text:
1. An overview of data protection
General information
The following information will provide you with an easy to navigate overview of what will happen with your personal data when you visit our website. The term "personal data" comprises all data that can be used to personally identify you. For detailed information about the subject matter of data protection, please consult our Data Protection Declaration, which we have included beneath this copy.
Data recording on our website
Who is the responsible party for the recording of data on this website (i.e. the "controller")?
The data on this website is processed by the operator of the website, whose contact information is available under section "Information Required by Law" on this website.
How do we record your data?
We collect your data as a result of your sharing of your data with us. This may, for instance be information you enter into our contact form.
Our IT systems automatically record other data when you visit our website. This data comprises primarily technical information (e.g. web browser, operating system or time the site was accessed). This information is recorded automatically when you access our website.
What are the purposes we use your data for?
A portion of the information is generated to guarantee the error free provision of the website. Other data may be used to analyse your user patterns.
What rights do you have as far as your information is concerned?
You have the right to receive information about the source, recipients and purposes of your archived personal data at any time without having to pay a fee for such disclosures. You also have the right to demand that your data are rectified, blocked or eradicated. Please do not hesitate to contact us at any time under the address disclosed in section "Information Required by Law" on this website if you have questions about this or any other data protection related issues. You also have the right to log a complaint with the competent supervising agency.
Moreover, under certain circumstances, you have the right to demand the restriction of the processing of your personal data. For details, please consult the Data Protection Declaration under section "Right to Restriction of Data Processing."
2. General information and mandatory information
Data protection
The operators of this website and its pages take the protection of your personal data very seriously. Hence, we handle your personal data as confidential information and in compliance with the statutory data protection regulations and this Data Protection Declaration.
Whenever you use this website, a variety of personal information will be collected. Personal data comprises data that can be used to personally identify you. This Data Protection Declaration explains which data we collect as well as the purposes we use this data for. It also explains how, and for which purpose the information is collected.
We herewith advise you that the transmission of data via the Internet (i.e. through e-mail communications) may be prone to security gaps. It is not possible to completely protect data against third party access.
Information about the responsible party (referred to as the "controller" in the GDPR)
The data processing controller on this website is:
Shoota GmbH, represented by Managing Director: Felix Wunderle
Schaeftlarnstr. 94 | 81371 Munich | Germany
Telephone: +49 (0) 89 709 564-00
Email: email@example.com
The controller is the natural person or legal entity that single-handedly or jointly with others makes decisions as to the purposes of and resources for the processing of personal data (e.g. names, e-mail addresses, etc.).
Revocation of your consent to the processing of data
A wide range of data processing transactions are possible only subject to your express consent. You can also revoke at any time any consent you have already given us. To do so, all you are required to do is sent us an informal notification via e-mail. This shall be without prejudice to the lawfulness of any data collection that occurred prior to your revocation.
Right to object to the collection of data in special cases; right to object to direct advertising (Art. 21 GDPR)
In the event that data are processed on the basis of Art. 6 Sect. 1 lit. e or f GDPR, you have the right to at any time object to the processing of your personal data based on grounds arising from your unique situation. This also applies to any profiling based on these provisions. To determine the legal basis, on which any processing of data is based, please consult this Data Protection Declaration. If you log an objection, we will no longer process your affected personal data, unless we are in a position to present compelling protection worthy grounds for the processing of your data, that outweigh your interests, rights and freedoms or if the purpose of the processing is the claiming, exercising or defence of legal entitlements (objection pursuant to Art. 21 Sect. 1 GDPR).
If your personal data is being processed in order to engage in direct advertising, you have the right to at any time object to the processing of your affected personal data for the purposes of such advertising. This also applies to profiling to the extent that it is affiliated with such direct advertising. If you object, your personal data will subsequently no longer be used for direct advertising purposes (objection pursuant to Art. 21 Sect. 2 GDPR).
Right to log a complaint with the competent supervisory agency
In the event of violations of the GDPR, data subjects are entitled to log a complaint with a supervisory agency, in particular in the member state where they usually maintain their domicile, place of work or at the place where the alleged violation occurred. The right to log a complaint is in effect regardless of any other administrative or court proceedings available as legal recourses.
Right to data portability
You have the right to demand that we hand over any data we automatically process on the basis of your consent or in order to fulfil a contract be handed over to you or a third party in a commonly used, machine readable format. If you should demand the direct transfer of the data to another controller, this will be done only if it is technically feasible.
SSL and/or TLS encryption
For security reasons and to protect the transmission of confidential content, such as purchase orders or inquiries you submit to us as the website operator, this website uses either an SSL or a TLS encryption programme. You can recognise an encrypted connection by checking whether the address line of the browser switches from "http://" to "https://" and also by the appearance of the lock icon in the browser line.
If the SSL or TLS encryption is activated, data you transmit to us cannot be read by third parties.
Information about, blockage, rectification and eradication of data
Within the scope of the applicable statutory provisions, you have the right to at any time demand information about your archived personal data, their source and recipients as well as the purpose of the processing of your data. You may also have a right to have your data rectified, blocked or eradicated. If you have questions about this subject matter or any other questions about personal data, please do not hesitate to contact us at any time at the address provided in section "Information Required by Law."
Right to demand processing restrictions
You have the right to demand the imposition of restrictions as far as the processing of your personal data is concerned. To do so, you may contact us at any time at the address provided in section "Information Required by Law." The right to demand restriction of processing applies in the following cases:
- In the event that you should dispute the correctness of your data archived by us, we will usually need some time to verify this claim. During the time that this investigation is ongoing, you have the right to demand that we restrict the processing of your personal data.
- If the processing of your personal data was/is conducted in an unlawful manner, you have the option to demand the restriction of the processing of your data in lieu of demanding the eradication of this data.
- If we do not need your personal data any longer and you need it to exercise, defend or claim legal entitlements, you have the right to demand the restriction of the processing of your personal data instead of its eradication.
- If you have raised an objection pursuant to Art. 21 Sect. 1 GDPR, your rights and our rights will have to be weighed against each other. As long as it has not been determined whose interests prevail, you have the right to demand a restriction of the processing of your personal data.
If you have restricted the processing of your personal data, these data – with the exception of their archiving – may be processed only subject to your consent or to claim, exercise or defend legal entitlements or to protect the rights of other natural persons or legal entities or for important public interest reasons cited by the European Union or a member state of the EU.
3. Recording of data on our website
In some instances, our website and its pages use so-called cookies. Cookies do not cause any damage to your computer and do not contain viruses. The purpose of cookies is to make our website more user friendly, effective and more secure. Cookies are small text files that are placed on your computer and stored by your browser.
Most of the cookies we use are so-called "session cookies." They are automatically deleted after your leave our site. Other cookies will remain archived on your device until you delete them. These cookies enable us to recognise your browser the next time you visit our website.
You can adjust the settings of your browser to make sure that you are notified every time cookies are placed and to enable you to accept cookies only in specific cases or to exclude the acceptance of cookies for specific situations or in general and to activate the automatic deletion of cookies when you close your browser. If you deactivate cookies, the functions of this website may be limited.
Cookies that are required for the performance of the electronic communications transaction or to provide certain functions you want to use (e.g. the shopping cart function), are stored on the basis of Art. 6 Sect. 1 lit. f GDPR. The website operator has a legitimate interest in storing cookies to ensure the technically error free and optimised provision of the operator's services. If other cookies (e.g. cookies for the analysis of your browsing patterns) should be stored, they are addressed separately in this Data Protection Declaration.
Server log files
The provider of this website and its pages automatically collects and stores information in so-called server log files, which your browser communicates to us automatically. The information comprises:
- The type and version of browser used
- The used operating system
- Referrer URL
- The hostname of the accessing computer
- The time of the server inquiry
- The IP address
This data is not merged with other data sources.
This data is recorded on the basis of Art. 6 Sect. 1 lit. f GDPR. The operator of the website has a legitimate interest in the technically error free depiction and the optimization of the operator's website. In order to achieve this, server log files must be recorded.
Registration on this website
You have the option to register on our website to be able to use additional website functions. We shall use the data you enter only for the purpose of using the respective offer or service you have registered for. The required information we request at the time of registration must be entered in full. Otherwise we shall reject the registration.
To notify you of any important changes to the scope of our portfolio or in the event of technical modifications, we shall use the e-mail address provided during the registration process.
We shall process the data entered during the registration process on the basis of your consent (Art. 6 Sect. 1 lit. a GDPR). You have the right to revoke at any time any consent you have already given us. To do so, all you are required to do is sent us an informal notification via e-mail. This shall be without prejudice to the lawfulness of any data collection that occurred prior to your revocation.
The data recorded during the registration process shall be stored by us as long as you are registered on our website. Subsequently, such data shall be deleted. This shall be without prejudice to mandatory statutory retention obligations.
Processing of data (customer and contract data)
We collect, process and use personal data only to the extent necessary for the establishment, content organization or change of the legal relationship (data inventory). These actions are taken on the basis of Art. 6 Sect. 1 lit. b GDPR, which permits the processing of data for the fulfilment of a contract or pre-contractual actions. We collect, process and use personal data concerning the use of our website (usage data) only to the extent that this is necessary to make it possible for users to utilize the services and to bill for them.
The collected customer data shall be eradicated upon completion of the order or the termination of the business relationship. This shall be without prejudice to any statutory retention mandates.
4. Newsletter
Newsletter data
If you would like to subscribe to the newsletter offered on this website, we will need from you an e-mail address as well as information that allow us to verify that you are the owner of the e-mail address provided and consent to the receipt of the newsletter. No further data shall be collected or shall be collected only on a voluntary basis. We shall use such data only for the sending of the requested information and shall not share such data with any third parties.
The processing of the information entered into the newsletter subscription form shall occur exclusively on the basis of your consent (Art. 6 Sect. 1 lit. a GDPR). You may revoke the consent you have given to the archiving of data, the e-mail address and the use of this information for the sending of the newsletter at any time, for instance by clicking on the "Unsubscribe" link in the newsletter. This shall be without prejudice to the lawfulness of any data processing transactions that have taken place to date.
The data you archive with us for the purpose of the newsletter subscription shall be archived by us until you unsubscribe from the newsletter. Once you cancel your subscription to the newsletter, the data shall be deleted. This shall not affect data we have been archiving for other purposes.
This website uses the services of MailChimp to send out its newsletters. The provider is the Rocket Science Group LLC, 675 Ponce De Leon Ave NE, Suite 5000, Atlanta, GA 30308, USA.
Among other things, MailChimp is a service that can be deployed to organise and analyse the sending of newsletters. Whenever you enter data for the purpose of subscribing to a newsletter (e.g. your e-mail address), the information is stored on MailChimp servers in the United States.
MailChimp is in possession of a certification that is in compliance with the "EU-US-Privacy-Shield." The "Privacy-Shield" is a compact between the European Union (EU) and the United States of America (USA) that aims to warrant the compliance with European data protection standards in the United States.
With the assistance of the MailChimp tool, we can analyse the performance of our newsletter campaigns. If you open an e-mail that has been sent through the MailChimp tool, a file that has been integrated into the e-mail (a so-called web-beacon) connects to MailChimp's servers in the United States. As a result, it can be determined whether a newsletter message has been opened and which links the recipient possibly clicked on. Technical information is also recorded at that time (e.g. the time of access, the IP address, type of browser and operating system). This information cannot be allocated to the respective newsletter recipient. Their sole purpose is the performance of statistical analyses of newsletter campaigns. The results of such analyses can be used to tailor future newsletters to the interests of their recipients more effectively.
If you do not want to permit an analysis by MailChimp, you must unsubscribe from the newsletter. We provide a link for you to do this in every newsletter message. Moreover, you can also unsubscribe from the newsletter right on the website.
The data is processed based on your consent (Art. 6 Sect. 1 lit. a GDPR). You may revoke any consent you have given at any time by unsubscribing from the newsletter. This shall be without prejudice to the lawfulness of any data processing transactions that have taken place prior to your revocation.
The data you archive with us for the purpose of the newsletter subscription shall be archived by us until you unsubscribe from the newsletter. Once you cancel your subscription to the newsletter, the data shall be deleted from our servers as well as those of MailChimp. This shall not affect data we have been archiving for other purposes.
For more details, please consult the Data Privacy Policies of MailChimp at: https://mailchimp.com/legal/terms/.
Execution of a contract data processing agreement
We have executed a so-called "Data Processing Agreement" with MailChimp, in which we mandate that MailChimp undertakes to protect the data of our customers and to refrain from sharing it with third parties. You may review this Agreement under the following link: https://mailchimp.com/legal/forms/data-processing-agreement/sample-agreement/.
5. Plug-ins and Tools
Google Web Fonts
To ensure that fonts used on this website are uniform, this website uses so-called Web Fonts provided by Google. When you access a page on our website, your browser will load the required web fonts into your browser cache to correctly display text and fonts.
To do this, the browser you use will have to establish a connection with Google's servers. As a result, Google will learn that your IP address was used to access our website. The use of Google Web Fonts is based on our interest in presenting our online content in a uniform and appealing way. According to Art. 6 Sect. 1 lit. f GDPR, this is a legitimate interest.
If your browser should not support Web Fonts, a standard font installed on your computer will be used.
For more information on Google Web Fonts, please follow this link: https://developers.google.com/fonts/faq and consult Google's Data Privacy Declaration under: https://policies.google.com/privacy?hl=en.
Adobe Typekit Web Fonts
In order to ensure the uniform depiction of certain fonts, our website uses fonts called Adobe Typekit Web Fonts provided by Adobe Systems Incorporated, 345 Park Avenue, San Jose, CA 95110-2704, USA (Adobe).
When you access pages of our website, your browser will automatically load the required fonts directly from the Adobe site to be able to display them correctly on your device. As a result, your browser will establish a connection with Adobe's servers in the United States. Hence, Adobe learns that your IP address was used to access our website. According to the information provided by Adobe, no cookies will be stored in conjunction with the provision of the fonts.
Adobe is in possession of a certification in accordance with the EU-US Privacy Shield. The Privacy Shield is a compact ratified between the United States of America and the European Union, aiming to warrant compliance with European Data Protection Standards. For more information, please follow this link: https://www.adobe.com/de/privacy/eudatatransfers.html.
The use of Adobe Typekit Web Fonts is necessary to ensure the uniform presentation of fonts on our website. This constitutes a legitimate interest as defined in Art. 6 Sect. 1 lit. f GDPR.
For more information about Adobe Typekit Web Fonts, please read the policies under: https://www.adobe.com/de/privacy/policies/typekit.html.
Adobe's Data Privacy Declaration may be reviewed under: https://www.adobe.com/de/privacy/policy.html.


