The much-anticipated summer television show “Grand Hotel” promises a lot of sexy secrets, unsolved mysteries and dramatic plot twists, all while portraying Latinos in positions of power in front and behind the camera.
“When you do a show like this, you are not only showcasing Latinos in a mainstream way, which is evident and it’s beautiful in itself, but you’re also showing the reality of the times we’re living in right now,” actor Shalim Ortiz, who plays Mateo, the hotel’s manager and one of the drama’s main characters, told NBC News of the ABC drama. “Especially in Miami Beach, Latinos are in positions of power.”
“Grand Hotel” is based on the successful Spanish television show “Gran Hotel” set in the 1900s. But executive producer Eva Longoria’s version centers around the last family-owned hotel in modern-day Miami.
“Eva is one of the advocates of how now you can be the hotel manager, you can be in a position of power, and also just be a character who happens to be Latino, just like you happen to be American,” Ortiz said in regards to Longoria’s push to redefine how Latinos are portrayed on TV.
Longoria also directs episode three and plays the hotel’s former owner, Beatriz Mendoza.
“It’s amazing as a spectator and as a cast member to be a part of a project that includes Latin characters in different job positions,” he added, “it’s not always the stereotypical jobs that we’ve been getting all these years.”
The mystery drama stars Mexican actor Demián Bichir as Santiago Mendoza, the charismatic owner of the Riviera Grand Hotel, and Puerto Rican actress Roselyn Sánchez, who plays his glamorous second wife, Gigi. As the couple and their adult children enjoy the spoils of success, outrageous scandals, escalating debt and explosive secrets shake up their picture-perfect lives.
“They’re not conventional heroes because everybody has something to hide and everybody has something that has leverage over someone else. That game of power, I think, is one of the delicious parts of the show,” Ortiz said.
Continue on to NBC News to read the complete article.
From the Producers of “The Conjuring” Universe, the timeless, terrifying legend comes to life. Ignoring the warning of a troubled mother, a social worker and her small kids are soon terrorized by La Llorona. Their only hope to survive may be a former priest’s mystic practices. Click to see more!
Israel “Izzy” Battres owns multi-million-dollar construction company Battres Construction in the heart of Orange County, California. But it did not come easily for him—he learned how to work hard at a young age, and it paid off.
Eight years ago, his reputation and impeccable work ethic opened doors for him to star on the HGTV reality show Flip or Flop. He has worked alongside Tarek El Moussa and Christina Anstead for eight seasons and is ramping up for more. Battres is set to appear on the network’s new show, Christina on the Coast, premiering this month.
HISPANIC Network Magazine caught up with Izzy to talk about his journey from day laborer to HGTV star, as well as his secret to success.
HISPANIC Network Magazine (HNM): You run a very successful construction company. Where did you get your work ethic?
Izzy Battres (IB): As children, we were taught to be contributors to our household. My dad would take us to work and assign us two small tasks. When I was 9, I was a paper boy for the Orange County Register. I would wake up Sunday mornings at 4 am to deliver to my customers. I was even entrusted to pick up monthly subscription fees—it taught me sales and what I know now is accounts payable. I realized quickly that I was only getting a portion of the fees so it gave me the idea to make my own money, I started a second job that was more of a side hustle.
HNM: At the age of 9, you were working two jobs! Tell us more about that.
IB: My grandmother used to pick lemons from her tree and have me sell them for 25 cents; she would then give me a small cut. After I was done working for her, I would go pick my own lemons off the same tree. But instead of selling them for a quarter, I decided to make lemonade and sell it for 50 cents a cup. I would sell it to people playing soccer at the park by my house.
HNM: So, you were an entrepreneur from a very young age. Let’s fast-forward to the start of your business. How did it come to be?
IB: I have two brothers, and we all followed my dad into the construction trades. If my current boss had no work for me, I would stand in front of Home Depot looking for day labor. We never had a problem with working hard, but sometimes there wasn’t enough work to go around. I decided to start a business so I would be more in control of the workflow. Instead of working on someone else’s construction site, I decided to bid for my own jobs.
HNM: Ten years later, you are now on television and own three companies. How would you say you became so successful?
