Personal Liability Claim

Personal Liability Claim

A claim or complaint refers to the privilege of an individual as a prerogative. Meanwhile, this description has been erased by statements like social security or health insurance: “I made payments and the government will pay its own share,” or it says, “Give me because I deserve/ I need / I want it now “Most likely this is because there is a need, hungry children, which leads to a literal desire, we need food on our shelves, and then a right attitude: you do not want them to starve, right? We have the right only because we have the right.

There are many complaints in this country, whether they are food stamps, rent reductions or additional income, income tax credits, wage deductions or income deductions. I do not regret any of these services. I just hope that after receiving these people, work to find their independence and personal responsibility. In this way, the statement is an instrument and not a permanent crutch.

Personal responsibility means that hard work, effort, education or training paid off with monetary rewards. I can buy food for my family because I have a job for which I am committed; Always arrive early and (if necessary) overtime to meet my needs. I do not make a phone call to say that I am sick, I have a fund for rainy days and I plan my finances so that at all times I remain healthy and happy. Every time I receive a bonus for the work I do, I accept and use it to continue, instead of wasting it and thinking about how my family and I will survive until the next payment.

Personal responsibility also means that I know and appreciate these statements and use them as necessary for my personal well-being. For example, the food bank offers fresh produce once a month, so I take the opportunity. I am also volunteer to help with the meal service, and I have a clear idea of ​​winning this award. I do not judge others for this wonderful food because I know times are tough and they can come from anyone. I just hope that those who simply receive without trying to repay find a way to make their lives stronger and better by learning the repayment routine.

I know several members of my family who benefit from Medicare benefits, a clear government authorization. No matter how much they claim to have paid for the service and they deserve it, I know they have never paid the $ 100,000 required for open heart surgery. I do not deny the medical and financial support they have received, but I want these family members to do two things.

They must admit that it is a privilege and that it was partially “overdue” but not completely won. Secondly, I would like you to accept responsibility for making certain lifestyle changes related to the operation, for example, stress in life, exercise, diet, reduction of intensity, and follow-up of the postoperative instructions. This only makes sense to me and can help postpone your return to the hospital for treatment.

Medicare Benefit Plans May Seem Better Than They Really Are

Medicare Benefit Plans May Seem Better Than They Really Are

People 65 years of age and older, in many cases, are automatically included in Medicare. The Medicare social security program offers basic Medicare insurance for the elderly. Medicare, however, has many gaps in what it provides and really pays. To request additional medical services, such as home care services or controlled medications, additional Medicare plans can be included to guarantee the uninsured costs of a basic Medicare plan. Another way that the elderly can take and that private insurance companies do not like very much is the purchase of a Medicare Advantage plan that in many situations reveals a bad idea.

Advantage plans of Medicare are health plan options provided by private firms with approval from Medicare. They offer all the benefits of Medicare Part A & B. It seems very easy when it comes to providing a complete safety net for medical coverage. However, they have several disadvantages that can not be highlighted on the surface. Unlike the Medicare Supplement Plan, which can be adopted to guarantee certain requirements, the Medicare Insurance Insurance Plan is not insured, a Medicare Advantage plan offers the same functionality as the original Medicare solution, with additional resources. The challenge with Medicare Advantage plans is that they offer some of the benefits that the original Medicare insurance covers differently.

An example of how a Medicare Advantage plan could guarantee a person may look like this: a lower rate of medical examination that could bring a reduction in the insurance of qualified health centers. The general picture that a Medicare Advantage plan gives to its target audience is that it is too beautiful to be true, because it really is.

Private insurance firms are making huge profit margins by selling Advantage plans of Medicare and these plans are imposed by insurance agents on the elderly in the hope of making more money. It is not every insurance broker that is honest; every aspect of life has its own fair share of rotten eggs. Meanwhile, there are many reports from insurance brokers that encourage their customers to sign up for Advantage plans of Medicare with the expectation of obtaining additional coverage.

The general lack of coverage provided by Medicare Advantage does not mean that the elderly do not have the opportunity to receive external support. A Medicare supplement plan permits senior citizens to select the plan that meets their medical requirements, such as: nursing care or prescribed medications, to save resources instead of wasting them. Another good thing about other Medicare policies is that they can be compared and bought to the best fee. For the elderly, it is particularly important to search and compare plan options to ensure that every penny spent is a wise decision.

If you have a pre-existing medical condition, you will be more likely to get low-cost insurance if you register during the open period, for example, if you have reached 65 years of age. During the open enrollment period, the cost of Medicare Supplement Insurance will not increase as a result of your medical history. In addition, it is common knowledge that MA or Medicare Advantage policies accept all previously existing conditions, in addition to kidney failure.

