Thursday, November 26, 2015

CDC has Warn the Public About the Deadly "Kissing Bug?" (Triatomine Bugs)


Triatomine Bugs, kissing bug, kissing bugs, Chagas

The Centers for Disease Control and Prevention CDC has warn the public about the spread Kissing Bug throughout the United States. Kissing Bug are Triatomine Bugs, they are blood-sucking bugs that usually bites the face of their victims. These bugs carries a possibly fatal disease called Chagas.

The kissing bug recently made its way to Georgia, Alabama and California, although health officials said the insect has been around the U.S. since the 1850s.

The bug looks like a cockroach and it earned the name kissing bug since it feeds on the blood of mammals, usually by biting them on or around the lip. Chagas disease, which can be fatal if left untreated, according to the CDC. There are currently about 300,000 cases of Chagas in the U.S.

The bugs are typically found outdoors but they can tend to hide under beds and mattresses.

The CDC provided a map of states that have reported of the bug:
Triatomine Bugs, kissing bug, kissing bugs, Chagas

Source: The Centers for Disease Control and Prevention

How to avoid them: The CDC recommends synthetic pyrethroid sprays, this have been proven effective against the bug in Latin America. You can also seal all your windows, roofs and doors. It is also great to have screens over windows and doors, minimize yard lights as the bugs are attracted to light, seal all holes and cracks throughout the house, having pets sleep inside and regularly checking for the bugs is extremely helpful.

Monday, November 16, 2015

Obamacare: High Deductibles and Higher Premiums

Obama care, ACA, Affordable care act

Bad news for Obamacare enrollees, reports said that there will be an increase in the out-of-pocket costs for deductibles next year 2016 that will significantly diminish the benefits of consumers health care plans and this will further discourage some from purchasing coverage.

Robert Laszewski, president of Health Policy & Strategy Associates, said “That these deductibles are so high is clearly one of the reasons people aren’t buying a plan—they simply don’t see themselves getting anything for the money.”

People have until the end of the year to enroll themselves for the 3rd season of Obamacare. The government said that there are a lot of plans available with low premiums however, most of those plans requires you to pay huge out of pocket costs before they Obamacare coverage actually kicks in.

The average annual out-of-pocket costs per worker increased nearly 230 percent between 2006 and 2015, according to an annual survey of employer health benefits coverage by the Kaiser Family Foundation.

The New York Times report said that majority of the states and more than half the plans being sold on Obamacare insurance exchanges have a deductible of $3,000 or more.

Median deductible in Miami is $5,000. In Jackson, Miss the median deductible is $5,500. Chicago is $3,400. Phoenix $4,000. While in Des Moines, Iowa, it is $3,000.

It is also revealed by the government that Obamacare will not hit their 10 million target by next year. Also another problem hounding the Obamacare is the rising premiums for policies the median rate increase for the lowest priced, most popular “Silver” plan will rise by 11% compared to just a 7% increase in 2015.

Monday, November 9, 2015

Anbang Insurance Group of to acquire Fidelity & Guaranty Life US

Anbang Insurance Group, Fidelity & Guaranty Life, Insurance

Anbang Insurance Group Co., Ltd., a leading global comprehensive insurance group based in Beijing, China, will buy the Fidelity & Guaranty Life FGL, -1.64% ("FGL"), a leading provider of annuities and life insurance in the U.S. for about $1.57 billion as Chinese insurers seek to expand into the United States.

According to Anbang, they will pay $26.80 per share, a premium of 3% to the stock's Friday close.
Fidelity & Guaranty's stock was down 1% at $25.98 in early trading.

The purchase will turn Anbang as one of the largest insurers by market share in fixed indexed annuity products in the United States. It is expected that FGL's solid life and fixed indexed annuity platforms will enhance the growth of Anbang's business while accelerating FGL's ability to further extend its policyholder base.

Financial holding company HRG Group Inc, Fidelity & Guaranty Life's majority stockholder, has approved the deal. The deal is expected to close in the second quarter of 2016.

Affordable Care Act: 500,000 plus sign up for Insurance

Affordable Care Act, ACA, Obamacare

More than 500,000 has already submitted their application to purchase insurance under the Affordable Care Act on healthcare.gov according to U.S. Department of Health and Human Services.
Department spokesman Benjamin Wakana said that 250,000 applications were sent in the first 48 hours.

Enrollment for 2016 opened on November 1, 2015 throughout the country. They want to see if the number of uninsured people will drop. 28.5 million people in the US are still uninsured according to  the U.S. Centers for Disease Control's National Center for Health Statistics.

Texas topped the states with the most number of uninsured (20% or about 5 million people), followed by Alaska (17.2%), Florida (16.6%), Georgia (15.8%) and Oklahoma (15.4%).

Enrollment will continue up to January 31, 2015. Federal officials urge people to consider enrolling early or by mid-December to ensure uninterrupted coverage.

Tuesday, November 3, 2015

How To Detect A Fake Third Party Motor Insurance Certificate

Fake Third Party Motor Insurance Certificate
To drive a car on Nigerian road one of the major requirements is for you to have a minimum of Third Party Motor Insurance Certificate. This is enshrined in the Section 68 of the 2003 Insurance Act which states, “No person shall use or cause or permit any other person to use a motor vehicle on a road unless a liability, which he may thereby incur in respect of damage to the property of third parties is insured with an insurer registered under this Act.”

But besides the legal aspect of it, do you know that there is N1m property damage cover and unlimited life cover to Third Parties on your Insurance Certificate? It is a sad situation in Nigeria that people are ignorantly or willfully (because of cost) purchasing fake certificates. My people, the bible says, perish for lack of knowledge. According to The police 90 per cent of Third Party Motor Insurance Certificates presented to them on demand by motorists at checkpoints are fake!

Ordinarily it is quite difficult to different between an authentic and a fake certificate because of the quality of the finishing of some of the certificates. But in 2012 the industry inaugurated the Nigerian Insurance Industry Database (NIID) with the mission to wipe out fake papers to give room for genuine ones to boom in the nation. This will allow law enforcement agents and vehicle owners to verify the authenticity of motor certificates within a minute! The Police now will be able to detect with a certain electronic device in their possession if your certificate is real or fake. Please do not be caught unawares, read on to find out how to detect the fake one yourself before it is too late.

There are three methods to it.

Please read the rest here.


Olumide Richard - That's Love





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