Networked Politics ? Blog Archive ? What Is Disability Insurance?

Some folks could also be surprised to be taught that disability insurance coverage is every bit as necessary as life insurance. Many times it can be even more essential than life insurance. This article examines among the issues regarding incapacity insurance coverage and how it can help shield your life-style within the occasion of a serious illness or injury.

Incapacity insurance coverage is used for the protection of your future income. It?s the best way to guard your self in the occasion that you?re unable to earn a dwelling on account of poor health or serious injury. As with most kinds of insurance coverage, disability insurance comes in totally different forms.

One of many reasons that incapacity insurance is considered to be simply as essential as life insurance is the truth that you?re still alive when incapacity insurance coverage takes effect. Life insurance, in fact, only takes effect as soon as you are passed on. Life insurance coverage will deliver a sum of cash to your beneficiaries that they can use as they see fit. If you are injured or in poor health to the point that you simply can?t work and earn a residing, the place will the money come from to satisfy your financial obligations?

In a really broad sense, incapacity insurance can are available three ways. Your employer could have you lined through a gaggle plan at work. The Social Security Administration might be able to present some aid if you happen to meet their requirements. Lastly, you can purchase private disability insurance coverage from an insurance coverage provider the identical manner that your purchase life insurance.

An fascinating reality concerning disability comes from the Social Security Administration. Their research declare that a 20-12 months old working individual has a 3 in 10 chance of being disabled earlier than reaching retirement age. In response to their numbers, 30% of the populace is susceptible to needing some type of earnings protection inside their lifetime. That may be a staggering quantity if you consider it.

While incapacity insurance is essential it is usually more expensive than life insurance. This solely makes sense as it?s expected that the insurance coverage firm must pay out more in incapacity claims than it?ll in life insurance coverage claims.

Consumers should understand that disability insurance coverage will not be the same as health insurance, which is used to help pay the price of medical expenses. It?s somewhat ironic that medical insurance can save your life and enhance your health but you may still end up homeless if you?re disabled and can?t earn a living. Incapacity insurance coverage protects you from that disagreeable reality.

People who?re single or have no members of the family usually decide to by-go life insurance coverage as a result of they have nobody to profit from the insurance. In other words, they don?t have any beneficiaries. Those same people, nonetheless, should not by-move incapacity insurance coverage as a result of, in essence, they?re the ones who will benefit ought to they turn out to be disabled and unable to work. It solely makes sense that even single people who find themselves unable to earn a residing will still want some type of monetary assistance in order to live.

Anybody who is dependent on their revenue to pay their payments should significantly consider adding disability insurance to their monetary planning portfolio.
Terica D Beyerl

If you would like more facts with reference to a href=?http://www.steeringdevelopments.co.uk/products/vehicles/mobility-disability-cars.html?Mobility Car/a, stop by the author?s Site right away.

This entry was posted on Saturday, December 17th, 2011 at 5:25 pm and is filed under Bios of participants. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

Source: http://www.networked-politics.info/?p=23927

rudolph the red nosed reindeer adam carolla desean jackson rick neuheisel rick neuheisel festivus festivus

Android 4.0.3 announced, bringing 'variety of optimizations and bug fixes' to phones and tablets

Merely a day after Verizon's version of the Galaxy Nexus was gifted with v4.0.2, Google itself is announcing Android 4.0.3, a so-called " incremental release of the Android 4.0 (Ice Cream Sandwich) platform." We're told that the new release includes a variety of optimizations and bug fixes for phones and tablets, as well as a small number of new APIs for developers. For those curious, the new API level is 15, and some of those new ones include social stream API in Contacts provider, Calendar provider enhancements, newfangled camera capabilities (apps can now check and manage video stabilization and use QVGA resolution profiles where needed) and accessibility refinements (improved content access for screen readers and new status and error reporting for text-to-speech engines). Moreover, we're promised minute improvements in "graphics, database, spell-checking, Bluetooth, and more." Finally, the company makes clear that going forward, it'll be "focusing its partners on Android 4.0.3 as the base version of Ice Cream Sandwich," with rollouts expected for both phones and tablets in "the weeks ahead."

Android 4.0.3 announced, bringing 'variety of optimizations and bug fixes' to phones and tablets originally appeared on Engadget on Fri, 16 Dec 2011 14:27:00 EDT. Please see our terms for use of feeds.

