Take a Number: Five Ways to Look at Age

April 24, 2016 by · Comments Off on Take a Number: Five Ways to Look at Age
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One for the Ages

Satchel Paige was a great baseball pitcher, one of the greatest of all time. He was an African-American and, due to the racial discrimination of the time, most of his outstanding career was not spent in the (white) major leagues. However, after the historic breakthrough by the courageous and talented Jackie Robinson (Mr. Paige’s junior by about 14 years), Satchel Paige pitched in the major leagues for a number of years. In fact, he was still able to get major league batters out at the age of 60! (Mr. Paige’s age at his retirement from baseball is not known for certain because no one, probably including Mr. Paige himself, knew his exact year of birth; some thought he was older than 60). Mr. Paige revealed a mind as sharp as the break on his curve ball when he asked this profound question for the ages:

“How old would you be if you did not know how old you are?”

These writings are dedicated to the memory of Satchel Paige and to all the so-called “over-the-hill” guys and gals in every sport and in every area of life, from Churchill and Reagan in politics to Jessica Tandy in acting and Paul McCartney in fatherhood. They and many like them in the past and present will be joined by many more in the future who are not really “over the hill” because they are too busy taking the hill.

Five Ways to Look at Age

Chronological Age

The most common way to look at age is the Chronological. This is the one that everyone is familiar with. It is simply the time that has passed since your date of birth to today. It is the one that governments and insurance companies require of you and that your Doctor knows, even if your boy friend doesn’t. It is a unidimensional measure because it considers only time. It is uniform because everybody who is 48 years, 6 months, and 3 weeks old is exactly that, chronologically. People who view age only from the chronological perspective are somewhere between dumb and dumber.

True Age

True Age is another and better way to look at your age. True age is basically what a measurement of all the biomarkers of aging would reveal about you. Here’s four points about true age. One, if a well-trained physician did NOT know how old you are but reviewed a print-out of your biomarkers, she or he could accurately estimate your true age. Two, your true age is not uniform but varies by individual: you can be younger or older than your chronological age. Three, true age is multidimensional rather than confined to time. Four, absolutely nothing can be done about chronological age because it is fixed, but a great deal can be done about true age.

Appearance Age

Appearance Age is the age you appear to be to others. It no doubt has some relationship to both chronological age and true age. Yet it is different. This is because it is heavily influenced by a number of factors outside the scope of biomarker measurement, not the least of which is attitude. We all know people that appear to be quite a bit younger or older than their chronological age. But the only scientific way to measure a person’s appearance age would be to have a representative sample of the population observe a person for at least a few minutes. A quick glance is not sufficient because appearance age includes factors such as movement of the body and alertness, not just a frozen face. Then the estimates from all members of the representative sample would be gathered, simple statistical measures applied, and Voila! You have the person’s appearance age. Of course, unless we are part of a study, none of us will ever get this scientific about it. We will just have to rely on random comments from friends, family, and nice or mean strangers to estimate our appearance age; and usually it’s a pretty good estimate.

NEAT Age

A new way to look at age, which occurred to me awhile back, is what I call one’s N.E.A.T. age. This is simply one’s time left on the planet from right Now to the time of death. This age is unknowable by readers or anyone, except those committed to imminent suicide (and these poor folks are no more likely to take the short time remaining to do age calculations than they are to be caught dead reading an article about lively longevity). The best we can do is make a calculated estimate based on what we know about the general population and factor in any pluses or minuses that apply to us individually.

The N in NEAT of course stands for Now since the calculation is from the present, today, right now. E is for Elusive because I believe moments of time are elusive. As we humans try to hold or capture a moment of time it eludes us because the next moment is here, and then the next. Time and life are a flow.

The A in NEAT is for Allotted. Everyone who has ever lived has only so much time to live. Some have short lives, some have long lives, and some have lives neither particularly long nor short. But human life is finite and almost certainly will remain finite into the distant future if not forever. We do not need to take sides in the age-old debate about whether or not our allotted time is predestined by God in order to recognize that the amount is finite.

Of course, T is for Time. Time remaining is what it is all about. As has been oft noted: a millionaire on his death bed would gladly exchange his riches for a little more time, say one more day of healthy living.

So one’s NEAT age is one’s Now Elusive Allotted Time. It is a concept that provides a different perspective on aging and on life. For example, let’s suppose there was a 30-year old person named Terry and a 60-year old person named Sydney living in the same town in 1960. Conventional wisdom and simple arithmetic agree that Sydney was twice as old as Terry at that time. Such wisdom carries the (usually) unstated assumption that Terry is about 30 years further from the grave than Sydney. Statistically, this is difficult to argue with. But statistics are oft off for an individual and sometimes by a wide margin.

Let’s suppose that Terry had a lifetime of very bad health habits and, never having had the opportunity to read my writings, continued the very bad habits. Poor Terry expired a little shy of 40. (The same fate could have befallen Terry due to a dreaded disease or tragic accident.) Sydney, on the other hand, decided at some point to lead a health-conscious life. Sydney made good choices and stuck with them. Sydney enjoyed basically good health beyond age 100 before passing on. When Sydney was 60 and Terry was 30, Sydney had a NEAT age of 40+ and Terry had a NEAT age just under 10. So way back in 1960, who was younger: the one with less than a decade of life left, or the one with more than four decades of vibrant life left? One of the neat things about the NEAT age is that the bigger this age number the better.

