Disability insurance law

Disability Insurance Law Center: Find attorneys handling Long Term Disability Bad Faith Denial Lawsuits.

So, what is Judge Sotomayor's perspective on disability insurance issues? ... number of decisions regarding disability insurance law, both when on the District Court ...

Disability Insurance Lawyers Are Passionate About Helping Injured Workers In Obtaining Their Disability Insurance Benefits That They Have Earned.

I have been out of work due to an injury for 3 wks, dr says 3 more wks, I figured I was out on short term disability or a medical leave of absence. Therefore my employer must maintain my medical insurance, I read it in the law, but my question is am I automaticly on FMLA or is there something I have to do to get it? The reason Iam asking is my employer knows I want to be on it, but on my short term disability claim form he wrote in (not requested). Now like I said he knows that I THINK Im already on it, because he was trying to say I only qualify for 1 more week of FMLA Because I have already been out 3 wks and in January and Febuary last year I was out for surgery. He seems to think he is responsible for 12 weeks in a 14 mth peroid not true it is 12 weeks in a 12 month period. So I know I qualify, my question is how do I get it or is it automatic? Trying to post in Law and Legal

My child has a permanent disability and is covered under a personal health insurance plan that I purchased before she was born. It provides excellent coverage and cannot be canceled unless I fail to pay the premiums or the company pulls completely out of my state. It has paid claims beautifully and even bought her a Wii Fit because her physical therapist letter of recommendation confirmed that the kids will use the Wii Fit much better than they will climb the "stairs to nowhere", or any other conventional form of PT. I can confirm my child prefers the Wii Fit "a thousand times more than the old therapies". Also, her multiple surgeries have been completely paid without a hitch and her orthopedic surgeon said he really likes my company's reimbursement policies. He commented that the Medicaid patients pay him very slowly and at a much lower rate and requires far, far more documentation. In the event ObamaCare becomes the law of the land, how can supporters assure me that they will not affect private insurance companies ability to survive in under the Senate plan that may be passed under simple majority or "deem as passed"? Would the government run health care we will receive 4 or 5 years after the taxes begin likely pay her claims as well as our current personal health insurance plan? Carole, I have read highlights of the Senate plan that Nancy Pelosi wants to pass under "deem as passed" without the Constitutionally required vote of both Houses and found it infinitely more complicated and difficult to understand than my 24 page private insurance policy. Nina, I have read the one paragraph in my policy that outlines the three reasons they are able to drop her. Again, the only way they will drop her is if I fail to pay the premiums, she exceeds the $5 million lifetime benefit, or if UHC completely withdraws from my state. They will not summarily drop her for any other reason. We have confirmed this with a lawyer.

My father, 51, had been an hourly worker in a machine shop of for 21 years and four months. On a Christmas holiday, he suffered a severe heart attack and was hospitalized for three weeks. At his release, his doctor said he was to rest at home for a couple of months. After his recuperation period, his doctor, along with his company’s physicians, was to decide whether or not my father should retired for disability reasons. They never got the opportunity to make this decision; in February, my father died of a second heart attack. He left my mother, four sons, two daughters and two-daughters in-law. His wife, my mother, still had four children at home. As part of my father's estate, my mother received the normal group insurance payments, the balance of his savings plan account, and the other benefits due her. However, my mother did not receive a pension from the company as a survivor of an eligible employee. When my mother and the company representatives had discussed the settlement, my mother had inquired about my father's pension and about my mother's right to receive it. The human resource department had stated that since contributions to this fund were made only by the company, no survivor’s benefits were provided. 1.What do you think my mother should do at this point? 2.What does the Employment Retirement Income Security Act of 1974 have to say about this issue?

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Interstate Highway System Almost all of our Labor Laws (and All Child Labor laws) The Marshall Plan Environmental Laws Freedom of Information Act Workplace safety laws Social Security The Space Program Securities Act of 1933 & Most banking Regulations The Peace Corps Volunteers in Service to America (VISTA) The Civil rights movement Fight against Nazis, Fascism and Totalitarianism Wilson, FDR ,Truman, Eisenhower, Kennedy. All liberals The Development and Deployment for the Internet (DARPA/HPCA) The Tennessee Valley project Women's right to vote Universal Public Education National Weather Service National Science Foundation/Basic Scientific Research Product Labeling/Truth in Advertising Laws Public Health Service and CDC Morrill Land Grant Act (land for State public Universities) Rural Electrification Public Universities Bank Deposit Insurance Earned Income Tax Credit Family and Medical Leave Act Consumer Product Safety Commission Public Broadcasting Hoover Dam Pell Grants Americans With Disabilities Act State Children's Health Insurance Program (SCHIP) And before you say these were liberal achievments you approve of from the past and that you just don't like TODAY'S Liberalism I'll point out to you that it's the SAME ideology. You conservatives are fighting against us now just like you were in many of the achievments mentioned above. You might want to remember that before you go on another hateful ignorant tirade about how liberalism has never been of any value to our country.

no they are real grants that can get money6 to help disability people as I need 1500 to get straighten out fix my vehichle get cought up on bills light bill phone bill insurance and got good credit but am at point that they cannot loan me any money due to me have to have a certain p-ercentage left before they can loan you the money please4 somebody help me I even can pay the 125 month till the 1500 is payed and the interest to but the laws will not mlet them loan over so much percentage of your check i draw 708 month my vehichle has tore up and it cost 1200 to fix it and in real trouble if donr figure out what to do ,fast I lose everthoing without be able fix it and lose all my credit if cant get fixed and then lose my ability to get a loan no family to help nobody turn to thought hope so bad some body no what i doi to get it cant make it over weekkk longer before loss the vehichle and then lose my credit ability to borrow money and only ndraw 708 month and if lose that have no way to0 even pay any bills my rent gas bill light bill grocried noway to get to dr no mway to do nothoing so pleaese mean more than words could say i ned some help so bad.

I asked this earlier, and really got no good advice. So I will make the story shorter. Long story short, my MIL is getting married in less than a month to a guy she just met in November. My husband has met him, guy is a jerk, won't work, and just dumped my mother in law during the entire month of December to be with his 2nd ex-wife. My MIL is completely desperate to have a man in her life, and almost did this 2 years ago (with another guy). Luckily, the guy left her for another woman and it didn't happen. It seems these men use her to make their ex-wives jealous, and she can't see that. How can my husband talk to her about it? He doens't want to tell her what to do, and isn't judging her...there is just alot of stuff she won't ask men that is important to a marriage. She says things like what kind of debt, if any, the guy has, life insurance, where they will live, what his kids are like (he has 6 grown children and 14 great-grandchildren) are none of her business...?? We've been asking her questions that you typically ask someone close to you getting married, and she has no idea. All she knows is that he's been married 2x, that he's on disability, and goes to the same church as her. This has barely a 25% chance of this working, and she already is pressed for money. I'd just hate to see her marry this guy out of desperation, get used, and then have to pay money for a divorce and whatever else my happen during the marriage. My sister in law has already tried to talk to her, but she says that her kids just don't want her to be happy and that she deserves this. She's hasn't been a bad mother to my husband and sis-in-law, but she certainly hasn't been the greatest. Ever since she divorced their dad, she will "abandon" them as in not returning their calls, never coming to visit, going on long trips with the guys, etc. and ignoring her kids. Their dad died last year, and I think that they are hurt by their only real family. Should we just not say anything, perhaps let her marry the guy and learn her lesson the hard way, or should he sit down and say hey, I really think you should get to know this guy better...what's the rush? I'd really like some advice from someone who has perhaps experienced this. And, before you say it's none of my business, it is when it comes to holidays and family events, and my husband and his sister are devastated because his mom won't come around when she's with a guy. And, to be quite honest, he has a career and I'm in a professional school, and I'm not inviting random guys to holidays at my (most likely very nice) house someday to avoid making her mad. I mean, this is the kind of stuff that makes shows like forensic files, etc. Garnet, your answer really isn't answering the question as to how we should VOICE our opinion. She allowed my husbands father to beat both children, broke bones and all for their entire lives, because she is selfish and didn't want to "not have a man". When he started bringing other women to their house...then she had no other choice. Anyway, she is all they have, and after their crappy life of being put thru being around one horrible man, she continues to do so and it hurts them...because like I said...she is their mother and although she has given them a crappy life, she is the only family they have. And no, I never ignored my parents advice. I heeded it. Obviously you are a bitter old lady just like my MIL. We are trying to help and trying to find the best way to go about it....that's all. NOT tell her what to do.

My daughter in law works for a company that is being sold out to another company. She is 8 months pregnant and just found out this is to take place next week. She has been paying extra for several years for a short term disability coverage that would cover maternity leave. The company is planning on laying all the employees off, then the new company is going to offer to rehire with a pay cut. The new company is keeping the same insurance, but will this effect her maternity pay? Should she go ahead and go on her maternity leave early to claim her benefits?

If you work for a company and have paid for short term disability insurance for several years and have found out that your company is getting ready to change owners , They plan to lay off all the employees and then offer to rehire. Will the insurance still be in effect? This is my daughter in law, she is 8 months pregnant and has worked for this company for 10 years. What will be her best choice to do, she is thinking about getting the doctor to put her out of work now and start drawing her disability, What should she do?

