Health care has been so much in the news lately and there has been so much discussion about it, most people probably have no idea how they may be affected. Here, in the United States, national health care has been basically, Medicare, for those over 65 (or disabled) and the state run, Medicaid, in New York, or similar program, in other states. In order to qualify for state medical aid, one must have virtually no income or assets. This type of system leaves many people in a difficult situation with their health care status. If they are not working at a company that provides medical coverage, not elderly or not dirt poor, you may have problems with medical care. National health care would help those who do not qualify for state aid and not eligible for Medicare or any other health benefit program through work or school. Many jobs provide access to a couple of health plans and cover part of the cost of enrollment, where the remainder, is deducted from the employee’s salary. Of course, how much is covered depends on the employer. When an employee leaves the job, they can be eligible for co-ordination of benefits rights act(COBRA) and still qualify for the reduced payment of the insurance coverage. National health care can provide either a wide range of medical insurance plans at affordable prices to the general public or direct assistance with medical claims and bills. It can also help people with more serious illnesses pay for expensive medications and lab work.

byAlma Abell

Marine underwater lights are becoming a more and more popular add-on for boating enthusiasts, and for good reasons. Anyone who habitually spends time out on the water has probably seen them popping up everywhere lately. If you do not have these lights yet and are considering making the purchase, here are some beneficial features that can help make the decision easy for you.

One of the most important benefits these types of lights bring to the table is the way they can increase your safety on the water. They will make you more visible to other boats, helping everyone avoid collisions at night and in other low-visibility conditions. Just making this simple add on to your boat can end up preventing a bad situation. It will also make your ship more noticeable to any surrounding fish. The lights draw them in and make catching them a snap.

Fish may be more attracted to certain types of light, so make sure you get the right one if this is your goal. There are several different varieties of marine underwater lights out there. They can come equipped with different effects like fading and strobing. Still, others are able to display various colors including blue, red, green and white. Once you have chosen the kind of lights that you want, installation can be easy to do all on your own. It just takes a little time, drills and screws. Once the process is done, the boat will not just be safer on the water; the lights will enhance its appearance as well.

Whether you are a hobbyist or a professional, marine underwater lights are tools that any type of fisherman can make use of. They key is to find the right setup for your needs. With a reliable, experienced business by your side, you will soon be on the way to better boating in any conditions.

How Your Los Angeles Car Accident Lawyer Can Help You

by

Nick P.In the state of California, vehicle collisions and accidents come in many different forms. Some involve multiple parties, some cause life-changing injuries, and some are the result of irresponsible behavior that must be criminally prosecuted. In almost every instance, however, there is a need for restitution and justice. A Los Angeles car accident lawyer can help.1. The EventsAs is the case with every kind of legal endeavor, the truth is paramount. Vehicle collisions are messy incidents that can often involve multiple layers of due diligence, responsibility, and blame. Without knowing the entire truth of what happened in those awful moments, your Los Angeles car accident lawyer will be unable to properly prove your lack of responsibility, and thus your need for justice and compensation. No matter who you choose for your attorney, they will need to know the truth, and the whole truth, as much as you remember.One of the ways you can help with this starts before you even call your lawyer. If you are in a vehicle collision, and you are able to, exchange information with the other parties involved, gather witness contact information, and, most importantly, help the injured within your capacity and ability to do so. This information can help your Los Angeles car accident lawyer paint a better picture of what happened, and that can help you get the justice you deserve.2. Your Medical SituationWhile it can be difficult to discuss the medical issues that have stemmed from your vehicle collisions, your Los Angeles car accident lawyer needs to understand the total extent of what is going on. Not only does this help paint a more complete picture of the effects of the accident, it also will change what sorts of charges and compensation agreements are part of the legal process. Full details about everything, from your injuries to the mental impact and costs of recovery, are part of lawsuits involving vehicle collisions. That means your compensation depends on the full picture of your medical situation that directly results from your vehicle collision.3. Insurance DetailsBesides your medical situation, your legal counsel will also need to understand your insurance situation with regards to the damage that have been done to your vehicle. Since insurance companies each have differing policies concerning the compensation that is awarded after a vehicle collision, your Los Angeles car accident lawyer can build a better compensation package after understanding who was at fault and what each insurance company offers. This will be especially necessary if your vehicle accident happened while you were working or while you were at a work-related site or event.Your Los Angeles car accident lawyer is paramount to helping you recover after a vehicle collision, and they can help you even more when they are armed with the right information. Everything from your medical situation to details about the collision are important. With every piece of information available, your attorney has a better chance of helping you receive the justice and compensation you deserve so that you can move on to the next stage of your life.Abir Cohen Treyzon Salo, LLP

a team of experienced attorneys in Los Angeles, San Francisco, San Diego and Irvine, CA offering legal services for personal injury, car accident, insurance bad faith, construction defects, civil rights, property damage, home insurance, and business litigation. To know more, visit

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byAlma Abell

Have you suffered some sort of loss that is covered by your insurance? If so, it may be the time to consider working with a public adjuster in Atlanta. Why? Because a public adjuster is someone who is going to evaluate the loss, but entirely on your behalf and then help you to file a claim. They are the perfect resource if you feel that the amount of compensation being offered to you by the insurance company is less than it should be.

