#Individual Health Insurance St. Augustine

[healthinsurancediva]

Long-Term Care Insurance: A Critical Component of Retirement Planning

As you approach retirement, it’s essential to consider all aspects of your future, including the potential need for long-term care. Long-term care insurance (LTCI) is a critical component of comprehensive retirement planning.

Why Include LTCI in Retirement Planning?

Retirement planning isn’t just about ensuring you have enough savings to cover your living expenses; it’s also about preparing for potential health care needs. With over 5 million seniors currently requiring long-term care and costs averaging $50,000 to over $90,000 annually, it’s clear that these expenses can significantly impact your retirement funds.

Protecting Your Retirement Savings

LTCI helps protect your retirement savings by covering the high costs of long-term care. Without insurance, you may have to dip into your savings or sell assets to cover these expenses, which can deplete your financial resources and jeopardize your financial security.

Ensuring Quality Care

Having LTCI ensures that you can afford quality care without compromise. Whether you need home care, assisted living, or nursing home services, LTCI provides the financial means to choose the best care options available. This not only protects your health but also your quality of life.

Relieving the Burden on Family

Without a plan in place, the responsibility of providing care often falls on family members. This can be a significant emotional and financial burden. LTCI alleviates this burden by covering the costs of professional care, allowing your family to focus on their own lives and well-being.

Planning for the Unexpected

Life is unpredictable, and health conditions can change rapidly. LTCI provides a safety net, ensuring that you’re prepared for unexpected health changes and the need for long-term care. This foresight allows you to face the future with confidence and peace of mind.

Conclusion

Long-term care insurance is a vital part of retirement planning, offering financial protection, ensuring quality care, and relieving the burden on family members. By including LTCI in your retirement strategy, you can secure your financial future and enjoy peace of mind. Luann Allen offers trusted expertise that can’t be matched. She stays on the cutting edge of our state’s long-term care options, costs, and regulations so you have the latest facts. Plan wisely and ensure a secure retirement with long-term care insurance.

[jayaugustine]

An Open Letter Regarding Reopening Houses of Worship Amid the COVID-19 Pandemic

TO: Christian Leaders and Concerned Citizens

RE: The Imprudent Rush to Reopen and Re-Occupy Houses of Worship

May 20, 2020

I write this open letter, as a religious leader and former law professor, sharing my sincere concern for how the church’s longstanding racial and socioeconomic divisions have once again manifest within partisan politics. These racial and socioeconomic divisions have created false narratives that embolden certain conservative and majority white, evangelical faith groups to publicly support positions adversely affecting minority communities. Accordingly, considering the empirical data revealed during the ongoing COVID-19 pandemic, and the disproportionately adverse effect the pandemic has had on the African American community,  I write to: (1) debunk the politicization of well-reasoned, governmental shelter-in-place orders; and (2) urge members of populations that are disproportionately vulnerable to refrain from mass, in-person gatherings, including worship experiences, at the current time.    

I offer my opinions, based on my professional and educational experience. In addition to serving as national chaplain and spiritual leader of Alpha Phi Alpha Fraternity, Inc.—the oldest predominately black, intercollegiate fraternity in existence, boasting of past and present leaders like the Reverend Dr. Martin Luther King, Jr., United States Ambassador Andrew Young, and Supreme Court Justice Thurgood Marshall—I also serve as senior pastor of St. Joseph AME Church, a faith community founded in 1869 that has been the spiritual home of some of North Carolina’s most influential citizens, including John Hervey Wheeler, for whom Durham’s United States Courthouse is named, and John C. Merrick, the founder of North Carolina Mutual Life Insurance Company. Well before earning my doctorate at Duke University and serving St. Joseph, I also earned a law degree at Tulane University and spent 15-years as an adjunct law professor. I share these qualifiers to emphasize that my point of analysis is far from a kneejerk reaction. It is instead contemplative, well-informed, and appreciative of the historical divisions that once again manifest within the church, as race and religion engage partisan politics.      

Executive Order 138 and the Legal Matters at Issue

On Saturday, May 16, 2020, U.S. District Judge James C. Dever, III issued a temporary restraining order barring enforcement of North Carolina Governor Roy Cooper’s Executive Order 138’s prohibition against any more than 10-people gathering for indoor worship. The judge’s ruling noted the same standard was not applied to businesses, which were limited to a 50% capacity. In responding favorably to a lawsuit filed by two Baptist churches, a minister, and revival group, the ruling failed to consider the different natures of occupancy and the governor’s inherent power to protect the best interests of North Carolina citizens under the Tenth Amendment’s well-settled police power.    

Governor Cooper took an oath to serve the best interests of North Carolina’s citizens. Notwithstanding his publicly professed faith and open indication of missing in-person church gatherings, his oath requires personal passion be separated from prudent decision making, when the prior can detrimentally affect the latter. Indeed, Governor Cooper had solid reasons for the 10-person limitation, based on his own personal and social experiences, as well as the legal protections rooted in the United States Constitution. As a frequent churchgoer, Cooper is personally aware that spiritual worship (even when social distancing is observed) is far different from retail shopping. The very nature of worship, wherein people seek a closer interaction with the Divine, includes singing, extemporaneous utterances, verbal affirmations of God’s providence, and the preaching of God’s word. Consistent with Cooper’s lament that he doesn’t want churches to become COVID-19 hotshots, his personal experiences and observations evidently suggest ALL OF THE FOREGOING expressions of worship substantially increase the exchange of droplets and potential inhalation of the novel coronavirus. Further, as the state’s chief executive, Cooper’s executive order was rooted in legal authority derived from the Tenth Amendment to the United States Constitution which gives power to the states, as not reserved to the federal government, for the protection, health, and welfare of its citizens. The judge’s injunction so focused on the subterfuge allegations that First Amendment rights were being violated, it neglected to consider that Tenth Amendment protections were being extended.          

The Larger Socially Divisive Issue: a 50-year old Alliance of Partisanship

In writing as a religious leader, my primary concerns are two-fold, insofar as it appears either of two things or a possible combination thereof occurred. First, it is possible that certain majority white, evangelical faith groups have been manipulated by very specific political and business interests that place “profits over people” and so-called liberty over the sanctity of human life. Second, it is also possible that these faith groups, have independently acted in a callus and inconsiderate manner, disregarding both science and the best interests of our most vulnerable populations, by encouraging mass gatherings at houses of worship, crouching any opposition to their advocacy as violative of the First Amendment. Either scenario creates a false narrative wherein governmental actors, including Cooper, are vilified for attempting to protect the sanctity of human life and attacked with an outrageously partisan, anti-American rhetoric emanating from the Trump White House.