My brother's wife was diagnosed with ADHD as a child and still shows just about every symptom of it but doesn't take medicine for it because she thinks she's just fine. She yells at her youngest child on a daily, almost hourly basis when she's at home. Both children are autistic just fyi. And every time she gets mad, she threatens to take the kids, leave and never know where they are if my brother doesn't do what she says. *even though we've told my brother over and over that if she done that, it would be kidnapping so she couldn't really threaten that without getting in trouble with the law*. And she gets mad over the smallest little things too. The oldest child (7 years old) stays at his great-grandparents and the mother hardly ever sees him, and when she does, she just takes him off shopping and does whatever with him & he comes back a totally different kid. Very hyper and doesn't want to do as he is told (and he can). She takes the youngest (5 years old) out on occasion with her late at night to a friends house and doesn't come home until at least 11pm (and the kid has school in the mornings). So late to where the kid gets in the bed late and they keep him out of school because he doesn't get enough sleep. And don't even get me started about their financial situation...They get 2 SS disability checks for the kids...my grandparents (who takes care of the oldest child) doesn't get but maybe $100, if they're lucky, out of the $700 check every month and he doesn't even live with his brother and parents. The $1300 or so that's left ($500 goes on bills so it's really $800 left after the bills) is gone by the time the end of the 1st week in the month comes around and she has to beg her parents for money for food b/c she wastes the food stamp money on junk and they maybe have food for 2 weeks out of the month (and they get plenty of food stamp money for the whole family). She works a part time job too, she makes about $150 a week. With a house paid for, cars paid for, only gotta pay for the basics like water, car insurance, heat & power, she ends up broke and we don't know where the money goes. Is this really neglect on the youngest child? or on the oldest child too? This has to be emotionally traumatizing to the little one hearing all of the cussing and fighting all the time & him getting yelled at all the time. He can't talk so he can't really tell us how he feels. How could I prove the mother and/or father unfit to where the kids would be put somewhere where I know they will be emotionally and physically safe? It's safe to say that my brother's wife is a total nutjob and doesn't want to accept responsibilities as a parent and just wants to do what she wants to spite what anyone else, especially her kids, wants. They are being investigated as we speak, and they have only been required to have psych evaluations and drug testing...and probably some parenting classes. She doesn't take the meds because she hasn't been prescribed any recently so there is the proof right there. And thanks for the advice, I'm going to start writing down the things she does so the next time I see the Social Services lady, I can show her the things that this mother has done so she can have some clue with what she's dealing with and how to go about dealing with it.

My father-in-law lives with us and has bad neovascular glaucoma (our main concern) among other health problems. We have exhausted ourselves trying to find him any health insurance. A)Since he has been to the doctors for his glaucoma it is now considered a "pre existing condition" and all insurances we've found won't cover it. B)The insurance's we HAVE found are about $450/month with $3K deductible, $650/month for $1K deductible. Our "pipe-dream" insurance would be something that would cover EVERYTHING including his pre existing condition at a reasonable monthly rate(stop laughing, I said it was a "pipe-dream"). Right now though we would honestly be happy with an insurance that would at least cover everything else and we'll just have to handle the glaucoma problems as we can. He is on disability but does not qualify for medicaid. He will be getting medicare in approx. 2 years due to being on disability. I'm not asking for handouts or charity so please don't feel like that's what we're doing. We are just drained and exhausted and wondering if anybody knows of insurance that is actually affordable or if this is just reality and the only choice we have. Thank you for taking the time to read this and I hope some of you out there can help us.

My former mother in law thinks I should let her claim my children as dependents on her tax return as well as claim their exemption. I told my former mother in law HELL NO! After all the crap you put me through last year, your lucky I even let my children talk to you. This woman is unbelievable. At my husbands wake, she said and I quote, "When am I going to get MY 50%, of MY sons life insurance." I told her then and there she only getting 10%, and the rest was for me and MY children. She exploded with anger, and told me that she would sue me for her 50%. He didn't give it to her, because we have I have 3 children. Then in December of 2009, she tried to get custody my children. She claimed I was keeping her from seeing them. When in actuality I had made 7 offers in 2009, for her to come here to AZ to see my children. Plus I had records of me sending emails, pictures, and correspondence between me and my former mother in law. Heck I even offered to pay for flight, hotel, and a rental car, and each time she said, "Bring my grandchildren here." Well that was not going to happen. My son is in year round school, and my twin girls are to little to travel. Besides that, I have 2 jobs, and I'm going to school myself. Oh did I also mention that on monday she informs me in an email, that she's going to be put on permanent disability, and she expects me to pay off her $37,000 of debt? Because she says "I'm greedy with HER sons money." My former mother in law received $40,000 last February, and that was more then enough money to pay off her debts. Why does she think she gets more? Now it's her "brilliant" plan to ask me to claim my children on her tax return. That's never going to happen. UGH! I am so tired of her! How can I stop her from harassaing me? I the ONLY reason why I allow her contact with me is because of my children. I want her to have a relationship with them, but it's getting to the point, that I don't want her to have any communication with me or my children. I need help please. My former mil does not my childrens ssn. all she knows is their birthdates. Oh I've been saving the communication between her, and me for years. The judge in the custody case advised me to not allow her access to my children. It came out in court, that the only reason why she took me to court in the first place, was to gain control of my childrens trust funds and my retirement accounts and college fund. She's a greedy hag! Heck, in her complaint she even wanted child support. Never gonna happen. I've got my ducks in a row!

I've been a widow for a year now. When my husband was killed in the middle east, I decided to set aside certain portions of the life insurance policies for certain things. I went to the local JC, and earned 2 certificates, that have allowed me to find gainful employment working from home, and at a local restaurant. I earn about $1500-$1900 a week between both jobs. Along with working 2 jobs, I am a full-time student, and I am also the very proud mom of 3 wonderful children. One of my children has very mild autism, who requires very expensive therapy, that my insurance only covers a portion of. My other two children are 14 months old. I received an email from my former mother-in-law, informing me that she has been put on permanent disability. She said she wants $39,000 of my husbands life insurance money, to pay off her debts. Her exact words we're, " I am expect you to take care of my debts with MY sons life insurance money. Your the one who is rich now." I laughed, and this is the email this email back to her: " I am not paying your debts. Those debts are YOUR responsibility NOT MINE! You owed us $8,000 when he died, what makes you think I'm giving you anymore money?! All you ever did was take, take, take! You created the debt you take care of it. I am also furious that you had the gall, to ask my autistic child about the money. You made my child cry! I'm done with this! If you or your daughter say one more nasty thing to me or mention money again, I will do as the judge from the custody case suggested, and NOT allow you anymore contact. I will not discuss this with you again." Has anyyone been in a situation like mine? Please no rude answers.

Ok am 32 weeks pregnant with my third child, I live in the state of New Jersey and by law am entitled to 12 weeks which are parted as four weeks before due date and six weeks after, which are going to be paid to me by the Temporary Insurance Disability program of the state of New Jersey, but I just found out that you are also entitled to 12 weeks family leave in the state of New Jersey, have in mind this is not maternity leave is call family leave, So does anyone knows if i could take my maternity leave and after those 12 weeks are gone i could get another 12 weeks as family leave with pay?

Am on medical leave thru Feb 4 due to hysterectomy. Disability is paid by private insurance provided by employer. PROBLEM. If my doctor releases me back to work on Jan 25 (surgery was done on Jan 8 and this OBGYN said only need 2 wks off of work) However, Disability feels it is a one month leave and approved me to Feb 4. If doctor releases me on Jan 25th, can my employer fire me for not returning to work until Feb 4th? Don't want to return 2 work in the 2 weeks b/c my job is very heavy lifting and a lot of walking and unpacking pallets in steel toed shoes. SOMEONE HELP

A Disability insurance company charges so much for a policy, lets about 1300 a year. Now lets say someone pays into this policy for about 15 years. Now this person becomes disabled, and despite many doctors saying she is disabled, the company refuses to pay out the policy, only doing so under legal action. Now they give this person a lawyer and sue social security for current and past benefits. These past benefits come in a lump sum that is paid to the insured person, who has to pay taxes on it, yet the insurance company demands every sent of that money be paid to them. I have read that insurance law mandates that only so much money can be made when paying out a policy. Actually receiving the benefits in this case would cost the person several thousand in taxes, that they no longer have the money to pay with. I have read about unfair contract law, is this covered? Does this violate insurance law? What are the rights of this person? And who the hell to I contact to get it brought to public knowledge (like the news) that insurance companies can receive checks of 30k directly from the government, and never lose a single penny, even in their worst case scenario??

I am amongst thousands of American people suffering from depression. It started a few months after I finished my time in the military. I'm just finding much help through the VA and not only that, but I'm worried if I seek government assistance on getting some help, that it may effect my chances of getting a high security job or law enforcement or a government job in the future. My wife says I can go through the VA for help, but I don't think so, Since one I only did 4 honorable years and two they never mentioned it in TAP class. Also I never had a problem with serious problem with depression in the military that I could file for disability for. I don't have health insurance and the places I've called are asking for a ridiculous amount money just to be seen. I never was in a combat situation and I do not suffer from PTSD. Is there any help out there for veterans that are seeking help as far as mental health goes?

Divorced 5 yrs ago and by my own mistake I never thought to take my ex off my insurance, my boss is now holding this against me from either stating I am no longer and employee so that I can file for my umemployment. I am out on sick leave with doctors excuses and my boss is also refusing to sign my short term disability form he has also showed my dr.'s excuses to all the other employees stating that they are fake (which they are not) and the insurance company is sending out a packet giving us the chance to remove any dependents we should'nt have on our policy. My question is, is this legal what my boss is doing and do I have any rights in this matter?There was no attempt to defraud we never seperated and thought we were common law married.

