To help you better understand this complex industry, we have compiled a comprehensive list of insurance terms that you should be familiar with.

Know Your Insurance Terms for Peace of Mind

Shield Insurance Agency Blog | Insurance Terms | Start a Quote Today!

Insurance is an essential aspect of our lives, providing us with the necessary protection and peace of mind. However, navigating the world of insurance can be overwhelming, especially with the numerous terms and jargon often used. To help you better understand this complex industry, we have compiled a comprehensive list of insurance terms that you should be familiar with. Whether you are a seasoned policyholder or a newcomer to the world of insurance, this list will serve as a valuable resource.

Insurance Terms

1. Premium: The amount of money you pay to the insurance company in exchange for coverage. Premiums can be paid monthly, quarterly, or annually, depending on the policy.

2. Deductible: The amount of money you must pay out of pocket before your insurance coverage kicks in. For example, if you have a $500 deductible and file a claim for $1,000, you will pay the first $500, and the insurance company will cover the remaining $500.

3. Policy: A contract between you and the insurance company that outlines the terms and conditions of your coverage. It specifies what is covered, the limits of coverage, and any exclusions or conditions.

4. Coverage: The protection provided by an insurance policy. It can include various types, such as auto, home, health, life, and more.

5. Liability: The legal responsibility for any damages or injuries caused to others. Liability coverage is designed to protect you in case you are held responsible for an accident or injury.

6. Claim: A formal request made by the policyholder to the insurance company for compensation or reimbursement for a covered loss or damage.

7. Underwriting: The process of evaluating an applicant’s risk and determining the terms and conditions of their insurance policy. It involves assessing factors such as age, health, driving record, and more.

8. Exclusion: Specific situations or conditions that are not covered by an insurance policy. It is important to review your policy carefully to understand what is excluded from coverage.

9. Rider: An additional provision or amendment to an insurance policy that modifies or expands the coverage. Riders are often used to add specific coverage options or increase policy limits.

10. Agent: A licensed professional who represents an insurance company and helps individuals or businesses find the right insurance coverage. They can provide guidance, answer questions, and assist with the claims process.

11. Insured: The person or entity covered by an insurance policy. This can be an individual, a family, or a business.

12. Loss: The reduction in value or damage to property or assets covered by an insurance policy. It can be due to theft, accident, natural disaster, or other covered events.

13. No-claims bonus: A discount or reward given by insurance companies to policyholders who do not file any claims during a specific period. It encourages safe driving and responsible behavior.

14. Comprehensive coverage: An insurance policy that provides protection against a wide range of risks and perils, including theft, vandalism, fire, and natural disasters.

15. Grace period: The additional time given to policyholders to pay their premium after the due date without incurring a penalty or losing coverage.

16. Subrogation: The process by which an insurance company seeks reimbursement from a third party who is responsible for the loss or damage covered by the policy. It allows the insurance company to recover the amount paid to the policyholder.

17. Actuary: A professional who uses statistical data and mathematical models to assess risk and determine insurance premiums. They play a crucial role in pricing policies and ensuring the financial stability of insurance companies.

18. Umbrella policy: An additional liability insurance policy that provides coverage beyond the limits of your primary policies. It offers an extra layer of protection against high-cost claims or lawsuits.

19. Depreciation: The decrease in the value of an asset over time due to wear and tear or obsolescence. Insurance policies often take depreciation into account when determining the amount of compensation for a covered loss.

20. Endorsement: A written amendment or addition to an insurance policy that changes the terms or coverage. It can be used to add or remove coverage options, increase or decrease policy limits, or modify other policy provisions.

Understanding these insurance terms will empower you to make informed decisions when it comes to protecting yourself, your family, and your assets. Remember, insurance is not just a financial product; it is a shield that safeguards your future. If you have any questions or need assistance in finding the right insurance coverage, contact Shield Insurance Agency at (616) 896-4600 for a free quote today. You can also start the quoting process by visiting this LINK, and an agent will be in touch soon. Stay protected and enjoy peace of mind with comprehensive insurance coverage.


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Insurance 101 for Beginners

Insurance 101 for Beginners

Shield Insurance Blog | Insurance | Start a Quote Today!

What do I need to Know About Insurance?

Insurance is a crucial aspect of our lives that provides financial protection and peace of mind. Whether it’s car insurance, homeowners insurance, or any other type of insurance, understanding the basics is essential. In this blog post, we will explore the fundamental concepts of insurance, different types of insurance, and why it is important to have the right coverage.