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It is the handmade artwork that makes life cheerful.
One-Layer Thanks Card
I am having a small-sized remodeling in my home during the weekend, so I am kind of stuck in my home! What other better things to do in addition to monitoring the workers' progress? Ha! It's definitely the stamping and card making!
Here is what I did, based on the inspirations from the following challenges:
1. CASE Study Challenge #200
2. Craft Stamper Take It Make It Challenge: July – Embossing Resist Technique
3. Hero Arts One Layer Challenge
4. A Blog Named Hero #48 One-Layer Card with Paper Smooches
5. ColourQ Challenge#250
6. Simon Says Stamp Spots and Dots Challenge
Card Details
Text stamp is by Paper Smooches and Dot stamps are by Hero Arts.
If you like my card, please drop me a note to let me know! That will make my day! : )
14 comments:
Gorgeous design, Helen! I love the cascading dots and circles! AWESOME work as always! Thanks so much for playing Simon Says Stamp Wednesday Challenge!ReplyDelete
Great card and you combine so many challenge theme in a card. Good work!ReplyDelete
What a fun card! Love the embossed greeting over the colourful stamping! Thanks for joining us at the ColourQ this week!ReplyDelete
Gorgeous card Helen, love all the circles. Thanks for joining in the Take It Make It Challenge, Elizabeth xReplyDelete
Great card .... love the colours! Thanks for joining in with the Craft Stamper TIMI challenge ..... good luck! Linda xxReplyDelete
Love the contrast of the bright circles and the striped border! Thanks so much for playing along with Craft Stamper Take It Make It :)ReplyDelete
this is a fabulous one layer design! love the layers of circles then the white embossing!! thank you so much for playing along with us at simon says stamp!ReplyDelete
awesome combo of challenges...love your one layer beauty!ReplyDelete
Thanks for joining us at Case Study!
Great job on your one layer technique combined with the EP resist! Thanks so much for joining us at the Take It Make It Challenge.ReplyDelete
Your card is gorgeous Helen... thank you so much for joining us over at Craft Stamper for the TIMI challenge xxxReplyDelete
Love the layout of this, all the stamping perfectly placed on the card! Thank you for playing along with the Craft Stamper blog challenge this month! xxReplyDelete
Lovely card, great use of colors and circles! Thank you for playing with us at Craft Stamper challenge!ReplyDelete
What a fun card, Helen and nicely designed! Thanks for joining us at the colourQ.ReplyDelete
Great stamping and beautiful card! Love it! Thanks for playing along with us at A Blog Named Hero!ReplyDelete

