By Julian Slowe
 Disability insurance policies are designed to pay part of your wages should you be injured in an accident or are unable to work because of illness. Here are two types of policies available: long-term disability and short-term disability.
Short term disability pays a portion of your wages should you be out of work due to injury for up to one year. Some employers pay for this benefit for their employees, some offer it for employees to purchase.
If you have a pre-existing medical condition, the time to enroll is during the initial enrollment period when a medical exam is not required.
Replacement of wages is only partial; insurance underwriters, as well as your employer, want you back at work as soon as possible. Usually there is a waiting period of 14 days in which you will not receive payment.
Long term disability policies are purchased to replace what your potential earnings would be from the time you become disabled until age 65 when Medicare would be available.
For instance, if you are 55 and make |
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By Julian Slowe
 Health and fitness is most of the time associated with physical appearance-especially weight. And why not? It is the weight of the person can tell whether he or she is living a healthy lifestyle due to the foods and habits that he or she has.
For those who think that their weight greatly affects their self-esteem because of physical appearance, health, emotional stability, physical abilities and the overall quality of their life in general, then it is about time that they contemplate on losing weight.
When does losing should start
People who have finally decided to lose weight should know where to begin. First, he or she must determine the real reason or reasons why they would want to lose weight. By determining and establishing the reason/s why one would want to lose weight, this can help him or her because they can these as motivations during the weight loss phases they are about to face.
Next, they must know it within themselves if they can truly and whole-heartedly commit in doing the things necessary for them |
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