Insurance is a contract between an individual or business and an insurance company. The individual or business pays a premium, and in return, the insurance company agrees to provide financial protection in the event of a covered loss. The purpose of insurance is to transfer the risk of potential financial loss from the insured to the insurance company.

Basic Terms and Definitions

To understand insurance better, it is essential to familiarize yourself with some basic terms and definitions. Here are a few key terms:

  • Premium: The amount of money paid to the insurance company for coverage.
  • Deductible: The amount the insured must pay out of pocket before the insurance company starts covering the loss.
  • Policy: The contract that outlines the terms and conditions of the insurance coverage.
  • Coverage: The specific protection provided by the insurance policy.
  • Claim: A request made by the insured to the insurance company for compensation for a covered loss.

Car Insurance for Beginners

Car insurance is one of the most common types of insurance that people need. It provides financial protection in case of accidents, theft, or damage to your vehicle. Here are a few things to consider when getting car insurance:

  • Liability Coverage: This coverage pays for damages and injuries you cause to others in an accident.
  • Collision Coverage: This coverage pays for damages to your vehicle in case of a collision.
  • Comprehensive Coverage: This coverage pays for damages to your vehicle caused by events other than collisions, such as theft or natural disasters.

Renters and Homeowners Coverage for Beginners

If you rent or own a home, it is crucial to have renters or homeowners insurance to protect your belongings and property. Here are a few key points to consider:

  • Renters Insurance: This type of insurance provides coverage for your personal belongings in case of theft, fire, or other covered events. It also provides liability coverage in case someone gets injured in your rented property.
  • Homeowners Insurance: This insurance covers your home and belongings against damage or loss caused by covered events. It also provides liability coverage and additional living expenses if your home becomes uninhabitable.

What other types of Insurance are there?

Apart from car insurance and homeowners/renters insurance, there are several other types of insurance that you may need depending on your circumstances. Some common types include:

  • Health Insurance: This insurance provides coverage for medical expenses and can help protect you from high healthcare costs.
  • Life Insurance: Life insurance provides financial protection to your loved ones in case of your death. It can help cover funeral expenses, pay off debts, and provide income replacement.
  • Disability Insurance: This insurance provides income replacement if you become disabled and are unable to work.
  • Umbrella Insurance: Umbrella insurance provides additional liability coverage beyond the limits of your other insurance policies. It can protect you from large lawsuits and claims.

Protection, Family, and Shield Agency

Insurance is all about protection, especially when it comes to your family and assets. Shield Insurance Agency understands the importance of having the right coverage and represents over 40 insurance companies to provide you with the best options. Whether you need car insurance, homeowners insurance, or any other type of insurance, Shield Insurance Agency can help.

Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK, and an agent will be in touch soon. Don’t wait until it’s too late – protect yourself and your loved ones with the right insurance coverage.


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Medicaid in Michigan: What You Need to Know

Medicaid in Michigan: What You Need to Know

Shield Insurance Blog | Medicaid in Michigan | Contact Brianna or Carlos for details! | Shield Quoting Portal

When it comes to health care, Medicaid in Michigan is one of the most important and beneficial programs available to residents. Understandably, many people have questions about Medicaid in Michigan, particularly when it comes to eligibility, services covered, and the unique circumstances surrounding the program. In this blog post, we’ll dive into what Medicaid is, who can qualify, what it covers, how it works, and more. We’ll also examine how Medicaid in Michigan responds to economic downturns and emergencies, and how residents feel about the program. Finally, we’ll explore how Shield Insurance Agency can help you find a plan that fits your budget and needs.

What is Medicaid?

Medicaid is a joint state and federal government program that serves as a social safety net for some of the nation’s most vulnerable populations. Medicaid provides a range of services from preventative care, to doctor’s visits and hospital stays, to long-term in-home and nursing home care. These services and the program’s specifics may vary across states.

Who Qualifies for Medicaid in Michigan?

The Medicaid program is broad in its range of eligible applicants. It is open to both children and adults with low- to moderate levels of income. In Michigan, the qualifications for … Medicaid income differ depending on family size, though applicants must also meet other factors such as age, residency, and assets.

What Does Medicaid Cover?

