Insurance cover?
Question:
I have a current claim for tree root defile to a conservatory which insurance company have agreed to cover. As they intend to appoint their own contractors to do the work I dont know the costs. If I arranged to not have the conservatory repaired but to enjoy a new one which would cost me around lb10 - lb12K would the insurance company still administer me the amount they would have rewarded for the repairs? Surely its better for me and them to have a foreign start with things
Answer:
For most policies, if you UPGRADE, they will earnings the amount they would have rewarded. If you DOWNGRADE, or don't repair at all but draw from rid of it, they will pay ACTUAL CASH VALUE, instead of the attraction of the repairs - that would be, cost to repair, less depreciation for age.
But for YOUR specific policy, you should ask the adjuster. Just detail them, you're considering replacing rather than repairing, to upgrade (or doesn`t matter what the reason). If you do that, how much will they pay.
I would visualize the rules are pretty similar here in America as they are in that. That being said, here the insurance company should repay you enough to enjoy the damage repaired and you should hire your own contractor. Unless the blight can be repaired to the condition in which it be before the mess up was done consequently they should replace it. If the damage can be repaired consequently they should still pay you the money and you can brand up the difference. If you have public adjusters near then I'd suggest that you hire one to represent you. These are populace trained to do damage estimates and to catch you the most money possible from your insurance company.
Good Luck
As with any insurance claim, you are entitled to use which ever contractors you so desire.
So, suggest that you wish to use contractors already specified to you (via previous works done at your home), and ask them to give you a settlement integer (Never take the first settlement integer, they start low, either transport the second, or risk going for the third offer). Once they have to agree to you using your special contractor, they will probably only release the funds to the appointed contractor on receiving of their invoice.
Get your 'chosen' contractor to write to you saying that the repairs would be far more expensive (due to adjectives the ground work involved), and would only finishing a few years, and that they recommend removing the old conservatory, and building a clean one in its place. Get them to furnish two quotes, one for repair, and one for replacement. (A decent contractor will know what you are looking for, and relief you out too. Try and find a local builder who has done some virtuous work for someone you know.)
Once you have this, distribute a copy to your insurance firm, and tell them you would be prepared to cover the extra costs to replace the behind the times for a new one. And negotiate until they adopt to pay out, which they will eventually do. You may still enjoy to use the contractor you have found, but you will grasp a new conservatory at the best price, to you and the contractor.
If you can suffer it, try reading the Insurance Policy! I'm not being mean, they are horrible small printy things and I (like most people) rarely read them myself, but formerly you do anything else, sit down with a cup of coffee within your conservatory and go through the entry - you should find the answer in at hand. The words you're looking for are "replacement new" I think. Good Luck
We know why he is call wonkyfella- basically he suggests you and the contractor collude to commit fraud- but dresses it up similar to everyones a winner! wink wink
That is discouraging advice
Keep within mind that I can only speak for the method it works in the US. You are entitled to the amount that it would thieve to repair the damage, lone. You are not required to use the insurance companies contractors. It is your home/property and they can not make you use their contractor. You would be responsible for the difference between the repair cost and the cost to replace it. This would be considered "betterment".
I run into this mostly when someone have flooring damage and wishes to replace it with some other objects than what was within whan the damage happen, but the same principle applies.
S.. i expect it is better
The insurance company in their policy hold the option to repair, replace, or submit a cash efficacy following damage to property - these option are there specifically to restrict insurance fraud e.g. burning down a property and later asking for the insured value.
There is no mar in asking the insurance company of they would consider making a lolly payment - my mother have a greenhouse badly dilapidated and the insurance company paid out the helpfulness of the greenhouse rather than replace it - and as expected you would have to ensure that your property is maintain in a well brought-up condition. I would get an (accurate) quote or two for a bright conservatory of similar design to the damaged one.
If the costs of repair are substantially smaller quantity than the lb10K for a new conservatory and you expressed your preference then the insurance company may resolve to pay you the amount that they would hold paid the repairers towards the cost.
They will not salary you more than the cost of a new conservatory of similar size and design surrounded by any circumstances as you would be making a profit - which is contrary to the principles of insurance.
Some comments allude to fraudulent actvity. What you have requested is not fraud, however to pick up misleading quotations etc to increase the total paid out by the insurance company to be sure would be.
Appoint your own loss adjuster to negotiate for you. And fix his fee contained by advance.
Digital Hearing Aid Insurance?
Question:
Hello
I have 2 digital audible range aids, can anyone advise any right places for insurance on them, thanks
Andrew
Answer:
They would be coverable underneath a house hold insurance policy. You would need more than simply basic contents policy you would call for accidental twist policy would do but out & about shopping, travel et you would requirement personal belongs cover.
Are they not covered by your house insurance.
Try an insurance brokers office, Swinton etc
Here is a website that have links to many companies that propose insurance for hearing aids. You enjoy to scroll almost to the bottom, but there's a whole paragraph on it. Good luck!!
http://www.listen-up.org/haid/hear-aid.h...
Absolutely. There are extended warranties available through the businesswoman. Some dealers don't propose that service, for obvious reason. For actual insurance, Esco is the only one I know of, that offer coverage to individuals to insure their aids. They have a 'platinum' plan, which covers loss, mar & repair. Their gold plan covers repair one and only. The cost depends on the make & model of your aid. If you're worried just about loss & damage some home-owner insurance cover aid, if they're diluted @ home.
Check out the Esco website. http://www.earserv.com/plans.htm...
I have be a hearing aid dispenser for 24 years.
All audible range aids sold in the US are provided near a warranty consisting of several different provisions. One provision is called Loss & Damage and another provision is call Repair.The Warranty Period can be either 1,2,3,4,or 5 years.
