When To Shop Your Auto Insurance

Auto insurance companies can be quite amazing. I say that because they will do almost anything to get your business initially. Many times this includes offering you a rate that is competitive or lower than your currently paying.

So it really isn't the initial policy that you have to worry about.

But what happens when your premium comes up for renewal. Have you noticed increases that are unexplained. If you have not had any tickets, or major changes in your life such as adding a teenage driver or moving to a metropolitan area, then you really need to shop your insurance on an annual basis.

Auto insurance is just protection against what could happen in the future. The sad thing about it is that whenever you have a claim you can almost always expect a rate increase.

So what happens is people tend to not file a claim unless they absolutely must. This leads to them paying their insurance rates and hoping that they're getting the best rate.

With the Internet there's really no excuse for that, as you can compare your current policy against virtually every auto insurance company online. At the very least you should do this at least once a year before your policy updates.

If you don't like the service you're getting that is another reason that you may want to do some shopping. You are a valued customer and should be treated as such.

This is a couple tips on when to shop your auto insurance. The key is that you know what your coverage is now, what you are paying for it, and then take the time to compare that to see what it could be.

Why Buy Life Insurance

Life insurance is a type of insurance that pays a benefit upon the death of an insured person. Because everyone will eventually die it is important that you get life insurance coverage as soon as possible.

We never know when our time is up here on earth and having that peace of mind that there needs will be provided for is important to most people.

Here are 4 reasons you should carry life insurance.

1. Purchase it at a young age when your health is still good and you will be able to lock in an affordable rate. As your age increases you begin to experience health problems then you can expect to pay a higher rate.

2. Life insurance provides means for family members especially spouses. You want to make sure that you cover your basic obligations such as funeral costs, mortgage balance and any unpaid bills. Beyond that it may be worth it to provide adequate income for future years for your spouse to live off of.

3. Some life insurance policies offer an investment option. Depending on the cost, this may be the route to go as it will allow your premiums to develop future income for your family.

4. As you get older, your life insurance needs decrease. Many times your personal investments have grown, your mortgage is paid off, and your overall debt is at an all-time low. The amount of life insurance you need now is not as important as it was when you were younger.

This is four tips to keep in mind when you buy life insurance.

Life Insurance

NOTE: As of January 1, 2009 The Hartford has assumed the contract for LANS Life Insurance programs. Any claim date after Jan 1, 2009 will be handled by The Hartford. If the claim date is prior to Jan 1, 2009 then Prudential will process the claim.

About Your LANS-paid Life Insurance Benefits

Life insurance offers your dependents financial protection in the event of your death. LANS automatically provides basic life insurance coverage for all eligible employees. If you are eligible, you may buy additional coverage for both yourself and your family.

LANS plans are group term life plans, which mean they stay in effect for a certain term. In this case, the term is as long as you remain an eligible employee. Term life policies do not accumulate a cash value over time.

There are two LANS-paid life insurance plans, Basic Life and Core Life, which provide a minimum amount of coverage. The amount of coverage varies, and you are automatically covered by the plan for which you qualify. The Basic Life plan provides life insurance equal to your annual base salary, up to $50,000. The Core Life plan provides $5,000 of life insurance.

Enrollment

If you are eligible for Full benefits, you are automatically enrolled in Basic Life insurance. If you are eligible for Mid-Level or Core benefits, you are automatically enrolled in Core Life insurance. You do not need to complete an enrollment form.

If you are enrolling in life insurance because of a family status change (e.g., marriage or birth of a child), the beginning of the period of initial eligibility (PIE) will be the date of the qualifying event (e.g., date of marriage or date of the child's birth).

If you enroll after your PIE, you must submit a statement of health to the insurance company. A statement of health is an application that informs the insurance company about your medical history. The insurance company may or may not accept your request for coverage based on the statement of health. (Note: LANS's life insurance plans carry no restrictions for preexisting conditions.)

You may not enroll family members in this plan, nor is it available to retirees.

Beneficiaries

All LANS employees must designate at least one beneficiary for their insurance elections. If no beneficiary is named, benefits will be paid to the first survivor in this list (in order):

1. Employee's legal spouse
2. Employee's children - in equal shares
3. Employee's parents - in equal shares, or
4. Employee's brothers and sisters - in equal shares

If none of these people survives the employee, benefits will be paid to the employee's estate.

For more information on beneficiaries, or how to designate them, go to our

Work Status Changes

Increase in salary

If your salary increases during the calendar year, life insurance coverage will not automatically increase to reflect a higher salary until the following January 1.

