Asbestos in Your Digestive System

When most people picture diseases related to asbestos, they think of mesothelioma. It is true that mesothelioma is directly linked to exposure to asbestos, but this is not the only disorder that can arise as a result of contact with asbestos. Additionally, lungs are not the only areas of the body that can suffer from asbestos exposure. In fact, asbestos can also cause cancer in the digestive system.

Although asbestos is now mostly banned and otherwise strictly controlled, it was once a very popular material for many different industries, such as construction, automotive, and shipping. Asbestos is a silicate mineral that can insulate against heat, flame, chemicals, and electricity. Also, this material is strong and flexible, which makes it easy to be added to everything from ceiling tiles to brake pads to fire doors.

Normally, asbestos is not harmful when it is combined with another strong material. However, as an asbestos-containing item ages, it can degrade. This allows the asbestos to escape in microscopic particles. If you inhale these fibers, they can go into your lungs, or they can get trapped in your mouth.

From here, swallowing your saliva can then transfer the asbestos to your digestive system. Additionally, if airborne asbestos settles on your food, you can consume the particles that way. Lastly, some water mains were constructed with asbestos-laden cement, which can break down and release asbestos into the water supply. You can drink the water and ingest the fibers.

Our bodies do not have the ability to break down the asbestos fibers once they are lodged in our tissue. Thus, the trapped fibers can grow into tumors. There are several different types of cancer that have been linked to asbestos in the digestive system, including:

  • Gastrointestinal
  • Colorectal
  • Kidney
  • Throat
  • Esophageal

Even a single moment of asbestos exposure can lead to devastating consequences. If you believe that you have been exposed to asbestos, you may want more information to learn more about your risks. Please visit the Asbestos Help Center today for more information.

Source by James Witherspoon

Grow Revenues in Chiropractic Clinic With Point of Service Sales of Retail Products

In 2006, two out of three chiropractors increased billings (67%), while almost ninety percent (88.3%) of chiropractors sold retail products to patients. At an average $28.5 collections per patient visit (PVA), retail product sales to patients remains a major revenue source. But for junior practitioners with a humble patient growth record, point of service sales is the fastest way to increase practice revenue.

An added benefit of such sales is improved patient relationship. By offering your patients quality products that enrich their lives outside of your office, you demonstrate your care. Your patients are reminded of you – and of your care about them – every time they use the products you sell them. Better patient loyalty means lower attrition, frequent referrals and, eventually, improved profits.

Stick to familiar products. Offer products you use during your treatments. Offer items like topical analgesics, hot and cold packs, orthopedic pillows and supports, water-based pillows, herbal packs, massage tools, lotions, oils, butters, scrubs, aromatherapy, etc., which can be used in your office to benefit your patients daily.

Maintain exclusivity. Choose products not available in retail stores. Patients feel special if you offer products they can not find in mass retail markets.

Display. Set up retail displays in both waiting room area and the treatment room. Make sure the patients can feel, touch, sample, read about the benefits of the products, and ask you questions, giving you an opportunity to talk about their benefits.

Manage accounting. Best billing systems manage both healthcare claims and point of service sales records uniformly, without imposing extra complexities on practice management. The challenge is to process healthcare claims with insurance companies while leaving point of sales records aside and still produce correct sales and balance reports for each patient.

Source by Yuval Lirov

Fire Claims Process

The fire claims process is considered the time that the policy owner notifies their insurance company of the fire until the claim process is finished and ends in a settlement for the policy owner. To get to the end point there are several steps involved.

Review your policy

At all times you should know where to look for and find your insurance policy. It should be in a safe fireproof lock box or safety deposit box rented from the bank. When there is a fire you should get your insurance policy out and review it to determine what type of coverage you have and how much it is for, what is covered and what is excluded. This information will help you know how you should file your claim and if there are any deadlines to file your claim. Most of the information that you will need can generally be found on the declaration page. This is usually found at the beginning of your insurance policy. If, for some reason or other, you cannot find your insurance policy or do not understand what is covered and how to file a claim contact your insurance company.

Contacting your insurance company

As soon as you review your policy, or even before if you want, you should contact your insurance company to notify them of the fire and what type of loss you have suffered. Some insurance companies may require that you contact them as soon as the loss occurs while others may give you a couple of days. This information will also be in your insurance policy. With some insurance policies there are often provisions that will provide you with money for temporary housing if your home was destroyed by fire, which is another reason you should contact them as soon as possible. You may have to submit written notification instead of calling.