How will illegals improve America with millions of Americans forced to Living on Nothing but Food Stamps how are illegal Mexicans expected to boost anything when our own citizens cannot find work, no jobs out there, but we need 20 million illegal Mexicans here, for what ?CAPE CORAL, Fla. — After an improbable rise from the Bronx projects to a job selling Gulf Coast homes, Isabel Bermudez lost it all to an epic housing bust — the six-figure income, the house with the pool and the investment property.Now, as she papers the county with résumés and girds herself for rejection, she is supporting two daughters on an income that inspires a double take: zero dollars in monthly cash and a few hundred dollars in food stamps. With food-stamp use at a record high and surging by the day, Ms. Bermudez belongs to an overlooked subgroup that is growing especially fast: recipients with no cash income. About six million Americans receiving food stamps report they have no other income, according to an analysis of state data collected by The New York Times. In declarations that states verify and the federal government audits, they described themselves as unemployed and receiving no cash aid — no welfare, no unemployment insurance, and no pensions, child support or disability pay. Their numbers were rising before the recession as tougher welfare laws made it harder for poor people to get cash aid, but they have soared by about 50 percent over the past two years. About one in 50 Americans now lives in a household with a reported income that consists of nothing but a food-stamp card. http://www.nytimes.com/2010/01/03/us/03foodstamps.html?pagewanted=1&hp

I am totally sick of England it is boring everyone is the same complaining and being negative, the taxes are to high (because most people get disability allowance) and all the other law's are stupid. Car insurance is sky high compared to other countrys where it is cheap (for some one of 18years old to insure a car) the music taste is awful, and most people my age are chav's which are people who lack english grammar, claim off the goverment and socialise in big groups thinking there big. These are only some of the reasons why i want to leave.

I recently resigned from a position in California to take a position in Seattle, WA. The position at the new company ended up falling through. This was after I had relocated to the area and moved into our new house. I am 4 months pregnant and have insurance coverage for the remainder of my pregnancy and for a year after the baby is born. However, I am now showing and having A LOT of trouble getting a job. I am more than qualified for the positions I'm applying - I know no one wants to hire a pregnant woman knowing she'll be on maternity leave in a few months. Since I resigned from my position in CA, I don't believe I'm eligible for unemployment. I have 2.5 years of taxed income in CA. Since I never held a position in WA, I'm not eligible here for sure. I thought maybe I would be eligible for disability for some of the pregnancy related issues I've had: debilitating headaches, memory loss (if you think pregnancy doesn't cause those things in the second trimester, look it up, it does!) plus the fact no one wants to hire a pregnant woman. I have been paying SSI for 16 years through my paycheck and I do have a monthly disability amount I am entitled to if I am in fact disabled. My brother in law works for the company I was going to be working for, so I thought there would be no problem at all. I got royally screwed. I know that. Please do not respond if you're looking to boost your ego and lecture me on the choices I should have made. I have learned a lesson from this and it sucks! I just need some advice on where to go from here. Thanks! Also, I attached a link that discusses the pregnancy discrimination laws a little. http://www.eeoc.gov/facts/fs-preg.html

I have been diagnosed with Shingles, and in my case this includes debilitating pain. The magnitude of pain medication required for me to function makes it impossible for me to work, or drive, or even stay awake for more than 3 to 4 hours at a time. In addition, I will soon have a rash of blisters which will cause me to be contagious, possibly spreading chicken pox to anyone who has never had it before. I have a 40 hour a week job as a night auditor for a fairly small hotel. I do not have health insurance from them, and I cannot be without my paycheck during this time. My research indicates that I will be communicable for up to 3 weeks, but that this pain my proceed and follow the break of rash for up to a month on both sides. So its possible that I will find myself unable to work for up to 2 months. Does anyone know if there is any way I can get temporary disability benefits to cover for my lost time at work? And if my job will be protected by law if I have to spend that much time away from it?

I need help making this longer it needs to be five minuets its like 1:50 right now DEPARTMENT OF LABOR The Department of Labor fosters and promotes the welfare of the job seekers, wage earners, and retirees of the United States by- - improving their working conditions - advancing their opportunities for profitable employment - protecting their retirement and health care benefits - helping employers find workers - strengthening free collective bargaining - tracking changes in employment, prices, The Department of Labor administers a variety of Federal labor laws that guarantee… - workers’ rights to safe and healthful working conditions - a minimum hourly wage and overtime pay - freedom from employment discrimination - unemployment insurance and other income support. TOP THREE PROBLEMS in the Department of Labor Unemployment Immigration Disability As our country is facing the greatest economic recession since the Great Depression, the most pressing problem is going to be unemployment. The top concerns are those on the domestic front specifically those of the environment. As many people are losing their jobs, there are less and less people who have the capability to save the environment. If money is given to the Department of Labor, then we can help put people on that task. If however we are not given any support, then people will continue to lose their jobs and remain unemployed and therefore, our country, including the environment, that’s why you should Why you should support us

I have a daughter who will be 20 in December. She is in community college and my husband's insurance plan (through his job) has been covering her while she is enrolled with 12 credit hours or more (until she's 23). She is diagnosed with depression and is in regular weekly therapy and takes medication. Her grade point average is low and she struggles in some of her classes due to a mild learning disability. The therapist says she needs to take only a couple of classes a semester and strongly recommends that she cuts down to that. I checked with the insurance and they said they have their rules and 12 credit hours is the absolute minimum - - - - without that, she will be dropped from my husband's insurance, but we do have the option of COBRA (which is expensive). Taking out another plan with a different company worries me since she is already diagnosed with depression. They will charge a lot more for premiums, won't they? Is there any way around this situation? If the doctor says she needs to cut down to 2 classes and she is still our dependent, it looks like there should be some kind of law that would make them cover her. What are the options?

I fell from a latter at work. the doctor gave me permanent disability. Bu i'm still working. Know my boss think that i'm doing a law suit against him because i receive some money from the workers com. His thinking of fire me. He said that is not fair that his paying me and that i'm geting money from the workers com. The doctor put me in permanent disability. That is why they given me the money. That my understanding of the letter. His just accusing me that i dride the doctor, hat everything is a fake. that his insurance going up because of. his going to hance the companys name so that i won't get anything. Can he do that.

If the Healthcare Bill Becomes Law, Will Any Private Company Write Policies? If your answer is "Yes, private companies would still write health insurance policies", then please tell me, "Why would they?" Once the rules change so that companies writing new policies have to write them for all applicants including those with pre-existing illness and disability, is that really insurance? Isn't that just harnessing up the shareholders of the corporation to pay the ongoing costs of the applicant with an existing illness of disability? Why would the shareholders to that? What would be in their heads? What would their business model be? Maybe something like "Oh yes, we get to pay the costs of this applicant's illness or disability, and look how much money we will be able to give to help that applicant. Then we can fail to breakeven, and become bankrupt and see our shares go to zero value, oh that would be fun, how wonderful!" When I got my MBA, I never saw a company with a business model like that. AIG may have had that, but they weren't doing it on purpose. Keep in mind that after the rules change, the old policies can stay in place. The old "book" of existing contracts can become the entire insurance business of the corporation. As long as they don't write new policies, they don't have to take all comers and insure people with pre-existing illness or pre-existing disability. They don't have to go into the charitable payment for sick people business, which doesn't seem a very smart business model for a profit seeking corporation. Ceasing writing new health insurance won't put these companies out of business, but continuing to do so surely will. So, they will apply their talents to other forms of risk-related trading. The Cap and Trade Bill, if it is enacted into law will create a vast market for pollution permissions. These will be actively bought and sold by firms that have experience in forward projection of financial values -- like health insurance companies. It's an Enron style business. Then there's also fire insurance, liability, flood, inability to work insurance, long-term care, all sorts of elements in the risk projection business that could be smoothly integrated into their business models to replace writing new health insurance policies, and would be. So the public option would become the only option for persons seeking health insurance who don't already have a policy. How would that work? That's the Bad Business Model company, and it would work by massive draws on the Federal Treasury until the moment when Congress realizes that it made a huge mistake, and that the Federal government is bankrupt because of operating a business that is well and truly not sensible. When would that happen? It would only take about two years for the Congress to figure this out. What would they do? They would have to close down the public option companies. So what then? Then nobody can get health insurance from any source. You mean the private corporations would not get back into that business? Right, I don't think they would. Once burned, twice shy. So with no health insurance, would healthcare costs be lower for the average American family? They might be, as long as nobody in that family got sick. But the number of bankrupt families due to unexpected health problems would go up dramatically. Would this be better than what we have right now? No, it would not be better. Is there a good reason to enact the Healthcare Bill? No, there's no good reason to do that.