Permalink   |  Android Developers Blog (1), (2)  | Email this | Comments

Source: http://feeds.engadget.com/~r/weblogsinc/engadget/~3/kw7KsC5D0Do/

c.j. wilson three stooges pujols mythbusters miami marlins hanley ramirez blago

'We are the 99 percent' chosen as year's top quote (Providence Journal)

Share With Friends: | | Politics - Top Stories Stories, RSS Feeds and Widgets via Feedzilla.

Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/176216807?client_source=feed&format=rss

victoria secret fashion show beverly hills hotel beverly hills hotel rajon rondo tori spelling duke basketball brian williams

HPV Test Spots Cervical Cancer Earlier Than Pap Smear: Study (HealthDay)

THURSDAY, Dec. 15 (HealthDay News) - To catch cervical cancer or the lesions that can lead to it, a human papillomavirus (HPV) test is the best option for women over 30, Dutch researchers report.

Using it in conjunction with the more traditional Pap smear resulted in earlier detection of precancerous lesions and prevented more cervical cancers from developing, said study author Dr. Chris Meijer, a professor of pathology at VU University Medical Centre in Amsterdam.

The study is published online Dec. 15 in The Lancet Oncology.

Nearly all cervical cancers are caused by HPV, a virus spread through sexual intercourse. Some HPV strains are more strongly linked with the cancer than others.

The superiority of HPV testing over traditional Paps at finding precancerous cervical lesions is established, Meijer noted. However, his team wanted to see if HPV testing also offered better protection and detection long-term -- in two screenings done over a five-year period.

They found it did.

While five years may sound like a long lag time between screenings, it is not, he said. "The Netherlands already has a screening interval of five years, starting from 30 years of age until 60 years," he said. The program is inexpensive and effective, he added.

In the study, Meijer's team evaluated nearly 45,000 women, aged 29 to 56. Women in one group got a traditional Pap smear and an HPV DNA test. The women in the other group got just the Pap test.

Five years later, all women got both tests.

The researchers looked to see whether HPV tests resulted in fewer high-grade cervical lesions and cervical cancer in the second screening, due to earlier detection and treatment.

In the first screen, the HPV tests found more of the early changes that can precede cervical cancer than the Pap smear alone did.

Five years later, far fewer women in the HPV group had more advanced lesions or cervical cancer than did the Pap-only women.

Four women in the HPV/Pap group were diagnosed with cervical cancer, while 14 in the Pap-only group were.

When they looked at cervical cancer or advanced lesions, 88 in the HPV arm of the study were diagnosed with one or the other compared to 122 in the Pap-alone arm.

The improved protection against advanced lesions, the researchers said, is due to the earlier detection of the precursor lesions. When they were treated, it helped prevent them from progressing.

In an accompanying commentary, scientists from the U.S. National Cancer Institute wrote that the Dutch trial does show the five-year screening interval is safe. But they added that it is unclear if the same results would hold true in a different population with different testing guidelines.

The HPV test can be done using the same specimen collected for the Pap test, Meijer said.

Costs of the tests differ. Meijer said Pap smears are about $38 in the Netherlands, while an HPV test costs about $64. However, the Dutch Minister of Health recently recommended lowering the cost of an HPV test to below that of the traditional Pap.

The new study is "further defining how we can incorporate HPV testing into our screening program," said Dr. Elizabeth Poynor, a gynecologic oncologist and pelvic surgeon at Lenox Hill Hospital, in New York City.

She noted that she doesn't think the HPV screen will replace the Pap test completely. "It may turn out to be a first-line screen. Stay tuned for more," she said. "Certainly ask your physician if you've had HPV."

In October, three U.S. cancer groups proposed new guidelines for cervical cancer testing, extending intervals between screenings and making other changes. These guidelines, issued by the American Cancer Society and others, call for combination HPV/Pap smear testing for women aged 30 and older.

After three normal Paps, women over 30 can have the test ever two to three years, according to the American Cancer Society.

However, the U.S. Preventive Services Task Force remains cautious about the use of the HPV test, standing by the Pap as the best bet for now.

The Dutch study was funded by Zorg Onderzoek Nederland (the Netherlands Organization for Health Research and Development).

More information

To learn more about cervical cancer, visit the U.S. National Institutes of Health.