subset: commoncrawl


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Mary Ann 'Mother' Bickerdyke, Bunker Hill, Ellsworth
Mother Bickerdyke in her later years. Photo courtesy Lu Adams
Memorial Cemetery Monument to Mother Bickerdyke. Photo KSF
One of the archways next to the drive memorializing Mother Bickerdyke. Photo KSF
Archway entrance. Photo courtesy Lu Adams.
Lu Adams of Ellsworth giving a moving portrayal of Mother Bickerdyke at Lincoln Days, 2009. Photo KSF
Bunker Hill, KS 67626
[map this location]
Ann "Mother" Bickerdyke's heroic efforts as a nurse on the Civil War battlefield
earned her great affection from veterans and later she was a pensioner and
advocate for the veterans; and she helped many settle in
Mary Ann Ball was born near
Mount Vernon, Ohio in 1817. In 1847 she married Robert
Bickerdyke and they moved to Galesburg,
Mary Ann "Mother" Bickerdyke. Photo courtesy
Kansas Historical Society
At the outbreak of the American Civil War, residents of Galesburg, Illinois purchased medical supplies worth five hundred dollars for soldiers serving at Cairo, Illinois. Mary Ann Bickerdyke offered to deliver the money. Upon arriving in Cairo, Bickerdyke used the supplies to establish a hospital for the Northern soldiers. She spent the remainder of the war traveling with various Union armies, establishing more than three hundred field hospitals to assist sick and wounded soldiers. During battles, Bickerdyke commonly risked her own life by searching for wounded soldiers. Once darkness fell, she would carry a lantern into the disputed area between the two competing armies and retrieve wounded soldiers.
Both Generals Ulysses S. Grant and William T. Sherman admired Bickerdyke for her bravery and for her deep concern for the soldiers. To assist the soldiers, Bickerdyke gave numerous speeches across the North, describing the difficult conditions that soldiers experienced and solicited contributions. The soldiers nicknamed her "Mother Bickerdyke" because of her continuing concern for them.
Source: ohiohistorycentral.org/entry.php?rec=32&nm=Mary-Ann-Bickerdyke
Mother Bickerdyke's Service Continued After the War
At the closing of the Civil War in 1865, Mother Bickerdyke was 48 years old. Her work serving Civil War veterans, "the boys," continued until her death in 1901 at the age of 84 years.
Immediately after the war, she cared for wounded soldiers at the Home for the Friendless in Chicago, Illinois. She soon saw that the young men, many disabled and without careers, were desperate for employment. She had heard about land to homestead in Kansas, so she rode the newly expanded railroad to its furthest point west, Salina. In Salina she built a boarding home on the 600 block of North Ninth Street, where she could sleep 33 and feed 110. She negotiated with the CB &Q Railroad for two years of free transportation for the veterans and their families and helped settle over 300 families in and around Saline County, and in Barton, Russell, Lincoln, Ellsworth, Ottawa, Stafford, and Rice counties.
While she was absent getting supplies, the railroad foreclosed on the boarding home because she had neglected to collect rent from the destitute boarders. She then left the state of Kansas for a period of years and worked elsewhere to assist the poor and needy.
Source: personal.kitusa.com/adamsluandkeith/saline_county.htm
After Mary's death in November of 1901 in Bunker Hill, her body was returned to Galesburg, Illinois to rest in the Linwood Cemetery beside her husband, Robert, deceased in 1859.
Mother Bickerdyke Marker in Bunker Hill. Photo KSF
- Bunker Hill Museum, one block east of the cafe in a limestone church. Find her piano, a quilt, and some information on Mother Bickerdyke inside and a marker outside. This is the Lutheran Church where Mary and her son James worshiped. Open Sunday 1:30-5 p.m. until October 22 or call 785.483.6185 for an appointment.
- Bickerdyke Cemetery, From K-156 at Ellsworth, go west on K-14 and take the first turn north on Avenue L. Follow the sand road past the TV towers to a hilltop cemetery. Mother Bickerdyke isn't buried here but you'll find a memorial to her among the graves of wives of Civil War veterans. Thirty-two women were buried there from 1902 to 1910. In 1962 the cemetery was dedicated. The graves were not individually marked, so a stone was placed in the cemetery listing the names of all the deceased.
- Mother Bickerdyke Home, 1156 K-14, Ellsworth, KS 67439. The Women's Relief Corp used the original buildings and 160 acres here as a self-sustaining home for the widows and orphans of Civil War veterans. They named the home in Mother Bickerdyke's honor in 1897. She never lived here but made many visits. In 1952 the home closed, and the remaining occupants were mustered out to the Dodge City Soldiers Home. Today, it's a retirement home and is called Good Samaritan Society - Ellsworth Village. You can see Mother Bickerdyke's name in the entrance arches.
Source: personal.kitusa.com/adamsluandkeith/ellsworth_county.htm.
- In the Barton County Courthouse today are the Record Books of the Poor listing all the items Bickerdyke distributed to families devastated by a grasshopper invasion in 1874. She solicited over 200 train car loads of supplies from December 1874 to March of 1876. Source: personal.kitusa.com/adamsluandkeith/barton_county.htm
- The Bickerdyke Elementary School, dedicated in 1962, is located at 348 N. Maple in Russell. James Bickerdyke, Mother Bickerdyke's son, was the first superintendent of schools in Russell.
- Lu Adams of Ellsworth does historical portrayals of Mother Bickerdyke.
Phone: 620-585-2374


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Manufacturing boost in North as new orders and jobs rise
MANUFACTURERS in Northern Ireland experienced a rise in business activity, new orders and employment last month.
Businesses increased staff levels for three consecutive months, with last month's rate of employment growth in the North's manufacturing sector the fastest since November.
Northern Ireland's economy is important to the Republic, which exports more goods north of the Border than it does to Brazil, Russia, India and China combined.
But despite the positive news, the Ulster Bank Northern Ireland Purchasing Managers Index showed that both the construction and services sectors are still in contraction.
However, in both sectors the pace of decline in output, new orders and employment eased.
The business activity index therefore rose marginally last month to 48.3. Anything above 50 indicates expansion.
Richard Ramsey, Northern Ireland chief economist with Ulster Bank, said the first PMI survey for the year was one of the most positive for quite some time.
Key findings of the PMI survey include:
• Business activity in Northern Ireland decreased modestly in January, extending the current sequence of contraction to 14 months. But the latest reduction was the weakest in the sequence.
• Private sector employment in Northern Ireland rose in January, ending a 13-month sequence of job shedding, driven by manufacturing.
• The rate of input cost inflation at Northern Ireland companies quickened for the third month running, and was the fastest since April last year.
Irish Independent


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This past weekend my friend Hannah and I ran around town and took some pictures! I had a blast and wanted to share them with you! It was about 20 degrees outside - YIKES! Fear not, we still braved the cold and she got some sweet shots! Be sure to check out her etsy shop, she has some beautiful/cool stuff and she's having a sale! zapfdesignco.com
I hope this encourages you to get out and explore your city! You're sure to happen upon fun new places you didn't know existed, or just forgot about!
See ya Thursday,


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Have you ever heard about the rule – " If you don't put it in your mouth, don't put it on your skin!"? Well, we couldn't agree more. We seem to be incapable of noticing all the real toxic elements we put in our body and on our skin because of the lack of time, dedication and most importantly, we don't really know the damages we're actually creating in our body and skin. We should once and for all, learn what are the real benefits of creating some healthy detoxifying habits.
We need to practice some healthy everyday choices in order to properly clean our system. Our entire body and its organs, especially skin, which is the largest one, are strongly affected by everything we decide to consume. So, we have prepared, after a deep research, the top 3 things everyone should start doing in order to keep a healthy, balanced lifestyle. Most importantly, the things we should all do in order to prevent all kind of health –related issues and keep a beautiful, young-looking skin! These are what the experts (especially neurologists) do, in order to keep their body and skin healthy, so check them out 😉
We are what we eat!
This is the first, most essential rule we need to keep in mind. All vitamins, minerals, antioxidants etc. are vital to our long-lasting health and beauty. We cannot achieve anything good by preventing ourselves some healthy, organic foods which have the ability to work in the strongest way especially when having a problematic skin.
Despite creating and consuming a healthy balanced diet, filled with homemade dishes and prepared with unprocessed foods, here are some of the fruits and veggies you should never skip including them in your everyday diet. Since we're mostly focusing on skin, these foods work some real miracles on this organ.
- Avocado
Filled with vitamin E, B, and A, avocado helps our skin stay hydrated for a long time and also, our nails and hair strong and vibrant. They are a great source of biotin, zinc and other elements which detoxify our body.
- Cucumbers
Cucumbers contain silicon, which is a perfect element to help in fighting the lack of skin's elasticity and wrinkles.
- Egg
Eggs are high in protein. This element helps to build strong and healthy nails and hair. Also, they contain vitamin E, which help our skin be hydrated and vital.
- Tomatoes
Tomatoes are a very important fruit when trying to keep a healthy skin and not only. They are filled with antioxidants (lycopene) which help to prevent the free radical's production. Free radicals give an oxidative damage in our skin and body. Also, tomatoes contain silicon.
- Dark-colored veggies
Kale, broccoli, swiss, spinach etc. they do all contain some essential minerals and vitamins for our body. They should be included in every single meal. Filled with vitamin E, C, and many antioxidants which protect our organs. Our skin will be visibly more healthy and strong.
Drink a lot of water, especially detox water
Drinking water is one of the most important steps when detoxifying our body from inside out. And, drinking detox water is twice as good! Being dehydrated means more health problems. Means you can never expect having a healthy, good-looking skin. The lack of water brings acne, dry and irritated skin, wrinkles and many other issues. So, drinking at least 8 full glasses of water a day is considered to be a decent amount.
But, if you choose to drink detox water, by putting some fruits and veggies in your water bottle, then, you have just prepared yourself a multi-vitamin drink! Packed with vitamins, minerals, ANTIOXIDANTS and much more healthy nutritional elements, detox water is the perfects, best way to replace the natural water. Some of the most common detox water recipes are:
- Water filled with sliced lemons and ginger.
- Water filled with mint, lemon, and strawberries.
- Water filled with cucumber, mint, and lime
- Water filled with blueberries, blackberries, and strawberries
- Water filled with water lemon pieces and mint.
- etc.
Be a green beauty shopper
And by that, we mean you need to always be careful and choose wisely when purchasing skin care products. In order to seal good and healthy results, you need to select some natural-based products. If you cannot really afford to buy some of these skin care products, you can always try to prepare them at home.
It's better to not buy a face cream at all than using a product filled with dangerous chemicals which will not only damage your skin cells but also, you. Purchasing some organic skincare essentials, means you are making a real investment here! What you put on your skin, is as much as important as the food you chose to eat. When naturally fighting free radicals, dehydrated cells, and many other issues, you can expect some quickly, efficient results in not much time!


