HELP, really long, but please help: Disabled, Bankrupt, No vehicle, Might have to drop newly gotten insurance?

I’m 33 years old, bankrupt (chapter 7), my 49cc scooter is my only vehicle, I’m living w/ my parents, and I work a part-time minimum wage job 3 miles from home for money. I have mild cerebral palsy and epilepsy, just got approved yesterday for insurance at $230 per month, saw a doctor 3 days ago and got a neurology referal and some temporary meds (Dilantin and Flexiril). Neurologist appointment is Oct 5th.

I had some vacation time (unpaid) that I was taking next week and was going to look for a new (better paying) job. Now I can’t do that because I wouldn’t have a vehicle to take me back and forth. I opened a new checking and savings account a month ago and signed up for online banking (w/o bill pay) earlier this morning, but the medical lately left the balances low (reason why I got insurance). I thought that I was finally making some headway in my life.

Then, my scooters lights went out on me (nearly all of them), on my way home, an officer stopped me and told me that I cannot use the scooter anymore until I get the lights fixed. Cost of getting them fixed is $55 hr for labor + parts (possible 3 – 4 hour job trying to find the problem (according to the scooter shop I purchased it from). The other shop, a yamaha store, said labor is $110 per hour. I just cannot afford to get it fixed now that my medical insurance is being taken out this next payday (done through autopay). I’m flat broke, nothing left in savings or checking right now. I can’t ride a bicycle because my knees and ankles are screwed up due to the cerebral palsy. This was the last straw, it left me dead in the water. I have no more options left anymore.

I’m seriously at the end of my rope, I’m ready to quit my job, say to hell with the insurance, and the doctor, and the neurologist, and my scooter. I’m ready to drop out of society period and say F*CK IT ALL.

What do I do???

What can I do???

Any suggestions to get me out of this damn mess short of a bullet to the brain?

Seriously, at this point, suicide might not be such a horrible option anymore. I’m sick and tired of this god damned life. I literally have no reason left to live, everything I try to do to get back on my feet has failed me. I could rob a bank? Maybe I should shoot and kill someone? I might get the chair, but at least for the next 20+ years, I’ll have a roof over my head, free meals, free medical care, and no more work to deal with.

All joking aside, I need options, real options. WHAT CAN I DO TO GET BACK ON MY FEET?

Please HELP ME…
Gaijin, I did contact them, about two months ago, they have no offices in my city and refused to help me.

The Thing You Need To Be Aware Of Long-Stay Take A Trip Insurance

Traveling overseas is compared to investing a huge number of money over a certain business venture. Exactly like any internet business venture, it is best to have insurance cover. In the following case, you need to get go insurance. At this point, some individuals travel for two days or even weeks simply. But if you have plans of staying for quite a while abroad, long-stay go insurance is a good choice plus a wise step.

The price tag of located overseas will be rather expensive particularly if you’re there for an extended time. Not simply that, the potential for loss of encountering an uncontrolled event, accidents, or accident is likewise quite huge. There are various kinds of insurance along with travel insurance cover is one of them. At this point, under go insurance you are going to still need to choose among various kinds of coverage. Intended for longer reside overseas, look at to purchase long-stay go insurance.

This kind of insurance is like every other travel insurance policies. it may protect people while you’re in a foreign place. However, your travel will probably be covered for your longer period of time or length. Individuals traveling more often than once in some sort of span of one year should get this travel insurance plan Auto Traffic Xploit with the many positive aspects. You can save period, money, and also trouble. With this policy, you don’t need to purchase go insurance when you go abroad due to the fact one coverage can include multiple trips in the year. Given that your go is inside ‘insured time’, you will be safe and protected.

When you have long-stay go insurance, you may be insured against theft, medical emergencies, death, and a great many other situations. The carrier will determine the restrictions which is legitimate with any good travel insurance plan.

