<HTML><BODY style="word-wrap: break-word; -khtml-nbsp-mode: space; =
-khtml-line-break: after-white-space; "><BR><DIV><DIV>On Jan 19, 2006, =
at 1:01 PM, Jim Busby wrote:</DIV><BR =
class="Apple-interchange-newline"><BLOCKQUOTE type="cite"><SPAN =
class="Apple-style-span" style="border-collapse: separate; =
border-spacing: 0px 0px; color: rgb(0, 0, 0); font-family: Helvetica; =
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normal; letter-spacing: normal; line-height: normal; text-align: auto; =
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white-space: normal; widows: 2; word-spacing: 0px; "><P =
class="MsoNormal"><FONT size="2" color="navy" face="Arial"><SPAN =
style="font-size: 10.0pt;font-family:Arial;color:navy; color: rgb(0, =
0, 128); font-size: 13.3333px; "><SPAN class="Apple-style-span" =
style="color: rgb(0, 0, 128); font-family: Arial; font-size: =
13.3333px; ">Jeff,</SPAN><O:P style="color: rgb(0, 0, 128); =
font-family: Arial; font-size: 13.3333px; "></O:P></SPAN></FONT></P><P =
class="MsoNormal"><FONT size="2" color="navy" face="Arial"><SPAN =
style="font-size: 10.0pt;font-family:Arial;color:navy; color: rgb(0, =
0, 128); font-size: 13.3333px; "><O:P style="color: rgb(0, 0, 128); =
font-family: Arial; font-size: 13.3333px; "><SPAN =
class="Apple-style-span" style="color: rgb(0, 0, 128); font-family: =
Arial; font-size: 13.3333px; "> </SPAN></O:P></SPAN></FONT></P><P =
class="MsoNormal"><FONT size="2" color="navy" face="Arial"><SPAN =
style="font-size: 10.0pt;font-family:Arial;color:navy; color: rgb(0, =
0, 128); font-size: 13.3333px; "><SPAN class="Apple-style-span" =
style="color: rgb(0, 0, 128); font-family: Arial; font-size: =
13.3333px; ">How much does “disability insurance” cost? What does it =
cover? Would Brent Fischer have been covered for his hearing loss? It =
brings a lot of questions to mind.</SPAN><O:P style="color: rgb(0, 0, =
128); font-family: Arial; font-size: 13.3333px; =
"></O:P></SPAN></FONT></P><P class="MsoNormal"><FONT size="2" =
color="navy" face="Arial"><SPAN style="font-size: =
10.0pt;font-family:Arial;color:navy; color: rgb(0, 0, 128); font-size: =
13.3333px; "><O:P style="color: rgb(0, 0, 128); font-family: Arial; =
font-size: 13.3333px; "><SPAN class="Apple-style-span" style="color: =
rgb(0, 0, 128); font-family: Arial; font-size: 13.3333px; =
"><BR></SPAN></O:P></SPAN></FONT></P></SPAN></BLOCKQUOTE><DIV>It is =
typically very reasonable, but different companies/policies cover =
different things, and cost varies from duck to buck to lion. The =
company I worked for didn't exactly have the portfolio of products that =
got you in middle income homes very often, so I really never got the =
opportunity to sell it, and consequently never really learned our =
product well. We spend most of our time pushing debit level products =
and collecting premiums. It's been several years since I've been in =
that business and I don't remember much about cost, except that as a =
whole, disability insurance is a bargain. My statement of bennies =
doesn't say what the state pays on my behalf, but I pay $3.64/mo for a =
supplement to the state's long term disability plan. I feel pretty =
confident that a disability like Brent's would normally be covered, at =
least until he finds a different way of earning a living, if he can. =
UNLESS, it's covered by workman's comp first, but that's a whole =
different ball of wax. Even then there may still be =
something.</DIV><DIV><BR class="khtml-block-placeholder"></DIV><DIV>If =
your employer offers it, I recommend it. If you're self employed, =
look seriously at it and compare ducks, bucks and lions and Andrews and =