You can hire a public adjuster in Atlanta if there has been damage due to hurricane, fire, flood or even wind and other issues, and it can be for property losses in addition to business income, as well.

Why would a public adjuster in Atlanta even be necessary? After all, isn’t your insurance company on your side? The short answer is, that the insurance companies may not dedicate the amount of time it takes to give you the fullest amounts possible. The adjuster, on the other hand, will typically do an exhaustive evaluation of the loss and create and submit a claim that ensures you get the very most out of the coverage you purchased.

As a simple example, let’s say that you sustained severe damage due to flooding and you had insurance to cover it. The insurance company may use a measure such as a cost per square foot to calculate the amount they give you to rebuild or fix the property. The adjuster, however, is going to itemize everything – they’ll look at what it costs to redo a ceiling in plaster, all of the walls with insulation and drywall as well as moldings and paint. They include the flooring, windows and framing, heating and a/c components, outlets and much more.

With their attention to detail, the public adjuster in Atlanta is going to ensure you obtain the highest amount due to you by the insurance company. Yet, they can also negotiate on your behalf, helping you to avoid accidentally settling for a smaller claim or causing issues with miscommunications or misunderstandings. They are going to save you the tremendous amount of both time and money, and handle things that few of us are equipped to handle.

If you have endured a loss that is covered by insurance, it could be in your best interest to contact a public adjuster and find out if you are getting the best deal possible.

Submitted by: Bima Deals

SBI Life-Smart Elite is a unit-linked life insurance plan crafted exclusively for high net worth individuals. The plan is no different from other Ulips offered by SBI Life except that it has a high premium bracket starting from Rs 1,50,000. It offers two protection options. Under the Gold option, the diagram provides a choice of higher of sum assured or fund value on unfortunate events.

Under the Platinum choice, the nominee of the policyholder would receive both. The scheme offers six alternative investment options (funds) with varying equity and debt exposure for the policyholder.

COST STRUCTURE: The large ticket size has helped keep the cost of this scheme low. The insurance company charges 15% premium allocation charges for a 5-year period. This is much lower than the 20-25% charged by some other insurers.

Additional premium paid towards investment purposes only (top-ups) attract a 2% allocation charge. The policy administration charge is fixed at Rs 600 per annum for a single premium policyholder and Rs 720 pa for the rest. This helps in keeping the cost organization low since the administration charge is defined in absolute terms and is not linked to the annual premium. It needs to be noted that the scheme’s mortality charges are same as that of the LIC mortality table, unlike other insurance companies, which have higher charges.

BENEFITS: SBI Life-Smart Elite is a flexible plan with various premium payment modes. The system allows the policyholder to increase or reduce the sum assured based on the needs. However, this flexibility is only allowed three times in the entire policy tenure. An increase in the sum assured is subject to underwriting and is not available at 50 years and above. The plan offers a settlement option, under which a policyholder can take away the fund value at maturity in five instalments.

PERFORMANCE: SBI Life-Smart Elite offers a basket of six investment options of which three funds are more than five years old. These include Balanced Fund, Bond Fund and Money Market Fund, while the rest three are recently launched and are just about a year old.

While most of the old funds have outperformed the benchmark with good margins, the new funds are yet to show their sheen.Equity Elite fund is nowhere close to the regular equity fund of SBI Life which is the best performing fund in the category with more than 23% annualised returns. P/E Managed and Index funds, which are equity-oriented funds, have also not put up an encouraging show.

PORTFOLIO REVIEW: SBI Life Insurance primarily has a large-cap defined equity portfolio with just about 4-5% mid-cap stock holding. Top holdings of the portfolio include Infosys, Reliance Industries , ICICI Bank and L&T. Similar to most other funds, SBI Life has a higher exposure to the financial services and oil and gas sectors. The healthcare sector, a more defensive one, forms a small part of the portfolio due to a complex business model, according to the fund manager . The portfolios have very significant exposure in metal stocks, which are currently underperforming.

DEATH / MATURITY BENEFIT: On maturity, the policyholder gets the amount accumulated in the fund. In the case of demise, the nominee of the policyholder receives higher of the sum assured or the fund value or both, subject to a minimum of 105% of the basic total premium paid towards the policy over the period.

For instance, say a 35-year healthy male invests Rs 2,00,000 per annum in the equity fund for 10 years. Assuming that the sum assured is 20 times the annual premium, the total sum assured receivable, in case of any eventuality, would be Rs 40 lakh. By the end of 20 years, assuming the rate of return of 6% and 10%, the fund value shall be Rs 36,65,524 and Rs 67,76,640 respectively.

OUR VIEW: Smart Elite is one of the most competent products in terms of its cost structure. It provides flexibility to investors.

Among its six funds, Balanced and Bond funds have shown a remarkable performance. But high net worth individuals generally have a high risk appetite. Since the returns from the equity-oriented funds in Smart Elite are not as good, prospective investors will be better-off by investing in other products of SBI Life.

Source: [Economic Times]

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