Insurance Update
March  2017
Issue No. 78
In this issue
Voluntary Short and Long Term Disability
 

 

About Us 
Insurance logo 
  A not-for-profit ministry of
Church of the Brethren Benefit Trust Inc.

Church of the Brethren Insurance Services provides the following products: dental, vision, basic life and accidental death & dismemberment, supplemental life and AD&D, dependent life and AD&D, retiree life, long-term disability, short-term disability, and Medicare supplement for eligible Church of the Brethren employees .
 
Dental, vision, retiree life, and Medicare supplement coverage may also be available for eligible retired Church of the Brethren employees.
 
For eligibility information, call Connie Sandman at 800-746-1505, ext. 366, or contact your human resources representative.
 
Medical and ancillary plans (named above) may be available to Brethren-affiliated employer groups.
 
Long-Term Care Insurance is available for all members of the Church of the Brethren, their family and friends, and employees of Church of the Brethren-affiliated agencies, organizations, colleges, and retirement communities. 

Contact Us 
1505 Dundee Ave., Elgin, IL 60120
800-746-1505
www.bbtinsurance.org 
  




 

There's nothing quite like waking up from a good night's sleep. We feel happy to be alive, and ready to face the new day. On the other hand, when sleep eludes us for whatever reason, we don't have quite the same outlook. As we move into the month of March and away from the long shadow of winter, it seems like a good time to delve into the topic of sleep, and the many reasons people have trouble sleeping soundly, staying still during sleep, breathing during sleep, or even staying calm during sleep. You can read all the interesting facts about sleep and sleeping disorders in our issue this month.
 
We are also happy to include information in this issue on a very important form of insurance -- Long Term Disability. It's not fun to think about needing this type of insurance, but if you should find yourself in that position, LTD makes life a lot easier. Find out more below, and know the facts on the value of Long Term Disability insurance.
 
We hope you are enjoying both the whimsical and educational articles we bring each month in Insurance Update. If there is anything special you would like us to highlight in the future, please let us know!

 
The realities and mysteries of sleep

Preachers and plumbers, teachers and truck drivers, cardiologists and cops, women and men, Presidents and pastry chefs, kids and adults, Christians and Muslims, Republicans and Democrats, rich and poor. Can you name something they all have in common? Everyone has to sleep.
             
Why single out sleep? Because among the many things we humans have in common, sleep is often forgotten or taken for granted. And we sometimes forget how essential it is. A person can go without food for weeks; a few days without sleep and he or she is hallucinating and unable to function. Sleep is almost as essential each day as water.
 
It is also a bit of a mystery. Adults need between seven and eight hours of sleep each day, but scientists don't really know why. Sleep seems to allow the body to restore itself and to enable the brain to organize all that has happened during the day, but these are not proven theories.
 
When we are sleep-deprived, our body makes more ghrelin -- a hormone that pushes us to eat -- and less leptin -- a hormone that tells us we've had enough. The body also produces more cortisol -- a hormone that tells our body to make more fat.
 
There seems to be an optimum amount of sleep for each person. People who sleep less have an increased risk of heart disease, obesity, and diabetes. Surprisingly, sleeping too much also carries increased risk of heart disease, obesity, and diabetes.
 
Since March is National Sleep Awareness Month, it is a good time to look at this universal human reality and see what the latest thinking and research can teach us.

Stages of sleep
Sophisticated use of electroencephalography has allowed scientists to study the brain during sleep and begin to understand the cycles of sleep. They have identified four stages. One of those stages is characterized by rapid eye movement, which they call REM sleep. The other three stages are referred to as non-REM sleep.
 
Non-REM sleep
Stage one (N1) of non-REM sleep is the state between sleep and wakefulness when the brain begins to produce theta waves. In this state the sleeper can experience "hypnagogic hallucination," which is that experience most of us have had where we seem to see things that we experienced intensely during the day. It is sometimes called the Tetris Effect. If you have played a lot of Tetris that day, you might see Tetris blocks as you go to sleep. This is also the stage when you can have the feeling of falling, or when you can suddenly jerk awake, or when you can have muscle twitches.
 