For example, as a Lab graduate research assistant (GRA), your salary on January 1 is $35,000. In March, you accept a full-time LANS Regular position and your salary increases to $65,000. Your coverage amount will not change until the following January 1. However, if you have a break in service between your GRA position and the LANS regular position, you are considered a new hire. If your new salary is $65,000, then your coverage amount would be based on the $65,000.

Full time to part time

If you change from full time to part time, your life insurance coverage is based on the full-time salary rate for your position as of January 1 of the current year, even if you work part time. Coverage will not automatically be reduced if your full-time salary rate is reduced.

Retirement

If you retire, you may not continue coverage into retirement, but you may be able to convert your group insurance coverage to an individual policy. Your Benefits Representative will provide you with all the information during your retirement election meeting.

This is only an overview of the Life insurance plan.

Questions? Contact the Lab's Benefits Office at 505-667-1806.

6 It should know when buying Life Insurance first

1. Understand why Cần Buy Insurance
Most of all we need life insurance at a time in life, but never purchased insurance because hearing other people say it is a good idea. Life insurance is designed to give families a full financial security in case the wife or husband having to uncertainties, or when your parents have to uncertainties. Life insurance can help pay the house, money for college, help supplement retirement funds, to a property here at the same time is another important factor in plan assets. In short, if you have a relative to your income, you should think of life insurance. Even if you think you have no need now, you still should think of buying with a small amount as a starting point. Because, as the child life insurance as cheap.

2. Amount determined Insurance required
The amount that families or inherit will receive after your death is called the amount of insurance. To determine the amount of insurance need, you can use a computer on the network or New York Life www.insure.com network. After using the computer, you will get one guess yourself. Easiest method to obtain the amount of annual salary to 8. Method in more detail as all the monthly charges which family you must pay after you meet uncertainties. Remember always to be public costs and consequences of spending it on home, and fees. Retrieved total monthly charges for that 0:07. This figure indicates that 7% of the total money will be used to pay for monthly charges. Get that amount plus the costs need to pay once, you will estimate the amount of life insurance need. Yes you can measure the amount of life insurance need when using the computer, but the machines that you can not. It can not give you an answer last. Computer only for you the whole "on theory" but are based on the facts are different, the computer will give the different results. Should only use the computer to learn more about how to calculate the amount of life insurance products and other financial, however, you will feel more secure when you talk to a professional as representative by New York Life.

3. Please Choose a Type of Agreement Matches
Once the amount has been estimated for life insurance, should think of the kind which suit your needs. Today, life insurance becomes more diverse and plentiful, but they also have the 4 basic types of life that is periodic, life for life, full of life, and life have changed. One of 4 basic types will match the buy life insurance first.

Life Insurance Dinh Ky
Insurance period will only provide protection in a given period of time. The amount of insurance can be used to liquidate the debt and when you encounter the uncertainties. Life insurance regular insurance is less expensive and enjoy the pure amount of insurance. This agreement will not accumulate cash, and often do not receive a share.

Insurance period may be an ideal choice when you get the time needed insurance. This agreement can only protection needs only exist in a certain time, such as university funds or loan money home loan. Those aged 20 to 30 usually buy insurance period and conversion through life insurance (Insurance Through reading For the bottom). Conversion rights for the period to ensure that they can convert any of the health status is.

New York Life has many types of insurance such as 5-year period, 10 years and 20 years.

Life Insurance For Suốt
Opposed to regular insurance, life insurance will protect you throughout life from start to purchase insurance to go, and of course the conditions have to pay regularly. The difference is the second life insurance life accrue cash value. Form of a loan from the contract, you can use the cash value to the objectives for the various funds and cash funds for additional retirement income. However, you must pay on borrowed money and borrowed money with the convenience will be deducted from the amount insured. Contract for life insurance guaranteed throughout the life of you, regardless of health status as when alive and of course must be closed to regular fees.

Contract for life insurance qualify to receive money pass. Pass money is money that a company drawn from surplus funds and are for the owner. (Money's share can be used under many different methods such as cash received, or used to pay the premium monthly, or accrued to a receipt, or used to purchase additional life insurance prepaid full insurance coverage. Tiền pass does not guarantee.) Life insurance for life offer a lasting solution to the financial worries such as:
* Pay the debt: the amount of insurance can be used to pay debt and cut the debt in case you are having uncertainties
* Conservation of assets: life insurance life can bring money to pay the cost of housing and help from having to sell assets or borrow money to pay expenses
* Pension Fund: cash value can be drawn through the method of loan terms, or to supplement retirement income. Loan amount will be deducted from the amount of insurance
* Money Charity: the life insurance for life can help you contribute to charitable funds that popular after death
* Business needs: life insurance for life can be a valuable benefit for managers and staff to ensure the future financial enterprises
New York Life provides the life insurance life diverse as Life Insurance Conversion (Modified Premium Whole Life), and Life Insurance For Life (Survivorship Whole Life).