IB: I believe we as Latinos have a natural instinct to survive. It develops at a very young age when we begin to understand that nothing will be handed to us. I learned very young that whatever I earned was to be used to help my family and community. Today, I employ 43 local families—I have a responsibility to make a difference for others.
HNM: Can you expand on what you call an “instinct to survive?”
IB: Latinos are very hard workers; they are innovative and passionate about what they do and have a stellar work ethic. But even then, they have to stay on the cutting edge. Eight out of ten workers are going to stay average, but I look for the 20 percent who are fighting to survive and have the “eye of the tiger,” as I call it. I employ anybody who has that motivation. Whether they are purple or polka dot, race does not matter to me, but that survival instinct does.
HNM: How does your ability to speak English and Spanish help you as a business owner?
IB: In my geographical area, 80 percent of the construction workforce is Spanish speaking. It can be a barrier, so I try and help them by speaking Spanish on the job sites. I will also make it a point to speak Spanish to my work crew when we are filming the TV show. I always want to put out a positive image and help keep Latinos on the map.
HNM: What advice would you give a young Latino entrepreneur who is starting his own business?
IB: I would tell them to never let the environment dictate your success. People will read into your mentality about life, and that creates a culture in your business. So, you need to stay away from toxic people and conduct business with gentleness and humility. Don’t be arrogant or prideful, because people will read into that.
Sure, we’d all love to be jet-setting around the world, living out the summer travel fantasies that are only attainable for influencers with all their expenses paid and the 0.000001%. But more likely, you’re stuck behind a desk, aggressively swiping through your friends’ vacation Insta stories.
If you get creative, there are definitely ways to make your summer in an office less of a soul-sucking, cubicleland-locked nightmare. But sometimes you just need to be (mentally) where the Coronas are. And that’s where planning a virtual vacation comes in.
It’s an online oasis, a digital escape — whatever you call it, whisk yourself away through world wide web and sail to far-off destinations that are only a click away.
So shove your luggage back in the closet, toss out that tube of sunscreen, and secure your place on the couch. Let us give you the best options for your digital getaway. You can even wear that socks-with-sandals combo from the comfort of your own home — don’t worry, we won’t judge.
1. Go on a virtual destination experience
Trekking across the globe from your own home has never been easier — everyone from big tech companies, to resorts and airlines have been utilizing the latest in VR and 360-filming technology to capture immersive vacation experiences. You can get a birds-eye view of bustling cities, or get up close and personal with undersea life.
You can also use an app like Ascape, which describes itself as “the #1 travel agency for virtual reality trips.” The app hosts a multitude of 360 scenic virtual video and photo tours, with plenty of international options.
While Kayak.com may have played off this concept for an April Fool’s Day joke, we’re getting seriously close to Star Trek simulation room-levels of travel immersion. Okay, maybe not — but it’s still a step up from your average nature documentary.
2. Ride a theme park ride on YouTube
Let’s face it, the land of magic that Mickey Mouse built is overcrowded and expensive. Other big amusement parks are no different — so unless you want to personally reenact the Harry Potter ride 10-hour line debacle, there are other ways to beat the system.
Several dedicated theme park YouTube accounts have amassed a loyal following of serial park-goers and average Joes-alike, which make up a community known loosely as “Theme Park Tube.” The most famous of which is Defunctland, which shares the history of rides no longer in operation. But if you’d rather to strap yourself into the front seat of park attractions, we’ve got you covered.
Much like mall kiosks and VR “experiences” of yore, the ever-popular rollercoaster simulation has had new life breathed into it by first-person, ride-through videos. But these perspectives also act both as a way to experience rides from international parks and as a historical record of the aforementioned defunct attractions.
3. Check out adorable live zoo feeds
What does everyone need more of in their life? Adorable animals, that’s what! But if you’ve already exhausted the millions of cat videos on YouTube (which, how is that even possible?), there’s a more organic option.
A whole host of zoos already offer live cams and feeds to various habitats of their animals online. Love elephants? Check out the Houston Zoo’s Elephant Yard cam. Want to follow some pandas around and watch them do nothing? Smithsonian National Zoo’s Giant Panda Cam has got you covered.
We can’t guarantee that any of these creatures will do anything interesting when you tune in, but most of them run 24/7, so you’re bound to catch some animal tomfoolery at some point.