In non-REM stage two (N2), the sleep is deeper, and it is harder to awaken the sleeper. There are more theta waves, and the EEG shows something the scientists call "sleep spindles," bursts of rapid brain activity. One idea is that these spindles inhibit cognitive processes so sleep can remain tranquil. These may also have something to do with being able to sleep through loud noises. There are also "K-complexes" in this stage, a type of brain activity which may prevent the cortex from being aroused, thus keeping the sleeper asleep. K-complexes may also help in memory consolidation, a process by which memories from the day are transferred into long-term memory.
 
Stage three (N3) of non-REM sleep is very deep. The sleeper is "dead to the world," very difficult to wake up. This is slow-wave sleep, showing delta waves. Sleep-walking and sleep-talking happen in this stage.

Source: www.helpguide.org

 
REM sleep
REM sleep got its name because the eyes of the sleeper are observed to move quickly and randomly. Most of the body's muscles are paralyzed during this stage. REM sleep is also when dreams come. Perhaps it is good that the muscles are paralyzed; otherwise sleepers might act out what they are dreaming. This is sometime called "paradoxical sleep" because the brain is very active while the body is prevented from activity.
 
In a normal night you will cycle through these stages four or five times in approximately 90-minute periods. The cycle moves from N1 to N2 to N3, then back to N2, then to REM then back to N1 to start over. How long each stage lasts depends on how old you are and how long you have been asleep. You tend to do more non-REM sleep in the first few hours and more REM sleep just before you wake up.
 
Sleep disorders
According to The Answered Patient, nearly 70 million Americans suffer from a sleep disorder, though some of these may not even know there is something wrong with their sleep. A further claim is made that insufficient sleep is a U.S. epidemic. A sleep disorder may be defined as any disturbance that affects the person's ability to fall asleep or to stay asleep at night or to stay awake during the day. People of any age can have a sleep disorder-from newborns to the elderly, and scientists have found nearly 100 kinds. Here are the most common:
 
Insomnia
As many as 30 to 35 percent of adults complain of insomnia. This common condition, according to the National Sleep Foundation, has a number of forms. Acute insomnia is a brief episode of sleep difficulty caused by the stress of a particular event, like a job change, or bad news, or travel. Chronic insomnia is a long-standing pattern of sleep difficulty and arises from many causes. Comorbid insomnia is caused by a psychological condition such as chronic anxiety or depression or a physiological condition, such as arthritis or back pain. Onset insomnia is difficulty falling asleep at the beginning of the night. Maintenance insomnia is the inability to stay asleep. People with this can fall asleep but they wake up during the night and have trouble getting back to sleep.
 
Sleep breathing disorders
These have to do with the flow of air during sleep. In sleep apnea the airway of the sleeper becomes partially blocked, limiting the air getting to the lungs and often causing loud snoring, even choking sounds. The brain and body become oxygen-deprived, which may wake the sleeper. This may happen often during the night causing the sleeper to wake in the morning feeling tired. In addition to the daytime sleepiness and difficulty sleeping caused by this condition, the repeated lack of oxygen can lead to other negative consequences like high blood pressure, stroke, heart disease, and depression. Many people with sleep apnea do not know they have it. When diagnosed, it is manageable using a machine that creates continuous positive airway pressure called CPAP. An oral appliance and surgery are also options.
 
There are a number of different kinds of sleep apnea, and then there is sleep-related groaning called "catathrenia," where a prolonged sound when the sleeper exhales resembles a groan. The most common sleep breathing disorder is snoring, which occurs when the flow of breath makes the tissues in the back of the throat vibrate. It most often occurs as the sleeper breathes in, and can be caused by air flow through the nose or mouth or both. It can happen at any age, but it becomes more common as the sleeper gets older. Its worst effect is on the sleeper's bed partner, but it can sometimes be so loud it even wakes the sleeper. As noted above, snoring can also be a symptom of the more serious sleep apnea.
 