Ideal Age

The fifth and final way that we will look at age is one’s Ideal Age. Your ideal age is your age of choice, your preferred age. The concept of ideal age brings us back to Satchel Paige’s question:

How old would you be if you did not know how old you are?

In a sense, perhaps most of us do NOT know how old we are anyhow. Sure we know our chronological age, and some of us have a rough gauge of our appearance age. But few of us know our true age, and none of us knows our NEAT age. So it should not be so difficult to put chronological age aside for a few moments and answer Mr. Paige’s question.

Before leaping to an answer like 21, keep in my mind that successful living usually involves a combination of physical vigor, mental acuity, and wisdom. Personally, my ideal age is 37; thus even at my next birthday I will still be one year younger than all the women over 40.

What about you? What’s your number? What’s your ideal age? The way my anti-aging program works for you is that after reflection you establish your ideal age. Then we work with all the tools and techniques of the program to bring your true age into ever closer alignment with your ideal age. There is a balance to be struck. A 90-year old reader shooting for an ideal age of 19 is setting up way too much of a challenge and thus is setting up for failure. A 50-year old reader settling for an ideal age of 45 is not challenging herself or himself enough.

Take a number.

Satchel Paige was the impetus for me to write the close to this article:

When it comes to matters of age,

It is best to take a page out of Paige,

And move forward with grace,

Paying no mind to this myth of the human race.

Gary Patrick is a certified anti-aging professional (Giovane Medical Services). He is also an author, hypnotist, personal trainer, and speaker. Free stuff is available for a limited time at his web site: [http://rapidresults.biz]

Article Source: http://EzineArticles.com/expert/Gary_Patrick/18668

Life Insurance Schemes Aimed At Senior Citizens by Bobby E Richardson

August 23, 2013 by · Leave a Comment
Filed under: Articles 

Expert Author Bobby E Richardson

I remember reading a news post once about a man in Florida that was arrested in a Life Insurance scam. It had been estimated that he had stolen millions in Life Insurance money from our senior citizens. Just thinking about the story infuriates me, and inspired me to give a few pointers out to seniors considering the purchase of a policy.

One of the craziest facts about the story aside from the stolen money is that he worked in a large financial group. I know that a scam can happen in any business structure but I was expecting it to be a door to door insurance salesman. When I say that, it’s not to take shots at those type of salesman; I used to be one, but those were my expectations.

First let’s take a look at a few of the reasons why seniors would need Life Insurance, and then how they can make sure they don’t get taken advantage of from a few idiots who call themselves salesmen.

There are several factors that could bring about concerns for seniors to leave money behind to loved ones.It is a way for them to cover final expenses for a proper burial and not leave the responsibility to loved ones, they can leave a lump sum of money to heirs that will be tax-free upon receipt, they could be raising grand babies that will need financial assistance, or it could be to just make sure money is in place to cover excess debts if they were to suddenly pass on.

The only drawback to getting Life Insurance as a senior is that finding a low costing policy is not impossible but it can be difficult.The best thing you can do is see if a trusted family member or friend knows an insurance agent or you can spend some time reading to learn about life insurance yourself.Then, go to a few websites or call around to shop to some of the agencies.

There are a few companies that will not allow seniors to purchase a term policy. With those companies the cut off age is usually about 65 and up. With the companies that do allow it, it will be more expensive.

9 times out of 10 seniors will be required to accept a whole life policy. Seniors should keep in mind that in order for them to pay off a whole life policy, the contract has to be maintained for 10 years.This time commitment does vary with a few of the insurance companies.

Here is a few question seniors should ask when considering a Life Insurance policy:

Does the company require a medical exam?

Are monthly premiums locked in for the life of the policy or will they increase with time?

Can I continually renew the policy for the life of the contract?

What are the specific renewal requirements?

Can the monthly premiums be waived in the event of disability or injury that limits my income?

When will the beneficiary receive the death benefit? (Some policies require the insured to be alive for 3 years before the beneficiaries received the face amount. If the insured dies earlier than the requirement, they will receive all of the premiums paid into the policy plus 10% interest, which is still better than putting the money into a bank account that wouldn’t give as much interest.)

Seniors just need to make they plan and effectively select a good policy, to give themselves that peace of mind in knowing that their loved ones will be protected financially in the event of their death. It’s sick to know that there are scam artist out there that will take advantage of those good intentions. But I do want to point out the fact that there are many good insurance brokers who will sincerely help people with finding the best policy to fit their families needs and more importantly their budget.

It is my pleasure to help Americans enjoy their retirement years with financial security. I care about providing products that protect you and your family. I am committed to ensuring peace of mind for your retirement future. My commitment to unsurpassed service and strong contract owner benefits has allowed me to experience consistent growth within my industry. I’m the one to offer you diverse financial planning choices for your retirement dollars.

We represent over a dozen of the nation’s top rated life insurance and annuity providers. We’ll provide you with information and pricing on every service available at your location and let you choose. No more high-pressure, heavily biased sales pitches from pushy insurance salespeople.

