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Katharine Ross: Daughter Attacked Me with Scissors #actor, #roles, #crime # # #courts, #crime


Katharine Ross: Daughter Attacked Me with Scissors

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Actress Katharine Ross has obtained a restraining order against her daughter, Cleo Rose Elliott, after the young woman repeatedly stabbed her in the arm with scissors, according to court documents.

Ross who is married to actor Sam Elliott is best known for her roles in iconic films such as The Graduate and Butch Cassidy and the Sundance Kid. Now 71, Ross writes in the restraining order that Cleo, 26, verbally and emotionally abused me even as a little girl but became increasingly violent at age 12 or 13, and that the problem came to a head earlier this year.

On March 2, Cleo lost her temper, told her mother, I want to kill you, kicked in a cupboard door in the kitchen and then followed her mother around the house, the court documents state.

Ross says that when she picked up the phone to call police, Cleo cut the phone line with scissors, threatened to poke her in the eye with the scissors and then stabbed her six times in the right arm, using enough force to pierce my skin through my shirt and leave me with marks that are still visible today.

It s unclear what may have instigated the incident. Ross filed the protective order on March 8 without an attorney. Her spokesman tells PEOPLE he s unfamiliar with the documents and that Ross has no comment.

Until a hearing in the matter on March 30 in Santa Monica, Cleo is ordered to stay at least 100 yards from her mother s home, car and workplace and to not try to contact her. The documents additionally state that if Cleo needs to come by the family s Pacific Coast Highway home for any of her belongings, police officers need to be present.

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  • Disability Insurance Underwriting Requirements #disability #insurance #for #dentists, #individual #disability #insurance #underwriting


    Ten years ago if you read the words own-occupation on a disability insurance proposal, you could feel comfortable that the policy being proposed to you truly was the best definition of total disability available in the industry. Today, that is just not the case, buyer beware!

    This is the one issue that upsets me the most about this industry. There is no regulation regarding the various terms used in individual long term disability insurance policies. The own-occupation definition in one carrier’s contract is not the same as the own-occupation definition in another carrier’s contract. The consumer, who should not be expected to read the different definitions in various contracts may be left with a contract, which they believe to be own-occupation and is in-fact a modified own-occupation policy.

    Ten years ago carriers that offered own-occupation disability insurance policies had one definition of total disability. Everybody was marketing the same own-occupation definition and the consumer was not responsible for verifying what was being sold to them. Ten years ago, the definition went something like this:

    Because of sickness or injury you are unable to perform the material and substantial duties of your regular occupation. We will consider you to be totally disabled even if you are at work in some other capacity, so long as the disability prevents you from performing your original occupation

    What Is Different Now?

    The main problem now is insurance companies actually using the words own-occupation on disability insurance proposals, when they know that their policy is not a pure own-occupation policy. This problem is actually a very large problem. Not only are major insurance carriers guilty of this, but the problem has penetrated into major professional associations. Associations that membership depends on to obtain the best possible coverage are now marketing disability insurance policies with the words own-occupation on their marketing material when the actual policy is anything but the own-occupation disability insurance sold by everybody just ten years ago. It is as though some insurance carriers consciously said, we can’t afford to offer such a quality definition of total disability, so let’s offer a more restrictive definition of total disability and just call it own-occ. I see physicians, dentists, and other professionals on a daily basis with proposals from associations and other insurance carriers with the words own-occupation on the marketing material and proposal. They argue with me daily saying that the proposal they have is also own-occupation , until I show them the actual definition of total disability in the physical policy.

    Ten years ago many insurance companies decided to stop selling individual disability insurance because they were not doing well in the market, and some carriers went out of business all together. Many of the carriers that decided to stay in the disability insurance business had a complete product overhaul, and moved away from the own-occupation disability insurance product in favor of an income replacement product line. Very few insurance carriers stayed in the pure own-occupation disability insurance business, but it is important to understand that some insurance companies did stay in this product line, and continue to do so very well.

    The fall-out has taken place, and now many carriers are ready to start making serious strides in the disability insurance industry once again. The mergers have all been completed with (Guardian and Berkshire), (Unum, Paul Revere, and Provident), and (Mass Mutual and Connecticut Mutual). The problem is that certain carriers made a conscious decision to start marketing own-occupation once again even though they changed their definition of own-occupation drastically. While an insurance company like Berkshire Life Insurance Company of America still offers a pure own-occupation contract, the same definition from ten years ago, some carriers now have the words own-occupation on their proposals with a definition that is anything but what the industry had come to know as the definition for it over the previous forty years.