Life insurance whole Năng
Life insurance to provide full protection for life and accumulated cash value basis should postpone the tax. Life insurance with all the other life insurance points in life that you can choose the amount of insurance is suitable for families. With life insurance to all, you can increase or decrease the amount of insurance you need to change and can check the times of payment of fees. The contract can be designed with additional terms to suit the lifestyle of each person.

Life Insurance Most variable
Life insurance has variable flexibility in the amount of closing costs, the life insurance life allows the owner to divide the premium into a variety of different investments, including fixed account. Life insurance usually has variable provide insurance money on the basic income tax exemption, the cash value increases on the basis refunds, and can be withdrawn through the method of borrowing or withdrawing money, the This may reduce the amount of insurance. Loan amount and you'll be deducted from the amount insured. The amount drawn will also reduce the amount of insurance, cash value and may have to pay.

4. Evaluation capacity of the Company
Insurance contract is only good when a company has good support. You should look away from the company's release of the still existing in the future to serve and make the promise to pay insurance when needed. To help see the company is strong, the organization evaluates Financial capacity has ratings of insurance companies based on the quality of the gym, the quality of the investment method, and financial cover. The ranking is considered as the independent evaluation of the ability to pay insurance compensation in time and financial obligations other. This is the core of a company life insurance. 4 organization capacity evaluation leading Financial: AM Best, Standard and Poors, Moody's and Fitch.

Each organization evaluated based on criteria quite different. When looking at the ranking of a company will help you look on the general financial strength of that company. 4 Organization has ranked New York Life to the highest ranking.

5. Reference to Representative
Representative to bring an invaluable service. First, representative to help you analyze the factors that "people" and into items of insurance to help determine the amount of insurance need. The relationship between representative and client relationship is eternal. 2, the representative can help you update the amount the insurance needs change. They can also help guide decisions about finances, reduce a burden in life. Click here to have discussions with representatives New York Life.

6. Understand words expert
The discussions on insurance will include words such as cash value, insurance coverage, divided by money, insurance money, and more. To discuss a master, here's a short summary part of the terms used.
* Cash Value: in life insurance for life, it means that the amount accumulated on the
* A Division of Money: A surplus of the company divided by the owner of the
* Support the Company: An insurance company has no stock or shareholders, as it is the owner. New York Life is a mutual company
* Insurance coverage in the insurance, the amount is limited to keep the contract value
If you have any questions about this article or product by New York Life? Please call toll free 1-877-NYL-VIET (1-877-695-8438) for a discussion with representatives New York Life.

The offering documents (policies, contracts) for all New York Life and its subsidiaries products are available only in English. In the event of a dispute, the provision in the policies and contracts will prevail.
Documents (rules, contracts) and products by New York Life and branches of New York Life provided only in English. In case of dispute, the terms in the rules and used the official.

Conditions and procedures for transfer of coverage between 02 ...

57 questions. Conditions and procedures for transfer of coverage between 02 DNBH specified how to ensure the benefits of buying insurance?

Answer:

The transfer from HDBH DNBH to other DNBH must comply with the conditions and procedures to allow KDBH Law. Article 75 Law KDBH stipulated conditions of the transfer HDBH as follows:

"The transfer of insurance contracts are made on the following conditions:

1. Business insurance franchisee business insurance business to be transferred;

2. The rights and obligations under insurance contracts to be transferred does not change until the expiry of the insurance;

3. The transfer of the insurance must be accompanied by the transfer of funds and for services related to all insurance contracts are transferred. "

Article 76 Law KDBH rules of procedure transfer HDBH as follows:

"The transfer of the insurance is done by following procedures:

1. Insurance business transfer contract of insurance must have the proposal to transfer the insurance to send the Ministry of Finance reason, plan transfer, accompanied by the transfer. The transfer of the insurance only be conducted after the Ministry of Finance approved in writing;

2. Within 30 days after the Ministry of Finance approved the transfer of insurance business transfer contract of insurance must be published on the transfer and notify the buyer of insurance in writing. "

Defining the contents and conditions of transfer of such insurance is to guarantee rights and benefit customers buy insurance even in the worst situation occurs.

Persons requiring insurance is purchased by insurance companies

13/12/2007
Question 2. Persons requiring insurance is insurance purchased by insurance companies not operating in Vietnam or not? DNBH must be qualified to perform what commitments with customers?

Answer:
- Organizations and individuals with insurance needs are involved in insurance business insurance activities in Vietnam.