Continue on to Mashable to read the complete article.
Google is pleased to announce the addition of 6 new media literacy activities to the 2019 edition of Be Internet Awesome. Designed to help kids analyze and evaluate media as they navigate the Internet, the new lessons address educators’ growing interest in teaching media literacy.
They were developed in collaboration with Anne Collier, executive director of The Net Safety Collaborative, and Faith Rogow, PhD, co-author of The Teacher’s Guide to Media Literacy and a co-founder of the National Association for Media Literacy Education. Because media literacy is essential to safety and citizenship in the digital age, the news lessons complement Be Internet Awesome ’s digital safety and citizenship topics.
Overview of new activities:
1. Share with Care: That’s not what I meant!
● Overview: Students will learn the importance of asking the question: “How might others interpret what I share?” They’ll learn to read visual cues people use to communicate information about themselves and to draw conclusions about others.
2. Share with Care: Frame it
● Overview: Students will learn to see themselves as media creators. They’ll understand that media makers make choices about what to show and what to keep outside the frame. They’ll apply the concept of framing to understand the difference between what to make visible and public online and what to keep “invisible.”
3. Don’t Fall for Fake: Is that really true?
● Overview: Students will learn how to apply critical thinking to discern between what’s credible and non-credible in the many kinds of media they run into online.
4. Don’t Fall for Fake: Spotting disinformation online
● Overview: Students will learn how to look for and analyze clues to what is and isn’t reliable information online.
5. It’s Cool to Be Kind: How words can change a picture
● Overview: Students will learn to make meaning from the combination of pictures and words and will understand how a caption can change what we think a picture is communicating. They will gain an appreciation for the power of their own words, especially when combined with pictures they post.
6. When in Doubt, Talk It Out: What does it mean to be brave?
● Overview: Students will think about what it means to be brave online and IRL, where they got their ideas about “brave” and how media affect their thinking about it.
Expanding resources to families
We teamed up with the YMCA across six cities to host bilingual workshops for parents to help teach families about online safety and digital citizenship with Be Internet Awesome and help families create healthy digital habits with the Family Link app. The workshops, designed for parents, coincide with June’s National Internet Safety Month and come at the start of the school summer holidays.
The 2007 movie “The Bucket List” told the story of two terminally ill men seeking to finish out all the things they’ve always wanted to do but never completed. The duo set out on their adventure with the intention to fulfill all their dreams before they “kicked the bucket.”
While most people associate bucket lists with experiences, you can apply the same concept to personal finance matters, as well. Essentially, you list all the things you need to accomplish in your financial life and then start making moves to get them done. According to financial experts, people should start to tick off money-matter items on their lists while they are still in their 20s and 30s. With this strategy, they’ll achieve financial freedom sooner than later because they’ve set themselves up for a less stressful future as they reach retirement age.
At this point, retirement probably seems a million years away, but now is the time to start thinking wisely when it comes to money. Check out our financial bucket list for millennials.
1. Live with roommates
Most millennials want to move out of their parents’ home but can’t always afford to do it. Why forego and miss out on the pleasures of autonomy you can enjoy living on your own? Get some roommates instead to help share housing costs.
When seeking roommates, always be smart and keep safety in mind during the selection process. Everyone, especially women, should stay away from listings on Craigslist and other platforms that don’t fully vet the people out who post these listings.
Once you’ve got your roommates in the house, aside from the financial savings you’ll enjoy by splitting the rent, you can make some great memories — or at least accumulate a few great stories to someday tell your family and friends.
2. Move to an affordable city
Sure, New York is the city that never sleeps, and Los Angeles sees a lot of action, too —but these cities are incredibly expensive to live in. Instead of struggling (even with the help of roommates) in an expensive city, consider relocating to a more affordable city with a lower cost of living. Kansas City, for example, is not only affordable, but it also offers plenty of great job opportunities and even boasts some of the shortest commuting times in the country.
3. Downsize and sell some stuff
We live at a time minimizing is en vogue, especially for millennials. Aside from being a trendy thing to do, selling off possessions you no longer need or want can net you some serious cash. Try selling clothes, unused gift cards, old electronics and gadgets, pretty much anything.
