Health Insurance Policy Free Essays

HEALTH INSURANCE POLICY Normally the medical insurance will be available through employer. When the individual unable to get the medical insurance from the employer or seek separate coverage is advised to select individual health insurance plans. Such individual health insurance plan also known as private health insurance. We will write a custom essay sample on Health Insurance Policy or any similar topic only for you Order Now The medical insurance coverage under such plans is ideal for the self employed persons. However who desires to have many options can also go for private health insurance. Long-term care insurance which is a different insurance product available in the United States. The product of LTC or Long Term care insurance helps to provide the cost of long-term care for a predetermined period. The LTI insurance not covered by health insurance, Medicare or Medicaid. The individuals who unable to perform the basic activities of daily living i. e. dressing, bathing, toileting, etc can choose the LTC. One advantage with the product is age is not determining factor to purchase the health insurance for Long Term care. The benefits of LTC include home care, assisted living, hospice care, assisted living etc. Even the product allows paying up to 7 days a week of 24 hours a day for rendering services by visiting care giver, housekeeper, duty nurse etc. Tax qualified and Non-tax qualified offered, hence the individual may choose according to availing tax benefits. Tax qualified policy requires the person to take care policy who are expected to require at least 90 days and unable to perform two activities of daily living. In case of Non-tax qualified policy, the person who is unable to perform one or activity of daily living can purchase the policy. Another insurance product is individual disability. Every disability insurance policy is will vary company to company. But it is not such product which can be purchased easily. Of course, the cheapest disability insurance policy can be purchased by just throwing money. It is such product designed to assist the individual when the income of the person is decreased by the illness in the occupation. The disability insurance also known as DI and the policy assures the holder against the risk that will arise from the work place. So paid sick leave, short-term disability benefits, long term disability benefits etc are covered under the product of DI. REFERENCE: 1. http://www. healthinsurancefinders. com/ 2. http://en. wikipedia. org/wiki/Long_term_care_insurance 3. http://www. about-disability-insurance. com/ 4. http://en. wikipedia. org/wiki/Disability_insurance How to cite Health Insurance Policy, Essay examples

Drexel Music Program Essay Example For Students

Drexel Music Program Essay Music in My LifeSince my youth I have been obsessed with music, singing, listening, and playing. It wasnt until the sixth grade that I could truly begin the journey which would allow me to express myself musically. I received a saxophone for Christmas and began taking lessons at Settlement Music School, while I do not play anymore, the saxophone helped me understand and develop a learning process for music. After one year of saxophone, I realized that the perfect instrument for me was the guitar. I played saxophone for two more years while simultaneously taking guitar lessons, also at Settlement. I took one year of rock guitar lessons and realized that it wasnt entirely what I wanted: I thirsted for more knowledge of the instrument; so I took two years of classical guitar lessons. When I got into the Holy Ghost Jazz Band I started taking jazz guitar lessons, and I am now combining classical technique with jazz music by taking finger-style jazz lessons. I wish to stay with music because I love the music lifestyle, the fun of staying out late practicing for a show, the energy of playing for a crowd, and the stress of competition with the self. It was because of this lifestyle that I started playing for the spring musicals at school. I played lead guitar for a revue show titled 100 Years of Broadway, The Whos Tommy, and Godspell. My experience with the Jazz Band at school led me to audition and perform with the Philadelphia All Catholic Jazz Band, performing in the 2005 Concert of Excellence at the Kimmel Center. I believe it is my versatility as a player and my devotion to the craft that will help me survive in the music business, and it seems that this summer program is exactly what I need to help me get started.

History of the Christian Church Ii the Decline of European Christianity free essay sample

