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

Buy a Surety Bond

Types of Surety bonds

  • Title Bonds
  • Sales Tax
  • DMEPOS (medicare)
  • License & Permit
  • Public Official
  • Probate and Other Court Bonds
  • Miscellaneous Surety Bonds
  • Contract Performance Bonds
  • Dealer Bonds

License & Permit

License bonds guarantee the Principal will comply with applicable codes and regulations established by the Obligee. (The Obligee is usually a government entity such as a City, Town, or State.)

Permit bonds grant a Privilege.

Types include:

  • Electrician’s license
  • Plumber’s license
  • General Contractor’s license
  • Driveway permit
  • Sign permit
  • Sales tax

Example: Electrical contractors may be required to post a surety as part of their licensing requirements. The obligation of it may specify that the contractor will follow the electrical codes established in that city, town, or municipality.

The requirements and ordinance must be understood before is written. The agent may ask you to obtain a copy of the ordinance or law that specifies the requirements and a copy of the bond, if the Obligee has its own.

Depending upon the type of obligation, supporting documentation such as signatures, financial statements, and other supplemental information may be required.

Public Official

A Public Official guarantees that elected or appointed officials will faithfully perform their duties. The amount as well as duties are usually specified by statute or ordinance.

Types include:

  • Treasurers
  • Tax Collectors
  • Peace Officers
  • Judges
  • Hunting & Fishing license agents
  • Notaries.

It should be noted that not all public entities require Public Officials to be bonded.

Underwriting aspects of Public official bonds include understanding the duties required of the Official, the reputation (character) of the official, and experience of the official.

Probate & Other Court

A Probate guarantees an honest accounting and faithful performance of duties by fiduciaries/trustees. These bonds are required by courts or statutes as estates of deceased persons, incompetent persons, and minors are set up and administered. (For the estates)

Types include:

  • Administrator
  • Executor
  • Guardian
  • Conservator
  • Trustee.

A Bankruptcy or Equity bond might be required of an appointed fiduciary for the sale of real estate or for property in foreclosure, reorganization or other litigation. This bond guarantees an honest accounting and performance of duties while managing and distributing the assets as directed by the court.

Common types include Receivers and Trustees.

Other Judicial bonds may be required by a court in cases where someone is seeking legal benefit or relief. These court bonds can be extremely hazardous. Specific supplemental information may be required.

Types include:

  • Appeal
  • Injunction
  • Attachment bonds
  • Release of lien.

Miscellaneous Bonds

Miscellaneous surety bonds include those that do not fit into any of the other surety categories. These are usually more hazardous obligations.

Types include:

  • Utility payment guarantees
  • Lost Security/Lost Instruments (cashier’s check, stock certificates, and municipal bonds)
  • Union Wage & Welfare.

Miscellaneous surety bonds require more extensive underwriting because the guarantee to the obligee is monetary. In addition to the application, supporting information such as signatures, financial statements, and other supplemental forms are usually required.

Contract Performance Bond

Simply stated, contract bonds guarantee the performance of a written contract according to its terms and conditions.

Types of Contract Bonds:

  • Bid bond
  • Performance bond
  • Payment bond

A Bid bond guarantees that if a contractor is the low bidder on a project, he/she will enter into a contract and provide a Performance bond.

A Performance bond guarantees the contract will be completed according to its terms and conditions.

A Payment bond guarantees payment of laborers, subcontractors, and material suppliers.

Example: An electrical contractor may need contract bonds to guarantee the performance of construction contract or to guarantee the supply of goods and materials. Most public works projects required Bid, Performance, and Payment bonds from the contractor. These bonds will guarantee the contractor’s performance according to the terms of the contract with the project owner.

FAQS

What is a surety bond?

Definition: In the simplest terms, a surety bond is a guarantee. What the bond guarantees varies depending on the language of the bond. It is a form of credit, not insurance.

What is the process to obtain a bond?

To start the process you need to apply. Your agent will usually have an approval for you anywhere from that same day to 4 business days. You will then be given your premium cost and an agreement between you and the bonding company. The bond is then issued 1-2 business days from receipt of payment and the agreement (original agreement is often required).

How do surety bonds work?

The principal (you) pays a percentage of the bond amount called a bond premium. In return, the surety extends “surety credit” to make the required guarantee (the bond). A claim can arise when the principal does not abide by the terms of the bond. In the event of a claim, the surety will investigate to ensure it is valid. If the claim is valid, the surety will look to the principal for payment

of the claim and any associated legal fees.