Ways Travelling Can Help Older Adults Fight Depression

Ways Travelling Can Help Older Adults Fight Depression

Depression is one of the most common problems that older adults experience. As we all know that travelling cannot cure depression, it is worth noting that it is usually one of the best ways to help anyone fight against depression. For this reason, we encourage all elderly individuals to travel the world and get the opportunity to breathe the fresh air. Here are some of the ways in which travelling may help you fight against depression.

  1. Nature therapy

Various studies suggest that there is a clear connection between man’s proximity to nature and depression. The brain is set up in a manner that it usually finds immeasurable calm in the mountains, by a riverside, in dense forests, or in a meadow that if filled with flowers. When you travel, you get to see mountains, rivers, zoos, and so on. This means that you go closer to nature tan when you are just at home. When you get close to nature, your brain will find indefinite calm and depression will actually take a leave provided you allow yourself to linger there. Therefore, travelling to spend time in nature can be a great way to fight against depression.

  • Meet new people

Depression is directly linked to loneliness. Older adults tend to live in isolation and feel lonely most of them time. This is the main reason depression is common among senior citizens so get enrolled in 2020 Medicare Supplement Plans to help be healthy. Travelling gives you a chance to meet new people, make new friends, and have healthy discussions and jokes. Right from the time you get into a taxi to the airport, you meet the driver before meeting airport staff, hotel staff, and fellow travelers and so on. Everybody you meet will definitely have a great story to share with you, and this will help in distracting your mind as it indulges in the experiences of other people. This distraction can put your mind to relative peace for at least some time.

  • Helps you stay active and have a good night’s sleep

When you travel to a foreign land, you will definitely want to visit tourist sites, interact with the locals, and enjoy everything that you don’t normally find at your place. This makes you active because you will have a chance to walk more, ride more, talk more, and spend a lot of your time moving around. This not only helps you stay occupied and happy most of the times, but also gets you exhausted at the end of the day, which will help you fall asleep quickly at night. After a day full of activities, you will long to rest and have a good night’s sleep. This will help you feel good and depression will definitely take leave of you.

Common Road Trip Mistakes Seniors Should Avoid

Common Road Trip Mistakes Seniors Should Avoid

In more often than not, we focus more on what we should do when we travel and forget to research on what we should not do. Just like many older adults out there, you might not have plenty of experience when it comes to travelling especially by road. There are a lot of travel mistakes that travelers usually make. Such mistakes can lead to time wastage, wasted money, and missed opportunities. Most of the old conventional road trip wisdoms that you used to know when you were still a teenager or during your young adult years no longer apply in this increasingly connecting and digital world. To enjoy a road trip in the best way possible, you should avoid the following road trip mistakes that tend to be very common among travelers.

  1. Eating near major tourism sites

Eating near any major attraction is typically very expensive. In fact, the food is usually twice the normal price if not more. Granted, you may not be on budget. But why do you have to spend a lot of money for no reason? Besides the high cost, restaurants near major tourism attractions don’t care much about quality because they know very well that tourists are not going to come back. Again, tourists don’t know how quality local food should taste or look like. So, eating at such restaurant would mean that you are spending a lot of money on low quality foods.

  • Over-planning a trip

Most senior travelers over-pan their trips when on a road trip. Instead of having over-ambitious plans, just get 2020 Medicare Supplement Rates, but interesting activities that you can enjoy without having to worry about time. You should also leave some time allowance for any spontaneous or unexpected fun that you might come across.

  • Under-budgeting for the trip

Yes, you might be living or reduced and fixed income, and you this might have taught you to find ways to spend as little money as possible. However, you should avoid under-budgeting for your trip if you really want to enjoy it. We are not saying that you should spend a lot of money. We simply mean that you should have some extra money for every activity. For instance, the cost of gas may vary as you travel across various regions. In other words, be sure to have extra cash for any unexpected road trip expense.

  • Failure to bring entertainment

Of course, there are so many things to enjoy as you travel by road. However, you should not fail to bring entertainment with you just in case you get bored or you miss your favorite music.

Travelling Tips For Older Adults With Pets

Travelling Tips For Older Adults With Pets

You are retired, and you are now living your dream. You have successfully raised and educated your children, you reached the peak of your career, and now, you are packing up your four-legged friend to see the world. This post is actually dedicated to spunky elderly individuals like you who would not want to leave their pet behind as they travel. The following tips will help make travelling easier with your pet.

  • Secure your pet while driving

Allowing your pet to climb into your chest or lap as you drive can be very dangerous for both of you. There are a range of options that can keep your pet safe. Some of the options include crates, carriers, and seat belt harnesses can greatly keep your four-legged family member safe in case of an accident.