If you have old toys, video games, or other nostalgic items you don’t necessarily want to hang onto anymore, try selling these too. You’d be surprised at how well nostalgia sells! Set up an account on eBay (or another preferred platform) and get selling. Then take that money and save it or invest it so it grows.
4. Learn thrifty shopping habits
Even if you’re aiming to downsize, there will still be stuff you need. Instead of paying full price for new items, learn the art of thrifting by shopping at places like Goodwill, Salvation Army, and Habitat for Humanity resale stores. You can find great deals on everything for the home from kitchen necessities to furniture, along with personal items, too, such as clothing and accessories.
Other ways to save on shopping are to watch for sales, try extreme couponing, and follow discount sites such as Groupon for deals on things you want to buy. Also check out Craigslist and Freecycle to find freebies in your neighborhood.
5. Make a few investments
While making habitual changes can go a long way toward achieving financial freedom, you’ll want to find other ways to increase your bank account. Why not try purchasing some stocks and seeing what happens? Some online brokerage sites let users start buying with as little as $100 and make trades for $5. You can buy small amounts and see if you can aggressively make them grow. “Playing the market” is a unique experience that not everybody gets in their lifetime — and watching your stock’s values go up is a thrill.
6. Launch a business
Even if you’re holding down a full-time job, you can launch a business on the side to generate some extra cash and help build your financial future. It could be something as straightforward as buying a property to use as a vacation rental. Or you can build a brand in your spare time, you can market your business by creating a presence on social media and cultivating helpful business relationships. Sign yourself up to attend some trade shows to help establish a name for yourself.
Depending on your line of work, you may need to obtain a license, insurance, or meet other local legal requirements. Be sure to have your ducks in a row and do everything legally. Also, remember that you’ll need to file taxes as a business. An online calculator can help you make the necessary tax calculations.
Achieving financial freedom is a wonderful feeling! The sooner you get started, the sooner you’ll be that much closer to your ultimate money goals … and then you’ll be able to afford the things on your “other” bucket list.
Tessa Thompson considers herself Afro-Latina, a black woman, a person of color, and Latinx. But when fans go to see the sci-fi action blockbuster “Men in Black: International” this weekend, she hopes that they will only see her character, Agent M, on the silver screen.
“I hope we can get to the space in Hollywood where it’s not noteworthy for a woman, and particularly a woman of color, to top line a franchise film,” Thompson, who has Afro-Panamanian and Mexican roots, told NBC News. “I hope we can get to a place where we don’t have to congratulate it, or comment on it because it happens with such frequency. But we are still really far away from there.”
“Men in Black: International” partners Agent M with Agent H (played by Chris Hemsworth) in a globetrotting mission that will take viewers on a fun and exciting adventure through Western Europe and Northern Africa to find a murderer, expose a mole, and ultimately save the world.
Fans first meet M as the six-year-old Molly who has an unexpected encounter with an alien. This exposes her to a new world that is inhabited by unearthly beings. And after the Men in Black erase her parents’ memory, M dedicates her life to tracking down the organization and pursuing the truth.
“Memory is huge for M,” Thompson said. “She doesn’t want to live a lie, and she feels that because there’s this organization [Men in Black] that can go around wiping out memories, the only way to relive the truth in terms of the universe and its underpinnings is to be a part of this organization.” In playing Agent M, the critically acclaimed actress tapped into her gender and ethnicity as a way to understand what drove and tested her character.
“If you’re a woman, and particularly a woman of color, and you’re trying to get access to any space that has been historically white and male, you have to work harder,” Thompson said. “This was an inspiration for me when I was thinking about M because she’s so ambitious. She wants to be good, but she also knows that she has to be good — especially if she wants to get to where she wants to go.”
Continue on to NBC News to read the complete article.
Aarón Sánchez gives us a taste of authentic Latin flavor like never before with a traditional Guacamole recipe that has a bold kick of flavor!
Guest judge Aarón Sánchez in the all-new Top 17 Compete episode of MASTERCHEF airing Wednesday, June 29
1 serrano chile
1 white onion
1/3 cup fresh cilantro
Juice of 3 limes
Pinch of Mexican oregano
Pinch of sea salt
2-3 Roma tomatoes
1/3 cup Queso Fresco or Queso Cotija
1 radish, sliced
1/3 cup dried chapulines (Mexican grasshoppers), optional
Create a flavor base blending the serrano chile, cut in chunks and keeping the seeds, with 1/2 of the onion, a generous heap of cilantro and the lime juice.