Information needed by insurance company

When you contact your insurance company they will tell you what you need to submit in order to start the fire claims process. This will generally consist of a statement from you telling what happened and what the damage is. If they need more information or documentation it is your responsibility to provide it as long as what they request is reasonable. Make sure that in all of your documentation that you are thorough because you will not be reimbursed for anything that is not documented.

Payment process

How you will be paid for your loss will depend on the type of fire claims you submitted and what the loss was. If it is a small loss the insurance company may just write a check but if it is to do repairs or rebuilding they may disburse the payments to the one doing the work.

Source by Lora Davis

Can Lung Cancer Be Prevented?

Lung cancer is the most fatal form of cancer in the US, and other developed countries, today. And the fact is, that most of the cancer treatments that work well on other forms of cancer often don’t work well on lung cancer. Add to that the fact that lung cancer is often not diagnosed until it is far advanced, and it’s easy to understand why this disease is so often fatal.

So, preventing lung cancer is even more important than preventing many other types of cancer simply because the prognosis is often so poor. And, for most victims of this disease, it is entirely preventable – simply by not smoking. Eight out of ten people diagnosed with lung cancer each year are smokers.

Six out of ten people who are diagnosed with lung cancer will die within one year. Between seven and eight will die within two years. Treatments are improving, and today there are some long term lung cancer survivors. But, as we focus on better treatments, we cannot lose focus on prevention.

Of course the simplest way to prevent lung cancer is not to smoke. But, there are some other things you can do to help reduce your risk of lung cancer, whether or not you smoke.

The first is to eat a healthy diet, rich in fruits and vegetables. Some studies have shown that people who eat a diet lacking in fruits and vegetables have a higher risk of lung cancer than those whose diet offers a wide variety of such foods.

In addition to not smoking, it’s important to stay away from others who smoke. Secondhand smoke is just as dangerous as smoking yourself. The American Cancer Society reports that non-smoking spouses of smokers are 30% more likely to get lung cancer than spouses of non-smokers. In addition, exposure to asbestos, arsenic and radon increase your risk of lung cancer.

Add Green Tea to Your Diet

Another little known trick for helping protect your body from many types of disease, including many forms of cancer, is drinking green tea. Green tea has been shown in many studies to be effective at protecting health and preventing disease. This is because green tea is filled with anti-oxidants – some of the most powerful available.

Anti-oxidants are very effective at combating free radicals that are created in our bodies as we process food. The free radicals produced by our bodies damage our cells and our DNA, and eventually lead to disease if we don’t combat them. Anti-oxidants, however, combat these free radicals before they can cause damage. If we’re getting our fair share of anti-oxidants each day, we’re keeping these free radicals under control.

Above I mentioned that scientists believe that a diet rich in fruits and vegetables helps prevent lung cancer. This is also likely due to the fact that fresh fruits and vegetables are good anti-oxidant sources. Some vegetables and fruits are better than others, so for optimum benefit, be sure to include some of the most powerful in your diet on a regular basis.

The best food sources of anti-oxidants include:

o Artichokes

o Asparagus

o Red Beans

o Blueberries

o Pomegranates

o Dark Chocolate

o Tomatoes

And, green tea. One of the most important anti-oxidants is EGCG, which is found in abundance in the Camilla sinensis (tea tree) plant. Green tea is the best form of this anti-oxidant because it’s not fermented during processing. Black tea is fermented, which changes some of its anti-oxidant compounds. Black tea is still healthy, but your best anti-oxidant source is green tea.

One study recently reported by the UK Tea Council shines light on green tea’s ability to prevent lung cancer. In particular, this study showed that green tea appears to have two major functions that prevent cancer.

Green tea appears to cause apoptosis of abnormal cells. Apoptosis is the orderly process of cell death. Cell death due to apoptosis is good, because it is a process of killing off damaged or unneeded cells. Green tea seems to help the body rid itself of potentially harmful cells by inducing the process of apoptosis.