 Furthermore, inasmuch as the “Reopen America” alliance—a fusion of conservative political operatives vilifying Democratic leaders—is collaboratively working with majority white, evangelical faith communities, we have seen incarnations of this alliance for more than 50-years. In the wake of the American Civil Rights Movement’s success, Richard Nixon’s 1968 and 1972 presidential campaigns skillfully built a “southern strategy” coalition, deliberately courting white evangelical Christians who became aligned with certain partisan political interests. That alliance was solidified during Ronald Reagan’s successful campaigns of the 1980s. It has also endured in an ultra-partisan fashion, even through the racially divisive rhetoric and governance of Donald Trump. Now, during an unprecedented pandemic that has resulted in so many deaths, disproportionately concentrated in the African American community, the same evangelical/partisan political fusion has vilified Democratic governors, most notably Gretchen Whitmer, in Michigan, and Cooper, in North Carolina.

Rational Thinking Must Prevail Over Angry, Baseless Rhetoric

At St. Joseph, we have assembled a pandemic response team that is relying on science in slowly moving toward facility reoccupancy. We will not reoccupy the church premises prior to a deep cleaning and comprehensive sterilization of the entire facility. Without such precautions, I cannot sincerely act as an ambassador of the Divine and welcome worshipers into a spirit-filled experience. Anything short of first taking all necessary prophylactic precautions is arguably pastoral malpractice and inconsiderate of invited guests. Moreover, it could open the church to potential liability.

Recent news coverage showed that only two weeks after reopening, a Baptist church in Ringgold, Georgia was forced to again close its doors because several families contracted COVID-19. Although the virus spreads equally, given the way it has disproportionately affected the African American community, I strongly encourage all those who fall within vulnerable population groups, including the elderly, to refrain from mass gatherings. Further, given that the Centers for Disease Control has highlighted that many individuals have tested positive for the virus, while remaining asymptomatic and serving as carriers in transmission, I believe it imprudent to rush to reoccupy houses of worship at this time.

Conclusion

The ongoing pandemic has forced us all to adopt “new norms.” Rather than place faithful parishioners in potential danger, I encourage clergy leaders and concerned citizens to use alternative options, including the free technological advancements made available to everyone through social media Web streaming. We have successfully done so at St. Joseph and will continue doing so for the foreseeable future. Moreover, as Alpha Phi Alpha’s national chaplain, I personally lead Alpha’s Word on Wednesday, a mid-week prayer and praise Zoom meeting, with live music, where attendees join from across the United States. In both instances, people are safe and free to worshiping God without the potential of fatal harm.  

 Regardless of what legal rulings come from the courts, I strongly encourage everyone to #StayAtHome and refrain from attending mass worship at this time. You could literally be saving someone’s life.

Yours, in the Master’s Faithful Service,

Reverend Dr. Jonathan C. Augustine

National Chaplain, Alpha Phi Alpha Fraternity, Inc. & Senior Pastor, St. Joseph AME Church

[shades-of-the-fallen-blog]

Trinidad And Tobago

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Making sure that the best-qualified, and most talented, teachers leading our classrooms are treated as the professionals they are is the right thing to do for our kids and our economy.

[ocalaplumberfl-blog]

Ocala Plumber Best Service To Choose

Plumbing offers industry-best standards in quality, design, and service. With more than 50,000 products online, always make Ferguson your first choice! For the best Ocala plumber in Florida take a look at the guide below.

Whether you're coping with plumbing emergency or you've just realized that the water is draining slowly from your tub or sink, obtaining a drain clearing expert is a thing you will want to do carefully. While there are many of plumbers around, not every one of them should be able to fit the bill and provide the comprehensive service that you need. As such, you will have to do a little work to obtain the absolute best plumber that may help you maintain drains and pipes clear.

Water pressure affects the degree of your consumption. The higher the pressure, the higher the volume of water usage. The recommended water pressure level is about only 60 pounds per square in . so anything above that is not good. You can contact the community's water authority to discover the actual water pressure level in your town. If it's more than 60, let professional plumbers put in a pressure valve in your home to solve the situation.

Ocala Plumber:

But when you rush to get out your plunger and drain opener liquid, or immediately grab the telephone to call a plumber? It depends about the situation-and in your knowledge of plumbing ins and outs. Weigh the seriousness of the situation, your experience level in resolving similar issues, plus your financial situation to make a decision.

BIG CHANGES IN WATER HEATERS began April 2015. Is your water heater 8 years old or older? Changes in how water heaters are now made may effect you. The Department of Energy made new laws for water heaters starting April 2015. While the more energy efficient units will be better for the environment they could be very challenging for home owners, especially condo owners and where the water heater is in a small space or closet. New units will be larger, more complicated to install and costlier. Call MGR Plumbing Services to see what options are best for you - changing your water heater NOW with a current, cheaper unit, if available, that will fit into your existing space, or considering a tankless water heater, or using the new energy efficient units that are just out. Don't wait for a problem, the new changes will make a quick fix unlikely.

A plumber is really a skilled, licensed educated professional. The plumber opens a small business hires several general labors and does well. Training and schooling several team players. They all work tirelessly, make a fare wage and so are content. But, one of these simple team players had a concept... The Idea was, how I might make money using what I find utilizing this professional plumber. So, this employee began to consider what it really would take to accomplish one of several services the professional plumber agreed to the city. As he looked into exactly what it takes to start a business he found out that some of the plumber's skills could possibly be done legally without each of the years of schooling and special license. You need a small business name & license, insurance, a bond, had to buy a little equipment, set some money aside for advertising, each of the while working for the professional plumber. After almost a year of conserving money, buying equipment and preparing to accept the entire world. He gives his notice for the professional plumber. I am going out on my very own; this is it, the danger, the task, the adventure a person can have.

For potable drinking water, plumbers in North Port used copper pipe. The copper pipe water lines were used for routing potable drinking water to the various fixtures throughout a new home. Those copper water lines were joined together using a lead solder. Copper water lines are still used today, however; the solder used to join the pipes no longer contains lead.

If everyone in the United States could manage to use just one less gallon of water per shower every day, we could save some 85 billion gallons per year. How do you do it? By keeping the shower pressure lower or by making your showers a few seconds shorter.