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3-Diamond Tri-Color Heart Engraved Pendant Necklace
Tri-color 24K gold plated sterling silver heart with 3 brilliant-cut diamonds. Loving engraved inscription on back. With presentation box.
Pendant measures 2.9 cm H, chain is 45.7 cm L
- Price:
- s&s◇
Express your love straight from the heart, with this handcrafted sterling silver heart-shaped diamond pendant! The triple-heart design is plated in tri-color bands of shimmering yellow, white and rose 24K gold. Three sparkling brilliant-cut diamonds, graduated in size, further accentuate how your love has grown, and the back of this fine sterling silver diamond jewelry bears a poignant sentiment: "Today, Tomorrow, Always."
Available only from the Bradford Exchange, this elegant heart-shaped jewelry is the perfect way to tell every one just how deeply you care. It hangs from an 18" sterling silver chain, and arrives in a handsome presentation box. What a loving keepsake gift, for yourself or someone special! Order now!
- Fine sterling silver diamond jewelry of original design, available only from the Bradford Exchange
- Triple-heart design is handcrafted of solid sterling silver and plated in tri-color bands of yellow, white and rose 24K gold
- Three brilliant-cut diamonds of graduating size dangle in the open center of the heart
- The back of the pendant is engraved with the words, "Today, Tomorrow, Always"
- Hangs from an 18" sterling silver chain
- Arrives in a presentation box - makes the perfect heart-shaped jewelry gift, for yourself or someone special
- Certificate of Authenticity
- Pendant measures 1-1/8" high, chain is 18" in length


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New Web Victim: Office-Supply Store
Staples Will Reduce Retail Space to Focus Online; Big Box Category Criticized for Moving Slowly
Big-box office-supply stores have joined the ranks of the walking wounded in the digital age.
Battered in the recession, the office-supply business emerged to face new obstacles. Small-business growth has been soft during the slow economic rebound. Government budgets have shrunk. Add to those woes the online competition from rivals such as Amazon.com Inc. AMZN -0.80% and then the introduction of the iPad and other handheld devices, which are paring demand for personal computers, printers and other office accessories.
"The No. 1 reason for softness in this business is the iPad," said Gary Balter, retail analyst at Credit Suisse. "Look at how much less we print today."
On Tuesday, Staples Inc. said it plans to reduce its U.S. store space by 15% as part of a wider reorganization of its business, the latest example of how office-supply chains are struggling to stay relevant as more shoppers buy products like computers, pens, paper and paper clips online.
Like rivals OfficeMax Inc. and Office Depot Inc., ODP 1.17% Staples has been shrinking its stores and opening smaller, convenience-focused shops, as it tries to adapt to the changes in shopping behavior that are hurting many big-box specialty retailers. But analysts and some investors maintain the changes aren't happening fast enough. The office-store category is glutted with giant sales floors and little opportunity for growth, as the rise of smartphones and computers results in more business being done digitally instead of on paper. At the end of fiscal 2011, Staples had 2,295 stores world-wide and 1,500 in the U.S..
The turnaround plan by Staples, the nation's largest office-supplies chain, includes a greater focus on online operations but also involves improving the productivity of stores.
Staples already has a robust online office-supply business, with annual revenue of about $10 billion, making it the second largest online merchant, behind only Amazon.com Inc., AMZN -0.80% by some estimates. On Tuesday it said would invest to expand its online offerings beyond office supplies, funding the expansion by cutting $250 million in costs by the end of 2015.
The savings will come from closing 30 stores—about 1% of its U.S. store fleet—and cutting the size of 30 more in the U.S. during this fiscal year, as well as closing 45 stores in Europe, the company said. U.S. store square footage is being reduced by 15% by 2015.
The Framingham, Mass., company named one executive, Demos Parneros, as head of both U.S. retail and Staples.com.
The chains are struggling in part due to new shopping habits from customers such as Jose Nino, a 29-year-old shopper who recently visited a Dallas Staples to buy a new printer, but walked out empty handed.
"Prices are usually cheaper online," he said, explaining that he came to test out printers at the store but was considering buying one on the Web instead.
Analysts questioned whether Staples' moves, which they called overdue, went far enough to bolster the company's diminishing financial performance. Staples lowered its full year profit estimates last month, after its second quarter sales fell 6%. Its sales fell 2% at U.S. stores open at least a year and 1% for supplies it delivers to big and mid-sized businesses.
"Staples has been reluctant to take bold action to address stagnant or declining business," said Colin McGranahan, a retail analyst at Sanford C. Bernstein. "Its strategy has been to trim at the margins and wait for things to get better."
OfficeMax and Office Depot are also actively closing stores and downsizing locations, but analysts and investors say they too aren't moving fast enough.
Office Depot posted a second-quarter loss of $57.4 million last month, widening from $20.1 million a year before. Sales at its 1,094 North American stores open at least a year dropped 4% from a year before, with international sales dropping by 13% during the same period. It closed six stores in the quarter ending June 30.
Activist investment fund Starboard Value LP, which has taken a 13.3% stake in Office Depot, sent a letter to the Boca Raton, Fla., company's chief executive, Neil Austrian, last week calling for management to "act now with a renewed sense of urgency."
Starboard CEO Jeffrey Smith acknowledged Office Depot was trying to cut costs and introduce smaller stores that are about a quarter of the size of a typical 24,000 square-foot locations, but called for reining in advertising, administrative costs and other expenses to improve profitability.
Kevin Peters, Office Depot's president of North America, declined to comment specifically on Starboard's letter but said a complete turnaround in how the stores are run "doesn't happen overnight."
The bigger stores "were wasted space," said Mr. Peters. "The new stores maintain 90% of the sales and are smaller, have more private-branded products with higher margins and place a larger emphasis on services instead of products."
OfficeMax, the third-largest office supply store with 957 locations, reported a second-quarter profit of $10.7 million, compared with a $3 million loss the year before. Retail sales at stores open at least a year fell 1.8%.
During the quarter ended June 30, OfficeMax closed three stores in the U.S, and Mexico. OfficeMax wasn't immediately available for comment.
Write to Ann Zimmerman at firstname.lastname@example.com and Shelly Banjo at email@example.com
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5-foot-8 Marcus Stroman is the first Blue Jays pitcher to homer since 6-foot-9 Mark Hendrickson
Everything Marcus Stroman does, he does with style. Pitching, dancing, showing off his footwear of choice, it's all a cut above for the Blue Jays right-hander.
In Thursday's 9-0 win over the Braves at SunTrust Park, the Jays shot out to a 6-0 lead in the third inning ... but then the rains came, forcing a delay. Given the inclement weather and the big lead, would Stroman come back out once the rain let up, or would Toronto go to the bullpen?
Well, he came back with authority in the fourth inning. After Luke Maile hit a homer, Stroman hit a dinger of his own off Julio Teheran -- his first career home run:
He felt pretty good about it:
The blast had an exit velocity of 99 mph, too:
Stroman with the bomb!! pic.twitter.com/L3tOAWFzJC- Daren Willman (@darenw) May 19, 2017
This happened to be Stroman's second career hit. The first was just a few weeks ago in St. Louis, a pinch-hit double in the 11th inning. A fun fact about these two hits: Stroman (who stands 5-foot-8) is now the first pitcher in Jays history with two extra-base hits in one season.
As for his homer's spot in team history, you'd have to go back to when Stroman was 12 years old for the last one.
Last #BlueJays pitcher to hit a home run was Mark Hendrickson way back on June 21, 2003.- Gregor Chisholm (@gregorMLB) May 19, 2017
Hendrickson's long ball was also the result of a powerful swing at the plate:
That marks 14 years (and more than a foot of height) between Toronto pitchers going deep, for those keeping score at home.


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Information for Health Professionals
Supportive Care
We provide free professional supportive care to those going through cancer diagnosis and treatment, and their supporters including: psychological support and coping strategies, cancer and service information and community liaison nursing.
Printable/editable referral form
Volunteer Driving
We help people get to their cancer treatment appointments by arranging free volunteer transport.
Printable/editable referral form
We provide free of charge purpose-built accommodation for people having cancer treatment in Auckland and one supporter, if they have been referred by their specialist or local hospital.
Accessing National Travel Assistance funding for accommodation during cancer treatment