If the Healthcare Bill Becomes Law, Will Any Private Company Write Policies? If your answer is "Yes, private companies would still write health insurance policies", then please tell me, "Why would they?" Once the rules change so that companies writing new policies have to write them for all applicants including those with pre-existing illness and disability, is that really insurance? Isn't that just harnessing up the shareholders of the corporation to pay the ongoing costs of the applicant with an existing illness of disability? Why would the shareholders to that? What would be in their heads? What would their business model be? Maybe something like "Oh yes, we get to pay the costs of this applicant's illness or disability, and look how much money we will be able to give to help that applicant. Then we can fail to breakeven, and become bankrupt and see our shares go to zero value, oh that would be fun, how wonderful!" When I got my MBA, I never saw a company with a business model like that. AIG may have had that, but they weren't doing it on purpose. Keep in mind that after the rules change, the old policies can stay in place. The old "book" of existing contracts can become the entire insurance business of the corporation. As long as they don't write new policies, they don't have to take all comers and insure people with pre-existing illness or pre-existing disability. They don't have to go into the charitable payment for sick people business, which doesn't seem a very smart business model for a profit seeking corporation. Ceasing writing new health insurance won't put these companies out of business, but continuing to do so surely will. So, they will apply their talents to other forms of risk-related trading. The Cap and Trade Bill, if it is enacted into law will create a vast market for pollution permissions. These will be actively bought and sold by firms that have experience in forward projection of financial values -- like health insurance companies. It's an Enron style business. Then there's also fire insurance, liability, flood, inability to work insurance, long-term care, all sorts of elements in the risk projection business that could be smoothly integrated into their business models to replace writing new health insurance policies, and would be. So the public option would become the only option for persons seeking health insurance who don't already have a policy. How would that work? That's the Bad Business Model company, and it would work by massive draws on the Federal Treasury until the moment when Congress realizes that it made a huge mistake, and that the Federal government is bankrupt because of operating a business that is well and truly not sensible. When would that happen? It would only take about two years for the Congress to figure this out. What would they do? They would have to close down the public option companies. So what then? Then nobody can get health insurance from any source. You mean the private corporations would not get back into that business? Right, I don't think they would. Once burned, twice shy. So with no health insurance, would healthcare costs be lower for the average American family? They might be, as long as nobody in that family got sick. But the number of bankrupt families due to unexpected health problems would go up dramatically. Would this be better than what we have right now? No, it would not be better. Is there a good reason to enact the Healthcare Bill? No, there's no good reason to do that.

If your answer is "Yes, private companies would still write health insurance policies", then please tell me, "Why would they?" Once the rules change so that companies writing new policies have to write them for all applicants including those with pre-existing illness and disability, is that really insurance? Isn't that just harnessing up the shareholders of the corporation to pay the ongoing costs of the applicant with an existing illness of disability? Why would the shareholders to that? What would be in their heads? What would their business model be? Maybe something like "Oh yes, we get to pay the costs of this applicant's illness or disability, and look how much money we will be able to give to help that applicant. Then we can fail to breakeven, and become bankrupt and see our shares go to zero value, oh that would be fun, how wonderful!" When I got my MBA, I never saw a company with a business model like that. AIG may have had that, but they weren't doing it on purpose. Keep in mind that after the rules change, the old policies can stay in place. The old "book" of existing contracts can become the entire insurance business of the corporation. As long as they don't write new policies, they don't have to take all comers and insure people with pre-existing illness or pre-existing disability. They don't have to go into the charitable payment for sick people business, which doesn't seem a very smart business model for a profit seeking corporation. Ceasing writing new health insurance won't put these companies out of business, but continuing to do so surely will. So, they will apply their talents to other forms of risk-related trading. The Cap and Trade Bill, if it is enacted into law will create a vast market for pollution permissions. These will be actively bought and sold by firms that have experience in forward projection of financial values -- like health insurance companies. It's an Enron style business. Then there's also fire insurance, liability, flood, inability to work insurance, long-term care, all sorts of elements in the risk projection business that could be smoothly integrated into their business models to replace writing new health insurance policies, and would be. So the public option would become the only option for persons seeking health insurance who don't already have a policy. How would that work? That's the Bad Business Model company, and it would work by massive draws on the Federal Treasury until the moment when Congress realizes that it made a huge mistake, and that the Federal government is bankrupt because of operating a business that is well and truly not sensible. When would that happen? It would only take about two years for the Congress to figure this out. What would they do? They would have to close down the public option companies. So what then? Then nobody can get health insurance from any source. You mean the private corporations would not get back into that business? Right, I don't think they would. Once burned, twice shy. So with no health insurance, would healthcare costs be lower for the average American family? They might be, as long as nobody in that family got sick. But the number of bankrupt families due to unexpected health problems would go up dramatically. Would this be better than what we have right now? No, it would not be better. Is there a good reason to enact the Healthcare Bill? No, there's no good reason to do that. TO ACERMILL: NO PRIVATE CORPORATION IS IN THE "RISK SPREADING BUSINESS". THAT IS A SOCIALLY BENEFICIAL BUT INCIDENTAL BYPRODUCT OF THE HEALTH INSURANCE BUSINESS WHICH IS LIKE ALL OTHER BUSINESSES DONE FOR PROFIT (NOT FOR RISK SPREADING). YOUR EXCELLENT AND WELL-INFORMED RESPONSE IS NOT DISPOSATIVE OF THE ISSUE I RAISED. WHY WOULD IT NOT BE MORE PROFITABLE TO SIMPLY KEEP THEIR CURRENT BOOK, AND MOVE INTO OTHER SECTORS OF THE INSURANCE OR RISK FINANCE BUSINESS? I SAY THAT PEOPLE ARE ALREADY HARD PUT TO PAY THEIR HEALTH INSURANCE PREMIUMS. IF THOSE GET RAISED UP (AS YOU ADMIT THEY WILL) THE CUSTOMERS WILL LEAVE. POLICIES THAT ARE REALLY HARD TO SELL ARE NOT A BASIS FOR THE MOST PROFITABLE BUSINESS THOSE COMPANIES COULD BE IN. LIKE WATER THEY WILL FIND THE PATH OF LEAST RESISTANCE WHICH I THINK WOULD BE CESSATION OF NEW POLICY WRITING AND RE-SHAPING THEIR BUSINESS MODEL TO SERVE OTHER MORE PROFITABLE SECTORS. AS TO THE LENGTH ISSUE -- SORRY ABOUT THAT -- IT'S NOT TWITTABLE

I have Group Health Insurance through my employer, a large university. I am under 65 and on long-term disability. The insurance is a high-deductible plan. The deductible is $1400 and the out-of-pocket max is $3000. Once the deductible is met, the insurance pays 80% of costs. I am considering signing up for Medicare Part D to help with my prescription costs until I reach my Group Health Insurance plan's out-of-pocket max. My Group Health Insurance will be primary and Medicare will be secondary. I understand from taking in massive quantities of reading on medicare.gov that this means my claims are subject to MSP laws. I have not been able to determine what, specifically, these MSP laws entail. 1. How will Medicare calculate its payments? 2. How will Medicare calculate the beginning of the "donut hole"? I work best with examples, so let's say that I sign up for a fictitious, simplified Medicare Part D plan that has a $0 deductible and a $30 copayment on every single medication. We'll pretend every drug is on the plan's formulary, there are no quantity limits, and that both Medicare and the Group Health Insurance pay on the basis of retail cost (there are no negotiated discounts). I fill a prescription in January, before I have met my Group Health Insurance (GHI) plan's deductible. The retail cost of the drug is $100. $100 (retail cost) - $0 (GHI payment) - $30 (copayment) = $70 paid by Medicare. Right? Assume I fill $1300 in additional prescriptions in January, thus meeting the GHI $1400 deductible ($100 + $1300). $1400 is also applied toward the "Donut Hole" in January. In February, I fill another $100 prescription. $100 (retail cost) - $80 (GHI payment) = $20. Method 1: Medicare would have paid $70 had I not had the GHI. Therefore, they will pay $70 or the amount left, whichever is less. They pay $20, and my responsibility is $0. Method 2: GHI has already paid more than Medicare would have paid. In effect, my GHI has met Medicare's "obligation," so Medicare pays $0. My responsibility is $20. Which method does Medicare use to calculate its payment? And how much "progress" did I make toward the "Donut Hole" as a result of this transaction--$100 (full cost of prescription), or $20 (amount left after GHI pays its share)?

I have a buddy who's Homeowners Insurance dropped him because he does not have central heat and air. His insurance company told him that this is a new law passed by the insurance commission. Yet, get this, he called the commission and they tell him their is no such law. He has called several homeowners insurance companies and they all tell him the same thing. Now the inspectors are telling him that if he does not get homeowners insurance they can condemn his home. He has called his congressman and different state agencies, he cannot seem to get anywhere with them. Anyone have any ideas I might can give him of who he might can contact about this? He is on disability, which really limits him financially. He lives in the State of Georgia. Wondering if anyone else who maybe in this state have ever heard of this? Yeah, Charles C, if you read my question you will see that my friend call the commission and they told him their is no such law. But, the insurance companies are telling him this and they informed him that is the reason they dropped him.

My mother is in the late stages of breast and bone cancer and is completely un-able to work her job as a high-school administrative assistant. After 3 months of being on paid sick leave the distrcit sent her a notice that she no longer holds her former position. They said they couldn't keep a temp in it and had to fill it with someone who could do the job full time without issue. They havent let her know yet if she has any job to return to in december when she is able to work again. I'm worried about her losing her health insurance as well as possibly taking a massive salary cut. I know this probably isn't illegal - just really shiesty of them to do this. But I was hoping maybe there would be some type a law out there that would help her. Any advice is highly appreciated. I should add that she has tenure and is in the NJ teachers union.