Circadian Rhythm disorders
Our "circadian rhythm" is the roughly 24-hour cycle of our internal biological processes, formed by the 24-hour day/night cycle of earth's rotation and sometimes called our "biological clock." It means at certain times of the day the body is disposed to sleep.
 
Because many people in our society travel by air, most Americans have experienced jetlag and may not think of it as a sleep disorder. It occurs when people travel across more than two time zones, causing their internal circadian rhythm to be out of sync with the intervals of day and night in the new time zone. Their internal signals tell them it's time to sleep when the external reality indicates otherwise. It takes time for the body to reset itself and then it must do it all over again when the traveler returns.
 
According to Sleep Education, "Your body uses sunlight to determine how much of the sleep-promoting hormone melatonin it produces. Melatonin production is high during the evening and very low during the day. As a result, you are alert during the daytime and sleepy at night." This is why traveling across multiple time zones can disrupt your circadian rhythms.
 
Shiftwork is a necessity for some people, but it is actually the cause of a sleep disorder. Some workers experience a disruption of the circadian rhythm. Their body wants to sleep when they have to be at work and is ready to be awake when they need to sleep. Some people adjust after a few weeks, and some never do.
 
Narcolepsy
Hypersomnia is a condition which causes the person to be excessively sleepy. Narcolepsy, the most common form, is a chronic sleep disorder where the person feels overwhelmingly tired and, in the worst case, can suddenly and uncontrollably fall asleep. About one person in 2,000 has this condition, though some are undiagnosed. It can be dangerous because it impairs the person's ability to do things which demand constant alertness, like driving a car. Narcolepsy with cataplexy involves a mix of excessive sleeping in the daytime with a condition called cataplexy where the person experiences a sudden loss of muscle tone while awake leading possibly to slurred speech, buckling knees, or in extreme cases -- paralysis, triggered by strong emotions of joy, surprise, laughter, or anger.
 
Sleep movement disorders
These are conditions that cause movement during sleep and make it hard to fall asleep and stay asleep. In restless leg syndrome a burning or itching sensation makes it hard to get comfortable enough to fall asleep. Sleep-related leg cramps happen when a muscle in the leg contracts intensely causing great pain. Bruxism is when the sleepers grind their teeth. The jaw commonly contracts in sleep, and when this contraction is too strong the teeth grind together causing them to wear down.
 
Parasomnias
These are disorders where unwanted events or experiences occur while you are falling asleep or waking up -- abnormal movement, behaviors, emotions, perceptions, or dreams. The sleeper remains mostly asleep during these and often has no memory of them. Sleepwalking is when the sleeper gets out of bed and walks around the room while still asleep. Sleep-walkers might sit up and look around in confusion. Their eyes are open with a "glassy" look. They might do routine things normally not done at night. Behavior can also be hostile or violent. It is hard to wake someone who is sleepwalking, which happens during the deep slow-wave stage of sleep and is sometimes combined with two other kinds of parasomnia-sleep-talking and night terrors or nightmares.
 
Treating sleep disorders
Restoring good sleep begins with establishing healthy sleep habits (See "How to improve your 'sleep hygiene'"). A CPAP machine is used to treat sleep apnea. Various kinds of light therapy can be used for circadian rhythm disorders. Insomnia can be treated by medication, and combining it with cognitive behavioral therapy has had positive results. There are a number of medications used to treat the many different sleep disorders. Then bringing treatment fully into the 21st century, there are software programs using wrist bands or motion-detection technology in smart phones to track a person's sleep cycles. The resulting information is used then to give feedback and to offer suggestions.
 
