B-Informed Blog

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Enriching your life; informing your health. Life insurance, and other topics.


Tips For Coping As A Caregiver
Tips For Coping As A Caregiver

While it would be ideal to have professional caretakers looking after ailing relative dealing with cancer or other chronic diseases, that is unfortunately not always possible, namely because of its expenses. Indeed, 21% of Americans said that they have paid $2,000 or more in out-of-pocket medical expenses in the past year, which is a bill that many Americans simply cannot foot. Consequently, many close relations end up being the caretakers, in addition to their jobs or other familial duties.

It is important that caretakers take care of themselves, too, which, while easier said than done, starts by just taking one step forward. Take a look at some of the things you can do for yourself starting now:

Take a Break

It may seem like an impossibility if you have full-time caretaking duties, but you can learn different de-stressing techniques to help you get through the day, like closing your eyes and breathing for five to 10 minutes, listening to some relaxing music, taking a walk, or having a weekly phone date with a friend. If it is still hard to carve out a moment for yourself, try to incorporate calming rituals into your daily life with your family and the person you are caring for.

Realize That Your Own Health Is a Priority

If you cannot perform your caretaking duties, both you and your loved ones will suffer. Realize that you need to sleep, eat and exercise, and find a way to fit that into your loved one's schedule.

Seek Support

You may feel very much alone, but there are so many people and agencies out there that are willing to help you in choosing a healthcare plan. Look into Medigap insurance or Medicare health insurance companies, too. These strategies will ultimately help you find affordable part-time caretakers or other solutions, so you can get a break.

Whether you are dealing with cancer as a caretaker or have any other type of condition that requires around the clock care, know that you are not alone. There are many other people in your position and a network designed to help at an affordable rate. Schedule a consultation with an insurance expert to find out how you can obtain affordable healthcare, and help with caretaking duties.

 


The Top 5 Killers in the U.S. and How You Can Prevent Premature Death
The Top 5 Killers in the U.S. and How You Can Prevent Premature Death
No one likes to think about their own mortality, but death is a fact of life. It’s also pretty unpredictable. The only way to lower your risk of developing a fatal health issue is to educate yourself and to live a healthy lifestyle.

Here are the top five causes of death in the United States, according to the latest data from the U.S. Centers for Disease Control and Prevention.

Cardiovascular disease
Heart disease is the number one killer of people in the United States. In fact, according to the Centers for Disease Control and Prevention (CDC), it accounted for 23% of all deaths across the country in 2014. Sadly, a good number of these deaths could have been prevented simply by adopting a more healthy lifestyle. Factors and behaviors that typically lead to heart disease include tobacco use, high cholesterol, high blood pressure, poor diet, being overweight, and a lack of physical fitness. That's bad news in an age when many of us enjoy junk food and spend our nine-to-five life sitting behind a computer screen.

Age is another risk factor, though it is completely out of your control. In fact, 84% of people age 65 and older will die from cardiovascular disease.

Cancer
Just like there are many types of cancer, there are also many causes; however, scientists have not yet discovered them all. Regardless, there are several ways to reduce your risk of getting certain kinds of cancer. As you can imagine, living a healthy lifestyle is a major factor. In addition, it's important to schedule screenings, like colonoscopies and breast exams.

Chronic lower respiratory diseases
These are deadly diseases that affect the lungs, like emphysema and chronic bronchitis. They are the number three killer in the United States today, and like the top two they can often be prevented. The best way to prevent lung diseases is to avoid tobacco. Smoking is the most common cause of respiratory diseases followed by prolonged exposure to highly polluted areas. Air pollution can inflame and destroy lung tissue.

Accidents
This category includes a wide range of incidents, from car accidents to sports injuries and slips and falls in the workplace. Accidents are always unintentional, of course, so they can be hard to avoid. To protect yourself, just be smart and use your common sense.

Strokes
A stroke occurs when blood circulation in the brain fails. Besides being the fourth leading killer, they are also the most common cause of disability among American adults. Strokes share similar risk factors to cardiovascular disease; however, they can also be brought on by genetics, which can make suffering from a stroke unavoidable for some people.

Ultimately, maintaining a healthy lifestyle always lowers your risk of dying prematurely. Being healthy and making safe choices can also lower the cost of life insurance policies, since the cost of life insurance is mostly determined by your age and health.

Ready to learn more about life insurance in your state? Get a Quote from Bankers Fidelity right now.

Sources:

  1. The Centers for Disease Control and Prevention, via LiveScience

  2. Everyday Health

3 Reasons Millennials Need Life Insurance, Too
3 Reasons Millennials Need Life Insurance, Too
Who needs life insurance? Policies are usually marketed to people who support families, run businesses, or plan to retire in the near future. If you’re a 20-something in the “prime of your life,” you’re probably wondering how life insurance could possibly apply to you.

What you may not realize is that 40% of Millennials show some level of interest in a life/LTC combination policy. The truth is that young and healthy individuals can actually lock in the lowest possible life insurance rates so that they are covered at minimal cost for the rest of their lives. Here are three reasons a young person like yourself might benefit from life insurance.

  1. Funeral Expenses
    No matter how young or old you are, dying can be expensive. Funeral costs can leave your family with a bill of $10,000 or more, and unless you’ve got an offshore bank account dedicated to your own demise, coming up with this kind of money can be a challenge. To protect your loved ones from taking a big financial hit during what will probably one of the most emotionally challenging times of their lives, set up a life insurance policy to cover any and all funeral expenses.