The costs change from carrier to be able to another but in the event you give yourself time to buy travel insurance coverage, you might be able to find a cheaper insurance prepare Free Money Formula. this insurance is pricier approach other varieties of travel insurance but it is really a smart investment especially if you vacation frequently. When you are considering a very good insurance carrier, make sure which you choose usually the one with a great reputation. The carrier must be specialized within offering long-stay vacation insurance.

So for those who have plans with staying much time overseas or should you travel a great deal, there is often a need regarding long-stay vacation insurance. What you need to do is contact your insurance company. Ask regarding trip price tag estimates to enable you to calculate the particular premiums. Try for being realistic mainly with the price tag on the insurance plan. By the process, you may avoid difficulties and staying uninsured. If in the future you want an ideal and worry-free go, make sure that you just have long-stay vacation insurance.

You will have two solutions – you are able to talk to some licensed ins . agent or you to the particular insurance firm’s official internet site and aid yourself into the various sources there. Out of then upon, you can face any kind of unforeseeable event in your travels.

Get some sort of quote now as well as several quotes to help you choose the most beneficial among them with regard to price and coverage. There are actually websites Auto Mass Commissions online that allows travelers in order to compare a bunch of travel schemes; take benefit of this great possiblity to shop with regard to long-stay go insurance on-line. This is actually surely an investment you not regret.

Do I need disability insurance (Supplemental insurance)

My next door neighbor had a good paying career with a family owned company, wife and three kids , a cottage in the country side, and greta vacations in Europe each year.

One Sunday morning, just before the Easter holidays, while jogging in the parc, he felt extreme pain in his upper chest. Realizing he must be having a heart attack, he asked his body to  drive him to the emrgency room.

He had to undergo urgently a heart surgery. His operation was successful however he had to stop working for 5 months and then he was only able to get back to work a few hours per day. His income was halved and the family had to sell some of their retirement savings in order to pay their growing debts. His wife had to go back to work and her mother moved in with them to help out.

This type of situation can happen to any time, illness or accident can have huge impact your life.

Hoe can disability insurance help?

Disability insurance or as sometimes referred to salary or supplementary insurance is a great solution to protect one’s income from unpredicted life changing events. However it is important to understand the conditions and limitations in these types of contacts in order to validate protection is adequate.

At first, the insured person’s profession will determine eligibility and consequently cost of premiums. For example an electrician because of intense physical work faces more risk of disability than an accountant. The insured person’s gross income has to be calculated. It is recommended to insure from 60% to 65% percent of gross income as insurance benefits are tax free in Canada.

The insured can choose a proposed amount or reduce it to his convenience and proceed to the next step that is to choose the waiting period and the length of benefits period.  The waiting period can vary from 14, 30, 60, and 120 days and is the period during which no benefits are paid following a disability.

The benefits period can be selected from 2 or 5 years or to the age of 65 and can be extended in some cases.   Logically the longer the waiting period is, the lower the cost of insurance premium and vice-versa the longer the benefits period is the insurance cost is higher. There are many other options to choose from depending on the product selected and the service provider. Such options are residual or partial disability (more on this in future articles), future insurability protection, cost of living adjustment, and more.

Disability insurance is complex and requires a deep analysis for every client.

People have to become aware that some disability insurance cover in case of accident only and has many conditions in both the waiting and benefits periods.

Travel Insurance – the Perfect Solution for Enjoying a Peaceful and Relaxing Vacation!

Travel insurance is one of the most searched from all the insurance policies available, one that is especially created in order to cover a range of financial and medical expenses, as well as other unavoidable losses that occur sometimes while traveling, be it on a local level, within one’s own country, or internationally.

Regarding its elaboration, you should know that travel insurance is one of the most “comfortable” insurances from this point of view, meaning that this particular type of insurance can usually be arranged when you book a trip and has as the specific purpose of covering all the risks that may arise within the duration of the trip. Or if you are a more “careful” person, you can always choose a continuous insurance that can easily be purchased from (in most cases) travel agents, travel insurance companies, or you can get it directly from different travel suppliers, such as cruiselines or tour operators.