Cut the avocados in half and remove the seeds. Place in a bowl.
Season the avocados with salt and oregano, and then mash them all together. Do not mash too smooth.
Flavor the guacamole with the serrano purée to taste.
Add finely chopped onion and tomatoes to the guacamole and combine. Season to taste with more salt and oregano.
Serve with a pinch of queso fresco or queso cotija and sliced radish.
For authentic Mexican flavor, try adding a spoonful of dried chapulines.
Enjoy with warm tortilla chips and a margarita.
Servings: 4–6 Time: 25 mins.
Pro tip: For best results, use room-temperature avocados.
About the Chef
Aarón Sánchez, chief chef officer of COCINA, is an award-winning chef, TV personality, cookbook author, and philanthropist. He is the chef/owner of Mexican restaurant Johnny Sánchez in New Orleans and a judge on FOX’s hit culinary competition series MASTERCHEF. He also co-starred on Food Network’s Chopped and Chopped Junior.
Sánchez launched the Aarón Sánchez Scholarship Fund, an initiative empowering aspiring chefs from the Latin community to follow their dreams and attend culinary school. He is also passionate about preserving his family’s legacy through food and encouraging diversity in the kitchen.
Beyond food, COCINA is a differentiator in the digital media landscape, an agent of flavor serving audiences with a taste for authenticity and a passion for life. From beautiful short-form recipes to cinematic story-driven originals, COCINA delivers Latin America to the world through the universal language of food. Located in Los Angeles, COCINA was co-founded by Aarón Sánchez and CEO Emiliano Saccone.
Jazz Jennings knows the spotlight better than most. Having come out as transgender at age 5, she quickly became an equality champion as a teenager when she began speaking forcefully about the rights and needs of transgender kids just like her.
Shows like 20/20 came calling, and she became the subject of her own TLC docu-series, I Am Jazz. A subsequent reality show followed, and Jazz soon became a spokesmodel for Clean & Clear dermatology products.
How does it feel now when you look back on your coming out?
My coming out was very different than it is for most other transgender people. In fact, my entire trans experience is very unique in that I expressed I was a girl from as soon as I could verbalize the words. It’s crazy looking back and knowing that I had the awareness and conviction to express my truth as early as age 2 and 3.
What was your first exposure to The Trevor Project, and why were you drawn to its mission?
When I was 11 years old, I received a youth courage award from the Collin Higgins Foundation and spoke at a Trevor Project gala. That was the first time I was exposed to Trevor, and I was just so proud and in awe to see an organization that was so active in working to provide a resource for LGBTQIA+ people who feel like they have nowhere to turn.
Even though we have achieved a measure of equality in America, there is more need for The Trevor Project than ever. What do you think explains this seeming contradiction?
At the same time that LGBTQIA+ are stepping out of the shadows more than ever, there is a proportional increase in the backlash directed toward our community. In the current political climate, people feel more empowered than ever to express their views, even if their opinions rest on trying to dictate the lifestyle and identities of those they don’t understand and aren’t directly affected by. It saddens me to know that The Trevor Project is more needed than ever, but I’m grateful that we have an organization doing what they do and I have hope that progress will be made.
That’s also why Macy’s support is so important, because their round-up campaign will raise awareness of LGBTQ youth suicide prevention nationwide, and their contribution will help Trevor support even more young people in crisis.
By Mass Communication Specialist 2nd Class Anita C. Newman, Defense Media Activity
The grassy hill surrounding the arena is packed full of spectators and family members. The emcee calls out a dancer’s name; there’s movement in the crowd. The competitor makes it into the arena, throws out his hoops for his sequence. Upon the dancer’s cue, the drum starts singing. Bells on his ankles sing in time with each beat of the drum and each step he makes.
He has five minutes to convey a story, using small hoops as his medium to paint each scene, as part of the 28th Annual Heard Museum World Championship Hoop Dance Contest held in Phoenix last year.
