Sunday, December 28, 2008

Wednesday, December 24, 2008

I'm 22, perfect health, one child: What do I need to know to get a good life insurance policy

I'm 22, perfect health, one child: What do I need to know to get a good life insurance policy?
My son is a special needs child, and if anything were to happen to me, I would want my family to have a way to provide for him. I am just wondering what sort of life insurance policies are out there and where should I start looking?
Insurance - 3 Answers
Random Answers, Critics, Comments, Opinions :
1 :
I'm responding from a point of view of a mother - When I was considering insurance for my child, I took care to select policies do not overly burden my child when my child is older and paying for the insurance - e.g. policies that I can pay up in 10 years (but cover my child for life), or policies that require my child to pay a small sum (like $100 per year but be covered for life kind of thing). My parents bought me policies years ago, and when I took over them in my 20s, I realized these policies require me to pay a considerable sum (to the tune of $3000 per year) for the rest of my life - this is something I wanted to avoid at all costs for my child.
2 :
Life insurance is a good thing for you to get in case something happens to you. The cheapest policy is a term policy with level payments for a certain amount of year, such as 30 years with level payments. The beneficiary part is what is the most important part of the policy. If your son is special needs you need a "Special Needs Trust". You can do it yourself or have an attorney or financial advisor do it for you. This way the money is spent in a certain way for your child.
3 :
Well, you start out by setting a concrete goal - what you want the policy to do for you. Then, you have to compare the cost of the coverage, with what your money is worth, if you could invest it on your own. Many times, with a special needs child, you are going to want that policy in force your entire life, because that child will ALWAYS need care. If that's the case, you want to purchase whole life insurance. If you think you're going to earn enough to be able to stockpile significant assets on your own, or (horrible to say, but it has to be said) if your child has a terminal disability like cystic fibrosis, then you probably only need a 20 year term life insurance policy. The first place to start, is by defining your need, and defining how long you're going to HAVE that need.



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Saturday, December 20, 2008

What will happen if a man is ordered by the court to by health insurance by the court for his child and does n


 

What will happen if a man is ordered by the court to by health insurance by the court for his child and does n?
What will happen if a man is ordered by the court to by health insurance by the court for his child and does not pay? But child support is deducted from his pay check.
Parenting - 2 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Then he has broken the order and they can either send him to jail, or deduct the premiums from his check. Unfortunately there is not a lot they can do to one who won't pay. Send him to jail where he can't make money to pay? Deduct it from his check and he goes underground. I'm thinking a public humiliation thing might just work on theses guys.
2 :
I think you need to edit your question because it doesn't make sense. If a "man" has to get court ordered to pay child support and have it automatically deducted from his pay, he is not taking responsibility.



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Tuesday, December 16, 2008

Would you keep your health comprimised child home from school if Swine surfaces in your town

Would you keep your health comprimised child home from school if Swine surfaces in your town?
Or have them wear a facemask?
Parenting - 21 Answers
Random Answers, Critics, Comments, Opinions :
1 :
absolutly she wouldnt even go outside
2 :
Yes, that would be the appropriate action. Hell, school is almost out anyway.
3 :
Yes (daycare)
4 :
They would miss school.
5 :
Absolutely, if the child's health is compromised in any way.
6 :
My grandsons won't walk out the door!!!
7 :
if they were truly health compromised yes, i'd do keep them home from school, and yes, possibly wear a face mask that was the correct one to wear.
8 :
Absolutely. Schools today seem to have a hard time keeping viruses and other things from spreading around school. I think my daughter and I would both be upset if she had to miss school so I might consider sending her in a mask and speaking to her teacher and the school nurse. However, if your child already has health issues I would definitely keep the child at home. The swine flu is even deadlier that the normal flu and young children (and elderly) are especially susceptible to both.
9 :
why a facemask? you do know that swine flu isn't airborne? yes, you can breath normally, no need to go buy a class 3 HAZMAT suit. just wash your hands, and try not to touch other people.
10 :
If my child had a history of catching every bug around, they would definitely stay home. I would not trust the mask to filter out all the germs. Now, personally, my two youngest hardly ever get sick. They seem to have pretty good immune systems. For them, I probably would be comfortable sending them to school and relying on a mask. I don't see it as over reacting, I see it as playing the "better safe than sorry" card.
11 :
Yes!!! Then again, I'm more than likely don't going ATM to get what I need. Its not even in my state yet. I think.
12 :
Face mask does NOT necessarily help to keep from getting swine flu. You are actually trapping germs in. It is recommended for people who ALREADY have it to stop it from spreading. And yes I would keep a health compromised child home. A healthy child no. But an already sickly child yes.
13 :
She would stay home. my husband and I are already making plans to adjust our schedules and keep her home full time if it reaches this area. I don't care what kind of leave we exhaust at work...her health is now and will always he our top priority.
14 :
my older daughter has severe asthma and her trigger is viruses. our school system just alerted us to the fact that some kids from the school had been in the affected area of Mexico over break, and that some other kids in our town had been in Central America over break and were reporting flu symptoms (but it's apparently regular flu season there so there's no particular reason to believe it's swine flu). i thought about it and sent her to school. i told her to wash her hands before eating. if someone in her school is actually diagosed with swine flu i'll consider it again. but i'm not keeping her home forever just in case. she could come home with any virus that could send her to the hospital any day. forgoing life to protect your life doesn't make a lot of sense to me.
15 :
No school for them
16 :
Yes, I would take her out of daycare if cases were found in our city. She's so suseptible to everything anyway, why take the risk
17 :
yes i would keep them home . we already have a case in our county.
18 :
If they were truly immunity compromised, yes, especially since this is a KNOWN strain of influenza that humans have no immunity to. We live in California less than 30 minutes away from where 1 of the known cases of Swine Flu has recently surfaced and I'm certain it will make it's way to our town, to my kids schools and the ER I work in...I have bumped up nutritional measures Known to heighten natural immunities for myself and my kids and I leave it at that. I'm not overly worried, there are Flu's that make their rounds every year that humans have no immunity to, we just aren't made as aware of those as we are being made aware of this one. Face Masks are minimally helpful at best...Wash, Wash, Wash your hands and don't touch your face, nose or mouth.
19 :
I would definitely keep my child home from school if their health was compromised at school. The swine flu seems to be a bacterial flu. Wash, wash, wash... Disinfect, wash again.
20 :
yes my 3 year old has a weak immune system he was just hospitalized last month just for having a stomach bug so he would be under lock and key and he would stay in the house I am already taking precautions no going out to eat no chuck e cheese no park no public restrooms and if we go shopping I wipe the cart handle with a clorox wipe and we are hand sanitizing to death I know I sound crazy but I don't think my son could fight such a bad illness off.
21 :
I would keep my very healthy child home. i would rather say, "wasn't that silly", rather then "boy I wish I had". I choose not to expose my child to something that might kill them.