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Tashi has taken great care in providing the best quality Tibetan tattoo designs in their refined definition and elegant beauty.
Over 500 unique items have been made available from nearly two decades of dedicated hand created designs.
These beautifully considered and authentic designs can be purchased as high-resolution print-ready digital downloads.
They are organised in four general groups of design: traditional MANTRAS, key WORDS, meaningful PHRASES and decorative iconic SYMBOLS, all in the various Tibetan script styles and orientation, which offer inspiring and affirming options for your personal Tibetan tattoo.
Please make your selection by scrolling the thumbnail images - when clicked on they will be automatically added to your cart ready for checkout.
You will receive an email notification with password when your order is placed and instantly ready for download as a high-resolution 300dpi A4 JPEG document from your account page.
This is set up ready for print so your chosen tattooist can use it as a quality template from which your tattoo is created. The size and scale of the design can be altered by the tattooist, to your specifications, at the time the tattooist makes the transfer copy from the template to the skin.
Image downloads costs from £50 to £80 GBP each.
Please note that these low resolution thumbnail images are for display purposes only. They are often reposted on Pinterest and such, but are not suitable as a tattoo template as they are at such a low unclear resolution.
By not using a purchased high resolution image, the tattoo will be inferior with lack of essential detail, even to the point of being distorted in spelling and meaning.
Only a sharp and coherent full resolution version will provide the tattooist with the required quality to work from, illuminating the design to its true beauty in definition and depth of meaning.
A tattoo is on your skin for life, so why cheat yourself from having the best for yourself?
A purchased tattoo template is not refundable once it is downloaded.
A purchased tattoo template is not refundable once it is downloaded.
Eternal soul. Uchen script
Concerntrate the mind on the present moment. Tsugtung script
Concerntrate the mind on the present moment. Petsug script...
Freedom-Liberation. Drutsa script vertically stacked
Humility. Drutsa script, also use vertical
Integrity-credibility. Tsaugmakhyug script
Sincerity - Pure Intention. Tsugmakhyug script
Green Tara seed syllable Tam. Brushed Uchen script
Free from - separate. Uchen script
Mother. Drutsa script with heading
om. Lantsa Sanskrit, circular cloud design
Karmapa-Chenno. Uchen script
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Online workshops coming soon!
We hear this whole internet thing is supposed to be pretty big these days. If you're interested in Writer's Rock workshops but don't live close enough to make it to one of our hubs, fear not! We've got just the thing for you: Online workshops connecting writers across thousands of miles. With rich, asynchronous video feedback and real human beings commenting on your work, here's one more reason to never leave the house (as if you needed one).


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Yesterday Harlequin delivered an early Christmas present – the cover art for my April Superromance novel, A Place with Briar! Yay! As promised, I'm doing the big cover reveal here at my website. So here for your viewing pleasure is my new cover:
A Place with Briar will be released on April 1, 2014. It is already up for preorder at Amazon. Visit the BOOKS page for more information and stay tuned for the first excerpt from Briar and Cole's story. TGIF!
Amber Leigh