Medicaid in Michigan covers a range of services to its beneficiaries from hospital visits and physician services to long-term nursing home care and home health care. It also provides certain preventive care services, such as annual checkups, immunizations, vision, and dental care. Other services such as mental and behavioral health treatment and substance abuse treatment may also be covered.

How Does Medicaid in Michigan Work?

In Michigan, Medicaid works through a partnership between the Michigan Department of Health and Human Services (MDHHS) and several other organizations. MDHHS runs the program and sets guidelines, while individual counties are responsible for determining eligibility for Medicaid benefits and providing services. If an individual meets the requirements, they may receive services from local county agencies or from managed care organizations (MCOs), which are organizations that contract with the state to provide Medicaid-covered services.

What are Demonstration Waivers?

Demonstration waivers are federal waivers that can be applied for by states, allowing them to adopt Medicaid programs tailored to meet the needs of their constituents. States can design their own Medicaid programs based on the demonstration waiver, and these programs may include different eligibility criteria, benefits, and service delivery methods than those available under the traditional Medicaid program. Demonstration waivers must be approved by the federal government before they can go into effect.

How Does Medicaid Respond To Economic Downturns and Other Emergencies?

During challenging economic times, the Medicaid program can serve as an important piece of safety net to assist vulnerable populations. In response to the COVID-19 pandemic, the state of Michigan created an emergency assistance program to help people who were laid off, lost wages, or are otherwise financially disadvantaged due to the pandemic. This program allows qualifying applicants to receive enhanced Medicaid benefits.

How Does the Public Feel About Medicaid in Michigan?

In general, the public has a positive opinion of the Medicaid program as it helps those who need it the most. For individuals who are eligible, Medicaid can provide financial security and access to needed medical care that may not otherwise be available. Though some criticism does exist, Medicaid is a widely popular program and receives a considerable amount of public support.

Shield Insurance Agency: Finding the Right Plan for You

Shield Insurance Agency specializes in health care plans, including plans that provide Medicaid coverage in Michigan. Representing over 40 insurance companies, Shield Insurance Agency can help you find a plan that meets your needs and fits within your budget. To get started, contact Shield Insurance Agency at (616) 896-4600 for a free quote today, or you can start the quoting process by visiting our website and an agent will be in touch soon.

Shield Insurance Blog | Medicaid in Michigan | Contact Brianna or Carlos for details! | Shield Quoting Portal


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Meet the young graduate who lives in a nursing home

Nursing Home and the graduate who lives there

Positive News.com | by Oliver Balch | July 24, 2023 | Nursing Home | More Blog Articles

Meet the young graduate who lives in a nursing home

There aren’t many twentysomethings who would opt to live in an old people’s home, but for broke student Teun Toebes, it’s an experience that has changed his life – and the lives of his housemates

Cake, candles, banter, games, laughter, fresh air. Teun Toebes remembers his recent birthday as a total blast. He and his pals – Christi, Janny, Jopie, Ad. All of them just hang out, shooting the breeze, savoring the moment, and enjoying life.

It doesn’t bother him that they are all at least three times his age. Nor that they might have forgotten the event by now. They are his housemates. The people who this 24-year-old care ethics graduate has chosen to live with – first as a broke student researcher looking for a cheap room, now as a friend, ally, and campaigner.

Ad is his best friend in the care facility in the small Dutch town of Amstelveen that Toebes has called home for the last couple of years. As with all the venue’s elderly residents, Ad lives with dementia.

A former electrician and father of two, 78-year-old Ad is one of 55 million people worldwide with the condition. On average, most will live eight to 10 years after their initial diagnosis – the latter part of which many in the industrialized north will spend living in institutional care.

Toebes’ first exposure to the condition came as a 17-year-old intern in a local nursing home. Three years later, his great-aunt Greet was diagnosed with Alzheimer’s and came to live there. The serendipity allowed him to care for her directly, an experience that left him with a strange sense of privilege.

Despite Greet’s confusion, she read his moods and called him “my boy”; he, in turn, washed her, laughed with her, and, ultimately, coordinated her palliative care at the end. From that moment on, Toebes became convinced that it’s not only possible to connect with people with dementia but also to enjoy a lasting and reciprocal relationship.

Regrettably, that isn’t how institutional care in Europe and the UK works. Individuals like Greet stop being someone’s sister, someone’s neighbor, or someone’s lover; instead, they become someone primarily defined by their condition.

