| Critical Illness (insurance)
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Critical Illness
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Blue Cross Health Insurance is a popular choice
The Blue Cross Blue Shield trade organization provides some of the most popular medical insurance available. Through this trade organization, Blue Cross Health Insurance, links to nearly 40 independent, regional health insurance companies located in the United States. and Puerto Rico. Todays Blue Cross health insurance company, along with the Blue Shield company, both evolved from individual healt... Read insurance article
Bad Credit Home Loan To Get You Out Of Debt
A "bad credit home loan" can help you climb your way out of debt and get you started back on the road to upstanding, good credit. There are many lenders who are willing to make bad credit home loans to you - a loan based on your equity in your home even if your credit has slipped or isn't as perfect as it could be. By taking out a bad credit home mortgage or home equity loan, you can consolidate a... Read article
Critical Illness
Critical Illness Insurance is a health related condition such as heart attack, stroke, or invasive cancer where you have a good chance of surviving.
If you are diagnosed with a critical illness, you could be faced with:
Loss of income.
Medical expenses.
Home Alterations.
Personal Living Expenses.
Critical Illness insurance is designed to provide coverage upon first occurrence and diagnosis of a covered critical illness. This insurance can help you focus on recovery with peace of mind instead of worrying about how to make ends meet or draining savings set aside for later years. It provides a living benefit.
100% of the Benefit Amount is payable for:
Heart Attack
Stroke
Invasive Cancer
Major Organ Transplant
End-Stage Renal Failure
Advanced Alzheimer's Disease
Blindness
Deafness
Paralysis
Major Burns
Accidental Loss of Speech
25% of the Benefit Amount is payable for:
Cancer In Situ
Coronary Bypass Surgery
10% of the Benefit Amount is payable for:
Angioplasty
Benefits:
Coverage for a Lifetime.
Return of Premium Upon Death Feature.
No waiting Period on Most Covered Conditions.
Multiple Payment Benefit Feature.
Total permanent disability (TPD) benefit: You must be totally and permanently disabled for 12 months and unable to carry out at least 3 of the following 6 activities of daily living (ADLs), with or without the use of appropriate assistive devices:
Transferring: The ability to move from a bed to an upright chair or wheelchair or vice versa.
Mobility: The ability to move from one room to an adjoining room without requiring the physical assistance of another person.
Continence: The ability to voluntarily control bowel and bladder functions such as to maintain a satisfactory level of personal hygiene.
Dressing: The ability to put on, take off, secure and unfasten all garments and as appropriate, any braces, artificial limbs or other surgical appliances.
Feeding: The ability to feed oneself once food has been prepared and made available.
Washing: The ability to wash in the bath or shower (including getting into or out of the bath or shower) or wash satisfactorily by other means.
Your Critical illness insurance coverage can be worth more than just the face amount of your policy - up to 3 times the initial benefit amount!
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Your Car and Your Choice on Who Should Repair It
Regardless of how well we drive and watch out for the other guy the chances are you will make a visit to a collision repair facility every 7 years. The good news in the last statement would be the fact that you make the visit to the collision center rather than the hospital or worse yet the morgue.
Most individuals have no idea what to do or how to react once an accident has taken place. Sure most of us realize we should call law enforcement and medical care if needed but what next? Do we call a repair facility, do we let the insurance company tell us where to take the vehicle or do we leave it up to the tow truck?
We suggest you locate the most reputable shop in your local area and let them create you an estimate. The vast majority of all estimates are created using similar software (3 major estiamting software programs are used). The differences in any estimate should be very slight unless your estimator is experienced and knows to look for hidden damage on the vehicle. The most common practice is to look over the vehicle, assess the damage and submit an estimate to you or your insurance carrier. Typically the carrier will have one of their field personnel go to the shop and look over the vehicle with the shop estimator. (Negotiations usually take place at this juncture)
Experienced shops and insurance field adjustors will know to look for hidden damage behind the main panels and underneath. Sometimes a supplemental claim will be filed once the hidden damage is discovered.
One important factor when deciding on a repair facility is the method in which you are treated at the shop. Were you greeted by friendly employees who were dressed properly for the job? (Example: clean polo or button up shirt with the facilities name embroidered on the left or a dirty t-shirt extolling the virtues of street pharmaceuticals or beer) One can generally tell the quality of the repair by the quality of the outer office and employees. Collision repair is a very professional and highly skilled job which requires a lot of capital investment and investment in human relations. Well run shops will often have a waiting room resembling a Dr's office and there is good reason for this.
The vast majority of individuals involved in a motor vehicle accident have collision insurance. The insurance company by default is involved in our repair just as they are with our hospitalization. We have to make a co-pay (deductible) just like medical insurance and we expect the shop to eat the charges that exceed the allowable amount determined by the insurance carrier. The major difference would be that the shop has to repair the vehicle to our liking and keep it within the allowable amount of money as suggested by the insurance carrier.
Often there is much disagreement between the two parties as to what actually constitutes a quality repair. That is when we, as consumers, must get involved and demand a complete quality job. Again, choose the repair facility wisely and if there are discrepancies between what the shop wants to do versus what will be paid for by your insurance carrier you must get involved and demand a quality repair. You car is one of the largest investments you will make in your entire life. And your life depends on this vehicle performing properly and safely to protect you in case of an accident. It's your car and your choice where you get it repaired. Don't let any one tell you differently.
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