> Protection from Holiday Mishaps with Adequate Insurance Protection
Ohio Lieutenant Governor Mary Taylor is reminding Ohioans as they prepare to celebrate the holiday season – and the mishaps that can come along with it – that they should review their insurance policies to avoid potential coverage gaps and determine if adjustments are needed.
“The holiday season is about enjoying time with our loved ones and friends, but unfortunately a unique set of risks can quickly spoil the good cheer,” said Taylor, also director of the Ohio Department of Insurance. “Speak with your insurance agent to ensure you have appropriate coverage this holiday season.”
Protect yourself financially from these holiday hazards with adequate insurance:
A visiting relative or friend is in an accident while driving your vehicle
Auto insurance coverage follows either the vehicle or the operator, so your car should generally be covered while your friend or relative is driving. Policy language will determine if the owner or the operator’s policy is primary. However, if your friend slides off the road due to ice and you only have liability coverage, there may not be coverage for any damage to the car itself. Check with your insurance agent or company to understand which policy is primary in this type of situation.
Someone steals holiday decorations from your front yard
Under a standard homeowners insurance policy, decorations are generally covered, subject to your policy deductible and coverage limits. These items would also generally be covered if you have a condominium or renters insurance policy. A renters policy may exclude outside decorations.
Presents are stolen from your home or your vehicle
Standard homeowners and renters insurance policies provide coverage for the theft of gifts, subject to the policy deductible and coverage limits. Some auto policies also provide coverage. If this happens to you, talk with your insurance agent or company to find out under which policy you should file your claim. If you have comprehensive coverage on your auto insurance policy, the cost to repair the damage should be covered and may be subject to the deductible.
Your coworker slips and falls on your icy driveway at your New Year's Eve party
A standard homeowners insurance policy can provide limited medical payment coverage when your guest needs medical attention. A standard homeowners insurance policy will also provide liability coverage should the guest seek compensation for additional damages. Check with your insurance agent or company to be sure you have adequate liability limits.
An ice or snowstorm causes a tree to fall through the front window of your house
Standard homeowners insurance policies generally provide coverage for damage to the home, less your deductible. In addition, the cost to remove the tree is typically covered up to a certain amount. Check your policy to find out what limit of coverage you have. However, it’s not likely your homeowners policy will help you purchase a new tree.
A kitchen accident or holiday candles cause a house fire
A standard homeowners insurance policy will cover your home and belongings destroyed by a fire, up to policy limits and subject to a deductible. Standard homeowner policies typically provide additional living expenses if you are unable to live in your home due to damage from a fire or other disaster.
Credit Card Theft
Someone uses your credit card to buy a big screen television
The purchase might be covered as part of your contract with your credit card company. Standard homeowners insurance policies typically provide a limited amount of coverage toward your legal obligation to pay your credit card company. However, there is no coverage if, for example, a family member entrusted with the card buys a big screen television. Federal law also limits a cardholder’s responsibility as long as the credit card company is promptly notified per the cardholder agreement.
You drink some bad eggnog and end up in an urgent care facility while you are out of state
Your visit is likely covered under your health insurance policy. If you plan to travel, remember to take health insurance information for all family members – including your identification cards and contact details – with you. Co-
Ohioans with insurance questions can call the Ohio Department of Insurance consumer hotline at
COLUMBUS – Ohio Lieutenant Governor Mary Taylor announced today that the Ohio Senior Health Insurance Information Program (OSHIIP), a division of the Ohio Department of Insurance, will host Medicare Check-
“Now is the time to evaluate Medicare coverage and determine what changes may have occurred in benefits and plans,” said Taylor, also director of the Ohio Department of Insurance. “OSHIIP will hold events in counties across the state to help Ohioans understand the different coverage choices available as they plan for the upcoming year.”