“Dehumanising” is the word Toebes comes back to most often to describe the situation. As he puts it: “I live together with the most beautiful 130 housemates, but they are all sorted together according to their dementia, the system sees them as the same.”

The most startling result of this logic is the restrictions. In Toebes’ facility, the doors are kept locked. Even access to the garden is restricted. So, for his birthday party, he had to request the key from the care home’s authorities. The latter cites understandable safety concerns, yet the parallels with the penitentiary system are as unavoidable as they are unfortunate. Hairdressers, doctors, dentists – all are brought into the facility, extreme risk-aversion means there are few opportunities for the residents to go out.

I live together with the most beautiful 130 housemates

Inside, protocols reign. If the temperature tops 30C, everyone must eat ice cream. The risk of salmonella means no soft-boiled eggs. ‘Care’ trumps ‘home’ every time, adds Toebes. Just consider the décor: a 200-meter-long corridor, easy-to-wipe tile flooring, strip lights everywhere, and walls with safety notices as decoration.

The effect of such a “surrealistic nobody’s land” on people’s identities is profound, he believes. Even the toilet habits of residents are monitored. ‘Firm’, ‘watery’, ‘discolored’: down it all goes, recorded in his housemates’ medical dossiers.

“If you’re reading in your mother’s records what kind of sh*t she has every day, then you will start seeing her more and more as a patient.

He doesn’t hold individual carers to blame. In a way, they too are subjects of a system that, as Toebes puts it, places “control and safety” above “happiness and being together”. To combat this, Toebes introduced Friday drinks, camping evenings, and trips to visit grown-up children for the residents, small things that have transformed the torpid atmosphere of the care home.

To kick off a conversation about what an alternative, people-centered dementia care might look like, Toebes has penned a book – The Housemates, out in English in August – already a No.1 bestseller in the Netherlands.

He recently set off on a tour of 11 countries on four continents to see how other nations approach dementia care, making a documentary that will be screened at a G20 summit on the disease later this year.

If we keep seeing the human being, he or she never really disappears

Each country adopts a slightly different strategy, he discovered. In South Korea, for instance, the emphasis weighs heavily on prevention through healthy lifestyle habits. In South Africa, the focus is on care within the family. In Moldova, residential care is not segregated by disease, meaning dementia-only facilities don’t exist.

His main takeaway lessons? Firstly, money alone won’t solve the problem. The UK spends £14.2bn a year caring for people living with dementia. That comes out of people’s taxes. Yet, it’s money for a system that no taxpayer in their right mind “would ever want to live in”.

An even more important lesson: everyone needs freedom and friendship, whatever their condition. Even if their mind is lost to dementia? Even then, he insists: “If we keep seeing the human being, he or she never really disappears.”

Positive News.com


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Choose a health insurance plan that meets your specific needs

Peace of Mind: Understanding the Importance of Health Insurance for Your Well-Being

Shield Insurance Blog | Health Insurance | Start a quote today! Contact Brianna or Carlos for help

Health insurance is an important aspect of life in Michigan. Understanding the different types of health insurance, key terms, availability, and cost is vital to finding the right policy for you. Shield Insurance Agency understands the importance of finding the best health insurance plan for you and they have the expertise to help determine the best coverage to fit your needs. Read on to learn more about health insurance in Michigan, including HMOs, PPOs, HRAs, HSAs, and more.

HMOs and PPOs

Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs) are two common types of health insurance. HMOs are health insurance plans that provide access to a network of healthcare providers and usually require referrals in order to see a specialist. PPOs also provide access to a network of healthcare providers, but they allow you to choose your own doctors and do not require referrals. Both have different structures that affect how much you pay for services and how much deductible and copayments you pay.

HRAs and HSAs

Health Reimbursement Arrangements (HRAs) are employer-provided plans that allow employees to set aside pre-tax dollars to use for eligible medical expenses. Health Savings Accounts (HSAs) are also employer-provided plans that allow employees to save pre-tax dollars to use for eligible medical expenses. They are similar to 401k accounts, in that investments are allowed and the money rolls over from year to year. Both of these accounts can be used to help pay for out-of-pocket medical expenses, such as copays and deductibles.

Key health insurance terms

When thinking about health insurance in Michigan, there are several key terms to keep in mind. Copayments (or copays) are fixed amounts that customers pay for services, such as doctor visits or prescriptions. Deductibles are the amount of money the customer pays out of pocket before the insurance company pays for services. Coinsurance is the percentage of costs the customer pays once the deductible is met.

