May 2014 - Susman
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Twitter Is Too Short

Twitter does Health Care Insurance? What? Does that mean I can Tweet my Gyno when I am in vaginal discomfort, and get a quote for a check-up at the same time?#drydwnthrere

Suddenly finding coverage became as easy as one, two, tweet-Introducing the Health Care Marketplace, the one-stop shop where there is coverage for everyone with anything. I just received 22 tweets on “How to stop vaginal dryness, during menopause”, perhaps I do not even need to see the Gyno now-I have all the answers I need from Twitter!

I am not one for talking, so tweeting my health care needs are a great option for me. When you think about it, going into your insurance office, looking someone in the eye and trying to explain-“I’m a healthy, middle-aged-menopausal woman but, I keep finding myself standing in front of the open freezer door at night” I would rather hash tag#

Does that mean #price guarantee can find me a long-term care facility, when I start losing my car in the parking lot? Preferably one with a pool, maid service and a view over-looking the country side! Either way, I am in! I want to tweet random quotes, to random people about completely private health issues!

How did we live before Twitter?
How did we live before Twitter?

Airbags: These Devices Have Slashed The Highway Death Toll

Transportation_PassengerAirBagLogoAirbags are one of the most important safety innovations of recent decades. They provide crucial cushioning for people during a crash. The devices are normally hidden from view but inflate instantly when a crash begins. Thanks to the advocacy of IIHS and others, frontal airbags have been required in all new passenger vehicles since the 1999 model year. Side airbags aren’t specifically mandated, but nearly all manufacturers include them as standard equipment in order to meet federal side protection requirements.

Both frontal and side airbags save lives. Frontal airbags reduce driver fatalities in frontal crashes by 29 percent and fatalities of front-seat passengers age 13 and older by 32 percent. Side airbags that protect the head reduce a car driver’s risk of death in driver-side crashes by 37 percent and an SUV driver’s risk by 52 percent.

Engineers keep finding new ways to use airbags. Some vehicles now have rear-window curtain airbags to protect people in back seats or front-center airbags to keep drivers and front-seat passengers from hitting each other in a crash. There are also inflatable safety belts aimed at reducing rear-seat injuries.

Source: Insurance Information Institute, “Airbags.” iihs.org website. Accessed May 29, 2014. http://www.iihs.org/iihs/topics/t/airbags/topicoverview

© Copyright 2014. All rights reserved. This content is strictly for informational purposes and although experts have prepared it, the reader should not substitute this information for professional insurance advice. If you have any questions, please consult your insurance professional before acting on any information presented. Read more.

Safety & Prevention

Transportation_ChildCarSeatAn air bag can save your life. However, air bags and young children are a dangerous combination. The following information will help keep you and your children safe: The safest place for all infants and children younger than 13 years to ride is in the back seat. Never put an infant in the front seat of a car, truck, SUV, or van with a passenger air bag.

All children should be properly secured in car safety seats, belt-positioning booster seats, or the lap and shoulder belts correct for their size. All infants and toddlers should ride in a rear-facing car safety seat until they are 2 years of age or until they reach the highest weight or height allowed by their car safety seat’s manufacturer.

All children 2 years or older, or those younger than 2 years who have outgrown the rear-facing weight or height limit for their car safety seat, should use a forward-facing car safety seat, up to the highest weight or height allowed by their car safety seat’s manufacturer.

All children whose weight or height is above the forward-facing limit for their car safety seat should use a belt-positioning booster seat until the vehicle seat belt fits properly. When children are old enough and large enough to use the vehicle seat belt alone, they should always use lap and shoulder seat belts for optimal protection.

Side air bags improve safety for adults in side impact crashes, but children who are not properly restrained and are seated near a side air bag may be at risk for serious injury. Check your vehicle owner’s manual to see what it says about children and side air bags.

New “advanced” air bags make travel safer for adults, but it is not yet known how they will affect the safety of children. Even though these new air bags may be safer, the back seat is still the safest place for children younger than 13 years to ride.

What Parents Can Do: Eliminate potential risks of air bags to children by buckling them in the back seat for every ride.Plan ahead so that you do not have to drive with more children than can be safely restrained in the back seat.

For most families, installation of air bag on/off switches is not necessary. Air bags that are turned off provide no protection to older children, teens, parents, or other adults riding in the front seat.

Air bag on/off switches should only be used if your child has special health care needs for which your pediatrician recommends constant observation during travel and no other adult is available to ride in the back seat with your child.

If no other arrangement is possible and an older child must ride in the front seat, move the vehicle seat back as far as it can go, away from the air bag. Be sure the child is restrained properly for his size. Keep in mind that your child may still be at risk for injuries from the air bag. The back seat is the safest place for children to ride.

Source: Insurance Information Institute, “Safety & Prevention.” healthychildren.org website. Accessed May 29, 2014. http://www.healthychildren.org/english/safety-prevention/on-the-go/pages/air-bag-safety.aspx?nfstatus=401&nftoken=00000000-0000-0000-0000-000000000000&nfstatusdescription=ERROR:%20No%20local%20token&nfstatus=401&nftoken=00000000-0000-0000-0000-000000000000&nfstatusdescription=ERROR:%20No%20local%20token

© Copyright 2014. All rights reserved. This content is strictly for informational purposes and although experts have prepared it, the reader should not substitute this information for professional insurance advice. If you have any questions, please consult your insurance professional before acting on any information presented. Read more.