Green tea also seems to help prevent lung cancer by inhibiting the growth of the abnormal lung cells. So, green tea keeps the cells from growing and spreading until the apoptosis can kills the cells off. These two powers help to rid the body of abnormal cells before they can replicate and cause a problem.

Of course, more research is needed to pinpoint exactly how green tea works, and how we can use it best to prevent lung cancer and many other diseases. However, in the mean time, there’s no reason not to make green tea part of your daily life.

Green tea is an absolutely safe beverage to consume. It has no side effects, and even those who are caffeine sensitive can usually tolerate green tea quite well, because its caffeine content is very low compared to coffee and sodas. So, do something good for yourself – drink some green tea!

Source by Jon Stout

Health Care Fraud – The Perfect Storm

Today, health care fraud is all over the news. There undoubtedly is fraud in health care. The same is true for every business or endeavor touched by human hands, e.g. banking, credit, insurance, politics, etc. There is no question that health care providers who abuse their position and our trust to steal are a problem. So are those from other professions who do the same.

Why does health care fraud appear to get the ‘lions-share’ of attention? Could it be that it is the perfect vehicle to drive agendas for divergent groups where taxpayers, health care consumers and health care providers are dupes in a health care fraud shell-game operated with ‘sleight-of-hand’ precision?

Take a closer look and one finds this is no game-of-chance. Taxpayers, consumers and providers always lose because the problem with health care fraud is not just the fraud, but it is that our government and insurers use the fraud problem to further agendas while at the same time fail to be accountable and take responsibility for a fraud problem they facilitate and allow to flourish.

1. Astronomical Cost Estimates

What better way to report on fraud then to tout fraud cost estimates, e.g.

– “Fraud perpetrated against both public and private health plans costs between $72 and $220 billion annually, increasing the cost of medical care and health insurance and undermining public trust in our health care system… It is no longer a secret that fraud represents one of the fastest growing and most costly forms of crime in America today… We pay these costs as taxpayers and through higher health insurance premiums… We must be proactive in combating health care fraud and abuse… We must also ensure that law enforcement has the tools that it needs to deter, detect, and punish health care fraud.” [Senator Ted Kaufman (D-DE), 10/28/09 press release]

– The General Accounting Office (GAO) estimates that fraud in healthcare ranges from $60 billion to $600 billion per year – or anywhere between 3% and 10% of the $2 trillion health care budget. [Health Care Finance News reports, 10/2/09] The GAO is the investigative arm of Congress.

– The National Health Care Anti-Fraud Association (NHCAA) reports over $54 billion is stolen every year in scams designed to stick us and our insurance companies with fraudulent and illegal medical charges. [NHCAA, web-site] NHCAA was created and is funded by health insurance companies.

Unfortunately, the reliability of the purported estimates is dubious at best. Insurers, state and federal agencies, and others may gather fraud data related to their own missions, where the kind, quality and volume of data compiled varies widely. David Hyman, professor of Law, University of Maryland, tells us that the widely-disseminated estimates of the incidence of health care fraud and abuse (assumed to be 10% of total spending) lacks any empirical foundation at all, the little we do know about health care fraud and abuse is dwarfed by what we don’t know and what we know that is not so. [The Cato Journal, 3/22/02]

2. Health Care Standards

The laws & rules governing health care – vary from state to state and from payor to payor – are extensive and very confusing for providers and others to understand as they are written in legalese and not plain speak.

Providers use specific codes to report conditions treated (ICD-9) and services rendered (CPT-4 and HCPCS). These codes are used when seeking compensation from payors for services rendered to patients. Although created to universally apply to facilitate accurate reporting to reflect providers’ services, many insurers instruct providers to report codes based on what the insurer’s computer editing programs recognize – not on what the provider rendered. Further, practice building consultants instruct providers on what codes to report to get paid – in some cases codes that do not accurately reflect the provider’s service.

Consumers know what services they receive from their doctor or other provider but may not have a clue as to what those billing codes or service descriptors mean on explanation of benefits received from insurers. This lack of understanding may result in consumers moving on without gaining clarification of what the codes mean, or may result in some believing they were improperly billed. The multitude of insurance plans available today, with varying levels of coverage, ad a wild card to the equation when services are denied for non-coverage – especially if it is Medicare that denotes non-covered services as not medically necessary.