  • Do a thorough research

Do a research and find out more about your travel destination. Use the internet to search for pet friendly campgrounds restaurants, hotels, dog parks and beaches. Note that not all restaurants allow their customers to come with pets. A thorough research will help you find pet friendly restaurants and cafes where you will be able to enjoy a meal or snacks together with your pet.

  • Pack pet’s medications separately

When you are traveling with your pet, don’t forget to carry any medication that your pet is using. Again, avoid packing both our medications and pet’s medications at one place in a suitcase because you might easily confuse the bottles. To avoid any possible confusion and to make your work easier, clearly mark the bottles so that you don’t confuse between your pet’s medications and yours.

  • Plan for pet care

Not all places you would want to visit during your vacation are pet friendly. During your vocation, you might want to attend a concert or take a guided tour which is not pet friendly. In such cases, you will definitely need someone to take care of your pet while you are away. You can contact your hotel to recommend for you some of the best available pet care or pet sitter facilities that are nearby.

  • Don’t over-extend

It can be tempting to schedule a lot of activities especially if you are traveling to a destination with sites and activities that you have always longed to see and engage in. However, doing so can cause stress to your pet especially if the weather or surrounding is not friendly.

3 Best Ways Seniors Can Save Money On The Road

3 Best Ways Seniors Can Save Money On The Road

When you hit 65 year, traveling and going on road trips becomes one of the most enjoyable things to do. After all, you have all the time in the world and things like tight schedules can no longer stand on your way. Road trips are generally less expensive as compared to flying. There are still several ways to save money on the road as you travel to your favorite destinations. Getting a 2020 Medicare advantage comparison is simple with info at

The more money you save on your trip the more money you have to spend on your vacation. And everyone, especially older adults, usually want to save money because most of them live on reduced income. If you are an elderly person and you are looking for ways to save some money as you travel by road, then this post is for you. Here are some most effective ways to do just that.

  1. Prepare and pack enough food and snacks

Irrespective of where you are travelling to, food is always expensive, and you can end up spending a lot of money on it while on the road. Instead of visiting fast food chains where you will spend a lot of money on greasy or junk food, prepare and pack a lot of your favorite food when leaving your home. You should also be sure to pack enough snacks so that you can have something to bite between meals. It’s advisable that you bring a cooler with you. Stock the cooler with fruits and vegetables, drinks and sandwiches. Packing food, drinks and snacks will also save you time because you won’t have to make several stops to buy them.

  • Maximize on your gas

Even though it sounds like an annoyance, hovering around 60mph, or deciding to go the speed limit, will ensure that your car uses the gas efficiently throughout the trip duration. In case you have a car that has got cruise control, then you should use it throughout the period of travel to always stay on track. Be sure to recharge at stations that do not charge you extra for credit card.

  • Pack at low-priced parking spots

Parking is one expense that most seniors tend to forget when travelling especially to major towns and cities. Unfortunately, parking can cost you a lot of money per day. To save money while you travel, scout out various parking spots before you even get there and find out the best garages where you can park your car without having to pay a lot of money.

3 Things Not To Do After Retirement

3 Things Not To Do After Retirement

Retirement is one of the major lifestyle changes of lifestyle for any human being. Just like other massive life changes, retirement is the best time to reflect and redefine who you actually are. For you to enjoy your retirement years to the fullest, you should explore the best things to do and what not to do. To avoid pitfalls, you should know what not to do. Today, we have focused on the things you should not do when you retire.

  • Blowing your savings

Most elderly individuals who have retired are enrolled in 2019 medicare advantage plans living on reduced, fixed income. In most cases, the fixed income is usually significantly less than what they used to earn before retirement. With plenty of time and nothing much to do, you can easily find yourself spending a lot of money as if you are on vacation. Financial planning and budgeting are very essential. As you enjoy your golden years, avoid dipping into your savings unless for necessities. You should always avoid impulse buying and don’t buy what you don’t need.

  • Expecting relationships to remain the same

Another thing you should not do is to expect relationships to just remain unchanged after you have retired.  Families are usually interdependent, and the fact that you have retired is probably going to influence not only your children, but also your grandchildren. Just like you, your adult children too might unrealistic expectations about how you should relate after your retirement. For instance, one of the possibilities is a role reversal. Your grown children may be expecting to fully take care of you. This can also make them feel that you should do what they tell you. You may also expect to get companionship and support from your children but they might not be able or willing to offer that. So, don’t have huge expectations especially from your children.

  • Allowing loneliness to creep in

Yes, retirement can sometimes be socially isolating. Your children may also not be there to provide companionship. You might also be single, separated, divorced, or widowed. If you are not careful, you might start missing how you used to socially interact with colleagues at workplace.  Before you know it, loneliness can creep in and this might set the stage for depression. To keep loneliness at bay, you can start making new friends and build up a great social network of people from all works of life especially your fellow retirees.

