New California law guards consumers from LTC insurance premium increases California legislatures recently passed a new law designed to protect consumers from being taken advantage of by insurance companies providing long-term care, or LTC, policies. These insurance policies are designed to provide consumers with assistance funding long-term care facilities like assisted living facilities, nursing homes and home care programs. Long-term care facilities may be needed when an individual is no longer able to take care of themselves. Insurance companies consider a person ...

Estate planning: It's for everybody Pennsylvanians of all ages and income levels, take note: estate planning can benefit you. Many people of modest means believe that only the wealthy need to plan ahead for what will happen to their possessions, but that is a misconception. Why everyone needs to plan The future is uncertain, and people cannot predict their life span or when the need for estate planning will arise. It is better to plan early and have decades of peace of mind than to wait until it is too late. Plans can be readily changed throughout a lifetime, so ...

Protecting children's interests in blended families Getting divorced and remarried have become common occurrences for people in Pennsylvania and across the country. Over half of all couples in first marriages eventually get divorced, according to the National Stepfamily Resource Center. In addition, three-quarters of those who divorce will get married again. Blended families make for complex finances A Pew Research Center study this year found that over 40 percent of adults in the United States have at least one step-relative. Considering that people already have ...

Coloradans who lost homes to foreclosure may qualify for reimbursement In September 2012, the Colorado attorney general mailed letters to Colorado residents who may qualify for reimbursement from the national mortgage settlement that the five largest mortgage lenders in the U.S. reached with the federal government and 49 state governments, informing people of the deadlines for filing claims. People in Colorado should be aware of the details of the national mortgage settlement, the provisions the settlement includes for payments to borrowers to reimburse them for their ...

Dealing With the Aftermath of a Natural Disaster in Texas Super Storm Sandy caused billions of dollars of damage throughout the East Coast and 20 states. According to a study by Scientific American, the storm has the potential to be the most expensive in the history of the U.S. Moody's has estimated the damage at $50 billion. Part of the high cost came from where Sandy made landfall, as it struck one of the most crowded corridors in the U.S. Of course, Texans are no strangers to hurricane damage to their homes and businesses, either. No matter where a hurricane, tornado ...

Common Commercial Hurricane Damage Claim Disputes in Texas Insurance companies are experienced at contesting certain types of claims that result from hurricanes and large storms. With Super Storm Sandy leaving $50 billion in damage, according to an estimate by Moody's, rebuilding damage in the wake of a devastating storm is on many people's minds. The reason an insurance company may deny or underpay on a claim is varied and depends on the type of insurance coverage, the provisions in the coverage and the integrity of the insurance company. Type of Water Damage Water ...

Preventing Pedestrian Injuries in Texas One person died every three hours on Texas roadways in 2011 and The Texas Department of Transportation is trying to change this by asking drivers to "Drive Friendly, Drive Safe." Officials from the Texas DOT recall having to give death notifications to families informing them that their loved ones have been killed in a car crash. One Texas DOT spokesperson said that he hates using the word accident when it comes to giving these notifications because they are not usually accidents but something caused by people who are ...

New Study: Years Required to Recover from Traumatic Brain Injury According to the Centers for Disease Control and Prevention (CDC), approximately 1.7 million people in the United States suffer traumatic brain injuries (TBIs) each year. And while physicians have long recognized that even mild TBIs can cause serious problems, researchers have discovered that they may be even more dangerous than previously believed. Indeed, a recent study out of the University of Oklahoma suggests that symptoms of traumatic brain injuries may last for years without decreasing in intensity. Details ...

After the Divorce: When Parents Disagree Raising a child involves many decisions. Some of these decisions are day-to-day, while others are huge decisions that have much more impact on a child and their development. Often, when parents get divorced, there is disagreement that takes place on what each person thinks is best for the child. Knowing some possible disagreement points, and knowing how to cut down on those disagreements is beneficial and overall, much better for the child. Problems Faced by Parents Parents often face problems and disagreements about the ...

Illinois Child Support Calculation May Change Illinois parents who pay or receive child support are accustomed to the current model for determining the amount of support. Under this model, the parent who does not live with the child pays a percentage of net income to the parent who lives with the child. Support percentage varies depending on how many children there are. Under the percentage of income model, parents currently have no established provisions for adjusting child support when each parent spends a substantial amount of time with the child. Other circumstances ...

Banks' Incompetence Hurts Homeowners In Indiana and the rest of the nation, foreclosures became almost an epidemic over the past few years. One strategy for homeowners desperate to keep their homes in spite of financial hardship is to ask their banks for a loan modification. Loan modifications would seem to be advantageous all the way around: A modification helps the homeowner by reducing the monthly loan payment to an affordable level, and it helps the lender by keeping mortgage payments coming. However, loan modification is not being used as much as anticipated to ...

Johnson & Johnson Faces More Potential Product Liability in Hip Replacements The medical device and pharmaceutical maker, Johnson & Johnson, faces a second set of product liability lawsuits and another potential recall concerning its portfolio of all-metal artificial hips. Two years ago, Johnson & Johnson conducted a $3 billion recall for and faced product liability suits over its ASR all-metal artificial hips. Now its successor, the Pinnacle metal-on-metal hip system is under fire for potential design defects leading to replacements and potential health ...

White Collar Crimes Carry Serious Penalties It is a common misconception that those who are convicted of white collar crimes do not spend time in "real" prisons. Indeed, many people believe that those facing prison sentences for crimes like securities fraud, mortgage fraud, or tax evasion do time in a "country club" atmosphere, where they are spared the indignities of normal prison life. The fact is, however, that convictions for white collar crimes can bring serious prison sentences in harsh conditions. The Prison Routine Even in low security ...