Life’s Protection

Bobby E Richardson

Phone: (386) 308-9626

Fax: (407) 210-1602

bobby.richardson@lifesprotection.com

[http://www.lifesprotection.com]

Article Source: http://EzineArticles.com/?expert=Bobby_E_Richardson

Health Insurance for Senior Citizens – How to Get the Best Rate by Brian Stevens

May 31, 2013 by · Leave a Comment
Filed under: Articles 

As a senior citizen, you may find yourself in a health insurance crisis – no longer covered by an employer’s health insurance policy but needing health insurance more than you ever did before. Of course, Medicare covers some of your medical expenses, but how can you get the best rate on health insurance to cover the gaps Medicare leaves?

What Medicare Covers

Once you are 65 years old, you’re eligible to enroll in Medicare. Medicare can include several programs:

* Medicare Part A, which helps cover inpatient hospital care, nursing home care, hospice care, and some home health care. Most people pay for this coverage through taxes, so they do not pay a deductible or monthly premium.

* Medicare Part B, which helps cover doctors’ services, outpatient hospital care, medical equipment, physical and occupational therapy and some home health care. Most people pay an annual deductible and a monthly premium for this health plan.

* Medicare Part C, Medicare Advantage Plan, which offers you more choices among health plans and extends your benefits.

* Medicare Part D, prescription drug coverage.

In addition, you may need MediGap coverage, which is health insurance that covers what Medicare does not.

Affordable Health Insurance for Senior Citizens

As you can see, health insurance for senior citizens can be confusing. Fortunately, insurance comparison websites can help you gain a clear picture of what health insurance you need, as well as help you find that insurance at a reasonable rate.

All you need to do is go to an insurance comparison website and complete a simple form with information about yourself and your insurance needs. Once you submit the form, you will soon receive quotes for affordable health insurance from multiple A-rated insurance companies. And at the best insurance comparison websites, insurance professionals are standing by to talk with you and answer any health insurance questions you have. (See link below.)

Visit http://www.LowerRateQuotes.com/health-insurance.html or click on the following link to get health insurance quotes for senior citizens from top-rated companies and see how much you can save. You can also get more insurance tips there.

The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on health insurance for senior citizens.

Article Source: http://EzineArticles.com/?expert=Brian_Stevens

Medicare Supplemental Insurance Plans for Senior Citizens by Brant Reed

May 11, 2013 by · Leave a Comment
Filed under: Articles 

For senior citizens, having medical coverage through the federal government’s  Medicare program is literally a lifesaver. Many of these senior citizens would  not be able to afford the basic medical care that they need without Medicare.  This social insurance program allows them to stay healthy and enjoy a longer  life than they might otherwise enjoy without the assistance of Medicare. But as  great as the program is, it’s only designed to cover the basic insurance needs  of our nation’s elderly. That’s why the option of being able to purchase a  Medicare supplemental insurance plan is so key to the health and well-being of  American senior citizens.

A Medicare supplemental insurance plan is designed to cover holes and gaps in  basic Medicare coverage. Since most senior citizens are beginning to deal with  aging-related issues by the time they turn sixty-five years of age and are  eligible for Medicare, most of them need more than just the basic coverage  offered by Medicare. This means that left with only Medicare coverage, most of  these senior citizens will be left with inadequate coverage, which they may not  realize until they suffer a health emergency and realize that they can’t afford  the care that they need.

While Medicare is federally subsidized, Medicare supplemental insurance is  administered by the state governments and is sold by private insurance  companies. If you’re interested in purchasing a Medicare supplemental insurance  plan, first make sure that you understand the Medicare regulations in your  state. You don’t want to settle on a plan only to find that it’s not available  in your state. And be sure to shop around. You won’t get the best price if you  don’t take the time to get at least three price quotes from different companies  to compare and see what deals are available to you.

If the task of researching Medicare supplemental insurance seems too daunting  to tackle on your own, you’re not alone in feeling overwhelmed. That is why so  many quality insurance brokers are able to stay in business. They make it their  aim to understand not only the different Medicare supplements that are available  through different insurance companies, but also to understand the needs of the  senior citizens in their area so that they can recommend the best insurance  products to their clients. With the help of a good agent and a basic  understanding of the Medicare supplement, you’re sure to be able to get the  coverage you need.

Medicare Supplements for you will find and compare the best options for your  Medicare Supplemental Insurance needs.  You can make an  informed decision after perusing the information we provide you.  Did you  know you can cut costs and continue to see your preferred doctors?

Article Source: http://EzineArticles.com/?expert=Brant_Reed

 

Know More About Short Term Health Insurance Plans For Senior Citizens by John D. Edwards

May 2, 2013 by · Leave a Comment
Filed under: Articles 

Short term insurance has become very popular over the recent years as it is a  cheaper and affordable insurance option for many people. When it comes to  insurance polices there are many to choose from. There are companies that  provide a host of insurance policies and at times it is difficult to choose the  ideal one for you. For people over 65 years of age it becomes even more  difficult because they are not aware of the right plans for themselves and they  fear the amount of premium that they need to pay as the amount for insurance  policy increases with age. If you are over 65 years this may sound depressing  for you however the good news is that there are many short term health insurance  plans that are offered by insurance companies for their benefit and welfare.

