#life and health insurance companies

[lucasjack11]

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[habeascorpseus]

im going to commit a felony

#habeas speaks #goodtimeswithscar #discourse #american healthcare #like im incensed right now because every time scar talks about his health on stream he always mentions shit like this #but this literally could Kill Him. #this is an insurance company realizing they apparently dont make a profit off of a person paying them to live anymore #and going 'okay time to go over to their house and kill them.' #like! #the profit motive for american healthcare is fucked up enough to hear about on the news #but this just puts into perspective #how a man can be happy and living his best life as his own insurance company decides his life is not worth not being paid #and are essentially going to murder him in a way thats legally sanctioned #like. someone needs to be fucking Hurt #because people need to start being scared of the desperate again

[orcelito]

Submitting myself to physical therapy for my cringefail shoulders bc I remembered it's a muscle problem, aka something that can possibly be fixed, SO

On the 16th, I am starting physical therapy again 💪

#speculation nation #same place i went to back in 2022. tho a different problem. #my insurance company's gotta be gettin sick of me scheduling so much shit 😂😂😂 #but it is the year of Unfuck My Life!!! even if my life continues to try to fuck itself for me!!!!! #so im in therapy again and im getting new glasses and i have a doctor's appointment end of june And new PT #AND i am also still keeping up with my dentist appointments!!! #look at Me the absolute picture of health #i really do hope they can help me with my shoulders bc this has been a problem for most of my adult life #and it kinda really does suck 😅 #PT sucks ass but it really did fix my lower back pain problems (Most of the time. sometimes it flares. but it's Mostly gone.) #ill take a Mostly better but sometimes flares with my shoulders. pretty fucking please. #scheduled it for later next week bc im busy this week. but then i will be doing biweekly appointments #i am the pina colada of fucking health. look at me go

[tj-crochets]

Inexplicably just got two letters from Aetna asking for additional information for prescription drug prior authorization in the state of Florida. Couple of things wrong with that: - the prior authorizations have already been approved - I don’t live in the state of Florida and never have - the information it asks for is information I cannot provide, only my doctor can, and she’s named on the paperwork so they definitely know how to send her the letters - I’m not in Florida???? Why Florida?????

#the person behind the yarn #medical mention #tj is in insurance hell #honestly this one's not that hellish it's just bemusing #absolutely miraculous that filling out surveys saying Aetna's practice of denying coverage of life-saving preventative care could kill peopl #and that I would be actively advocating against Aetna in every arena available to me #ended up with them suddenly changing their minds and covering my inhalers #miracle. Truly as all their employee emails to me say they 'have my best interest at heart' #the second page in the letters that was titled Notice of Nondiscrimination made me laugh out loud #like. Sure. Sure Aetna. #just in case: everything here is based on my personal experiences dealing with Aetna #and is not intended as a factual representation of the company. It's me venting about dealing with health insurance #I do not know what their literal company policies are #only what I have perceived of the company's actions and what policies could lead to those choices

[eileennatural]

its so unfortunate to get an injury that results in chronic pain but in an unbelievably lame way. What do you mean my quality of life has been drastically and permanently affected just bc i opened my mouth a little bit too wide after getting my wisdom teeth out

#at least my ankle pain (less frquent than jaw) can be explained by a lifetime of field hockey injuries and an unfortunate backpacking trip #also when i read that depression is frequently associated w tmj pain that really clicked like my mental health as been nearly at an all time #low since the injury + i really think its not just like. the exhaustion of being in paim all the time but also knowing this is your life. #forever. im jusr upset bc i think i have a slipped disk in my jaw and i have to hold it steady almost every time i open my mouth #also i think my insurance company is trying to do a medical malpractice thing to the guy who did my wisdom teeth #but i actually dislocated in like. 6 hours after i left the office so..

