Insurance Guides: A Shopper's Guide To Pennsylvania Car Insurance
Pennsylvania No Fault Auto Insurance Laws: the laws of Pennsylvania are strict in case of the accidents. The law says that the insurance company will pay all the amount of injuries and other medical services regardless of who was responsible for the occurrence of the … Life Insurances A Beginners Guide to Life Insurance · Life Insurance UK – Ensuring The Security Of Your Family · Five Features of Term Life Insurance · A Beginners Guide to Life Insurance Car Insurances … read more…
UNUM LONG TERM DISABILITY MEDICAL HEALTH INSURANCE: DORKING NEWS …
UNUM LONG TERM DISABILITY MEDICAL HEALTH INSURANCE. This is one person’s story – my experience with disgraced health insurance company Unum Provident their illegal tactics, witch-hunts and how they have destroyed my life … read more…
Life insurance | Life Insurance
She has no medical insurance. What is wrong with her and what can we do? read more… Open Question: Hi, I need to find email newsletters relating to all types of Insurance, life, auto, home, cancer, help? … read more…
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Demystifying the Legal Technicalities Related To Personal Injury Cases.
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How to Protect Your Family
If you have children or dependants then it is worth considering taking out a life insurance policy particularly if they would not be able to support themselves when you are gone. The main thing to thi… read more…
From GoArticles.com
Voting Question: Should I Counsel My Friends To Get An Abortion? (Please Read The Details)?
They say they cannot make the decision alone, and as I was going to be the kids “Godparent”, they are firm in this decision and insist that I counsel them. So, as a friend, I have no choice.
They say that they value my opinion because of my education in religion (PhD, Religious Studies) and because we are friends.
They are expecting their second child and have discovered that the child, essentially has no brain (just enough to sustain involuntary neuromuscular activity (unstable heartbeat and limited lung function), it was conceived with a rare and unique encephalopathic disease.
The surgeons/specialists say that they can keep the child alive, but at considerable cost.
In addition, the child will absolutely not have the ability to think or any capacity to even move. It will never speak or hear, or see, or feel any touch – it will only lie in a bed for the duration of his life. The capabilities for any of this is outright impossible, as the parts of the brain that control these functions are completely gone.
This has been confirmed by a dozen other specialists.
They estimate that it will cost about $470,000 a year to keep the child alive (he has to be hooked up to an artificial lung and a heart pump, and have 24 hour monitoring).
This will bankrupt the family (even after the insurance help). The mother has bi-polar disorder and the father has a history of drug abuse. They considered adoption, however, no agency will take on the responsibility, nor has there been (among thousands of adoptive candidates) any interest whatsoever in this child.
Keeping the child will cause the family to have to sell everything they have, give their older daughter to be raised by her Grandparents and even though there has been humanitarian aid, it is not nearly enough to cover even the first year.
The child will have to be put on donor’s lists for vital organs, which will cause some more “normal” children who are lower on the list to die.
The child has just enough of a nervous system to maintain a heartbeat and lung development, but that is all. It is a guarantee that the child will never feel a touch, or even move. He will have no voluntary actions whatsoever. He will not have the capacity for any thought, emotion, nor will he ever feel any.
The doctors have said that it will be like having a dead person in the house – only he will require round-the-clock monitoring.
The child cannot be delivered and then not hooked up to life support (so that it may die naturally) as the doctors have a mandate to try to preserve the life, however they may, as the mother insists that if she delivers the child, she will not kill it. If the child is brought to term, they will try to keep him alive. Besides, to do this would be the exact same thing as aborting the child. If you withhold life-saving measures, you kill the child.
Their Baptist Pastor said that the child has no soul, as it cannot think – and it will never be able to make any decisions or repent or hear or see or have anything remotely related to an experience.
How do you think I should counsel my friends?
(I cannot give any more information than this, as they value their privacy and this is an unusual medical case)
MEG M,
WHy are you yelling?
I never said it was in AMERICA!
Where they are, it is illegal – and guess why? Because of Christian values implemented in government!
Resolved Question: Have you ever been depressed, stuck, eager to turn it around, but weren’t sure how best to go about it?
I’ll start by saying that this is a genuine question with the aim of drawing suggestions from others’ experience and strength, and I thank all genuine respondants from the bottom of my heart in advance. I will apologize, in advance, for its length, but I need to get it out, so I will use whatever resources I can to effect that, including edits. Those who have nothing intelligent to say, I implore you to move on to another question, as I can assure you that there are plenty of unintelligent questions out there begging for unintelligent answers. Contempt for blatant stupidity is a signature trait in any personality profile one might choose to construct for me.
I am a 37-year-old man who is married to (who I think is) the most wonderful woman I could hope to meet. I am deeply in love with her, and despite my own first-person concerns, she is the main reason I am reaching out to others in hopes of discovering (or, perhaps, being reintroduced to) ways to help turn around my situation.
I have been a chiropractor since 2003, and without going into a lengthy exposition as to my rationale, I have decided that I cannot practice chiropractic without violating my conscience. I have not practiced since October 2008, and I have since inactivated my license(s) to practice. My intermediate-to-long-term goal is to secure admission to medical school and to pursue that avenue, hopefully in a way that allows me to expand upon and integrate what I already know. I am very lucky to have married a woman who supports this position and, in fact, admires me for it (which is something I’m not sure I understand fully, considering what I put into it). My difficulty arises from what has been the short-term since discontinuing chiropractic practice. It is primarily economic, but my disposition, as a result, is turning me into someone I don’t like, and I know it has to be making it harder on the woman I love on a number of levels.