Air Bag Safety

Transportation_DeployedAirBagAir bags save thousands of lives each year, according to The National Highway Traffic Safety Administration (NHTSA). In frontal crashes, air bags reduce deaths among drivers by about 30 percent and among passengers by 27 percent.

Air bags, however, can be dangerous. If small children sit unbelted in the front seat, they can be catapulted into the path of a deploying air bag, which inflates with great force. This risk also applies to small adults—who must sit close to the steering wheel in order to reach the pedals—pregnant women and the elderly. Infants in rear-facing safety seats on the passenger side can be severely injured because their heads are in the direct path of an inflating air bag. If your airbag is stolen or it deploys, you must get a new one, but you will be reimbursed under the comprehensive portion of your auto insurance policy.

PREVENTING AIR BAG INJURIES

Drivers should have all children sit in the backseat wearing a safety belt. Infants should be placed in rear-facing car seats and put in the backseat. Small adults should move the seat back so that their breastbone is at least 10 inches from the air bag cover.

If this is not possible, air bag switches can be installed so that the vehicle owner has the option of turning the bag off or on, depending on the situation. In January 1998, NHTSA allowed auto dealers and repair shops to begin installing air bag cut-off switches. Before the switch can be installed, vehicle owners must complete a four-step process:

1. Obtain an information brochure and request form from NHTSA, dealerships or repair shops
2. Return the form to NHTSA
3. Receive authorization from NHTSA after it reviews the case
4. Take the vehicle to the service shop along with the authorization from NHTSA which certifies that the owner has read the brochure and met one of the four eligibility classifications:

  • rear-facing infant seat can be in the front (necessary if the vehicle has no back-seat)
  • driver’s seat cannot be adjusted to keep more than 10 inches between the driver and the steering wheel
  • putting a child 12 or under in the front seat can not be avoided
  • having a medical condition that puts them at risk of injury when an air bag deploys.

Source: Insurance Information Institute, “Air Bag Safety.” iii.org website. Accessed May 29, 2014. http://www.iii.org/individuals/auto/lifesaving/airbags/

© Copyright 2014. All rights reserved. This content is strictly for informational purposes and although experts have prepared it, the reader should not substitute this information for professional insurance advice. If you have any questions, please consult your insurance professional before acting on any information presented. Read more.

iTunes beats DirecTV

DirecTV is a great option if you inhabit an alternate universe where it has ceased to rain or snow. Fortunately, all the trees and buildings to the south have probably been burned to the ground by roving gangs of cyborgs, so signal blockage should not be a problem.

It is likely that hordes of cyborg bandits have taken control of the limited supply of water and formed a dictatorship with an economy based on moisture credits. So paying for your satellite TV could be quite an ordeal. If you are a smoker be very careful because pretty much everything is kindling.

iTunes rocks!
iTunes rocks!

Dealing with the killer cyborgs is a delicate matter and their customer service leaves a lot to be desired. Every time you call the support center they try to push life insurance on you naming themselves as beneficiaries. The human body does largely consist of water after all.

In this post-apocalyptic world of roving gangs and moisture farms, vicious attacks are considered a pre-existing condition by your health insurance provider, so you will have to pay out of pocket for stab wounds and gunshots.

Before relocating to this nightmarish existence, consider if it is worth it just to receive the lumberjack network and 24-hour coverage of the Bulgarian Parliament.

Back in the Good Ole Milky Way With iTunes

If you want an alternative to the wastelands of thirsty maniacs, take ITunes for a spin. You can live anywhere and enjoy TV on demand, with the exception of Cleveland of course since it is just a suburb of the cyborg ruled barrens.

Pay only for a single episode of a show or buy the whole season. You can watch whenever and wherever you want as many times as you want, and on several different devices.

Watch every episode of Friends, Glee, and America’s Got Talent free of commercials while relaxing in your home. However, on second thought taking your chances with the barbarian hordes might not be so bad

Actors are Rude

Actors are Rude

Are all Actors rude?
Are all Actors rude?

For some reason, some actors seem to think that their celebrity status excuses their behavior, no matter how rude. In fact, all you have to do is follow the news and you’ll be convinced that you need good life insurance before you meet some of the actors and celebrities known to behave badly in public.

Let’s just take a look at Reese Witherspoon. Normally the poster girl for sweetness, (think the sweet southern gal from Sweet Home Alabama), Reese ended up in a rude tussle when her husband was arrested for a suspected DUI. She ended up in a shouting match with officers, tarnishing her “good girl” image.

Of course, you can’t forget Alec Baldwin. Paparazzi attempting to photograph Baldwin should apply for life insurance first, since Baldwin is known for his heated confrontations and scuffles with members of the paparazzi. Previously healthy photographers seem to end up with bashed heads around this rude actor.