What good is a bond if I have to pay for claims?

A bond is not insurance, it is a form of credit where the principal (you) are responsible to pay any claims. The alternative to a bond is to post cash or a letter of credit. Surety bonds are advantageous, as they typically require no collateral, which frees up capital. Bond premiums are also similar to fees for letters of credit and are typically less than one would earn making conservative investments with the available capital.

How much do surety bonds cost?

Bond premiums vary greatly depending on the applicant, the bond type, surety, and the obligee. Just like other forms of credit, everyone does not receive the same rate. Standard market rates are typically anywhere from 1-3%, while higher risk markets can range anywhere from 5-20% of the bond amount.

Why do I need a surety bond?

Simply because a government authority or private entity is requiring the bond in order for you to operate. The bond ensures you will follow their guidelines.

Who is the obligee?

The obligee is whoever is requiring the bond of you. You are not the obligee. For example, the obligee for a contractor would be whoever they are doing the work for. The obligee for a license bond (e.g. auto dealer or mortgage broker) would be whoever they are filing their license with.

What is a blank bond form and where do I get one?

It is a blank copy of the bond that you are required to post. It states exactly what the bond is guaranteeing. Your bond agency will use it to create the original bond by completing the blanks on the form, signing on behalf of the surety, and attaching a power of attorney. You need to obtain a blank copy of the bond form from the obligee.

What is the turnaround time?

Approval time varies depending on the type of bond and the program the applicant falls under. Some are approved immediately, others can take up to 1-4 business days. Bond issuance is typically 1-2 business days from receipt of payment and anything else required by surety for issuance of the bond.

Why does my spouse have to sign the indemnity agreement?

Bonding companies have several reasons why they would like your spouse to personally guarantee the bond. Keep in mind, a bond is a guarantee of something. The bonding company does the best they can to underwrite your policy, but have no way to gauge your character. A good way to do this is to have your spouse personally guarantee it, as they know you best. Spouses are also required to sign, as a married couples have joint assets, which may have to be sought after in the event of a claim.

Source by Gilbert Trujillo

The Insurance Science of Disability

If you are young and healthy, you probably have given little thought to the notion of disability insurance. Most employees in this age-range may even scoff it off as negligible in view of their youth.

“Disability insurance? “Compensation if I become unable to work?” they may exclaim. “Why, this is coverage that I do not really need.”

If you would speak to the professionals – those in the trenches when it comes to related liability and insurance claims, you would hear a very different story. In fact, the discussion would lead you to be ever so grateful that you are covered!

Deep down, every person understands that any blessing we have in life should never be taken for granted. Car accidents, business mishaps, home devastation – all these things happen. Likewise no one can guarantee that sickness or illness will not disrupt a life once devoid of it – regardless of the current station one finds oneself in.

Need more on the matter? Here are the sobering facts:

• 1 in 4 young people in the age bracket of twenty years suffer from a long-term illness or injury.

• Each year, there are over 700,000 paid workers and employees that are awarded social security disability insurance benefits.

• In general, 1 in every 15 employees files a short-term disability claim per year.

• Almost fifty percent of all Americans do not have the money to fund a four hundred dollar medical emergency.

• Breaking or fracturing a leg may cause a three month or longer employment disruption.

• On the average, a long term disability insurance claim lasts longer than two years and six months.

• A work related physical disability can be the result of varying factors, including chronic headaches, ongoing backaches, cancer related treatments, treatment, the birth of a new baby, loss of eyesight, heart disease, mental and emotional illness and stokes as well as other maladies and situations.

• The average income of newly graduating higher education students is approximately $1,101. Weigh that with the average long-term disability maximum claim of $125,450 of loss of income.

With the current available data about young working people, a disability that renders someone incapable of working would have devastating effects without the proper insurance coverage.

Did you know?

• Thirty five percent of young employees experience difficulties in meeting everyday monthly costs.

• Close to 70 percent of all US citizens do not have even a thousand dollars in savings.

• To make matters worse, thirty-one percent of those in the age bracket of eighteen years to thirty years have no savings at all.

Life has its monetary responsibilities. These may include rent, mortgage, student loans, auto payments and more. Shield your earnings and the ability to make ends meet by making sure you have protective indemnity of disability insurance.