- Business insurance must ensure the requirements of finance to implement their commitments for the purchase of insurance. (Article 6 Law BH KD) Guidelines insurance participation is in Decree 45CP 27 months 3, 2007 guiding the implementation of the Law KD insurance (Article 3 of Decree 45 CP) as follows

"1. Organizations and individuals want to business insurance, business insurance, active insurance brokers in Vietnam is the Ministry of Finance license the establishment and operation as stipulated by Law Business insurance .

2. Organizations and individuals with insurance needs with a choice of insurance companies and are only involved in insurance business insurance are allowed to work in Vietnam. No organization or individual is allowed to interfere with illegal choice to business insurance, business insurance brokers buyer's premium "

This is to protect the interests of customers to buy insurance because the insurance companies operating in Vietnam is state management closely, being governed by the laws of Vietnam. If disputes occur, the buyer of insurance may give Vietnam court hearing.

Mobile insurance: Who benefits?

_dtdd.jpgTu day 15-12, packet phone insurance company insurance cooperation with AAA and Vinasure system supermarket mobile phone (Mobile) Telecommunications A formal release.

Quite popular in England and America, but now, the form of insurance, this new start implementing in Vietnam. This is also the first insurance company in the country applied, the 3 Group is Vinasure fact assessment and resolution when problems occur.

During the first program only applies to customers buying new products at the supermarket system of Mobile Telecommunications A. The product was old or notebook to not participate in this program. After participating in the insurance, if mobile phone is stolen, losses due to unexpected accidents, by country ... customers will be repaired free of charge or compensation by the co-branded mobile phone, the features or compensation in cash but not to exceed 17 million in the case can not be replaced by co-branded mobile phone. It is noted that only those situations device harmless because of the impact outside the individual or a non-slip body's free (to forget, to take), that the witnesses are compensation applied. Consequences of damage by natural disasters Mobile is not resolved.

Besides, the cost of package insurance is also quite high. For example with a mobile phone worth more than 510,000 Vietnamese Dong had to spend additional 200,000 VND / year for insurance. Mobile Phones with available from 16,320,000 VND to 17 million, the cost that customers pay up to 3,226,000 VND / year, equivalent to a phone line high fashion high. Nguyen Thi Thanh Huyen, chief development project insurance products for this, surely the cost of package insurance is high because the risk of unexpected problems cause loss or loss of the device is very large.

Once found stolen mobile phone, customers should contact the provider network is not slower than 12 hours after the work, taken with the police would not confirm the delay more than 24 hours and contact managers are not slower than 48 hours. However, according to Mr. Luong Hong Thap, Head of development of new products, insurance companies AAA, the duration of review and resolution of repair customer damage lasts from 7 to 10 days from receiving fully valid paperwork. Time pending insurance, customers will have to rotate the bucket to media contact.

Mobile has become the objects can not be missing every day, not including the face with the report simply does not advance public safety agencies. With the cost and waiting time as, a customer with salty that form this insurance? As N.'s Village, a customer of a Telecommunications, instead of buying insurance for a phone worth 17 million, kept the money to buy it "subject" Nokia 6300, or face the loss of problem is also the right to use, also see it more.

Should review the contract of insurance hous

Just then, a forest fire risk was missing thousands of samples in some areas north of the city Los Angeles. This area has houses expensive money million. First few months of this year, some houses in the city Laguna Beach, Orange, and dip valley after some drencher before making land subsidence. Area is also home worth a two million dollars.

California has three natural disasters causing much damage especially earthquakes, land and forest fire sequence. Types of natural disasters are causing more significant damage, both the network and physical assets, if the disaster to happen in this area of the trees.

In the East, to avoid the earthquake, the storm was. In August and September 2005, two match Katrina and Rita storm damage estimated at more than 100 million dollars. Private insurance industry will pay out about $ 34 billion dollars, the number of most its the insurance industry to compensation for a disaster.

Any houses yet, the building will have some coverage of natural disasters and accidents basis. This is required to purchase the home. Sponsors will not loan money to buy a home if the loan would not buy insurance for your home. Because if the destruction was by a natural disaster is, the more the debt will not be able to pay more in debt when they lose business products.

But a majority owner of the house may know or not know that their home was not covered enough for many (not May after a disaster) has money to build houses.

According to the company Marshall & Swift, a company specializing in cost of construction, nearly 6 in 10 houses in the state Louisiana was not home to buy full insurance (underinsured). Similarly, just after the company (headquartered in Los Angeles) said that nearly 60% of houses across the United States was not fully insured. Also say that lack of insurance to start, this company said that average is about 22%. This means that if necessary the amount $ 300,000 to build the house was a disaster destruction, people only buy insurance and that compensation has been $ 234,000.