Joe the Plumber service the following areas of northeast Florida: Jacksonville, Jacksonville Beach, Atlantic Beach, Neptune Beach, Ponte Vedra Beach, Fernandina, Amelia Island, Callahan, Yulee, Hillard, Macclenny, St George, St Marys, Kingsland, Orange Park, Middleburg, Green Cove Springs, Penny Farms, St Augustine, Hastings, Palatka, Keystone Heights, Starke, Lake City, Waldo, Baldwin, St Augustine Beach, Crescent Beach, Palm Coast, Daytona, Holly Hill, Titusville, Daytona Shores, Ormond Beach, Bunnell, Deland, Orange City, Port Orange, Orlando, New Smyrna Beach, Sanford, Palm Valley, Fruitcove, Mandarin, Lawtey, St. Augustine Beach, Switzerland, Vilano Beach, Marineland, Flagler Beach, Beverly Beach, Sanderson, and Glen St. Mary.

If a plumber needs to do major repairs to your house, the work could call for a permit. You'll want this since a permit provides added assurance that the work is done correctly. Having this added measure in place means an inspector will check the work your contractor or plumber does to ensure he or she did the job correctly. If you ever plan on putting your house or commercial building on the market, a real estate agent and prospective buyers will also want to check any large work you did to make sure it was done properly.

So, I decided to use the old approach of participant observer for a Ocala plumber and try and write what I am gathering from many people I really do not know.  It saves energy too. Most systems have a very timer that you can program the machine to change don and doff at certain points of the day, like when you find yourself sleeping or at the job, that can turn off capacity to the unit. It will just use power if it's programmed to run. Some units run continuously and will utilize a large amount of one's, but installing a unit that features a timer will save you on your own electricity bill also, making the house much more efficient and greener.

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Finding a plumber must not be a problem, since there are so many around prepared to handle your assignment. The problem however is getting the right person to do the job. In most cases, people begin their search by asking around off their family and friends. Recommended plumbers are usually the best especially in emergencies.

In order to become a plumber, anyone should apply for a plumbing license. This license is disseminated from the county or city the person resides in. Therefore, each city inside state might have its plumbing license requirements. However, all counties and cities from the state of Pennsylvania agree that the plumber must have work experience just as one apprentice. Before you can become licensed, work experience might need to be completed within plumber that is already licensed by the state.

A plumber is really a skilled, licensed educated professional. The plumber opens an enterprise hires several general labors and does well. Training and schooling a group of team players. They all give your very best, make a fare wage and therefore are content. But, one of these team players had a concept... The Idea was, how I may make cash with what I discovered working with this professional plumber. So, this employee started to explore what it really would decide to try accomplish one of several services the professional plumber provided to the community. As he searched into exactly what it takes to begin a company he discovered that a number of the plumber's skills could possibly be done legally without all the many years of schooling and special license. You need a small business name & license, insurance, a bond, were required to get a little bit of equipment, set some funds aside for advertising, every one of the while being employed by the professional plumber. After many months of conserving money, buying equipment and preparing to accept the planet. He gives his notice towards the professional plumber. I am going from my own; this is it, the chance, the process, the adventure of your life.

Under-slab plumbing issues occur in old homes where galvanized pipes were used for plumbing. As well, lead piping is another issue as it is a health hazard. Plumbing companies can remove old pipes and replace them with modern piping. Proper drainage is another concern with old plumbing. After a while, the old pipes can become damaged or clogged. Plumbing companies are able to clean the drain and sewer lines and make any repairs or replacements.

Typical factors of slab leaks for example the shifting of the groundwork (because of bad design or ground situations), inferior water supply lines, water supply pressure that's excessively high, and the water chemistry(when the pH scale of the water supply is excessively high, then the incoming copper pipeworks may begin to rust and you'll have pinhole leakages). You may also figure out if you get a slab leak by examining the water supply meter in the home. If the small arrow moves within a few minutes, that implies that there is a slab leak.

Plumbing Nightmare on the First Day of School

How to Find a Competent Local Plumber

Let's face it, if you aren't a professional plumber you are going to without doubt have reason to call one eventually in your life

You do not always know when a plumbing emergency will probably strike, for example the tub getting blocked up, or perhaps a pipe that has burst and is threatening to flood you out of house and home

These plumbing disasters use a way of happening unexpectedly and also at inconvenient hours through the day and night

When a plumbing emergency strikes there's a chance you're wanting a round the clock plumber

If you have never dealt with one before, there are several stuff you should bear in mind

The Pros And Cons For a Career As a Plumber

Understanding how to fix a leaking toilet you will save large sums of money in calls towards the plumber, and slash hundreds more away from your annual water bill

The first thing is to see whether there is a leak or not

To do this, you need to use sometimes a dye tablet purchased at any shop, or you may use the usual food coloring

Six Tips on How to Maintain Your Plumbing System

If following the designated time, the drain is still clogged, utilize a toilet plunger to make use of pressure on the clogged area

You will need to securely plug the other sinks in addition to the one you utilize to plunge

Place the plunger within the drain opening and push the rubber plunger down and up in the hole

The pressure made up of this method will usually work well

Sweating copper pipe - In the world of recent plumbing, this really is probably the most important skill you need to learn. Knowing how to sweat copper pipe is a vital skill essential for small fixes and adding valves. To begin with, all you have to do is make a solder, flux, a small torch, and a few items of copper pipe. In the process, you first need to completely clean the copper, add the flux, heat the joint, and apply the solder.

A professional plumber is able to appraise the situation immediately and be able to handle any plumbing problem. Finding your plumber online has numerous advantages most famously of which is that you may view their profile. Depending upon the standard of your website, the plumber's profile will even provide important info to assist you make your mind up. Hiring one associated with a business is usually the better option for a Ocala plumber.

Resources:

Joe The Ocala Plumber - Residential and Commercial Ocala Plumbing

Plumbing Drains Waste and Vents - how to articles from wikiHow

OCALA PLUMBER TOP RATED OPTIONS - WEEBLY

[thechasefiles]

The Chase Files Daily Newscap 4/7/2019

Good MORNING  #realdreamchasers! Here is The Chase Files Daily News Cap for Sunday April 7th 2019. Remember you can read full articles for FREE via Barbados Today (BT) or Barbados Government Information Services (BGIS) OR by purchasing by purchasing a Sunday Sun Nation Newspaper (SS).  