Regardless of the way of purchasing it, you should definitely not leave in a trip without having some kind of travel insurance, because this specific type of insurance offers in many cases a coverage that is as complete as it is worthy of any cost and that certainly has the ability of satisfying the tastes of different tourists. Travel insurance policies have diversified at the demand of potential insured clients complaining of the lack of diverse policies, suitable to varied needs and financial possibilities. Now we can choose between adventure travel, business travel, student travel, leisure travel, cruise travel, and international travel – all these options having the possibility to be included within regular travel insurance.

The risks that are most encountered in the coverage provided by a travel insurance are:

• Accidental injury, death or disablement benefit

• Cancellation

• Curtailment

• Delayed baggage (and emergency replacement of essential items) etc.

If you have solved the insurance problem it means you have already chosen from the range of travel destinations choices the one that best suits your personal preferences. Your dream vacation should definitely include the top holiday destinations of 2007, even though the prices may be a little bit spicy. The votes have already been counted. This year, professionals in this field have scoured the globe and gathered an “army” of authors and experts with the specific purpose of identifying the most emerging, surprising or thriving travel destinations. After an elaborated process of thinking and taking in consideration many different aspects, they’ve announced the places not to be missed in 2007.

The top travel destinations are:

• Krakow, Poland – Krakow is now, with its outstanding historic landmarks, a UNESCO World Heritage Site

• Tokyo, Japan – Tokyo has the largest metropolitan gross domestic product in the world for a city, and it held the title of the world’s most expensive city for over a decade from 1992 through 2005

• Minneapolis, Minnesota – A Midwestern city famous worldwide for its fine arts community and gorgeous city layout, Minneapolis is experiencing a cutting-edge design boom

• Panama – Panama has the same kind of appeal as a destination like Costa Rica – rainforests, snorkeling and volcanoes

The Lowdown on Discount Australian Travel Insurance

 

There are a number of essentials a traveller shouldn’t leave home without – travel insurance is one of them. Designed specifically to help you out of sticky situations in lands afar, travel insurance can cover a number of expenses including medical costs, financial loss, alternate travel expenses and legal fees amongst others. Travel insurance is able to cater to various types of travellers. Packages designed for business, backpacking, annual, frequent, leisure, adventure and student travel are available, with the option of both international and domestic plans.

 

The cost of such insurance can quite commonly be a deterrent for travellers on a budget. However, shopping around can get you the deal that is perfect for you and your travel plans. A large percentage of Australians head straight to a travel agent for all their insurance needs; this method will generally end up costing you more as travel agents take a portion of your total payment for commission. Arranging insurance through an agent seems like the easier method, but it is often doing more damage to your funds as opposed purchasing online, which is free of commission charges.

 

Purchasing travel insurance via the Internet can often seem problematic for non-online geniuses, but you will find that all good online travel insurance providers are equipped with a helpline and a real person at the end of it! There is generally a ‘pay over the phone’ option too.

 

Travel insurance prices vary greatly based on a number of factors. Length of travel period, place of travel, type of travel (international or domestic), age, medical condition and activities undertaken while travelling can all impact the cost of your insurance plan. Quotes are easily obtained online after entering your travel details. Whether it’s a five day trip or a year long journey, prices are likely to vary based on individual circumstances as well.

 

What is usually included in a standard travel insurance plan? The following is a list of essentials you can expect when researching deals:

 

Medical expenses (including hospital and emergency)

Cancellation fees and lost deposits

Travel and luggage delays

Loss of income

Personal liability

Accidental death

Theft

Alternate travel expenses

Permanent disability

Some leisure activities and sports (e.g. skiing and golf)

 

 

 

Some things to look out for that may not be included in your policy:

 

Costs associated with adventure activities (scuba diving, skydiving, hang gliding, etc)

Costs associated with pre-existing medical conditions or pregnancies

 

 

 

There are other potential inclusions and exclusions, but these are unique to specific companies and policies.