This figure is very significant and alarming people to review the insurance contract. Construction materials, labor cost, as we all know, increased very rapidly in recent times. Without insurance compensation enough to be building a new home, homeowners will face great difficulties. One side must continue to pay debt for financing the company, on the other, not enough money to build the home.

So who is responsible for the review of the insurance contract? Main house owner, not anyone else. Insurance or employees of their duties have not terminated exchange customers to purchase additional insurance for the full replacement value (replacement cost) of the house. Main owner must know that the insurance you are, whether there is enough to build houses when other natural disasters may not, or a fire because that's, to enter.

How is most appropriate?

Do you want insurance compensation amount is not enough to reconstruct the house and the furniture has been the destruction? Furthermore, you want insurance to provide money for your family staying elsewhere (hotel, rent house) temporary home after the destruction? Then again all the responsibilities of owners (liability) if someone other than family injury present in your home when the disaster occurred or accident?

Typically, the insurance company based on the area of the house to determine the construction cost to replace (replacement costs). But the company Marshall & Swift (with experience has been 75 years) said that the calculation method of construction costs based on all the parts of the house (total component formula) is more accurate. This company has a program computing the total gộp all parts, components of the house with the structure and material architectures characterized by them to calculate the actual cost of a home.

Only to remove the $ 19.95 the company Marshall & Swift can provide to anyone (via Internet) to the ability of their expertise, based on the special characteristics of the house you owned, a analysis and cost money to start, based on rules of construction (building codes), labor cost, material cost of each locality to replace in case of the destruction. Estimate copies this host a basis for discussion with the office of your insurance about the need to adjust appropriately.

To help you easily decide more, the company said on a number of questions. If your answer is "yes" to one of the questions below, call the office for your insurance.

- Are you smoking the page, as more (significant home improvement) for the house not? Example: How to room, upstairs, replace the entire bathroom, kitchen with expensive materials, etc. ..

- From the first time (calculating the cost to replace the house with representatives insurers) to now, has not exceed 12 months? Furthermore, the calculations have focused on the characteristics of the home that you owned or not?

- Value in the areas of the house you have to increase very rapidly in recent times or not?

- Your home is the value of history or not?

Copy of your insurance you have to include all land located beneath the house or not? If so, such a legacy. Value of land is not in the home insurance.

You certainly know that insurers will come to you in those cases separately as fire, storm, flood, earthquake, just lốc, the chain etc. .. home if your damaged completely?

Do you know how much the types of furniture in the house your insurance or not? Most of the insurance compensation only by a rate based on the replacement cost of the house structure. If this is the case, you did not buy enough insurance for obvious it did not help with the acquisition were similar destruction.

Select insurance program for Medicare Part D? Print E-mail

Drug benefits are many and who should not join the drug insurance?

Houston (NN) - In America 43 million people eligible to join the Insurance News medications Medicare Part D (abbreviated as MPD), but according to estimates by the authorities, there are probably only 29 million will apply. The reason is that the program is too complex and difficult to understand, on the other has too many programs by hundreds of insurers that provide cause people like to be at glamor match, do not know which side to choose to send "gold". Houston in particular has 20 insurers with 47 different programs. ABC Radio has interviewed three people by the doctors of all three counters are shaking head back. Mr. Jan Blustein, Medical doctor, PhD in Public Management, professor at the University of New York said: "the situation to choose from and different circumstances of each person is set as we entered the beginning". Today has two articles on MPD still feel readers need more information to find a program appropriate for your circumstances. So that more messages below.

For readers can compare programs and find the program of your circumstances, we would offer a different case:

1. Mr. X per month $ 80 target for drug money (by prescription). If not joined the MPD at all the drug money he spent, each year is $ 960. If he choose insurance program by AARP MedicareRx drug:

- Insurance (premium) is $ 28.50 / month $ 339/nam News.
- He does not have to pay $ 250 deductible money (to pay for his AARP).
- Money co-pay about $ 420.

Thus, if the program chosen by the AARP, he takes the $ 339 + $ 420 = $ 759. So Mr. X saved: $ 960 - $ 759 = $ 201.

If Mr. X select the insurance of Advantage Rx Value Plan is to reduce how much?

- Money offered by the employer premium is $ 23, 24 / $ 279 monthly News.
- Expenses deductible is $ 0 (because the employers pay for their deductible).
- Money co-pay, if a generic drug is $ 12/thang even $ 144 per year or $ 42/thang if brand name is $ 504/nam News.
- So he saved from $ 537 to $ 177 depending on the generic drugs or brand name.