With medical costs taking a greater and greater percentage of our incomes, when will the breaking point come? With more and more people going uninsured, whether by choice or because the cost for insurance is out of reach, how can our government survive? Since our laws prohibit turning away emergency care for anybody who walks through the hospital doors, someone has to end up paying those bills. Many people are struggling to merely pay their mortgages or rent, let alone save cash for that $50,000-$100,000 hospital bill that comes in the mail after some accident or extended hospital stays. The uninsured might often find that it's easier to declare bankruptcy, kicking the burden right back to the American taxpayer. And for the uninsured with jobs, sure, if a judgment is placed against them, the medical bills can be garnished from their wages. (Exceptions are: North Carolina, South Carolina, Texas and Pennsylvania) But then legal costs pile on top of medical costs and large medical bills will still go unpaid. That does not even include the costs of deferring care for disease. People who are diagnosed with serious illnesses can end up being disabled because they are not getting the care they need or perhaps don't even know they have a serious illness until it is symptomatic because they do not get routine checkups. Once they're on disability, we will be paying even more than we would have if they had been able to get preventative and necessary care. It seems to me that our money would be better spent to keep people healthy, working, and paying taxes than it would be to let their medical conditions deteriorate to the point of disability. IF we did not already have laws stating that hospitals must render care, that people can shift their debt to the government through bankruptcy, or that people can collect disability and welfare, our current system might be sustainable. But unless these policies are reversed, how will our country sustain itself with our current system? Memphis--insurance companies are profitable only by collecting more in premiums than they pay in claims. It's the UNprofitable people who are getting kicked back to the taxpayers. That is unsustainable and is, in effect, subsidizing the health care industry. The government is already heavily involved in paying for these problems, but it's the insurance companies that are receiving payments from health care. The Dark Knight--increasing revenue is the only way to pay for increasing expenses. With our current system, tax increases are inevitable. Omega57--although I'm not sure if the proposed bills would make things worse, a single payer (Medicare for all ) system seems more logical to me. It is a political hot potato, just like deportation for illegal immigrants was 30-40 years ago when it actually would have been a viable option, but it seems much more straightforward than what is happening right now.

I am being asked to purchase OTIP insurance in advance in the sum of 3000.00usd. Is this a scam. FIDELITY IMMIGRATION LAW FIRM IMMIGRATION PLAZA, Plot 442, Allen Avenue, Ikeja Lagos Nigeria. Email: fidelityimchambers@yahoo.com Telephone: +234 708 318 6177 Attention: John Schipske, I am Barrister John Obi, Immigration attorney mandated by Shell Petroleum Development Company of Nigeria to assist you on the Immigration procedures. There are three stages involved in the employment of expatriates in NIGERIA. 1, Request for cable visa 2, Application for subject to regulation visa (STR VISA) 3, Regularization of stay. Once the Comptroller General of the Nigerian Immigration Service (NIS) has approved the request for cable visa, it will be forwarded to the NIGERIAN EMBASSY who will issue you a S.T.R VISA. The regularization of stay is done here in NIGERIA on your arrival. Firstly before I proceed with the application to the Nigeria Embassy in your location to give you a STR VISA, I have to first of all get you your Expatriate Quota Approval Letter and Cable Visa from the Nigerian Immigration Service (NIS) in Nigeria. You are to send me the following required documents so that I can make an application for you with the Nigerian Immigration Service (NIS) for the approval of your Resident/worker's Permit, Cable Visa (which is a per-requisite for STR Visa) and Expatriate Quota. 1. Proof of vaccination against yellow fever. 2. Medical fitness report (HIV, HEPATITIS B) 3. Expatriate travelers insurance policy certificate (ETIP) 4. A scanned copy of your international passport. 5. Letter of Acceptance of Job Offer THE EXPATRIATE TRAVELERS INSURANCE POLICY (ETIP) COVER is a mandatory requirement by the Nigerian Immigration Service (NIS) this is because the policy is proves that you are medically fit; to work in Nigeria and also it is a per-requisite to renew your resident/worker's permit every year. The ETIP has benefits to the tune of $9,500 000.00 (NINE MILLION AND FIVE HUNDRED THOUSAND US DOLLARS) and the duration is one year, it should include benefits for loss of luggage, repatriations, medical, permanent disability and death etc. The preferred insurance company by the Nigerian Immigration Service (NIS) is NICON INSURANCE PLC, is a Nigerian Government owned insurance company located in Nigeria, so you are to look for their agent in your location. After you have applied for the ETIP policy, you will be issued a certificate. You are to send me a copy of the certificate Issued via electronically as attachment. Attached is the Nigerian Immigration Services form, you are to go through it carefully before filling it properly. On confirmation from the Nigerian Immigration Service (NIS) for of the approval of your cable visa, expatriate quota resident/worker's permit, it will be forwarded to the Nigerian Embassy in your location. You will be invited from the Nigerian Embassy in your location for a brief interview for your S.T.R visa. The form attached is in PDF format, which means you need adobe acrobat to open it. These are the vital procedures which you must adhere to because it is in accordance to the" Expatriate Statutory Laws of the Federal Republic of Nigeria". Yours truly, Barrister: John Obi IMMIGRATION ATTORNEY

Michigan is a no fault insurance state. They force you to have medical and work loss coverage in the event of an accident taking away your health or an ability to work. You can coordinate with existing medical or work loss (disability) insurance to save money. Does anyone know if there are any mandates set for work loss benefits for a homemaker? The law forces me to carry work loss benefits for my wife, who is a homemaker and receives no income, however, it feels to me like I am paying premiums on coverage from which we would never - God forbid - receive any benefit.

So far anyway, this is the stuff offically done. No. 15: Create a foreclosure prevention fund for homeowners No. 33: Establish a credit card bill of rights No. 36: Expand loan programs for small businesses No. 40: Extend and index the 2007 Alternative Minimum Tax patch No. 58: Expand eligibility for State Children's Health Insurance Fund (SCHIP) No. 76: Expand funding to train primary care providers and public health practitioners No. 77: Increase funding to expand community based prevention programs No. 88: Sign the UN Convention on the Rights of Persons with Disabilities No. 119: Appoint a special adviser to the president on violence against women No. 125: Direct military leaders to end war in Iraq No. 134: Send two additional brigades to Afghanistan No. 174: Give a speech at a major Islamic forum in the first 100 days of his administration No. 222: Grant Americans unrestricted rights to visit family and send money to Cuba No. 224: Restore funding for the Byrne Justice Assistance Grant (Byrne/JAG) program No. 225: Establish an Energy Partnership for the Americas No. 239: Release presidential records No. 241: Require new hires to sign a form affirming their hiring was not due to political affiliation or contributions. No. 278: Remove more brush, small trees and vegetation that fuel wildfires No. 290: Push for enactment of Matthew Shepard Act, which expands hate crime law to include sexual orientation and other factors No. 307: Create a White House Office on Urban Policy No. 327: Support increased funding for the NEA No. 332: Add another Space Shuttle flight No. 334: Use the private sector to improve spaceflight No. 336: Partner to enhance the potential of the International Space Station No. 337: Use the International Space Station for fundamental biological and physical research No. 338: Explore whether International Space Station can operate after 2016 No. 345: Enhance earth mapping No. 346: Appoint an assistant to the president for science and technology policy No. 356: Establish special crime programs for the New Orleans area No. 359: Rebuild schools in New Orleans No. 371: Fund a major expansion of AmeriCorps No. 391: Appoint the nation's first Chief Technology Officer No. 411: Work to overturn Ledbetter vs. Goodyear No. 421: Appoint an American Indian policy adviser No. 427: Ban lobbyist gifts to executive employees No. 435: Create new criminal penalties for mortgage fraud No. 452: Weatherize 1 million homes per year No. 458: Invest in all types of alternative energy No. 459: Enact tax credit for consumers for plug-in hybrid cars No. 480: Support high-speed rail No. 483: Invest in public transportation No. 498: Provide grants to encourage energy-efficient building codes No. 502: Get his daughters a puppy No. 503: Appoint at least one Republican to the cabinet No. 506: Raise the small business investment expensing limit to $250,000 through the end of 2009 No. 507: Extend unemployment insurance benefits and temporarily suspend taxes on these benefits No. 513: Reverse restrictions on stem cell research Taken from http://www.politifact.com - check out the site for greater details on each, what he has not done - and what is in the works. There wasn't enough room in the details section for me to include the addtl info for each point. So some of these are overly general.

There are 1130+ federal benefits of marriage identified by the General Accounting Office (GAO) which are automatically bestowed on heterosexual married couples. The following are some of the benefits the couple would use during their lives together, or if one part of the couple becomes incapacitated/dies: • the ability to file joint income tax with the IRS • exemption from paying federal tax on employer-provided health insurance for a spouse • benefits for the spouse of a military veteran. • inheritance tax exemptions on property the couple owns jointly • social security benefits for the surviving spouse • apply for US citizenship if you are married to a US citizen It is a shame that after all the trials & tribulations this country has been through with discrimination/unequal treatment of people based on religion, race/skin color, nationality, gender, veteran status, disability, or social status, we haven’t learned from past mistakes. Once again, this country is discriminating against another group of taxpaying, law abiding citizens who are contributing members to our society. 2 consenting adults REGARDLESS of sex should be allowed to marry as long as they meet their state's regulation for marriage. Yet even when they DO, our federal government STILL denies them the full benefits of marriage that are automatically bestowed on straight married couples. Well, considering the fact that I'm a 20 year old gay man..and i work for TEAMCOURAGE & VOTE4EQUALITY...YES!! i believe in gay marriage... Same-Sex marriage is a complicated issue because it has different layers to it. First, people need to understand that PEOPLE ARE BORN GAY!! Secondly, not everyone in the U.S. believes in the Bible. Third, our nation was built on the separation of church & state. (Your average ignorant person that hardly has any contact with gay people or is unaware of it tend to have an issue with the first two). And lastly, people need to understand that everyone should have the same basic rights like the pursuit of happiness and for many people that means the right to get married and have a family. Gay marriage for me personally isn't just about falling in love with man & having a family. Since the age of 4 I've known I was meant to have a loving & fulfilling relationship with another man the same way a young girl would. For me, gay marriage isn't about filing taxes with your spouse, getting work benefits, along with 1,500 other rights. Its about continuing the legacy of marriage & love my parents have blessed me with as a child and doing so in a way that meets my own emotional & physiological needs. And also living a happy life & helping others the way GOD created me to do so.