Source: http://us.rd.yahoo.com/dailynews/rss/cancer/*http%3A//news.yahoo.com/s/hsn/20111215/hl_hsn/hpvtestspotscervicalcancerearlierthanpapsmearstudy

osu football christopher walken ok state ok state kurt budke regis philbin regis and kelly

Mitt Romney: Prankster (ABC News)

Share With Friends: | | Politics - Top Stories News, News Feeds and News via Feedzilla.

Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/175669588?client_source=feed&format=rss

occupy dc trisomy 18 oklahoma state new orleans saints venus williams farrah abraham whats going on

Legal Language Explorer - Balkinization

Books by Balkinization Bloggers

Jack M. Balkin, Living Originalism (Harvard University Press, 2011)

Jason Mazzone, Copyfraud and Other Abuses of Intellectual Property Law (Stanford University Press, 2011)

Richard W. Garnett and Andrew Koppelman, First Amendment Stories, (Foundation Press 2011)

Jack M. Balkin, Constitutional Redemption: Political Faith in an Unjust World (Harvard University Press, 2011)

Gerard Magliocca, The Tragedy of William Jennings Bryan: Constitutional Law and the Politics of Backlash (Yale University Press, 2011)

Bernard Harcourt, The Illusion of Free Markets: Punishment and the Myth of Natural Order (Harvard University Press, 2010)

Bruce Ackerman, The Decline and Fall of the American Republic (Harvard University Press, 2010)

Balkinization Symposium on The Decline and Fall of the American Republic

Ian Ayres. Carrots and Sticks: Unlock the Power of Incentives to Get Things Done (Bantam Books, 2010)

Mark Tushnet, Why the Constitution Matters (Yale University Press 2010)

Ian Ayres and Barry Nalebuff: Lifecycle Investing: A New, Safe, and Audacious Way to Improve the Performance of Your Retirement Portfolio (Basic Books, 2010)

Jack M. Balkin, The Laws of Change: I Ching and the Philosophy of Life (2d Edition, Sybil Creek Press 2009)

Brian Z. Tamanaha, Beyond the Formalist-Realist Divide: The Role of Politics in Judging (Princeton University Press 2009)

Andrew Koppelman and Tobias Barrington Wolff, A Right to Discriminate?: How the Case of Boy Scouts of America v. James Dale Warped the Law of Free Association (Yale University Press 2009)

Jack M. Balkin and Reva B. Siegel, The Constitution in 2020 (Oxford University Press 2009)

Heather K. Gerken, The Democracy Index: Why Our Election System Is Failing and How to Fix It (Princeton University Press 2009)

Mary Dudziak, Exporting American Dreams: Thurgood Marshall's African Journey (Oxford University Press 2008)

David Luban, Legal Ethics and Human Dignity (Cambridge Univ. Press 2007)

Ian Ayres, Super Crunchers: Why Thinking-By-Numbers is the New Way to be Smart (Bantam 2007)

Jack M. Balkin, James Grimmelmann, Eddan Katz, Nimrod Kozlovski, Shlomit Wagman and Tal Zarsky, eds., Cybercrime: Digital Cops in a Networked Environment (N.Y.U. Press 2007)

Jack M. Balkin and Beth Simone Noveck, The State of Play: Law, Games, and Virtual Worlds (N.Y.U. Press 2006)

Andrew Koppelman, Same Sex, Different States: When Same-Sex Marriages Cross State Lines (Yale University Press 2006)

Brian Tamanaha, Law as a Means to an End (Cambridge University Press 2006)

Sanford Levinson, Our Undemocratic Constitution (Oxford University Press 2006)

Mark Graber, Dred Scott and the Problem of Constitutional Evil (Cambridge University Press 2006)

Jack M. Balkin, ed., What Roe v. Wade Should Have Said (N.Y.U. Press 2005)

Sanford Levinson, ed., Torture: A Collection (Oxford University Press 2004)

Balkin.com homepage
Bibliography
Conlaw.net
Cultural Software
Writings
Opeds
The Information Society Project
BrownvBoard.com
Useful Links
Syllabi and Exams

Source: http://balkin.blogspot.com/2011/12/legal-language-explorer.html

current time judy garland earthquake today earthquake today droid razr oklahoma news atomic clock