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Your group insurance at work does provide a vital safety net should a disability prevent you from earning a living. But, many plans have certain _restrictions or exceptions. and may only provide protection from total disability (as defined by the policy). importantly, what is not covered can save you from the potentially devastating effects of an accident or serious illness. But all benefits are not created equal â€" especially when it comes to your group longâ€"term disability coverage â€" and knowing what is covered and. most importantly, what is not E:nplun-r or coâ€"pay employment benefits can provide significant ('llhull('l'l"k’lll\ to your over all income, retirement tund savings potential and med iwal health care coverage Does your plan provide enough protection? We are celebrating all week with daily sales Drop in or visit our website for special detaits. "Labour Day Sale" Aug.28 â€" Sept. Ind This is a great time to stock up on baby‘s essentials! Monday â€" $10.00 Off Cases of Diapers www.diapersnmore.ca All your baby‘s needs in one place Having Trouble Making Sense of Weight Loss Diet and Exercise Advice? Making Sense of Weight Loss, Diets and Weight Loss Programs ww Agmissiqn By Russ McEachaie hor The Chromicle 7 00pm . August 28. 2006 _ Waterioo Memonal Recreation Complex. Kiwanis Room All are welcome Enroliment is hmited please reqister at v healthyweights ca or by emailing drew@healthyweights ca is $5 00 or free with a donation to the region of Waterioo Food Bank iapers n More You are NOT alone. www.HealthyWeights.ca Drew Harvey M.Sc. CSEPâ€"PPFC UW and WLU Lecturer and Founder of Between Columbia & Weber Waterloo 519â€"886â€"2786 presenting 380 King St. N. For example, if your plan covers only a total disability â€" meaning you are unable to perform the duties of your regular occupation and are not engaged in any gainâ€" ful occupation â€" with no provision for a partial disâ€" ability, you could lose all your disability benefits if your doctor clears you to return to work for a limited * The most important part of any disability insur ance contract is the definiâ€" tion of "disability." Understand your plan Whether your disability plan is through your employer. a professional organization or purchased directly from an insurer, here are some ways you can identify gaps, exclusions or restrictions: If that‘s the case with your plan â€" and it probably is â€" you should also considâ€" er individually owned disâ€" ability insurance. The Buskers aren‘t the only ones ‘"bringing it to the streets"! At participat shops and services you will find some "sizzling sales"! UpTown Waterloo sponsors of this event, so while enjoying the Waterloo Busker Carnival we invite you to browse the core and take a look at the J f exciting changes happening in UpTown Waterloo! FREE entertainment for the whole family. wATERLOO BUSKER CARNIVAL SIDEWALE sALE * If you‘re in a group plan and your employer pays a portion of your premiums, * Most plans cover 70 per cent of income or less. But even that can be misleading because those payments can be capped at a certain amount or coverage may be provided only for a limited period. * Some plans exclude certain illnesses or condiâ€" tions and most exclude existing medical conditions. + Many plans have an elimination period â€" the period of time before bene fits kick in. Usually, the shorter the period, the high er your premiums. number of hours each day. As well, group disability benefits often cease after two years if you can perform the duties of any gainful occupation for which you are suited, based on your education and experience Visit 2006 A4 2.0 Quattro Brilliant Black/Ebony Leather 6â€"Speed Manual Transmission, P.Sunroof, Premium Package, Technology Package, Cold Weather Package. Stk#A49015 Suggested Retail $49,185 Sale Price $44,685 2006 A4 2.0 Wagon Quattro Quartz Grey/Ebony Leather Automatic Transmission, P.Sunroof, Premium Package, Cold Weather Package. Stk#A42916 Suggested Retail $50,125 Sale Price $45,633 2006 A4 2.0 Quattro Light Silver/Ebony Leather Automatic Transmission, P.Sunroof, Premium Package Cold Weather Package. Stk#A40007 Suggested Retail $48,675 Sale Price $44,345 2006 A4 2.0T Quattro Light Silver/Ebony Leather 6â€"Speed Manual Transmission, P.Sunroof, Premium Package Cold Weather Package. Stk#A43857 Suggested Retail $47,245 Sale Price $43,065 *Prices incude Freight,PD1 & Dealer charges but exclude applicable taxes and licensing. Prices are valid for regular financing only. Must take delivery by August 31st, 2006. See dealer for details. Aud us today and take advantage of exceptional savings on our remaining 2006 models Crosby Audi 2006 Model Sales Event August 23rd â€" August 27th bringing it to the streets" At participating UpTown Waterloo Fill in the gaps If your group plan is limâ€" ited, consider individual coverage to fill in the gaps based on how much you can comfortably afford. It doesâ€" n‘t matter if you‘re single, married or selfâ€"employed, comprehensive disability insurance is a must to ensure you or your family will not suffer financially if you can‘t work. For more information contact Russ McEachnie a 886â€"2360 ext 241. * And don‘t forget that your group plan is linked to your employment so you could find yourself with inadequate or zero coverage when you change jobs. any benefits you receive are subject to income tax. When you pay the premiums, there are usually no tax conâ€" sequences on proceeds paid to you "! UpTown Waterloo businesses are proud e af www.crosbyaudi.com 1175 Weber St. East, Kitchener 519â€"894â€"9300 2006 A6 3.2 Quattro Light Silver/Ebony Leather Automatic Transmission, P.Sunroof, Premium Package Cold Weather Package. Stk#A61652 Suggested Retail $69,915 Sale Price $62,675 2006 A4 1.8T Cabriolet Light Silver/Ebony Leather Automatic CVT Transmission, Premium Package, Bluetooth, Heated Front & Rear Seats. Stk#A49621 Suggested Retail $59,875 Sale Price $54,975 2006 A4 2.0T Wagon Quattro Light Silver/Ebony Leather Automatic Transmission, P.Sunroof, Premium Package, Technology Package, Cold Weather Package. Stk#A47388 Suggested Retail $51,980 Sale Price $47,350 www.waterloochronicle.ca Plus ten Demonstrator vehicles in stock to choose from! 519â€"885â€"1921 cash transactions or