The above insurance companies offer the best policies that are less expensive  for them. These companies have two sets of health insurance policies that are  available for people under 65 and the next set for people over 65. The insurance  policies that have been framed for senior citizens by Medicare are short term  insurance policies that have been targeted for the welfare of these citizens.  There are certain cholesterol levels, blood pressure, family history, height,  weight and other considerations that are taken into account for these citizens.  In fact, the above policy considerations are more liberal than the ones that are  made for younger adults. These citizens can reap the benefits of short term  health insurance polices that have been made keeping their needs in mind.

The term insurance policy intended for senior citizens offer the best rates  and helps them save significant money. The short term insurance is also called a  temporary insurance that provides health insurance for a limited period only.  The time period can be as short as a month and can also go up to 6 to 12 months  as well. The term health insurance works in the same way as the long term health  insurance. The coverage between the two is different and in the case of the  former the person gets a health card that will possess limits and the  deductibles on the services of the policy. Such a short term insurance policy  provides you with the advantages of an insurance against accidents and illnesses  only for a limited period.

The short term health insurance plan for senior citizens do not contain  pre-existing conditions and preventive care. The pre-existing condition is a  medical problem that a person suffers from before he or she goes into insurance.  These short term health insurance plans are specially designed to provide  protection against major health problems that a senior citizen faces.

Thus, from the above it is evident that the above short term health insurance  have been specially designed for the purpose of senior citizens and they can  avail all the benefits and the advantages of the polices that have been offered  to them with ease.

Are you looking for low cost short term health insurance? Visit http://www.short-termhealthinsurance.com today  for more information!

Article Source: http://EzineArticles.com/?expert=John_D._Edwards

 

Senior Citizen Travel Insurance: What You Need To Know by Jane Conway

April 24, 2013 by · Leave a Comment
Filed under: Articles 

Finding travel insurance can be difficult for anyone, but if you are over a  certain age, then you may discover that getting the coverage you need is even  more challenging. This article covers the basics of why finding senior citizen  travel insurance can be more difficult, and what specifics you need to look for  in your plan.

In the world of insurance, money talks. Money, and statistics. And according  to statistics, senior citizens are more likely to make insurance claims than are  younger travelers. This results in less money made and more money paid out by  the insurance companies. The result? They are reluctant to offer insurance plans  to travelers over a certain age. While some insurers cap their age limits at 65,  others may go as high as 70, 75, or even 80. Still, over a certain age, you’ll  be unable to get travel insurance with many agencies, no matter how good your  current health is. Other companies may offer coverage, but at higher costs, and  with fewer benefits.

Not only is travel insurance for seniors more difficult to find, there are  also a lot of needs and issues that you may need to think about in an insurance  plan. For example, older travelers are more likely to have preexisting  conditions that need covered. Many older travelers will also be bringing medical  equipment or medications with them. Things such as walkers, wheelchairs, or  prescription drugs, can be easily lost or stolen, and they can be difficult and  expensive to replace while you are traveling. A good senior citizen travel  insurance plan will have coverage for these things. Another thing to think about  as you are looking for your travel insurance plan is to look out for reduced  benefits. As mentioned above, it is not uncommon for insurers to offer higher  costs and less coverage to seniors. Make sure that you know the exact details of  the plan that you are purchasing,

If you are having trouble finding insurance through regular insurers, then  you may want to consider looking into specialty plans. There are a number of  companies out there that specialize in travel insurance for senior citizens. Not  only do they have no upper age limit, they also give you specific coverage that  is tailored to your needs as an older traveler. With these plans, it is much  easier and hassle-free to get coverage for your preexisting conditions or for  medical equipment. Many people also find that they have some insurance cover  through retirement organizations that they belong to. Check to find out what  coverage you already have.

The most important thing is to make sure that you have coverage when you  travel. You never know what medical problems, injuries, or disasters may happen,  and the last thing that you want is to spend your precious retirement years  burdened with financial debt.

Check out these resources if you need more information about senior citizen travel insurance, or age concern travel insurance.

Article Source: http://EzineArticles.com/?expert=Jane_Conway

 

Auto Insurance And the Senior Citizen by Hema Patel

April 17, 2013 by · Leave a Comment
Filed under: Articles 

The issue of rising premiums on auto insurance is a real concern to many  people. This is particularly true for senior citizens who are striving to live  within their means during this stage of their life. Auto insurance rates for  senior citizens is, of course, much cheaper than it would be for a young driver.  Getting this lower premium on their auto insurance has a lot to do with their  many years of driving along with their good driving history. Some seniors have  found that it is difficult for them to rely on public transportation and this  has many seniors driving around regardless of their age.

Having auto insurance is mandatory for both senior and young drivers alike.  There may be a notion that once a person becomes a senior citizen that their  insurance premiums will go up. Senior citizens actually tend to have the  advantage on premiums as compared to the younger driver. Older drivers are  actually more careful with their vehicle and less likely to be involved in  accidents. This is a proven statistic that gives them the upper hand on lower  premiums. Senior citizens that apply for auto insurance will find that their  rates will be lower if they can show a clean driving history.

