LeTip Chester County East met on Tuesday, July 29, 2014, and we are pleased to welcome two new members: Theresa Barlow, Interior Designer with A Perfect View (www.APerfectViewInteriors.com), and Rob O'Keefe, Contractor/Builder with JMB Custom Renovations (www.JMBCustomRenovations.com). We were also joined by a guest representing the category of Plumber.

Our showboater for the morning was Tony Latino (This email address is being protected from spambots. You need JavaScript enabled to view it.) from Tony's Chimney Care. Tony displayed brochures that highlight several of the products he uses, including a water sealant. Using a sealant can often prevent problems from occurring.

Glen Coral (This email address is being protected from spambots. You need JavaScript enabled to view it.), our Life, Health, and Disability Insurance specialist, was our speaker. Glen focused on disability insurance. There are a variety of things that can be covered by a disability policy; the types and amount of coverage depend upon your occupation, what tasks are performed on the job, and whether you have employees and/or a Key Person to the operation of your business. Certain occupations benefit from carrying overhead expense coverage. Income replacement coverage is a standard feature of disability policies, and your past two to three years of income will be used to calculate how much can be paid. If there is a key contributor to the operation of the business, Key Person coverage will pay the company if this person is injured or their contribution to the company is interrupted. If you have two occupations, coverage can be tricky if one occupation is deemed to be uninsurable. Historic injuries and illnesses may also be excluded from coverage. Glen is happy to research coverage options and help you select the best plan with the most appropriate coverage for your situation.