3. Proactively addressing the health care fraud problem

The government and insurers do very little to proactively address the problem with tangible activities that will result in detecting inappropriate claims before they are paid. Indeed, payors of health care claims proclaim to operate a payment system based on trust that providers bill accurately for services rendered, as they can not review every claim before payment is made because the reimbursement system would shut down.

They claim to use sophisticated computer programs to look for errors and patterns in claims, have increased pre- and post-payment audits of selected providers to detect fraud, and have created consortiums and task forces consisting of law enforcers and insurance investigators to study the problem and share fraud information. However, this activity, for the most part, is dealing with activity after the claim is paid and has little bearing on the proactive detection of fraud.

4. Exorcise health care fraud with the creation of new laws

The government’s reports on the fraud problem are published in earnest in conjunction with efforts to reform our health care system, and our experience shows us that it ultimately results in the government introducing and enacting new laws – presuming new laws will result in more fraud detected, investigated and prosecuted – without establishing how new laws will accomplish this more effectively than existing laws that were not used to their full potential.

With such efforts in 1996, we got the Health Insurance Portability and Accountability Act (HIPAA). It was enacted by Congress to address insurance portability and accountability for patient privacy and health care fraud and abuse. HIPAA purportedly was to equip federal law enforcers and prosecutors with the tools to attack fraud, and resulted in the creation of a number of new health care fraud statutes, including: Health Care Fraud, Theft or Embezzlement in Health Care, Obstructing Criminal Investigation of Health Care, and False Statements Relating to Health Care Fraud Matters.

In 2009, the Health Care Fraud Enforcement Act appeared on the scene. This act has recently been introduced by Congress with promises that it will build on fraud prevention efforts and strengthen the governments’ capacity to investigate and prosecute waste, fraud and abuse in both government and private health insurance by sentencing increases; redefining health care fraud offense; improving whistleblower claims; creating common-sense mental state requirement for health care fraud offenses; and increasing funding in federal antifraud spending.

Undoubtedly, law enforcers and prosecutors MUST have the tools to effectively do their jobs. However, these actions alone, without inclusion of some tangible and significant before-the-claim-is-paid actions, will have little impact on reducing the occurrence of the problem.

What’s one person’s fraud (insurer alleging medically unnecessary services) is another person’s savior (provider administering tests to defend against potential lawsuits from legal sharks). Is tort reform a possibility from those pushing for health care reform? Unfortunately, it is not! Support for legislation placing new and onerous requirements on providers in the name of fighting fraud, however, does not appear to be a problem.

If Congress really wants to use its legislative powers to make a difference on the fraud problem they must think outside-the-box of what has already been done in some form or fashion. Focus on some front-end activity that deals with addressing the fraud before it happens. The following are illustrative of steps that could be taken in an effort to stem-the-tide on fraud and abuse:

– DEMAND all payors and providers, suppliers and others only use approved coding systems, where the codes are clearly defined for ALL to know and understand what the specific code means. Prohibit anyone from deviating from the defined meaning when reporting services rendered (providers, suppliers) and adjudicating claims for payment (payors and others). Make violations a strict liability issue.

– REQUIRE that all submitted claims to public and private insurers be signed or annotated in some fashion by the patient (or appropriate representative) affirming they received the reported and billed services. If such affirmation is not present claim isn’t paid. If the claim is later determined to be problematic investigators have the ability to talk with both the provider and the patient…

– REQUIRE that all claims-handlers (especially if they have authority to pay claims), consultants retained by insurers to assist on adjudicating claims, and fraud investigators be certified by a national accrediting company under the purview of the government to exhibit that they have the requisite understanding for recognizing health care fraud, and the knowledge to detect and investigate the fraud in health care claims. If such accreditation is not obtained, then neither the employee nor the consultant would be permitted to touch a health care claim or investigate suspected health care fraud.

– PROHIBIT public and private payors from asserting fraud on claims previously paid where it is established that the payor knew or should have known the claim was improper and should not have been paid. And, in those cases where fraud is established in paid claims any monies collected from providers and suppliers for overpayments be deposited into a national account to fund various fraud and abuse education programs for consumers, insurers, law enforcers, prosecutors, legislators and others; fund front-line investigators for state health care regulatory boards to investigate fraud in their respective jurisdictions; as well as funding other health care related activity.

