February 2019
Issue No. 100

According to Wikipedia, February is National Bird-Feeding Month, created to educate the public on the hobby of wild bird feeding and bird watching. February was chosen because, coming at the end of the harsh, cold wintertime in the northern climates, it is one of the hardest months for wild birds.

Thinking about birds’ efforts to survive puts us in mind of their great and often hidden value. This issue of Well Now is thus devoted to what birds mean to us. There is an article on their benefit to the ecosystem and the ways they can directly help humans. There is a second brief article on how bird watching can keep us healthy.

This month’s insurance article focuses on short-term and long-term disability insurance, why it is important and valuable, and what you should consider if you are thinking of buying it.

As you open this issue on your computer, tablet, or phone, there may be snow on the ground if you live in the north. Chances are that wherever you live, your trees and bushes have that winter look. When you peer through your window, look for flashes of color and movement in those bleak twigs and branches. Think about what amazing creatures birds are, and let them be a reminder of the spring that is just around the corner.
What will you do if you lose your income?
You know how essential health insurance is for getting the healthcare you need. But what about disability insurance, which offers an additional necessary combination of protection and benefit? When you are sick or disabled, not only do you need healthcare coverage, you need a way to replace the income that is lost because you cannot work. This is where disability insurance comes in.

They saved his life
Did you know that insect-eating birds protect Jamaican coffee crops from borers that infest coffee berries? Or that birds safeguard apple orchards in the Netherlands, and white oaks in the Missouri Ozarks? Or that they reduce pest levels in organic wineries?

Birdwatching for your health
We have observed that birds are essential to the ecosystem and that birds can act as “therapists.” But what about bird watching for pleasure? There is a whole world of bird watching. Whether you are a serious “birder” or just like to occasionally observe these endlessly fascinating creatures, you might be interested to know that watching them is good for you.
Brain health
Bird brain teasers and bird humor
A fair bid

One day a man went to an auction. While there, he bid on an exotic parrot. He really wanted this bird, so he got caught up in the bidding. He kept on bidding, but kept getting outbid, so he bid higher and higher and higher. Finally, after he bid way more than he intended, he won the bid - the fine bird was finally his! As he was paying for the parrot, he said to the Auctioneer, "I sure hope this parrot can talk. I would hate to have paid this much for it, only to find out that he can't talk!" "Don't worry", said the Auctioneer, "He can talk. Who do you think kept bidding against you?"
Four walls and a bird

A m an walks out of a house that has four walls all facing north. A bird walks past him. What kind of bird is it?

Birds in two trees

In a lovely garden are two trees - an apple tree and a magnolia tree. Sitting on the branches of both trees are some birds.

The birds in the apple tree tell the birds in the magnolia tree, "If one of you comes to our tree, then our population will be the double of yours." 

Then the birds in the magnolia tree tell the birds in the apple tree, "If one of you comes here, then our population will be equal to that of yours."

Now answer: How many birds in each tree?
For your long-term care needs
Brethren Insurance Services offers Long-Term Care Insurance all through the year.
If you're interested in purchasing coverage, you should know that eligibility for 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 helps assure 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.
About us
Insurance Logo
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, long-term disability, short-term disability, voluntary accident insurance, and Medicare supplement for eligible Church of the Brethren employees.
Dental, vision, 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. 3366, 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.  
A not-for-profit ministry of
Church of the Brethren Benefit Trust Inc.

Contact Us 
1505 Dundee Ave
Elgin, IL 60120