For the Record Don’t overlook value of disability insurance The Scott County Record
Jason Alderman
Most people understand why having life insurance is a good idea: Nobody wants to leave their survivors in a financial lurch if they were to die suddenly. But what if you suffer an accident or illness and don’t die, but rather, become severely disabled? Could you or your family make ends meet without your paycheck, possibly for decades?
The Scott County Record Page 12 • Thursday, May 1, 2014
Although most people are entitled to Social Security disability insurance (SSDI) benefits if they’ve paid sufficient FICA payroll taxes over the years, the eligibility rules are extremely strict, applying can take many months, and the average monthly benefit is only about $1,150. So what are your other disability coverage options? Many companies provide sick leave and short-
Scott City Council Agenda Mon., May 5 • 7:30 p.m. City Hall • 221 W. 5th •Call to Order •Approve minutes of April 21 regular meeting •Consider Beefiesta sponsorship •Scott Recreation Commission 1) Retirement date change for court clerk Sharon Lock 2) Recommendation of court clerk •Discuss nuisance abatement extension •Mayor’s appointments •Elect council president •Designate official newspaper •Designate depository of city funds •Open agenda: audience is invited to voice ideas or concerns. A time limit may be requested Pool Department 1) Requested dates and times for swim team to use the pool Police Department 1) Misc. business Parks Department 1) Misc. business Public Works Department 1) Open bids on two used 1998 pickups 2) Report from water rate committee 3) Discussion of water conservation measures Clerk’s Department 1) Budget timeline and budget workshop date •Mayor’s comments
Public Notice (First published in The Scott County Record, Thurs., May 1, 2014; last published Thurs., May 15, 2014)3t IN THE DISTRICT COURT OF SCOTT COUNTY, KANSAS IN THE MATTER OF THE ESTATE OF VERA M. BUCKBEE, Deceased, Case No. 2014-PR-8 NOTICE TO CREDITORS TO ALL PERSONS CONCERNED: You are hereby notified that on April 28, 2014, a Petition for Probate of Will and Issuance of Letters Testamentary was filed in this court by Keen K. Brantley, an heir, devisee, legatee, and
Executor named in the Last Will and Testament of Vera M. Buckbee, deceased. All creditors of the above named decedent are notified to exhibit their demands against the Estate within four months from the date of the first publication of this notice, as provided by law, and if their demands are not thus exhibited, they shall be forever barred. Keen K. Brantley WALLACE, BRANTLEY & SHIRLEY 325 Main - P.O. Box 605 Scott City, Kansas 67871 Attorney for Petitioner
term disability coverage to reimburse employees during brief periods of illness or injury. Some also provide long-term disability (LTD) insurance that replaces a percentage of pay for an extended period of time. But employer-provided LTD plans usually replace only about 60 percent of pay and the money you receive is considered taxable income, further lowering your benefit’s worth. Plus, such plans often
have a waiting period before benefits kick in, will carve out any SSDI benefits you receive, and cap the monthly benefit amount and maximum payout period (often as little as two years). Thus, even if your employer provides basic LTD, you might want to purchase additional coverage. Just be prepared: LTD insurance can be expensive. Yearly premiums may cost 1-3 percent of gross income, depend-
Public Notice (First published in The Scott County Record Thurs., April 24, 2014; last published Thurs., May 8, 2014)3t IN THE DISTRICT COURT OF SCOTT COUNTY, KANSAS IN THE MATTER OF THE ESTATE OF GORDON E. WIECHMAN, deceased Case No. 96PR2 (Proceedings pursuant to K.S.A. Chapter 59) NOTICE OF HEARING ON PETITION FOR FINAL SETTLEMENT STATE OF KANSAS TO ALL PERSONS CONCERNED: You are hereby notified that a Petition has been filed in this Court by Susan D. Wiechman, the duly appointed, qualified and acting Executrix of the Estate of Gordon E. Wiechman, deceased, praying that her acts be approved; her accounts be settled and allowed; the heirs be determined; the Will be construed and the Estate be assigned to the devisee and legatee in accordance with the Last Will
and Testament of Gordon E. Wiechman, deceased; the administration of the Estate be closed; and upon the filing of receipts, the Petitioner be finally discharged as the Executrix of the Estate of Gordon E. Wiechman, deceased, and released from further liability. You are hereby required to file your written defenses thereto on or before the 20th day of May, 2014, at 3:00 o’clock p.m. on said day, in said Court, in the City of Scott City, Scott County, Kansas, at which time and place said cause will be heard. Should you fail therein, judgment and decree will be entered in due course upon said Petition. Susan D. Wiechman Petitioner HAMPTON & ROYCE, L.C. Ninth Floor - United Building P.O. Box 1247 Salina, Kansas 67402-1247 785-827-7251 Attorneys for Petitioner
ing on plan features, your buy an individual policy. age, and whether you have A few of the things to preexisting conditions. keep in mind: •The younger and Check With Employer healthier you are, the First, see if you can lower the premiums you’ll buy supplemental cover- be able to lock in. age through your employ•Some policies won’t er’s plan - their group rate pay benefits unless you will be cheaper than an can’t perform the duties individual policy and you of your own occupation, probably won’t need a while others specify that physical exam. Or see if you must be physically any professional or trade unable to perform any organizations you belong job (the latter coverage is to offer group coverage. much cheaper). If not, you’ll have to (See DISABILITY on page 13)
Scott Co. LEC Report Scott City Police Department April 12: Police responded to a report of aggravated battery and battery in the 200 block of east 2nd Street. April 18: Markie Brown was arrested for possession of stimulants and use/possession with intent to use drug paraphernalia. She was transported to the LEC. April 19: Paco Banda was backing out of a parking spot when he struck a vehicle owned by John King. April 24: Linda Parks was backing out of a parking spot in the 800 block of west 9th Street when she struck a vehicle owned by Larry Fox.