Do NOT File a Home Insurance ClaimWritten by Stephen Bucaro
---------------------------------------------------------- Permission is granted for below article to forward, reprint, distribute, use for ezine, newsletter, website, offer as free bonus or part of a product for sale as long as no changes are made and byline, copyright, and resource box below is included. ---------------------------------------------------------- Do NOT File a Home Insurance ClaimBy Stephen Bucaro You can PAY for home insurance, but don't try to actually USE your home insurance or you may be blacklisted by insurance companies. The home insurance companies only want to TAKE in money, not PAY OUT any money. On Jan. 2, 2003 CBS Evening News exposed a scheme by home insurance companies to blacklist customers who file claims. According to CBS Evening News report, insurance industry uses a secret system called CLUE (Comprehensive Loss Underwriting Exchange) to blacklist customers who actually try to use their insurance. The system was originally set up to help companies detect fraud, But now it's being used in a scheme to blacklist customers who use their home insurance. Several home insurance companies say they are blacklisting customers who file claims because "claim losses outweigh premiums". But consumer advocates say a look at companies financial records shows they are in financial trouble because of big Enron and Worldcom stock market losses.
| | What is Long Term Care?Written by Harold Parsons, www.LTC-Usa.com
As we grow older, our needs and ability to take care of everything in our lives changes. Aging is a natural process which will affect us all and, although most people plan for their retirement, they fail to plan beyond that point. Long Term Care refers to a wide variety of medical care, personal assistance and social support that may be needed later in life. Long Term Care can also be received for shorter periods of time during an extended recovery period following an illness or accident.Basically, long term care provides care for a person when they cannot care for themselves - either for a brief period of time or indefinitely. Long Term Care is most often associated with words "Nursing Home", however, that is not always true. There are several different options for care, such as: Home Health Care, Adult Day Services, Assisted Living Facilities and Nursing Facilities.
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