Protect Yourself Against Livestock Loss

As an individual, you carry insurance to protect against loss that may be incurred for one of several reasons. You insure your home in the event of a catastrophe like a fire or burglary. You insure your car to protect yourself against the loss of property due to an auto accident. This is in addition to the insurance that will cover any liabilities you incur if the accident is deemed to be your fault.

As a business owner, you carry insurance to cover the loss of assets, and you may even carry professional liability insurance, depending on your profession. If you are a farmer, covering your livestock is the equivalent of business insurance that owners and operators carry. The loss of livestock is the loss of your livelihood. So why would you not cover the potential loss with a good insurance policy. Companies like the Ark Agency can set you up with a livestock mortality insurance policy that will give you the peace of mind in knowing that your source of income is protected should the unexpected happen.

Livestock such as cattle, sheep, goats and hogs can usually be insured. You can get coverage with either a full mortality and theft policy or a limited mortality insurance policy. A full policy will cover the death of an animal that is caused or made necessary by natural as well as accidental causes. Coverage applies while the animal is in either the continental United States or Canada. These policies also cover theft. Animals must be in good health and under a certain age to qualify.
Animals that do not qualify for coverage under a full mortality policy may qualify for a limited mortality policy. These policies cover the loss if the animal’s death was caused by one of several listed perils. Examples of these perils include things like lightning, fire, storms, and traffic accidents occurring while the animal is in transit. These policies may also include electrocution, being struck by falling buildings, attacks by wild animals and theft. When theft is involved, it may not be necessary to prove the animal has died, only that it was stolen.

If your source of income depends on the welfare of your livestock, you might want to look into a policy that is customized for your particular needs. Just like with any other business, it only makes good sense to be covered in the event of an unexpected loss.

Are You a Good Candidate for Dental Implants?

A dental implant is an artificial tooth root. A dentist will place the implant into the jaw to keep a replacement bridge or tooth in place. As the implant is attached to the jawbone, it provides ample support. You never have to worry about implants shifting or slipping in your mouth while you’re speaking, eating, or drinking.

If you have lost a tooth or teeth due to injury, disease, or another incidence, dental implants may be a great option. In order to be considered for a dental implant, you must be in good health with healthy gums. There are some diseases and conditions that may affect whether the dental implant will fuse to the bone properly. These conditions include, but aren’t limited to, radiation to the jaws, uncontrolled diabetes, uncontrolled periodontal gum disease, and cancer.

You must also have to have adequate bone to anchor the implant in the jaw. If you have lost a significant amount of bone, a dentist may be able to rebuild it using specialized augmentation procedures. Finally, a dental implant is most successful when the patient is committed to taking good care of it. You must brush and floss on a daily basis and schedule routine twice yearly appointments with the dentist.

If you’re interested in Brooklyn dental implants and would like more information about whether or not you’re a viable dental implant candidate, get in touch with your dentist or another local dental provider.

Crushing Medical Debt and Obamacare- Will It Help or Hurt The Average American?

Medical debt is one of the most crushing financial problems for people throughout America today. Part of this is due to rising healthcare costs and the complexity of health care treatments. Medical debts are also be a significant problem in America because as a nation a larger percentage of the population is aging. But no matter what the reason is, for those people who are dealing with significant medical debt the unexpected costs can be a real problem. In fact, medical debt is one of the primary reasons people file for bankruptcy in America today.

For many people the question arises as to whether Obamacare will help or hurt their medical debt and medical expenses. The answer to this question is a complex one. For those people with no medical insurance, or those who cannot get insurance readily because of a pre-existing condition, Obamacare will certainly help with medical debts. However, for those people who already have health insurance their medical debts will increase because of some of the mandates and because health care costs in general are set to increase.

Additionally, for people who do not presently carry health insurance and cannot afford medical coverage, or for those who do not need any primary medical coverage other than major medical because of their young age or good health, Obamacare will actually significantly increase their medical debt. This will apply to millions of Americans.

While there will be some benefits for the uninsured and those people who have insufficient coverage because of their high risk status, the Obamacare mandate will force people who do not have any coverage, those who lack sufficient coverage, and those who cannot afford coverage, to pay for either a new insurance premium or pay a tax penalty for failing to keep health insurance coverage.

In addition, medical care debt will increase for another substantial category of people. It will affect many employers a great deal. This is true especially for the smaller companies who often struggle in this economy to make ends meet. For these people this medical debt will be potentially devastating. In these cases, the smaller companies will either have to reduce employee work hours to avoid the mandates, reduce their amount of employees, or potentially close their doors after the Obamacare mandates take affect if the burden of providing their employees with healthcare becomes to costly.

So while there are those people who will benefit by Obamacare by reducing their medical debts, there is an overall increase in medical debts for the vast majority of Americans because of Obamacare. In addition, the cost of healthcare will increase as healthcare providers attempt to offset their losses under the new billing and cost of care mandates.

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