Have you thought about what you would do financially if you were were unable to work? If you were disabled short term or long term, where would the money come from? Disability insurance is one of the best lifetime investments you can make. Hopefully you will not have to use it, but you may need it.
It is important because anyone can have a devastating health challenge that could wipe them out physically and financially. Medical costs are one of the top reasons people end up in the poor house. Disability insurance payments allow you to have money for health needs as well as for everyday necessities. This is a very sensible thing to do.
Disability insurance is seldom talked about when it comes to insurance you need. Your house is insured. So is your car. So you should be insured, too. Life insurance is good, but pays off after you die.
Disability coverage is available as "own occupation" coverage. This type covers you for being unable to work at the occupation for which you have been explicitly educated, trained, and employed like doctor, lawyer, broadcast media, president, etc.
It is usually more expensive than basic generic coverage like Social Security, and pays more. The going rate is two-thirds of your salary.
If you pay for your own policy instead of allowing your employer to do so, your money is tax free. If you withdraw IRA monies early and provide proof of disability you are exempt from the penalty.
Protect yourself financially from medical disability and potential financial free fall. Disability insurance like health insurance protects your most important asset - YOU.
by J.L. Richardson, MD, family medicine physician and author of Patient Handbook to Medical Care: Your Personal Health Guide.
http://www.mypatienthandbook.com/
www.twitter.com/MD4U
www.blogtalkradio.com/drjfpmd
Mostrando entradas con la etiqueta disability insurance; health insurance; disability; SSDI. Mostrar todas las entradas
Mostrando entradas con la etiqueta disability insurance; health insurance; disability; SSDI. Mostrar todas las entradas
domingo, 11 de abril de 2010
jueves, 23 de julio de 2009
Disability & Illness
Blog talk radio show tonight July 23 - 7PM - topic #Disability & #Illness
Patient Handbook to Medical Care - show by Drjfpmd & MD4U on #BlogTalkRadio - www.blogtalkradio.com/drjfpmd
Patient Handbook to Medical Care - show by Drjfpmd & MD4U on #BlogTalkRadio - www.blogtalkradio.com/drjfpmd
domingo, 12 de julio de 2009
You Are A Preferred Patient If You Are....?
There is little room for "theirs" and "ours" medicine, and there is very little of it. The myth that doctors, nurses, and health care workers get better or preferential treatment is absolutely preposterous. It' s more like rich patient, poor patient and healthy patient, sick patient. There is more health discrimination than ever amongst people based on sex, money, ethnic, and religious background. This is what we should be concerned about and be doing more to prevent any type of discrimination!
Think as you like; however, many documented experiences of health disparity occur amongst health care professionals by their own health care providers. How pathetic is that? If you are female, you will be more likely to get some "attempted" lack of health care by a doctor who may feel as every woman's symptom is "in her mind", and if you're over 65 the feeling is "who cares". Disabled patients especially those with communication challenges like hearing impairment, are underserved too often. If you are too sick, or they don't know what to do for you, you will be kicked to the curb. Oh, yes! When that happens, you must continue to seek and find the best for you and those you advocate.
Before your health care provider's options "run out", you better run...to you! It is in your best interest to know what illnesses affect you, and to know all about them. With the credible information on the Internet, from books, media, and from real people, you are able to know as much or more than your doctor about what ails you and what works best. The health care providers are there to coach, but it is your game.
Many patients come to me with more information than I already knew on conditions they have. It is good to see they want me to know and learn, too. In return, I read and research what they bring, and talk about what matters to them, what is best for them It would be really nice if more of my personal doctors did that. Doctors that failed to do so have been replaced (or should I say "kicked to the curb") with those that do best by me as a patient. There are good doctors, and there are bad doctors for everyone. It's your choice to take it...or leave it and move on. Someone will give you non discriminatory, preferential treatment as a patient, not by what you do or by by some other limiting parameter like age, sex, etc.
For many doctors I see as a patient, or advocate for someone else, there is no talk of Dr. Richardson. This actually can make it harder for me and them to get the best, most timely, and most cost effective health care. I am J. Richardson Patient. If I have to become Dr. Richardson, my appointment is not made sooner, my co payments remain the same, my health insurance premium goes up, and on and on. My peers, other health workers, and patients have similar stories.
Patients of this great nation, you must see that American health care doesn't care! There are no special favors like great care, and low cost unless you are "proven" 100% healthy, and/ or wealthy, i.e you have no pre-existing condition. Is a national health plan the only way we may see equal care for all? Maybe if we had health coverage like our President and lawmakers, things would be better, and would be in existence by now. After all we were promised that by them while they were campaigning for our trust and official appointment. Instead we are fed almost daily press conferences on healthcare for all repeating the same things in a different way on a different day.
It's your game - coach it, referee it, and play it so that you are the winner, my patients. You are a preferred patient if you are...getting good medical care.
Think as you like; however, many documented experiences of health disparity occur amongst health care professionals by their own health care providers. How pathetic is that? If you are female, you will be more likely to get some "attempted" lack of health care by a doctor who may feel as every woman's symptom is "in her mind", and if you're over 65 the feeling is "who cares". Disabled patients especially those with communication challenges like hearing impairment, are underserved too often. If you are too sick, or they don't know what to do for you, you will be kicked to the curb. Oh, yes! When that happens, you must continue to seek and find the best for you and those you advocate.