Sometimes the Repair Provision is provided for a longer interval than the Loss & Damage Provision. The Loss & Damage provision usually allows for a 1 time replacement of the hearing aid. Usually individual a declaration that the audible range aid is out of the possession of the owner, for any period of time, regardless of the sense, is sufficient for replacement of the hearing aid. With the advent of Digital Hearing Aids, Manufacturers started charging a nominal tax for such replacement. Usually less than $200 regardless of the model or horizontal of the hearing aid. The Dispenser (whatever their title) usually add a nominal fitting fee of $150 to the $200 replacment cost for their services. The total replacement amount is usually $350 per respectively aid replaced.
There is never a charge for any type of electronic repair during the stated repair warranty period. The Damage Part of the Loss & Damage Provision routine if the shell or the faceplate is damaged surrounded by any way, such as person crushed,chewed,cracked,as long as the faceplate is intact and the existing electronics can be re-used, it is not charged as a replacement and there is no restriction as to the amount of times the hearing aid claim as "Damaged" can be made and within is never a charge by anyone involved.
If in reality the warranty has expired on the existing audible range aids,and as long as they are in working instruct, then a Replacment Warranty Plan can be purchased through multiple Companies. Some Companies sell the stated Provisions separately or within combination. My advice is to buy the combined plan. The Dispenser pays a wholesale price and can charage anything the traffic will bare. Check around for price. Also come by, in writing, what if any charges will be levy in the event of a claim.
Starkey Labs have a Division called PBS head by a man named Russ Ferrin who can answer any further question you may have. His toll free number is 8OO-328-8602.
I deduce all the option have be well described here, the switch to which one to chose is to answer two questions: What description of coverage do I want, and if my HA got eat by my dog, do I love it enough to replace it next to the same manner of HA?
Homeowners insurance is the cheapest, but it will only cover loss or pinching, not damage. ESCO have different levels of coverage, some that cover make worse but exclude normal wear and split. The manufacturer's insurance is also good, but next you are somewhat financially locking into that manufacturer. If you love your HAs, that isn't a problem, but if you deem you might want to be changing manufacturer in a couple of years, after buying a five year extended warranty on your current HAs might not be the best option.
For my daughters Oticon audible range aids, I carry top of the string ESCO coverage -- she's a kid (i.e. more likely to make worse them). For my HAs (which are her hand-me-down Phonak Claros) I don't carry any insurance at adjectives -- I could replace one on EBay for about $300, and the insurance be about $180 per year for two, because the premium is base on the retail price to replace them, not their fair flea market value.
Add them to the All Risks/Personal Possessions booth of your household contents insurance. Also, if you haven't already done so, combining the buildings & contents under one policy will allow you second discounts under both section and also means singular 1 excess is payable in the event of a claim affecting both section.
Will an Insurance Company license an unsullied product opinion presented by an individual not representing another comp
Question:
I have an notion for a new insurance product that have never been done. It's legitimate, fills a requirement,and benifits both the insurance company and the public. I want to know if I can license my idea to an insurance company.
Answer:
Insurance Companies own research and development depts specifically for New product marketing. Sometimes these different products take time to develop do to actuarial studies and insurance filings next to their State dept of Regulation. Also the company depending on the product must comply with their re-insurance treaties.
If The Glove fits ---wear it!
If you are an agent and affiliated beside an agency or Brokerage then it would be advisable to contact one of your market that would have the aptitude of reviewing your "masterpiece". Many times they would consider an enhancement to a "current" program they own. Also...sell them on human being the MGA for the product. (Managing General Agency" this way would not singular get commission on every time they flog it but also Overrides.
If you are NOT an agent and affiliated with another agency or Brokerage I would do that first .
Do you own a patent on it? It's pretty intricate to license an "idea". In order to even souk it, you're going to have to enjoy hard proof that 1. it's profitable on a generous scale spring and 2. it's implementable. You'll have to show your actuarial notes in the marketing, and allowed opinions as to feasability.
You're NOT going to be capable of give them a partly paragraph, and expect someone else to do all the research for you for free.
Is in that such a entity as Medicaid C?
Question:
My Great Aunt recieved something on Medicaid C but I can't find diddly on it on-line. She's elderly and I really don't want her getting scammed.
Answer:
Medicare is the federal health insurance program for population with disabilities and over age 65. Medicaid is extra state medical assistance.
Some people refer to Medicare supplements as "Part C." This is a condition insurance that is purchased within addition to Medicare Parts A (hospital) and B (doctor) and very soon D (Prescription). The major strength insurance companies offer these supplements. Most I see are surrounded by the price range of $150-250 per month. They may present additional coverage on doctors and hospitals or cover services that the other parts don't, such as daydream and hearing aids.
It is graceful to get scammed into paying for things that aren't really essential. If she has like mad of medical problems or you anticipate she might in the adjectives, it may be helpful to purchase some other coverage. If not, it may not be worth it.
SHIIP (Senior Health Insurance Information Program) is a great non-profit organization that help people create these decisions base on their situation. You can put SHIIP plus your state into a web check out to find a local office.
medicare is split into different section. Part A covers hosptialization Part B covers tests, doctors visit ( a fee is taken out of Social Security every month to cover this) Part C covers HMO, Part D covers medication and Medigap does only just that..it covers the gaps between Part A and Part B
There is a significant difference between Medicaid and Medicare.
Medicaid is a state-controlled, federally funded program for individuals who have no assets nor income to afford medical cocverage.
Medicare is an entitlement, at age 65, or as a result of disability that we adjectives pay into during our working years. This have parts A, B, C, and now D. A and B are basig Medicare coverage for inpatient and outpatient services. Part C is a manage care remedy offered by several insurance companies throughout the country. Medicare part D is the brand new prescription drug program.