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Friday, December 12, 2008

Bush vetoes child health plan money, but not war funds




Bush vetoes child health plan money, but not war funds?
Bush says.."too much money for child health' ???? What a monster of a Prez we have. Billions spent on war, no end in sight, but he vetoes increased funding for children.
Politics - 16 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Bush dragged down the Republican party, thanks to him we will have the first woman president!
2 :
There's Constitutional authority for military action and budgeting. There is NO Constitutional authority for socialism.
3 :
He vetoed an increase. Jebus H Christ, if you are this unknowing over something simple, please do not try anything dangerous.
4 :
It's not for poor children, it includes children and non-pregant adults. The war will end,, taxes never end.... Read the entire bill and get enlightened.... SEC. 114. LIMITATION ON MATCHING RATE FOR STATES THAT PROPOSE TO COVER CHILDREN WITH EFFECTIVE FAMILY INCOME THAT EXCEEDS 300 PERCENT OF THE POVERTY LINE. (a) FMAP Applied to Expenditures- Section 2105(c) (42 U.S.C. 1397ee(c)) is amended by adding at the end the following new paragraph: `(8) LIMITATION ON MATCHING RATE FOR EXPENDITURES FOR CHILD HEALTH ASSISTANCE PROVIDED TO CHILDREN WHOSE EFFECTIVE FAMILY INCOME EXCEEDS 300 PERCENT OF THE POVERTY LINE- `(A) FMAP APPLIED TO EXPENDITURES- Except as provided in subparagraph (B), for fiscal years beginning with fiscal year 2008, the Federal medical assistance percentage (as determined under section 1905(b) without regard to clause (4) of such section) shall be substituted for the enhanced FMAP under subsection (a)(1) with respect to any expenditures for providing child health assistance or health benefits coverage for a targeted low-income child whose effective family income would exceed 300 percent of the poverty line but for the application of a general exclusion of a block of income that is not determined by type of expense or type of income. `(B) EXCEPTION- Subparagraph (A) shall not apply to any State that, on the date of enactment of the Children's Health Insurance Program Reauthorization Act of 2007, has an approved State plan amendment or waiver to provide, or has enacted a State law to submit a State plan amendment to provide, expenditures described in such subparagraph under the State child health plan.'. (b) Rule of Construction- Nothing in the amendments made by this section shall be construed as-- (1) changing any income eligibility level for children under title XXI of the Social Security Act; or (2) changing the flexibility provided States under such title to establish the income eligibility level for targeted low-income children under a State child health plan and the methodologies used by the State to determine income or assets under such plan. SEC. 115. STATE AUTHORITY UNDER MEDICAID.
5 :
Actually he may veto the defense bill too. Without line item veto the whole bill has to go. Those riders are a killer.
6 :
And where are the childrens parents? And if you look at the proposed bill instead of just spouting off about it, you will see the DEMOCRATS tried to tack on PORK AGAIN!!!!!!!!
7 :
C'mon now, he can't very well fund health care for children here in America and fund the war which kills children over in Iraq. That might be considered a "flip-flop." Bush is just anti-children no matter what country they're in!
8 :
But health care for kids is SOCIALISM!
9 :
Who cares about American children, its the Iraqi children which come first....paying for them for the next 5+ years.
10 :
You have to understand, the children will not make him & Chaney any money! The war is making them rich! The heck with the future of this country, he has been thumbing his nose at us since he took over!
11 :
Bush is proud of providing health care for children, in Iraq. He's all over TV touting it. But for some reason he can't support it in the US. His military budget is larger than all countries in the world combined but he can't find a dime for little children. Wow are his priorities screwed up.
12 :
It shows his priorities. He and his Republican buddies care only for their corporate benefactors and not the will of the people. The obstructionist Republicans in Congress are doing all they can to obstruct the will of the people. It just comes clearer and clearer where their priorities lie and they are not with the people.
13 :
Oh NO, not increased funding for CHILDREN! Pay your own stinking medical bills. I have kids of my own. I pay for THEIR health insurance. I am not obligated to pay for YOUR kids' health insurance. Get a freaking JOB!
14 :
His kids are all grown up have their plastic surgery all done, lobster on their plates everyday, why do our kids need anything??
15 :
President Bush vetoed a bill which was simply the narrow end of the Dems wedge of socialized medicine. If the socialists (er, I mean liberals) really want to help kids and not just play political games for the press they should draft a bill that addresses the problem of uninsured children without adding political pork, grandstanding ( spelled L Y I N G )for the media, or trying to force socialized medicine down our throats. For the record, I DO believe that all children should be medically insured. I just don't think that socialism is the answer.
16 :
Please read this, I would be grateful if you did. When you factor in inflation, we are spending the same amount we spent in peacetime. Hard to believe, but in peacetime, every training mission results in combat, vehicles are used as they would be in hostile situations on a regular basis, and it wears things down. In war, not every mission ends up with a fight, most of the time is spent outside of combat and it shows. Factories that refurbish military equipment have not needed to increase production, they are running the same they did before the war. If you look at the stocks of some companies who make military equipment, they have actually gone down. Now about the healthcare, the President didnt actually say it was too much, it was actually not much at all, but the way that it would be run was not satisfactory to many republicans. It is a well known fact that doctors love to overbill insurance companies, it became an epidemic in the 80's and early 90's that ended up with many cases of people being rejected for life saving treatment only to die. I think we have all heard of the time that man died of a heart attack in the ER because his insurance took to long to clear. The point of this all is that you cannot give anybody a free check, they will abuse it. Something I would like to point out to you, something that people who have supplied you with this information dont want you to know, is that if you go to a hospital and cant pay, the government picks up the check anyway. Im being completely serious. Not only that, but as someone who grew up in the gutter, I know from experience that there are clinics that give free immunizations and health care to anybody, rich or poor. As the system stands now, if you need care, you will get it, but you are encouraged to make your best effort. I know that I get coverage for my entire family for $300 month, and was more than able to make those payments, rent, insurance, and food with my $8hr job. I find it hard to imagine that someone cant. There is not a single hospital that will just let you die, or will not give you medication you require. Even for me, when I went to the hospital for a stomach ulcer, they gave me the same medicine I would have paid $350 a week for, but for free because they got it for FREE from the drug companies for people who need it. If you are under the impression that there are people who aren't covered, its only because thats what it seems like from the information we receive from news and online. We simply assume that because it was rejected, then we dont have anything in the first place.