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Why does the disability insurance company request my tax returns?
Disability attorney Stephen Jessup discusses why a disability insurance company will request a claimants tax returns.
The insurance companies are going to ask for your tax returns for a handful of reasons. First and foremost, it's just to make sure you're not working if you're telling them that you are not working. Secondly, they may ask for them and if you have a residual disability claim, that's going to be a basis to determine what your previous ability income was and when it comes into determining what your benefit amount is going to be under that residual disability definition.
Also, they may look on your tax returns and see that you have involvement in other corporations, so they may want to investigate that to really determine what your pre-disability occupation was. Some policy provisions will have it that they will consider every job you're doing. So the tax returns are a way for the insurance companies to fully investigate so they have an idea in their mind of what your job duties were, or in the event of an ERISA group claim, it may be something that you may be able to do for any occupation definition. So there are various different reasons for it, but it's not uncommon that they ask you for your tax returns.
There are 97 opinions so far. Add your comment below.
How many years do you have to give them? If you are collecting SS and you have given them the right to your file, wouldn't that state whether you have been working using your Social Security number? Do I have to send complete taxes with all schedules and attachments? Finally, do I have the right to ask for my complete file with all notes from my LTD Insurance company, prior to submitting this information? I have never been asked for such information before, they have always accepted what I have sent them without challenges. It is Unum.
Claimant 646,
Your Unum disability policy probably gives them the right to request your tax returns. Unum is requesting this information so that they can verify that you have not earned any money from working. You can cross out any information that is not related to you. Unless your claim is denied, Unum will probably not provide a copy of your claim file. It is not unusual for Unum to request your tax returns.
Mr. Dell thank you for your assistance. How many years of taxes can they ask for? I have been on LTD for 10 years and they are asking for all 10 years. I have signed authorizations for them to obtain my SSD file (I receive monthly benefits), wouldn't that have any income made stated? My husband has his own business and as a result of a search which UNUM did online, one of those company information selling has me down as Secretary/Treasurer. I got a letter from his accountant stating that I have never ever been an employee of the company to send to them. Do they have the right to request his company taxes for the past 10 years as well? I am completely stunned by these recent requests. Never have they challenged me before other than the normal 2-3 year papaerwork update.
Claimant 646,
They can ask for 10 years, but it does not mean that they can request an overpayment that goes back more than 5-6 years. If you don't have the documents then just send what you have.
I currently have a LTD claim with UNUM. They recently scheduled a field interview of which I refused unless they could provide my a copy of my contract showing that I was obligated to do a field visit. They did not provide that. They then wanted to do a telephone interview, and I refused that as well. Now, they are requesting tax returns and a copy of my SS file along with a blanket consent for them to check all records.
I have repeatedly asked both my former employer and UNUM for a copy of my contract and policy, and to this date I have received nothing. The last letter said that I could be cancelled for non-compliance if I failed to send tax returns within 30 days. That time frame ends next week. However, I feel that it is my right to be provided with a copy of my policy so that I know what my duties are as the insured. I have extensive medical records that should prove my ongoing illness, yet they have not asked for updated medical records from my doctor. I have no problem sending W-2 records of which I only have UNUM and SS, but I don't feel my husband's income is of their concern. What should I do? Is there a penalty that UNUM could be hit with for not providing a copy of my policy?
Under ERISA, it is your former employer's duty to provide you with a copy of your policy upon written request. I would suggest that you put your request in writing and advise them that it is being made pursuant to Section 1332 of ERISA. Please note that failure to cooperate with requests for information could result in the rendering of an adverse determination on your claim.
If I haven't filed my tax returns and did work the last 2 years, can they deny me? I provided a letter from my accountant as well as a 4506. Also the rep asked if I made over 40K each year? Why is that? in 2011 I did not, but in 2012 I did make over that. Can I be denied by not making the 40K? I asked for a copy asking where in my policy does it state over 40K as well as me providing the other paperwork. So far they have the info requested letter from accountant as well as the 4506. Is that enough? Can I be denied?
Thank You!
Typically, in order to calculate your monthly benefit, the carrier would need financial documentation to verify earnings. It is not uncommon for them to request tax information. As I do not have a copy of your policy to determine what qualifiers there are to benefits, I cannot speak as to your inquiry regarding earning 40k.
I am applying for disability insurance and the underwriters are asking for my last 2 years' full tax returns. I have already provided a W2. Why do they need my tax return if I've already shown them my wages that I'm trying to protect?
In my opinion, if I have outside income – i.e. rental property or other passive income – it shouldn't matter to them because I'm not asking for that to be covered by the policy. Am I wrong or crazy?
It standard for the underwriters to ask for your tax returns. You may be eligible for more coverage than you think based upon some other income. There may also look at your other income to determine what occupation class you should be in. Are you applying for benefits or are you applying to get a policy. The issue with other income is much more complicated when it comes time to apply for benefits as they carrier will look at that income as method to say you have multiple occupations. At the end of the day, most disability carriers will require your tax returns.
I have stocks that I have before my disability. If I sell off some of my shares to aid me, how does that impact my disability income?
Stocks are passive forms of income not typically considered a source of other income that can reduce your benefit. That being said, I would suggest you review your policy to determine how the carrier will treat same.
For what it's worth, my carrier used my passive income (in my case, rental income) to reduce my benefit by the corresponding amount. Of course, that reduced my premium, but was still frustrating.
What if I file my taxes with my wife and I am asked to show tax returns to my disability insurance company? How do I make my wife's information private? Or do I not have a chance?
If your disability insurance carrier is requesting your tax returns I recommend you omit your wife's Social Security number, but it may be difficult to avoid providing her earnings. Regardless, the carrier should only be relying on the amounts attributable to you when determining eligibility for benefits.
I have Occupational Insurance. Do they have a right for my SSDI file from SSA?
If SSDI is an offset under your disability policy then they might have a right to obtain information as it relates to your SSA disability claim. I would suggest you review any authorizations you may have signed allowing release of information. That being said, it is not at all uncommon for a disability carrier to request information from the SSA.
I have been on LTD through Cigna since a July 2009 injury. They have done all of the normal items as far as investigators following us, IME visits and constant requests for medical evaluations and reports. Today we received a letter requesting tax returns for 2010, 2011, 2012 & 2013. This is a new one.
There are a couple of reason this causes concern.
#1 – My wife has a one person owned LLC that goes on our taxes as if it were personal income. It is not filed as business taxes and doesn't specify that it is only earned by my wife.
#2 – In each of those years we exercised stock options with my previous employer and that employer held out taxes and sent us a 1099.
How do we handle the request and are these two items going to be an issue?
Without seeing the information and policy we would not be able to advise you of any liabilities you may have under the policy. Please feel free to contact our office to discuss same in further detail.
My husband had applied for disability through SSA and was denied. He then appealed. Now the SSA is asking him for his W2's and tax returns. We are legally married but not legally separated so we file together. Is this a normal process in the appeals process. We are questioning as to why they want this information?
We are not together as a couple but have not gotten a divorce yet either. He hasn't worked in over a year and a half.
Thank you!
Unfortunately, as our focus is on private disability insurance policies, you will need to consult with an attorney that handles SSDI claims as to your questions.
I have been receiving LTD from Guardian since 2006, offset by my SSDI amounts, and I have coined with every request for APS and all other documentation. Last year they advised me that I would only be reevaluated once a year in October. I gave them the data this past October, and now they called I say they are sending me a functional capacity form, a request for doctor's visit notes, my 2013 tax return, educational and work experience form, and a continuing LTD form. Why the change? Are they looking for a reason to kick me off disability? I have not worked a day since separating from my employer and my condition gets worse every year. I have both physical disabilities and psychiatric diagnoses. Why would there be a sudden flurry of activity? I haven't done anything wrong, but they make a person feel like a criminal with all this snooping and telling me one thing and then doing another. Thanks for your feedback in advance!
Have you recently been assigned to a new claim manager? If so, it would not be uncommon for them to seek updated information ahead of schedule. With respect to what has changed, one can I only guess as to the increased interest. Please feel free to contact our office to discuss your claim in greater detail so we can better advise you.
I am on Unum Long Term Disability. Do I have to report my tax refund as income to Unum?
I have never seen a tax refund be considered income, so you should not have anything to worry about.
I have a long term disability claim with an insurance company. They recently did a field interview and now they are requesting my taxes. My brother is using my name for a couple of business he has due to his bad credit. I file the business tax returns under my name b/c the businesses are under my name, however there is no business income due to losses. I didnt let insurance company know about this. Do I need to worry about anything since there was no actual income and the businesses had losses?
Yes- you very much need to worry as your carrier is more than likely investigating your claim as it thinks you are working. Please feel free to contact our office to discuss your situation in detail.
My mother just passed May 4th we buried her May 9. I took over payments of the insurance policies she was paying on and changed over to my name as one making payments. There's about 10 different people policies (my brothers and sister, my kids). Many of these policies are already paid for.I receive SSI , I haven't worked in years. I only got myself a extra policies because my old one is only for 3000 . So why all the sudden now I'm being asked for a W-9 form? What's would/could the reason be for me to need fill out a W-9?.
I do not understand the nature of the policies you are inquiring about. If any income is being derived from the policy and it is taxable then they request a W-9. Please feel free to contact our office to discuss your situation in greater detail.
If I am married and file taxes separately, can UNUM ask for and would I have to provide them my spouse's Tax Returns?
I don't see how they would be entitled to your wife's taxes as they have nothing to do with you and your income.
Hello. I have been on claim for 20 years under an 'own occupation' policy and have never worked since my disability started. I do have passive income including dividends and rental income. My erisa insurer asking for tax returns for 10 years. There is nothing in the policy regarding this–just a clause saying my payments will end on the date I fail to report my' general income sources' like ss benefits [i have none].
I do not have copies of the requested tax returns. This seems to me to be overreaching and abusive claims management by the insurance company. I would really appreciate your perspective.
Thank you and happy holidays !!!
I have been on LTD for 5 years. I started an LLC a couple of years ago which required significant start up costs and ongoing expenses that impact revenue. The business does not at present make a profit. I elected to pay my wife a salary that was over the salary of what she would have expected in her profession due to the 24/7/365 day need for her to be available and unsocial working hours. As the LLC has revenue and significant expenses how will the private disability company view the fact that I pay my wife and not myself? How do they determine what are reasonable business expenses and what are not? Is the offset negotiable in cases like these?
I am planning on paying myself next year and will declare with the company so they can offset my LTD claim.
The carrier most certainly thinks you have some source of other income that might be an offset under the policy (passive income is not). I would request in writing an explanation as to why they want the information. The will respond in writing, which will confirm what they are up to.
Unfortunately, your fact pattern is too complicated to allow for any meaningful response. Please feel free to contact our office to discuss your situation and what may happen with respect to your claim in light of your policy language.
I receive LTD from UNUM since 2010, and also SSDI. I have a Hobby shop that I repair, clean and work on saddlery & tack. This a hobby for me since I was in my youth. I have a new case manager assigned and she asked me what I do and I told her of this. Their is little or no income received from my hobbies as I explained. The new case manager has requested my Tax information from all years since I began receiving LTD. I've read through the threads and understand the right to request, and what I should do to omit my spouses information.
What if anything, are there clauses that I can go back and collect extra monies from my insurance company and employer for my demise that caused me to be placed under LTD?
I've been seen by all of my Dr's on a semi-annual basis and they still concur that due to my physical and mental suffering brought on by hours worked, traveling, work related stress and hostile,work environment I should be entitled to more. Is there such a potential to do so even after 5 years has passed?
Thank you, Attorney Jessup. I have sent two certified letters asking them why they wanted the information and they refuse to answer. I have also asked both my ex- employer plus the plan administrator by certified letter for my full Plan/ Policy to see what language is in there regarding tax returns, but none has been provided for over three months .
Can they legally refuse to clarify policy provisions and stonewall me as my fiduciary ? Regardless, I recently sent them 3 years worth of tax returns which is all I could find . My monthly check did not arrive yet so we will see……..
Thank you.
Dennis, with respect to your wife's information the only realistic thing you may be able to do is white out her SSDI. Only your W-2 would be needed. Unum is looking to determine if (1) you potentially owe them any money back based on your earnings and (2) will likely review your claim for continued benefits. With respect to any actions you have against your employer you will need to consult with an employment attorney to determine if you have any legal rights.
Tara, there typically aren't situations where a carrier will not clarify a plan provision; however, not being responsive as to the exact nature of a request for information is another story, but generally you can get a general idea. I would also suggest one more certified letter to your former employer requesting a complete copy of the plan document- advise them that the request is being made pursuant to Section 1332 of ERISA and that failure to provide same could result in civil penalty.
I would like to ask if there is a statue of limitation for LTD Insurance Co. to go after your SSI/WC settlement.
I was awarded the max 24 mo. disability for Mental illness. I was told by a person that LTD can only collect for the year I was paid, so if I get paid for 2016 and my SSI/WC claim is settled in 2017 can LTD still collect for 2016 wadges paid from my 2017 settlement? Thanks, Richard
Richard, your carrier could have a right to seek repayment. How long ago did your claim with the carrier end? Are you represented by your own attorney for SSDI?
Attorney Jessup,
Thank you for the quick response! My LTD claim will end Feb. 2017. Yes, I am represented by a SSDI Attorney and WC Attorney. I asked my SSDI attorney and she didn't have an answer to my question. Do I need to seek a LTD Attorney or some other Attorney to get an answer to my question? Thanks, Richard
Richard, any disability insurance attorney would tell you that the carrier would have a right to seek repayment of any benefits paid for SSDI that overlap with a period of time that the carrier was/is paying you. Whether the carrier finds out if you received the benefits after your claim comes to an end is another matter.
Hello. I receive ssdi and ltd via Guardian through age 67 (started 13 years ago). I have Aids and many complications (neuropathy,kidney issues, brain fog, autonomic nerve disease,etc). For the first time in 13 years, Guardian asked for a copy of my tax return. They couldn't say why. I sent returns and am being told claim is good through end of year. Recently I passed out and was transported to ER and admitted for 4 days. Why do they now need to see my return? They withhold taxes, and deduct my ssdi. Concerned. I don't work. Please help? Afraid they are trying to deny my claim.
Ryan, request for tax records may just be Guardian confirming you have no other sources of income that would be deductible under the policy.
Hi I had taken money out of my iRA and didn't know if ERISA considers this as income. And half the money was my money that I put in the IRA. I didn't report this since I filled out my LTD form before doing my taxes for that year. Will there be a penality for not reporting this if it's income? I would plan to repay or would they adjust my payments? Thank you
Ann, you will need to review your policy to determine what the carrier deems to be a source of other income subject to offset. If the money in the IRA stems from benefits originating in your employer's retirement plan it could be an offset that would prompt an overpayment from the carrier.
I have aetna LTD disability and they requested the last two years of my income taxes under suspicion I'm operating a business at home. For 2014 my now ex husbands taxes are included filed jointly. For 2015 my tax consultant wanted me to claim the sales of farm animals I sold off because I was no longer able to take care of them after my divorce. Are they going to use this tax information against me to say I've been working? The taxes show a several thousand dollar loss in profit and I never actually sold any animal or chicken eggs for cash but traded them for hay and help cleaning my house.
Kae, it will certainly lead them to make an inquiry, but if you were not working in furtherance of a business then the likelihood it will be a large problem seems relatively low. Please feel free to contact our office to discuss your claim and review the correspondence/Policy from Aetna.
I receive disability from both SS and MetLife. I receive disability due to a stage 4 diagnosis 9 years ago and the post cancer problems I'm experiencing. I have continually given medical reports but just recently MetLife is asking for my tax returns. I have not worked in any capacity since my cancer diagnosis. However, over the years I have pulled from my retirement plans showing 1099's. Is there a possibility they will consider this as income to cancel my disability? It has been the only way to help pay bills and I bought a home with a lot of it. It was that or pay high rent. Thought that would be a good thing. My only concern is the 1099's from those retirement plans. I have not received any from any types of work. I would appreciate any advice on how I should approach this with them. Currently I am having kidney problems and trying to avoid a transplant or dialysis. My doctor mentioned that it would be foolish for them to cancel on me if I have to end up having to go that route. I'm only 48 and this is so difficult for me.
