Are You Ready?
Tornadoes are nature’s most violent storms. Spawned from powerful thunderstorms, tornadoes can cause fatalities and devastate a neighborhood in seconds. A tornado appears as a rotating, funnel-
Some tornadoes are clearly visible, while rain or nearby low-
Before a tornado hits, the wind may die down and the air may become very still. A cloud of debris can mark the location of a tornado even if a funnel is not visible. Tornadoes generally occur near the trailing edge of a thunderstorm. It is not uncommon to see clear, sunlit skies behind a tornado.
The following are facts about tornadoes:
• They may strike quickly, with little or no warning.
• They may appear nearly transparent until dust and debris are picked up or a cloud forms in the funnel.
• The average tornado moves Southwest to Northeast, but tornadoes have been known to move in any direction.
• The average forward speed of a tornado is 30 MPH, but may vary from stationary to 70 MPH.
• Tornadoes can accompany tropical storms and hurricanes as they move onto land.
• Waterspouts are tornadoes that form over water.
• Tornadoes are most frequently reported east of the Rocky Mountains during spring and summer months.
• Peak tornado season in the southern states is March through May; in the northern states, it is late spring through early summer.
• Tornadoes are most likely to occur between 3 p.m. and 9 p.m., but can occur at any time.
Before a Tornado
Be alert to changing weather conditions.
• Listen to NOAA Weather Radio or to commercial radio or television newscasts for the latest information.
• Look for approaching storms.
• Look for the following danger signs:
o Dark, often greenish sky
o Large hail
o A large, dark, low-
o Loud roar, similar to a freight train.
If you see approaching storms or any of the danger signs, be prepared to take shelter immediately.
During a Tornado
If you are under a tornado WARNING, seek shelter immediately!
CONSUMER ALERT: Taylor Orders Unlicensed Ohio Company to Stop Selling Products Potentially Harmful to Consumers
COLUMBUS — Ohio Lieutenant Governor and Department of Insurance Director Mary Taylor has issued cease and desist orders to unlicensed insurance entity My Community Care LLC and its owner Tannile Ortiz for allegedly selling an unlawful product in the state of Ohio. The Hilliard, Ohio based entity and its owner are not authorized to engage in the business of insurance or to provide health insurance coverage in the state.
“This is a company that has not been licensed by the Department to ensure it meets financial safeguards established to protect consumers,” Taylor said. “The company depends solely on membership fees to pay claims from one month to the next and as a result, members who have received health services may be at risk of not having them paid by My Community Care.”
My Community Care is a membership organization that sells its product to individuals and families for a monthly fee. Members are granted access to preventative and health and wellness services including flu shots, travel health, physical exams, and wellness programs through My Community Care’s provider network, according to the entity.
Taylor said the entity and owner have engaged in unfair and deceptive acts in violation of Ohio Revised Code (ORC) section 3901.20 as defined in ORC sections 3901.21(A) and/or 3901.21(B). A hearing to determine whether the cease and desist orders shall be made permanent is currently scheduled for April 24 at 9 a.m. at the Ohio Department of Insurance and is subject to change.
Taylor advises Ohioans to check on the Department's website at www.insurance.ohio.gov or call its consumer hotline at 1-
STAYING SAFE -
The Delaware County Prosecutor’s Office offers a free publication to help protect seniors against scams. Here are a few tips from the brochure…
• Never sign blank insurance claim forms.
• Ask your doctor’s office what they will charge and what you will be expected to pay out-
• Know if your doctor ordered medical equipment for you and keep accurate records of such orders.
• Do not conduct business with door-
• Do not respond to unsolicited advertisements.
• Do not trust anyone claiming that you can own a home with no down payment.
• Do not pay for services in advance. Pay for services only after they are delivered or completed.
For the rest of the tips, plus additional information to keep safe, click here to download the free PDF file.
Empty Nester’s Guide to Auto Insurance
Senior discounts! A senior driver (typically ages 55-
A senior driver may be able to take advantage of several discounts:
Honing those skills!
Consider taking a senior driving refresher course such as AARP’s “55 Alive” or a program run by the National Institute of Highway Safety or American Automobile Association (AAA). Successful participation in these programs may help you qualify for a discount.
Protecting what is yours!
Your net worth may still be growing, or is at its highest at this stage of your life. Therefore, it might make sense for you to purchase an “umbrella policy,” which will increase your personal liability coverage, including your auto liability coverage. Many seniors obtain up to $1 million of this coverage in order to better protect their assets.
Questions or concerns?
The Ohio Department of Insurance regulates agents and companies that are licensed to sell insurance in our state. The Department’s Consumer Services representatives can answer your insurance questions and investigate your complaints about an insurance company or agent, contact the Department at 1-
From Lt. Governor / Department of Insurance Director Mary Taylor
Ohio Senior Health Insurance Information Program Guide
This Guide to Medicare Supplement Insurance, Medicare Options and Part D is provided by the Ohio Department of Insurance to give you clear, unbiased, educational information on your Medicare insurance options in Ohio.
It provides an overview of the Medicare program in general, and details the specifics of your Medicare Supplemental (MedSup) insurance choices. Information in this comprehensive guide includes Medicare basics, when and how to enroll in original Medicare, choosing a MedSup plan, how to use premium charts, and Medicare prescription drug coverage (Part D). This information is designed to guide you in your Medicare selection and help you compare your policy coverage and cost.
Choosing the right insurance plan is an important decision and the Ohio Department of Insurance is here to help. If you have questions after reading this guide, please call the Department’s Ohio Senior Health Insurance Information Program (OSHIIP) at 1-