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Monday, December 8, 2008

How can you get health insurance for child you have temporary custody for

How can you get health insurance for child you have temporary custody for?
I am wondering if there is a way to get health insurance for my niece if she comes to live with me for a year? She's 11 years old. Her parents live in CA, she might come to live with us in FL for one year....I wouldn't be her Legal Guardian because we cannot go to court in CA, plus it's only for one year...
Insurance - 3 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Honey if she comes to live with you, I'd be damn sure I had the proper paperwork..ie parental consent, since you wouldn't be able to take her to the doctor for so much as a cold without that. And if it's only for a year, do her parents have insurance on her, then she would still be covered, otherwise you need to speak with an insurance agent. And I'd talk to a lawyer to make sure I've got the proper paperwork.
2 :
Ask your niece's parents if their daughter is covered by their health insurance. If they have health insurance for your niece, then you'll need a copy of her insurance information anyway to present to the ER or doctor's office. Whether they have insurance or not, ask them how they want you to handle the situation should your niece suddenly need unexpected medical care. Do they have backup phone no.'s they can give you in case of an emergency? Because the ER, first and foremost, is going to want to have a signed permission slip from one of her parents before they treat your niece at all (with the exception of a life-or-death emergency).
3 :
If it's through the courts, then most likely she'd be insured under the state children's health insurance program (welfare health insurance) just like any OTHER foster child. But if this is a private arrangement, the parents would have to keep her on their insurance, and give you medical power of attorney and guardianship (after all, without that, you can't even enroll her in school!). You cannot add her to YOUR insurance. Her legal guardian could ALSO buy a private health insurance policy for her - but if you are not her legal guardian, you can't even buy her a policy.




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Thursday, December 4, 2008

How can you get your child off of a step parent's health insurance



How can you get your child off of a step parent's health insurance?
My child is on his step-mother's health insurance. She won't give me an insurance card so I have to pay for his RX and pay when I take him to the doctor. I want to get him off her insurance so I can get insurance on him myself. I have NO idea how she got his social security number because his dad doesn't know it. How can I have him dropped from her coverage so I can get my own on him?
Family - 1 Answers
Random Answers, Critics, Comments, Opinions :
1 :
I don't know why you would have to drop him from her insurance. It seems that if he was sick or hurt you would take him to the dr. and have the insurance to cover it, the step mother wouldn't even have to know he was sick or hurt or went to the dr. I just don't see how him being on her insurance helps her, she has to pay for him to be on the insurance. Of course if he is visiting his father and something happens to him than the insurance she has on him would be helpful. You could also find out if having 2 insurances would pay for everything like he gets sick and the dr. visit is $100, your copay is $50 would her insurance pay the other $50 and vice versa if he was at her house?




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Monday, December 1, 2008

I want more kids, but health means I will have an only child. Any onelies out there? How do you feel about it

