Valley Breeze

The Valley Breeze Woonsocket North Smithfield 11-14-2019

The Valley Breeze Newspapers serving the Northern Rhode Island towns of Cumberland, Lincoln, Woonsocket, Smithfield, North Smithfield, Pawtucket, North Providence, Scituate, Foster, and Glocester

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8 WOONSOCKET NOVEMBER 14-20, 2019 | VALLEY BREEZE | NORTH SMITHFIELD BLACKSTONE WOONSOCKET EDITION LEO A. SAVOIE ELEMENTARY SCHOOL students serenade local veterans during a program at the school last Friday. Woonsocket High School Senior EDWARD TUPPER plays the national anthem during the veterans ceremony. Savoie 4th-grader JACOB LEE sits on the lap of his dad, JOSH LEE, a Marine who served in Iraq, during a program celebrating local veterans last Friday. NORMAN TURCOTTE, of Woonsocket, a Navy veteran who served during the Normandy invasion, is surrounded by three generations of his family when Leo A. Savoie Elementary School presented a pro- gram to honor local veterans at the school last Friday. From left are granddaughter AHRIANNA CIAMBRONE, wife RENEE and daughter GINA CIAMBRONE. BREEZE PHOTOS BY ROBERT EMERSON School nurse RENEE DICENSO, left, presents a bouquet of flowers to LISA LANOUE, an Air Force veteran and reading specialist at the school. Savoie Elementary honors veterans Glow Oil heat your home for less 401-475-9955 Check Our Website for Today's Low Heating Oil Price OVERHEAD INSURANCE While disability insurance policies will replace part of business owners' incomes, the benefits will not pay their businesses' overhead expenses. Nor will their general liability policies pay company salaries, rent, utility bills, or other business-related expenses. To fill this gap in coverage, small business owners are urged to shop for "business overhead expense" (BOE) insurance. As a complement to disability insurance, BOE insurance uses terms that also apply to disability insurance, such as "elimination period," "benefit period," and "presumptive disability." The policy could also have "residual disability" benefits, which means coverage when the policyholder is not totally disabled. The policyholder will receive partial benefit payments, if (s)he becomes incapacitated, but not so severely that (s)he can't perform some duties. Many people assume the chances of their becoming disabled for a long period are slim to none. But it's more common that you realize. To protect you business, and the employees who keep it running, it's important to have a contingency plan. Whether it's personal, business, or life and health insurance, HUNTER INSURANCE, INC. designs and develops total insurance programs. To learn more, please call 769-9500, or visit our agents at 389 Old River Rd., Lincoln. NOTE: Business overhead expense insurance typically has a benefit period of either 18 or 24 months. A 12 month benefit period may also be available, if business owners apply for the policy between age 61 and 64.

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