PM MOTTLEY ATTENDING IMPORTANT MEETINGS OVERSEAS – Prime Minister Mia Mottley will attend several important meetings in Canada and the United States of America over the next week. The Prime Minister has been invited by McGill University in Montreal, Canada, to meet with some of its senior representatives to discuss deepening the relationship between the Bellairs Research Institute and Government. The Prime Minister is keen on facilitating a more meaningful involvement of the Bellairs Research Institute in Government’s Roof-to-Reefs project, in particular the reefs’ component, where the aim is to regenerate the coral reefs primarily on the island’s west coast.  This project is part of Government’s overall strategy with respect to climate adaptation and mitigation in response to climate change. During her visit to Canada, Mottley will also participate in town hall meetings with the Barbadian diaspora in Montreal and Toronto.  In Toronto, the Prime Minister will continue discussions which the Government has been having with major financial institutions and accounting firms. She has also been invited by Canadian limited liability partnership, BDO Canada LLP, to deliver the keynote address at the Annual Tax Executives Institute Professional Development Day in Toronto, on Wednesday, April 10. The Prime Minister, in her capacity as Minister of Finance, Economic Affairs and Investment, will then travel to Washington, DC, to attend the 2019 Annual Spring Meetings of the World Bank Group and the International Monetary Fund, from April 10 to 14. These meetings will bring together central bankers, ministers of finance and development, private sector executives, officials from civil society organizations and academics to discuss issues of global concern, including the world economic outlook, poverty eradication, and economic development and finance. These meetings will afford Mottley an opportunity to meet with some key officials of the World Bank and the IMF, in addition to private financial institutions. The Prime Minister’s delegation will include Minister of Maritime Affairs and the Blue Economy, Kirk Humphrey; Director of Finance and Economic Affairs, Ian Carrington; and Governor of the Central Bank of Barbados, Cleviston Haynes. (BT)

CAUTION ON COST OF LIVING – Brace for an increase in the cost of living here. That’s the caution of the official Opposition led by Bishop Joseph Atherley. Addressing a press conference on Saturday at the Opposition Office in Parliament, spokesman Bruce Hennis referred to Page 5 of the April 2 Ministerial Statement delivered by Minister in the Ministry of Finance Ryan Straughan, pointing out that given the conditions of the International Monetary Fund (IMF) programme, a hike in prices will be inevitable. “We are in an environment of austerity. We have to therefore attend to, and meet, these self-imposed tariffs. We set them up, so we have to stay there . . . . A lot of us in Barbados are existing below a particular income level. When you then start to hit fees and tariffs, at all levels, you’re going to be impacted,” he said. He added that the state-owned enterprises (SOEs) were operating at a deficit and not creating enough revenue to cover their operating expenses. (SS)

GOING WITHOUT A CENT – Retrenched workers from the Gymnasium of the Garfield Sobers Sports Complex are going home without a cent. Friday was their final day at the Wildey, St Michael multi-sport facility for all 35 staff members and added to the pain of losing their jobs is uncertainty over when they will get severance pay. Staffers are also yet to receive official word on termination as no letters were issued, only unemployment slips. While chairman of the National Sports Council, MacDonald Fingall, and Minister of Culture, Sports and the Creative Economy John King could not be reached for comment, as reported yesterday, general manager Barbara Bostic, office personnel, security guards, technicians,  and general workers were affected. (SS)

RESLIFE’S PAYMENTS COMING SOON – Policyholders and claimants of Resolution Life Assurance Company Ltd (ResLife) are in for some big bucks.  The thousands of claimants are expected to benefit from a settlement package comprised of a $103 million cash payout, and $300 million in bonds, the company revealed in a media statement yesterday. The ResLife settlement process will see eligible policyholders or claimants due less than $20 000 receiving cash. Those due amounts greater than $20 000,  will receive $20 000 in cash and the balance in the form of 15-year bonds. The statement from the Worthing, Christ Church insurance company comes as it fulfils Government’s mandate to settle the company’s insurance liabilities and wind up operations, while putting cash in the hands of its thousands of eligible policyholders. (SS)

WATER CHEATS – Farmers are stealing water from the Barbados Water Authority (BWA) through illegal connections. The BWA recently uncovered two cases of crop scammers and in one instance, they suspect the farmer had been utilising the water illegally for close to five years. These two cases are, however, not isolated but represent a worrisome trend, a source at the BWA revealed. Over the years, officials said they have discovered crop farmers, livestock farmers and even individuals cultivating marijuana plants in remote areas, cheating the BWA. The source said workmen descended on a field at Ashford, St John, last week where they found an illegal connection to the main on a two-acre field planted with lettuce, cabbage, and tomatoes. (SS)

NCDS WARNING – Barbados is facing an economic and health care catastrophe, warns a respected regional health economist. And he argues that if the country does not change its health financing model, the situation could blow up. Therefore, he urged Barbados to adopt a pre-paid health insurance scheme that pays for the health of every Barbadian and Caribbean citizen. And this should be subscribed to by everyone, including those on private insurance plans. Professor Karl Theodore, director of HEU, the Centre for Health Economics at the University of the West Indies (UWI) St Augustine Campus in Trinidad, estimated annual cost to Barbados from non-communicable diseases such as heart attacks, strokes and cancer to be as high as $825 million, while the country spends a minimum of $360 million annually on non-communicable diseases (NCDs). (SS)

PASSENGER DIES ON FLIGHT – A 94-year-old man died on board an Air Canada flight this afternoon at the Grantley Adams International Airport. Heinrch Hamelbeck, a German, was seated next to his 84-year-old wife Edith, when he moved to use the bathroom. After he was gone for a while, his wife went to check on him and found him unresponsive in the bathroom. Police said that Hamelbeck died about 12:50 p.m. aboard flight 1725, cancelling its departure. (SS)

BOEING CUTTING 737 MAX PRODUCTION IN WAKE OF TWO DEADLY CRASHES – Boeing Co plans to cut its monthly 737 production by nearly 20 per cent as it works to manage the grounding of its MAX aircraft in the wake of two deadly crashes, Chief Executive Officer Dennis Muilenburg said on Friday.  Deliveries of Boeing’s best-selling aircraft were frozen after a global grounding of the narrowbody model following the crash of an Ethiopian Airlines jet on March 10, killing all 157 people onboard.  Starting mid-April, production will be cut to 42 airplanes per month from 52, the company said in a statement.  The crash of a Lion Air plane in Indonesia last October that killed all 189 people on board and the crash in Ethiopia have left the world’s largest planemaker in crisis as its top-selling jetliner is grounded worldwide.  Muilenburg said the company now knows that a chain of events caused both disasters, with erroneous activation of so-called MCAS anti-stall software “a common link” between the two.  Boeing said it would not reduce jobs at the new production rate and will work to minimise the financial impact.  (SS)

JAMAICAN POLICE OFFICERS TO BE SENTENCED IN MAY – Justice Carol Lawrence will on May 17, decide on the fate of three police officers convicted of shooting to death a 16-year-old student in 2012. The judge was due to hand down the sentencing on Friday, but the attorneys for Constables Andre Wain Smith, Durvin Hayles and Anna-Kay Bailey asked the High Court to delay the sentencing until social enquiry reports on their clients are submitted. The three police officers were convicted in February for the murder of Vanessa Kirkland, a student of the Immaculate Conception High, who was killed in March 2012 when members of a police team opened gunfire on a vehicle in which she was a passenger. Five other passengers in the vehicle were also shot. The police officers had testified that they acted in self-defence after gunmen alighted from the vehicle and opened fire at them. They also said they found several stolen items in the vehicle. The police officers face a maximum sentence of 15 years in prison. (SS)

