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Disability insurance is one of the most overlooked forms of coverage despite it being one of the most necessary types of coverage. The odds of becoming disabled because of an accident, injury or illness can be up to 1 in 4 people according to the Social Security Administration. The average duration of a disability insurance claim is 34.6 months. With open enrollment approaching, consider opting in for group disability insurance. And if you are self-employed or otherwise do not have access to a group disability insurance, you should consider an individual disability insurance policy. Keep in mind, that even if you have group (employer) disability insurance, that you may not full coverage as some group disability insurance will only cover 50% of your salary (excludes bonus & commissions) along with the benefit being subject to income tax. Individual long term disability insurance benefits are not subject to income since premiums are payable on an after-tax basis. To find out your chances, you can use the Personal Disability Quotient Calculator from the Council on Disability Awareness.

It’s important to note that while the U.S. Government has the Social Security Disability Insurance program, it can be difficult to qualify for and may provide insufficient benefits. Here’s Why you shouldn’t rely on Social Security disability insurance.

What is a salt pool and why we got one

When you hear someone say, "I have a salt pool," you think of the ocean, right? In fact, it's nothing like the ocean. A salt pool is also known as a chlorine-generated pool. The ocean's salt content is around 35,000 parts per million, where a salt pool is around 3,200 ppm.

The main reason for a chlorine generator is to produce its own chlorine so that consumers do not have to buy, store or handle liquid chlorine. Chlorine generators constantly produce a residual of chlorine, as long as the pump is running. This type of residual chlorine is softer, purer chlorine without the effects of liquid chlorine (dry skin, irritated eyes and bleached swimwear).

When your pool water passes through the chorine generator cell, it produces chlorine through the process of electrolysis. do not assume a salt pool is a "maintenance-free" pool. The generator only replaces the need to add chlorine; it does not maintain your other balances (pH, total hardness, total alkalinity and cyanuric acid). These balances, as well chlorine and salt levels, should be tested at least once a week. Free water testing analysis is provided by most local pool stores.

The average consumer will spend about $1,170 per year on liquid chlorine and chlorine stabilizer tabs. With a salt pool, you can expect to cut that number down by almost $1,000 per year. Having a salt pool also gives you the convenience of not having to pick up any more chlorine jugs and tote them around each week.

To convert your pool, you will need to have your water tested to be sure all your chemicals are in balance. This can be done by bringing a water sample into your local pool store. Then arrange for a professional technician to come out and install your chlorine generator. You will have a power supply box attached to your wall and your chlorine cell piped into your existing pump equipment. Based on your current salt reading, they will then add your start-up salt to get your level up to the necessary 3,200 ppm.

In less than 24 hours, our pool was up and running as a salt pool.
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