This shift is known as the Enlightenment. It is helpful I think to think about the word enlighten here—the idea of shedding light on something, illuminating it, making it clear. [1]† â€Å"Modern philosophy began with an enthusiastic faith in the powers of human reason to reach the truth. It represented a protest against the methods of Scholasticism and demanded a free field for unrestricted inquiry to work out its own salvation. [2]† The Age of Enlightenment was a time of new thinking. People became increasingly more interesting in scientific revolutions than religious laws. Rousseau, a well-known name of the Enlightenment Age, began to question the divine rights of the King. This is an example of the new thinking Europe experienced during this time. â€Å"The Enlightenment was a period of profound optimism, a sense that with science and reason†¦ human beings and human society would improve. [3]† It could go without saying that the Enlightenment period was new and creative, very much different from the traditional aspects of the Catholic Church. We will write a custom essay sample on History of the Christian Church Ii the Decline of European Christianity or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page â€Å"Instead, the Enlightenment thinkers developed a way of understanding the universe called Deism. [4]† Perhaps no nation more proudly flaunts its secularism than France. The land that launched the millennium of Christendom by crowning Charlemagne Holy Roman Emperor in 800 has morphed into a staunchly secularist state, opposed to even the most cursory mention of Christianitys historic influence in the European Unions recently drafted constitution. Over the years France has exemplified the convergence of academic skepticism and popular unrest that has produced empty church pews across the continent. [5]† Another contributor to the shift in European beliefs was the concept of Syncretism. Syncretism is â€Å"the combination of different forms of belief or practice,[6]† or, â€Å"the fusion of two or more originally different inflectional forms. [7]† There is nothing innately wrong with adaption and assimilation of other cultures. In fact, it can be a very good thing. Blending knowledge, technology, and histories can broaden cultures and the minds of the people that live in it. Yet when a religious culture assimilates into another religious culture, it can be nothing but expected that the dominate religion will be adapted. â€Å"Religion is part of the core beliefs of most cultures. Religion is a word of experience, but it has a correlate in an extra-experiential Reality which is a dominating factor in the situation out of which religion develops. To eliminate an objective God from religion is as illogical as to eliminate the soil and air from the life of a plant. [8]† In conclusion, it is difficult to point to any set moment or person, as change i s gradual and involves many factors. Adaption to time and cultures contributes, at the very basic of culprits, to the decline in Christianity, as with anything.

