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iWr.K 8 - PLAIN DEALER - WEDNESDAY. MARCH 12,1980 Sports Calendar McHENRY HIGH SCHOOL Winter Schedule Dale Sport Mar. 17-21 A GBB Tue., Mar. 18 BBB Bad Mar. 21-22 BBB Sat., Mar. 22 Bad Tue., Mar. 25 GBB Wed., Mar. 26 Bad Mar. 28-29 GBB Squad Opponent v V V V Place Time IHSA Sect.. TBA IHSA Super-* Sect.'. TBA DeKalb There 5.-00 IHSA State TBA lit. Forest Invit There 9:00 IHSA Super-Sect. TBA Conant There 4:30 IHSA State TBA Past 65 Watch out for tho small print In Health and agcidont policies. Write to Carl Riblet, Jr. at Box 40757, Tucson, Ariz., 85717 for information and advice on questions you may have as an elder citizen, with self-addressed, stamped envelope. All questions will be answered, either direct or in this column. Radio Dispdfch Plan For Goodwill Pickup HOLD THE CHEER-Warrior cheerleader Maria Warren realizes there is not enough time on the clock as she watches Tony Sroka sink the final McHenry basket to close the gap by two. There wasn't. And Maria held her cheer. STAFF PHOTO-WAYNE GAYLORD •••••••••••••••••••••••••••••• *•< Goodwill Industries is the first area agency to use radio dispatched trucks for pick-up service, according to Norman K. Dasenbrook, executive director of Abilities Center Goodwill Industries at 1907 Kish- waukee street, Rockford. By keeping in contact with the truck drivers, Goodwill pickup service should be improved with faster dispatching and also to serve the calls usually designated as "not home calls" when the householders call in and report that their donations were not picked up," Dasenbrook reported. "If the drivers are overloaded or have a problem, maybe another unit can be sent out im­ mediately or perhaps another truck is in the proximity to answer the call and help," he continued. The equipment can be used to train the switchboard operator in radio dispat- THERE'Sf&R I SWSWT TEGKtr* | honest*. | experience I RETAIN ; THEODORE J.! FL0R0 McHENRY COUNTY STATE'S ATTORNEY ******************* WHA T OTHER LA WYFRS SA V ABOUT FLORO: * * * * * * *• * * * * * * * * i • JAMKS H . COONKY Retired Circuit Judge •WILLIAM J . COW LIN Former McHenry County State's A ttornev •THKODORK A.K. POUHLMANN Partner, Kelt, ( oneny and Poehhnann •MICHAKI . T . t AI .DWKLL Partner, Caldwell, Berner and Caldwell •WILLIAM Ki MAN Partner, Elman & Ehardt "Ted is eminently qualified to be the lawyer for the people of McHenry C ounty. " "led has demonstrated that he has the ability, know ledge and concern to be a successful State's Attorney. He is the most qualified candidate and / endorse him. " "One itf the outstanding trial attorneys criminal lawyers in McHenry County." and • JAMKS P . Woodstock, HKCHT III. •HAROLI ) ( . McKKNNKY ' Partner, McKenney, Chapman and Graham • JOSLPH CONDON Josyln and Green •THOM AS C . ZANCK Partner, Vfihiello and Zanc> • JAMKS i R AN/ Partner, 1runz. & H ore led •HAKR\ McHenry. ( . KINNK Illinois JR . THOMAS K. BAkLR. Hamer, Schuh and Baker "An exceptional attorney, with integrity and ability that make him an outstanding State's At­ torney." "Ted Horn is a man of talent and integrity. He has seryed with distinction as our State's At­ torney and he deseryes our support." "hloro is tough, courageous, intelligent, a man o) stamina, yet a man of humanity. I'ut together, they form the stuff that a State's Attorney needs. / support and endorse him KM) "() " led hloro has stepped into a demanding job and ha s maintained the highest level of efficiency and integrity. The transition period has gone smoothly and the highest standards of profes­ sionalism ha ve been apparent throughout his tenure in office. " "Horn has the ability, integrity and experience and should be retained as McHenry County State's Attorney." "I've always admired Ted Horo's competence and aggressi\eness in the areas of law with which the State's Attorney office deals. The people of the C aunty of McHenry need a man of Ted's ability and integrity as Stale's Attorney. " " 7 am endorsing Ted I toro based on his excellent record in office, and / am sure that he has the in­ telligence and dedication needed for such an awesome responsibility." "led Horo's experience and integrity demand his return to the office of State's Attorney for McHenr\ ( ounty. " "I have alwavs been impressed with Floro's un­ questioned ability as a trial lawyer and his dedication to those he was representing. While constantly dilment to his clients and their in­ terests. his principals, integrity and high regard lor professional standards have always been, ap­ parent led has performed exceedingly well as State's . Attorney tor McHenry County and / heartily endorse him " VOTE FOR FLORO MARCH 18, 1980 IM I «»r Its < ili/eiis lor Horo. P.O. lio\ 4Kf». oodslock. III. MNWH ***********#*•*******•************************ ching, also vital in the truck driving course. By installing this equipment,- Goodwill