Before your health care provider's options "run out", you better run...to you! It is in your best interest to know what illnesses affect you, and to know all about them. With the credible information on the Internet, from books, media, and from real people, you are able to know as much or more than your doctor about what ails you and what works best. The health care providers are there to coach, but it is your game.
Many patients come to me with more information than I already knew on conditions they have. It is good to see they want me to know and learn, too. In return, I read and research what they bring, and talk about what matters to them, what is best for them It would be really nice if more of my personal doctors did that. Doctors that failed to do so have been replaced (or should I say "kicked to the curb") with those that do best by me as a patient. There are good doctors, and there are bad doctors for everyone. It's your choice to take it...or leave it and move on. Someone will give you non discriminatory, preferential treatment as a patient, not by what you do or by by some other limiting parameter like age, sex, etc.
For many doctors I see as a patient, or advocate for someone else, there is no talk of Dr. Richardson. This actually can make it harder for me and them to get the best, most timely, and most cost effective health care. I am J. Richardson Patient. If I have to become Dr. Richardson, my appointment is not made sooner, my co payments remain the same, my health insurance premium goes up, and on and on. My peers, other health workers, and patients have similar stories.
Patients of this great nation, you must see that American health care doesn't care! There are no special favors like great care, and low cost unless you are "proven" 100% healthy, and/ or wealthy, i.e you have no pre-existing condition. Is a national health plan the only way we may see equal care for all? Maybe if we had health coverage like our President and lawmakers, things would be better, and would be in existence by now. After all we were promised that by them while they were campaigning for our trust and official appointment. Instead we are fed almost daily press conferences on healthcare for all repeating the same things in a different way on a different day.
It's your game - coach it, referee it, and play it so that you are the winner, my patients. You are a preferred patient if you are...getting good medical care.
Your Personal #Health Guide on Google Books
Read excerpts at Google Books http://books.google.com/books?id=kPmXiNrg1pYC&printsec=frontcover&dq=patient+handbook+to+medical+care
Patient Handbook to Medical Care: Your Personal Health Guide is written for patients by a medical doctor "to inform and educate patients about medical care". Health maintenance, prevention, early detection, and early treatment are the foundation for great health.
This Writer's Digest International Self-Published Book Award winner informs patients about
basic medical care. By reading this how-to reference book you will learn:
Patient Handbook to Medical Care: Your Personal Health Guide is written for patients by a medical doctor "to inform and educate patients about medical care". Health maintenance, prevention, early detection, and early treatment are the foundation for great health.
This Writer's Digest International Self-Published Book Award winner informs patients about
basic medical care. By reading this how-to reference book you will learn:
- how to keep a medical diary
- how to get your medical records
- how to document your complete medical history
- what the physical exam should include
- about preventive tests and when to get them
- about tests your doctor orders
- about specialists and other medical providers
- about health care plans and coverage
- how to seek quality health services.
Also featured are "My Health Notes", blank pages for you to write your medical history, questions, and things to discuss with your health care team!
Great health is true wealth!
domingo, 15 de febrero de 2009
Disability Insurance
Have you thought about what you would do financially if you were were unable to work? If you were disabled short term or long term, where would the money come from?
Disability insurance is one of the best lifetime investments you can make. Hopefully you will not have to use it, but you may need it. Like health insurance, it protects your most important asset - YOU.
It is important because anyone can have a devastating health challenge that could wipe them out physically and financially. Medical costs are one of the top reasons people end up in the poor house. Disability insurance payments allow you to have money for health insurance. It sounds sensible.
Disability coverage is available as "own occupation" coverage. This type covers you for being unable to work at the occupation for which you have been explicitly educated, trained, and employed like doctor, lawyer, broadcast media, president, etc.
It is usually more expensive than basic generic coverage like Social Security, and pays more. The going rate is two-thirds of your salary.
If you pay for your own policy instead of allowing your employer to do so, your money is tax free. If you withdraw IRA monies early and provide proof of disability you are exempt from the penalty.
Disability insurance is seldom talked about when it comes to insurance you need. Your house is insured. So is your car. So you should be insured, too. Life insurance is good, but pays off after you pass on.
Protect yourself financially from medical disability and potential financial free fall. Disability insurance like health insurance protects your most important asset - YOU.
Disability insurance is one of the best lifetime investments you can make. Hopefully you will not have to use it, but you may need it. Like health insurance, it protects your most important asset - YOU.
It is important because anyone can have a devastating health challenge that could wipe them out physically and financially. Medical costs are one of the top reasons people end up in the poor house. Disability insurance payments allow you to have money for health insurance. It sounds sensible.
Disability coverage is available as "own occupation" coverage. This type covers you for being unable to work at the occupation for which you have been explicitly educated, trained, and employed like doctor, lawyer, broadcast media, president, etc.
It is usually more expensive than basic generic coverage like Social Security, and pays more. The going rate is two-thirds of your salary.
If you pay for your own policy instead of allowing your employer to do so, your money is tax free. If you withdraw IRA monies early and provide proof of disability you are exempt from the penalty.
Disability insurance is seldom talked about when it comes to insurance you need. Your house is insured. So is your car. So you should be insured, too. Life insurance is good, but pays off after you pass on.
Protect yourself financially from medical disability and potential financial free fall. Disability insurance like health insurance protects your most important asset - YOU.
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