Benefits of Having a Dog Essay Sample

Benefits of Having a Dog Essay Sample Benefits of Having a Dog Analysis Essay Benefits of Having a Dog Analysis Essay Dogs are considered a man’s best friend. Owning a dog is beneficial as it provides balance, emotional well-being, and unconditional love. It is also a great pleasure to spend time in the company of these furry creatures. Dogs provide people with meaningful social support, improve physical and psychological state, increase the level of happiness and decrease stress. The Benefits of Having a Dog are Numerous Firstly, dogs promote health. They help people cope with anxiety and improve an overall mental health, not to mention a number of other health benefits. In addition, dogs are widely used to help people recover from very serious illnesses including cerebral palsy and insult. Secondly, dogs provide social benefits as they influence their owner’s well-being. The pets make people happier, provide greater self-esteem and prevent depression. Dog owners are better socialized and are closer to important people in their lives than those who have no dogs. Thirdly, dogs prevent stress and decrease it. These animals are considered masters at helping people feel calm and relieve stress. Dogs are the best listeners and they do not care about human actions and thoughts. When a person is upset or sad, a dog can give a stress outlet helping to cheer up. Fourthly, dogs improve mood. Stroking a dog may reduce blood pressure and bring balance to our emotional state. The eyes of a favorite dog help people who are in a bad mood. Fifthly, dogs ensure home security and safety. Dogs are extremely protective when a stranger comes to the door. In addition, a barking dog may put off many potential burglars and intruders. Sixthly, dogs have a favorable influence on children. Children who own dogs perform better at school and are more successful. Moreover, bringing up, feeding and regular walks create a sense of responsibility. Dogs have a positive influence on human health, emotional state.  They add to the development of communication skills and the sense of responsibility as well as play an important role in child fostering and family relationships. In addition, dogs increase feelings of well being and devotion, ensure safety and even save people’s lives. Dogs are among the most popular pets. These animals are usually called a man’s best friends and there is a reason for it. Dogs’ intelligence, loyalty, affection and devotion are incredibly rewarding. Owning a dog may raise spirits. In addition, having a walk together, relaxing at home together or being greeted by a happily wagging tail engenders a sense of well-being. These are the main reasons why so many people own dogs. What is more important is the fact that pets can play an important social role in people’s lives. Lonely people can get a dog in order to overcome social isolation. In addition, dogs improve people’s health, help to communicate and break the ice. Hence, having a dog is beneficial as dogs provide people with emotional well-being, balance and unconditional acceptance of who we are. Despite the fact that dogs provide meaningful social support, serving to improve owners’ happiness, well-being, and even their physical health there are not many studies on whether all people benefit from owning pets to the same degree or not and whether pets provide social support for people in general (McConnel et al., 2011). It has long been known that dogs bring a lot of pleasure to people who own them. However, there is little awareness of the advantages and disadvantages of having a dog, but it is worth knowing about. Our research is focused on investigation of the advantages of having a dog as a pet. Health Promotion To start with, it should be underlined that these furry friends help to cope with anxiety and dealing with them improves an overall mental health, not to mention a number of other health benefits. A research carried out for over 25 years has shown that a close contact with dogs can lower blood pressure and reduce anxiety. A dog, of course, is not the only way to solve problems, but it can help to monitor blood pressure. The study of 240 married couples showed that the owners of dogs had lower blood pressure and heart rate than people who did not own them. The similar study of children showed that there was a significant reduction of blood pressure in children suffering from high blood pressure when they stroked a dog (or any other pet) or played with it. Moreover, the children showed improvement in the general mental state, they became more obedient and easier to adapt socially. In addition, people who own a pet, spend more time outdoors, and have a stronger immune system. Dogs can even help in social life helping people stay active and energetic. It has been investigated that keeping a dog may also reduce the levels of bold triglyceride and cholesterol. Dog ownership is considered to be one of the best predictors of survival from a heart attack. It is also believed that pet ownership, dog ownership in particular, reduces national health expenditures (Headey, 1999). Dogs are widely used to help people recover from very serious illnesses. For example, doctors all over the world are amazed how pet dogs help children come out of a comma. There is a belief that animal assisted therapy is a great breakthrough in medicine. However, the practice of using dogs as a part of therapy dates back to the late 18th century, when these animals were introduced into mental institutions to help in communication with patients with mental disorders, people in a state of anxiety and those suffering from cardio-vascular dystopia. Such patients improved behavioral and psychological indicators of anxiety in the presence of dogs. In addition, people in wheelchairs have more positive emotions and easily communicate with strangers when they are accompanied by a dog. Another benefit of communication with animals is immune stimulatory effects of microorganisms, which, in accordance with the hygiene hypothesis, may protect against allergies and autoimmune diseases. Studies have shown that when a dog lived permanently in the house children were less prone to develop an allergy to pets: only 19% of children with a dog in the house compared to 33% of the total statistics of children whose parents did not keep pets. This is not the only surprising fact. Much lower risk of eczema and other skin diseases and higher levels of certain chemicals in the immune system were observed among children who were in close contact with animals, dogs in particular. That allows health professionals to conclude that a stronger activation of the immune system is a result of communication with our pet friends (Headey, 1999). It was also revealed that dogs helped people with cerebral palsy and after insult. Dogs positively influence the recovering of motor functions and mood. Children with Down syndrome are also treated with the help of dogs. For example, in a medical center in Panama, which is under the leadership of Mario Chang, doctors use specially trained dogs in a therapeutic practice that helps to cope with mental and physical disabilities including Down syndrome, cerebral palsy and autism (Dog Helps Boy Recover from Coma, 1992). Companion animals may provide unconditional love and comfort to families with children suffering from autism. Most families reported that their children have very close bonds with dogs and felt comfortable and relaxed with their pets. The admirers of dogs state that dogs make people move more and in that way improve their health. According to the study of 351 people aged 20 to 80 published a few years ago in the American Journal of Preventive Medicine on average dog owners spend a far greater amount of time performing moderate physical activity than those who do not have a dog (Your Pet and Your Health, 2011). A study, which was attended by new owners of a Yorkshire terrier, showed a highly significant reduction in minor health problems during the first month after the purchase of the puppy, and this effect was maintained until the end of the study. Many Americans have even calculated the percentage of survival of patients with the coronary heart disease, and concluded that the owners of Yorkies were significantly less likely to die within a year of acute myocardial infarction as compared to those who did not have a pet. In addition, older people started to spend considerably more time in physical activity, and Yorkshire terriers were thus a necessary stimulus. These results suggest that the acquisition of an animal can have a positive impact on human health and behavior, and have a prolonged effect on the overall condition. It is a proven fact that cat and dog owners exhibit noteworthy improvements in their self-reported physical and psychological health, compared with those who donâ€⠄¢t own a pet (Prokop Tunnicliffe, 2010). Social Benefits McConnel et