During Medicare’s annual open enrollment, Ohioans can to choose to select Original Medicare paired with a stand-
Attendees can also learn more about recent Medicare changes, such as new deductibles, co-
Ohioans should be aware of predatory sales practices during open enrollment. Insurance agents are prohibited from using high-
Those unable to attend a Medicare Check-
To view a complete listing of Medicare Check-
Did you know that fifty-
Social Security disability insurance is coverage that workers earn -
The Social Security Act defines disability very strictly -
Disability is unpredictable and can happen to anyone at any age -
Social Security disability payments are modest -
As experts projected for decades, the number of people qualifying for Social Security disability benefits has increased -
Social Security works aggressively to prevent, detect, and prosecute fraud -
Get Fact Sheet -
Since 1985, the Lifeline program has provided a discount on phone service for qualifying low-
The Lifeline program is available to eligible low-
To participate in the program, consumers must either have an income that is at or below 135% of the federal Poverty Guidelines or participate in one of the following assistance programs: Medicaid, Supplemental Nutrition Assistance Program (Food Stamps or SNAP); Supplemental Security Income (SSI); Federal Public House Assistance (Section 8); Low-
Federal rules prohibit eligible low-
The Lifeline program is administered by the Universal Service Administrative Company (USAC). USAC is responsible for data collection and maintenance, support calculation, and disbursement for the low-
On January 31, 2012, the Commission adopted comprehensive reform and modernization of the Lifeline program. As a universal service program that fulfills Congress’s mandate to ensure the availability of communications to all Americans, Lifeline for the nearly 30 years, has helped tens of millions of low-
In April, 1963, President John F. Kennedy met with the National Council on Senior Citizens. Their meeting was the foundation for an annual observation of May as Senior Citizens Month. Every President since has issued a formal proclamation during or before the month of May asking that the entire nation pay tribute in some way to older persons in their communities. President Jimmy Carter originated the title of Older Americans Month in his 1980 proclamation.
In 1963, only 17 million Americans were age 65 or older and about a third of them lived in poverty. Today, there are more than 36 million Americans over the age of 65, accounting for 12 percent of the total population, though only 10 percent live in poverty. The oldest of the baby boom generation began turning 60 in 2006. The U.S. Census Bureau estimates that, by 2050, 87 million Americans will be age 65 or older, accounting for 21 percent of the population.
Ohio has supported statewide activities for Older Americans Month since 1977. Each year, the Department of Aging announces a unique theme celebrating some of the many aspects of our older citizens. Past themes are:
2015: Well Beyond 60!
2014: Safe Today. Healthy Tomorrow.
2013: Unleash the Power: Be a Golden Buckeye!
2012: never too old to...
2011: Older Ohioans -
2010: Age Strong! Live Long!
2009: Reinvent Yourself, Reinvent Aging
2008: Loving Life, Helping Others, Supporting Communities
2007: Be Your Best: Body, Mind and Spirit
2006: Be Healthy, Be Vibrant!
2005: Celebrate Long-
2004: Aging Well, Living Well
2003: What We Do Makes a Difference
2002: America: A Community for All Ages
2001: Seniors in the Swing of Things
2000: Ohio… a Great Place to Grow Up, and a Great Place to Grow Old!
1999: Honor the Past, Imagine the Future: Towards a Society for All Ages
1998: Living Longer, Growing Stronger -
1997: Celebrate a Tradition -
1996: Aging: A Lifetime Opportunity
1995: As Time Goes By
1994: Honoring Our Heritage; Framing Our Future
1993: Share the Journey
1992: In Honor of Diversity
1991: Ohio's Seniors: Our Brightest Stars
1990: A Partnership of Ages
1989: Caring and Sharing: Generations in Action
1988: A Celebration of Age
1987: Reach new Heights
1986: Unfold a Celebration
1985: Join the Young at Heart
1984: We're Celebrating Senior Citizens Day Across the Whole Bloomin' State
1983: Senior Citizens -
1982: Senior Citizens -
1981: Senior Citizens -
1980: Senior Citizens -
1979: Older Ohioans -
1978: Older Ohioans -
1977: Senior Citizens in Action
With income tax fraud and identity theft on the rise, the Ohio Department of Taxation (ODT) is committed to safeguarding taxpayer dollars by increasing security measures. The identity confirmation quiz is just one of the tools ODT is using to prevent fraudsters from receiving a refund as a result of identity theft.
If you received a letter from ODT, you’ll need to complete a simple quiz to confirm your identity. The ODT will ONLY contact you via a letter. If you received a phone call or email, DO NOT respond to it. If you believe you are victim of Identity Theft & Income Tax Fraud, contact the Ohio Criminal Investigations Division at 614-
Ohio needs to do more to protect its growing senior population from abuse. As pointed out in a recent article by The Columbus Dispatch, the “State does relatively little to help Ohio seniors who are abused, neglected and exploited.” The reasons sited include the quickly growing senior population and lack of funding and resources in many Ohio counties. Even though House Bill 483 passed in 2014, and provides more services to the poor and vulnerable with additional resources for education, and vital investments in local governments, The Columbus Dispatch noted that elder can be easy victims from family members, caregivers and other entrusted to protect them.
To read the full article, click here>
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Never underestimate the resourcefulness of scammers. Some drive around neighborhoods during the day, looking for older adults working in the yard or getting their mail. Scammers make a note of addresses, return and try to sell the seniors on an unnecessary repair, such as getting their roofs fixed. Click here for tips on how you can avoid scammers now >>