Individuals that are past the age of 50 are usually included in this category  of lower premiums. Life insurance premiums will increase as you get older  however the cost of car insurance will go down. Insurance companies use many  factors that will determine the best deal for a senior citizen as each of their  needs can be different. Taking the time to shop around for the best deal and  contacting several different companies is still the best way to get the best  bargain

In this growing internet age many computer savvy senior citizens scour the  web to get their auto insurance needs met. Many seniors opt for this type of  information gathering much more than having to drive from one company to  another. Auto Insurance providers know this fact and have designed their online  presence to provide accurate rates and more importantly to present relevant  reviews on their products posted by current customers. Having all of this type  of information available on their site is a favorable option for many senior  citizens who can get what they need without going door to door.

No matter what your age is, make sure you still ask questions of your  prospective insurance company and ensure that they give you the appropriate  answers and or explanations. However if you are a senior and you need insurance  on your car, truck or other type of vehicle, you can find affordable and  dependable coverage and at lower rates. You have driven for years and you have  the age and good driving record to prove it, so do your research and you will  find the right insurance company that is looking to reward you for it.

Find out more information for your auto insurance needs at  www.auto-insurance-blog.com [http://www.auto-insurance-blog.com].

Article Source: http://EzineArticles.com/?expert=Hema_Patel

 

Why Do Senior Citizens Need Travel Insurance? by Troy Benning

April 17, 2013 by · Leave a Comment
Filed under: Articles 

There are a lot of senior citizens that love to travel and see the world, but  they don’t know how much they need to be covered while their in the air. Senior  travel insurance is really perfect for seniors who love to always travel, as  they will be protected at all times. They will be fully protected while they are  overseas. If they are in need of medical assistance or simply any kind of  assistance, their travel insurance will be there for them to solve the problem.  So basically, they don’t have to worry about anything when they’re on a  vacation. This is a very important coverage that every senior that loves to  travel needs. If you are a senior citizen that loves to travel, you have to make  sure that you are safe if ever an incident occurs.

  • What is senior travel insurance?

 

Senior travel insurance is a type of insurance coverage that will protect the  senior citizen if any incidents occur while they are overseas. The great thing  about this coverage is that you can have a peace of mind to know that no matter  what happens to you, their will be someone to help you. If you need help to find  your lost luggage, or missing travel documents, there will be special assistance  available for you anywhere around the world.

  • Why do senior citizens need travel insurance?

 

Seniors don’t have an idea of what can happen to them while they are  traveling. If you go to a foreign country, you can accidentally eat or drink  something that your body system cannot manage. If something like this does  occur, your senior travel Insurance will cover and take care of you so that you  can continue your vacation.

  • How much is the coverage for senior travel insurance?

 

The premium is based on the actual age of the senior, health status, and the  area they live in. There are rules and  restrictions, but your insurance agent  will be glad to explain to you what they are so you can avoid any delays. They  can do other different types of coverage that will be perfect for you so that  you will be able to find a coverage that meets your budget.

There are many insurance companies that may offer this type of coverage  online. However, you must make sure that you are dealing with the right company  that will provide you a coverage that is actually needed. Try not to deal with  anyone who isn’t licensed or registered with the Department of Insurance, as  they may not provide any coverage for you if you are actually in need of help.  These people only want to collect your monthly premium and will not give any  service whatsoever. Don’t let these con artists take your money, as they are  very manipulative. It is advisable to contact your nearest Department of  Insurance for more information about unlicensed solicitors. This will give you  an idea of what you should do to avoid getting ripped off.

To learn more about senior citizen travel insurance and travel insurance comparison, visit  TravelInsuranceFacts.net.

Article Source: http://EzineArticles.com/?expert=Troy_Benning

Health Insurance For Senior Citizens by Ram Mohan Susarla

April 12, 2013 by · Leave a Comment
Filed under: Articles 

If you are a senior citizen and do not have health insurance, the thought of  having to go to an emergency room in case of illness may be troubling you. You  should have planned for your retirement but if you did not include the details  of having Health Insurance after you retire, you are at the mercy of the ER and  without coverage you may even have to forego treatment. For many people in the  US, health care costs often result in bankruptcy even when they have insurance  because not all illnesses are covered by the policy. When it can happen to the  people who have insurance, it can be a nightmare for those who do not have  it.

In recent months, the issue of health insurance for senior citizens has  received extraordinary coverage and attention in the US because of President  Obama’s plan to have universal health care available to all citizens. This  measure from the Obama administration has drawn critics and supporters alike and  the battle lines are drawn in an increasingly bitter battle. The issue at stake  is whether there should be a public option that would enable the senior citizens  access to health care provided for by the government. The public option does not  guarantee free coverage but includes an option for the employers and the  government to provide for an eventuality.

Senior citizens need healthcare and they need it more than the other age  groups as they need access to quality medical assistance because of their  advancing age that makes them vulnerable to disease and disability. It is for  this reason that medical care in many countries is free for senior citizens and  they have access to the best medical facilities. Likewise, the US should also  have a health care system that provides for its senior citizens and ensures that  they get proper treatment for their various ailments.

In the context of the baby boomers retiring in large numbers and without the  proper tools for some of them to plan adequately for their retirement and health  care, there should be a comprehensive plan for access to medical coverage by the  insurance companies as well as the government. There are several insurance  companies that have special plans for senior citizens as they allow for the  coverage with all facilities provided for them. However, there are other  companies that do not encourage coverage for senior citizens on the grounds that  they are a high risk category and hence the premiums do not justify coverage.  There are some commentators who call for an old age premium to be placed on the  coverage plan so that senior citizens can get coverage at the rates provided by  the insurers, albeit with a premium.