al. (2011) worked out and held three experiments during which they examined how people benefit from communication with dogs every day. It turned out that the advantages of having a god are stronger when pets fulfill ones social needs. As a result, scientists concluded that â€Å"pet owners often experience greater well-being (e.g., greater self-esteem), exhibit healthier personality characteristics (e.g., more conscientiousness), and show attachment styles that are less negative towards the self (i.e., less fearful, less preoccupied)† (McConnel et al., 2011). One more argument for keeping a dog as a pet is the fact that pets also influence their owner’s well-being. People, who have dogs, seldom suffer from depression, are less lonely, have greater self-esteem, and are happier. Dog owners are better socialized and are closer to other important people in their lives as well as receive more support from them. Scientists found that people and their animals have a strong connection and those who have â€Å"healthier personalities seem to extend their general social competencies to relationships with their pets, and that pets with healthier personalities fulfill their owners’ social needs better† (McConnel et al., 2011). Dogs also provide their owners with social support. Dogs are good assistants for people with disabilities. In many countries, the degree of acceptance of dog guides at public facilities is rather high. Researchers find a number of benefits from this co-work. Not all people know that dogs have been used to assist people with a variety of physical and mental diagnoses since the 9th century. The first documented example of the therapeutic use of animals â€Å"occurred in the 9th century in Gheel, Belgium, where animals were part of the ‘therapie naturelle’ provided for the handicapped by members of the community† (Bustad Hines, 1984, p.20). Owners and pets’ well-beings are closely related. It was studied that there is â€Å"a link between care for sick pets and owner health† (Your Pet and Your Health, 2011). When a person provides veterinary care for a pet he/she can improve his/her own health. It can be explained by the fact that when â€Å"patients like these report being more vigilant about their own condition because they think of their pet’s condition frequently† (Your Pet and Your Health, 2011). They become more interested in knowledge of the disease, focus more on treatment provided to their pets and to themselves and do the right things. A pet’s disease, that in most cases may be the same as their owners` disease, makes them think not just about their own health; as a result they become more concentrated and disciplined (Your Pet and Your Health, 2011). From a social point of view, a walk with a dog allows not only enjoying fresh air, but also, for example, it is easier to start a conversation or strike up an acquaintance with someone. Walking with dogs or just pet care can provide moderate exercises and fellowship for those who are already at an advanced age. Lower Stress One of the benefits of owning a dog is that it is a master at helping people relieve stress and feel calm. It is well know that talking to a friend about a problem improve a person`s emotional state. A friend should be a good listener, so a dog is a good party. When a person is upset or sad, a dog can give a stress outlet helping to improve mood. It has been proven that people experience less stress caring out stressful tasks when their dogs are with them (Raina et al. 1999). In addition, people, who are with dogs while working, have lower levels of stress during their workday. It was found that having dogs in the workplace improved morale among all staff members. Dogs are tactile creatures. When people are stressed, it is a good remedy to stroke a pet. A dog may lick you and it is emotional exchange. This is the interaction when people do not have to think about what someone else is thinking. When dog owners come home, they are sure that their favorite pet will wait for them. Feeding a dog and playing with it relieves routine stress and improves mood. Thus, having a furry friend can reduce stress and bring support when times get tough. Improved Mood For people who love animals, it is almost impossible to stay in a bad mood when they look into the eyes of their favorite dog. Researchers support the idea that animals, dogs in particular, provide their owners with mood-enhancing benefits (Allen et al., 1991; Raina et al., 1999). Animals are much easier to cope with as compared to people, as they will definitely love people without judging their words and actions. A research has shown that a person needs to spend with a dog only approximately 30 minutes to feel more relaxed (Raina et al., 1999). In addition, playing with a dog raises the brain’s levels of serotonin and dopamine, which are neurotransmitters associated with tranquility and pleasure. Thus, simply stoking a dog it is possible to reduce blood pressure and bring balance to a person`s physical and emotional state (Charnetsky, Riggers Brennan, 2004). Home Security and Safety Many dog owners believe that their houses will not be robbed because of a vicious dog. Dogs are usually loving and sweet. However, they are extremely protective when a stranger comes to the door. Studies show that vicious and barking dogs put off many potential burglars. Using a dog as a home security system saves a lot of money, as security systems are expensive. Even a small dog may make a person safe at home, as it may be a reliable alarm. Barking is able to deter potential burglars and intruders. A loud barking makes neighbors look out a window and if necessary call police. Moreover, dogs do not need to learn how to use a weapon or learn safety rules. Their main weapon is jaws and claws. Dogs and Children Psychologists believe that children who have dogs perform better at school. Reinhold Bergler, a German psychologist, found that children whose families had dogs at home were of an exemplary behavior at school and were more successful. The professor and his colleagues interviewed 400 mothers about the behavior and learning abilities of their children aged 13-15 years. Half of the respondents had dogs. It was found that children with dogs, especially boys, usually got better grades at school than their peers without four-legged friends. It is believed that regular walks, feeding and bringing up create a sense of responsibility in children (Shubert, 2012). Animals help children become more concentrated; they capture children’s attention and teach lessons about life, devotion, love, and affection. Many children see dogs as their peers and they learn a lot from animals’ body language. In addition, it is easier to teach children become sympathetic, as animals are straightforward in their behavior and when expressing their feelings. Children-animal bonds contribute to mood improvements, higher confidence and greater empathy (Serpell, 2008). live CHAT Child psychologists unanimously recommend getting a dog for a child who suffers from a lack of communication, is reserved, suspicious etc. The appearance of a puppy is an important part of parenting; it can change the nature of a reserved child for the better. He/she will take care of someone, talk to someone he/she trusts and with who he/she can share his/her secrets without a fear that a friend will spill the beans to someone. In addition, experts are confident that having a puppy brings feelings of responsibility, compassion and concern in a child; it teaches him/her to have the routine of the day as the dog usually gets used to walking at certain hours. In addition, the child receives daily charge of joy while communicating with a shaggy friend. Adopting a dog brings fun and friendship into one’s home and improves a person`s health and mental state. There is no doubt that owning a dog requires hard work especially at the beginning. However, if difficulties are put aside it becomes evident that good things prevail. Dogs can reduce stress, improve health, ease loneliness, promote social interaction and exercises as well as provide a person with affection, the sense of well-being and unconditional love. It should be emphasized that having a pet dog is very beneficial to those who are ready to take care of a pet. The benefits of owning a dog are the following: a positive effect on human health; development of communication skills; an important role in family relationships; child fostering; and positive influence on behavior. Dogs are also able to decrease the level of despair and anxiety, increase feelings of well being and devotion, increase mental capabilities and increase social functioning. In other words, owning a dog really makes a difference in people’ daily life. In addition, there are many real stories glorifying dogs, which have saved people’s lives in different situations. It is known that dogs have a special sense of prediction and are able to quickly respond in case of emergency.