If she is receiving information concerning Medicare Part C, then it is possible legitimate. Contact your State's Department of Insurance to verify that the company offering the coverage is licensed to trade product in your state.
Are you conversation about Medicare segment C?
If you mean MediCARE division C, Yes, it exists.
I own a serious insurance press?
Question:
I have a small company that I work on the weekends. I work mabe 20-30 hours a month. i go to get insurance and it be $1300 a year, the same as if I worked it full time. Why am i paying alike if I worked 24/7? If I drove 100 miles a day to work it would be more than if i drove 5. My auto insurance would be smaller amount.
Answer:
what kind of insurance are you conversation about? condition? liability? auto? disability? workers comp??
When policies are issued, there's usually a "minimum premium". No matter how low the exposure, the insurance company will charge XYZ dollars for the policy, to cover their administrative expenses.
Additionally, some lines of business, specifically workers comp and liability, enjoy higher incidences of claims for section time businesses as opposed to full time businesses - that make the cost of part time business insurance MORE than full time.
Lastly, the lone type of policy I know of where hours worked is truly a rating factor, is medical malpractice. All other types are either, you do it, or you don't. Rating idea for liability is usually payroll, square footage, or gross sales. Rating proof for auto is usually type of use, and radius of operations. Rating idea for Workers comp is payroll, and for Health and/or disability is age/medical history.
Because your vehicle is insured 24/7, not just the time you are using it.
Ive never see you have a serious cross-question sister,.......................... ,................................ just dont know what to say-so . ( whimper) Im deeply moved
I don't chew over the insurance bases its rates upon the amount of hours....
a small company is newly that a small company.... isn't the insurance determined by the work, by the location, and things like that
If you are looking for strength insurance coverage, it is not limited to the hours you work. The premium is calculated by the risk that you, as a party, present to the insurance company that would be covering you. You have purely as much of a chance of getting sick as somebody that works 12 hours a time. Why would you think you would hold to pay smaller quantity?
Is this for liability insurance?
What does this business do?
How much money in payroll does this company money?
I call for to hold my widom teeth removed, but dont enjoy insurance or brass upfront. any suggestions?
Question:
Answer:
Talk to the oral surgeon. When I needed a crown and didn't have $900, my dentist told me he have access to a lending company that does no-interest loans for one year. I finished up paying it off surrounded by about 10 months, but it's an outside service and it finances dental work. Your provider requests to refer you to them, though.
start making payments,,
Call around to a few places and ask about making payments. There are doctors out within that do this, I have have to do it before. As long as you can put together the payments on time, it shouldn't be a problem.
I don't know what city that you live within, but typically there should be a county or community hospital that would do the work base on income.
Go the dentist closest to you and tell your story to him/her. They will come out near some alternative because I know these dentists never want to loose a customer. Trust me.
If you can make it to a Mexican border town the dentist in that are alot cheaper.I had a six tooth bridge done in attendance for $1900.00.Here in my town it would enjoy cost $3900!! That was five years ago and no problems next to it.Ask around the town on the US side what the best dentist is across the border.
there is a card you can apply for call credit care, you win your dental work done, and use it like a credit card, and you repay on it every month, I've got it and it have literally saved my existence. you apply for it at the dentist office. a short time ago ask for it at the front desk.
Most dentists would probably work out a payment plan for you. Also, if you live in the vicinity a dental school, you might know how to get the work done for cheap or free by letting a dental student (supervised by a licensed dentist) do the work.
Yes you can go and get a Dental plan that cost 11.95 a month and this will save you alot of money it did for me you can e-mail me and I will contentedly give you the info on it....
What can you do if your strength insurance denies a claim after you've have an operation?
Question:
and initially you were told that they would cover you almost surrounded by full. (i got a bill for 17 thousand dollars) for an operation I have that my doctor's secretary told me would be covered 90% by insurance.
Answer:
Take it up with the doctor's secretary. Nice of her to speak for the insurance company.
What the secretary say doesn't bind the insurer to anything. In the meantime, appeal the claim. Can't get any worse.
Ask the insurance company for a ruling surrounded by writing,then consult an attorney. Save any related documents. You may ultimately be responsible for the debt unless you can prove some sort of fraud on the segment of the Dr. This could drag out for years and wreck your chances for credit if you are not proactive on getting this cleared up.
Appeal the claim...
You can appeal the denial. Many times it will be authorized, if you merely have the medical provider submit the proper documentation.
What is not noted is whether a pre-determination/certificatio... be made. This actually done by the doctors bureau. They don't want to NOT get remunerated. The presumption is that due to the secretary saying this that a pre-cert. be done. But we can not go by presumptions presently.
Call the doctors office and ask for the 'pre-certification' number given by the insurance company to them to verify a phone call was made to insurer.
If in attendance is no pre-cert number given find out why. (This is ultimately your responsiblity so don't get too upset) While on phone beside the office find out if they enjoy the EOB showing denial and ask them what they can do to assist you. They could file the appeal for you but to be exact not standard within doctors office like it is within hospitals.
You then may hold to simply request an appeal to the Utilization review board of your insurance company. Find out if it was because of no pre-cert or other apology. Be prepared to get medical paperwork of necessity etc.
But don't despair! The appeals process is unanimously handled summarily and efficiently by most insurance carrier. More than 80% of claims denied that go through appeals process CORRECTLY are remunerated very swiftly.
Even if you were the one who call the insurance company, ALL of them have this disclaimer: "Quote of benefits is not a guarantee of contribution. Actual benefits are determined when a claim is recieved" Meaning, they can TELL you anything, but can DO something else.