also adds two more training stations. The addition of this equipment to the trucks has been in the planning stage for many years. It will also aid the drivers in the outlying areas, as Goodwill serves 19 counties in Illinois and Wisconsin from the Rockford base. In this way they can keep in touch with the other traveling units. It is hoped this better service will help Goodwill obtain more needed material to serve more handicapped and disadvantaged clients. The daily service now ranged from 135 to 150 each day with a total case load of nearly 1,200. The intake requirements are going up each year and the management does not want a cut in service. A TAX TIP From the Illinois Department of Revenue Most pension or annuity income is exempt fram Illinois\mcome tax -^even though iVfflaj£_be-t2xed by the Federal government. If you aren't sure whether your pension is tax-exempt, contact the company from which you retired. By Carl Riblet, Jr. These days there are two kinds of insurance company that do business with elderly citizens -- l). the old line life insurance companies and some of the better casualty companies, and 2) the smash advertisers of supplemental insurance policies for monthly premiums with no physical examination required. Questioii -- "I wonder about the insurance policies promoted by the National Home Health plan, the one that Art Linkletter sells. For years, Linkletter has been portrayed in newspaper ads and on televison as the kindly gentleman, with a hint of a lisp, who loves little kids and, therefore, must love older people. He is peddling his popularity for a business propostion that offers enormous profits. "I know something about insurance. Actuarily, the National Home Health plan pays the company excessive profits. So do many other health insurance un­ derwriters. This has been shown in testimony before the state senate in Salem, Oregon. "What irks me is that those insurers who are licensed by the insurance commissions of all 50 states, spend millions of dollars every year in smash ad­ vertising. Nobdy has had the guts to call a halt to the practice of selling insurance that way. More and more of the elderly are being roped in. "In Oregon, a Senate bill would require insurance companies that offer Medicare supplement policies to pay out benefits equal to, or at least 60 per­ cent of, their premium in­ come. The testimony taken in the hearings provides evidence that some com­ panies pay out as little as 18 cents of every dollar they take in through customer premium payments. Do you have any suggestions?" -- Gene R. A. -- There have been many complaints against Art Linkletter and National Home. The promise in the policies may be short of expectations, but Art Linkletter's pitch is not a rip off. Elders get their money's worth with National Home. Unfortunately, many policy holders seem to think they're going to get more. In other words, Linkletter's pitch seems to be misleading. 1 That's the trouble as I see it, and as my own insurance broker sees it. Those great big ads and prime time TV pitches should be appraised with caution. Otherwise, the buyer could sadly make close acquaintance with the old saying so often triggered by study of real estate and insurance contracts: "The big print giveth, and the small print taketh away." Question '" "I have a policy with National Home Life that'costs me $6.50 a month and since I took that policy out I've been deluged with pitches trying to sell me something more. I am fed up. My husband has a loss- of-life hospitalization policy with United Equitable that costs him $20 a year. I carry a life policy with Colonial Penn at $6.95 a month. My husband also has a life policy with J.C. Penney. We are both on Medicare. I sure would like to have some LET'S MAKE AMERICA GREAT AGAIN. jr- J w \ "TO WIN THE REPUBLICAN NOMINATION, I NEED ILLINOIS DELEGATES WHO WILL VOTE FOR ME AT THE NATIONAL CONVENTION" Ronjj REAGAN DELEGATES j *W. TIMOTHY SIMMS | • HARRY W. DARLAND I • EUGENE BRASSFIELD j 'THOMAS D. SHAW eatjan CUT OUT TMISI NAMIS AND TARI ThT*To~M1>USMARCH 1 ltd REAGAN ALTERNATES • DAVID F. JOHNSON • MARY. LOU COOK - • FRANK MANZULLO • T. WILLIAM COOK AND REPUBLICANS * * * DEMOCRATS ** 'INDEPENDENTS ** * You won't know who youi Reagan Delegates are in the voting booth... so clip our names and take them to the polls. •ASK FOR A REPUBLICAN BALLOT* TUESDAY. MARCH IS. 19S0 REAGAN FOR PRESIDENT Paid for by lain District Reagan Daltgat* Candidates. Mary Lou Cook, Treasurer District Hsadquartars 10$ Hall St., Rockford -- 963 9600 assurance that our hard- earned money isn't going down the insurance drain". - - LaVerne H. Answer -- Your money is not going down-the drain, although you could be over- insured. the question of supplemental insurance is vital to all elders. Those who are not experts with years of experience in the insurance business cannot be certain which is good a'nd which is