I want more kids, but health means I will have an only child. Any onelies out there? How do you feel about it
I always thought I would have more kids, but due to a very high risk pregnancy the first time around and some minor health problems, I doubt I will be able to have another one. My son is now four, and it saddens me that he may never have a sibling to play with. I don't really know any only children (either adult or child) and was looking for input from parent's of only children or adult only children. Thanks for the input.
Parenting - 8 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Have you considered adoption? No pregnancy, and you get to enrich and beautify the life of a child who so badly needs love. I understand your fear of an only child, I hate the fact that if I don't have more children my daughter will be alone when her father and I are gone. Give it a thought.
2 :
my son is also 4 and he is my only one. like you i thought i was going to have 4 kids!! well, it dosen't look like its going to happen for me either. my hubby already has 3 kids from previous relationships and so he dosen't want anymore. so my son does have half brothers and a sister but its nothing like a full blood one. i, on the other hand, grew up as an only child and it had its ups and downs. i would have liked to have a sibling to talk to but then again i liked all the attention i got!
3 :
well adoption isnt always a bad thing in situations like this. i am the only child and i personally love it cause i get the attention. i was spoiled but i grew out of that. i personally prefer to be alone. i have a yr old son and im ttc another one cause i do want more than one kid. i can relate cause i worry that i wont have more children to give him. but with adopting you can give him a sibling and love as if its your own cause in the end its almost is, a parent is someone who provides and nuture their children. whose there for them through thick and thin, and blood has nothing to do with it, its the essence of parenthood. so i hope you adopt. i want to adopt at least one child.
4 :
Your son is now 4 and you believe you can get one more, so it is fine by the Grace of God you will get. Be confident and keep your medicine continue. Trust in God. He will help you your pregnancy problem, its real and almost women do face. So don't be discourage and take care while taking medicine and during your pregnancy to avoid any ..... Follow strictly Gyne advises and do regularly. We are in advanced medical age and nothing is impossible. If God willing every thing will be perfect and you will have a baby.
5 :
Sorry to hear about your health problems. I'm not an only child, but I think there are pros and cons of both types of families. Don't worry too much about it. Getting pregnant and giving birth to a child that you created is an indescribably wonderful and amazing feeling. However, as someone else said, don't forget about adoption. There are plenty of children already in the world who are in need of a loving family. And in the end, it won't matter whether the child is biological or adopted - you will love him just the same.
6 :
If you really want a child that bad and you have really good doctors why not try just one more time. I have some friends who have health problems but with their female organs and they have been lucky to be able to have several children despite doctors telling them that it could kill them. I don't think there is anything wrong with an only child. I personally also have a 4 year old and I was fine with having just 1 child but as time went on I wanted another and I am pregnant again =)
7 :
i had a terrible time giving birth to my son 17 years ago my heart gave up twice , it had to be kickstarted and although at first i declared myself of having no more never ever . How true that would be because when our son was 5 we craved another but hospital advised us if i did give birth again my son would not have a mum as it would be too much on my heart so i gave up the idea of having any more and concentrated on our son instead .. he has grown up very loved , spoilt , (to a degree) and wants for nothing ..
8 :
I am mostly an only child, altho my dad adopted a girl when I was 7. I never had a problem with it at all. And I wasnt ever jealous of people that had siblings.




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Friday, November 28, 2008

can anybody help me find information about a child's health and survival needs



can anybody help me find information about a child's health and survival needs?
Im doing this powerpoint about the health and survival needs of an infant before and in the 1st year of life but i cant find much about it and ive now had to ask on here about it and see if anyone could help me please. I have been using my mums notes about it but they don't really help me much. So could anyone give me internet links to helpful web pages or just things you know. Thanks.
Homework Help - 1 Answers
Random Answers, Critics, Comments, Opinions :
1 :
look up maslows hierarchy of needs



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Monday, November 24, 2008

child support health insurance

child support health insurance?
I live in texas, my child is in Oklahoma. Can I qualify for SoonerCare or some type of state-sponsored child health insurance if I meet the requirements but live out of state?
Insurance - 4 Answers
Random Answers, Critics, Comments, Opinions :
1 :
no
2 :
No. Each state only pays for residents of their state. You can move or try to get health insurance on your own or through your employer.
3 :
no
4 :
Health insurance can be very tricky. Since I live in Wyoming I'm not sure about Texas regulations, so I suggest you call a local insurance agent. http://www.goodinternetdeals.com/Health-Insurance.html They should be able to help you.




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Thursday, November 20, 2008

Can you get state health care in Ohio for a child while you carry insurance for yourself




Can you get state health care in Ohio for a child while you carry insurance for yourself?
Hubby is laid off. I can afford health insurance for myself to cover my medications, but I cannot afford it for all of us and my child is a pretty healthy four-year old girl
Insurance - 2 Answers
Random Answers, Critics, Comments, Opinions :
1 :
You can apply for it. If your household income is low enough, then she can get coverage - HOWEVER, she'll have to be uninsured for six months first, before she qualifies for welfare health insurance.
2 :
Get as much resource as you can maybe is one option,however it could be quite time consuming,here http://www.HealthInsuranceFree.info is one resource i have had good experience.




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Sunday, November 16, 2008

Do you believe that having your first child can help health problems

Do you believe that having your first child can help health problems?
I have heard of people that were sick and had health problems but they were "cured" when they had a baby. The explanation: Their body was acting out b/c it was craving a baby. What have you heard?
Other - Pregnancy & Parenting - 7 Answers
Random Answers, Critics, Comments, Opinions :
1 :
I've heard it all now.
2 :
I have never heard anything to that effect but it sounds ridiculous to me. IMHO.
3 :
Never heard that before. But it would be great for me!!
4 :
Sounds like an urban myth to me. You need to be as healthy and as fit as you can be to have a healthy baby. Your whole body is involved in each and every pregnancy. If you want to have a healthy good pregnancy take care of any and all of your health issues before getting pregnant. You want your child to have the best start in life as possible.
5 :
I have never heard that one. However after my son was born, I had a period of being "super-mom" where it seemed like I was impervious to illness. I could see how that might be interpreted as a magic cure if you had health problems prior to having a child. Also, the mind is a very powerful thing - if someone thinks they have been "cured" by having a child, they may well be.
6 :
I think that if your health problems are the result of depression, or physical manifestations of depression they can be complicated by pregnancy. In some cases it could have a reverse affect. The baby could make depression go away because the affected person is no longer focusing on her self, but a baby.
7 :
i suffered from depression before i had my son, i was always down and thought that life just plain sucked and if something bad was going to happen it was going to happen to me! i contemplated suicide more than once and was constantly under a black cloud! i was terrified I'd get post natal (partum) depression but i didn't i have never been happier things aren't that great in my life as far as finances etc go but i can still always manage to rise above anything for my son and nothing seems too terrible as long as he's OK and with me. i think that if you've been a selfish and self indulgent person like i believe i was before i had my son then having a child can certainly take the focus of yourself. where as before i may have lay in bed with a cold claiming i was "dying" i now carry on through just about anything as if i didn't who would feed and care for my wee sonny! i think ultimately it depends on the person for some people pregnancy and raising children is just too much where as others were meant for it and its those people who finally have everything fall into place