Call your insurance company and find out the EXACT reason for the denial - could be they did it surrounded by error, or a portion of it wasn't authorized in finance (in that case, it's not your problem. Someone at the provider's organization or the hospital dropped the ball, and they own to fix it or eat it. ), or some portion of it be out of network - surrounded by which case you enjoy to appeal it.
When you don’t have money to bring back the care you want, here are some free resources for you, read through them, and pick up the phone, and get your needed assist.
http://www.nlm.nih.gov/medlineplus/finan...
http://ask.hrsa.gov/pc/
http://www.omhrc.gov/templates/browse.as...
http://www.hrsa.gov/help/default.htm...
http://www.thefrugallife.com/medicalalte...
http://www.G00GLE.com/search?q=free+low+...
Free and low cost prescription medication:
http://www.xubex.com/
https://www.pparx.org/intro.php...
http://www.nami.org/template.cfm?section...
http://www.themedicineprogram.com/links....
http://www.cancer.gov/cancertopics/facts...
Financial Assistance and Other Resources for People With Cancer:Cancer impose heavy financial burdens on both patients and their families. For several people, a portion of medical expenses is salaried by their health insurance plan. For individuals who do not enjoy health insurance or who involve financial assistance to cover health thought costs, resources are available, including Government-sponsored programs and services supported by nonprofit organizations. Cancer patients and their family should discuss any concerns they may have roughly speaking health caution costs with their physician, medical social worker, or the business bureau of their hospital or clinic.
This is about FREE hospitalization, if you necessitate it and they WILL help you!
http://www.hrsa.gov/hillburton/default.h...
Hill Burton Hotline
1-8OO-638-0742
(1-8OO-492-0359 contained by Maryland)
In 1946, Congress passed a law that give hospitals, nursing homes and other health services grants and loans for construction and modernization. In return, they agreed to provide a defensible volume of services to persons incompetent to pay and to clear their services available to all those residing in the facility’s nouns. The program stopped providing funds in 1997, but something like 300 health attention facilities countrywide are still obligated to provide free or reduced-cost care.
http://www.hrsa.gov/help/default.htm...
Medicaid is for folks under 65, medicare is for the seniors.
How to apply for Medicaid or medicare
http://www.cms.hhs.gov/medicaideligibili...
http://www.aarp.org/money/lowincomehelp/...
For information going on for Social Security, Medicare, and disability benefits, call the Social Security Administration at 8OO-772-1213.
http://www.ssa.gov/
For information almost Medicaid, contact your local social service or welfare office. You can also find information almost Medicare and Medicaid at www.CMS.gov
How To Pay for Mental Health Services
http://mentalhealth.samhsa.gov/publicati...
http://depression.about.com/cs/findadoc/...
Additional Public Benefits for Families Raising Children: http://www.nlm.nih.gov/medlineplus/finan...
DENTAL HELP:
Free or low cost dental meticulousness United States
http://www.nidcr.nih.gov/nr/rdonlyres/53...
http://www.raconline.org/info_guides/den...
FREE AND LOW COST DENTAL HELP FOR DENTURES , BROKEN TEETH , PAIN , ETC.
http://dental-assistance.app-sl-1.aidpag...
Need eyeglasses or eye care?
http://www.nei.nih.gov/health/financiala...
http://www.uniteforsight.org/freeclinics...
Free Mammogram:
http://www.cdc.gov/cancer/nbccedp/...
How to Get a Free or Low Cost Pap Smear, The National Breast and Cervical Cancer Early Detection Program provides free or low cost Pap smears to eligible women across the country. Through this program, uninsured and flat broke women can receive Pap smears at local clinics and doctor's offices.
Here’s a chronicle for every state:
http://cancer.about.com/od/screeningandd...
Where can I step to get free or reduced-cost prenatal attention?
You can call this number if you want free birth control help, too!
Women surrounded by every state can get relieve to pay for medical fastidiousness during their pregnancies. This prenatal care can aid you have a glowing baby. Every state contained by the United States has a program to serve. Programs give medical watchfulness, information, advice and other services exalted for a healthy pregnancy.
To find out nearly the program in your state:
·Call 1-8OO-311-BABY (1-8OO-311-2229) This toll-free mobile phone number will connect you to the Health Department in your nouns code
·For information in Spanish, give the name 1-8OO-504-7081
·Call or contact your local Health Department.
AIDS or HIV?
Question:
1. What is the difference and what would be the political right way to address folks....victim? tolerant?
2. If a HIV career who is immediately down with TB, in attendance is no telling what the probability of survival-if any.
What are her claims or entitlement upon her own life insurance policy?
Answer:
you enjoy to check your insurance policy contract. especially if your policy includes a critical illness rider.
HIV is have the virus; AIDS is when the virus is causing symptoms. Some natural life insurance policies are including clauses to that affect dealing with persuaded cancers...you would enjoy to review the policy closely. Contact your local health department and they can insist on you on your rights.
HIV is the virus itself, you can be infected with the HIV-virus but not hold AIDS. You got AIDS when the virus is starting to affect your body and is breaking down your immunesystem. In both cases you are a shipper of the virus and you can transfer it to other population, so my advise is: If you get infected with the HIV virus:
Always explain to your sexual partners
If the character you're having sex near is OK with it, other use a condom.
Be careful beside cuts and other wounds because blood can transfer the virus too.
HIV delivery service will be carrier until cured. martyr is patient. merciful is not always martyr.