[marklikely]

sent in my two weeks notice time to esplode from anxiety

#aughhghghgh #i dont have a new job yet but i have one last interview tomorrow for one where i am the top candidate #and i guess like .worst case scenario i wont get it and ill just have to like #idk lower my standards and go for a remote phone queue job that ill hate but at least in a new way #or do like doordash or some other gig thing and try to figure out health insurance #avpost #im not doing the responsible thing because FUCK IT IM SO TIRED OF BEING RESPONSIBLE its gotten me nothing but depression. #fine im doing the irresponsible thing for once in my life . #at least i sent my notice in a nice way and wasn't bitchy like i wanted to be in my soul so like #maybe the worst worst case scenario is actually doing some nonsense for 6 months and then crawling back to this nightmare -_- #because this company is an absolute shitshow i just know they will be needing me back before the summer. #plus it would not be the first time someone in my department quit for a few months and then came back #it wouldnt even be the first time since i started working there 3.5 years ago

[mejomonster]

My adult advice is if you do pursue something you're passionate in for a career (or really if you go about getting any job) that being treated like shit is not fair to you. Working over 40 hours for your dream job a week, working 60 hour crunch hours for months for your dream job, working with no health insurance for years, your dream job paying you a wage too low to live where you need to in order to do the job so you're financially getting worse, your job not hiring enough people because you care about the work too much to let it fail so they just overwork you and have you do 2-3 peoples jobs, your dream job does not protect you from work hazards and you feel you'll lose your job if you bring it up? You don't deserve any of that shit. You deserve better. Whether your job is some boring thing you don't care about, or your absolute favorite thing in the world that you care about deeply and find to be the meaning of your life, you deserve to be treated fairly. You deserve to not be overworked to the point of suicidal or sick, you deserve to be able to go to the doctor and take your kids to the doctor and know if your kid gets a long term illness you can get long term treatment, you deserve to not have the entire success of a company fall on your shoulders to do multiple jobs if you weren't the supervisor who decided Not to adequately hire, you deserve to be able to go pee when you need to, you deserve to have adequate protection from dangers to your life. Period. No matter what job. If you're being treated like shit, you don't deserve it. It's not a price you should be expected to endure, not even for your dream job. It's a fucked up situation that real people caused by deciding to treat their employees badly.

#rant #feel free to ignore #but like. if you never had a job yet or havent had many jobs yet or ur in college #its some food for thought. #i just like. when i was a child i didnt understand some choices my dad made. #now that im an adult? i do have a job i like and find meaningful. #but also like... i did WANT to do character concept art for video games. but i see employees in those companies now #workjng 60 hour crunch hours. short term contract work so no health insurance. #and its like... well i needed 4 surgeries in the last 4 years. i needed the ER like 20 times. #i needed 2 of those surgeries as a direct result of when i worked 60 hour weeks for a year #and it made me both mentally suicidal despite Liking the work. and physically damaged my health for life #and now i need medicine montjly that costs 600 or more if i didnt have insurance. #so its like... well. if i had tried to do character concept art for X companies games i played? #well id be dead right now. dead before age 28. because 60 hour workweeks over a year probably wouldve killed me #my life wouldnt have been worth drawing if yhat job turned my passion into my own hell and my own killet #you get me? #like. even if you pursue a dream job (or a hated job even) #know your limits. your life is most important. if a job says 60 hours ans you got 2 kids and need to work #until you can get another job to hire you? then you take the risk probably yeah #or youre healthy and willing to suffer for 4 months before ysing the experience to apply for a job that is 40 hours a #week and pays more. but if a job is demanding inhumane bullshit it IS a horrible thing #and its something you deserve better than.

[insuranceko]

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[ghoul-haunted]

:)

#:)) #previously he was called bishop but i think im going to change his name to priest #like his. his nickname. ex hacker name and then he picks it up when he switches careers to organized crime #he's priest longer than he is darius ricarte #its like masquerading as someone and thinking you might like this forever then realizing that the government #won't let you have that life. anyway fuck the cops. #WAHOO the politics of the setting aside (its just direct commentary/allegory on Current Events) he lost his #arm in a car crash and his boss (or like. future boss) foot the bill for an extremely high end/luxury price tag cybernetic prosthetic #since state health insurance would only cover half of a basic version and darius hadn't been working there long enough for #company health insurance to kick in #it is. ough. darius and his boss have similar detail work except his boss designed the filigree pattern on darius' arm himself

[sidras-tak]

Accessibility takes too goddamn fucking long.

My brother was paralyzed in October 2023. We got him home from the hospital (in Texas, when we live in Iowa) in a clunky old hospital chair. He hated it. He was scared and angry and in pain and his life had just changed forever and he couldn’t do anything for himself in that wheelchair. His first goal (aside from learning how to transfer) was to get a wheelchair. My family was lucky enough to afford one so we thought it would be easy enough. Nope.