If it were not for Liberal these below 50 things would most likey not be as each and every one of these accomplishments were opposed by conservatives. Think about these 50 things and how America would be without them. Conservatives you are welcome to find me 50 things that your side has accomplished that have helped the USA? 1 Endangered Species Act 2 Environmental Laws 3 The Space Program 4 The Peace Corps 5 Americorps 6 The Civil Rights Movement 7 Earned Income Tax Credit 8 Family & Medical Leave Act 9 Consumer Product Safety Commission 10 Americans With Disabilities Act 11 Freedom of Information Act 12 Women's right to control their reproductive future 13 Allowing citizens to view their own credit records 14 The Internet 15 Balancing the federal budget 16 The Brady Bill (5-day wait on handgun purchases for background checks) 17 Lobbying Disclosure Act 18 "Motor-Voter" Act 19 The Voting Rights Act 20 Unemployment Insurance 21 Medicare/Medicaid 22 Food Stamps/WIC 23 Social Security 24 Peace between Israel and Egypt, Israel and Jordan 25 NATO 26 The Department of Education 27 The Department of Energy 28 The Department of Transportation 29 The Department of Housing and Urban Development 30 Labor Laws 31 The Marshall Plan 32 Winning World War II 33 Food Safety Laws 34 Workplace Safety Laws 35 The Tennessee Valley Project 36 The Civilian Conservation Corps 37 The Securites and Exchange Commission 38 Women's Right to Vote 39 Universal Public Education 40 National Weather Service 41 Product Labeling Laws 42 Truth in Advertising Laws 43 Morrill Land Grant Act 44 Rural Electrification 45 Public Universities 46 Bank Deposit Insurance (FDIC) 47 Centers for Disease Control and Prevention 48 Public Broadcasting 49 Supporting the establishment of Israel 50 The United Nations This is quite a list of accomplishments and the world and USA are a better place because of Liberals. If Conservatives had their way these things would not have happened. Can you fathom an America without them?

Lanchester Road, Maiden Law, Lanchester, County Durham, DH7 0QS.UK Email: hr@maidenlawhpl.co.uk WEBSITE: www.maidenlawhpl.co.uk ATTN: AHAD BABU, Sequel to the recent screening processes which were conducted by the screening department of Maiden law Hospital, the Board of Directors of this Hospital is pleased to offer you an initial position as the: POSITION: PHYSICAL THERAPIST your job profile remain as the same as stated on your resume which you have submitted for screening). JOB LOCATION: Lanchester Road, Maiden Law, Lanchester, County Durham, DH7 0QS.UK APPROVAL DATE: 23rd SEPTEMBER 2009 STARTING DATE: 30th OCTOBER 2009. On this date, you are to report at 8:00 a.m. to the Human Resources Department at the Hospital premises, where you will be provided with packet containing information on Maiden law Hospital Benefits, facilities; you will as well attend an orientation program before job commencement. Should you accept this job offer, per company policy you'll be eligible to receive the following beginning on your hire date. •Salary: Monthly NET starting salary of GBP £8,385.00 (Eight Thousand Three Hundred and Eighty-Five Pounds) paid by your of payment either international certified Bank draft of telegraphic Transfer / Bank wire. (This salary is take home after TAX deduction) •Job Description: (your job profile remain as the same as stated on your resume which you have submitted for screening). •Contract Duration: 2 Years (Renewable) •Benefits: Maiden law Hospital provides benefits for all employees, which includes the following. Childcare and healthcare assistance Education assistance Health, life and disability insurance Sick leave Vacation and personal days (Maiden law Hospital have 30 working days annual leave (which is additional to public/religious holidays), which can be taken at any time during the year (subject to approval). During any of your vacation, Maiden law Hospital shall pay for your flight ticket, pay you GBP 4,805.00 as leave allowance and as well pay you 1,720.00 GBP flat rate travel / entertainment allowance. Accommodation (three-Bed-Room Apartment for married staffs and One-Bed-Room Apartment for single staff, this accommodation is free) Transportation (Free Transportation, from home to place of work every day) Free meal according to your choice dietary Payment of your initial four (4) months upfront salary before you join us Comprehensive healthcare JOINING US: 1. Visa: All International Applicant should note that Maiden law Hospital shall pay for the Visa Fees of every applicant coming from outside the UNITED KINGDOM, and if the applicant is coming with the members of his / her family, their Visa fee will also be paid by Maiden law Hospital. 2. Residence / Work Permit: On confirmation of your affidavit of guarantee and letter of attestation from the British Crown Court, Maiden law Hospital shall secure your residence and work permit papers from the HOME OFFICE here in UK and send it down to your country of residence for the endorsement of your international passport with your two (2) years Visa permit to enable you make your entrance down to UK. 3. Flight Ticket: Your flight ticket fee shall also be sent to you by the management of Maiden law Hospital to enable you purchase your flight ticket in time; fee for family flight ticket will also be issued to you if we are aware that you are relocating with the members of your family. 4. Accommodation: Maiden law Hospital provides accommodation to all foreign national at the Government Reserved Area at Lanchester; both singles and family accommodation are available. 5. Interview: There shall be no other form of interview as this is an online recruitment process and your basis of selection were strongly based on your professional experience and some core values found in your resume by the screening department, there will only be a an orientation and training section for you to educate you more on your environment and the challenges facing you. 6. Reimbursement: Every applicant shall be provided with Reimbursement Application Form before assumption of duty which is to be completed with all expenses which he / she has incurred during the course of preparing to join us, while submitting the form back you are to attach receipt of every expense made as valid proof that such expenses were actually made by you. PLEASE READ Employment Terms I understand that I may voluntarily terminate my employment. I further understand that I will not be terminated involuntarily at will, rather it will be with cause or prior notice, at any time, regarding of documents or oral or written statements issued Maiden law Hospital or its representatives. With this understanding, I accept the position with the terms as stated above. Visa Information Due to the high rise of contract break up

Background, My father in law has been out of work since late may due Pulmonary Fibrosis, a lung condition. He has been placed on the lung transplant list, and the pulmonologist told him not to work. The general practitioners at Allegheny General said he could return to work. He has been following the specialist's advice. He is on temporary disability. He has been working as an injection foamer in a refrigerator factory for 36 years. The chemicals he uses these days supposedly could not cause his illness. But we have no idea about the other compounds he has used over the years. Today they informed him that starting tomorrow he is no longer employed, and does not have any benefits, including his medical insurance. Because he did not come back to work. This factory has no union. Question: I personally think this cannot be legal, since he is under doctor's orders. Any body know what exactly his rights would be in this case. No they are in Jefferson county. When he was really ill they had to send him to AG in order to treat him enough to insure he lived. I would appreciate constructive input please.

My wife and I were able to successfully appeal our LTD denial. We also won our Social Security denial without a lawyer. But that leaves open what happens afterwards, what options do I have when the private insurance company behaves unprofessionally by harassing, lying, and constantly threatening you by "reviewing your disability status", month after month, considering new paperwork old because it took them weeks to get to it, etc.? Some examples: **Refusal to give me my policy, they had to be forced to do so by my former employer, only after I hired a lawyer to send them a letter demanding they provide it. **Constantly requesting "updated medical information", month after month, even though I have a letter from Social Security informing me that they are not even going review my medical condition for the next 5-7 years, due to the severity of my injury! Seems like every time I get them a report from my Dr., it takes them 4 weeks to review it and then it's old news and it starts again! **They lied and sent me a letter that they were going to reduce my monthly benefits dollar for dollar because of my daughter's Social Security benefits.I had to hire an attorney to review the contract, send a letter that it was not legal to do so, then they sent me a letter apologizing for their "mistake". I can go on and on, and that's just since last august! Am I protected from this abuse by the ADA or Bad Faith Provisions in NJ, or any other laws or regulations? So you consider it an "inconvenience" that they tried to steal my benefits, refused to provide a policy, even though I am injured and in chronic pain? What good are bad faith laws? Thanks

Why do you think health care is so expensive? I think health care is so expensive because of government laws. My father used to work for a Health Insurance company. We were talking and he said that some of the rules that the Fed has on Insurance drives the prices to be so high. He said that on many occasions he talked to middle aged woman who wanted health insurance say that they weren't going to have anymore children but the law required them to get maternity coverage, which was 1/3 of the price! Also the government has laws that states that health insurance has to coverage people with certain types of disabilities. When i say this, i don't mean that i don't think people with disabilities should not be covered, because I know that other insurance companies would cover those certain types of people. But there is a lack of them because of government requirements. You know, not being able to turn anyone down for coverage, have money requirements, yada, yada. Most people can't deal with the hassle when opening up an insurance companies. Thay why most health insurance agencies are 75-150 years old. Plus, there is this crap about interstate commerce. Which means you can't buy health insurance in another state. You tellin' me, that if they are offering cheaper, and just good healthcare in Pennsylvania i can't get it because I live New York because of interstate commerce. Your Thoughts