Economic prospects for most new chiropractors are bleak; I am happy to dispute virtually any governmental report that states otherwise. They aren’t the ones saddled with over $120K in debts with most employment offers (when they’re available) in and around the $36K-$40K per year range. Dave Ramsey has a word for people who take out those kinds of loans to earn that kind of salary: “stupid.” How I wish I had been a Dave Ramsey listener 10-15 years earlier with a better glimpse of the future. What I thought was a profession largely on the up-and-up is truly replete with criminals and deviants of a multitude of backgrounds. Making the decision to walk away from chiropractic wasn’t easy, as it involved me looking back and realizing that I made a major life decision based on recommendations and a gross dearth of facts and figures. I owned up, though, and decided to chart a new course, as it was the only way I could make things right in my mind. My short-term goal was to work on securing employment in the interim so as to maintain some form of income while fleshing out what would become my longer-term plan.
Employment opportunities for people who have a chiropractic education, I have found, are considerably scarce. I know that jobs, overall, are scarce now, but even more so for characters as pigeonholed as chiropractors. Prospects either wonder why on Earth you’d be applying at their establishment or they think you’re beneath pond scum. Either way, focus is taken off your need to work and placed on why you’re not in the field you studied so hard to enter. Any discussion that ensues derails the goal of getting hired even further.
I have been trying to attain employment in areas that would generally leverage what I already know, such as doing insurance exams for life insurance applicants. I’ve gone through their training, but they have yet to contact me to get me started, despite my patience and continued contact with them. And, by the way, it has nothing to do with a background check, as they wouldn’t have gotten me started with their training if there was a concern that came back on the report.
As we are in the process of refinancing our house for a lower interest rate, a friend suggested I look into becoming a contract mortgage closer, which doesn’t require any formalized training, according to her. I am looking into this, as well, but the process of gaining the necessary certification/credentials, despite not requiring formal training, is a time-consuming process, which, despite that truth, I have begun.
Not having meaningfully worked for a long time has truly worn on me and has deeply affected my mood and disposition. I don’t snap at my wife or anything, but I have become increasingly withdrawn and seemingly unable to say anything because I know that anytime I open my mouth, nothing positive is going to come out. I personally feel like a human concrete weight, and it is slowly (but ever more rapidly, lately) killing my soul.
Of course, I thank God for the fact that my wife is in (what seems
to be) a good job and we haven’t really gotten behind. It’s the small things I notice that serve as a reminder that I’m not pulling my weight, for reasons within or beyond my control – I don’t even know at this point. For example, the other day, she mentioned that she needed some of her work pants hemmed, and she wanted to take them to a local cleaner to have it done, but when she saw our bank balance, she got really quiet and somewhat distant. After some time, I was able to elicit from her that she is frustrated with our situation, but that she feels badly for even feeling that way. I know she didn’t want to say anything for fear of hurting my pride even more than it already is as a result of my situation, but I really hate not knowing what’s bothering her. I’d just as soon have her tell me flat-out and risk hurting my feelings. I’m from the Northeast, originally; I like to know where I stand with someone, even if it isn’t in their good graces.
Anyhow, the bottom line is that I believe that I am getting to a point of depression where it is beginning to interfere with my ability to function and my will to reach beyond my borders. I know, cognitively, that is counterproductive and I am considering seeing a physician regarding possible antidepressant therapy (God, who isn’t on that crap, nowadays?!), but in the meantime, I’m hoping that someone who reads this might have been in a similar situation (well, no, I’m not really wishing that on anyone – it’s just that if you’ve been there … you get my drift) and was able to find their way out of it successfully. I feel very disinclined, at the moment, to move. I feel trapped and very alone, despite the fact that I share this house with the most wonderful woman I know. I know this has to be indescribably hard for her, too, even just to watch.
I want to do what’s right for both of us. I don’t want to let myself or her down. I need some feedback and suggestions, and that’s why I put my life of late out there for all in Yahoo! Answers-land to read. I almost fear what may come back, but it’s a chance I’m willing to take. That far, at this point, I am willing to venture.
Again, I apologize for the length of this diatribe, but if you’ve made it this far, I would think you have a heart of gold, and I would be interested in your take, your feedback, your thoughts, and your experience, that which you would share.
Thank you so very much…
Voting Question: Do I have to sacrifice my privacy for life insurance?
I recently applied for life insurance through Zander Insurance recommended on the Dave Ramsey show (with Prudential as the underwriter) and my application was rejected on the basis of my refusal to sign an unaltered waiver granting Zander, Prudential and any other 3rd parties affiliated with them from sharing my medical information with the Medical Information Bureau and any other parties without my consent.
I completed a physical as required and I completely understand the insurance companies need to access and share that information with all the parties associated with underwriting my policy. What I don’t understand is the need to share that information with other parties who are not directly involved in underwriting my policy. Has anyone ever received a term life insurance policy without waiving their right to privacy in these matters? Can anyone offer any advice?
Mbrcatz – you fail to recognize I am granting full access to all my records to the company I am applying with. I signed the waiver. I just crossed out and initialized the line that gave them permission to share my information with other insurance companies thru the MIB.
Mr. Insurance Pickle – the line that really concerns me is “When a company presents you a form and tells you its required ….. its required,” Fortunately we still live in the United States of America and people who don’t think like sheep still have choices. The form might be required, but surely someone at Prudential or another insurance company recognizes the value of taking my money after they have done their do diligence and given me a physical and checked my medical records.
Where is the wisdom in jeopardizing my future insurance applications by signing away my right to privacy and allowing them to share my information with other insurance companies. I haven’t even been given the results of my physical yet.
No Medical Exam Term Life Insurance
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