Legal Services for Prisoners Essay Example | Topics and Well Written Essays - 1750 words

Legal Services for Prisoners - Essay Example hat the US correctional department desired to establish a healthily lifestyle for the prisoners after the correctional period by implementing the policy of the above stated policy i.e. prison education. Thus, the American Central Security Control has designed effective prisoners’ education based programs with the aim of enhancing the job as well as rational skills, which will assist them to become more productive and law abiding citizen (Esperian, 2010). Based on this understanding, it can be claimed that the author of this article has evaluated the trend of prison educating program with the aim of identifying the criminal recidivism of the American citizens. More precisely, it can be asserted that the author has tried to identify the effectiveness of the varied prisoners educating programs. At the same time, the author has also tried to identify the involvement of the Federal Bureau of Prisoners in developing the different correctional education based programs (Esperian, 2010). In order to identify the goals or the desired outcomes of the policy or the program under examination, it can be asserted that the American Central Security Control has tried to develop the job and rational skills of the prisoners with the aim of deriving varied productive outcomes. At the same time, through implementing this correctional program, the US Federal Bureau of Prisoners has endeavored to grow law abiding responsibilities amid the prisoners. Moreover, it can be also claimed that the American Central Security Control has also tried to reduce the tendency of criminal recidivism prevailing amid the American prisoners (Esperian, 2010). In order to highlight the relevant concept or theory to the above identified goals or outcomes, the â€Å"Social Learning Theory† can be apparently noted as relevant in this context. Justifiably, in this regard, it can be claimed that ‘Social Learning Theory’ is a particular aspect, which is highly associated with self-efficacy. Moreover, it