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Wednesday, November 12, 2008

How can I drop my 17 year old child from my employer's health insurance




How can I drop my 17 year old child from my employer's health insurance?
he's a 17 year old child. living on the other side of the country. in order to be eligible for medicaid, we need to drop him from our employers health insurance the medical facilities on the east coast do not accept our health insurance
Insurance - 4 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Of course. You can contact your benefits manager at work and tell them to take him off.
2 :
Chances are you will have to wait until open enrollment time. But having health insurance does not automatically disqualify you from being eligible for medicaid.
3 :
Contact your benefits center or human resources (or whoever is in charge through your employer for benefits) and speak to them. Typically can't until open enrollment, so wouldn't be effective until your next benefit period (common is 01/01, but some companies are contract years so can be any time)
4 :
You can't, until open enrollment comes around. As he's a minor, your income will still count for medicaid eligi




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Saturday, November 8, 2008

Have you ever heard of the father of your child not having to pay for health insurance

 Have you ever heard of the father of your child not having to pay for health insurance?
The father of my child does not have health insurance for hisself so child support says that he doesn't have to provide it for his son.... Have you ever heard of this before? and what can I do to get health insurance for him.... besides medicaid b/c me and my husband aren't eligible for it.
Other - Pregnancy & Parenting - 8 Answers
Random Answers, Critics, Comments, Opinions :
1 :
my father didnt have to pay child support or anything - no insurance nada - my mom had to pay it to him and each of them had two kids ( my mom had me n my sis dad got the brothers ) just because your not eligible for medicaid your child should still be - it sucks that people who work for A lving cant get assistance because we make too much - where as i would think the government would offer insurance at a great discount for people who make so much a year - pay taxes and dint get assistance -
2 :
I don't know what state your in but in California they usually make him pay more in child support to help off set the cost of health insurance.
3 :
Well, sadly, It's not a law that your child has to have insurance. Use some of the child support money and get him covered.
4 :
Its common that they don't. I pay child support for my daughter-that lives with her father and although I DO provide insurance for her I am not required to do so. All you can do is apply for JUST your son, the income qualification are different for children than adults, or find a policy and pay for it. Some states also have an "in between" type insurance. It is provided by the states for children that don't qualify for regular medicaid and at reduced rates.
5 :
You could take out an independent insurance policy. Check out kaiserpermanente.org, bluecross.org, pacificcare.org, or just google personal insurance medical and get a quote. It shouldn't be too expensive. My son's father does not provide health insurance, so this is not overly unusual.
6 :
I'm not sure how the insurance thing works. I was under my mother's insurance growing up, but my father had to pay half the medical bills every year. I hope he's paying half to help out!
7 :
ok, do you or your husband work? it is just as much your responsibility as it would be his is there a reason you or your husband cant get ins? do you all have it? it is very important that children have health ins. if you dont qualify for state assistance, there has to be something in your state. i know here in Ky they offer low cost health ins for families who make too much to qualify for free, but their jobs dont offer it or whatever the situation is. yes it is ridiculous that men get away w/ alot more crap then us women but get over it there is nothing you or anyone can do about it and as this childs mother you are obligated to provide the best for him.
8 :
You can ask the court to modify his support and require him to carry insurance on the child. In my state child support is not part of healthcare coverage. You have to petition the court to modify support, and every 3 yrs, and or if changes in his job/ income etc.



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Tuesday, November 4, 2008

In a child support formula there is an entry for how much the father pays for health insurance


 

In a child support formula there is an entry for how much the father pays for health insurance?
The child support formula has an entry for medial health payment. In our case the father is providing the health insurance to the kids. The number he puts in, is it everything he pays? Or just the difference between paying for himself only vs paying for a family plan?
Marriage & Divorce - 4 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Yep
2 :
He puts in only the amount that he pays for the child. So if he pays $100 a month and there are 4 people on the insurance the prorated amount for that one child is $25 for two kids $50. I have been through it too many times and I took paralegal classes.
3 :
In most states and divorce decrees, the father is required to pay for the health insurance premium and the mother will be liable for any deductible or co-payments. If the mother has better health benefits, the formula could be turned around, but it has to be agreed upon prior to the divorce, otherwise, the parties have to go back to Court.
4 :
support is 17 percent per child from gross. The after the FICA tax. other cost and expense is normally 50 percent but it is depending on the deal and the agreement in court. If he carrying his child health insurance. for example. $25.00 for single $35.00 for single plus one or family plan. The 50 percent that he have to pay is $10/2 = $5.00 Look in his court order to see what percentage he have to pay.