bad. None of us is as profit-* smart and sales- knowledgeable as the people who run these big mail-order insurance firms,- and their lawyers. There is only one way to be sure that you will get a policy that wUl work when you need it to work. Go to the people who sold you life insurance when you were younger, local insurance people of experience who represent good companies such as Connecticut General, New York Life, Prudential, Equitable, Metropolitan, etc. Many <rf those people also sell some kind of supplementary in­ surance. If not, they can tell you where to go. Pose a problem to the insurance person you talk with. Say, for instance, "What if I have medical costs of $15,000 for a session in the hospital. What kindof a policy can I get that will give me faith tthat it will pay off? If he knows about medical insurance, if he lives in your town, someone you could see every day, someone you pass on the street, and someone who is not a sharper trying to get you to buy more in­ surance when you don't need it, he will answer you honestly, and you'll come out safely. Ask the expert. Do not go for the shrill pitch just because it is easy to tear out a coupon, mail it to a com­ pany in another state and sit back and hope. I would give an inch off the end of my nose, and I can't spare it, if I knew enough about insurance to buy my own without advice. I need advice and I think that everybody else who is past 65 and not an insurance expert needs it, too. Question -- "My husband has a health insurance pol­ icy where he works. It did­ n't seem adequate so I took out a policy with Union Fidelity to help pay any hospital bills. Will it pay off? I am 64." -- Mrs. Max V. Answer -- I think that all of the insurance companies will pay off what they consider to be legitimate claims. The question is whether or not you really know what you are really covered for. Question -- "I joined the American Association of Retired Persons mainly just to receive their news bulletin. I did not have to participate in their activities or buy their medicines. I get mine free because my husband died while serving in the Navy. Since some of •o* a* & VOTE TUES. MARCH 18 Paid by Citizens for Klemm 40 Brink, Crystal Lake, It my privileges have been reduced by the Navy upon becoming \ eligible for Medicare last year, I had been considering some kind of supplementary insurance. Last week, lifter reading an ad in the AARP news bulletin and receiving a packet from Colonial Penn Insurance, I decided to buy Colonia Penn Sup­ plementary Insurance. Then I read your column and the small mention of Colonial Penn. I wondered to myself, 'What does Mr. Riblet know that I have no way of .knowing?; Should I look for other supplementary coverage? -- Mrs. Lucille S.K.A. Answer -- The Colonial Penh Insurance organization was founded at the time AARP was founded. The woman who was head of the National Retired Teachers assocatioh and Leonard David, Philadelphia in­ surance man, organized AARP. Then Colonial Penn became closely -- perhaps too closely -- identified with AARP by being given an exclusive right to promote and advertise its insurance policies in AARP publications. Questions about Colonial Penn's connection with AARP have been numerous. AARP is now going through a year of what it officially calls "the transitu . period" of disassociating itself from close relationship with Colonial Penn. The reason given for this cutoff is that Colonial Penn has so many "enemies" it can no longer operate easily with AARP. It must be painful for both because, for example, in one year, 1979, AARP, with an annual budget of $48 million, was paid approximately $12 million by Colonial Penn, including a $4.9 million percentage, or what we could describe as com­ mission, for insurance sold through the AARP's non­ profit publications, and payment for advertising space in the form of news columns. Colonial Penn pays off claims on auto, life, ac­ cident, and homeowners' insurance. The question is not will it pay off, but where do all its profits go? Perhaps Colonial Penn would care to tell us . All of us are entitled to know. Write to Carl Riblet, Jr. at Box 40757, Tucson, Ariz., 85717 for information and advice on questions you may. have as an elder citizen, with self-addressed, stamped, envelope. All questions will be answered, either direct or in this column. WHAT'S NEW ADHESIVE re move r Glue Remover The usual method for re­ moving price stickers, de- cals and bumper stickers in­ volves scratching them off with a fingernail. A more effective way is now avail­ able, you just brush on. It is said not to burn skin or re­ move automotive paint. HOW DO YOU ELECT A GOOD CIRCUIT JUDGE? I ELECT A GOOD ASSOCIATE JUDGE ELECT JUDGE WILLIAM D. BLOCK THE MAN WHO STANDS ON HIS RECORD NOT ON PROMISES REPUBLICAN Primary-March 18th Pd Poi Ad» By Committee to Elect Iude Wdham D Block 9 North Count, Waukegan it MORS