Top Secret Airport Tips Senior Travelers Always Wish They Knew Earlier

Top Secret Airport Tips Senior Travelers Always Wish They Knew Earlier

There is no denying that retirement and old age means more time for doing things like traveling. Unfortunately, flying usually seems to become more difficult with age. Here are some airports secrets that can help seniors fly hassle-free and enjoy their time at the airport and in the plane.

  1. Senior fares

Many airports do offer discount fares for senior travelers. This is one secret that most seniors don’t know because the discounts are rarely advertised. Now that you know this secret, you should make sure that you ask about it during your next travel. Senior fares not only save cash, but they may also come with better ticket flexibility. Be sure to contact your airline and ask whether they are offering any travel discount for seniors and to your destination.

  • Travel safe and smart

There are so many unexpected things that might go wrong at airports. For this reason, it is very important that you take all the precautions for a great experience. For instance, to avoid any unseen happening at airports, book a non-stop flight. This will help escape the tiring procedures at various airports. If you are on medications, be sure to carry extra medications just in case of unexpected delays. You should also keep a full list of emergency contacts just in case you need them. Last but not least, wear comfortable clothes and shoes, and stay hydrated by drinking a lot of water.

  • Enjoy the airport lounge experience without breaking the bank

Most senior travelers think that the only way to get the airport lounge experience is to pay first-class prices. But this is not always the case. The secret is that you can just pay for the airport lounge and enjoy the lounge experience without having first-class air ticket. At the lounge, you will get fresh coffer, free food, comfortable seating, drinks, magazines, newspapers, and clean bathrooms.

  • Call the concierge

As an older adult, you might need 2019 Medicare Supplement Plans found at to cover you while traveling. The secret most seniors don’t know is that there are several concierge services that can be very helpful in this regard. In case you want someone to accompany you as you go through the airport procedures, simply call the concierge. Concierge services typically include collecting your luggage on arrival, checking-in your luggage, and haling a taxi as you leave the airport.

  • Get a wheelchair

Generally, airports are places with a lot of procedures and someone of your age might not have the stamina to stand on long queues. There are always wheelchairs and they are free. Take yourself a wheelchair and roll your way through checkpoints and to the gate.

Reasons Why Senior Travelers Should Have Travel Insurance

Reasons Why Senior Travelers Should Have Travel Insurance

Everyone should have travel insurance irrespective of their age. However, it is really essential for older travelers to have insurance coverage when they are travelling. This is because the older get the higher your risk of getting injured or becoming ill increases. Without much ado, here are some of the reasons why travel insurance is important for senior travelers.

  1. Getting help abroad

You never know when you will experience health issues or any kind of trouble and it might happen when you have travelled overseas. As mentioned before, aging is associated with higher risk of illness and injury. It is therefore very important that you have a travel insurance cover. With the right insurance cover, your insurer will ensure that you receive quality health care in case you are involved in an accident or if you fall ill while travelling overseas. With a travel insurance cover, you will be moved to the best medical facility or back home if needed.

  • You get protection from medical expenses

In case you require medical service while travelling, get 2019 medicare advantage plans you will not be responsible for the cost of your medical treatment because your insurance cover will cater for the cost. But without travel insurance cover, you will be the one to cater for the medical cost and this might be very expensive and can significantly leave a dent in your bank account. Furthermore, medical treatment especially for visitors tends to be very expensive. However, you will have nothing to worry about if you have a travel insurance cover.

  • You will be reimbursed for your expenses and losses

In the event that your luggage is damaged or gets lost overseas while you travel, you will have the full responsibility of replacing your lost items. This is not the case when you have travel insurance cover. With the right travel insurance cover, your insurer will reimburse you for your expenses and losses. This simply means that you will not lose your money due to thieves’ wrongdoings, or hotel or airline blunder.

  • It may cover disruptions
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When you travel, so many things might go wrong and most of them are usually out of your control. For instance, there might be an emergency back home and you might cut short your trip and come back home. There could also be flight delays. If you don’t have travel insurance cover, such disruptions can cost you a lot of money because you will be forced to pay for new tickets and bookings, and you will also lose the money that you have already paid for the trip. With the right travel insurance package, you will be covered for the incidences that are beyond your control. This means that you will not spend your own money in case anything goes wrong.

When you travel, so many things might go wrong and most of them are usually out of your control. For instance, there might be an emergency back home and you might cut short your trip and come back home. There could also be flight delays. If you don’t have travel insurance cover, such disruptions can cost you a lot of money because you will be forced to pay for new tickets and bookings, and you will also lose the money that you have already paid for the trip. With the right travel insurance package, you will be covered for the incidences that are beyond your control. This means that you will not spend your own money in case anything goes wrong.