– PROHIBIT insurers from raising premiums of policyholders based on estimates of the occurrence of fraud. Require insurers to establish a factual basis for purported losses attributed to fraud coupled with showing tangible proof of their efforts to detect and investigate fraud, as well as not paying fraudulent claims.

5. Insurers are victims of health care fraud

Insurers, as a regular course of business, offer reports on fraud to present themselves as victims of fraud by deviant providers and suppliers.

It is disingenuous for insurers to proclaim victim-status when they have the ability to review claims before they are paid, but choose not to because it would impact the flow of the reimbursement system that is under-staffed. Further, for years, insurers have operated within a culture where fraudulent claims were just a part of the cost of doing business. Then, because they were victims of the putative fraud, they pass these losses on to policyholders in the form of higher premiums (despite the duty and ability to review claims before they are paid). Do your premiums continue to rise?

Insurers make a ton of money, and under the cloak of fraud-fighting, are now keeping more of it by alleging fraud in claims to avoid paying legitimate claims, as well as going after monies paid on claims for services performed many years prior from providers too petrified to fight-back. Additionally, many insurers, believing a lack of responsiveness by law enforcers, file civil suits against providers and entities alleging fraud.

6. Increased investigations and prosecutions of health care fraud

Purportedly, the government (and insurers) have assigned more people to investigate fraud, are conducting more investigations, and are prosecuting more fraud offenders.

With the increase in the numbers of investigators, it is not uncommon for law enforcers assigned to work fraud cases to lack the knowledge and understanding for working these types of cases. It is also not uncommon that law enforcers from multiple agencies expend their investigative efforts and numerous man-hours by working on the same fraud case.

Law enforcers, especially at the federal level, may not actively investigate fraud cases unless they have the tacit approval of a prosecutor. Some law enforcers who do not want to work a case, no matter how good it may be, seek out a prosecutor for a declination on cases presented in the most negative light.

Health Care Regulatory Boards are often not seen as a viable member of the investigative team. Boards regularly investigate complaints of inappropriate conduct by licensees under their purview. The major consistency of these boards are licensed providers, typically in active practice, that have the pulse of what is going on in their state.

Insurers, at the insistence of state insurance regulators, created special investigative units to address suspicious claims to facilitate the payment of legitimate claims. Many insurers have recruited ex-law enforcers who have little or no experience on health care matters and/or nurses with no investigative experience to comprise these units.

Reliance is critical for establishing fraud, and often a major hindrance for law enforcers and prosecutors on moving fraud cases forward. Reliance refers to payors relying on information received from providers to be an accurate representation of what was provided in their determination to pay claims. Fraud issues arise when providers misrepresent material facts in submitted claims, e.g. services not rendered, misrepresenting the service provider, etc.

Increased fraud prosecutions and financial recoveries? In the various (federal) prosecutorial jurisdictions in the United States, there are differing loss- thresholds that must be exceeded before the (illegal) activity will be considered for prosecution, e.g. $200,000.00, $1 million. What does this tell fraudsters – steal up to a certain amount, stop and change jurisdictions?

In the end, the health care fraud shell-game is perfect for fringe care-givers and deviant providers and suppliers who jockey for unfettered-access to health care dollars from a payment system incapable or unwilling to employ necessary mechanisms to appropriately address fraud – on the front-end before the claims are paid! These deviant providers and suppliers know that every claim is not looked at before it is paid, and operate knowing that it is then impossible to detect, investigate and prosecute everyone who is committing fraud!

Lucky for us, there are countless experienced and dedicated professionals working in the trenches to combat fraud that persevere in the face of adversity, making a difference one claim/case at a time! These professionals include, but are not limited to: Providers of all disciplines; Regulatory Boards (Insurance and Health Care); Insurance Company Claims Handlers and Special Investigators; Local, State and Federal Law Enforcers; State and Federal Prosecutors; and others.

Source by Daniel J Osborne

Insurance Claims – Get an Advance Payment!

Insurance claim advance payments are not widely known by people who file claims. Often, when an insured has a loss of significant size, such as a flood, tornado, wildfire, hurricane loss or a big water damage loss, an advance payment of a portion of the anticipated settlement is issued by the insurance company. This situation also happens regularly when a business has a loss and needs money up front.