From the two examples we see when selecting the insurance do we need to know which drugs have to pay co-pay at least by searching the title of the table medications are approved by Medicare (Formulary).

In the table title Formulary, drugs are classified into four grades:

- Tier 1: the drug co-pay at least: from $ 0 to $ 25 depending on insurance.
- Tier 2: cash co-pay from $ 20 to $ 40 depending on insurance.
- Tier 3 co-pay from $ 35 to $ 70 depending on insurance
- Specialty tier (SP) is co-employers to pay 25%, employers are not that co-pay is how much.

Over here we just compare the two employers, while employers have to 20 times. Each insurance funds co-pay should be different want to compare all the employers is a "smoking in the bar."
If you are proficient in computer use may be on the Medicare website. Generally perform the steps as follows:

Website: www.medicare.gov

- Click for "Compare Prescription drug plan"
- Fill in the righthand frame: the number of Medicare, their date of birth, date of your Medicare effective.
- Zip code
- Then select the insurance you want to know
- Then enter the name of his drug use.

You will know the money premium, deductible, co-pay.

Formulary want the table back to the website first and click on "formulary checker.

2. Mr. Y was involved in the Medicare Avantage (like an HMO or PPO). Medicare Advantage program have paid for prescription drugs and then he. If he joined an insurance program, the other medicine he may be terminated Medicare Advantage insurance and he's in this case the insurance of the hospital and his doctors were terminated.

3. Mr. Z is still covered by medical manufacturer that he is working or is not he should join the MPD. He should consult with your insurance carrier to ask their opinions.

In summary:

- If the amount of medication (prescribed) by the less you should choose the program that funds low premium and no deductible to pay.
- When your doctor commitment by the Formulary to ask your doctor for drugs they have to pay co-pay at least (tier 1).
- Each insurance carrier associated with a pharmacy, the medication must be purchased in system pharmacy insurance by themselves.

Remember:

- Not to offer (salesperson) that personal information such as your social security number, and bank account, etc. ..
- Do not offer for the home.
- Do not condescension solicitor signed the application for the insurance program.
- With gold because you are very much time to "research" (deadline is 15 5 in 2006).
- There are many agencies and organizations ready to help you fill out and insurance.
If you do not use computer experts, do not "have" and ask "children" to help the organization by Kaiser Family Foundation Harvard School belongs to because the 76% If you dont't never to the internet.

Report on migrant visa by 12 months of 2005.

Following the announcement of visa Center National (National Visa Center) on the due date visa (cut-off date) by the application resided in the U.S. from the family (family based immigrant) by 12 months 2005:

F1 (single 21-year-old who has citizenship): 22 tháng 4, 2001
F2A (spouse and single children under the age of 21 permanent staff): 1 1, 2002
F2B (single from 21 years of age by permanent residents): 8 in 6 in 1996.
F3 (I have family who has citizenship): 8 Months 6 1998
F4 (brothers and sisters of the nationality): 1 in 5 in 1994.

Canada introduction system of health insurance private E-mail Print

TORONTO, Canada - The Canada very long time still proud of the health system's public, and is regarded as a symbol of national values, and often look system of private insurance in the United States as a disadvantage.

But this supreme court decision was Canada that need a system health insurance to private insurance with public health. With this decision, we puncture the wild and bring not know the future of health insurance in Canada to start.

First, the decision can spring a debate in the gay gắt authorities in order to improve the chronic problem, the wait is too long a list operation, testing and treatment . Some experts believe that this decision will then bring the system to a private insurance combined insurance with public health.

Doctor Albert Schumcher, President Medical Association Canada, speech, "For the rights of our, this decision is a very stringent about how their operating system. I hope that this place will bring us to go to a system of private insurance. The word 'private' is always the politicians considered a bad word, associated with the United States and means' the only profitable, but not necessarily always be so. "

All started with a doctor any man, Mr. Jacques Chaoulli and his patient George Zeliotis is a traders retired, Quebec residents. He was waiting near a newly years to the list instead of surgery hipbone.

In a decision decomposed, sovereign Canada France Institute recently recorded a wait list for treatment it is too long, that is not acceptable, cause too many patients suffer or die before treatment. The supreme judge has rejected an act prohibited by the Quebec manufacturer of private health insurance are the cases of insurance the government provide. By sovereign decision of France, the patient as he should be Zeliotis go outside the public system and pay to enjoy the timely treatment through health insurance private.