LASCARIS CRIES FOUL – George LasCaris, one of Barbados’ longest-serving football administrators, is crying foul and claiming unfair play. And LasCaris is adamant he won’t be bullied by the Barbados Football Association’s (BFA) Somalia-born technical director Ahmed Mohamed. LasCaris, in a press statement sent to The NATION, said Mohamed threatened young footballers with exclusion from the national team if they participated in his annual Barbados Cup youth tournament. The charge, which was rejected by Mohamed, comes on the eve of the 32nd edition of the Barbados Cup which kicks off on Sunday with over 50 youth teams participating in four age categories instead of the usual five. For the first time in three decades, there will be no Under-19 competition and LasCaris, a former BFA president and national footballer, is laying the blame at Mohamed’s boots. (SS)

For daily or breaking news reports follow us on Instagram, Tumblr, Twitter & Facebook. That’s all for today folks. There are 268 days left in the year. Shalom! #thechasefilesdailynewscap #thechasefiles# dailynewscapsbythechasefiles

[rollingpens]

Covid-19: Americans support for 'hardest, saddest' seven day stretch of their lives- RollingPens

In the midst of the desperate news, there were likewise hints of something better over the horizon — the quantity of individuals passing on had all the earmarks of being easing back in New York City, Spain and Italy.

Americans propped for what the country's top specialist cautioned Sunday would be "the hardest and saddest week" of their lives while Britain expected the unwelcome mantle of deadliest coronavirus problem area in Europe following a record 24-hour bounce in passings that outperformed even hard-hit Italy's.

England's own head administrator,

Boris Johnson

, was hospitalized, 10 days in the wake of testing positive for

COVID-19

in what his office portrayed as a "prudent advance."

In the midst of the desperate news, there were additionally promises of something better — the quantity of individuals kicking the bucket had all the earmarks of being easing back in New York City, Spain and Italy. The news was carefully invited by pioneers, who additionally noticed that any increases could without much of a stretch be turned around if individuals didn't keep on clinging to exacting lockdowns.

What's more, U.S. Top health spokesperson Jerome Adams offered an unmistakable admonition about the normal flood of infection passings.

"This will be our Pearl Harbor minute, our 9/11 minute,'' he told "Fox News Sunday."

In an uncommon broadcast address to her nation, in the interim, Queen Elizabeth II additionally engaged Britons to rise the event, while recognizing huge interruptions, distress and money related troubles.

"I trust in the years to come, everybody will have the option to invest heavily by they way they reacted to this test," she said. "Furthermore, the individuals who come after us will say that the Britons of this age were as solid as any."

In New York City, the U.S. focal point of the pandemic, day by day passings dropped marginally, alongside escalated care confirmations and the quantity of patients who required breathing cylinders embedded, however New York state Gov. Andrew Cuomo cautioned that it was "too soon to tell" the essentialness of those numbers.

Italy and Spain additionally made some energize news. Italy enlisted its most reduced everyday increment in passings in over about fourteen days — 525, said Angelo Borrelli, the leader of the national Civil Protection office. The pace of contamination likewise appeared to slow.

All things considered, Borrelli cautioned, "This uplifting news shouldn't make us bring down our defenses."

Affirmed contaminations fell in Spain, as well, and new passings declined for the third consecutive day, dropping to 674 — the first run through every day passings have fallen underneath 800 in the previous week.

"We are beginning to see the promising finish to the present course of action," Spanish Prime Minister Pedro Sánchez said.

The standpoint, nonetheless, stayed disheartening in Britain, which detailed in excess of 600 passings Sunday, outperforming Italy's expansion. Italy despite everything has by a long shot the world's most noteworthy coronavirus loss of life — right around 16,000.

Johnson, in the interim, has been hospitalized, however his office said it was anything but a crisis and that the 55-year-old Conservative will experience tests.

There are worries that Johnson's administration didn't pay attention to the infection enough from the start and that spring climate will entice Britons and others to defy social separating norms.

Wellbeing Secretary Matt Hancock said the U.K. may even boycott open air practice if individuals despite everything ''ridicule the principles.''

"By far most of individuals are following the general wellbeing exhortation, which is completely basic, and remaining at home," Hancock revealed to Sky TV. "In any case, there are a little minority of individuals who are still not doing that — it's very mind blowing, to be honest, to see that."

As the quantities of diseases rose, the delegate leader of Britain's National Health Service Providers said the organization expected to concentrate on rapidly expanding ventilator limit and getting progressively defensive gear for human services laborers.

"I imagine that we are only seven days from the flood of this,'' Saffron Cordery disclosed to Sky TV.

Italians have not been resistant to draw of the great climate either. Top Italian authorities took to national TV after photographs were distributed demonstrating enormous groups out shopping in Naples, Rome, Genoa and even the hard-hit Veneto city of Padua. Lombardy Vice Gov. Fabrizio Sala said cellphone information demonstrated 38% of the area's kin were all over town — the most noteworthy figure since March 20.

Wellbeing Minister Roberto Speranza revealed to RAI state TV that all the penances Italians have made since the across the nation lockdown started on March 10 gambled being turned around.

Limitations on development shift from nation to nation. In Germany and Britain, occupants can get out to exercise and walk their pooches, just as go to the market, the mail station and do other fundamental assignments. However in Serbia and South Africa, hound strolling isn't permitted.

In France, heat-chasing rambles have been zooming over Fontainebleau woods to recognize rule-breakers after the previous illustrious domain in the Paris rural areas was shut to the general population.

In Sweden, specialists have prompted people in general to rehearse social removing, yet schools, bars and eateries are as yet open.

At the Vatican, Pope Francis observed Mass and favored palms for Palm Sunday in a close unfilled St. Subside's Basilica. Generally countless dedicated would have swarmed the square outside.

In New Orleans, Rev. Emmanuel Mulenga favored palm fronds and put them on a table close the rear of his Saint Augustine Catholic Church — so individuals could get them while additionally watching social separating.

Around the world, more than 1.2 million individuals have been affirmed tainted and almost 70,000 have passed on, as indicated by Johns Hopkins University. The genuine numbers are unquestionably a lot higher, because of restricted testing, various ways countries tally the dead and intentional under-announcing by certain legislatures.

