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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) -- Images of a young girl and her father peacefully interacting with law enforcement officers during a protest in downtown San Diego have gone viral.The photos, which have been shared thousands of times on social media, show a little girl meeting with officers as a demonstration unfolded downtown on the night of June 1. 346

SAN DIEGO (KGTV) - Locals are in for some sweet summer fun this year, as the San Diego County Fair returns to the Del Mar Fairgrounds.The fair, running from June 1 - July 4, is bringing some "kid-in-a-candy-store" wonder to Del Mar this year with its theme "How Sweet it is." Fair-goers will have opportunities around every corner to satisfy their sweet tooth, from creative confections to nature's fruits.San Diego's fair routinely sees more than a million locals and tourists pass through during its month-long run, with more than 4,000 attractions, and nearly 2,000 concerts — so San Diegans have plenty of chances to find some fun. WHEN & WHERE...June 2 - July 4 at the Del Mar Fairgrounds, 2260 Jimmy Durante Blvd., Del Mar. TICKETS...There are plenty of deals to check out for select days, concerts, and promotions at the fair. For regular admission:Kids ages 5 and younger: FreeKids ages 6- to 12-years-old: Adults ages 13- to 61-years-old: Seniors ages 62 and older: Season pass for all 26 days: MORE: Deals on SD Fair admission, food, and rides GETTING THERE & PARKING...If you're heading to the fair, plan to park on-site or off-site ahead of time. Real-time parking updates can also be found on AM 1680 during the fair's run.General parking: Preferred parking: Parking lots will open at 8 a.m. on weekend and July 2-4, and 9 a.m. on weekdays. Lots close an hour after the fair closes. Tram service will run continuously from fairgrounds lots.Public transportation can also be taken on NCTD lines of The Coaster, The Sprinter, or Breeze Route 408; the MTS bus system or trolley Blue, Orange, and Green lines; and via Amtrak's Pacific Surfliner.MORE: Getting to and parking at the SD Fair WHAT TO SEE...There are countless things to check out during the fair's run.Concerts planned throughout the month are bringing some heavy hitter from the music world to San Diego, including Kansas, Sugarland, Hanson, Capital Cities, Barenaked Ladies, and many others.Comedy is also taking center stage, with performances by Larry the Cable Guy, Gabriel Iqlesias, and Jeff Ross.Of course, fan-favorite shows featuring local livestock (the Swifty Swine Racing Pigs!), local artists specializing in everything from painting to woodcarving to gems, and competitions (who's ready for an ol' fashioned watermelon seed spitting contest?) are set to return.A full calendar of events big and small is available to check out on the fair's website.MORE: San Diego Fair concerts line up big music, comedy acts 2569

SAN DIEGO (KGTV) - In an effort to drive environmentally-friendly urban commuting, bike and scooter sharing companies have rolled into San Diego County — creating some headaches along the way.With the travel alternative, though, has come a glimpse into a greener future for congested roadways.Though in San Diego since February, ofo officially joined the city's expanding field of dockless bike and scooter options Monday. The company joins competing options Bird, LimeBike, MoBike, and DecoBike. RELATED: Thousands taking advantage of dockless bikes, scooters"Having ofo in San Diego is a boon for our region,” Colin Parent, Executive Director for Circulate San Diego, said. "As transportation advocates, we welcome ofo to San Diego as an innovative solution to meeting San Diego’s environmental goals and providing transportation options."Riders simply download the ofo mobile app, scan the QR code on the bike to unlock it, and they're on their way. Rides run an hour, according to ofo. When finished, riders safely — and legally — park the bike and manually lock it to end the trip.Safely and legally means placing the bike out of the way of traffic and people walking or biking themselves.RELATED: Unique bike app Limebike rolls out in Imperial BeachThe Boardwalk stretching from Mission Bay to Pacific Beach is a prime example of both the pitfalls and ease of use, as users glide along but also run into congestion among walkers, runners, and skateboarders.Witnesses have told 10News they've seen scooter riders not wearing a helmet and people riding where they're not supposed to, in addition to bikes left only to block others.San Diego Police said the dockless bike and scooter movement is so new they haven't had the ability yet to issue citations and track riders.How do you feel about San Diego's bike- and scooter-sharing boon? Vote in our 10News poll below: 1942

SAN DIEGO (KGTV) — In need of a summer job? Why not spend your days at Del Mar?The San Diego County Fair is hiring for seasonal positions helping in a variety of ways at the fairgrounds, from exhibit workers and parking attendants to more specialized positions like EMTs, electricians, and mechanics.One perk to working at the fair: Free admission during your time there, according to the fair.MORE SD FAIR INFO: What to know |Admission discounts | Parking and transportation | Rides and games | Fair foods | Concert headlinersAs of May 15, the fair has 315 positions that are still open.For jobs with vendors working at the fairgrounds this summer, openings will be posted on May 15 and then again on May 29.To check out what summer jobs are currently open, visit the fairground's website here. 803

来源：资阳报