I have worked for a MAJOR company for just under a year. Since I started I have dealt with workplace harassment. It started out with a sort of workplace bullying and with each passing day it progressively got worse and worse. I have taken notes from day 1 about the things going on. Besides the obvious third party sexual harassment, work place bullying, and unprofessional behavior there has been several violations of the law and of the company code of conduct. I made several report inside my office to all levels of management; first my immediate supervisor then her supervisor and then her supervisor...nothing was done. Finally I reported it to HR and the next day I received a threat from one of the employees via internet communication (the threat was made during working hours I was off work that day but the employee who threatened me was not). I did a screen print and saved it to a word document (I doubled clicked on my lap top clock to pop up the clock in the screen before I did the screen print to show the time and date of the screen print). I have been in and out of the doctor because of this. My doctor diagnosed me with anxiety and depression as a result of this. My weight has yo-yo'ed, I have constant headaches and nausea, I get shaky, I just burst into tears over the slightest things (I started crying over a Rice Crispy commercial) and I'm not an emotional person at all and no I'm not pregnant. HR refused to relocate me to a different office (there are 16 offices in the county I work in) during the investigation. I told them I feared for my saftey due to the threats and they said they cannot relocate me because if they did it for me they could do it for anyone and as of right now all I have are allegations. I told them I had notes, proof of conversations, proof of the threat; they still said if you don't go to work you will be fired. I talked to my doctor and he agrees my symptoms are due to stress from this whole ongoing harassment and situation. So he put me on temporary disability. Well my last paycheck was only 75% of my normal salary. Turns out my "coding" was changed to part time the day after I reported the harassment and when I called to find out about my pay they also told me "oh also as a part time employee you aren't eligible for short term disability pay". They also told me my manager has to open a claim to get me back pay for the hours I worked and didn't get paid. I asked my manager to open a claim but she didn't and now she is on vacation. All I wanted was to be able to go to work and do my job without being harassed and now all these problems have started...what am I supposed to do? I can't afford an attorney I'm not getting paid at the moment! To summarize: They violated the whistleblower confidentiality They changed me from a full time status to part time status without consent or even notification so they don't have to pay me short term disability They are making me pay out of pocket for my medical bills as apart of my disability claim (they are not allowing me to use my insurance) They are not protecting me under the whistleblower law They aren't paying me for hours worked

I am literally in totally shock. last night my husband received a phone call from his dad at about 3 in the morning saying he needed a ride home and that he was at his friends house. So my husband and I jumped up left to go pick up. when we got there his truck, his friends truck and her mobile home had all been run into, both cars being totaled, and there was a big black pickup facing the cars, with a smashed in front bumper and his front left tire was off. supposedly the next door neighbor was coming home with a few buddys in the car drunk, and was driving like an idiot through the trailer park, and lost control and hit both cars and his next door neighbors home. my father in law was leaving to come home but had only made it on the porch with his friend and her daughter behind him when it happened, all three of them saw this man get out,and walk over to his home and shut the door. they called the cops, but my husband and i got there first. at first they seemed to be on our side, then after about 5 cops were there, they walked over to the guys house and had him come out on the porch and talk to them. at first the guy claimed his truck had been stolen, then later claimed he had let a buddy borrow it. (keep in mind there was 3 witnesses who watched him get out of the truck) by the end of the ordeal the cops and admitted to us that he was drunk, told us he did not have insurance (which is illegal if you don't in the state of ky) and they also found that his tags on his license plate was not the ones belonging to his truck. while all his is going on, he is calling cops over by name, talking to all of them, laughing and giggling, and so was a friend of his. well turns out the cops didn't arrest this man! and when my husband demanded to know why, they told us "they did not see him do it, therefore they cant lock him up" then when my husband brings up the no insurance, the officer says, "no one locks you up for not having insurance" and when my husband reminded him the it was illegal in our state not to have it, and that he him self had been locked up once for not having insurance, the officer laughed and said " well the cop who locked you up did you wrong" then my hubby proceeded to remind them of the "switched tags" and again the cop said " there are no rules that require you to get locked up over tags" (aka tampering with tags!!) the drunken man the absolute who time was laughing and talking with at least one officer during all this, and was even allowed to go get all the things out of his truck before they towed it away! in my opinion this man could have been locked up and charged with a number of things including, fleeing the scene, DUI, public intoxication, no insurance and tampering with tags. not to mention this guy was so drunk that he kept yelling at me asking if "i was with tim" when I asked who tim was, he yelled "the mother f*ucker who keeps cooking dope in my trailer" and when i said "i don't know who tim is" he proceeded to call me a lying b*tch etc. all while the cops were right there. and when we finally went to leave to go home, he lunged towards my father in law, yelling a bunch of none sense. again while the cops sat there. I used to believe it was made up about "crooked cops" and i am in shock. i cant believe that ordeal was handled that way, almost as if my father in law was the bad guy. turns out the drunk guy is the leader of some big bike gang around here, so now my husband and I are worried. that truck was all my father in law had. literally. and now he has nothing. the cops pretty much shrugged and said "sue him" but the guy lives in a run down trailer park (honestly worst than i have even seen" supposedly he doesn't work and gets $6oo something per month on disability. Im not sure what to do.advice please? not sure if makes a diffrence but my father in law only had liability inserance insurance*

im on lawer.com and trying to find the right lawer my grandmother ate some food at mcdonalds and neary coked do to the food have paper in it so what kind of lawyer do i need Areas of Law Adoptions Automobile Accidents Bankruptcy Breach of Contract Business Law Business Litigation Child Custody Child Support Civil Litigation Civil Rights Collaborative Family Law Collections Commercial Litigation Construction Law Consumer Fraud Consumer Law Contracts Corporate Law Criminal Law DUI/DWI Debtor and Creditor Discrimination Divorce Domestic Violence Drug Crimes Education Law Elder Law Employment Contracts Entertainment Law Estate Litigation Estate Planning Expungements Family Law Fathers Rights Felonies Foreclosures General Practice Guardianship and Conservatorship Head and Spinal Injuries Immigration Insurance Intellectual Property Labor and Employment Landlord and Tenant Law Legal Malpractice Libel, Slander and Defamation Litigation Medical Malpractice Medicare and Medicaid Motorcycle Accidents Nursing Home Litigation Patents Personal Injury Police Misconduct Products Liability Real Estate Residential Real Estate Sex Crimes Sexual Harassment Slip and Fall Social Security Social Security Disability Taxation Traffic Violations Trucking Accidents Trusts and Estates White Collar Crime Wills and Probate Workers Compensation Wrongful Death Wrongful Termination

How many of you agree Teddy truly was? In 1964, despite having just suffered significant injuries in a plan crash, Ted Kennedy stood on the floor of the US Senate and gave an impassioned speech in an effort to convince southern Democrats to end the filibuster of the Civil Rights Act that was later signed into law by President Johnson. In 1965, Ted Kennedy managed the passage of Immigration and Nationality Act, which struck down discriminatory immigration quotas which favored European immigration. Ted Kennedy amended the Voting Rights Act of 1965 to lower voting rights to 18 year olds. This laid the basis for 26th constitutional amendment - lowering the voting age from 21 to age 18. Ted Kennedy helped overhaul the passage of the 1971 National Cancer Act which gave the FDA broad authority to regulate the tobacco industry - also strengthening the National Cancer Institute. Ted Kennedy championed the 1972 Meals on Wheels Act to assist those who cannot prepare meals on their own. Ted Kennedy wrote the Refugee Act of 1980, providing a standard for allowing worldwide refugees into the country on a systematic basis for humanitarian reasons. Ted Kennedy introduced the 1980 Civil Rights for Institutionalized Persons Act which guaranteed civil rights and liberties for those living in government run institutions (the mentally ill, elderly, and incarcerated etc.) In 1985, Ted Kennedy introduced the Anti-Apartheid Act, thereby imposing economic sanctions against the racist South African regime until they reformed. The act banned American investments in South African businesses and SA product imports. It was passed by Congress despite President Reagan's veto. Ted Kennedy got the National Military Child Care Act passed. It established the United States Defense Department’s child care system. Ted Kennedy introduced the 1990 Americans With Disabilities Act and fought for its eventual passage. The act prohibits employers from discriminating in the workplace against job applicants who have a disability. ed Kennedy got the 1993 Family and Medical Leave Act passed - which allows for an employee to take a job-protected, temporary unpaid leave of absence due to a serious health condition (or the need to care for an ill family member) - that incapacitates the employee from being able to preform his/her job. Ted Kennedy co-sponsored the 1997 State Children’s Health Insurance Program (SCHIP) which now covers 10 million, poor uninsured American children. His legislative efforts led to the establishment of the 1997 Amber Alert Emergency System - now a national standard used by state authorities to locate missing/abducted and exploited children in North America. Ted Kennedy sponsored the Pension Protection Act of 2006 - it strengthened the financial condition of pension plans, improved taxpayer protections, and their transparency. Oh yeah, I forgot about the how Teddy pushed through the Federal Election Campaign Act Amendments of 1974 which limited individual donations to political campaigns and set up public financing for presidential elections.