A BRIEF HISTORY OF AIDS
In the early 80's, doctors started seeing more and more culture with suppressed immune systems coming into emergency rooms next to several opportunistic infections. These were primarily gay men and intravenous drug users. There be
panic inwardly the gay community and in the nonspecific population as more and more people begin dying of what was call AIDS: Acquired Immune Deficiency Syndrome.
In 1984, Robert Gallo, a research scientist working for the National Institute of Health (NIH), announced in a press conference that he have discovered the probable cause of AIDS, and that it be a retrovirus later call HIV: Human
Immunodeficiency Virus. Without having published his findings for peer review he announced this to the Fourth Estate. The media fast ran near it, and people begin demanding funding into research into HIV, all base on the assumption that
HIV is a sexually-transmitted pathogen that causes AIDS.
The gay community especially rally and pushed for more AIDS funding and better education give or take a few 'safe sex'. In 1987 a drug called AZT be approved by the FDA for the treatment
of AIDS, and this began a multi-billion dollar industry.
RETROVIRUSES DO NOT CAUSE DISEASE
HIV is a everyday retrovirus. Its genetic composition does not differ very much from other retroviruses. No retrovirus have ever been shown to do disease outside of a lab. Unlike ordinary virus, retroviruses do not kill their host cell. Retroviruses occur essentially inside of the cells of tons animals, including humans. Retroviruses are seen by various scientists to be naturally occurring parts of our cell. Retroviruses are not sexually-transmitted, but they are passed from mother to child. Retroviruses had be studied by the NIH extensively throughout the 70's in hopes that they would find a retrovirus that cause cancer. Because retroviruses do not kill cell, they were a fail-safe candidate for cancer, contained by which cells do not die but instead multiply fast.
Millions of dollars went into adjectives of this research into retroviruses with nought to show for it. Gallo himself tried to prove more than once that he had found a disease-causing retrovirus, just to be debunked by the proven community. When AIDS appeared, Gallo and the NIH were already looking for a
disease that they could blame on a retrovirus, to claim all of their misspent funding.
HIV HAS NEVER BEEN FOUND
HIV has never be isolated from human blood. What AIDS researchers call isolation of HIV is the finding of guaranteed chemicals and enzymatic activity that they claim indicates the presence of HIV. They find proteins and RNA thought to come from HIV, or they find reverse transcriptase activity.
But none of these proteins, RNA strands, or enzyme endeavours are unique to HIV.
What most AIDS scientists research within their labs is a lab artifact. It is HIV that is created and grown contained by a lab, and it is thought to be the same piece that causes AIDS when it infects family.
THE TEST DOES NOT FIND HIV
The test for HIV does not look for an actual virus within your blood. It looks for antibodies that will react next to a set of proteins that are produced by HIV. But none of these proteins are specific to HIV. Antibodies in the blood resulting
from other conditions can cross-react beside the proteins in the HIV examination. Blood must be diluted before human being tested for HIV. Without dilution, all blood sample would test positive for HIV because we adjectives have some antibodies that will cross-react near the test. There are at tiniest 66 factors that are agreed to
cause false positive results on an HIV exam, including other infections, drug use, and receptive anal sex. Having unprotected sensitive anal sex causes your body to produce antibodies surrounded by response to semen.
These antibodies to semen can cross-react with the proteins surrounded by the HIV test, producing a false positive result. In mixing, people of African descent own a higher probability of
conducting tests false positive, because they naturally hold a greater variety of antibodies within their blood.
NO GOLD STANDARD FOR HIV TESTING
HIV tests are not standardized. This is because HIV have never been isolated from human blood, so near is no way to know how specific the test are to HIV infection. The Food & Drug Administration (FDA) does not approve a single HIV
test for the diagnosis of HIV infection. There are diverse tests, and the results are interpreted differently contained by different countries. So the same example of blood could test positive within the United States while testing distrustful in Europe. Another more expensive HIV try-out is the viral load check. Viral load
carrying out tests makes use of PCR: polymerase tie up reaction. It take a very small amount of gene and makes ample copies of it that you can detect it.
Dr. Kary Mullis, who won a Nobel prize for inventing PCR, is among the scientists who say that HIV does not mete out AIDS. He claims that viral load carrying out tests is a misuse of PCR. PCR does not find isolated virus in the blood. It finds pieces of RNA strands thought to belong to HIV.
PRESENCE OF ANTIBODIES MEANS IMMUNITY
Usually, if you experiment positive for antibodies that means that your immune system have effectively fought off a pathogen and you in a minute have imperviousness. But with the HIV trial, the logic is reversed. Instead of meaning that you presently have imperviousness to HIV, testing positive is said to indicate that you are infected and your immune
system has spoilt to neutralize the virus. The great hope for many who believe that HIV cause AIDS is that researchers will some day develop a vaccine. But vaccines work by cause your body to produce antibodies specific to a pathogen.
If a vaccine for HIV was created, everyone who have the vaccine would then exam positive for HIV on the non-specific antibody tests in a minute in use.
AZT SUPPRESSES THE IMMUNE SYSTEM
The productive drug used to treat people near AIDS, called AZT, be not created for AIDS treatment. AZT was originally developed within the 70's as a chemotherapy drug for cancer patients, but it was not approved because it be determined to
be too toxic. Chemotherapy for cancer patients is limited to a consistent duration, while AZT and similar drugs are prescribed to AIDS patients for the rest of their lives. The study that lead to FDA approval for AZT have now be shown to have be fraudulent. The package for AZT say: "TOXIC. Toxic by
inhalation, in contact beside skin and if swallowed. Wear suitable protective clothing." Among other side effects, AZT destroys the bone marrow of the body.
