Do You Know Your Insurance IQ?KNOWLEDGE IS YOUR BEST policy when it comes to insurance — especially in these difficult economic times. Consumers need to be sure that they understand what their insurance policies cover.

By making careful, informed decisions about their insurance, South Carolinians can save money and ensure long-term protection for themselves and their families.

Recently, the National Association of Insurance Commissioners (NAIC) conducted a survey to better understand adults’ knowledge of their insurance plans.

On average, consumers scored only four out of 10 questions correct on the Insurance IQ survey,

Less than half of those surveyed knew that if they leave their job and select the federal Consolidated Budget Reconciliation Act (COBRA) to continue their health benefits, they must pay full cost of the coverage. However, 58 percent are aware that health insurance will not cover their living expenses if they were to become disabled and unable to perform their job duties.

Fourteen percent of those surveyed knew that the amount of life insurance typically recommended for individuals is five to seven times your annual salary; 29 percent believe two to four times an annual salary is recommended and almost 40 percent simply did not know.

Finding success with conductive education.

Benjamin PerryOne step at a time is the underlying principle at The GRACE Center — building small yet big accomplishments through conductive education to help students with motor disabilities achieve independence.

These words are nothing short of miraculous to the families that come here.

Seven-year old Gabrielle Padgett’s mother, Melony, found the center through the Internet. Today, her grandmother brings her twice a week for three-hour sessions.

“For Gabrielle, it has been phenomenal,” said Pam Padgett. “For us, it has been a godsend.”

The shellfish harvesting areas of Park Creek, including a 1,000-foot semicircle extending from the mouth in both directions into Skull Creek and Port Royal Sound, were closed as a precaution due to a ruptured sewer line, the S.C. Department of Health and Environmental Control reported.