Puzzled by Your Insurance Coverage? Let's OverHall the Pieces!

Written by Janet L. Hall


Continued from page 1

4. Should you get or be concerned about Long-Term Health Care? Depends on your family history and your finances. It is suggested that you should start thinking about this type of insurance when you are in your 40's. However,repparttar premiums are lowerrepparttar 115772 younger you are. Also, check with your accountant about this type of insurance asrepparttar 115773 premium cost * could be a possible * deduction on your Federal Tax Form.

5. What about Disability Insurance? This is also know as Income Replacement Insurance if you should become disabled (NOTrepparttar 115774 same as Worker's Compensation if you get injured onrepparttar 115775 job).

6. Should I get a Medical IRA?

7. Are there any Federal Laws concerning Health Insurance? Yes! Let me list but two:

a. Employers with 25 or more workers are required to offer employeesrepparttar 115776 chance to enroll in an HMO.

b. COBRA (Consolidated Omnibus Budget Reconciliation Act of 1985) requires if repparttar 115777 business you work for has 20 or more employees and you leave your job or are laid off that you can continue to get health coverage for at least 18 months. http://www.ahcpr.gov

If you don’t have insurance, find out if you qualify for any state or government run plans or do some research to find out what type of insurance you need and can purchase.

The best site onrepparttar 115778 internet I found while researching health insurance is byrepparttar 115779 Agency for Healthcare Research and Quality (formerly know asrepparttar 115780 Agency for Health Care Policy and Research). On their site you can find a 14 page article, * Checkup on Health Care Insurance Choices * that includes a checklist and a worksheet for you to use. Click on http://www.ahcpr.gov/consumer/insuranc.htm

They also have a very informative article, * Choosing and Using a Health Plan * at http://www.ahcpr.gov/consumer/hlthpln1.htm As you can see, there are a lot of pieces torepparttar 115781 insurance puzzle. Now it's up to you to takerepparttar 115782 time, makerepparttar 115783 time, to find allrepparttar 115784 pieces you and your family need to complete this * crazy * puzzle!

The Organizing Wizard, Janet L. Hall, is a Professional Organizer, Speaker, and Author of 'Secrets of a Professional Organizer and How-To Become One.' She isrepparttar 115785 owner of OverHall Consulting and Organizing By Phone. Subscribe to her FREE organizing newsletter at http://www.overhall.com/newsletter.htm or visit her web site at http://www.overhall.com

Copyright ( c ) 1999, 2000, 2001 by OverHall Consulting P.O. Box 263, Port Republic, MD 20676 All Rights Reserved. Permission is granted to reproduce, copy, or distribute so long as this copyright notice and full information about contactingrepparttar 115786 author is attached.



The Organizing Wizard, Janet L. Hall, is a Professional Organizer, Speaker, and Author of 'Secrets of a Professional Organizer and How-To Become One.' She is the owner of OverHall Consulting and Organizing By Phone. Subscribe to her FREE organizing newsletter at http://www.overhall.com/newsletter.htm or visit her web site at http://www.overhall.com


-Healthy Questions to Help Make you Healthy…

Written by Janet L. Hall


Continued from page 1

(The above list was compiled from *Family Circle*- Your Personal Planner, Wellness Guide, Vol. 25, No. 15) If you are 74 +, please check with your doctor for their recommendations of frequency.

Some other vaccinations that you might need to add to your list are: ~~Pneumonia shot at age 60 and again at 67 ~~Hepatitis B for those of you that are health workers or living with a carrier ~~Hepatitis A if you plan to visit Third World countries ~~Cholera, Typhoid Fever, Yellow Fever, and other diseases endemic to areas where you plan to travel ~~Lyme Disease if you live, work or vacation in high-risk areas or are exposed to ticks for any length of time. (The highest-risk states inrepparttar US are those inrepparttar 115771 northeast, plus Minnesota and Wisconsin)

If you have children or grandchildren, please make sure that they are getting their necessary and required shots.

Call your doctor, dentist, vision and hearing doctors today and set up your appointments for yourself (and any loved ones) forrepparttar 115772 year.

Schedule a date with a nutritionist and make sure you are eating properly and gettingrepparttar 115773 proper amount of vitamin supplements. Nutritionist in my area charge about $60 forrepparttar 115774 first visit. It was money well spent and an amazing experience.

Talk with your doctor about exercise and what type is best for you. It might be as simple as taking a daily walk.

If you're a business or SOHO owner, you MUST be healthy to meetrepparttar 115775 demands that confront you on a daily basis.

OverHalling your problem areas might be harder for you if you are already tired, dragging your feet, achy, sore and don't know what's wrong. OverHalling is not easy! It will take time, commitment, energy, and strength.

Don't let getting healthy become a resolution that you break or a goal that you never accomplish. Make it a *Goal-Resolve*!

Smiles, not Piles, Janet L. Hall

The Organizing Wizard, Janet L. Hall, is a Professional Organizer, Speaker, and Author of 'Secrets of a Professional Organizer and How-To Become One.' She isrepparttar 115776 owner of OverHall Consulting and Organizing By Phone. Subscribe to her FREE organizing newsletter at http://www.overhall.com/newsletter.htm or visit her web site at http://www.overhall.com

Copyright Ó 1999, 2000, 2001 by OverHall Consulting P.O. Box 263, Port Republic, MD 20676 All Rights Reserved. Permission is granted to reproduce, copy, or distribute so long as this copyright notice and full information about contactingrepparttar 115777 author is attached.



The Organizing Wizard, Janet L. Hall, is a Professional Organizer, Speaker, and Author of 'Secrets of a Professional Organizer and How-To Become One.' She is the owner of OverHall Consulting and Organizing By Phone. Subscribe to her FREE organizing newsletter at http://www.overhall.com/newsletter.htm or visit her web site at http://www.overhall.com


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