It is a customary and widely accepted practice for the insurance company to issue an advance payment in this type of instance. Be aware that there’s nothing in the standard property insurance policy that deals with advances. It is usually just a courtesy that the insurance company extends to their policyholder.

However, they don’t usually offer to do it. You have to request the advance.

Here’s an example. Joe Smith’s house is hit by lightning, and a fire damages most of the house. Joe’s policy has Building limits of $100,000, Contents limits of $50,000, ALE limits of $20,000. The house can be repaired for $70,000, which is less than the policy limits. However, the adjuster expects that the Contents loss will exceed the policy limits of $50,000, and the ALE loss will be $15,000. The adjuster sends in his first report to the insurance company, and tells them to expect the loss to be approximately $135,000 on these three parts of coverage.

The insurance company could easily issue an initial advance payment of $25,000 to $35,000 for Contents and ALE, and $40,000 to $50,000 for the Dwelling loss.

So, what do you do if your Contents are damaged and you need the most basic things, like a change of clothes and shoes? What if you need to have a contractor secure the building and put tarps on the roof to keep further rain out of the building? Most people do not have tens of thousands of dollars just lying in their bank accounts that could be used to begin repairs, or begin replacing personal property. That’s when the insurance company issues an advance.

It’s best to make your request in writing. Even if it’s just a hand-written letter, it’s best if it’s in writing. Write or type your request, keep a copy for your records, and give the copy to your adjuster. It’s also a good idea to send a duplicate copy to the claims department of your insurance company. Send it by overnight courier or certified mail. NEVER rely on the adjuster to ask for an advance on your behalf. He might get delayed with other work and it could be days before he asks. DO IT YOURSELF.

Take control of your claim, my friend! Make an EARLY request in the claims process for your advance payment!

Source by Russell Longcore

Cancer and Cancer Cells That Come Alive After Grief or Stress

I often think of the wife of Dana Reeve the wife of Christopher Reeve, who in May 1995 had a horrible accident while riding a horse, followed by 10 years of misery totally unable to move. He was an inspiration to everyone but what he went through was far beyond we have ever seen any major celebrity have to endure for so long a period of time. Soon after his death, Christopher Reeve’s wife Dana contracted lung cancer in her mid-40’s and died a short time after. Most amazing is Dana never smoked. I consider this story, along with the JFK Jr. Tragedy in 1999, by far the 2 worst celebrity tragedies of all time. A distant third would be Princess Diana’s death in France in 1997.

So how did Dana Reeve die in her mid-40’s of horrible lung cancer, when she didn’t even smoke? The theory is that Dana was a very good lounge singer and because of all the second hand smoke, she had cancer cells in her body for a long period of time. The following theory is that the cancer cells like this come alive when the body is greatly weakened by a long period of grief over a horrible tragedy and great stress which would happen after Christopher Reeve finally died after 10 long years. I am not a doctor, but this has always been my theory about smoking, or second hand smoke and cancer, which is the scourge of humanity and has been for hundreds of years. When the body is greatly weakened by stress, grief and great periods of depression for a long period of time the cancer cells become alive again and the spouse, or the person under stress and grief dies. The Christopher Reeve and Dana Reeve story is a story worthy of a great movie, which I would love to be able to write one day. What Dana Reeve had to witness and survive, seeing her husband in that condition for so long is an amazing tribute to her strength as a person.

My mother smoked for many years, but she gave it up 20 years ago. A little less than 3 years ago, my father died of Cancer at age 84, and even though he was far from a good person or husband, my mother was married to him for over 50 years. Three months ago, my mother was diagnosed with Cancer, and a few weeks later she is in a Hospice at age 79. The horror is that it seems that Cancer cells are always in your body, if your smoke, if you’re exposed to second hand smoke, or for other reasons. I have seen people go through great stressful events and die soon after from Cancer many times over the years. The pattern seems to be very strong and repeats many times over.

Will we ever see a cure for cancer in our lifetime? Does this world wide scourge of humanity make far too much money to ever want a cure? I don’t have an answer to this question, but if human life on this planet is mostly just all about money and because of this money, nobody cares about horrible human suffering because of a cancer, then there is something very wrong with this earth we all call home.

Source by Joseph J. Caruso

Job Career Planning – What Interests You?