The point that is being made here is that senior citizens better plan for  their retirement when they are in their forties and fifties so that they do not  become a burden on their children and that they retain coverage beyond  retirement and after they are well into their sixties.

Freelance Writer with over two years of experience in content development,  academic writing and business writing. Specialist in Custom Writing and SEO  development with emphasis on plagiarism free and unique content.

I am an Engineer by training and was a Project Manager before switching to  Freelancing. I can take up assignments in the areas of Project Management, IT,  Economics, Management and Book reviews. I am well versed with academic  formatting styles like APA, MLA, and Harvard etc.

I am a deadline conscious writer who provides plagiarism free and quality  content. I believe in Customer delight and go the extra bit to fulfill the order  specifications. I maintain constant contact with the customer and notify  requests for deadline extensions in advance. I avoid plagiarism by citing  sources and offering original ideas and check my output with Copyscape and other  tools. I have access to online libraries like Questia in addition to a wide  collection of books and journals relevant to the fields in which I  work.

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Senior Citizens Can See The World With Travel Insurance By W Scott

April 12, 2013 by · Leave a Comment
Filed under: Articles 

Retirement age can be the golden age of your life! Your children have grown  up and are independent. You do not have a full-time job. There is nothing  holding you back. This is the time of your life to fulfill all your dreams of  traveling the world! There is virtually nothing holding you back!

Know The Ins And Outs Of Travel Insurance

Senior citizen travel insurance is vitally important when planning any trip.  A travel insurance policy helps to protect you against unforeseen circumstances,  such as trip cancellations. There are numerous travel insurance firms that offer  great packages for senior citizens who are 65 and older. There are even policies  these days that provide for those who are 50 and above.

Senior citizen travel insurance is provided in two formats; annual travel or  single trip coverage. Annual travel is ideal for individuals who take a variety  of vacations over the course of the year. Single trip coverage is, as the name  implies, for a single travel event. Coverage details vary from company to  company. Receive quotes from several different travel insurance companies.  Compare each policy in detail to find the one that suits individual needs at an  affordable price.

Choose An All Inclusive Travel Insurance Package

Senior citizen travel insurance packages provide overall coverage for low  risk individuals. A good senior citizen travel insurance package will include  coverage for luggage theft or loss. Some packages also provide cover for medical  costs, including medical assistance or emergency services, which may be incurred  while on holiday.

Be sure to review your travel insurance policy in full. Ensure that you  understand every aspect of your travel plan. It must provide full financial  protection for any mishap that occurs while on holiday.

Look Before You Leap!

It is always wise to carefully review each portion of a senior citizen travel  insurance policy. Do not feel rushed. Do not feel intimidated or overwhelmed.  This is an entitled right when reviewing any insurance policy. A travel  insurance policy is no different. Ensure each portion of the policy pertains to  individual travel coverage needs. In the event that it does not, move on to  another insurance policy or insurance agency.

An often unmentioned fact about insurance policies is that the document is  considered a legal agreement. This means that in a court of law the terms and  conditions presented in the policy are legally binding. Obtain clarification of  anything that is not easily understood up front. Ask as many questions as  necessary until all aspects of the travel insurance policy are clear. Anything  not understood should be clarified by an insurance agent. If an agent is not  willing to do so, simply find one who will.

Senior citizen travel insurance is not intended to restrict travel  intentions. Rather, it is a sound financial decision providing protection and  peace of mind for senior citizens. With policy in hand, a senior citizen is  ready to explore the four corners of the world.

William Scott has authored a number of articles on holiday insurance. His site http://HolidayInsuranceTips.com, offers further  information on selecting the right senior citizen travel insurance  [http://www.holidayinsurancetips.com/category/senior-citizen-travel-insurance]

Article Source: http://EzineArticles.com/?expert=W_Scott

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Comparison of Health Insurance Schemes for Senior Citizens By Shankar P Nath

April 12, 2013 by · Leave a Comment
Filed under: Articles 

It is absolutely vital that as one approaches old age, one has a substantial  health insurance cover. The probability that one’s health care expenses would  increase substantially is almost a given. In this piece we look and compare the  different health insurance plans that are available in the market for senior  citizens. While every health insurance company wants to insure the young (and  almost by definition, more healthy), there are very few plans which provide  health insurance to people beyond 60. Another interesting thing to note here is  that most of the health insurance plans for senior citizens is offered by the  public sector general insurance companies.