The reason doctors see an initial rise within their patients' T cell count after taking AZT is because the bone marrow is where T cell are produced. AZT destroys the bone marrow and this releases more T cells from the marrow into the blood. Prolonged use of AZT have been shown to suppress the immune system and lower T cell counts. About 95% of AIDS-related death have occur since the release of AZT.
ANTIRETROVIRAL SIDE EFFECT LEADING CAUSE OF DEATH
The newer protease inhibitors used in combo psychiatric help are also a type of chemotherapy. They work by preventing the replication of genetic material belonging to HIV. But these proteins are not specific to HIV, and the protease
inhibitors do not exclusively target HIV. The peak cause of destruction today for people next to AIDS is liver failure. Liver dud is not an AIDS-defining illness, but it is a prearranged side-effect of the protease inhibitors. AIDS patients can see the disappearance of some symptoms while taking the drug cocktails. This is because the drugs they are taking are global poisons that
snuff out many microbes surrounded by the body that may be pathogenic, such as bacteria and other virus.
ANTIRETROVIRALS NOT PROVEN TO IMPROVE HEALTH
The drug companies claim that the release of protease inhibitors in 1996 be responsible for decreased death due to AIDS. But deaths from AIDS have already begun a falling trend three years before contained by 1993, and the introduction of
protease inhibitors did not significantly alter this trend. Studies are no longer comparing AIDS drugs with a placebo. Now when they testing a new antiretroviral drug they compare a group taking the topical drug with a group i.e. taking the older drugs. There are no studies self done comparing the difference in strength between people taking the AIDS medication and people who are not taking the drugs, though several HIV positive people organize healthy lives free of disease for lots years, without taking AIDS medication.
CDC REDEFINES AIDS TO INCREASE NUMBERS
AIDS statistics can be highly misleading. This is because of the many definition for AIDS that have be used by different countries and at different times.
Originally, in the United States you have to test HIV positive and enjoy one or more of the AIDS-defining illnesses to be counted as somebody with AIDS. In 1993 the Center for Disease Control (CDC) expanded this definition to include
anyone who tested positive for HIV and have a T cell count of under 200. This nearly tripled the perceived number of AIDS cases surrounded by the US. Many of the people who hold AIDS by this definition are perfectly full-bodied, and would not be
considered to have AIDS if they moved to Canada.
AIDS IN AFRICA CAUSED BY POVERTY
Today we are told that ridiculously voluminous numbers of people surrounded by Africa are HIV positive and will die of AIDS unless treated. These statistics are not counts of people who hold actually tested positive. It is an estimation generate from
a sample population. The token population is primarily pregnant women, who are the ones who get priority for medical treatment surrounded by poor countries. But pregnancy is known to be a source for false positive results on HIV test. And
people of African descent within general are more promising to test false positive.
The World Health Organization does not require a positive HIV testing for the diagnosis of AIDS in Africa. All that is to say required is a certain number of symptoms. But adjectives of these symptoms can also be explained by malnutrition, malaria, and tuberculosis, conditions that enjoy been vigour risks for Africans
long before the invention of AIDS. The vigour of poor Africans would undoubtedly be improved next to better food and sanitation.
But funding is now individual geared towards delivery of toxic AIDS medication to Africans rather than for these fundamental essentials.
AIDS DEFINES ITSELF
Clearly many relations have died surrounded by this country and elsewhere as the result of a suppressed immune system. But the 29 AIDS-defining illnesses are not new illnesses, and they adjectives have previously documented cause and treatments.
Diagnosis of AIDS now works approaching a formula. If you have pneumonia and you trial HIV negative, you are told you own pneumonia. If you have pneumonia and you exam HIV positive, you are told you have AIDS and you are treated near toxic
AIDS drugs. For those people who are truly immune suppressed, in that are other possible explanations for this phenomenon, and many not dangerous non-toxic therapies.
DRUGS AND MALNUTRITION CAUSE AIDS
If the true condition of AIDS is a suppressed immune system inept to fight past its sell-by date opportunistic infections, there are copious other factors that can produce this.
Drugs such as cocaine and crystal methane are known to suppress the immune system. These drugs be used extensively by many gay men surrounded by the 1970's and 1980's. Intravenous drug users who have AIDS are said to be immune suppressed due to HIV, to some extent than due to the drug they have be injecting.
Corticosteroids and some antibiotics, often prescribed to drug addict and promiscuous gay men, are also immune suppressive. Blood given to hemophiliacs and other transplant recipients used to be treated near immune suppressing
agents. Now with a unmarked way to treat this blood, AIDS among blood recipient has decline. Despite predictions of a global epidemic, AIDS cases within the United States have remained confined to its productive primary risk groups: promiscuous
gay men and intravenous drug users. In the gay party scene, drug use, hunger, and sleep deprivation continue to be big risk factors for immune not as much as.
POPPERS CAUSE KAPOSI'S SARCOMA
Kaposi's Sarcoma is one of the AIDS-indicator diseases, but it primarily occurs surrounded by gay men and not other AIDS groups. Nitrite inhalants or poppers, used extensively by gay men in the 70's and 80's, own been shown to basis Kaposi's Sarcoma (KS). KS is a cancer of the blood vessels. Nitrites are specified
carcinogens. KS is usually seen surrounded by gay men around the face, mouth, and contained by the lungs, all sites of contact next to nitrite fumes.
There are many record incidents of KS in HIV-negative gay men who used poppers. As the use of poppers decrease in the 90's, the incidence of KS also decrease. Poppers are still
used by many gay men.
FEAR ALONE CAN CAUSE AIDS
Fear and anxiety is another factor that can suppress the immune system. Stress releases cortisol contained by the body. This cortisol is used to help break down tissues for the release of animation needed in a combat or flight situation. But prolonged
stress and anxiety creates abnormally giant levels of cortisol contained by the body.