We couldn’t buy him a wheelchair. He needed a prescription. For a wheelchair. A doctor had to examine him and declare him in need of a wheelchair. It wasn’t good enough that he had scans and tests showing tumors cutting off his spinal cord. He needed his primary care doctor to examine him during a physical and write a prescription. He was making 2-4 transfers a day, tops. He had no energy to get to a doctor. Home health was in and out every day. He had no time to get to a doctor. He didn’t get a prescription for almost a month. Then it had to go through insurance.

We asked if we could skip insurance and just buy a wheelchair for him. Nope. They wouldn’t sell us one, not even at full sticker price. It needed to be approved by Medicare. We ordered a wheelchair, a nice one, a good shade of green, sporty, small. It would let him move around the house. He would be able to cook, to reach drawers and get stuff from the fridge and brush his teeth and put his contacts in at a sink. We were told it would take awhile, maybe two months. Silently we all hoped he would be around to see two more months.

He went on hospice care on a Saturday in March. On Monday, I was calling his friends to come see him before he died. I got a call on his phone. It was the wheelchair company. They were about to order his wheelchair, she said, but there was an issue with insurance— had he stopped being covered by Medicare? Well, yes. When he started hospice care, he got kicked off Medicare. The very nice woman I talked to told me to call her if he resumed Medicare coverage so she could order his wheelchair. He died less than 12 hours later.

We ordered that chair for him in early December. Medicare didn’t approve the order until March. He was dead before they got around to it. He wanted that fucking wheelchair so badly. The only reason he had any semblance of independence and any quality of life for the last five months of his life was because the wheelchair company lent him an old beater chair, a very used model of the chair he ordered. If I could go back and change one thing about his end-of-life, I would get him his dream wheelchair. He told me again and again he couldn’t wait to get it, so that he could feel like a person again. He made the best of what he had with that old beater chair, but it still makes me mad to this day. He was paralyzed. He needed a chair that afforded him dignity. We had the money for it. And yet, we were left waiting for five months, for a chair that wouldn’t even get ordered until the day he died.

#sparklepants #we would have done anything we could to get him that wheelchair #nudge #disability #accessibility #spoonie #ok to rb and honestly please do

[kcimoney]

How Do I Compare the Best Term Insurance Policies in Alwar?

If you're living in Alwar and thinking about securing your family's future, term insurance is a smart choice. It's straightforward, affordable, and provides a significant financial cushion in case something happens to you. But how do you compare the best term insurance policies in Alwar? Here’s a simple guide to help you find the right one.

Understand What Term Insurance Is

Term insurance is a type of life insurance that provides coverage for a specific period, or "term." If the policyholder dies during this term, the insurance company pays a death benefit to the beneficiaries. If the policyholder survives the term, the policy usually expires without any payout.

Identify Your Needs

Before diving into comparisons, think about why you need term insurance. Do you have young children? A mortgage? Other debts? Your reason for needing insurance will influence how much coverage you need and for how long.

Compare Coverage Amounts

The coverage amount, or sum assured, is the amount the insurance company will pay if the policyholder passes away during the term. To decide on the right amount, consider your family’s living expenses, outstanding loans, and future financial goals like your children’s education or marriage.

Check the Premium Costs

The premium is the amount you pay regularly (monthly, quarterly, or annually) to keep the insurance active. Compare premiums for different policies with the same coverage amount and term length. Sometimes, a slightly higher premium can provide significantly better benefits.

Look at the Claim Settlement Ratio

The claim settlement ratio is the percentage of claims an insurance company settles out of the total claims received. A high claim settlement ratio is a good indicator of the reliability of an insurance company. For example, if you’re looking for the best insurance company in Alwar, one with a high claim settlement ratio is preferable.

Consider the Term Length

Term insurance policies can vary in length from 5 to 40 years or more. Choose a term that aligns with your financial responsibilities. For instance, if you have a 20-year mortgage, you might want a policy that lasts at least 20 years.

Riders and Additional Benefits

Many insurance companies offer riders or add-ons that provide extra coverage for specific situations, such as critical illness, accidental death, or disability. Consider if these additional benefits are necessary for you and compare the costs and terms of these riders.

Review Exclusions and Conditions

Every insurance policy comes with exclusions and conditions. These are specific situations where the insurance company might not pay out the claim. Read these carefully to ensure there are no surprises in the future.

Get Quotes from Multiple Companies

It’s crucial to get quotes from multiple insurance providers. You can do this online, or you can visit the offices of insurance companies in Alwar. Comparing quotes side by side can help you see which policy offers the best value for your money.

