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Heartbroken surrender scared, alone for the first time in her life - bella's life is on the line today

You Can Still Get Life Insurance If You Are Sick

A lot of the insurance companies that provide traditional life protection policies often refuse to provide life protection for seniors who have pre-conditions. A serious illness poses a high risk to your life, not to mention the fact that advanced age also contributes to that increased risk. These are the main reasons an insurance company will decline your life insurance application.

Having a pre-condition does not mean you are left without life coverage at all, though. There are many insurance companies that do provide insurance for people who cannot or do not want to undergo a health exam. This type of insurance, often called no medical life insurance, does not require a medical examination for qualification; however, this feature also makes the price of this type of insurance higher, compared to a traditional life protection policy.

There are two types of life insurance policies that do not require a health exam: guaranteed issue and simplified issue. Guaranteed issue insurance plan requires no medical tests and no medical questions; that means that you are approved for this insurance automatically, but you will have to wait two years before the policy starts to work. Simplified issue insurance requires you to answer a series of questions, but there is no medical examination, and the policy provides coverage from day one.

The Bottom Line: Life Insurance Is a Reasonable Choice for Seniors

Progress in technology and healthcare are making it possible for people all over the world to live longer lives. That is why the senior population is outnumbering the population of younger people, and it is also why more life coverage alternatives have to come into play. Before these changes, one could not afford life insurance if they were older than 60 or 70 years of age. Now, it is no longer an issue - older people no longer have to worry about leaving their families with nothing but emotional and financial distress when they are gone. Life insurance is a helpful hand thanks to which you can be sure your family, children, and spouse are financially secure.

Benefits of Life Insurance for Seniors

The majority of senior residents of North America are not able to afford long-term care due to the high cost. Only a few seniors use their insurance to cover the expenses for long-term care. This is a serious issue; too many seniors are unprepared for these costs, leaving them and their families at financial risk. There is a solution: purchasing life protection can help cover all possible expenses for long-term care. There are also several other advantages of purchasing life insurance for seniors; find out about these below.

Provide Financial Support for Your Spouse

Married elderly couples are often anxious about leaving their better halves with debt after passing away, and for good reason. Funerals in countries of North America are quite expensive - they can cost as much as $5,000 or more. Not every family can afford these costs, and that is why life coverage comes as a practical solution.

Life protection policies can fully cover the expenses of the funeral and burial of one spouse, and that coverage can bring some peace of mind to the insured person. Covered by a life protection policy, the individual can be sure that his or her significant other will receive the necessary support to deal with the financial side of a funeral.

In addition, a surviving spouse can use the funds from the coverage to increase the benefits from their pension plan.

Life insurance for seniors makes it simpler to deal with the expenses of a funeral, and that means the financial pressure does not add to the already-stressful situation.

ABANDONED, SCARED, ALONE FOR THE FIRST TIME IN HER LIFE - SAVING BEAUTIFUL BELLA ...

Bred at home, she lived with her mom since she was born, until one fateful day when there was a squabble between the two and Bella found herself out on the street.


How would you feel if everything you knew was ripped away from you in the blink of an eye -abandoned, scared, alone? Then you met someone who cared about you and as the saying goes "love changed everything."

The problem is Bella's life is on the line today and only a Rescue can save her. She's just a baby :(

NOT RESERVED - BELLA WILL BE KILLED SHORTLY (if not already) AT NYCACC IN BROOKLYN, NY

We are NOT the City Shelter to where pictures were taken. FOR MORE INFO ON THIS PET please contact:
Animal Care Centers of NYC (ACC) at (212) 788-4000
Ask for information about animal ID number BELLA, ID # 41398, @ 1 Yrs. Old

Shelter contact information:
Phone number (212) 788-4000 (automated only)
Email adoption@nycacc.org
Addresses:
Brooklyn Shelter: 2336 Linden Boulevard Brooklyn, NY 11208
Trump’s new plan for health insurance and how it affects you

Much has been said about the latest in the healthcare sector. Trump Administration plan signed an executive order on health care, to cause momentum to change with the Affordable Care Act. Taking this action increases healthcare choices for millions of Americans. Having alternatives to Obamacare plans will help make things more affordable. How does that impact you?

Here are some key takeaways from the newest version of the American Health Care Act (AHCA), also referred to as Trumpcare.

Pre-existing conditions
Technically, people with pre-existing conditions may not be barred from obtaining insurance coverage under the AHCA. However, their coverage options could be seriously affected by this bill. States would be permitted to apply for waivers to exempt insurance companies from a community rating provision and allow them to charge far higher premiums for people with pre-existing conditions.

The community rating provision is a way of setting premiums and is designed to ensure risk is spread evenly across a larger pool. This means that people are charged the same rate regardless of factors like health status.

Healthcare mandate
The Trumpcare bill does away with the mandate under the ACA that requires people have health insurance or pay a fine. Under the new bill, people who go 60 days without health coverage would be penalized if they rejoin a health plan; they would face a 30 percent penalty on their insurance policy for one year.

Essential health benefits
Under the ACA, specific essential health benefits – including maternal care, prescription coverage, and mental health care -must be a part of any insurance plan. Under the new Trumpcare bill, states could apply for a waiver to exempt insurance plans from including these benefits in their plans.

To qualify, the states would need to prove they could either lower the cost of healthcare for people or increase the number of people covered by insurance. Health experts say that if this provision is enacted, costs for people in need of specific essential health benefits will likely face higher premiums because insurance companies will assume that a person who signs up for a plan with maternal care or prescription benefits will be likely to use those benefits.

Tax credit changes
Under the new bill, qualifications for tax credits to help pay for health insurance would change significantly.

While the ACA offers a scale of credits that take into account family income, cost of insurance and age, the Trumpcare plan would provide flat tax credits per individual, focused on age. The House GOP bill would provide tax credits of $2,000 to $14,000 a year for individuals who don’t get insurance coverage from an employer or the government. The credits would be based on age instead of income and would be capped for higher earners.

People who are older, are lower-income or live in areas with high insurance premiums would likely receive smaller tax credits under the new bill than they do under the ACA. Those who are younger, have higher incomes or live in areas with lower insurance premiums would likely receive more government assistance than they currently do, according to the Kaiser Family Foundation.

Older adults vs. younger adults
Under the ACA, insurance companies may charge an older person no more than three times its premium for a younger person with an identical plan. The new bill would increase the maximum allowable ratio to 5 to 1, which could significantly increase older people’s premiums for comparable plans. States would be able to set different maximum ratios.

Instability in the market makes insurers more likely to raise rates for everyone – so you can probably expect insurance premiums to take a bigger bite out of your paycheck.