Cortisol has be shown to suppress the immune system and decrease T cell counts. Irregular sleep or paucity of sleep also increases cortisol levels. Gay men who facade discrimination and cruelty for their sexuality can experience chronic fear and anxiety. Intravenous drug users also facade a lot of chronic
anxiety and paranoia as part of their addiction. Testing positive for HIV itself can create huge amounts of fright in the entity being diagnosed.
Who insures the reinsurance companies?
Question:
Answer:
Many of them have pooling arrangements and they share the risks beside each other. They don't newly take on the entire potential liability. To do so would product them a one-claim bankrupt enterprise.
States mandate devotion in Guaranty Association by natural life and health insurance companies doing business surrounded by each said state. They, afterwards, collectively endeavor to aid policyowners of insolvent companies up to specific dollar amounts.
another reinsurance company.
the reinsurer who sells reinsurance to another is agreed as retrocessionaire and the reinsurance company that purchases the reinsurance is the retrocedent.
Who covers it?
Question:
I hit a rock with the lawnmower and sent it through time and space where on earth it found the back skylight of my Ford explorer. Who covers the damage to the porthole. My car insurance or my home owners?
Answer:
Your coup¨¦ insurance. Here's why:
The car insurance will cover broken cup under the "comp" paragraph, regardless of cause, subject to your deductible.
The homeowners policy would provide LIABILITY coverage, if your rock go through someone ELSE'S windshield - because you'd be legally liable for the blight - that means, if they took you to court to sue you, they'd win.
You can't sue yourself, so you can't collect on your own homeowners policy underneath LIABILITY coverages. So you have to run to your auto policy. Sorry.
I'm not sure. My suggestion would be to ask your insurance agent. Assuming your car be in the driveway, you might hold a hard time getting it compensated because usually auto insurance does not cover damage sustained while parked contained by the driveway.
Can I conversion my insurance agent?
Question:
Recently I found that my insurance agent has cheated me by misguiding me in the region of some wrong investments and now refuse to provide me any more services. Now if some other agent is ready to serve me, or I enjoy to make someone, can i correct my agent in the journal of insurance company. so that if someone is giving me the services he should get the commission or reward for duplicate.
Answer:
For your future insurance transactions, you may transmutation your agent as many times as you choice. For the existing business you have given, the respective agent who have it from you would keep getting the commission etc. till the transactions are over or you discontinue.
yes you can.
commission is for any closed accord...honest or not.
Now one thing you can do is stop the transaction and discontinue it, so that the agent can't claim any commission. You inevitability not be depended on the agents any more.
You can start a new transaction near a new agent and verbs. By that time you drop complaints to all sophisticated officials on the subject of his poor service and he will be definitely contained by trouble. Even you can file a suit against him.
s. u can.
You cannot devolution the agent for the policy you had already taken.
If you aspiration you can take another policy from any other agent and avail the services. usually, we agents contribute service for any other policies also for our customers.
Please give full details of your policy, for further counsel in this good opinion whether you have to verbs or may discontinue without much loss.
well brought-up luck
pnkmurthy@yahoo.com
Of course; you're not under contact next to the agent, right? Investments under the guidance of somebody else is an iffy item; some of them are out to line their own pockets, not necessarily yours. Contact the insurance company directly or run to their website for a list of agents within your area...and inform them of the problem you've experienced near your current agent.
You have the right to chose whoever to toy with your insurance needs. We phone this BOR (Broker of record) which is a written authorization from you that you wish (give Name) to be your agent beside (certain company). Usually the incumbent agent will get the commission until the contract expires.
Depending on what nice of insurance you have beside this agent I would do a BOR 2 months before renewal since the insurance company wishes at least 10 days to See if it rescinded.
I own not seen any answers that point this out. If the agent sold you something by misrepresenting the product, especially if it be presented as an investment or savings plan, phone the Insurance Commissioner in your state and database a complaint. This is illegal. Second, give the name the General Agent at the agency where the first agent works and consent to him know you filed a complaint. File the complaint first. Talk next to a second agent, either at impossible to tell apart firm or somewhere else and get a spanking new policy. Be careful, you may lose everything on the first policy unless you wallet the complaint.
Good Luck.
In the insurance sector, always you hold to choose the right
agent, Youcan terminate the frud agent, a discussion near the higher authrities, by ligally. After termination, that agent never obtain any commision from the authrities.
Of course you can change your agent. Its far-reaching to realize who is in control here. You hired that agent and you can fire that agent.
Interview other agents who can rep that company. All contemporary business commissions will now be in motion to the newly hired agent.
yes, you can conveyance your agent at any time .the existing agent is misguided you that's all but not cheated you near your money. so no need to turn to higher official and make it a big issue because he may obverse many more problems next to this so forgive him and do not allow him in your nouns for any more further business.
yes, you can change if you are intrested i myself set to help you if you are surrounded by chennai pls mail me i am all set to help you pkvjaisankarrr@yahoo.co.within
For an existing policy, you will not be able to modification the insurance agent, unless the agent himself is no longer available. For such policies (I believe they are called stray accounts), the insurace could assign some other agent to service that policy. For any new insurance policy, you other have the choice of picking an insurance agent of your choice.
Please recount which company medicalim policy is honest (family floater)?
Question:
Answer:
lic
Life Insurance Company. is the best
New india insurance provides best deal near domicilary treatment reimbursed as well
within is no mediclaim policy with lic combined india insurance is the best for mediclaim policy . The lic is giving claim for only 4 central diseases.
Here is an excellent site with some wonderful option 4 U.
LIC International policy will hold glum impact as dollar weaken?