Should Induced Abortion Be Prohibited To Protect Fetus' Human Rights Assignment

Should Induced Abortion Be Prohibited To Protect Fetus' Human Rights - Assignment Example In a global context we find that in 17 out of 18 nations polled around the world, majorities reject using criminal penalties, such as fines and imprisonment, as a means to prevent abortion. On average across all 18 countries, 52 percent favor leaving the matter of abortion to the individual, while 42 per cent think their government should try to discourage abortions. This shows exactly how heated the debate on induced abortion must be! When discussing induced abortion the most significant question that comes to mind is can we choose to kill unwanted pregnancies? Does the charter of human rights apply to humans after birth or as early as an embryo? Critics of abortion argue that since life begins at conception, abortion is next to murder as a human life is taken. They believe that abortion is in denial of the sanctity of human life. On the other hand supporters of induced abortion justify that almost all abortions occur in the first trimester when the fetus is entirely dependent on th e mother and thus cannot be claimed as a separate human being. Also as the fetus is part of the woman’s body it should be entirely her decision whether to go through childbirth or opt for abortion. People are divided into two groups; Pro-Life, inclusive of those people who advocate the protection of human embryos and fetuses and vote for the outlawing of abortion on the basis that is murder, and Pro-Choice, i.e. people who support the basic right of women to choose whether or not to continue pregnancy till childbirth. The single treaty that actually grants specific rights to foetuses is the American Convention on Human Rights of 1969, signed by 24 Latin American countries, which says that human rights begin at the moment of conception5. The United States of America has not signed this treaty. However this treaty does not enforce signatories to ban abortion, according to the most recent interpretation. Now let’s discuss abortion from a religious point of view. Religion indeed has the inclination to get involved in the majority of debates. Clerics are

Commercial debate Essay Example | Topics and Well Written Essays - 1000 words

Commercial debate - Essay Example In such a case, the agent himself will be held to be liable to the third party for a breach of an implied representation of authority. Moreover, a breach of such a kind would exempt the agent from claiming any reimbursements of expenses incurred in the line of duty or his own service associated charges. Where an agent purports to act in a way not expressly stated by the principle, his duties are considered in light of any implied authority awarded by the principle. Hence, an agent who engages in a contract for the supply of goods for the principle will be impliedly allowed to sign documents of payment and title for the principle (Rosenbaum v Belson (1900) 2 Ch 267). However, the concept of implied actual authority is applied cautiously by the courts in interpreting agreements and the act done by the agent must truly be incidental to his tasks. Thus, factors such as the course of dealings which are widely accepted in the line of business between the agent and principle (Nickalls v Mer ry (1875) LR 7 HL 802)), his occupation and profession, and the test of usual authority all apply to the determination of the agent’s scope of authority. However, there are cases where the extent of the authority of the agent is overridden by the third party’s reliance on his representation. The presence of this ostensible authority is what is essentially made available to the third party, as in practice the third party would rarely ever get to see the terms of the actual contract between agent and principle. Thus, given that he relies on the apparent authority of the agent (which includes knowledge of the agency, knowledge of the presence of a principle, and reliance on the representation of the principle (see The Tatra (1990)), the agency will operate by virtue of the Equity principle of estoppel, enabling the principle to be bound to the third party even if the agent acts outside the authority awarded to him by contract so long as the agent acted within the authorit y represented by the principle to the third party. This has the ability to negate the consent of the principle as the agent may very well be acting outside the authority granted to him by express or implied actual authority, and exists solely in favor of the third party (Freeman and Lockyer v Buckhurst Park Properties (Mangal) Ltd (1964)) who has altered his position in reliance on the representation of the agent. Equity in this case creates an agency by estoppel binding the principle to the contract with the third party. Thus, it follows that to establish apparent authority all which is required is a representation by the principle of appointing the agent as his representative agent and the third party to rely on that representation to his detriment. No further allusion is required by the principle, so much so that the representation may even be made by silence (Spiro v Lintern (1973)), along with the third party knowing or possessing some knowledge of his capacity as agent of the principle. This is one case where the agency is created without strict adherence to the consideration of the actual extent of the aut