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Saturday, November 1, 2008

!!!Do you believe, traveling on a bus it's un- healthy to a child health

!!!Do you believe, traveling on a bus it's un- healthy to a child health?
My daughter's friend, went home on the bus with her 13 months old baby and the baby caught, a bad cold and end up in the hospital, too many people were smoking and it was too cold, on the busThe doctot said the baby caught a virus. this happens for real in Baltimore Maryland,she went with her husband, and we live in columbus ga., they were drinking also, they didn't know that people over there did that.
Newborn & Baby - 9 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Well I took a bus a few years ago when my daughter was 3 and you weren't allowed to smoke on it, and nothing bad happend to her.
2 :
My partner and I travelled by bus many times for the first 8 years of our relationship, most of those times with at least one baby. You are not allowed to smoke on buses in Australia, and while yes, it was cold especially on buses at night, none of our children got sick from the travelling. We would travel interstate, about 13 hours minimum on the bus, and on a few occasions we had our premmie son with us. His immune system was much lower than most other children's but he was fine. It's not the actual bus travel that is unhealthy, it's the exposure to germs and viruses. The 13 month old baby you're talking about could have been exposed to the virus that caused her cold ANYWHERE. Cold by itself doesn't cause viral infections.
3 :
yeah id believe that...my baby just gave us all gastro from chewing on the tops of the train seats, i didnt realise he had done this but before i could stop him it was too late. Well at least i think thats where he caught it from.....
4 :
You shouldn't take a baby into any place where there is cigarette smoke, that's just common sense. However as to the temperature you dress the baby accordingly. If she were outside I am sure it would have been even colder. That's not a big deal. Besides if your friend doesn't have a car what do you expect her to do? Where do you live that they allow smoking on a bus?
5 :
I believe so..............but ...what can you do............it is life.........and we have to adapt to its ins and outs. At least humanbeing has the capacity to adapt to any change and have also the immunity against the side effect of this change. our salutes
6 :
No, I don't think that traveling on a bus is inherently unhealthy. When my son was under six weeks, our pediatrician advised that we avoid mass transit and other crowded places because he was particularly susceptible to germs, and that a fever in such a small infant could be cause for serious concern. But kids are, in general, more prone to picking up every little thing out there. And the recycled air in buses, trains and airplanes isn't the most fabulous thing - it's why people take those uber-doses of Vitamin C before flying. Factor in that the food available on long bus trips tends towards the fried and processed, and little wonder that no one feels their best after a long trip.
7 :
Travelling on public transport in the UK is detrimental to an adults health. You are in close proximity to all sorts of bacteria.
8 :
I have traveled on the bus but would not travel with a child on the bus.........I hated the bus!!
9 :
She may have got sick from the bus ride, but Gray hound doesn't let people smoke or drink on the bus. So next time she should go Gray hound.



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Tuesday, October 28, 2008

In Texas, Can he really subtract Health Insurance Premiums from the child support he pays? How common is this




In Texas, Can he really subtract Health Insurance Premiums from the child support he pays? How common is this?
How common is this? I was told that the child support will be minus the health insurance premiums since he pays the health insurance....We are in Texas. Im already struggling with Child Care Expenses..
Law & Ethics - 5 Answers
Random Answers, Critics, Comments, Opinions :
1 :
if he pays health care expenses for the child then yes they can be subtracted from the child support as that IS child support...
2 :
Certainly. If he is supplying support, part of that can be used to fund health insurance.
3 :
The whole world is struggling with the fallout from poor decisions by it inhabitants. Anyway . Good Luck.
4 :
That is true. If you pay for the health insurance, he would need to reimburse you for it.
5 :
check out the texas child support calculator. http://www.co.travis.tx.us/records_communication/law_library/pdfs/calculator.pdf He can clearly take it out. However, you can get a court order stating that he has to pay for half of daycare, half of out of pocket medical expenses, half of dental and vision bills...etc. Plug in the info into the calculator and see what you get.







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Friday, October 24, 2008

I am doing a training on infant and child mental health. I would like to use movie clips any suggestions

I am doing a training on infant and child mental health. I would like to use movie clips any suggestions?
I am doing a training for preschool teachers and would like to use movie clips as examples that involve younger children. Does anyone have any suggestions regarding good movies to use?
Preschool - 2 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Go to the library...........
2 :
I am also in the mental health field and work with preschoolers. What types of behaviors are you wanting to show? The Nanny has excellent examples on behavioral interventions with this age group.




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Monday, October 20, 2008

child with health problems, any parents out there with advice




child with health problems, any parents out there with advice?
It is in the early stages of diagnosis...I need advice on how to not focus on the worst case scenario, and also how to act calm and upbeat. To be honest, I am not calm and upbeat, but I really don't want the kids to sense that. Suggestions? Thanks.
Parenting - 2 Answers
Random Answers, Critics, Comments, Opinions :
1 :
You need someone you can talk to about your worries when the kids are not around....a relative or a trusted friend. When you are with the kids try to focus on your regular routine and the fun things you can do with them whatever they may be. It is hard not to think about these things but you are right that kids will pick up on these things and while you may not be able to do much about the diagnosis you can effect how secure they feel and how much fun and joy they have in their life. If the ill child has questions just let them know the doctors are working on how to make them feel better. If you are a religious person you may want to try prayer and see if you can "let go and let God". I know a lot of this is easier said than done. I wish you all the best.
2 :
Just be prepared for the news you get. Love your child no matter what and always let him or her know that you are there for them no matter what because they depend on you. My 5 month old son has a hemi-vertebrae, fused rib cage, small cerebellum, small in weight for he's age, a rare chromosome deletion, scoliosis of the spine and a cleft lip. Al though he has all these health problems, I love him no less. I treat him like an equal, normal human being and give him lots of love. (I am also epileptic and suffer seizures, so I too have a medical condition which is not easy) I am a very anxious, nervous type of person, and have no friends because of that, but if you need to someone to talk too, you can click on my profile page and send me an email. I would be most happy to reply and try to help in any way that I can, even if you need someone for support, I can chat with you if you like... all the best, just take one deep breath in at a time....... (to clear the mind) and slowly exhale that breath out... hope all goes well.



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Thursday, October 16, 2008

.How can I explain the statement " The immigrant is the father of a young child, and he has a health problem.