Tim, if your plan is an employer provided policy, depending on the policy language, the retirement proceeds could be a source of Other Income subject to offsetting your benefit, and potentially resulting in an overpayment. If the retirement benefits are from the employer you received the disability policy from, then it likely is an offset. A possibility to consider is a potential buyout from MetLife- but they will still review for any potential overpayment. Please feel free to contact our office to discuss your claim further.
I own my own business and I'm currently collecting disability from a private insurance company. I'm thinking of selling my business and I want to know if I do sell am I still eligible to collect my benefits? My doctor has told me I can not work for at least a year. Thank you!
Steve, without reviewing your policy we would not be able to determine how the sale of your practice could affect your claim. Please feel free to contact our office to discuss in further detail.
Hello–I am going to refinance my home at a lower interest rate. I was going to get about 10000 extra out because I have two upcoming surgeries and would like to have money to pay towards them instead of going into debt. Will UNUM consider this extra 10000.00 as income and keep it? If they do, I won't be able to meet my mortgage payments etc.
Thank you.
Ella, I have not seen a Unum policy that designates such money as a source of Other Income subject to offsetting your benefit.
I am going on disability due to dementia. My physicians want me to build my memory pathways by learning new hobbies. If I sell these hobbies just to cover material costs will my disability benefits be taken away?
I am receiving long term disability, I was working and providing private insurance company my pay stub which didn't effect my monthly check. When I quit I informed them. I started back at same job, same pay but I didn't inform insurance company, will this be fraud, will I loose my benefits, will I go to jail or pay them back. I screwed up.
Jenny, your benefits may not be taken away but it could be considered earned income and impact the amount of your benefits. Ultimately, it all depends on the language in your policy.
Larry, this likely isn't a situation where there is any criminality rising to fraud, but the insurance carrier is likely due an overpayment based on your work earnings. More than likely if they find out they will be requesting money back if the earnings are such that it impacts your monthly benefit.
Recently the Guardian asked for a copy of my tax return for 2015. I have received benefits fir 20 years now, and I am only 10 years away from reaching age 65. I only recall them asking for my tax return once before, probably 5 years ago or more. I don't have anything to hide, other than the details of my husband's income, employer's deferred investments, and other sensitive financial data which has no relevance to my LTD. They are insisting they have to have all schedules … none of them relates to whether or not I have another source of income, which I don't. I feel it's an invasion of my husband's privacy; I wouldn't mind of I were single & the information only pertained to me. There is yet another new claims administrator, and I feel like he's fishing fpr any reason to discontinue payments.
I vague;y recollect dealing with this issue by authorizing either the IRS or the State of CA to provide all copies of relevant 1099s & W-2s to show whether or not I had additional sources of income, but they are rejecting my suggestion this time around. I realize they probably have the technical right to require my tax return in order to continue payment of my claim, but what possible reason could they have to look at my schedules A & B, etc? My Joint Interest, Dividends, or Deductions really shouldn't affect my eligibility.
I have considered redacting my tax returns so that the only information showing is relevant only to myself, other than showing which schedules and deductions are being taken (but not how much.) The last time I did this, they ended up telling me about the other option, which I mentioned above, where I authorized one of the Tax Authorities to provide only the relevant W-2's and 1099's pertaining to myself, of which there were none except SSDI & LTD.
Am I being unreasonable? If I were running my own business, by some miracle, what would they be looking for on my return? I have never had a business, so I don't know what forms would be relevant.
Juley, it would be strange that they are requesting everything now. Typically insurance carriers will only request tax returns if they have reason to believe that an insured is working. Guardian is a historically reasonable insurance company, I would suggest you contact the in writing in inquire why they are requesting the returns.
For the last 6 months and the coming months I have been pulling funds from my 401 k. Will this offset my insurance payments?
Teresa, many policies exclude 401(k) plans from the list of sources of "Other Income." However, you would need to review your policy to confirm.
I've applied for LTD many months ago and keep getting a request for a Profit Loss report on the first two months of my claim. I became diagnosed with a serious illness and I own my own business. When I was diagnosed, I cut my hours in half and continued to work these first two months until I was unable to work at all on the third month due to treatment. Why would they keep asking for a Profit Loss report for these first two months in order to approve my claim? I've sent them business income reports, and tax returns yet the want to know my losses in a P/L report.
William, if your policy has a residual disability rider, which I assume it does, the Profit and Loss statements are to document the monthly loss of income to compute what percentage of the benefit would be payable under the residual disability rider. Please feel free to contact our office to discuss your claim in greater detail.
My disability insurance is requesting my taxes for 2015-2016 which I have not filed. There is no provision in the policy which requires me to provide this information. Is my right to privacy protected by the constitution??
Beth, although the policy may not explicitly state they can request your tax returns, an insurance company will often request to verify earnings (if the benefit is being paid under a residual disability provision) or to verify that you are not working for profit (which would be a potential offset source).
I have a small business and I solely own 100 percent share of the business, my husband works part time and get paid for the hours he work. We file joint tax every year, he filed for residual disability claim with private disability insurance company in 2015, he has been paid according the profit and loss and how many hours He work.
My question is do they have the right to audit the business financial records and bank account and all related matters to accounting regarding the business even if he is not the one who own it?
Nabulsi, it is questionable based upon how you file your tax returns together. Arguably, no, as he is not an owner of the business so they should not be able to demand your business tax returns. Please feel free to contact our office to discuss your husband's claim in greater detail.
Can they request a copy of your employment contract? I have already given them paystubs, tax returns, job description, productivity data. Now they are requesting a copy of my contract with the hospital ( I am a physician) and I don't see why they need it. They say they want information on my duties and also want information on the termination section. We discussed that I can be terminated if I am on LTD per my contract and they want to read that section. Do I have to give this to them? Or maybe it doesn't really matter one way or the other?
Susan, it is not uncommon at all to request a copy of an employment contract in order to determine occupational duties. Arguably the production reports should make it clear to them, but they may be looking to see if you had administrative duties. Please feel free to contact our office to discuss the request in further detail.
Are Veterans disability benefits used as an offset? It is not listed under other income in my policy. These benefits are not taxable, so I do not normally claim them as income. I do not want to disclose unless required, however, I do not want to have to pay back. Please advise.
Anne, in some cases, yes, but only when the benefit is listed in the policy as a source of other income. The only policy I have really seen offset VA benefits are Reliance Standard policies. If your policy is silent as to VA benefits, I would safely assume there is no offset for them.
My wife has been on disability since 2003. She has acute arthritis which has only gotten worse over the years.(numerous joint surgeries). Her LTD payments come from UNUM and SSDI. That is her only income. We have received requests for information from UNUM every couple of years asking for updates on medical info from her and her doctors. We have always complied with their requests in full. My wife also granted them access to her info at Social Security. Her policy covers her until her 65th birthday which is 16 months away. She has not worked a single day since going on disability.
Now after all these years, in addition to their usual requirements for info they want her to provide MY SS#. I have been retired since 2009. My only source of income is SS, a small pension from a previous employer and a few dollars from some short lived minimum wage part time jobs I've had over the last few years.
I was recently the victim of identity theft and am reluctant to provide them with My SS#. Why do they want/need it??
Robert, did Unum specifically request your SS#, or was the question contained in the context of a claim form? If it is the latter I would ignore it, as there is no reason they should need that to administer her claim.
I am a health care professional with several employees. 7 months ago I experienced an injury to my dominant hand which is essential to the care I provide. My staff all have 30 years experience and can actually perform many of the duties of the practice but unfortunately are not legally allowed to do so. In an effort to maintain the business and see whether my hand would heal, we were able to keep the practice alive. However, now the writing is on the wall and I need to sell the practice and move on. The Disability Insurance company is requesting Profit & Loss statements for the past 7 months. Are they entitled to that information or can I defer providing that until the practice sale which is 1 month away. They seem bent on the stance there is a residual disability versus a total disability. Likely they want to suggest that since the practice was "open" for 7 month, it can continue doing so. Has maintaining the practice (albeit ethically questionable) confused the situation beyond recovery?
Sam, they can request the P & L's for any residual claim. Since you were still operating at the time and not totally disabled they will want to see those statements to determine whether or not your business was losing money due to your disability. It also depends on how your policy defines total disability vs residual disability. It is best if you have your policy reviewed by an attorney to determine what your rights are. Feel free to call my office and ask for me. I can provide you with a free consultation.
I received a letter from The Lucens Group who say they are a designated representative of my long-term disability insurance company UNUM. The letter states they are conducting a routine review of the status of my Social Security benefits. I also receive social security disability and am 54 years old. The Lucens Group sent along an authorization form for me to sign that gives them full access to my Social Security file. When I search The Lucens Group online it appears that they are a company that tries to settle disability claims by making one-time payment offers. I don't know if I should turn over my Social Security file to them? I have nothing to hide but I don't trust insurance companies. What should I do?
It does not sound right to me. I would call Unum and find out if they are they have asked Lucens to contact you about your Social Security claim. I have a feeling they did not. Don't send anything to them unless Unum asks you to in writing.
My wife and I own a farming business and both are listed on the business licence. We just started the business in the fall of 2015 and have operated at a significant loss for every year since due to equipment and livestock purchases. I was also employed and working at second profession and was totally disabled in June 2016 due to an on the job accident. I have Mutual of Omaha LTD and filed a claim soon after and it was accepted. I have been receiving benefits for last quarter of 2016, 2017, and so far in 2018. On my claim form they asked me to report any other income other than what my regular W2, 1099R etc… reflected and I just assumed since the farm had no income it was not included. (There has also been less than $1000 in sales to reflect which was eaten up by the loss.) Mutual of Omaha has mentioned they may want me to send my 2017 taxes. This is the first time tax returns have been mentioned. How might this effect my claim? My wife has equal ownership and financial responsibilities and since I am now unable, she has been trying to keep the farm up until we can figure something out. It never crossed my mind as a issue until I researched it and found that insurance companies could possibly nit pic about these sort of issues. How might I prove that I have not been "working" the farm if it comes up?
Patrick, it will depend largely on the language of your disability policy, and how the proceeds from the farm are reported for income tax purposes. If you have not been working on the farm, which you indicate you have not, then it will come down to simply advising them that your wife handles the business. The bigger issue would be how Mutual of Omaha will review "income" under the policy. Please feel free to contact our office to discuss your situation in greater detail.
I have a personal long term disability policy through Northwestern. I have been out of work since October, 2017, and receiving disability since December, 2017. I have sent them all paystubs, and pension statements. I complete monthly forms to request a continuation of benefits, and I have had my doctors complete an "Attending Physician's Statement" twice over this time period. About a two months ago, I received a letter stating that I did not have to continue filling out the monthly requests. Yesterday, I received a letter requesting my 2017 tax returns (all pages-schedules, etc.). I wonder why they would ask for the return now? Also, is Northwestern entitled to all the pages and schedules? I totally rely on my disability checks for everything, and I am afraid that they may use my tax returns (which totally verify what I have sent them) to decrease my benefits.
Sue, Northwestern is entitled to information necessary to properly administer your disability claim and that can include all pages, schedules and attachments to your tax returns. If your tax returns are consistent with what you have been reporting to Northwestern then you should not have anything to worry about.
I am 63 years old. I was approved for "own occupation", and have been on LTD since April of 2017 for depression, anxiety, fibromyalgia and multiple chemical sensitivities. The insurance company now wants more medical info, etc. to determine if they will continue to pay me for "any occupation". Before I went on disability, in 2016, I had asked my employer for "accommodation" for the MCS, because the "chemicals" exacerbated my anxiety and depression. Without proper accommodation, my symptoms became worse and worse, so my Union filed a grievance. The fact that I can no longer work, having a grievance with my employer and having to go on LTD has been extremely stressful for me. Just last month, in September, I finally met with my employer and union to try to settle the grievance. I was given a small amount of compensation for my suffering, but ultimately, no accommodation will be forthcoming and I can no longer work at that job. I am still considered to be an employee on LTD. Over the past year, I have often discussed this workplace grievance with my doctors. I am concerned that the insurance company will want to know about this "settlement" and will try to take this small amount of money from me. Can they do that? Can the insurance company take the money the employer gave me in lieu of accommodation? Thank you.
Charlotte, I am sorry to hear about the difficulties you are having. You would need to check your policy language under the "other income" section to see if the insurance company is permitted to take an offset for this payment. It depends what the payment was given for and whether your policy permits it.
Hi. I have been on long term disability for nearly ten years. I rent out two of my rooms on Airbnb to supreme my income. My SSDI and prudential disability payments are not enough for me to pay my bills. Mortgage, property taxes insurances etc. My partner maintains the physical espect of the business or cleaning, laundry bed making etc. as I cannot. I have not told Prudential about this as I was told it came under 'soft income'. That does not need to be reported. Plus I don't want any problems with my long term disability. I really don't have any alternative as far as finances go. Could this create a problem for me. They haven't requested any tax returns as of yet, but after reading some of the comments on here, it's probably only a matter of time before they do.
Roger, this could be a complicated situation and depends on a number of variables and factors. I suggest you contact our office and speak with one of the attorneys to address your specific questions regarding your situation.
What do it mean when a insurance company say they need to verify your income?
Can they get your information from IRS ?
Thank you,
Tina, they can only get your tax returns if you sign a release. Otherwise you can send them your W-2 and your tax returns so they can verify your income. Your employer can also provide that information.
Hi. I got married this year, my wife and I filled separate tax returns. I have not informed my long term disability with Prudential of my marital status as I'm worried that it might affect my payments. They have never up asked for my taxes. Do I need to inform them of my marriage by law?
Peter, unless you are on SSDI and your wife ends up getting a dependent SSDI benefit due to your disability, then the carrier is really not in a position to need to know you got married. That being said, if the question is asked directly we would not recommend being untruthful. You being married will not affect the administration of your policy with the exception of the SSDI issue.
If I filed a lawsuit against a insurance company, are they allowed to request additional information if it's under ERISA Law?
Nikki, not unless they have reopened your claim at the administrative level or the Court has ordered them to do so. Generally, the administrative record closes for both the insured and the insurance company after the final denial of your administrative appeals.
I am a physician and began receiving private, soc sec, and employer disability due to cancer in March of 2018. I have complied with all requests for documentation. I have recently earned a few checks (less than $800 each) for being an expert witness in a malpractice case, which I reported to the private carrier. No other income other than previous employer disability, passive rental income and ss disability, which was reported to the carriers. I have received a request, from the private carrier, MassMutual, for my tax returns going back to 2012. They even sent a pre-filled out IRS release form for all returns going back to 2012 and are willing to pay for it. Why would they want them so far back and should I comply? I am suspicious of their motivation. They asked for a minimum of two consecutive years. I feel I should (reluctantly) provide 2018 and 2017 only.
Steve, I will email you as I think it would be best if we speak about this in detail. Mass Mutual is trying to get a handle on all the income you have earned over the past 7 years and whether you currently have the loss of income required to pay your benefits under the terms of their policy. Rachel Alters, Esq.
My wife has been receiving disability claim for almost 3 years now from Manulife. When first applying she was asked to provide tax returns and go thru multiple interviews which resulted in getting approved and begin to receive a monthly income. I think in the past when they asked for my wife return we did not provide any tax returns as she had zero income. They have this year asked for a tax return for the 2018 period in order to reconcile their accounts. I file my return jointly to claim my wife but I do not feel comfortable providing my return. What resources, if any, do the insurance providers have to obtain access to our or my tax returns?
Osa, if your wife signed an authorization allowing them to collect tax information that is one avenue. Manulife services Canada, and since we only handle disability claims in the United States, I am not sure if there are different protocol/rules in Canada for the ability to gather such information. I would recommend you consult with a Canadian disability attorney to see what your options are.