Source by M Wyzanski

High Paying AdSense Keywords Exposed

When you are dealing with AdSense, one must always remember to check for the right keywords and niche to maximize your profits.

If you are dealing with the wrong keywords, then you are going to earn a lot less in your AdSense check. The amount of clicks that you get from your effort and traffic will not differ much, what really makes a difference are keywords that actually pay well.

Below we explore some of these keywords and explain why they’re so valuable and why you should give it a try with the listed keywords below.

List of high paying AdSense keywords in 2012

donate car to charity California ($130.25)

donate car for tax credit ($126.65)

donate cars in ma ($125.58)

donate your car Sacramento ($118.20)

how to donate a car in California ($111.21)

donate your car for kids ($106.01)

car insurance quotes Colorado ($100.93)

Nunavut culture ($99.52)

Dayton freight lines ($99.39)

harddrive data recovery services ($98.59)

donate a car in Maryland ($98.51)

motor replacements ($98.43)

cheap domain registration hosting ($98.39)

donating a car in Maryland ($98.20)

donate cars Illinois ($98.13)

criminal defense attorneys Florida ($98.07)

best criminal lawyer in Arizona ($97.93)

car insurance quotes Utah ($97.92)

life insurance co Lincoln ($97.07)

Holland Michigan college ($95.74)

online motor insurance quotes ($95.73)

online colledges ($95.65)

paperport promotional code ($95.13)

onlineclasses ($95.06)

world trade center footage ($95.02)

massage school Dallas Texas ($94.90)

psychic for free ($94.61)

donate old cars to charity ($94.55)

low credit line credit cards ($94.49)

Dallas mesothelioma attorneys ($94.33)

car insurance quotes MN ($94.29)

donate your car for money ($94.01)

cheap auto insurance in VA ($93.84)

met auto ($93.70)

forensics online course ($93.51)

home phone internet bundle ($93.32)

donating used cars to charity ($93.17)

phd in counseling education ($92.99)

neuson ($92.89)

car insurance quotes pa ($92.88)

royalty free images stock ($92.76)

car insurance in South Dakota ($92.72)

email bulk service ($92.55)

webex costs ($92.38)

cheap car insurance for ladies ($92.23)

cheap car insurance in virginia ($92.03)

register free domains ($92.03)

better conferencing calls ($91.44)

futuristic architecture ($91.44)

mortgage adviser ($91.29)

This is by no means a complete list of keywords, but it should serve to help us understand these keywords better.

The highest paying keyword on the list now is “donate car to charity California ($130.25)”.

However, this keyword is a localized keyword and is based on California. All the localized keywords will mean one thing to AdSense advertisers, and that is limited traffic. Hence in order to start an entire AdSense themed site for a keyword that is targeted at one single area alone could be a risk. You will not know if it is paying off or not.

If it does pay off, then you will realize that it is indeed a golden keyword where each click from your site visitor will gross you for $130.25! That’s a lot of money. If your site can rank high on the search engines and get around 100 visits a day with just a 10% click you’ll earn over $1000 dollars.

It’s very lucrative yes but in reality, you are actually going to have to work very hard for a high-value keyword such as this to rank high on the search engines. Not only that, you will find it quite difficult to get enough traffic from California alone. Hence you will need a very strong traffic strategy for this kind of keyword.

Scrolling further down the list you will find a keyword that says ‘hard drive data recovery services ($98.59)’. This keyword is golden because it is not a localized keyword. You can be sure to be able to get a lot of traffic because the keyword can come from any state of the country and thus the amount of searchers for these keywords is surely going to be very high.

And if you take a look at the price per click, $98.59 is not bad at all. There you should always go for this kind of keywords in your campaign. Note that the competition on these keywords will surely be very high, and that you will have to work extra hard to make it pay off. The thing is, once it pays off, you will definitely be able to make a great amount of money, and all your efforts will be worthwhile.

If you take a quick glance at the list above you will find that many of these keywords are localized words and thus making the game that much harder to win at. A good strategy is to choose multiple keywords and try to rank high for all the terms but this would require a lot of work, and usually this strategy is used by larger affiliates who have a workforce to get all the work done for them.

There are a lot more of these high-paying keywords, and they could vary each year. Therefore, a good advice for newcomer AdSense marketers is to keep a look out for high-paying keywords and try your best to focus on one or two of the keywords first. When you are able to nail just one of these keywords down and start earning, you’ll be in for a huge treat indeed.

Source by Max Kim