The health insurance plans available for senior citizens are:

  1. Varistha Mediclaim by National Insurance
  2. Senior Citizen plan by Oriental Insurance
  3. Mediclaim for Senior Citizens by New India Assurance
  4. Senior Citizen Plan by United India Insurance
  5. Red Carpet Plan by Star Health Insurance

 

Varistha Mediclaim by National Insurance: This policy can be  bought by anyone between 60 and 80 years of age. Renewals can be done upto the  age of 90. Between the age bands of 76-80, premiums have an added factor of 10%  and between 80 to 90 years of age, premiums are grossed up by 20%. The sum  insured under this policy for hospitalization is Rs 1 lakh. For critical  illness, the sum insured is Rs 2 lakhs. Under the critical illness cover,  diseases such as cancer, renal failure, stroke, organ transplants etc are  covered. If the person has already been insured for 3 years through a health  insurance policy, then he or she does not have to undergo a medical test, else  there has to be a medical test under the prospective customer’s costs. For  domiciliary treatment, the maximum claim is fixed at 20% of the sum insured.  Ambulance charges upto Rs 1000 are covered under this policy. For a mediclaim  cover of Rs 1 lakh and a critical illness cover of Rs 2 lakhs, the premium  varies between Rs 6200 (for a 60-65 year old) to Rs 9200 (for a 75-80 year old).  One interesting feature of this policy is that pre existing hypertension and  diabetes are covered from the 1st year itself of the policy by paying 10%  additional premium for each of the two diseases. Pre existing is of course not  available for the critical illness policy. Other pre existing diseases are  covered after 1 policy year. Dialysis, chemotherapy and radiotherapy for  preexisting ailment is never covered. Claims are paid only for events that occur  within India. Claims which occur within the first 30 days of the commencement of  the policy will not be covered, unless in the case of the person being insured  with an Insurance Company without break for the past 12 months. For the purpose  of this policy, pre existing diseases such as cataract, piles, fistula, hernia,  benign lumps, joint replacement etc will not be covered in the first 12 months.  War related medical claims, vaccination, spectacles cost, plastic surgery,  corrective dental surgery, venereal disease, vitamins and tonics which are not  part of the treatment, nuclear disaster related health claims, alternative  treatment like homeopathy etc are excluded.

Opinion: We think it is one of the best policies for senior  citizens, except that the sum insured is low. They are quite generous as far as  the norms for entry age and pre existing diseases are concerned.

2. Senior Citizen Specified Disease Plan by Oriental  Insurance: In this plan, the policyholder has the option to choose sum  insured of Rs 1 lakh, 2 lakhs, 3 lakhs, 4 lakhs or 5 lakhs. One restrictive  feature of this policy is that 20% of any claim amount has to be co-paid by the  insured. Cashless payment through TPA is restricted to Rs 1 lakh. This plan  covers 10 specified diseases: cancer, renal failure, heart diseases, liver  related diseases, COPD (lung ailment), stroke, prostrate, orthopaedic disease,  ophthalmic disease, accidental injury and knee replacement. The amount that one  can claim for a particular disease is restricted as a percentage of the sum  insured (for e.g., 50% of the sum insured can be claimed for cancer, while 20%  of the sum insured can be claimed for stroke). A sum insured of Rs 1 lakh will  cost Rs 4500 for a 65 year old, while it will cost Rs 6400 if one is eighty  years old or beyond. While this may seem cheaper than National Insurance’s  Varistha medical scheme, it is less wide in scope. This policy has an  interesting refund of premium clause if one withdraws from the policy: if the  policyholder gets out of the policy within the first month, 75% of the premium  is returned and if he opts out between 3 to 6 months of the policy, 25% of the  premium is returned. In this policy, pre-existing diseases are not covered for a  period of 2 policy years. Other exclusions are very similar to those of  National’s Varistha medical scheme.

Opinion: a good scheme in terms of the level of sum insured  and price, but the scope of diseases covered is restrictive. Another issue is  that pre-existing is covered only after 2 policy years.

Mediclaim for Senior Citizens by New India Assurance: This  policy is available for senior citizens between 60 and 80 years, and the sum  insured can be Rs 1 lakh or Rs 1.5 lakhs. Pre existing diseases are covered  after 18 continuous months of coverage, while for diabetes and hypertension to  be covered, additional premium needs to be paid. Pre hospitalization is covered  for 30 days, while post hospitalization is covered for 60 days. An insurance of  Rs 1 lakh for a 65 year old will cost Rs 3850 while it will cost Rs 5150 for an  80 year old. Thus, premiums are very competitively priced. If one wants to  extend beyond 80 years, then loading of 10% or 20% has to be paid. For pre  existing diabetes or hypertension, an additional premium of 10% each has to be  paid. One interesting feature is that there is a 10% discount if one’s spouse is  also covered under this policy. This policy also has the same partial refund  norms on cancellation as Oriental’s Specified Disease Plan. Claims would be paid  only for medical treatment in India. The exclusion conditions are standard, and  are very similar to National’s Varistha Mediclaim.

Opinion: Attractively priced. Sum insured ceilings are low.  The product brochure is silent on co-pay, and thus there is no co-pay  requirement in all probability.

United India Insurance’s Specified Disease Plan: In this  policy, sum insured of Rs 50,000 to Rs 300,000 is available to people between 60  to 80 years of age. Sum insured of Rs 1 lakh will cost Rs 3715 for a 65 year  old, and Rs 8613 for an 80 year old. So while it is cheaper for the younger age  bands, it is a bit expensive for the older age groups. An interesting feature of  this policy is that there is a hospitalization cash payment from the 3rd day of  hospitalization on payment of a particular additional premium. While other  exclusion features of this policy are comparable to that of the previous 3  policies that we have discussed, the biggest problem of this policy is that this  has a pre-existing waiting period of 4 years.