The goodness of sleep
Just as all humans have in common the need to sleep, all would have to agree on its benefits (see "Benefits of Good Sleep"). Miguel de Cervantes, Spanish writer of the 16th and 17th centuries who authored the classic Don Quixote, wrote, "Now, blessings light on him that first invented sleep! It covers a man [person] all over, thoughts and all, like a cloak; it is meat for the hungry, drink for the thirsty, heat for the cold, and cold for the hot. It is the current coin that purchases all the pleasures of the world cheap, and the balance that sets the king and the shepherd, the fool and the wise man, even."

Sources: sleep education.org, sleepfoundation.org
Tips to improve your "sleep hygiene"

1.   Avoid caffeine, alcohol, nicotine, and other chemicals that interfere with sleep
Don't ingest caffeine for four to six hours before sleeping. Smokers should not smoke close to bedtime. Alcohol may bring on sleep, but it can lead to more awakenings and reduce the quality of sleep. Avoid alcohol within three hours of sleeping.
 
2.   Turn your bedroom into a sleep-inducing environment
Keep it quiet, dark, and cool. If there is nearby noise, use earplugs or use a "white noise" machine. Put heavy curtains or shades at the windows. Some people wear an eye mask. Keep the temperature in the room 60° to 70° range, and keep the room well ventilated. Be sure you have a comfortable mattress and pillow. (Most mattresses wear out after 10 years.) Think about keeping computers, the TV, and work materials out of the bedroom.
 
3.  Seal your mattress
Sneezing, sniffles, and itchiness can disrupt sleep. Over time a mattress can fill with mold, dust mite droppings, and other allergy triggers. Use air-tight, dust-proof covers to seal your mattress, box spring, and pillows.
 
4.  Your bed is for people
A cat's or dog's night moves can disturb your sleep. The animals can also bring allergy triggers to your bed.
 
5.  Establish a soothing pre-sleep routine
Do something relaxing an hour or so before bedtime. Take a bath, read a book, watch TV, do relaxation exercises. Avoid doing work or discussing highly emotional issues. Physical or psychological stress can cause the body to secrete cortisol which is associated with alertness. Do not do heavy exercise. Try not to take your problems to bed.
 
6.  Sleep when you are truly tired
Struggling to fall sleep doesn't work. If you are not asleep in 20 minutes, get up, go to another room, and do something relaxing. Read or listen to music until you are sleepy.
 
7.  Try a leg pillow for back pain
Mild pain can disturb the deep restful stages of sleep. If you sleep on your side, put a pillow between your legs to align your hips better and reduce stress on your lower back. When sleeping on your back, tuck a pillow under your knees.
 
8.  Pay attention to your neck
Use a pillow just the right size to support the natural curve of your neck when sleeping on your back. When sleeping on your side, your nose should line up with the center of your body. Sleeping on your stomach twists your neck. Before bed, don't crane your neck to watch TV.
 
9.  Don't be a nighttime clock-watcher
Staring at the clock while trying to get to sleep can add to stress. Turn the clock face away from your line of sight. If you wake in the middle of the night and can't get back to sleep, get up and do something restful like reading or listening to music. Keep the lights dim. When you are sleepy, go back to bed.
 
10.  Use light to your advantage
Natural light keeps your body in a healthy sleep-wake cycle. Let morning light in first thing when you get up, and go outside during the day for a "sun break" to reinforce your circadian rhythm.
 
11.  Keep your internal clock set by following a consistent sleep schedule
Go to bed and wake up at the same time each day. Adhere to this schedule even on the weekends to avoid a Monday morning "sleep hangover." Your sleep will be more consistent and of better quality.
 
12.  Nap early or not at all
Afternoon napping can be a cause of sleep difficulty. If you must nap, keep it short and before 5 p.m.
 
13.  Lighten up on evening meals
Finish dining several hours before bedtime. Avoid foods that cause indigestion. If you get hungry at night, snack on food that won't disturb sleep. Try dairy or carbohydrates.
 
14.  Balance fluid intake
Drink enough to keep you from waking up thirsty, but not so much that you have to get up to use the bathroom.
 
