Life Insurance Policy Do You Have One For Protection | Hitchcock …
Life insurance has long been regarded as a great tool for financial protection offered to policyholders or their beneficiaries. However, in order to avail maximum benefits from a life insurance policy, the aware insurance shopper must … read more…
Term Life Insurance Coverage For You and Your Family Quick One …
Thus, it is imperative for buyers keen on term life insurance to understand what this type of policy offers, other benefits besides low costs of the premiums that make it a sound financial repayment plan for them. … read more…
Life Insurance Policy Do You Have One For Protection | One Better One
Life insurance policy is a financial protection plan that can offer whole or term (typically shorter span coverage of 10 to 30 years as compared to the longer tenure of whole life coverage policies) insurance for policyholders that is … read more…
From Google Blog Search
Getting to the Bottom of Term Life Insurance Rates
Everyone wants the best life insurance rate. That goes without saying. As a licensed term life insurance agent, I’m going to go the extra distance. I actually need some more life insurance and of cour… read more…
Builiding your own home: Who will I have to Deal with?
When building your own home, you may think you are doing you are going to do it all alone. The truth is most of the time you are actually going to have to rely on a lot of other people to make your dr… read more…
Couples Advised to Take Out Insurance
Insurance is vital if you are planning to move in with your partner to start a new life, according to a leading Irish body. Recent advice issued … read more…
From GoArticles.com
Open Question: Is this a Healthcare debate, or is this simply a “Stop Obama at all costs” campaign…I am somewhat confused.?
First,
US is 50th in Life Expectancy
US is 72nd in Level of Health
US is 24th in Healthy Life Expectancy
US is 37th in Health Care System according to WHO
My question is how is that the best Healthcare system in the world. I must say, at the end of the day people seem to be more concerned with stopping Obama than getting anything done.
2nd, Me personally, I come from a family that is lower middle class at best. I have worked since High School and I currently work and go to school. Everyone acts as if Insurance companies are great, when they need some real competition. I receive financial aid for school, was told until 25 I could be on parents insurance. I had a carwreck had to get rushed to the hospital and guess what? Yep, thats right. DROPPED, just like that. Haggled with them, and they tell you every reason why they can do it, and some other BS. Now i have bills up to my ears, and cannot afford to get through school, be solely independent and pay for expensive healthcare.
Step into my shoes, and then tell me the Insurance industry is oh so great, and no reform is needed and that the public option would be a bad thing. I dont believe the myths, I do my homework, so I know about the Death Panel BS, and the other BS of people getting taxed to the point their entire lifestyle changes…
Zahpod, for your information, I have not been employed 1 day since 2006, I graduated in 2004, went to College Full-time and then picked up a Job and went to school. I have a job at a corporation, and I have a Degree and currently working on my Masters Degree, I am a Member of a National Honor Society, so I am not dumb in no way. And I am sure I will have far more earning potential than YOU.
Open Question: Why hasn’t congress even thought of universal education instead of healthcare?
wouldn’t it be cheaper for the government to pay for people’s education so they can get out of there low paying jobs and either afford insurance or find a decent paying job? I mean if we are going to give free hand outs why not “teach a man how to fish” . Wouldn’t it be cheaper for the tax payer to pay for a 2 year vocational program cost 35 thousand dollars so that person can have a good job and manage there own healthcare instead of paying millions of tax dollars to someone who is dieing and has no healthcare? I know we are all suppose to be self sufficient and not sulk over our financial difficulties because most people have them and that’s just life but why can’t people just realize that many people even in america lack the means and the ability to be able to go to college because they don’t have parents who are familiar with education .
Open Question: I live with my disabled mom and we need help!?
I’m 20 years old, and have spent the past 2 years taking care of my disabled mother. I’ve had to put off college and a life of my own and this is very frustrating. I don’t know what to do anymore.
Here’s the situation. My mother is 54 years old, has diabetes and numerous leg and foot problems that have left her confined to a wheelchair for almost 10 years. One of her feet is very very misshapen from when she broke it. It’s very hard for diabetics to heal, and she had some very lousy doctors. She does not have use of that ankle anymore, and her foot is twisted in a way that it doesn’t look as thought she could stand on it or walk. Although she has used crutches to stand up and go to the bathroom or get in the shower for many years.
One month ago she leaned forward in her wheelchair to pick something up, slipped off, and broke her femur when she hit the floor. She had to go to the hospital, and they had to put a metal rod in her femur to hold it together. During the operation, while putting the rod in, the doctors broke her hip, and ended up having to fix that as well. They came back and told us it was because she had signs of osteoporosis and her bones were deteriorating. She is currently in physical therapy so she can come home soon.
Alright now that I’ve explained that, my problem is that we need help financially. My mom has continued to work even though she is in a wheelchair. I’ve suggested early retirement and so have her doctors and co-workers. She doesn’t see any other way to pay the bills than to continue working. My job, since I was in high school, has been to take care of her. I drive her to wherever she needs to go, I take care of her dogs, I do all the household chores, cook her meals, and help her get dressed and use the bathroom. My life is catering to her needs. I don’t get to go out with friends, or go to school, or hold a job. She IS my job.
But she pays the bills and she works. I wish this were not the case, but she sees no other way to make money or get medical insurance than to keep working, even though she does qualify for disability. She won’t go on disability because she says she can’t afford to live on what it would give her. I wish I could get a job or go to school, but it’s her doctor’s instructions that she have a full-time caretaker. I have to be with her every minute of every day should she need anything. I’m not putting her in a nursing home either, and there’s no one around who can help. No other family, and no friends.
A typical day for me is: Waking up around 5:30am, waking my mom up, helping her to the bathroom, getting her dressed and ready for work, and making her breakfast. Then I drive her to work, help her out of the car and into the building and to her classroom. I go home and spend the next 7-8 hours cleaning, doing laundry, running errands, feeding and watering the dogs and taking them out, and maybe I’ll get some time to relax before i have to go pick up my mom. Then I go get her, load her into the car, take her wherever she wants to go (even though I do all the grocery shopping and run all the errands, she still makes me take her to places like Walgreen’s just so she can look.) When we get home I take care of her needs, get her out of her work clothes and into whatever she will wear to bed that night, fix dinner, feed the dogs, take them out, clean up the kitchen, and take the trash out. By the time I’m done for the day it’s usually 8 or 9pm so I just watch TV with her until we both go to bed around 10 or 11.
I wish there were some way I could get paid to take care of her. I want her to quit working because it’s a lot of stress on her and I know she only does it for the money and the medical insurance. But I also do not want to get a job and hire some stranger to look after her or put her in a nursing home. She hates the idea of an elderly community anyway. Her dogs (4 miniature pinschers) are a LOT of work as they get into everything and make a mess constantly. I personally don’t like them, but they’re her “babies” so I look after them and put up with it.
Is there anything I could do to get financial help? We don’t qualify for food stamps because my mom makes too much. She claims me as a dependent on her taxes. One of her doctors told me about being a “provider”? But I don’t know what that is, and she wouldn’t give me any more information because she didn’t know. I’ve tried looking it up and found nothing. Her doctors are never much help. Most of them have been horrible and my mom has wanted to file lawsuits against them, but she never does. We live in a small town, and the better doctors that she should be seeing are at least a 3 hour drive away, and too expensive.
I really appreciate any help or advice on this. I know there’s people out there who know what it feels like to be in my shoes as they’ve gone through it with their aging parents. Sometimes you just feel so alone. Thank you for any help.
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