How much does health insurance cost


The cost of health insurance is different for everyone depending on factors such as age, family size, location, and type of plan. Generally speaking, HMOs tend to be less expensive than PPOs, and the higher the deductible, the lower the monthly premium. Health insurance premiums also depend on whether or not you receive subsidies or tax credits. In Michigan, the average monthly premium for family coverage with an employer-sponsored plan is about $735.

What are the different health insurance metal levels are

Health insurance plans also differ from one another depending on their level of coverage. Platinum plans typically have the highest premiums but also the most coverage, while bronze plans have the lowest premiums with the least coverage. Silver and gold plans are in the middle, offering somewhere between the two extremes of platinum and bronze plans.

When you can buy health insurance

The Annual Open Enrollment Period (OEP) is the time when everyone can buy a health insurance plan or make changes to their existing plan. In Michigan, the OEP runs from November 1st through December 15th each year. If you miss the OEP, you can still buy coverage outside of open enrollment if you experience certain life events, such as marriage, the birth of a child, or a move to a different state.

Where you can buy health insurance

You can buy health insurance from Shield Insurance Agency which represents over 40 insurance companies and specializes in helping individuals and businesses find the right plan for them. They can help determine the best level of coverage and answer any questions you have about health insurance in Michigan. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon.

Health insurance in Michigan is an important aspect of life and it is essential to understand the types of health insurance, key terms, availability, and costs when shopping for a plan. Shield Insurance Agency has the expertise to help guide you through the process of finding the right policy for your needs and they can provide a free quote. For more information about health insurance in Michigan, contact Shield Insurance Agency at (616) 896-4600 today or visit this LINK to start the quoting process.


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500-Pound Bear REPEATEDLY Steals Candy From Gas Station

500-Pound Bear Repeatedly Steals Candy From Gas Station

SunnySkyz.com | June 22, 2023 | 500-Pound Bear | Business Insurance

Chocolate-Obsessed 500-Pound Bear REPEATEDLY Steals Candy From Gas Station

In an unusual turn of events, a mischievous bear has been causing quite a stir in Lake Tahoe, California.

The bear’s exploits first came to light when a surveillance camera captured footage of the furry culprit stealthily entering the convenience store during the late hours of the night.

After scaring the employee off, he made his way to the candy aisle, grabbed a bag os Snickers, and took off.

But once he got a taste of chocolate, he kept coming back for more…

From CBS NEWS:

Could it be the same 500-Pound Bear doing home break-ins? Meet Hank the Tank

South Lake Tahoe, California — DNA evidence now shows that a 500-pound black bear the public had nicknamed “Hank the Tank” — blamed for breaking into dozens of homes across the Tahoe Keys area — may be innocent.

The state Department of Fish and Wildlife on Thursday said there were three other bears responsible for damaging more than 30 properties that were originally linked solely to Hank.

The agency will soon begin trapping bears in the South Lake Tahoe area to tag the animals and collect evidence for genetic analysis. The bears will be released in a “suitable habitat” and the agency said no trapped animals will be euthanized as part of the project.

The bears are responsible for more than 150 incident reports in the region straddling Northern California and Nevada, including a break-in at a residence in the Tahoe Keys neighborhood last week.

Fish and Wildlife has concluded that Hank may not even be responsible for any of the break-ins over the last seven months, officials said on Thursday.

“Hank is not the culprit,” Bear League Director Ann Bryant told CBS San Francisco.

“Just like they say in the murder shows — you can’t argue with DNA!” she laughed.

Click Here to Meet Hank the Tank


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Delivery Man Saves Elderly Woman Stuck in Window

Stuck In Window For 5 Hours Delivery Man Saves Elderly Woman

FOX 13 Tampa Bay | June 29, 2023 | Stuck In Window | Home Insurance | Start A Quote!

A newspaper delivery man has become a local hero after he rescued a 78-year-old woman who had been stuck in a window for five agonizing hours.

The story unfolded when the woman, identified as Nancy Reyburn, found herself trapped in a precarious situation as she attempted to break into her own home through a window after she had locked herself out. In her desperate efforts to get inside, she became stuck.

“Because of surgery, I had with two hip replacements, I can’t get past mid-part of my leg,” Reyburn told Fox 13. “I’m reaching around the more moving I did, the worse I felt.”