Doctor Schumacher speech, "There are tens of thousands of cases he is Zeliotis whine because they must wait." For example, the patient he must have belonged to Detroit states neighboring United States and the equipment bags of money to pay taken 'CAT scans' within 6 days, instead of waiting 6 months in Canada. "(DP)

Insurance coverage and the problem Landmarks Print E-mail

Every year at the summer house owner is concerned the cost of insurance increases. Five rate increases approximately this high level of inflation. There are years, like last year, the rate of growth exceed the inflation rate increases as much 7.4%. This year the popular organs of Insurance Insurance Information Institute, the rate of increase of cost of accidents, only 2.8%, the increase in at least five years.

Any reason the insurers to increase insurance coverage by only 1 / 3 last year this year?

According to BusinessWeek magazine, issue number 21 tháng 6, 2004 There are two main reasons leading to price increases of the cost less in 2004.

The first reason is because the administration of the insurance nationwide United States just breathing phào light when the group decided by 46 government states the responsibility of the insurance companies.

Decision for this important that insurance companies are not forced responsibility for the claim related to Landmarks of cats, ie "mold," mọc inside.

In the past month results of a study on harmful effects of landmarks must be announced. According to a landmark study this is not harmful to human health as many mistook before.

Due to the claim of harm's landmark home in which the insurer had to indemnify the $ 3 billion dollars in 2002 to make cost-free in 2003, skyrocketing significant.

The second is for the owner to purchase additional insurance against terrorism họa in 2003 decreased more than in 2002. Part because Americans think that the rate họa terrorism occurred in the United States not as high they fear the period immediately following the terrorist attacks 11 months 9 days, 2001.

Họa terrorism that we can not control the time and effort to prevent the country and each locality concerned the reduction can hope times have not attacked any other.

Landmarks problem is not cats but are the responsibility of the insurance is still the responsibility of the owner whether you are home or continue to reside in the house with them landmarks. Deliberate a little people can find them before becoming victims of a biological process in normal this time.

According to Jeffrey C. May, an expert on air quality and co-author of the book My House Is Killing Me! and The Mold Survival Guide, by the company Johns Hopkins University Press published, the owner should pay attention to some of the following to stopping them landmarks in their home.

The signs of the grass: If you see in the scent to smell like moist Landmarks and if friends, relatives for clothing your fuggy you to note where to find landmarks in the house. This is especially necessary if you are sick cough, asthma (asthma) and lean nose (Sinus) that in Indonesia the disease has not found out the disease seems more severe. Many people are allergic to them attacks on landmarks which may cause only a landmark onion west or damaged pipe in the Air is mọc landmark.

Landmarks are often the most stimulating students: If you are in the system air-conditioning the whole house landmark often spread more easily. Next to the heating pipe for this system have to run to the low humidity in the house. When steam pipes keep water đọng time opportunities will increase mọc landmark. At the turn air conditioners or air heating you create opportunities for landmark clusters spread elsewhere in the system pipe to this spread, or the house.

In the basement have: Approximately 90% of carpet covering the ground in the basement (usually common in the East and Central America) are usually grass, the type of germs, or exclude students or other materials, according to Mr. Jeffrey C. May. Although most types of insects and living with this harmless about 3 section 4 who are not allergic but of people with allergies often prove ill because of this living.

The problem how milestone in the house: You can be the milestone in the problem by editing the end where the water or leak from the roof to the rainwater drainage pipe. Keep moisture in the root cellar under the house and buy 50% in humidity measurement (digital hygrometer) in the house. That machine type humidity usually good to about $ 40 dollars. Specialist for humidity to about 70% to 80% ensuring environmental development convenient for them landmarks. If you have high humidity, you should buy in reducing moisture (dehumidifier) to reduce them landmarks. When did all that remains of fuggy, you need to hire professionals detect landmarks in the companies check the status of the landmark status in their home and seek proper professional milestone of this problem.

How to figure in the landmark, in the case and also to better treatment. The water pipes in the bathroom should be kept for not leak. Place water pipes connected from the wall should be kept dry to drag landmark can mọc inside walls if the time dripping. To prevent them in the landmark you can start with the entire sanitation system pipe in air-conditioning in the house and replace the filter in this system. According to Jeffrey C. May type filter fragile cheap is not good. You need to buy filter types have the same placement of fans, the type of laundry and then not be used again, enough new filter dust and harmful materials.

Hopefully these ideas to contribute on here help you to prevent and treat the problem in a landmark home. A small joy, with the increased cost of at least 5 years you can spend a little money for the room and treat them cats landmarks to ensure health for themselves and also live in the house.

Drug benefits are many and who should not join the drug insurance?