    What many carriers are now marketing as own-occupation, in reality is an income replacement contract. Own-occupation should mean that if you are unable to perform the material and substantial duties of your regular occupation, the insurance company will pay you even if you are able to perform some other occupation. The new, what I believe to be deceptive, modified own-occ contract has the words so long as you are not engaged in any other occupation tacked onto the end of the definition of total disability. This means if you go on claim, and begin working in an entirely different occupation, the insurance company is going to reduce your disability benefits accordingly (possibly even ending the claim).

    What Can The Consumer Do To Check?

    Understand that the words own-occupation should not be taken for granted. Because these words are physically on a proposal does not mean that you are reviewing the best definition of total disability available. In order to make sure that you are receiving the best definition of total disability make sure that the definition of total disability matches the definition listed at the beginning of this article. If the words any other occupation , or gainful occupation are anywhere in your definition of total disability, you may want to make sure that you are not eligible for a pure own-occupation contract elsewhere.

    Is own-occupation the most important feature of a disability insurance policy? My answer to this question is NO. There are certain occupations that may not be eligible for a pure own-occupation contract with any company. There are also certain occupations that may only be eligible for a 5-year pure own-occupation policy, with a modified own-occ thereafter with one company, but pure own-occupation to 65 with another. If you went on own-occupation alone, then one may make a mistake in this scenario. Review this entire site, you will see that the residual, waiver of elimination period, exclusions, and optional riders all mean quite a bit.

    Don’t make your decision on own-occupation alone, there is a lot to understand in a disability insurance policy. But understand that just because the words are on a quote, it does not mean that you actually have what you think you do. Unfortunately many companies have decided to change the rules without telling everybody, and they are in my opinion attempting to deceive the consumer by allowing them to believe they are purchasing a good old fashioned own-occ policy when in fact they may not be. A real own-occupation policy may be available to you, ask the question of your insurance agent, Is this a pure own-occupation contract to age 65, or is this a modified own-occupation policy that offsets for other income during a claim?

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    Roth IRAs #individual #roth #ira


    How Roth IRAs Work

    Have you ever wondered if you’re saving enough of your income today to enjoy your golden years of retirement? There are many ways for Americans to save more for retirement besides simply stashing away extra cash into a savings account — and who has extra cash, anyway?

    Retirement programs established by employers are an extremely popular way to save, but there are other alternatives available to subsidize the income generated from an employer’s pension plan or Social Security. Unfortunately, funds from pension plans and Social Security alone are rarely enough to grant you the lifestyle in retirement that you may be used to today. Figure out how much you can expect to earn from Social Security when you retire by checking out this retirement calculator .

    Keep Reading Below

    While there are many different options for investing for your retirement, individual retirement accounts (IRAs) are a popular choice. There are several different types of IRAs:

    • Employment: Employers have the option to set up IRAs for their employees.
    • Marriage. Married taxpayers may set up IRAs for their spouses.
    • Inheritance: IRAs can be inherited from deceased benefactors, and IRAs can be structured strictly to cover the costs of higher education.

    We’re going to look specifically at how Roth IRAs work. Fortunately, Roth IRAs include many of the benefits offered in all of these varying types of individual retirement accounts. Before we dive in, let’s get familiar with some key words:

    • Contribution. the amount of money you personally invest in a Roth IRA
    • Earnings. money you, the contributor, earn on your investments
    • Heir. a person you designate in your will to receive property when you die
    • Profit. the return you make on your investment

    A Roth IRA is similar to a savings account, but unlike a savings account, you invest this money to generate a sizable profit. That profit is then reinvested in the Roth IRA until the maturity date of the account. Because you invest your money into a Roth IRA after taxes, you don’t have to pay taxes on the earnings upon withdrawal of the funds at or after the maturity date. This is different from other types of IRAs, 401(k). or 403(b) where you will pay taxes when you withdraw funds. Roth IRAs offer flexibility to the contributor, as funds can be withdrawn prior to maturity without being penalized, (once you meet certain criteria).

    Read on to learn more about the history, qualifications, investment options and restrictions of Roth IRAs.

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    a data-track-gtm Byline href http www.howstuffworks.com hsw-contact.htm Francie Adkins a How Roth IRAs Work 12 May 2008. br HowStuffWorks.com. lt http money.howstuffworks.com personal-finance retirement-planning roth-ira.htm gt 1 August 2017″ href=”#”>Citation Date

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