How can I explain the statement " The immigrant is the father of a young child, and he has a health problem.
A student of mine says she learned in grammar class today that the above sentence I just posted is vague and does not make sense. She said the sentence does not clearly say who is sick. It is evasive. In order for her to do her assignment she said she needs to know clearly who is sick. Many sentences I hand out in History are like this. I am not an English teacher. How can I explain this in simple terms that the sentence is correct. She further says it is just inferring it is the grandfather, but does not clearly say this with the information provided. " Here is the sentence again. " The immigrant is the father of a young child, and he has a serious health problem. She feels the word "He" does not necessarily mean the grandfather and could be the child who is the he in this sentence. To me it was common sense that they meant the grandfather. The student does not except that explanation. Any English teachers can you help me?
Words & Wordplay - 3 Answers
Random Answers, Critics, Comments, Opinions :
1 :
the problem is proximity "...child, and he..." infers that sick refers to he rather than the original antecedent. Grammatically, the sentence is correct, the subject of it is clearly the immigrant, so the illness is his, but clearer to use commas..."the immigrant, father of a young child, has..." clarifies that the illness refers to the subject. And, the student does not "accept" that explanation (homophone.)
2 :
I agree wholeheartedly with the student. And I can see you are not an English major or teacher by how you spelled "except" instead of "accept." The pronoun "he" in the second clause of the sentence IS ambiguous in its referent. The statement should be changed to read "The immigrant, who has a health problem, is the father of a young child." if it is indeed the father who is sick. If it is the child it should read, "The immigrant is the father of a young child who has a health problem." That would eliminate the ambiguity.
3 :
Your student has a problem with pronoun reference. In the first part of the sentence, the father (the immigrant) is the subject. In the second part (after the and), HE is the subject, therefore HE refers to the father. If your student consistently has this problem, I would refer her for a speech and language eval. Another way to look at it: AND is used to add or compare information (in contrast to BUT). When you use AND, you are adding information about the father, not the child. Good luck!



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Sunday, October 12, 2008

Dependent child to be covered by parents Health Insurance



Dependent child to be covered by parents Health Insurance?
Are parents required to claim college student child as a dependent on their taxes for the child to be considered a dependent for the parent's health insurance coverage? Parents in Chapter 13 and refunds over $1500 go to Trustee. Can Child (living at home) claim herself on federal/state taxes and still qualify as a dependent for parents health insurance?
Insurance - 4 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Not after 09/23/10. But, if the parent wants to claim the child, and the child won't let them, the parent doesn't HAVE to keep them on their insurance. You might not realize this, but your parent pays, every single paycheck, for your health insurance. WAY more than you'd be getting in a tax return.
2 :
The health insurance issue aside, it is illegal for any person to claim himself or herself on federal taxes if that person "can be" (not "is") claimed by any other person in the entire world. If the parents have the option to claim the child, then the only two options are that the parents claim the child or no one claims the child. If the parents can claim the child, but do not (for whatever reason), then the child cannot. The child can claim the child only if it is actually illegal for the parents to claim the child.
3 :
~~No the two have nothing to do with each other. On 9/23/10 part of the insurance reform took place allowing a child to remain on a parents policy until the age of 26, regardless of school status. If the child is working and their employer offers group insurance, they must take the group insurance. So yes you can claim yourself (this just has to do with taxes) so if your parents do not support you then you can claim yourself and still with their permission allow you to remain on their health insurance. www.irs.gov clearly spells out what qualifies a parent to use to see if they can still claim their children as dependents. However it has absolutely nothing to do with the new insurance reform law.~~
4 :
healthquotes.awardspace.info - here is my health insurance plan. As I remember they can provide such a service.



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Wednesday, October 8, 2008

I lost my job. How do I pay child suppot and health insurance for my kid

I lost my job. How do I pay child suppot and health insurance for my kid/?
I have been paying child support for the past 6 years, never missed a payment. I do not have any income now that I lost my job. I also have a home mortgage and 2 car payments to make. I bought my house last year and with the market being so rough, I cannot sell the house without a huge loss.
Insurance - 16 Answers
Random Answers, Critics, Comments, Opinions :
1 :
go to mexico they wil never find you there
2 :
apply for unemployment..
3 :
you cant...until you get ah job they will personally deduckt it from your checks depending on how much you owe
4 :
Get a new job. Apply everywhere possible. Something is better than nothing!
5 :
Get a new job.
6 :
Get a new job
7 :
Maybe you could sell one of the cars for extra money. Or apply for health insurance through your state.
8 :
That's very tough, and I'm truly sorry to hear that. At least you're not along, right? I'd suggest just watching your spending now, and try looking for a new job. I know it's extremely rough in times like these, but I say take whatever you can get. Even working at a fast food place could rake in a little bit of cash. JUst try try try and don't give up hope. Times will get better. Good luck, and I wish the best for you. :)
9 :
Matthew 6:26 26Behold the fowls of the air: for they sow not, neither do they reap, nor gather into barns; yet your heavenly Father feedeth them. Are ye not much better than they?
10 :
I think you need to negotiate a plan with whomever administers payments to your child and see if you can establish a payment plan that is workable with your current situation, even if only a short-term solution till you get back on your feet financially.
11 :
Best thing to do is get your lawyer to have a hearing with the judge in order to reduce your child support payments in lieu of the circumstances. I can tell you right now a judge is not going to be two understanding if you have a house and 2 cars.
12 :
Actually, assuming that you are a female, a big criterion, and you have a child you should have no problem applying for welfare as it has always been intended for the child's benefit- try getting any help if you are a single, white, dude who may have fallen upon hard times not always associated with some form of drug addiction; unless you can prove some significant mental illness you essentially do not exist insofar as government largess is concerned. Your possibilities are many.
13 :
If you lost your job, inquire about the COBRA health insurance policy from your old job. They should be able to give you up to a certain amount of weeks of insurance (its like a severance package deal) after you lose your job. If you can't get on COBRA, then apply for Medicaid in your state for yourself and your child (he/she has to be living with you!!!! for the child to qualify). Also, look into getting umemployment income while you search for new jobs. I'm sure the court system will be able to make some adjustments to your child support payments now that you're unemployed. But ask an attorney to be sure, because I'm not one. Hope this helps. Good luck. Oh..yeah..you might want to take Geena's last statement a little more seriously. 2 cars...you might want to sell one of them, dude. But the house...I don't think the judge will hold that against you.
14 :
your first thing is to call your ex wife and explain the situation, if you pay thru the courts you need to contact your attorney....good luck
15 :
healthplans.my-age.net - my family have this health insurance. It is affordable and has good coverage for dental issues.
16 :
Home insurance is actually very flexible. I don't understand all the details of my home policy, but my home insurance agent is always a phone call away. Try visting your agent or a homeowners agent in your area. http://www.goodinternetdeals.com/Home-Insurance.html They should be able to help you.