 

Some more things to look out for:

 

Excess charges – You may think you’ve found a great deal, until you are charged an exorbitant excess fee when making a claim

If you’re purchasing online make sure that the policies are underwritten by a reputable company.

Whether you’ve booked online or with an agent, remember to always read the terms and conditions of your policy. It may sound boring, but it could save you time and money if you pick up on any errors before an incident occurs!

What Everyone Should Know About Travel Insurance

Travel insurance can be a great investment when you are travelling, but you do need to take some time to find the right policy without going overboard. The complexity of these policies is one thing, but not having them and facing a costly problem is quite another. Before you invest in any travel insurance, take some time to consider the options you have and how much insurance you need.

How It Works:

Travel insurance cover could be purchased for several reasons. Each policy has a specific plan or cover in place, which may mean you need to take on several policies to get the full cover you need. On the other hand, this is beneficial because it can help you get only the type of coverage you want and need rather than having too much.

Be careful when selecting travel insurance. You need to get the type of coverage right for your specific trip. In order to select the right type and amount of travel insurance, take some time to consider the options available to you. There are various levels and also various kinds of policies available to you. Choose a policy that covers you where you are going.

For example, if you are going overseas, the policy must provide protection in that country. Tailor the type of policy you selected based on the needs in that area, too. For example, a vacation to San Fransisco could provide you with many health care options, however medical expenses in the US are extremely high. Should you need to seek out medical care, you will either need to pay in cash or you will need to have a travel insurance that is suitable.

In addition, depending on the means in which you decide to travel, select the best insurance cover for you. For example, if you are travelling with a lot of baggage or expensive personal items, you may need to consider more travel insurance than if you were carrying only a small bag. Find a policy that covers the types of activities you plan to do. For some, hiring a car will be necessary which means having insurance to protect you from problems with that car.

It is also important to consider travel insurance that will help pay you back when a trip is not longer possible. For example, you have booked and prepaid expenses at your accommodations, for fare and for tours.

Then, you find out that there is a cancellation needed, but these items may not be refundable. Having cancellation cover can be quite helpful because it will kick in and pay for your costs so you are not out a considerable amount of money.

Don’t Settle:

You may find a travel insurance company available rather quickly to provide you with the insurance you need. The issue, though, can be that the travel cover is not likely to be the most competitive rate available.

One of the biggest mistakes you can make when getting travel insurance is not shopping around. Talk to several insurance providers to find out what they can offer you and which policies are best suited for the type of travel you will be doing. On some websites, you may be able to find an online calculator to help you get a good idea what the costs are.

What Do Policies Cover?

Every individual travel insurance policy will cover various different circumstances, so you should always read the small print. There are several kinds of insurance available to you, which include:

* Travel insurance for medical and dental needs

* Personal liability insurance

* Rental car excess cover

* Delay cover (if you are facing a delay and need to rent a room, this policy may help cover the cost)

* Legal costs

* Cancellation cover

* Baggage cover

* Loss of income

* Domestic pet cover

* Hijacking cover

* Total permanent disability cover

* Accidental death cover

* Domestic services

There are even some very specific policies for such things as golf equipment and skiing protection. In any case, you need to consider the number of risks you face by going on this trip and then choose the right type of insurance cover for you.

With travel insurance, you do need to be careful and not over buy. Having medical cover is a must for many people, and cancellation insurance can be beneficial whenever there is a reason to believe your trip may be cancelled.

If you are unsure about which type or how much travel insurance you need to have you should work with your insurance provider to get just the right amount. Since you can shop for travel insurance online, it only takes a few minutes to get an idea of the cost for the service. Many policies are not costly due to low risk, for a majority of people. Before choosing an option, carefully consider everything available.