15.  Exercise early
Exercise can help you fall asleep and sleep more soundly, but not close to bedtime because it releases cortisol, which keeps the brain alert. Work out early in the day or at least three hours before going to bed.
 
16.  Follow through
Some of these tips will be easier to follow than others. If you do them, your chances of restful sleep will improve. But if you continue to have problems, you may have a sleep disorder and may need to consult your physician or a sleep specialist.
 
From Twelve Simple Tips to Improve Your Sleep and 20 Tips for Better Sleep
Benefits of good sleep
Common-sense ideas from random people about the value of sleep.
  • Makes you feel better
  • May help you live longer
  • May curb inflammation
  • Sharpens your attention
  • Makes you more alert
  • Bolsters your memory
  • Improves your ability to learn
  • May improve your grades, if you are a student
  • Can spur creativity
  • May help with weight control
  • Lowers stress
  • Helps reduce risk of depression
  • Keeps your heart healthy
  • Helps your body repair itself
  • Strengthens your immune system
  • Improves your physical performance
  • Makes you less accident prone
Some random facts about sleep
  1. Humans are the only mammals that willingly delay sleep.
  2. The higher the altitude the greater the sleep disruption, especially at altitudes above 13,000.
  3. Divorced, widowed, and separated people report more insomnia.
  4. Caffeine, which inhibits sleep, has been called the most popular drug in the world. It is consumed all over the globe in coffee, tea, cocoa, chocolate, some soft drinks, and some drugs.
  5. We naturally feel tired at 2 a.m. and 2 p.m., when there is a natural dip in alertness.
  6. Newborns sleep 14 to 17 hours a day on an irregular schedule with periods of one to three hours awake.
  7. Sometimes the body never adjusts to shiftwork.
  8. Snoring is the primary cause of sleep disturbance for approximately 90 million American adults.
  9. Scientists do not know -- and probably never will know -- if animals dream during REM sleep, as humans do.
  10. Some studies show that melatonin may shorten the time it takes to fall asleep and reduce the number of awakenings. Other studies show no benefit from melatonin.
  11. One of the primary causes of excessive sleepiness among Americans is self-imposed sleep deprivation.
  12. According to the National Sleep Foundation's 2008 poll, 34 percent of respondents said their employers allowed them to nap during breaks, and 16 percent of employers provided a place to do so.
  13. People who do not get enough sleep are more likely to have bigger appetites.
  14. Rates of insomnia increase with age.
Adapted from list by National Sleep Foundation
LTD1There is a one-in-four chance you will need it







What are the chances you could become disabled at some point in your life? According to 2013 statistics from the Council for Disability Awareness, over 37 million Americans are classified as disabled. More than 50 percent of those are in the working years, from 18-64.
 
The CDA disability risk calculator indicates that a typical woman, age 35, who is 5'4", weighs 125 pounds, is a non-smoker, works an office job with some outdoor responsibility, and leads a healthy lifestyle has a 24 percent chance of being disabled for three months or longer during her working career with a 38 percent chance that the disability will last five years or more with the average disability lasting 82 months. If the same person uses tobacco and weighs 160 pounds, the risk increases from 24 to 41 percent.
 
A typical man, age 35, who is 5'10", weighs 170 pounds, is a non-smoker with the same kind of job and lifestyle has a 21 percent risk of becoming disabled for three months or longer during his working career with a 38 percent chance that the disability would last five years or more with the average disability lasting 82 months. If this same person uses tobacco and weighs 210 pounds, the risk increases to 45 percent.
 
If you would like to calculate your own Personal Disability Quotient, go to  www.whatsmypdq.org. Note: this calculator is designed for people of working age -- 20 to 65.
 
If you are in your working years, you can see why you should be thinking about long-term disability insurance. You may already have this insurance through the church, retirement center, or other Church of the Brethren organization where you work. If so, this article may help you understand better what your insurance can do for you. If you work for one of these employer groups and do not have LTD insurance, you may want to talk to your employer. If you work for a church, district, or camp that does not offer LTD, you may approach Brethren Insurance Services directly to discuss purchasing a policy.
 