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Saturday, October 4, 2008

What is the fee for one child on CHIPS health insurance




What is the fee for one child on CHIPS health insurance ?
I now have to pay C/S to my ex . What is the premium for one child under CHIPS . That the state of Texas now makes you pay along with C/S ?
Marriage & Divorce - 1 Answers
Random Answers, Critics, Comments, Opinions :
1 :
You can easily check your minimal health care rates in internet, for example here - health-quotes.talk4fun.net




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Wednesday, October 1, 2008

new immigrant child health insurance help

new immigrant child health insurance help?
we are new immigrants (lawful permanent residents with Green card), our son may need healthcare. I have heard there is such arrangments for kids to have free medical care but uncertain how its done. We will appreciate anybody with ideas on this issue,where and which department to contact on such childrens health issue so our son can be assisted. Thanks.
Immigration - 6 Answers
Random Answers, Critics, Comments, Opinions :
1 :
oh your legal?well then get ready to pull your pants down and bend over
2 :
You must provide for your and your child's care. Under public charge laws, inability to meet your own needs & therefore relying on the public purse renders you ineligible for citizenship. If you cannot make it in a high-cost, high-tax country, you need to return home. Get insurance through your employer, or buy private health care insurance. Do not attempt to apply for any sort of govt assistance, govt-sponsored child health care, etc.
3 :
Buy insurance like everyone else has to.
4 :
You and your family are not eligible for government benefits until you have been a legal resident for 5 years. Whomever sponsored your green card is responsible for your healthcare,that is the reason for their sponsorship,so you do not become a burden on the US taxpayers. Or,you will need to purchase your own health insurance for your family.
5 :
you sponsor is responsible Many parents have has to return home in similar circumstances
6 :
healthquotes.awardspace.info - here is my health insurance plan. As I remember they can provide such a service.



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Sunday, September 28, 2008

when you commit a mistake affecting your child's health, should you get punished




 when you commit a mistake affecting your child's health, should you get punished?
try to think about the many incidents that have occurred to child's left behind inside the cars, and the many deaths that has caused.
Psychology - 13 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Yes. ♥ ♣ ♥
2 :
yeh, if you leave a kid in a car you should get the death penalty
3 :
i think so....it depends on a lot of other things
4 :
It's called child endangerment or neglect, at the very least. Yes, they should be punished.
5 :
If it is that severe, I believe a punishment should occur. But if there is one minor mistake, I believe custody should still remain until the parents have proven themselves to be responsible. If multiple mistakes are made, a question of custody should be made.
6 :
leaving a child in a car is not a mistake, it's a bad choice. A mistake is something you do by accident and didn't mean to do it. Leaving a child alone in a car is an example of a bad choice as a parent and considered risking injury to a minor which is a crime, not a mistake.
7 :
I dont think that leaving your kid in the car, abandoned, in the hot sun deals with its health. If you do this, you should be punished, but a simple mistake like deciding not to get braces, is different.
8 :
Seeing your child suffer is punishment, but for some neglectful parents it isn't enough. The law needs to install a sense of fear into the parents through punishment so they will THINK first. If you child dies because of a parents neglect, the law has to step in.
9 :
It would all depend on that particular incident. No normal parent is going to leave their child in a hot car for any length of time on purpose. Therefore, I think they should have to go through some sort of parenting class to remind them of what happened. That will insure that it does not happen again. I think they are punished enough by what they did already. (considering that it was really a mistake)
10 :
I guess wether mistake or not, depending on severity, yes people should be punished for things they've done, if it so requires it. Like... someone who smokes through pregnancy has a risk of then harming thier childs health... should this then be punished?? I don't think so... that would just be silly... If a parent made a mistake and did something that then ended a child's life, then of course someone should be punished!! But then... how would the go about doing it?? After all... killing someone with a car isn't seen as murder... cars arrn't seen as weapons and therfor at the most it's manslaughter, even if the death of the victim was intentional. Law is a funny thing, and makes just as much sence as anything else in this world.... which seems to be very little in terms of logical thinking O_O
11 :
I think there is a difference between a mistake and child endangerment/ neglect. Probably, that is the best argument why we need Universal Healthcare in the US, parents may wait until it is too late before they seek healthcare because they never see the doctor and don't have a clue when it is serious. They don't ever talk to doctors-how would they know? Then you bring up parents who leave their children in cars, yes these parents should be punished in some form.
12 :
It really depends on the situation. You have to factor in the circumstances, the age of the child, the laws in the state, etc. I think in most cases the answer to that question would be yes, but again, it depends on the situation. If a person leaves their child in a car to go on a 2-hour shopping spree or go drink in a bar for instance, then yes, there needs to be accountability, even if the child was not injured. If you leave your child in the car at a gas station, went inside for a few minutes, a car slams into your parked car, and your child is subsequently injured, then should the parent be held accountable. Not necessarily. In Florida at least, you can leave your child under the age of 8 in a car as long as the car is not running for a time period of up to 15 minutes. After minutes, though, it is against the law. This question really needs to be determined on a case by case basis. Unfortunately, there are accidents and mistakes that cause injury and death to children at the fault of the parents. It doesn't necessarily make them bad or ignorant parents and that it simply was a mistake with a tragic outcome. There are other situations where the parent is grossly negligent with the same outcome. There are too many variables to give this question a simple yes or no answer.
13 :
Most probably you should as it is first of all about your kid's benefit or disadvantage. Here's where you can find more about parenthood and the most frequent health mistakes: http://www.myhealth-forum.com/



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