On Abortion -Supports overturning Roe v. Wade -Opposes all abortions except in cases of rape, incest involving an minor girl, or when delivering the child would endanger the life of the mother -Voted Yes on Proposition 4 (2008), which would have required parental notification and a 48 hour waiting period before a minor could have an abortion -Rated 98% by The National Right to Life Commitee and 2% by NARAL Pro-Choice America, a Pro-Life stance On Economics -Supports the free market capitalist system -Oppose over-regulation of business -Supports lowering taxes for all income brackets -Supports a flat income tax rate -Opposes the California raise on the sales tax rate -Opposes President Barack Obama's 2009 stimulus plan -Opposed welfare without an incentive to get an education and find work, but other wise supports it for those who qualify and show initiative to become self-sufficient -Staunchly opposes the President's socialized medicine plans On Education -Supports the use of school vouchers -Supports teaching abstinecnce alongside other contraceptive methods -Supports teaching intelligent design alongside evolution -Supports optional prayer in schools -Supports imcreasing funding for private school vouchers and federal and state financial aid for post-secondary eduaction -Supports the right to home school -Supports funding for charter schools and magnet schools -Supports aid to private schools even religous schools if the public funds are used for secular purposes only -Supporst aiding students with disabilities -Opposes teaching homosexuality to children before they begin sex ed, and we should have an opt-out policy for students and parents will moral objections On The War on Terrorism -Believes we must win the war on terror -Stay the course in Iraq -Believes that international terrorism continues to be a threat to America -Supports waterboarding, said "These people wern't worried about our rights when they were killing inncocent Americans." -Opposes the shutdown of Guantanamo Bay -Believes in spreading democracy around the world, the U.S. should act as a liberator of people living under opressive governments around the world On Crime -Opposed legalization of marijuana, but advoates reform in how drug laws are enforced -Supports rehabilitation for non-violent drug offenders -Supports the use of the death penalty but only in 1st degree murder cases -Opposes hate crime legislation -Opposes police racial profiling and misconduct, but supports the actions of fair peace officers who serve their community -Voted Yes on Proposition 5 (2008) which would have expanded treatment programs for non-violent drug offenders -Voted Yes on Proposition 6 (2008) which would have cracked down harder on gang violence On Civil Liberties and Rights -Rated 97% by the National Rifle Association, a Pro-Gun stance -Supports same-sex marriage rights -Supports including LGBT Americans in anti-discrimination laws -Voted No on Proposition 8 (2008) which would have retained the right of same-sex couples to marry in California if the measure had failed -Opposes the military's "Don't Ask, Don't Tell" policy -Opposes affirmative action -Said he opposes judges who "legislate from the bench" -Opposes legislation that limits a law abiding citizen's 2nd Amendmet right to purchase and own a firearm -Opposes hate crime legislation -Supports equal pay for equal work, regardless of gender -Supports extending insurance healthcare benefits to same-sex couples who are married where it is legal and/or in a civil union or registered domestic partnership -Supports gay adoption, but gives preference to married heterosexual couples -Considers himself a populist, opposes "elitism" -Rated 78% by the ACLU, a mostly Pro-Civil Rights stance -Most points off from the ACLU rating were due to his Pro-Life stance and opposition to judicial activism, most positive points were due to his Pro-Gay stance on most issues

My mother/father in law recently co-signed on a car loan for their grandson. He went 3 months without paying a payment, then wrecked the car. Turns out he didn't even have insurance on the car. So now the car is totalled and they still owe $11,000 on the car. They cannot afford to make the payments on the car. They have decided to trade the 2 vehicles they own in on a new vehicle and let the totalled car get repo'd. They do not own a home or anything else of value and they are both on fixed disability income. They know they will be liable for the car loan, but can their wages be garnished? One is on SS Disability and the other is on RRB disability. What else will happen to them, other than their credit being ruined?? And what will happen to the POS grandson that caused all this mess?? I agree that someone needs to put the grandson in his place. That's part of the reason they've decided to do the repo. If they just keep making the payments, which would strain them unbelievably, then he gets off without any responsibility whatsoever. So they decided to teach him a lesson, even though it will hurt them also. His wages will be garnished, and theirs cannot. He will not pay any money any other way. They have already taken out a small loan to catch his 3 months of late payments up, and simply cannot afford to pay anymore. I encouraged him to take him to small claims court for the total of the small loan and towing expense it took to get the wrecked car into storage. I've never dealt with this, so I really don't feel comfortable advising either way tho. I like to pay my bills and keep my good name clean. :)

Does a disability insurance company have some sort of time limit to make a decision on a clam. I'm switching over from short term to long term disability. But it's been over eight months of one thing after another. They ran out of excuses to give to me why they are still reviewing the claim. Now they simply say we haven't made our decision. i'm getting to a point where i'm going to get a lawyer. BUt i don't want to because i will have to pay the lawyer a percentage of my claim. Is there some sort of state law to protect a person against insurance companies stalling on a claim. THis is crazy. hurt my back and can't do my job anymore

My wife and I went to her credit union to purchase life insurance for me because now I am disabled due to a chronic back injury. The credit union subcontracts it out, so the insurance company has a rep. there 2x a week. We met with her and she said, "sorry we can't insure you, we don't sell life insurance to people who are disabled". I explained that my disability is from a chronic injury to my back, not a life threatening illness and I have the same life expectancy as anyone else. We also told her that we needed life insurance, not health insurance! She then refused to even take our application and tried to sell us some "hospital stay insurance". In a couple of days, we spoke to management of the credit union and they said that they had no control over the insurance company policies, so we must contact the insurance company, but when I went to their website, all they have is a PO box address! (http://www.familysecurityplan.com) I just looked this up in the ADA: III-3.5000 Discrimination on the basis of association. A public accommodation may not discriminate against individuals or entities because of their known relationship or association with persons who have disabilities. This prohibition applies to cases where the public accommodation has knowledge of both the individual's disability and his or her relationship to another individual or entity. In addition to familial relationships, the prohibition covers any type of association between the individual or entity that is discriminated against and the individual or individuals with disabilities, if the discrimination is actually based on the disability. ILLUSTRATION 1: The owner of a building may not refuse to lease space to a medical facility because the facility specializes in treatment of individuals with HIV disease. ILLUSTRATION 2: If a theater refuses to admit K, an individual with cerebral palsy, as well as L (his brother) because K has cerebral palsy, the theater would be illegally discriminating against L on the basis of his association with K. III-3.11000 Insurance. Insurance offices are places of public accommodation and, as such, may not discriminate on the basis of disability in the sale of insurance contracts or in the terms or conditions of the insurance contracts they offer. Because of the nature of the insurance business, however, consideration of disability in the sale of insurance contracts does not always constitute "discrimination. " An insurer or other public accommodation may underwrite, classify, or administer risks that are based on or not inconsistent with State law, provided that such practices are not used to evade the purposes of the ADA. Thus, a public accommodation may offer a plan that limits certain kinds of coverage based on classification of risk, but may not refuse to insure, or refuse to continue to insure, or limit the amount, extent, or kind of coverage available to an individual, or charge a different rate for the same coverage solely because of a physical or mental impairment, except where the refusal, limitation, or rate differential is based on sound actuarial principles or is related to actual or reasonably anticipated experience. The ADA, therefore, does not prohibit use of legitimate actuarial considerations to justify differential treatment of individuals with disabilities in insurance. ILLUSTRATION: A person who has cerebral palsy may not be denied coverage based on disability independent of actuarial risk classification. Can a group health insurance policy have a pre-existing condition exclusion? Yes. An individual with a pre-existing condition may be denied coverage for that condition for the period specified in the policy. However, the individual cannot be denied coverage for illness or injuries unrelated to the pre-existing condition. Can an insurance policy limit coverage for certain procedures or treatments? Yes, but it may not entirely deny coverage to a person with a disability. Does the ADA require insurance companies to provide a copy of the actuarial data on which its actions are based at the request of the applicant? The ADA does not require it. Under some State regulatory schemes, however, insurers may have to file such actuarial information with the State regulatory agency, and this information may be obtainable at the State level. Does the ADA apply only to life and health insurance? No. Although life and health insurance are the areas where the ADA will have its greatest application, the ADA applies equally to unjustified discrimination in all types of insurance, including property and casualty insurance, provided by public accommodations. Have my rights been violated under the ADA per above? I need life insurance because I no longer have it since I lost my job.

I’ve just turned 16 and I am pregnant. I want to move in with my boyfriend at his new apartment. He has two jobs and makes enough money to support us, but I also have a part time job. I’ve bought a car and I’ve paid for car insurance. I am ahead in high school and my plan is to obtain all of my required credits around April. Four years of my college will automatically be paid for by my Dad’s veteran disability benefits. My dad lives in Europe and he said that he would be okay with emancipation if his consent was needed. I am confident that my boyfriend and I can support our child on our own. The only problem is that I know that my mom won’t approve, especially when she finds out that I’m pregnant. When she finds out that I’m going to be having a baby she will want to try and make all my choices even more than she wants to now. If I don’t get out now and learn how to support myself before my child is born it will be a lot harder learning to support us at once. I’m sure that in court I would easily be able to be emancipated if only my mother would consent. Since she doesn’t I really don’t know how I should go about this. The laws for emancipation in the state of Alaska are •The child must be a resident of Alaska •The child has to be at least 16 years of age •The child must be living separate and apart from the parents or guardian •The child must be capable of supporting himself or herself financially and managing his or her own affairs •Each parent or guardian must consent (although there are certain exceptions) I don’t know how to go about this if I’m not already supporting myself for six months and living on my own. If I leave home my mom will call me in as a runaway. I’m assuming that the parental consent exceptions are something other than my case. On the form it really focuses on whether schooling is or will be finished, when it will be finished and how I will go about it. It asks about a job, which I already have and about my rent situation. There are also other financial questions, but I am not out on my own and able to answer these questions on the form. I’m just looking for any advice that I’m not already informed of. I want to know how someone else would go about this. I’m not going to give up on moving out and supporting myself and my child. Thank you so much for listening. My mom will always help me, but I need to learn to be responsible for myself as much as I am able. I want and answer about how I should go about the process. This is not to get away from my mom, it is to build my maturity and responsibility. In a family where I have and child I would rely on the father to be responsible, love me and be supportive. This is what I have in my boyfriend. I wouldn't be with someone without these qualities for as long as I have.