Three types of hair loss that can be associated with high stress levels are:
Telogen effluvium. In telogen effluvium (TEL-o-jun uh-FLOO-vee-um), significant stress pushes large numbers of hair follicles into a resting phase. Within a few months, affected hairs might fall out suddenly when simply combing or washing your hair.
Trichotillomania. Trichotillomania (trik-o-til-o-MAY-nee-uh) is an irresistible urge to pull out hair from your scalp, eyebrows or other areas of your body. Hair pulling can be a way of dealing with negative or uncomfortable feelings, such as stress, tension, loneliness, boredom or frustration.
Alopecia areata. A variety of factors are thought to cause alopecia areata (al-o-PEE-she-uh ar-e-A-tuh), possibly including severe stress. With alopecia areata, the body's immune system attacks the hair follicles — causing hair loss. To Your Wellness, Erika Seaborn, M.A. - Independent Insurance Agent #alopecia#alopeciaawareness#alopeciahealing#eseabornadvisor#eseaborninsuranceagent#Evonika❤ღ❤️
Annuities and Medicaid Planning
Immediate annuities can be ideal Medicaid planning tools for spouses of nursing home residents. For single individuals, they are usually less useful. An immediate annuity, in its simplest form, is a contract with an insurance company under which the consumer pays a certain amount of money to the company and the company sends the consumer a monthly check for the rest of his or her life.
In most states the purchase of an annuity is not considered to be a transfer for purposes of eligibility for Medicaid, but is instead the purchase of an investment. It transforms otherwise countable assets into a non-countable income stream. As long as the income is in the name of the community spouse, it's not a problem.
In order for the annuity purchase not to be considered a transfer, it must meet three basic requirements:
It must be irrevocable--you cannot have the right to take the funds out of the annuity except through the monthly payments.
You must receive back at least what you paid into the annuity during your actuarial life expectancy. For instance, if you have an actuarial life expectancy of 10 years, and you pay $60,000 for an annuity, you must receive annuity payments of at least $500 a month ($500 x 12 x 10 = $60,000).
If you purchase an annuity with a term certain (see below), it must be shorter than your actuarial life expectancy.
The state must be named the remainder beneficiary up to the amount of Medicaid paid on the annuitant's behalf.
Example: Mrs. Jones, the community spouse, lives in a state where the most money she can keep for herself and still have Mr. Jones, who is in a nursing home, qualify for Medicaid (her maximum resource allowance) is $119,220 (in 2016). However, Mrs. Jones has $229,220 in countable assets. She can take the difference of $110,000 and purchase an annuity, making her husband in the nursing home immediately eligible for Medicaid. She would continue to receive the annuity check each month for the rest of her life.
In most instances, the purchase of an annuity should wait until the unhealthy spouse moves to a nursing home. #annuities#medicaid#nursinghome#insurance#eseabornadvisor#Evonika❤ღ❤️
The Vaccines for Children program is a federal program for children who are uninsured or on Medicaid to obtain vaccines. The vaccines are purchased in bulk by the government at reduced prices, then provided free to doctors for the sole purpose of administering to them to these children. The doctors do not own the vaccines, they just keep them on hand for this specific purpose. They aren’t to sell the government issued stock by billing insurance companies, for for doing so is misappropriation of resources. The vaccines are not substantively different than the ones doctors purchase for resale to their insured patients. They may or may not be a different brand or type, depending on what deal the government procurers were able to get, but they are still approved vaccines. A doctor might have two inventories of the exact same vaccines, one purchased by the medical practice, and the other provided for free by the government for the specific use of administering to uninsured and Medicaid patients.
The Mental Health Parity Act (as of 2008, known as the Mental Health Parity and Addiction Equity Act, or MHPAEA) is a federal law that prohibits group health plans and health insurers from imposing unfair and unfavorable limitations on mental health or substance abuse disorder benefits, when compared to the medical and surgical benefits they offer. Specifically, the MHPEA mandates that dollar limitations on mental health benefits (either annually or for a lifetime) should not be lower than any pre-existing dollar limitations for other medical benefits. #mentalhealth#mentalhealthawareness#mhpaea#insurance#eseabornadvisor#Evonika❤ღ❤️
While it’s easy for many to complain about not having their power restored in the amount of time they desire, one must consider the hazardous conditions the linemen have to face while working to ensure we have power. It’s easy to sit and post complaints on social media about being weary of waiting , and how much one is paying for services and want a refund for the days they don’t have service...but consider this, our bills help pay the salaries of those who risk their lives in hazardous conditions to ensure we have power. While I also went without power for approximately 14 hours a during the snowstorm, I kept in mind how many people go without power daily or don’t have a roof over their heads. I’m thankful for The Lord using those who are skilled at what they do, to help others...while keeping them safe in such hazardous conditions. Everyone’s job influences a multitude of people who rely on their services and the fruits of their labor, so when they’re under pressure or working in adverse conditions...keep in mind, these are human souls not machines. #Evonika❤ღ❤️ #eseabornadvisor#dominionenergy