Houston (NN) - In America 43 million people eligible to join the Insurance News medications Medicare Part D (abbreviated as MPD), but according to estimates by the authorities, there are probably only 29 million will apply. The reason is that the program is too complex and difficult to understand, on the other has too many programs by hundreds of insurers that provide cause people like to be at glamor match, do not know which side to choose to send "gold". Houston in particular has 20 insurers with 47 different programs. ABC Radio has interviewed three people by the doctors of all three counters are shaking head back. Mr. Jan Blustein, Medical doctor, PhD in Public Management, professor at the University of New York said: "the situation to choose from and different circumstances of each person is set as we entered the beginning". Today has two articles on MPD still feel readers need more information to find a program appropriate for your circumstances. So that more messages below. For readers can compare programs and find the program of your circumstances, we would offer a different case: 1. Mr. X per month $ 80 target for drug money (by prescription). If not joined the MPD at all the drug money he spent, each year is $ 960. If he choose insurance program by AARP MedicareRx drug: - Insurance (premium) is $ 28.50 / month $ 339/nam News. - He does not have to pay $ 250 deductible money (to pay for his AARP). - Money co-pay about $ 420. Thus, if the program chosen by the AARP, he takes the $ 339 + $ 420 = $ 759. So Mr. X saved: $ 960 - $ 759 = $ 201. If Mr. X select the insurance of Advantage Rx Value Plan is to reduce how much? - Money offered by the employer premium is $ 23, 24 / $ 279 monthly News. - Expenses deductible is $ 0 (because the employers pay for their deductible). - Money co-pay, if a generic drug is $ 12/thang even $ 144 per year or $ 42/thang if brand name is $ 504/nam News. - So he saved from $ 537 to $ 177 depending on the generic drugs or brand name. From the two examples we see when selecting the insurance do we need to know which drugs have to pay co-pay at least by searching the title of the table medications are approved by Medicare (Formulary). In the table title Formulary, drugs are classified into four grades: - Tier 1: the drug co-pay at least: from $ 0 to $ 25 depending on insurance. - Tier 2: cash co-pay from $ 20 to $ 40 depending on insurance. - Tier 3 co-pay from $ 35 to $ 70 depending on insurance - Specialty tier (SP) is co-employers to pay 25%, employers are not that co-pay is how much. Over here we just compare the two employers, while employers have to 20 times. Each insurance funds co-pay should be different want to compare all the employers is a "smoking in the bar." If you are proficient in computer use may be on the Medicare website. Generally perform the steps as follows: Website: www.medicare.gov - Click for "Compare Prescription drug plan" - Fill in the righthand frame: the number of Medicare, their date of birth, date of your Medicare effective. - Zip code - Then select the insurance you want to know - Then enter the name of his drug use. You will know the money premium, deductible, co-pay. Formulary want the table back to the website first and click on "formulary checker. 2. Mr. Y was involved in the Medicare Avantage (like an HMO or PPO). Medicare Advantage program have paid for prescription drugs and then he. If he joined an insurance program, the other medicine he may be terminated Medicare Advantage insurance and he's in this case the insurance of the hospital and his doctors were terminated. 3. Mr. Z is still covered by medical manufacturer that he is working or is not he should join the MPD. He should consult with your insurance carrier to ask their opinions. In summary: - If the amount of medication (prescribed) by the less you should choose the program that funds low premium and no deductible to pay. - When your doctor commitment by the Formulary to ask your doctor for drugs they have to pay co-pay at least (tier 1). - Each insurance carrier associated with a pharmacy, the medication must be purchased in system pharmacy insurance by themselves. Remember: - Not to offer (salesperson) that personal information such as your social security number, and bank account, etc. .. - Do not offer for the home. - Do not condescension solicitor signed the application for the insurance program. - With gold because you are very much time to "research" (deadline is 15 5 in 2006). - There are many agencies and organizations ready to help you fill out and insurance. If you do not use computer experts, do not "have" and ask "children" to help the organization by Kaiser Family Foundation Harvard School belongs to because the 76% If you dont't never to the internet. Report on migrant visa by 12 months of 2005. Following the announcement of visa Center National (National Visa Center) on the due date visa (cut-off date) by the application resided in the U.S. from the family (family based immigrant) by 12 months 2005: F1 (single 21-year-old who has citizenship): 22 tháng 4, 2001 F2A (spouse and single children under the age of 21 permanent staff): 1 1, 2002 F2B (single from 21 years of age by permanent residents): 8 in 6 in 1996. F3 (I have family who has citizenship): 8 Months 6 1998 F4 (brothers and sisters of the nationality): 1 in 5 in 1994. So compared to the 9 months: - Diện F1, was not in any - F2A Diện to be 1 - F2B Diện 3 weeks - Diện F3 is 1 - F4 Diện is 1 ½