“The competition opens everyone’s eyes to the Native American culture,” said Timothy Clouser, the museum’s facilities director and a Navy veteran. “I find it very fascinating how each dancer puts their own artistic expression in their dance and story they are trying to convey. Not one dance is the same.”
Brian Hammill, an Army veteran of the Ho-Chunk Nation of Wisconsin and a previous World Hoop Dance champion, competed in Phoenix. He uses his dancing to help bridge the cultural gap between Native Americans and non-natives, sharing his culture everywhere he goes.
“As native people, we don’t give gifts of objects because an object goes away, but we give the gift of a song, or a dance,” Hammill said. “When you do that, if you give somebody a song, and you tell them, ‘Every time you sing this song, you tell the story,’ or ‘Every time you do this dance, you tell the story and you give it away,’ that dance will last forever. That’s how this hoop dance carries on; it’s given from one person to the next.”
The hoop dance is different than other Native American dances, such as powwow dancing. Powwows are inter-tribal celebrations of Native American culture. Tribal affiliation doesn’t matter, nor does what region someone is from. It doesn’t even matter if someone is native or non-native.
Powwow dancing consists of at least six categories. Men’s categories include the fancy dance, grass dance and traditional dance. Women’s categories are the fancy dance, jingle dress and traditional dance.
The hoop dance regalia is minimal compared to that of the powwow dances. Typically, a hoop dancer will wear a shirt, breechcloth, side drops, sheep skin, bells (or deer hooves) and moccasins. The colors and designs are specific to each person. The hoops are small and vary in size, typically depending on the height of the dancer. Sometimes they have designs on them, again, specific to each dancer.
“Traditionally, the hoops were made out of willow, depending on where the tribe was located,” Hammill said. “I make mine out of a very exotic wood called plastic.”
The hoop dance has different origin stories with a common thread that it originated in the Southwest. To some native nations, the hoop dance is a healing dance, Hammill said. A hoop would traditionally be passed over an afflicted person, then the dancer would break that hoop and never use it again.
“Basically, it was a way of taking away all that pain or sickness away,” Hammill said. “That’s not done in public. There is also a story of the children, the Taos Pueblo children. It is said that the children saw this ceremony taking place and began to emulate what they saw. Instead of telling the kids, ‘No, you can’t do this,’ the adults encouraged them. They began to sing songs for them. They took what was a prayer and made it something the kids could do. So, basically, the dance changed, it evolved.
“In the north, it tells of a warrior’s journey,” he continued. “As you see these hoops come together, they start to make formations. You’ll see the eagle, the butterfly, the warrior on the battlefield defending his family, the clouds in the sky.”
Each person, he explained, will see that dance in a different way, interpret the story differently. There are hundreds of hoop dance stories, but each one revolves around the sacred circle of life.
“The significance of the hoops is that it represents the circle of life. There’s no beginning and no ending,” Hammill said. “We are taught that each and every one of us—doesn’t matter who we are, where we come from, the color of our skin—we are all created equal in that sacred hoop.”
Another part of Hammill’s culture that he lives every day is the tradition of service.
“The way I was always taught is, as a native person, we are always here to serve the people,” he said.
“We serve them by cooking and providing food for them. We teach them, or protect them. One of the greatest things I was always taught that we do, is we put ourselves in harm’s way to protect our families and our identity. It was something I’ve always wanted to do, I felt I needed to do.”
Hammill enlisted in the Army while still in high school. He went to basic training during the summer between his junior and senior years, and went on active duty after graduation.
“It’s just something that we do,” he said. “You’ll find that throughout the United States, there are a higher percentage of native veterans per capita than any other race.”
While he was stationed in South Korea, one of his first sergeants learned that he had danced while growing up, and asked Hammill to share his culture with everyone. He performed the men’s fancy dance for his fellow Soldiers.
“A lot of these Soldiers weren’t exposed to different cultures, so he had me do one of my first presentations there,” he said. “I called my dad in Wisconsin, and he shipped all of my dance regalia to me. I started doing presentations for the people I was stationed with, and in different areas throughout the Korean theater. That’s where I really got the passion to share the story, and I found out how important it is.”
Hammill was introduced to the hoop dance prior to his transition out of the military in 1994. Back then, he would travel about 120 miles from Fort Polk, Louisiana, to Livingston, Texas, where he performed and danced with the Alabama-Coushatta tribe.