Stuck In Window For 5 Hours

She was stuck in the window for five hours. No one could hear her and hope was running out.

“I was asking God, ‘please this is not the way I want to be found’,” Reyburn recalled.

And just when it seemed that all hope was lost, out of the corner of her eye, she saw the blinking orange light on top of Jose Sanchez’s car.

Sanchez said he was on his normal paper route early Tuesday morning when he heard screaming and saw Reyburn stuck in the window.

“How I screamed, I have no idea,” she said.

Sanchez stuck by her and called 911, and help was finally on the way. Some are calling him the neighborhood guardian angel.

“I’m touched, because I care for these people in this park, they’re like my family, and they’re retired, and I try to watch out for them,” Sanchez said.

“Yes, I do believe in angels and people are put in a place for that time and that night, morning was my time to be helped by Jose,” Reyburn added.

Watch the good news video below.


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Group Health Insurance

Group Health Insurance: Affordable Coverage

Shield Insurance Blog | Group Health Insurance | Contact Our Commercial Lines Dept

Group Health Insurance is a type of health insurance that is offered by an employer, union or association to its members while they are still working. It is a way for employers to provide their employees with affordable health insurance coverage, while also protecting them from the high costs of medical care.

What Does Group Health Insurance Cover?

Group Health Insurance typically covers a wide range of medical services, including doctor visits, hospital stays, prescription drugs, and preventive care. It may also cover mental health services, dental care, and vision care. The specific coverage will depend on the plan that is offered by the employer or organization.

How Does Business Health Insurance Work?

Group Health Insurance or Business Health Insurance works by pooling the risk of a large group of people together. This means that the cost of medical care is spread out among all the members of the group, which can help to lower the overall cost of health insurance. The employer or organization typically pays a portion of the premium, while the employee pays the rest.

When a member of the group needs medical care, they will typically visit a doctor or hospital that is part of the insurance network. The insurance company will then pay a portion of the cost of the medical care, while the member will be responsible for paying any deductibles or co-payments that are required.

What Are Examples of Coverage under Group Health Insurance?

Group Health Insurance typically covers a wide range of medical services, including:

  • Doctor visits
  • Hospital stays
  • Prescription drugs
  • Preventive care
  • Mental health services
  • Dental care
  • Vision care

The specific coverage will depend on the plan that is offered by the employer or organization.

What Types of Companies Offer Group Health Insurance?

Many different types of companies offer Group Health Insurance, including:

  • Large corporations
  • Small businesses
  • Non-profit organizations
  • Unions
  • Professional associations

If you are interested in obtaining Group Health Insurance for your employees or members, it is important to work with an experienced insurance agency that can help you find the right plan for your needs.

Shield Insurance Agency represents over 40 insurance companies and can help you find an affordable Group Health Insurance plan that provides the protection your employees or members need. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon.

In conclusion, Group Health Insurance is an important benefit that employers and organizations can offer to their employees or members. It provides affordable health insurance coverage and protection from the high costs of medical care. If you are interested in obtaining Group Health Insurance, it is important to work with an experienced insurance agency that can help you find the right plan for your needs. Contact Shield Insurance Agency today to learn more about your options.


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Swallowed By Whale

Kayakers Swallowed By Whale Live To Tell The Tale

Shield Insurance Blog | June 8, 2023 | Swallowed By Whale | Life Insurance | Start A Quote Today

VIDEO: Humpback whale almost swallows kayakers near a California beach

The two managed to escape unscathed, briefly going underwater after capsizing before reemerging.

Julie McSorley says she learned an important lesson after she and her friend ended up in a humpback’s mouth: “Whales need their space.”

McSorley and Liz Cottriel were kayaking together in California’s San Luis Obispo Bay watching the whales feed on silverfish when one of the massive sea creatures surfaced beneath them, toppling their kayak and knocking them into the water.

Videos and photos from other kayakers and paddlers appear to show the women and their kayak being momentarily engulfed in the whale’s mouth — though the two friends say it all happened too fast for them to be sure.

“It’s definitely woke me up to the realization that, you know, our place is not in the feeding zone of whales,” McSorley told As It Happens host Carol Off.

“We didn’t think we were that close, but we definitely were right in the area that we shouldn’t have been — so I’ve learned my lesson, big time.”