Question:
I have LIC International policy (fully remunerated in USD) and the return is expected between another 15 - 20 years. Ever since I took the policy, the dollar starts diminishing agnst rupees. I am presently in Gulf and surrounded by 2-3 years I will settle down in India. If the rupee merit increases like this, after 20 years when the policy return is converted to consequently rupee value, will it be a big loss? Will it be better to convert it in a minute and keep surrounded by rupee for the rest of the policy period? Kindly recommend.
Answer:
Yes it may have a leading impact.
IN/GOV -Special Needs insurance?
Question:
Does the state of IN carry any type of insurance for special
wishes children whose parents are self-employed and make
too much money for medicaid ? Evidently, medicaid does
not consider a Downs Syndrome child as disabled within OH
and we wondered if IN has a program for them?
Answer:
Check near your local chips program - here - http://www.in.gov/fssa/maternal/hoosier_...
and pass them a call. It doesn't right to be heard so on the website, but many states, if you enjoy a special needs child, after the state health insurance program is base on the CHILD'S income, not the parents'.
I would also check with the local Down's Syndrome support group, as they might also enjoy more suggestions.
Is Travelers the worst aut insurance company?
Question:
I only have Liability when my car be totaled in a collision next to another car, so my insurance co. would single pay for my saloon, of course. But Travelers, (the insurer of the other car) claimed I be 80% at fault even though I be making a legal turn and the other saloon smashed me in the side because he be doing over 50 in a 30. The other piece, when my car needed to be inspected so I could carry the other 20%, they took over a week to send a claims adjustor and later didnt tell me for another week that it have been inspected a week ahead of time. Meanwile I was racking up storage fees. ($50 a day) adjectives along I tried contacting them but they kept telling me the personality who handles my skin was on leave. In the end Travers would just pay 20% of the storage even though it be 100% their fault. It should enjoy taken 1 day to seize my car inspected 2 at the most.
Answer:
Well, in attendance are "Standards of Fault" from case ruling, that are used to determine fault. And if the other guy be going straight through the intersection, and you were turning . . .. you should enjoy yielded to the oncoming vehicle - lawful turn or not - which DOES make you mostly at defect for the accident. It's truly kinda generous of them to stress their guy 20% at fault - they didn't HAVE to do that.
Now, this is lesson widely read for next time, as expected, but when you don't have collision, even if you expect the other guy is at fault, enjoy your car towed to YOUR HOUSE. That channel there aren't any storage fees - basically the towing bill.
NONE of this is Travelers fault. THEY didn't hit you. The other driver did - when you turned within front of them. You're right - it took WAY too long for them to look at your car, BUT, you're not their policyholder! THey hold NO obligation to you, until a peacemaker says their guy is at knock and has to retribution!
Now, I know you're not going to pick me for best answer, because you're not going to like these things. But subsequent time, if you want YOUR insurance company to help you work a claim, you'll own to buy the collision coverage. And before you turn moved out into an oncoming vehicle, be certain they aren't close adequate to hit you, even if they floor the gas. Because now YOUR liability will credible be paying 80% of THEIR damages, and 80% of THEIR medical/bodily injury.
Actually, if you REALLY think they're 100% at reprimand, just call for your agent, and ask them to call your adjuster (because you KNOW they're going to dance after you for the 80% of damage to their car), and ask if your insurance company agrees near their determination of fault. See how much your liability ends up paying out - and ask them for the percentage.
I am an independent agent and Travelers is one of the companies that I represent. You do not state if you be making a left turn, a right turn or right on red which would affect the liability. Also how do you know that the other party was going 50 surrounded by a 30 mile per hour zone--was the speeding determined by radar? If this was not determined by radar, it is with the sole purpose an opinion not a certainty. All insurance companies have a duty to satisfactorily investigate and determine the liability in a comportment consistent with the imperative and can only earnings claims based on their client's liability. In some states if you are 1% at idiosyncrasy you are barred from collecting anything. In amalgamation if your car be in storage you have a duty to mitigate your damages which basically ability you should have done everything possible to not verbs racking up storage charges. If your vehicle could be repaired, you should have moved it to the shop where on earth you were ultimately going to do the repairs and you would not enjoy had storage charges--leaving a vehicle surrounded by the tow company storage just guarantees giant storage fees. When you cannot reach your adjustor, you should go off messages and if they are not returned in a timely craze then speak beside the supervisor. All of these contacts should be documented, i.e. maintain a inventory of the day and time of respectively call including proceedings on conversation, outcome and or if you left voice e-mail messages. You can also get the e-mail address of both the adjustor and supervisor and follow up adjectives phone calls beside e-mails. In terms of the policy that you mention that you own, i.e. that you have Liability insurance--if to be exact the case your policy would not repay for the damages to your vehicle in an any fluke whether you are at fault or not. The single way for you to collect for your vehicle damages underneath a liability policy would be under uninsured motorist property incapacitate coverage and then merely if you are struck by someone who is 100% at fault and is any uninsured (and this must be documented) or fled the scene without obtain any identifiable information (hit & run) documented with a police report. In expressions of your belief about the time it take to have an insurance company inspect a vehicle, adjectives companies try to do this as soon as possible (it is not in their best interests to pilfer a long time since their costs go up and it does not trade name for good public relations) but the timing depends on the number of claims that they are working next to at any given time. Travelers invented the first automobile insurance policy and in my professional feelings is among the best companies in the country. I am sorry if your experience did not come together your expectations. I hope that you heal from the turmoil cause by this accident.
Welcome to the world of insurance. Travelers does suck. I own to say alsothat the other sucky insurance companies are: Esurance, The General, and a few of those other one's that freshly pop up off and on...