Opinion: Pre -existing waiting period of 4 years is  restrictive

Star Health’s Red Carpet Plan: This plan has been a good  marketing success. While one barely gets to hear about the reasonably broad,  well priced schemes of the 4 nationalised companies, the market is quite excited  about Star Health’s Red Carpet scheme. The sum insured under this policy can be  for Rs 1 lakh, Rs 2 lakhs, Rs 3 lakhs, Rs 4 lakhs or Rs 5 lakhs. Age of entry is  restricted between 60 and 69 years. Pre existing diseases are covered from the  1st year itself, except for those preexisting diseases for which the insured  received payment in the preceding 12 months. Subsequently, these pre-existing  diseases are covered. There are sub limits under this policy wherein different  diseases have different limits as a percentage of the sum insured. Sum insured  of Rs 1 lakh will cost Rs 4900 at entry, while a sum insured of Rs 5 lakhs will  cost Rs 20000.. The biggest catch in this policy is that there is a 50%  co-payment for pre existing diseases and 30% co-payment for other diseases!!  Other exclusions are very similar to what is there for the nationalized  companies.

Opinion: Simple, well marketed claim. But the co-payment  terms are a huge negative! The ceiling for maximum age at entry is quite low (69  years), though the guaranteed renewal feature is a big positive. Also, the sum  insured levels of Rs 5 lakh is quite high and attractive in these days of  escalated medical costs.

In summary, we feel that National’s Varistha Plan is the widest in scope. The  only issue with the plans of the Nationalised Insurance companies is that the  sum insured levels offered might not be adequate for today’s high healthcare  costs. On the other hand, they are at least offering senior citizen health  plans. It is very difficult to locate any meaningful health insurance scheme for  senior citizens offered by any private health insurance company, except Star  Health. The only problem that we see with Star Health’s Red Carpet plan is that  of the Co-pay restriction.

Shankar Nath is the founder of http://www.PolicyTiger.com,  a leading online insurance comparison site in India. http://www.PolicyTiger.com helps user compare health  insurance, life insurance and car insurance policies in an unbiased manner so  that they can get the best price on their insurance, sometimes saving as much as  50% of the quoted price.

Article Source: http://EzineArticles.com/?expert=Shankar_P_Nath

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Nevada-Senior-Guide Laser Wellness PMA

August 10, 2012 by · Leave a Comment
Filed under: Health and Home Care, Las Vegas 

www.laserwellnesspma.com

We Believe in 3 Things…

Laser Wellness PMA believes in truly a three word motto:  Learn, Invest, Share We know that today is more important than ever for people to Learn about their health conditions, Learn about what natural options are out there, and to Learn how to think with a winning attitude towards health and life.  We believe that by Investing in your health you are taking responsibility for your health and not just relying on someone else alone.  It has been proven again and again that being an active partner in your health and wellness journey can make all the difference.  Most people have never really invested in their health before, they pay insurance, they supplement, they pay for medications, but they never really invest in their health and miss out on truly being responsible and given themselves the best quality of life possible.  We also believe in Sharing health and wellness with everyone you know.  Once you invest in LLLT, whether you are a professional or a consumer, Share it with every family member, friend, neighbor, and co-worker so they can get a glimpse of what LLLT can do for them…

Do You Believe In Health & Wellness?

 What is it that keeps our  Health in somewhat dismay?  As we age, we have been trained to think that taking medications, surgeries, pain, lack of energy, lack of mobility, memory and vision loss, are all just the way it is and “normal.”  The TRUTH is we have given up responsibility of our own health journey.  Who is Responsible for our health and our families, our Doctors? Our Government? Our Insurance Companies? FACTS are that we are living longer, but not healthier, we are living sicker, longer!  We have more disease, sickness, pain, and injury problems than ever, and we take more prescriptions and have more surgeries than ever, yet we seem to be unhealthier!  The US is near the bottom in Longevity and Life Expectancy out of all the industrialized nations on Earth!

Call for a FREE Information Packet with dvd AND for a FREE Consultation from our Specialist:  (605)791-2283 Direct

Low Level Laser Therapy Works!

Light Amplication by Stimulated (Oscillation) Emission of Radiation or “Laser” has continued to bring out new changes in just about every medical and consumer field there is.  “Why is Low Level Laser Therapy so effective and continues to show tremendous results thru research all over the world?”  The answer is simple, LLLT works at the cellular and atomic level.  It carries electrons back into the body, and it helps to Re-energize sick, injured, damaged cells and allows better permeability to take place once again…So what can LLLT do for you since it works at the cellular level? As we continue to do more research, to get more understanding of how to effectively use LLLT, we continue to understand that we have just begun to see the wonderful results that LLT can produce…LLLT and Qlaser is truly Tomorrow’s Health & Wellness Care Today….

 

 

  • Senior Industry Network Group Events

    Monthly SING Meetings are held the first Thursday of every month at our NEW location below:

    Desert Canyon - HealthSouth
    9175 W. Oquendo Rd.
    Las Vegas, NV 89148

    S.I.N.G. Agenda:
    - Coffee and bagels will be served
    - A time to show gratitude by thanking those who have sent you referrals
    - Announcements around the room
    - One minute commercials
    - Open Discussion on topics of Self Empowerment

    * When? The 1st Thursday of every month. Networking starts at: 8:00am | Meeting starts at: 8:30am

    * How Much? It’s free!