“A good friend of mine, Gillman Abbey, basically gave me this hoop dance,” he said. “He told me the story. He told me every time I dance, to always make sure I share the story, and give the dance.”
He said the hoop dance helped him heal from his time in service. Still brand new to hoop dancing, Hammill actually competed in the World Hoop Dance Championship for the first time about six months after he got out of the military.
“I was 24, in the adult division,” he said. “I remember I was scared because this is a huge competition. Some of the dancers I’m still dancing with today pulled me aside, said to me, ‘Hey, you’re doing good. Let me show you some different moves. Let me help you.’ I’ll never forget that because that’s what really kept me coming back. Being here, feeling that hoop and how it affects people, it keeps me coming back. It took me a long time, about 15 years, until I won my first world title. I moved to the senior division and won four more. But it’s a family. It really is something we all have in common.”
No matter where you are in life, whether you’re just starting your career or nearing retirement, it’s important to understand the voluntary benefits available to you that can complement traditional health insurance.
While health insurance can help cover medical costs in the event of injury or illness, sometimes there are additional expenses your health care plan doesn’t cover. Voluntary benefits, such as life insurance, disability insurance and dental insurance offered by your employer or as portable options through a company like Colonial Life can help bridge the gap should an unexpected event occur.
“Even if an employee has to pay a nominal sum for a voluntary benefit like disability insurance or dental coverage, it can be well worth it,” said Sharlyn Lauby, president of ITM Group Inc., creator of the HR Bartender blog and contributor to Colonial Life’s WorkLife blog. “Think of voluntary benefits as those specialized, personalized extras that make your overall benefits package exactly what you’d like it to be.”
Benefits can be complex, but with the right information about the options available, you can make choices that best fit your lifestyle and budget. Consider these common voluntary options.
While almost nine out of ten Americans agree most people need life insurance, just 60 percent said they have it, according to LIMRA’s Trends in Life Insurance Ownership study. With benefits typically paid tax free to your beneficiary, life insurance can provide peace of mind and help loved ones pay for funeral costs, cover living expenses, pay off debt, finance future needs and protect retirement plans. Policies are often available through employers, but you may lose the coverage if you change jobs. However, portable policies are also available that allow you to maintain coverage even if you change jobs or retire. To learn how much life insurance protection your family needs, visit worklife.coloniallife.com/calculator.
No one usually expects to get sick or injured, however, disability insurance can help protect your income and maintain your lifestyle if a physician determines you’re unable to work due to a covered accident or illness. Common conditions, such as pregnancy and childbirth, heart attacks, strokes, cancer and accidents, make up the majority of disabilities that lead to an inability to work. With short-term disability benefits, you receive financial support for a predetermined amount of time to cover expenses like a mortgage or rent, car payments, utilities and more, so you can focus on recovery.
Daily brushing and flossing can help keep your mouth healthy, but that’s not always enough as dental problems can lead to other health problems if left unattended. When you see a dentist for routine appointments and necessary procedures, dental insurance can help reduce the out-of-pocket expense. In fact, among insurance benefits typically provided to employees, 61 percent of workers view dental benefits as important, ranking second after medical insurance, according to LIMRA. Dental insurance provides coverage for regular cleanings and more extensive procedures like fillings, crowns, dentures and tooth removal. Some plans even offer allowances for orthodontic work like braces and retainers.
When an accident happens, one of the last things many people want to think about is how they’re going to pay the bills. You can prepare for the unexpected with accident insurance, which provides a lump-sum benefit—based on the injury suffered and treatment received—that can be used to help pay for expenses following an accidental injury, such as doctor bills, co-pays, emergency room fees, transportation, lodging and follow-up care.
Critical Illness Insurance
No matter your age or health status, a sudden illness could significantly impact your financial well-being, and health insurance may not cover everything. When a critical illness such as a heart attack, stroke or major organ failure occurs, major expenses often follow, and critical illness insurance can help off-set costs. In addition to your day-to-day bills, the lump-sum benefit can be used to pay for treatment- and recovery-related expenses including deductibles and co-pays, child care, travel and lodging, gym memberships and out-of-network treatment facilities and procedures.