By far most of contaminated individuals recoup from the infection, which is spread by minute beads from hacks or sniffles. For a great many people, the infection makes gentle moderate side effects, for example, fever and hack. In any case, for a few, particularly more established grown-ups and the sick, it can make pneumonia and lead passing. The World Health Organization says 95% of the known coronavirus passings in Europe have been in individuals more than 60.

The quick spread of the infection in the United States has incited a clamorous scramble for clinical hardware and defensive apparatus.

An Associated Press survey of government buying contracts demonstrated that administrative organizations to a great extent held up until mid-March — over two months after the main alerts of a potential pandemic — to start putting in mass requests of N95 respirator covers, mechanical ventilators and other hardware required by cutting edge social insurance laborers.

At that point, emergency clinics in a few states were treating a huge number of tainted patients without satisfactory hardware and arguing for shipments from the national store. Since reserve is about depleted similarly as the quantities of patients requiring basic consideration is flooding.

Rebekah Gee, who heads the Louisiana State University's social insurance administrations division, might want to the government to be progressively included and cautioned that the private and open part have been rivaling one another, prompting cost increments.

Hmm, who once ran the state's Department of Health, said one of her associates went on eBay to purchase outfits, while gear her specialization requested from China got slowed down for a considerable length of time in Hong Kong.

"Our entire nation is at war with this infection," she said. "There's just a specific number of ventilators on the planet. This needs an organized methodology, and right well that is not occurring."

Louisiana and the New Orleans zone have been hard hit by the infection, and Gov. John Bel Edwards has more than once cautioned of approaching deficiencies for ventilators and emergency unit.

Dr. Anthony Fauci, chief of the National Institute of Allergy and Infectious Diseases, said Sunday that he trusted the pace of new contaminations would level soon, yet that the infection is probably not going to be totally annihilated for the current year.

Talking "All over the Nation," Fauci said the possibility of a resurgence is the reason the U.S. is endeavoring to be more ready, including attempting to build up an immunization and leading clinical preliminaries on medicines.

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Simplifying Accidental and Critical Illness Insurance in St. Augustine with Luann Allen

Introduction

Accidents and critical illnesses can occur unexpectedly, leading to financial instability. In St. Augustine, securing proper insurance coverage is crucial. Luann Allen offers personalized guidance to help you navigate this complex landscape and ensure you are adequately protected.

The High Cost of Being Unprepared

Not having the right insurance can result in:

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A Better Way to Prepare

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(via https://www.youtube.com/watch?v=ufQu388S9lc)

Assignment Solutions, Case study Answer sheets

Project Report and Thesis contact

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www.mbacasestudyanswers.com

ARAVIND – 09901366442 – 09902787224

 Principles and Practice of Management

 Case Studies

CASE STUDY (20 Marks)

General Electric Company (GE) was a major conglomerate and one of the biggest companies in the world. One of the factors that was believed to be responsible for the company's steady growth for more than a century was its tradition of stable and long term leadership. One of the most successful phases in GE's history began when Jack Welch became its CEO in 1981. Welch attempted to make GE one of the top companies in every segment in which it operated. He also supervised several acquisitions that added value

to the business portfolio and was instrumental in creating a performance oriented culture at the company. Welch retired in 2001 after20 years at the helm. He was succeeded by Jeffrey Immelt, who was chosen by GE's board after a long and careful succession planning activity supervised by Welch himself. In September 2001, Jeffrey Immelt (Immelt) became the Chief Executive Officer (CEO) of the General Electric Company (GE). He succeeded Jack Welch (Welch), who was acknowledged as one of the most

successful CEOs in business history for his management of GE in the twenty years he headed the company (1981 to 2001). Welch studied chemical engineering at the University of Massachusetts, from where he graduated in 1957. He then moved to the University of Illinois, where he received his Masters and PhD in chemical engineering. Welch joined GE in 1960 as a junior engineer. After a year, Welch wanted to leave the company, unhappy with the bureaucratic culture of the company, but was convinced by his superior to stay back... This case discusses the strategic and cultural changes at GE as a result of the change in leadership. It compares GE's strategy and operations under Welch, with those under Immelt. It also talks about the changes in the company's culture under Immelt. The case concludes with a discussion on the challenges facing Immelt, as of mid2006.

 Answer the following question.

Q1. Discuss the relationship between leadership and growth in large and diversified companies.

Q2. Debate the effects of a change in leadership on company strategy and culture.

Q3. Compare the leadership styles of two leaders in the above case.

Q4. Analyze the effectiveness of their individual styles.

 CASE STUDY (20 Marks)

Casimiro Jr.’s only child, Adela, was a concert pianist who gave regular piano performances at Columbia. Later, Adela married concert violinist, Cesar Gonzmart (Cesar). In the 1950s, Casimiro Jr. brought Cesar into the business. Subsequently, Cesar and Adela became the third generation owners/operators. Adela and Cesar struggled to keep Columbia open during the 1950s and 1960s. This was a period during which Ybor City deteriorated due to a decline in the cigar industry. The poor economic prospects of the city led to a subsequent fall in population as people moved away to the suburbs and to other cities. Over the years, Columbia restaurants were opened at several other new locations in Florida. In 1983, a restaurant was opened in the historic district of St. Augustine, Florida. At Sand Key, on Clearwater Beach, Florida, another restaurant was opened in 1989. In the 1980s, Columbia also opened a few Caribbeanthemed bar and restaurants under the brand ‘Cha Cha Coconuts’. After the death of Cesar in 1992, both brothers began to manage the day to day operations at the restaurant. They then became the fourth generation owners/operators. However, it was not all smooth sailing for the business. After taking over the business, the brothers discovered that Columbia was under a large  debt, something that had been concealed by Cesar. The debt had the potential to threaten the very existence of Columbia. Gonzmart said, “Cesar would provide whatever numbers he wanted. None of the bankers believed it, but it was a different world, handshakes, etc. Instead of going in for an expansion, Columbia decided to invest in existing restaurants. In 2001, a new building was constructed to house a five thousand square feet kitchen for the Ybor City restaurant at a cost of US$ 2 million. It was built in a parking lot/delivery area on the south side of the restaurant. The new kitchen had a unique waste disposal system, water recycling capability, and quickchill technologies, which were expected to minimize labor and utility cost, as well as theft and shrinkage. Some of the valuable lessons learnt by the HernandezGonzmart family to successfully run the business were to maintain the traditional style and atmosphere, to keep the menu fluid, and to cultivate a personalized management style. Though the HernandezGonzmart family tried hard to keep up to date, they knew that a major part of the restaurant’s appeal was its age. All Columbia restaurants were designed to project an old world atmosphere through extensive usage of colorful arabesque Spanish tiles on the walls. Moreover, framed photos of previous generations were displayed prominently. The restaurant also paid very close attention to the menu layout. Columbia continued to be a completely family owned venture. Over the years, Gonzmart and Casey decided to let go of prominently displaying fancy titles for family members working in Columbia. While the brothers’ business card read ‘Fourth Generation’, their children’s visiting cards read ‘Fifth Generation’. Speaking about the new business cards, Gonzmart added, “We take pride in these titles; not many companies can make the same claim. Besides, it creates issues when you give family members titles.” In 2010, the Columbia was mentioned in a list of 50 ‘All American Icon restaurants’, compiled by leading restaurant trade magazine, ‘Nation’s Restaurant News’. According to the magazine, the restaurants on the list highlighted ‘longtime concepts that are not only intriguing, but also offer a broad representation of industry segments, foods, and locales’. As of 2012, six restaurants across Florida and two Cha Cha Coconuts outlets were owned and operated by the family. According to Gonzmart, 2012 was the best year in Columbia’s history. He added, “During the slow economy, the last five years, we’re up same store sales, I think 26 percent. No price increases.”