One important step or factor in defining your ideal career is identifying your interests. Research has found that:

Your interests are an important source of information to use in exploring career options.

You are more likely to be interested in things you are good at, you enjoy doing, or that are important to you.

Your interests can accurately guide you to explore careers that are most likely to meet your needs.

Career interest list:

Agriculture and Natural Resources:

An interest in working with plants, animals, forests, or mineral resources for agriculture, horticulture, conservation, extraction, and other purposes. You can fulfill this interest by working in farming, landscaping, forestry, fishing, mining, and related fields. You may like doing physical work outdoors, such as on a farm or ranch, in a forest, or on a drilling rig. If you have scientific curiosity, you could study plants and animals or analyze biological or rock samples in a lab. If you have management ability, you could own, operate, or manage a fish hatchery, a landscaping business, or a greenhouse.

Architecture and Construction:

An interest in designing, assembling, and maintaining components of buildings and other structures. You may want to be part of the team of architects, drafters, and others who design buildings and render the plans. If construction interests you, you can find fulfillment in the many building projects that are being undertaken at all times. If you like to organize and plan, you can find careers in managing these projects. Or you can play a more direct role in putting up and finishing buildings by doing jobs such as plumbing, carpentry, masonry, painting, or roofing, either as a skilled craftsworker or as a helper. You can prepare the building site by operating heavy equipment or install, maintain, and repair vital building equipment and systems such as electricity and heating.

Arts and Communication:

An interest in creatively expressing feelings or ideas, in communicating news or information, or in performing. You can fulfill this interest in creative, verbal, or performing activities. For example, if you enjoy literature, perhaps writing or editing would appeal to you. Journalism and public relations are other fields for people who like to use their writing or speaking skills. Do you prefer to work in the performing arts? If so, you could direct or perform in drama, music, or dance. If you especially enjoy the visual arts, you could create paintings, sculpture, or ceramics or design products or visual displays. A flair for technology might lead you to specialize in photography, broadcast production, or dispatching.

Business and Administration Organizer:

This would be an opportunity to create a business enterprise or operate a business organization and construct it to run smoothly. You can fulfill this interest by doing work in a role of leadership or by specializing in a procedure that adds to the total effort in a company, nonprofit organization, or government bureau. If you especially like working with individuals, you might obtain fulfillment from working in human resources. If your interest is in numbers this could direct you to look at accounting, finance, budgeting, billing, or financial record-keeping. Occupation as an administrative assistant might interest you if you enjoy a diverseness of employment in busy

surroundings. If you’re skillful with particulars and word processing, you may prefer a line of work as a secretary or data entry keyer. Or maybe you would perform well as the manager of a business organization.

Education and Teaching Individuals:

This would be an opportunity in helping individuals learn. You can fulfill this interest by instructing students and adults, who could be comprised of preschoolers, retired people, or any age in between. You could specialize in a specific academic area or work with people of a particular age, with a specific concern, or individuals with a particular learning problem. Working in a library or museum could open up an opportunity for you to expand folks’ understanding of the universe.

Finance and Insurance:

This would be an opportunity in helping companies and individuals be guaranteed of a financially secure future. You could fulfill this interest by working in a financial or insurance company in a leadership or financial support position. If you enjoy collecting and analyzing data, you might find fulfillment as an insurance claims adjuster or securities analyst. Or you could deal with information at the clerical level as a banking or insurance clerk or in one-on-one situations offering customer service. Some other methods to interact with people is to sell financial or insurance services that will fulfill their needs.

Government and Public Administration:

This would be an opportunity in helping government agencies serve the needs of the public. You could fulfill this interest by working in a role of leadership or by specializing in a function that contributes to the service of the government. You can help protect the public by working as an inspector or examiner to enforce standards. If you enjoy using clerical skills, you might work as a clerk in a court of law or government agency. Or maybe you favor the top-down position of a government administrator or urban planner.

Source by Lamar Dean

How a Denied Disability Lawyer Can Assist You

One of the most frustrating situations for a client with disability insurance occurs when you have to access the insurance you have paid into, often for years, and you are denied the support you are owed, the support you anticipated having available should the worst happen. There are so many loops to jump through to successfully claim disability insurance with most insurance companies – and for many people, the process is so difficult, time consuming, and overwhelming that, at the end of the day, when they are denied disability coverage, they think that is the end and have no recourse. This, however, is not necessarily the case. While there may have been a time when a person who was denied his or her disability insurance claim had little or no further options, this is not always the case today. In fact, with proper legal representation from an experienced disability insurance lawyer, the denied disability claims lawsuit can be fought and even won.