Seek Professional Advice

If you find the process overwhelming, consider seeking advice from a financial advisor or an insurance agent. They can help you understand the fine print and make an informed decision.

Final Decision

After considering all these factors, you should have a clearer picture of which policy is best for you. Remember, the best term insurance policies are the ones that meet your needs at a price you can afford from a reliable insurance company.

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[platinummutual]

Maximizing Benefits with Group Health Plans in Toronto

Platinum Mutual Ltd offers comprehensive group health plans insurance in Toronto, tailored to meet the diverse needs of businesses and their employees. Our expert advisors work with you to design customized plans that provide robust coverage, including medical, dental, and vision benefits. We focus on delivering cost-effective solutions that promote employee well-being and satisfaction. Trust Platinum Mutual Ltd for reliable, flexible, and competitive group health insurance plans.

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[invrajatfinserve]

Where can I Get the Best Life Insurance Plans in Kolkata?

When it comes to securing your family's future, choosing the right life insurance plan is crucial. If you're in Kolkata and looking for the best life insurance options, you're in the right place. In this article, we'll guide you through the steps to find the best life insurance plans and highlight some of the top general insurance companies in Kolkata.

Why Life Insurance is Important

Life insurance provides financial security for your loved ones if something happens to you. It can cover expenses like outstanding debts, children's education, and daily living costs. Having a good life insurance policy ensures that your family won't face financial difficulties during an already challenging time.

Types of Life Insurance

Before diving into where to find the best life insurance plans in Kolkata, let's understand the basic types of life insurance:

Term Life Insurance: This is the most straightforward type. It provides coverage for a specific period, like 10, 20, or 30 years. If you pass away during this term, your beneficiaries receive the death benefit. It's usually more affordable than other types of life insurance.

Whole Life Insurance: This policy covers you for your entire life and includes an investment component known as the cash value. It’s more expensive but offers lifelong coverage and a savings element.

Endowment Plans: These plans combine insurance with savings. They provide a lump sum amount on maturity or death, whichever is earlier.

Unit Linked Insurance Plans (ULIPs): ULIPs offer both investment and insurance. A part of your premium goes into life cover, and the remaining is invested in funds of your choice.

Comparing Life Insurance Plans

When comparing different life insurance plans, consider the following factors:

Premium Costs: Make sure the premiums fit within your budget without compromising other financial goals.

Sum Assured: This is the amount your beneficiaries will receive. Ensure its sufficient to cover your family’s needs.

Policy Term: Choose a term that aligns with your long-term financial plans.

Additional Benefits: Look for riders or additional benefits like critical illness cover, accidental death benefit, and waiver of premium.

Conclusion

Choosing the best life insurance plan in Kolkata involves careful consideration of your needs, thorough research, and comparing different policies. By following the steps outlined above, you can find a plan that offers the right coverage and peace of mind for you and your family.

For personalized advice and a wide range of insurance options, visit our website. Our team of experts is here to help you secure the best life insurance plan tailored to your needs.

Remember, the right life insurance policy is an investment in your family's future. Make the choice today and ensure their financial security for tomorrow.

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[ambition-finserve]

Why Choose a Life Insurance Company in Beawar for Insurance Needs?

A life insurance company in Beawar, such as Ambition Finserve, offers a wide range of life insurance products and services designed to meet individuals' protection and investment requirements, with comprehensive coverage, competitive premiums, and innovative solutions for different life stages.For more information, visit https://www.ambitionfinserve.com/life-insurance-agency-in-beawar.php 

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[arubahappyinsurances]

Life insurance is the best approach to guarantee your family's future. This is crucial to financial planning. Life insurance is crucial to this effort. Without a professional life insurance agent, negotiating life insurance coverage may be frightening. Because complexity is more likely to be negotiated. 

#best life insurance companies #best health insurance

[ralfmaximus]

UnitedHealthcare, the largest health insurance company in the US, is allegedly using a deeply flawed AI algorithm to override doctors' judgments and wrongfully deny critical health coverage to elderly patients. This has resulted in patients being kicked out of rehabilitation programs and care facilities far too early, forcing them to drain their life savings to obtain needed care that should be covered under their government-funded Medicare Advantage Plan.

It's not just flawed, it's flawed in UnitedHealthcare's favor.

That's not a flaw... that's fraud.

#unitedhealthcare #ai