Jan 21

What Is Temporary Car Insurance And Who Is Eligible For It?

There are several situations in which it makes sense to purchase short term car insurance. Many, including those who live in cities with good transportation systems, do not have a need for permanent cars. Therefore they do not have personal auto insurance. A short term policy is usually for less than 30 days and can be set up quickly.

If you decide to borrow a friend’s car you may want short term temporary insurance. This means that if you are involved in an accident you don’t have to make a claim on your friend’s insurance policy. Also, if their car is damaged you will be certain to have the right cover to have the repairs made. This also means that any claim you make would not reflect on their claims history.

When renting a car you have the choice of using your own auto insurance policy, if it covers rentals. You can also purchase insurance from the auto rental agency. The insurance you purchase from a car rental agency can be expensive and it may not have all of the coverage that you would like. A solution to this dilemma is to buy temporary insurance.

A car that is in storage might have a storage-only policy to simply protect it from theft or damage in storage. If you plan to use a car that has this limited policy then you may want to purchase temporary insurance for the period when you will be actually driving the car.

If you buy a car that you intend to resell right away then a temporary insurance policy will be sure that you are covered while you are trying to sell the car. When you buy a new car you should secure your insurance before driving away. You may opt for a temporary policy so that you have time to find the right long term policy to fit your needs. If you have current car insurance this might already be covered on your policy. But you should check your current policy to see if you are covered.

Short term, or temporary, auto insurance generally has the same provisions as regular auto insurance. You can purchase a liability-only policy but most short term policies include comprehensive coverage. Some short term policies give you the option of including coverage for medical expenses.

Temporary insurance may come with restrictions and you should certainly read the fine print, including exclusions and limitations, to be sure that you are getting the coverage that you need. You can check out a company’s reputation by looking at their rating which can give you an idea of the strength of the insurer and their history of timely claim payments.

Most drivers must be over 21 to be eligible for temporary auto insurance. There are policies for drivers under 21 years of age but they are more difficult to locate and will undoubtedly more expensive. Getting quotes from several insurers is a good way to be sure you are getting the best rate on a short term policy.

Jan 14

Criteria For Mesotherapy Patient – Who Is Eligible For Mesotherapy Treatments?

Mesotherapy is the newest method for weight loss and cellulite reduction. It is a method that applies series of micro-injections inserted just underneath the surface of your skin. The procedure will replenish and bring back all the lost Amino Acids, vitamins and minerals on your skin.

The methods used by mesotherapy treatments are non-surgical. It is a technique specially designed to deliver great results of corrective treatment. It deals with a very broad range of application and conditions. You can have treatment that will deal with skin rejuvenation, weight loss, cellulite reduction and even hair re-growth.

The benefits of mesotherapy are numerous. But not everybody can undergo treatments. Like all cosmetic enhancements, consultation and evaluation needs to be done first. This will help determine if it is appropriate for you. Not all patients pass evaluation. There are certain health guidelines that will help determine if you can qualify for such treatment.

Patients who should not undergo any treatments if you are pregnant women, insulin dependent diabetics, blood thinner patients, people with cancer and AIDS. People with chronic ailments such as heart dysfunctions and other heart diseases are off limits to as well.

There are also certain health conditions that are not appropriate to receive any of the treatments of any kind such as active skin condition or infections, polycystic ovarian syndrome, symptomatic valve prolapse, patient on Beta Blockers, diet pills and other medications.

To be a qualified candidate you have to be in good shape and in perfect health as well. A month before the treatment, you will undergo skin test to determine any skin allergies. Once this issue is clear you can start.

It should only be performed by competent physicians. Having a doctor with comprehensive knowledge about it and will assure you that you are in good hands. Check out the background of your doctor. Knowing what you should know is always to your advantage.

The cost of mesotherapy will vary on your location, your doctor and the area on your body that will be treated. You can discuss the financing concerns of your mesotherapy treatment with the doctor that will perform the treatment. It is best to have everything in understanding before you go on ahead with your treatment. Being prepared financially, physically and mentally is the best criteria to become the most appropriate candidate.

Jan 05

Family Medical Leave Act

The Family and Medical Leave Act (FMLA) requires covered employers to grant an unpaid leave of absence for employees who can’t work because they are ill, have a newborn child, or must care for family members who are ill.

Under the FMLA a covered employer (one who has 50 or more employees) must grant an eligible employee up to 12 weeks of unpaid leave during any 12-month period for one or more of the following reasons:

* for the birth and care of the newborn child of the employee;
* for placement with the employee of a son or daughter for adoption or foster care;
* to care for an immediate family member (spouse, child, or parent) with a serious health condition; or
* to take medical leave when the employee is unable to work because of a serious health condition

The definition of “serious health condition” is rather lengthy but you may read it for yourself at the Department of Labor website: http://www.dol.gov/dol/allcfr/ESA/Title_29/Part_825/29CFR825.114.htm

You will find a wealth of information at that site including FAQ and the actual regulations from the CFR (Code of Federal Regulations).

Employees become eligible for the FMLA benefit after working for a covered employer for one year and working at least 1250 hours during the 12 month period preceding the leave.

Once an employer has granted the 12 weeks required by law the benefits are exhausted for that 12 month period. In that case, in may be helpful for an employee to check with human resources, to see if there any other benefits available that would allow one to remain off work longer.

Dec 31

The Ever Growing Need to Exercise

As I watch my Uncle now go through his third bypass surgery, I’m suddenly more self aware of just how much heart disease our family has. With both sides riddled with heart complications, I’m afraid. I’m afraid that in another ten or twenty years I’ll end up like either of my grandfathers who died young due to heart attacks or like my Uncle here who is battling heart complications every year. With his blood pressure medication list growing longer and longer I can’t help feel guilty that I am not taking the steps that I should be taking in order to prevent heart problems in my own future.

It’s not easy to stay ‘healthy’. I do try my best to at least walk for an hour a day but my diet is absolutely atrocious. Read the rest of this entry »

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