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24 June 2011
*The Essentials Of Cool*: Jean Grae - Cookies Or Comas Mixtape
I may do a small review on this one...regardless, it has been Nifty Certified for maximum coppage! Get this mixtape!
*The Essentials Of Cool*: Jean Grae - Cookies Or Comas Mixtape
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13 June 2011
Review: Tech N9ne, "All 6's And 7's"
Who is Tech N9ne? If you're a casual listener of rap and hip-hop, then you've probably never heard him on the radio. If you're a steady hip-hop fan, then you think he is some crazy, demented hip-hop horror-core artist, and if you're a hardcore hip-hop head...well, you STILL think he is a demented hip-hop horror-core artist, lol.
At least, that's what *I* thought until a week ago. Tech was getting a lot of play and airtime on www.HipHopDX.com and I peeped two songs ("Worldwide Choppers" and "He's A Mental Giant"). "Worldwide Choppers" geeked me out, no lie. I played it 5 times in a row, amazed at the lineup (Yelawolf, Busta Rhymes and Twista, to name a few), the skill displayed on the seat, the beat (which hits REALLY hard in a vehicle) and the fact that this was...a Tech N9ne song?
All I knew about Tech was that he had what seemed like a million records (ten in an eleven year span, to be exact) and that he wasn't in "the norm" as far as other rap acts were concerned. I was pleasantly schooled when I copped "All 6's And 7's." It's rare, but I can say that there is not one track on this entire album that I do not like, skits excluded.
From the popping buildup "Am I A Psycho?" with B.o.B. (who impressed me with his offering) to the introspective "Love Me Tomorrow," Tech covers a gambit of topics while remaining true to who he is. He doesn't get too sappy, even on his tribute "Mama Nem," making sure to continue to bring a bounce to your neck. I'm impressed, and after tracks like "I Love Music" I can see why he has a steady fan base.
I'll never pigeon-hole this man again, a topic that he covers on his album with "Cult Leader," refusing to be labeled as hip-hop's Jim Jones (the cult leader) or David Koresh. I suggest that you cop this album. The topics are varied, the beats are bangers, and the world deserves to know more about this artist. It may seem a little daunting at over an hour in length, but it is time well spent, believe me.
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The Niftian
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Welcome to THE SUNDAY NIGHT DEVIANT DOUBLE FEATURE where we feature TWO awesome genre films for the price of none!
We started this little thing in an effort to recapture that classic feeling from the old Creature Double Feature shows from the 80's. Tonight, we have a little holiday treat for you!
Some of the best horror films take place around the Christmas season. Gremlins, Silent Night Deadly Night and Black Christmas are some great examples of holiday horror films. But, how about some of the lesser known ones? Why don't those films ever get any love. Well, tonight...we dug up some fun, gory and creepy Christmas films that we happen to love.
So, here now for your viewing pleasure are Santa's Slay and Rare Exports: A Christmas Tale for your Deviant viewing pleasure. Please enjoy...
Come back next week for a new installment of THE DEVIANT DOUBLE FEATURE!
Thanks for watching!


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text: We are excited to once again be participating in the Read to Succeed program. With this program students in K5-6th grade can earn a free ticket to Six Flags America by just reading for 6 hours! Attached below are a letter with the details of this program and the reading log that will need to be returned to Mrs. Britton or the Main Office by February 24th. ReadToSucceed_Parent_Letter_20132014(1)


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