Benjamins.</DIV><BR><BLOCKQUOTE type="cite"><SPAN =
class="Apple-style-span" style="border-collapse: separate; =
border-spacing: 0px 0px; color: rgb(0, 0, 0); font-family: Helvetica; =
font-size: 12px; font-style: normal; font-variant: normal; font-weight: =
normal; letter-spacing: normal; line-height: normal; text-align: auto; =
-khtml-text-decorations-in-effect: none; text-indent: 0px; =
-apple-text-size-adjust: auto; text-transform: none; orphans: 2; =
white-space: normal; widows: 2; word-spacing: 0px; "><P =
class="MsoNormal"><FONT size="2" color="navy" face="Arial"><SPAN =
style="font-size: 10.0pt;font-family:Arial;color:navy; color: rgb(0, =
0, 128); font-size: 13.3333px; "><O:P style="color: rgb(0, 0, 128); =
font-family: Arial; font-size: 13.3333px; "><SPAN =
class="Apple-style-span" style="color: rgb(0, 0, 128); font-family: =
Arial; font-size: 13.3333px; "> </SPAN></O:P></SPAN></FONT></P><P =
class="MsoNormal"><FONT size="2" color="navy" face="Arial"><SPAN =
style="font-size: 10.0pt;font-family:Arial;color:navy; color: rgb(0, =
0, 128); font-size: 13.3333px; "><SPAN class="Apple-style-span" =
style="color: rgb(0, 0, 128); font-family: Arial; font-size: =
13.3333px; ">BTW, The LDS Church hasn’t gone to fingerprinting, but =
they are now requiring “two deep leadership” which means that no =
adult can be alone with a minor. (It’s not world wide, =
yet.)<BR></SPAN></SPAN></FONT></P></SPAN></BLOCKQUOTE><DIV>This is being =
done at our Baptist church also. But Baptist churches are =
individually autonomous, so I'm sure that's simply at the advice of the =
Southern Baptist Convention.</DIV><BR><BLOCKQUOTE type="cite"><SPAN =
class="Apple-style-span" style="border-collapse: separate; =
border-spacing: 0px 0px; color: rgb(0, 0, 0); font-family: Helvetica; =
font-size: 12px; font-style: normal; font-variant: normal; font-weight: =
normal; letter-spacing: normal; line-height: normal; text-align: auto; =
-khtml-text-decorations-in-effect: none; text-indent: 0px; =
-apple-text-size-adjust: auto; text-transform: none; orphans: 2; =
white-space: normal; widows: 2; word-spacing: 0px; "><P =
class="MsoNormal"><FONT size="2" color="navy" face="Arial"><SPAN =
style="font-size: 10.0pt;font-family:Arial;color:navy; color: rgb(0, =
0, 128); font-size: 13.3333px; "><SPAN class="Apple-style-span" =
style="color: rgb(0, 0, 128); font-family: Arial; font-size: =
13.3333px; ">On a different note, Dan Levitan says that many people in =
NY are preferring women piano technicians over men because they don’t =
want some strange man in their house. That may indicate the need for =
more women technicians. It could also mean that men techs need to be =
less “strange”. :- )</SPAN><O:P style="color: rgb(0, 0, =
128); font-family: Arial; font-size: 13.3333px; =
"></O:P></SPAN></FONT></P><P class="MsoNormal"><FONT size="2" =
color="navy" face="Arial"><SPAN style="font-size: =
10.0pt;font-family:Arial;color:navy; color: rgb(0, 0, 128); font-size: =
13.3333px; "><O:P style="color: rgb(0, 0, 128); font-family: Arial; =
font-size: 13.3333px; "><SPAN class="Apple-style-span" style="color: =
rgb(0, 0, 128); font-family: Arial; font-size: 13.3333px; =
"> </SPAN></O:P></SPAN></FONT></P></SPAN></BLOCKQUOTE>Now there's an =
idea. Our sound guy said he worked somewhere once where the =
technician completely spooked most all the gals and had one guest artist =
who refused to be in the room with him. Said I was the most "normal" =
piano tuner he's ever worked with - whatever that means. We really do =
need to think about that.<BR></DIV><DIV><BR =
class="khtml-block-placeholder"></DIV><DIV>Jeff T</DIV><DIV><BR =
class="khtml-block-placeholder"></DIV></BODY></HTML>=