts and bruises,” said Mat Davis, a protester in Indianapolis, who saw a vehicle strike several protesters. “It was bad.”In Michigan, Bailee Majeske experienced a protest get out of hand.“There was a lot of rioting, just cars parked in the street were getting smashed,” she said, “and then there was a brick thrown at my head and my friend was stabbed.”So, what happens if you are injured during civil unrest? Getting medical attention is a first priority but knowing exactly what your health insurance covers is key.“You'd need to know what is in the policy - what is covered and especially what is not covered,” said Ray Farmer, who heads up the National Association of Insurance Commissioners (NAIC). “If a protest happens to turn violent and include some rioting, I think that would be extremely difficult for an insurance company to prove that those injuries occurred due to an excluded act, even if the policy had such a provision.”Some policies, though, do have exclusions, like if you take part in “illegal acts” or participate in “civil unrest.” How that’s specifically defined would be up to an insurer, but it could range from vandalism and property damage to violating a community’s established curfew, or failing to leave an area if police order you to do so.However, Farmer says there are some things a consumer should be aware of, in the event they are denied coverage for the treatment of injuries sustained during civil unrest. One – ask the insurance company to point out the specific language being used to deny a claim, and two – reach out to your state’s department of insurance for help navigating the process.“That's our job is to regulate the insurance industry, but more importantly to protect consumers,” he said.While Farmer said there are no reports of protesters’ claims being denied so far, before it even gets to that point, it’s important understand the details in your health insurance coverage.“You certainly don't want any surprises,” he said.As for those who have been caught by surprise, there’s some advice from them, as well.“If you notice there are riots breaking out, it may be time to go home and support from a distance,” Majeske said.For more information on your state’s Department of Insurance, click here. 2485

WASHINGTON (AP) — Social Security recipients will get a modest 1.3% cost-of living-increase in 2021, but that might be small comfort amid worries about the coronavirus pandemic and its consequences for older people. Government estimates released Tuesday show the increase amounts to a month for the average retired worker. The estimated average Social Security payment for a retired worker would be ,543 a month. The cost-of-living adjustment, or COLA, affects the personal finances of about 1 in 5 Americans. The economic fallout from the virus reduced tax collections for Social Security and Medicare. But there's been no real discussion of either program in the election contest between President Donald Trump and Joe Biden. 741

WASHINGTON, D.C. – Operation Santa is back this year to help people in the giving spirit support those in need during the holidays.Like in years past, hundreds of thousands of letters to Santa are arriving at post offices around the country. In most, children are asking for toys and games, while others are asking for basic necessities or help for their loved ones.Through Operation Santa, individuals and organizations can adopt those letters, and then send responses and thoughtful gifts in Santa’s place.If you would like to adopt a letter, you can visit the Operation Santa website, pick one or more wishes you’d like to fulfill and follow the directors on how to grant that wish for a child.For security reasons, USPS says potential adopters must be vetted by going through a short registration and ID verification process before they are allowed to adopt any letter.If your family would like to receive gifts through the USPS program, all you have to do is write a letter, put it in a stamped envelope with a return address and send it to Santa’s official workshop address:Santa Claus123 Elf Road,North Pole, 88888The program began accepting letters on Nov. 16 and letters will continue to be uploaded to the website through Dec. 15. So, if you haven’t written a letter yet, you still have some time.The Operation Santa website became active on Dec. 4 and is ready to welcome potential letter adopters.Click here to learn more about the Operation Santa program. 1476

We’ve got a NEW twist on breakfast for you! Now available in the frozen aisle at @Walmart and at https://t.co/1b8vadcbEN ?? #LifeNeedsFrosting pic.twitter.com/u1w1qp0kQD— Cinnabon (@Cinnabon) September 14, 2020 218

Well, it looks like you’re all pretty thirsty for some Pepsi “Cocoa” Cola. Stay tuned for details coming in 2021!— Pepsi (@pepsi) December 17, 2020 161