New Missouri Law on Requiring Ignition Interlock Devices Missouri has recently changed its law regarding ignition interlock devices and drinking and driving. The change in the law means that those convicted of drinking and driving in Missouri will face greater penalty. The New Law The new law was recently signed by Governor Nixon and makes it mandatory for all convicted drunk drivers to have ignition interlock devices placed in their cars after being convicted of an offense. These devices will be installed for a 75-day period. If at any time during that 75 days ...

Social Security Disability Applicants Face Unprecedented Delays With the Social Security Administration staggering under the weight of an unprecedented caseload, families and individuals in need of disability benefits are facing wait times of months or even years. In a startling number of cases, the wait is simply too long: About 2,000 cases were dismissed in 2011 because the claimant died, according to the SSA. In recent years, a number of factors have converged to place additional strain on the overburdened Social Security system. With growing numbers of baby boomers ...

Study shows consumers do not blame well liked companies California residents who have experienced issues with a recently purchased product may not always blame the company who made it, according to a recent study. The study was conducted by authors from universities in Australia, Canada, and Turkey. It appeared in the June issue of the American Marketing Association's Journal of Marketing Research. The study reveals that there are a variety of factors that determine whether or not consumers blame companies for defective or dangerous products. Defective Products ...

CSIC invites everyone to come enjoy an eclectic program of music performed by award-winning CSIC board members, student composers, and special guests from the Bay Area music scene. CSIC invites Bay Area music teachers and professional composers to learn about their programs and discover how composers and schools are working together in support of music education and the creation of new music. "Our holiday concert represents what our nationwide programs strive to do, which is to have students and composers collaborating together. We have a very special evening planned ...

On Dec. 11, 2012, Scranton and Wilkes-Barre, Pa. personal injury lawyer Melissa A. Scartelli of Scartelli Olszewski, P.C. will speak at the Pennsylvania Bar Institute's 19th Annual Auto Law Update, a four-credit CLE, at the Hilton Conference Center in Scranton. Scartelli, a Pennsylvania accident attorney, will address unique tips in deposing independent and expert witnesses. She will discuss all aspects of handling proper witness depositions in relation to an automobile accident including procedural aspects of working with independent witnesses, contact with witnesses, ...

At The Donor Egg Meeting in 2013, a nationally recognized panel of doctors, scientists and other health professionals will address reproductive endocrinologists, lab professionals, nurses and mental health professionals in this rapidly expanding segment of in-vitro fertilization. With progressive medical and legal considerations surrounding the donation of a woman's eggs and the freezing of eggs for future fertility options, Reproductive Endocrinologists John Schnorr, MD and Michael Slowey, MD, co-founders of Coastal Fertility Specialists, join the nationally recognized ...

Julie Le Franc has a Master's Degree in Psychoanalytic, a rigorous program of clinical studies and research in psychoanalytic theory and practice. As a major component of her training she has many years of personal analysis and clinical supervision. Julie Le Franc is a Member of the Australian Psychological Society (MAPS) and is registered with the Psychology Board of Australia (AHPRA). Julie works with the medical model. She has attended Neuroscience Conferences and medical meetings with her ex-husband/Psychiatrist and continues to attend workshops, pharmaceutical meetings ...

Parry's Pizza in Highlands Ranch, CO and in Castle Rock, CO will be conducting a party celebrating the last night on earth. The party is called the, End of the World Party - 2012. A special menu will be served, in addition to the regular menu, that is themed after one's "last supper". On this menu will be famous last meal requests as well as some menu items that if eaten, you'd have no regrets (because the end of the world has just occurred.) There will also be special firkins on hand from Odell Brewing and Oskar Blues Brewing. This themed party will begin ...

As autumn leaves are making way for winter snowflakes, an excitement fills the air. Plans are being made for Thanksgiving gatherings of families and friends. Ever since the Pilgrims gave thanks to God for a safe journey across the seas to a new home land promising religious freedom, American families have been giving thanks for their blessings -- especially on Thanksgiving Day. These special moments can live on in Family Thanksgiving Reverse personalized picture frames exclusively by GiftWorksPlus. This wooden photo frame can be engraved with a family name, date, and ...

Rifkin Consulting announced updated custom attorney recruiter services today. To better serve their clients and candidate pool, Rifkin Consulting has customized their service offerings with an updated website, blog and LinkedIn social media connections. Law firms seeking premiere talent and candidates seeking top tier law firms need look no further for that personalized touch. Rifkin Consulting's focus on personalization and relationship building really shines from their updated website to their personalized blogs. Candidates and search firms alike can log on to find ...

Today Support Plus Medical, the online retailer division of American Diabetes Services is pleased to announce a new exciting partnership with SD Biosensor. As a global leader in the development of advanced biosensor technology, SD Biosensor meets and exceeds the exceptional quality that consumers value in critical diabetic testing previously supplied by American Diabetes Services and for cash patients through the leading membership based online DME, http://www.supportplusmedical.com. As evidenced by their newest FDA approved meter, the GlucoNavii, SD Biosensor's products ...

Dial An Exchange, the largest privately held timeshare exchange company in the world, announces fantastic travel options for holiday-makers looking for creative ways to celebrate the Thanksgiving holiday. Whether it's the historic home of the Pilgrims, Massachusetts, or a colonial-era destination such as Williamsburg, VA, countless vacation destinations are available through Dial An Exchange's efficient online timeshare exchange service. Vacationers can know immediately whether their exchange is approved, without the frustrating need to call for confirmation, and membership ...