 Answer the following question.

Q1. Debate the succession strategy adopted by Columbia.

Q2. How the traditional style and atmosphere was maintained by the HernandezGonzmart family and why?

Q3. Debate the reasons for Columbia being under a large debt.

Q4. Discuss how the family business was sustained and revives.

 CASE STUDY (20 Marks)

Progressive Chemical Industries Ltd, is engaged in manufacturing and export of specialty chemicals, having turnover of Rs 300 crores. The Company is growing and having good export orders. The CEO is in mood to expand the business and aiming to reachturnover of Rs 1000 crores in next 5 years. The CEO is worried about the increase in input costs and workers’ demands. Union has threatened to go on strike indefinitely. Union has demanded 50% increase in salary and other benefits. But is not agreeing to link it to productivity. It has also raised issues like unsafe, hazardous working conditions, leakage of poisons gases affecting the health of workers. The consultant has advised the CEO to be strict and take strict action against the erring employees and be ready to declare lock out if situation warrants.

 Answer the following question.

Q1. What are the various laws which could be applicable in the above problems?

Q2. Do you feel management policies/practices are right? As a CEO how will you convince the union and workers?

 CASE STUDY (20 Marks)

Medical secretaries know better than anyone the hard work that goes into running an efficient private medical practice. John Morgan, Accounts Director of the Jenny Morgan Secretariat, is no exception. Starting in 2000 with only 6 clients, today the firm Mr Morgan runs with his wife Jenny manages the affairs of 16 specialists. So how did the firm get to where it is today without a huge increase in overheads? Mr Morgan believes that a major factor in the firm's success is the support provided by Health code’s web based management solutions. To boost capacity, Mr Morgan knew that he needed an integrated practice management system. "When we started out I was able to devise my own systems for invoicing, correspondence and so on" he says. "But we grew to the extent that an integrated system that managed all the administrative tasks we carry out was the only way forward." Health code's Practice manager system allows Mr Morgan to generate and print standard letters, receipts, invoices and statements; batch print documents; enter bulk payments; enter patient alerts and notes and set up and manage patient identifiers. Electronic billing comes as part of the package, saving Mr Morgan a huge amount of time and expense. "We use electronic billing for roughly 60 per cent of our invoices and the Health code system streamlines everything for us" he says. "All we have to do is enter a few details and then submit the bill directly to the insurer through the secure network. Payments are made much more quickly as a result which is good for cash flow." Mr Morgan also uses the system to invoice self paying patients, finding the system straightforward and easy to use. He uses the reporting facilities for monthendand to track invoices and payments, with the aged debtors listed by payor particularly useful when chasing insurers for money. Mr Morgan concludes: "We have built our business based on the simple principle of delivering excellent service. The innovative management solutions Health code provides us to maintain these high standards while giving us the capacity we need for future growth."

 Answer the following question.

Q1. Drive a conclusion of this case study.

Q2. How does the package help to reduce the workload in the system? Explain.

 Assignment Solutions, Case study Answer sheets

Project Report and Thesis contact

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ARAVIND – 09901366442 – 09902787224

   ���q�

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Individual Health Insurance in St. Augustine: Your Path to Peace of Mind

Introduction

Finding the right individual health insurance can be a complex and overwhelming process. Fortunately for residents of St. Augustine, Luann Allen offers expert guidance tailored to your needs and budget, ensuring you gain the clarity, confidence, and peace of mind essential for making informed health insurance decisions.

The Health Insurance Diva Advantage

With over a decade of experience in the Florida individual health insurance market, Luann Allen, the Health Insurance Diva, brings unmatched expertise and a commitment to transparency. Her personalized approach simplifies the insurance process, making it easier for you to secure the right coverage.

Advantages of Individual Health Insurance

Personalized Plans: Individual health insurance provides the flexibility to choose coverage that aligns perfectly with your health needs and financial situation. Flexibility in Care: Enjoy the freedom to select your preferred healthcare providers and services, ensuring the best care for you and your family. Portability: Your individual health insurance stays with you regardless of job changes, offering consistent and reliable coverage. Consequences of Lack of Coverage

Financial Vulnerability: Unexpected medical expenses without proper insurance can drain your savings and cause significant financial strain. Confusion and Inefficiency: Navigating the insurance market alone can be time-consuming and confusing, often resulting in inadequate coverage. Health Risks: Without insurance, you might delay or avoid necessary medical care, leading to worsened health conditions and higher long-term costs. Personalized Solutions for St. Augustine Residents

Luann Allen’s approach is all about customization. She carefully evaluates your specific needs and budget to provide the best possible coverage. Whether you need comprehensive plans, high-deductible options, or specific coverages like dental or vision, Luann’s expertise ensures you get the optimal plan.

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Conclusion

Choosing individual health insurance in St. Augustine doesn’t have to be overwhelming. With Luann Allen’s expert guidance, you can secure the right coverage tailored to your needs and budget, ensuring peace of mind and financial stability. Schedule a free consultation today and take the first step towards comprehensive health insurance.

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Group Health Insurance in St. Augustine

Comprehensive Group Health Insurance for St. Augustine Businesses

Importance of Group Health Insurance

For businesses in St. Augustine, providing comprehensive group health insurance is more than a legal obligation—it's a commitment to the well-being of your employees. Group health insurance plans offer a collective approach to healthcare, ensuring that employees have access to necessary medical services without bearing the full financial burden. This type of insurance fosters a sense of security and loyalty among employees, enhancing overall job satisfaction and productivity.