What is LTD Insurance and how is it different from other kinds of insurance?
Long-term disability insurance protects you from loss of income in the event that you are unable to work for a long period of time due to illness, injury, or accident. Coverage for some policies begins after other sources are used up - sick leave, workers' compensation, personal resources, and/or short-term disability insurance. Others, like Brethren Insurance Services' policy, have an elimination period and coverage begins after 90 days.

Some people confuse long-term disability insurance with long-term care insurance, which provides nursing-home care, home-health care, or personal /adult day care when you have a chronic or disabling condition that needs constant supervision, especially when you are above the age of 65.

In a nutshell, disability insurance pays to replace wages. Long-term care insurance pays to provide care.
 
What are the benefits of long-term disability insurance?
Let's say that you have the misfortune of an accident or illness that makes it impossible for you to work. Accumulated sick leave might give you an income for the first few days. Workers' compensation, if your problem is work-related, might provide income for a time. If your problem is not work-related, short-term disability insurance, if you have it, might give you an income for about three months. You may have personal resources that will help carry you. Your long-term disability policy might be designed to kick in when other sources are exhausted, and before you have used up all your own reserves. The policy offered by Brethren Insurance Services begins after three months (90 days) of continuous disability.

Knowing all of this, you might think you don't need long-term disability. However, according to the Council for Disability Awareness, the average disability absence from work is 34.6 months -- almost three years. On the rare chance that you are disabled, it may be for a long time. Especially if you have a family depending on you, you will be very glad to have long-term disability insurance.
 
So how does long-term disability work?
Generally speaking, there are several things that determine the nature of a LTD policy. First, the elimination period is how long you have to wait before the benefit kicks in. As noted above, the Brethren Insurance Services elimination period is three months. If you were buying your own policy through another underwriter, you would choose this period based on how much sick leave and short-term disability insurance you have, or how much workers' compensation you can expect and how long you plan to cover your income with savings and reserves. Remember, LTD insurance covers you for the long haul. The three months offered by Brethren Insurance Services is a very good plan provision.

The second thing to think about is the benefits period. Do you want to be covered for one year? Two years? Five years? All the way up to retirement age when you can begin to collect social security? Upon proof of your level of disability, the Brethren Insurance Services plan will continue your payments until age 65 if you are disabled before the age of 60.  Think about what that would mean for someone who became disabled at age 30.

The third thing to think about is the benefit amount. The amount varies from policy to policy, but it is usually not more than about 60 percent of your pre-tax income. The Brethren Insurance Services benefit is higher -- 66⅔ percent of your salary up to $5,000 per month, reduced by other sources of income.
 
Here are some things you should know:
  • Some policies have a provision that protects against the loss of hearing, sight, speech, or the use of a limb. This is built into the Brethren Insurance Services contract.
  • The Brethren Insurance Services plan has a rehabilitation benefit (in some policies called a residual benefits provision) that allows you to keep your monthly benefit payment while beginning to work at your occupation. The benefit payment is reduced by 50 percent of the earnings from such rehabilitative employment.
  • There are no restrictions on how you can use the money your policy provides
  • Under the Brethren Insurance Services plan, it may be that both you and your employer contribute to the premiums. If your part is paid with post-tax dollars, the portion of the benefit attributable to this will be tax-free. The portion attributable to the premiums paid by your employer will be taxed.
  • An LTD policy protects your retirement savings as well as your present financial state.
Mistaken ideas about LTD
  • Some people think they don't need LTD insurance because workers compensation will cover them.
False. It will cover you only if your disability is caused on the job. Fewer than 5 percent of the claims are work-related, and 90 percent are for illnesses, not accidents. 
  • Some people think they're too young to worry about LTD.
False. A disabling illness or injury can happen at any age.