  2. Student Loans
    One of the greatest expenses Millennials face today is the cost of higher education. Graduates of the class of 2016 came out with an average of over $37,000 each in outstanding student loans. That is debt that won’t be paid off for years or even decades. Federal loans are forgiven if the borrow dies before paying them off; however, debt from private loans are automatically transferred to any cosigners of the policy. Life insurance plans can make sure that your loans are covered after you die so that your family won’t be stuck paying for a degree that you may or may not have had the opportunity to use.

  3. Charitable Donations
    If you're debt-free and are sitting on a massive savings account, you might be wondering why a life insurance policy would ever be necessary. After all, you have enough money to take care of your loved ones for the foreseeable future. Have you ever considered, though, that a life insurance policy can do more than cover expenses for the people closest to you? Recently, it's become more and more popular to take out a policy for the sole purpose of leaving a gift of charity after your death. If there is a cause you care about, you can take out a policy that will make an enormous contribution to the organization of your choosing.
Ultimately, you may not think you need life insurance right now, especially if you’re not supporting any dependents. However, you have to remember that life insurance is an investment in the future (yours and that of any children or family who may rely on you down the road). It’s never too early to consider life insurance.

Sources:

  1. The 2016 Insurance Barometer Study

  2. Quotac

6 Essential Preventative Health Care Services for Women
6 Essential Preventative Health Care Services for Women
We all know that health insurance policies are required to cover preventative care services like the flu shot. But did you know that there is a whole list of preventative services that are specific only to women?

Under qualified health insurance plans, women cannot be charged a copay for certain services even if they haven’t yet reached their yearly deductibles. Health care expenses like the following six services are completely covered.

  1. Contraception
    The U.S. government has recently released a document clearly stating that all plans and insurers “must cover without cost sharing at least one form of contraception in each of the methods (currently 18) that the FDA has identified for women in its current Birth Control Guide.” The 18 contraceptive methods approved by the FDA include:

    • Surgical sterilization

    • Implant sterilization

    • Implantable rod

    • IUD – copper

    • IUD – progestin

    • Injection

    • Oral contraceptives – combined

    • Oral contraceptives – progestin only

    • Oral contraceptives – extended/continuous use

    • Patch

    • Vaginal ring

    • Diaphragm

    • Sponge

    • Cervical cap

    • Female condom

    • Spermicide

    • Emergency contraception – progestin

    • Emergency contraception – Ulipristal Acetate
  2. Cervical Cancer Screenings
    Cervical cancer kills more than 4,000 women each year in the U.S., even though it's widely considered to be one of the most preventable types of cancer. One reason the death rate is so high is because in many cases, cervical cancer is not detected early enough. That is why screenings are so important for women.

  3. Well-Woman Visits
    A well-woman visit is an annual physical to discuss your health with your physician in order to identify serious health issues before they become life-threatening. Services include pap smears, colon cancer screening, obesity screening, and preventative shots for the flu, pneumonia, and tetanus.

  4. Breastfeeding Support
    New moms can work with trained providers for help with breastfeeding.

  5. Mammograms
    Mammograms are an important screening procedure to check for signs of breast cancer. Studies show that getting a mammography screening every two years for women aged 65 to 74 has been proven to reduce breast cancer-related deaths.

  6. Domestic Violence Screening and Counseling
    This service provides women with the help they need if they are in an unhealthy relationship and/or have experienced domestic abuse.
If you have not signed up for a health insurance plan, do so immediately. By taking advantage of all these vital preventative care services, you are just one step closer to living the healthy lifestyle you deserve.

Sources:


  1. The Kaiser Family Foundation

  2. Go Health


What Every Parent Should Know About Childhood Obesity
What Every Parent Should Know About Childhood Obesity
Obesity is one of the greatest threats to the health of America’s children, putting millions of young people at risk for a range of chronic illnesses. For the past decade, childhood obesity rates have hovered around 17% for kids between the ages of two and 19. However, since 1980, the childhood obesity rate has tripled, with the percentage of obese teens quadrupling from five percent to 20.5%.

As a parent, you have a responsibility to protect your children. While you cannot control everything they do, see, or encounter, you do play a major role in ensuring that they are living a healthy lifestyle. Preventing childhood obesity starts at home. Below you will learn a little bit about the effects of obesity and how you can prevent it.

How does obesity affect the health and wellbeing of children?
Childhood obesity comes with a wide range of serious long-term health concerns. Obese children often develop medical issues that were previously only found in adults, such as:

  • High cholesterol and blood pressure
  • Type 2 diabetes
  • Liver disease
  • Bone and joint problems
  • Sleep apnea
  • Asthma and other respiratory issues
  • Eating disorders
In addition to the numerous health problems obese children face, they are often subject to emotional difficulties like depression, anxiety, and poor self-esteem, and are more vulnerable to either being bullied or becoming bullies themselves.

How can I protect my children from obesity?
The answer is quite obvious, but it’s really easier said than done. You simply need to encourage and enforce a healthy lifestyle for your children, including good eating and exercise habits. Here are a few tips:

  • Provide kids with plenty of fruits and vegetables. It is recommended you consume at least one-and-a-half to two servings of fruit and two to two-and-a-half cups of vegetables each day.
  • Give them lean meats like skinless chicken and turkey.
  • Limit their sugar intake as well as the amount of saturated fat they consume.
  • Recognize and enforce portion control.
  • Take frequent family walks around the neighborhood.
  • Make a physically active game out of household chores.
  • Encourage kids to get outside instead of staying in to watch television or play video games.
When you teach kids how to embrace a healthy lifestyle from the very beginning, it becomes a way of life that continues into adulthood. If childhood obesity is not addressed and managed, it can lead to serious health complications as an adult. It also may increase your healthcare costs and lead to higher premiums for life insurance policies in the future. Realistically, your height and weight ratio is something insurers take into consideration when determining your eligibility.