Swallowed By Whale

AVILA BEACH, Calif. — Two whale watchers had a close encounter while kayaking off the coast of Avila Beach, California, that they will likely never forget.

Julie McSorley and Liz Cottriel were watching humpback whales on Monday when one decided to get up close and personal. A whale came up underneath them and caused them to capsize.

“I saw the big pool of fish, the big bait ball come up out of the water,” McSorley told CNN affiliate KMPH. “I saw the whale come up. I thought, ‘Oh, no! It’s too close.'”

“All of a sudden, I lifted up, and I was in the water.”

Footage from a witness nearby makes it appear as if the kayakers are being swallowed by the whale, but the two just tipped over.

“The whale was right here in my face, literally,” Cottriel told KMPH.

“I’m thinking to myself, ‘I’m gonna push. Like, I’m gonna push a whale out of the way! It was the weirdest thought. I’m thinking, ‘I’m dead. I’m dead.’ I thought it was gonna land on me. Next thing I know, I’m underwater.”

The two managed to escape unscathed, briefly going underwater after capsizing before reemerging.

Humpback whales typically feed on krill and small fish, according to the National Oceanic and Atmospheric Administration (NOAA).

The NOAA says humpback whales are popular among whale watchers as they are active on the surface and often jump out and slap the water with their pectoral fins or tails.

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Father’s Day 2023 is Sun, Jun 18

Love your Daddy! This Sun, Jun 18, 2023, is Father’s Day!

HISTORY.COM | MAY 15, 2023 | Father’s Day | Recreational Insurance | Start a Quote Today!

The nation’s first Father’s Day was celebrated on June 19, 1910, in the state of Washington. However, it was not until 1972—58 years after President Woodrow Wilson made Mother’s Day official—that the day honoring fathers became a nationwide holiday in the United States. Father’s Day 2023 will occur on Sunday, June 18.

Mother’s Day: Inspiration for Father’s Day

The “Mother’s Day” we celebrate today has its origins in the peace-and-reconciliation campaigns of the post-Civil War era. During the 1860s, at the urging of activist Ann Reeves Jarvis, one divided West Virginia town celebrated “Mother’s Work Days” which brought together the mothers of Confederate and Union soldiers.

Did you know? There are more than 70 million fathers in the United States.

However, Mother’s Day did not become a commercial holiday until 1908, when–inspired by Jarvis’s daughter, Anna Jarvis, who wanted to honor her own mother by making Mother’s Day a national holiday–the John Wanamaker department store in Philadelphia sponsored a service dedicated to mothers in its auditorium.

Thanks in large part to this association with retailers, who saw great potential for profit in the holiday, Mother’s Day caught on right away. In 1909, 45 states observed the day, and in 1914, President Woodrow Wilson approved a resolution that made the second Sunday in May a holiday in honor of “that tender, gentle army, the mothers of America.”

FEATURED

Why the Founder of Mother’s Day Turned Against It

Anna Jarvis, who founded Mother’s Day in 1908, passionately opposed its growing commercialization and eventually campaigned against the holiday.

Origins of Father’s Day

The campaign to celebrate the nation’s fathers did not meet with the same enthusiasm–perhaps because, as one florist explained, “fathers haven’t the same sentimental appeal that mothers have.”

On July 5, 1908, a West Virginia church sponsored the nation’s first event explicitly in honor of fathers, a Sunday sermon in memory of the 362 men who had died in the previous December’s explosions at the Fairmont Coal Company mines in Monongah, but it was a one-time commemoration and not an annual holiday.

The next year, a Spokane, Washington, woman named Sonora Smart Dodd, one of six children raised by a widower, tried to establish an official equivalent to Mother’s Day for male parents. She went to local churches, the YMCA, shopkeepers and government officials to drum up support for her idea, and she was successful: Washington State celebrated the nation’s first statewide Father’s Day on June 19, 1910.

Slowly, the holiday spread. In 1916, President Wilson honored the day by using telegraph signals to unfurl a flag in Spokane when he pressed a button in Washington, D.C. In 1924, President Calvin Coolidge urged state governments to observe Father’s Day.

Today, the day honoring fathers is celebrated in the United States on the third Sunday of June: Father’s Day 2021 occurs on June 20.

In other countries–especially in Europe and Latin America–fathers are honored on St. Joseph’s Day, a traditional Catholic holiday that falls on March 19.

Click here to enjoy a fascinating video of several Founding Fathers


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