Why should you consider long-term disability insurance? Because it prepares for the possibility no one wants to think of -- that injury or illness could take away your ability to support your family and yourself and leave you in desperate straits. The hope is, of course, that you will never have to use your LTD insurance, but there is that one-in-four chance that you will need the coverage, and in that event you will be very glad you spent the money.
 
Two added benefits you will receive with your Long Term Disability insurance from Brethren Insurance Services
 
Employee Assistance Program
Brethren Insurance Services offers this service to policy holders at no charge. It is a professional counseling and referral service designed to help with your personal, job, or family problems. It is free, voluntary, and strictly confidential. The program is provided by Reliance Standard Life Insurance, and coverage is included in all Long-Term Disability policies.
 
On Call
This On Call emergency travel assistance program offers a variety of services for travelers in the event of an emergency. The coverage is included in the Brethren Insurance Services Long-Term Disability policies at no additional cost. If you are traveling more than 100 miles from home or are in a foreign country and have a medical emergency, On Call can help you locate medical care, assist with insurance coordination, and even help find a translator or legal help. The program covers employees, their spouses, their unmarried children under the age of 20, or their children under the age of 26 who are full-time students, and dependents. On Call is underwritten by Reliance Standard Life Insurance.
Sign up for the Long-Term Care Webinar
Do you have a plan for long-term care? Learn more at the free Long-Term Care Webinar on Thursday April 6, at 10 a.m. or 7 p.m.

This webinar, "The Ins and Outs of Long-Term Care," explaining long-term care insurance, will be hosted by Randy Yoder, Independent Agent for Brethren Benefit Trust and Long-Term Care Specialist.  

What is it? What are the options? What are the basic costs? The webinar will run for 30 minutes with live Q&A to follow. 

To register for the 10 a.m. morning session  click here.

To register for the 7 p.m. evening session  click here.

Call or email for a personal contact or a group presentation
Randy Yoder is also available to talk with you by phone or, if possible, through a personal visit to explore options that might fit you and your goals for the future. He also could bring a presentation to you and your family and friends and to your congregation. Randy can be reached at 847-849-0205 or  ryoder@cobbt.org.
Brain Puzzle
We hope you are enjoying our new addition to Insurance Update -- monthly BRAIN PUZZLES -- just for fun!

SNACKS

Five children want a snack.
There is an orange, a muffin, an apple, chocolate, and raisin bread.

Hints:
- Michelle hates chocolate and oranges.  
- Irene loves raisins.  
- Peter and Sarah don't want chocolate.  
- Peter and Jean are the only ones who like apples.

Which snack did each have?



GIFTS

Five persons receive gifts.
These gifts are a scooter, a sweater, a Nintendo, a computer, and a radio.

Hints:  
- Marie loves clothing.  
- Suzie loves the outdoors.  
- Julie hates electronic games.  
- Betty dislikes music and computers.  
- Mary loves to type.

Who received which gift?

Click here for the answer. 

 LTCILong-Term Care Insurance (different from Long-Term Disability)
Brethren Insurance Services offers Long-Term Care Insurance
 
Eligibility for long-term care insurance benefits is determined by the inability to meet at least two of these six activities of daily living -- bathing, eating, dressing, toileting, continence, or transferring. Cognitive impairment can also trigger benefits.
 
It's difficult to think about the fact that a debilitating condition or a disabling injury might leave you unable to care for yourself, or that when you reach your twilight years, the time will come when you will need some extra care. Long-term care insurance makes sure that you will get the care you need. It assures that the cost of your custodial care will not eat up your savings. Finally, and this is one of the best things about LTCI, it can help protect your children and other relatives from having to use their resources to care for you.
 
Brethren Insurance Services offers Long-Term Care Insurance for all members and employees of the Church of the Brethren and their family and friends; and also for employees of Church of the Brethren-affiliated agencies, organizations, colleges, and retirement communities and their families and friends.
 
If you are interested in obtaining this coverage, contact Brethren Insurance Services at  insurance@cobbt.org or 800-746-1505 for a free, no-obligation proposal or  click here to request more information.