Benefits of Group Insurance

Group health insurance plans come with several advantages. They are typically more affordable per person than individual plans because the risk is spread across the entire group. This results in lower premiums and better coverage options. Additionally, offering group health insurance can be a significant factor in attracting and retaining top talent. Employees are more likely to stay with a company that cares for their health needs. Businesses also benefit from tax incentives when they provide health insurance, further reducing the financial impact.

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Group Health Insurance Solutions in St. Augustine

Comprehensive Group Health Insurance for St. Augustine Businesses

Importance of Group Health Insurance

For businesses in St. Augustine, providing comprehensive group health insurance is more than a legal obligation—it's a commitment to the well-being of your employees. Group health insurance plans offer a collective approach to healthcare, ensuring that employees have access to necessary medical services without bearing the full financial burden. This type of insurance fosters a sense of security and loyalty among employees, enhancing overall job satisfaction and productivity.

Benefits of Group Insurance

Group health insurance plans come with several advantages. They are typically more affordable per person than individual plans because the risk is spread across the entire group. This results in lower premiums and better coverage options. Additionally, offering group health insurance can be a significant factor in attracting and retaining top talent. Employees are more likely to stay with a company that cares for their health needs. Businesses also benefit from tax incentives when they provide health insurance, further reducing the financial impact.

St. Augustine's trusted health insurance consultant. Let our knowledgeable, caring advisors simplify benefits for individuals and businesses. We offer clear guidance on Medicare, group health insurance, dental, and more. Schedule a free consultation today.

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Dental Insurance in St. Augustine

Navigating Dental Insurance Claims in St. Augustine

Filing a dental insurance claim can seem daunting, but understanding the process can make it much smoother. In St. Augustine, residents with dental insurance can benefit from knowing how to navigate the claims process effectively. This article provides an overview of the steps involved in filing a dental insurance claim and tips for ensuring a successful reimbursement.

Understanding the Claims Process

After receiving dental treatment, the first step is to ensure that the dentist is within your insurance network. This can maximize your coverage and minimize out-of-pocket expenses. The dentist's office typically handles the claims submission, sending the necessary documentation and treatment details to the insurance company.

Documentation Required

To file a claim, specific documentation is required, including:

Patient Information: Personal details such as name, address, and insurance policy number.

Treatment Details: A description of the dental services provided, including the date of service and the dentist's notes. Itemized Bill: An itemized bill or receipt that outlines the cost of each service rendered. Processing the Claim

Once the claim is submitted, the insurance company reviews it to ensure that the treatments are covered under the policy. This review process can take a few days to several weeks, depending on the complexity of the claim and the insurance provider's processing time.

Reimbursement

After the claim is approved, the insurance company reimburses the dentist according to the policy terms. If there are any copayments or deductibles, the patient is responsible for paying those amounts. It's essential to review the Explanation of Benefits (EOB) statement provided by the insurer, which details what was covered and any remaining balance.

Tips for a Successful Claim

Stay Informed: Understand your dental insurance policy, including covered services, exclusions, and any waiting periods. Keep Records: Maintain copies of all documentation related to your dental treatments and insurance claims.

Communicate: Stay in touch with your dentist's office and insurance provider to address any issues or questions promptly.

Follow Up: If there are delays or denials, follow up with your insurance provider to resolve the issue.

In summary, navigating the dental insurance claims process in St. Augustine can be straightforward with the right knowledge and preparation. By understanding the steps involved and keeping accurate records, policyholders can ensure a smooth claims experience and maximize their insurance benefits.

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Long-Term Care Insurance in St. Augustine

The Relevance of Long-Term Care Insurance in St. Augustine

As we age, our health care needs frequently change, and planning for long-term care ends up being crucial. Long-term treatment insurance policy is designed to supply coverage for solutions that are not generally covered by conventional health insurance or Medicare. In St. Augustine, where healthcare costs remain to climb, having lasting care insurance policy can provide comfort and financial safety for individuals and their families.

Long-term treatment insurance coverage covers a range of services, consisting of assisted living facility care, helped living, and home healthcare. These solutions can be expensive, and without insurance, they can rapidly diminish savings and properties. By investing in lasting treatment insurance, people can safeguard their hard-earned possessions and ensure they obtain the care they require without financial hardship.

One of the crucial benefits of long-lasting care insurance policy is the versatility it supplies. Insurance holders can pick the kind of care they obtain and where they get it, providing a lot more control over their health care decisions. Furthermore, long-lasting care insurance can assist minimize the problem on member of the family that may otherwise have to give care or spend for it out of pocket.

It's essential to keep in mind that the expense of long-term care insurance can differ based on aspects such as age, wellness status, and the degree of insurance coverage chosen. However, the cost of not having insurance coverage can be much higher in the long run. By planning ahead and purchasing lasting care insurance, individuals can protect their financial future and guarantee they get the treatment they require as they age.

In conclusion, long-term care insurance policy is a useful financial investment for individuals in St. Augustine. It supplies monetary security, versatility, and comfort knowing that medical care demands will be covered. If you're taking into consideration lasting treatment insurance coverage, contact Health Insurance Diva in St. Augustine to explore your options and discover a plan that satisfies your needs.

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Long-Term Care Insurance in St. Augustine

The Relevance of Long-Term Care Insurance in St. Augustine

As we age, our health care needs frequently change, and planning for long-term care ends up being crucial. Long-term treatment insurance policy is designed to supply coverage for solutions that are not generally covered by conventional health insurance or Medicare. In St. Augustine, where healthcare costs remain to climb, having lasting care insurance policy can provide comfort and financial safety for individuals and their families.

Long-term treatment insurance coverage covers a range of services, consisting of assisted living facility care, helped living, and home healthcare. These solutions can be expensive, and without insurance, they can rapidly diminish savings and properties. By investing in lasting treatment insurance, people can safeguard their hard-earned possessions and ensure they obtain the care they require without financial hardship.

One of the crucial benefits of long-lasting care insurance policy is the versatility it supplies. Insurance holders can pick the kind of care they obtain and where they get it, providing a lot more control over their health care decisions. Furthermore, long-lasting care insurance can assist minimize the problem on member of the family that may otherwise have to give care or spend for it out of pocket.

It's essential to keep in mind that the expense of long-term care insurance can differ based on aspects such as age, wellness status, and the degree of insurance coverage chosen. However, the cost of not having insurance coverage can be much higher in the long run. By planning ahead and purchasing lasting care insurance, individuals can protect their financial future and guarantee they get the treatment they require as they age.

In conclusion, long-term care insurance policy is a useful financial investment for individuals in St. Augustine. It supplies monetary security, versatility, and comfort knowing that medical care demands will be covered. If you're taking into consideration lasting treatment insurance coverage, contact Health Insurance Diva in St. Augustine to explore your options and discover a plan that satisfies your needs.