What is Disability Insurance?

Denied disability lawyers come into play for those who have been denied a disability insurance claim, but first one needs to understand the importance of disability insurance. Most of us understand the importance of life insurance, but the reality is that accidents or sicknesses can prevent an individual from being able to work to sustain his or her living. For this reason, disability insurance is just important as life insurance. In fact, a typical 30 year old has 4 times the chance of becoming disabled than of dying before the age of 65.

There are two main types of disability insurance – long term disability and critical illness. Disability insurance will provide a monthly income if an individual is unable to work due to serious injury or illness; critical illness insurance pays out a tax-free lump sum following the diagnosis of an illness noted within the policy. When it comes to filing a claim, the onus is on the claimant to establish that they are disabled within the boundaries of the policy. Proof must be provided by the claimant in order to qualify for the disability benefits, and this proof must hold up to scrutiny. As the reporting on the claim and the interpretation of the said claim is subjective, the potential for denial of said claim can be high in many situations. Once a claim is denied, the recourse is limited to court – denied disability lawyers can help streamline the claimant’s reporting, making it far more likely to be approved and win the settlement.

How to choose a lawyer or law firm

Denied disability lawyers may be found throughout the legal industry, but you want to make sure you choose a lawyer and or a law firm with the best chance of getting results for you with the least amount of initial risk. The reality is that while you are vulnerable and could be easily taken advantage of, your resources will be limited, and this must be part of your consideration. You will find that most law firms or lawyers will ask for payment up front, regardless of the outcome of the case or how much it will cost, win or lose – payment that you probably don’t have considering you are fighting a denied disability claim as it is. But, there are some law firms that will not require payment up front. Some denied disability lawyers will work on a percentage fee basis, and there will be no fees until the claim is settled. Do your research well before hiring a denied disability lawyer to fight your case.

Source by Argy David

Wrongful Death Lawyers

Wrongful death refers to a lawsuit which alleges that the victim was killed as a consequence of negligence or misdeed of another. Usually, wrongful death occurs as a result of personal injury accidents, medical malpractice, auto accidents, workplace accidents, dangerous or defective products, mesothelioma and other accidents. When the proximate cause of the wrongful death of the decedent roots from reckless, careless or negligent acts of another, his actions are often subject to personal injury and/or wrongful death suits.

The loss of a family member causes great pain, turmoil, as well as inconceivable loss of the family. In the stage of grieving, it is hard or impossible to function in everyday life and carry on, let alone think about making a wrongful death claim. This stage leaves the decedent’s family feeling powerless with so many questions unanswered. When you are ready to receive settlement or filing a wrongful death suit, an experienced wrongful death lawyer can be of great help. Though a wrongful death claim cannot replace your loss but it is as close to justice.

If you have lost a loved one due to the negligence of a person or a company, you may have the right to receive compensation from an insurance company or from the person or company responsible for said death. Surviving family members are strongly encouraged to immediately consult with a wrongful death lawyer to safeguard the critical evidence of the fatal accident and to avoid being estopped to institute a claim.

The immediate aftermath of a wrongful death is to hire the services of the right lawyer. Hiring an experienced wrongful death lawyer is a critical decision that may significantly affect the lives of the decedent’s family. Wrongful death lawyers appreciate the complexity in legal issues as well as the powerful emotional trauma absorbed in a wrongful death claim. Experienced wrongful death lawyers will vigilantly represent the rights of the victim while assisting the family members in a dependable and considerate manner by providing information regarding the practical and legal aspects of personal injury law and wrongful death claims including survivor actions, Social Security Disability and Windows Benefits.

To be able to show evidences that a wrongful death happened, an investigation in connection with the death shall be conducted. It is necessary that the wrongful death lawyer have the necessary resources to acquire records and reports as well as thorough information for successful case results. Clients should feel confident about their legal action. With the help of a diligent wrongful death lawyer, the process in recovering the reasonable compensation will be smoother.

Source by M. Williams