Other famously rude actors include Lindsey Lohan, Amanda Bynes and don’t fail to forget about other rude celebrities, such as singers Chris Brown and Justin Bieber.

Even if you’re completely healthy, you better get health and life insurance if you’re heading to Hollywood. You can just about guarantee that you’ll end up encountering a rude actor along the way. Before you ask for a photo with these actors, think twice if you value your health.

I Am Happy for You

I am so happy for you that you have no disabilities, or pre-existing conditions such as diabetes or cancer. I am so happy for you that you have a family that says they would never put you in a long-term care center. No matter what happens they will take care of you.

I am happy for you that you are never sick; you always seem to escape the nasty flu bug every year. I am happy for you that you are not a smoker and take healthy lungs seriously. After all, with all the running and exercise you are involved in you need healthy lungs to handle the heavy breathing.

I think it is wonderful you have never contacted HIV, especially in the high-risk medical work you do. I am so happy that you my friend and the picture of health.

Everyone has a medical condition.  Life!
Everyone has a medical condition. Life!

You especially enjoy treks into the mountains hiking. Bungee jumping is one of your favorite sports along with rock climbing and cycle racing. You are the picture of health and wellness and are not afraid to take risks in life to have some adventurous fun. Why would you ever need life insurance?

The life insurance policy you need brings with it a guarantee that supports the family if your bungee cord breaks or you miss a step on the side of that mountain causing serious injury and time off from work, or even your unexpected death. Your current excellent health and young age assures you a life insurance policy price you can afford. There are no guarantees in life when the Good Lord will call you home. There are no guarantees for the future.

I am so happy for you now that you have purchased that new life insurance policy for your family’s finances and future. I am so happy for you that you have seen the light to protect your family with life insurance when you are no longer around.

If you know people like this, these folks really need a life insurance policy. Even though this healthy individual feels infallible, they need to realize that risks in life can turn a positive adventure into an unexpected injury or death. It is fine if this individual is a risk taker with themselves but certainly not with their loved ones.

Warehouse 13 should never die!

Life can be funny sometimes. Each day that we wake up to another day, there is a realm of possibilities that await us, like finding out that a favorite show has been cancelled or in cable television lingo is in its final episodes.

One such show that’s in its final episodes is the SyFy series Warehouse 13. Warehouse 13 is a series that delves into the world of magical “artifacts” that have certain powers that usually in most cases usually have a terrible effect and sometimes has earth shattering consequences.

One of Sci-Fi's best original works!
One of ScyFy’s best!

The warehouse and its host of never ending artifacts are tended to by three warehouse agents named Pete Lattimer, Mika Bering, and Arti Nielsen along and along with Claudia Donovan, the enigmatic Mrs. Frederic who seems to appear and disappear when the warehouse is in dire need of her help, and finally the newest addition to the team agent Steve Jinks.

This group of devoted warehouse caretakers is almost like an insurance policy for humanity against the situations that ordinary everyday folk face from the artifacts stored within the warehouse.

The series does have its serious moments, but there’s also the sometimes very funny chemistry and sexual tension between Pete and Mika…tension that almost always lends itself to humorous tongue in cheek moments between the two.

The series has introduced many memorable characters over the years, but none more memorable than that of writer H.G. Wells who I’m sure many of you believe is a man, and of course like the rest of us you’d be wrong as we discover that Wells is actually a woman.

That revelation led to a few memorable adventures that were actually some of the best the series offered up to its devoted fans over its five seasons.

While Warehouse 13 may have become terminal and in its final death throes, the fan will never let the series die because it stories and characters will always stay securely locked inside the confines of its own warehouse.

Need Insurance that Star Wars Will Continue to Rock!

Remember how excited you were when you first heard about George Lucas doing Star Wars prequels? Remember how quickly that excitement faded when you actually sat through that midnight showing of The Phantom Menace, then endured the cringe-worthy sand speech in Attack of the Clones? Revenge of the Sith was a bit better, but still nothing like the Original Trilogy.

C3PO and George
C3PO and George

So now, there’s another trilogy coming out. Yay? It would be nice to have some guarantee that this one won’t have its own version of Jar Jar, bad writing and wooden acting (looking at you, Natalie and Hayden!). If only there was some kind of insurance you could get that would ensure that this trilogy captures the spirit of the first three. Sure, we’ll have Han, Leia and Luke around, as well as Chewie, C3PO and R2D2, but we don’t really know how much they’ll be in it and how they’ll do on screen this time around. The rest of the cast includes a lot of little-known actors and actresses (kinda like the original films at the time), so that’s a plus.

You might not be able to buy Star Wars insurance, but there’s one thing you can hope for — notice who’s missing from the original cast members? Flamboyant and always entertaining Lando is noticeably absent from the cast list, and who doesn’t want to see what the scoundrel-turned-respectable business owner-turned-Rebel hero is up to these days? You might just have to deal with the mental image of geriatric Lando dancing his hips off, cape and all, on Dancing With the Stars, but that’s a small price to pay. Bring on Billy Dee!

Verizon You Kill Me!

You’ve been on hold for what seems like forever. All you wanted to do was find out why your WiFi isn’t working and now if you have to hear that same silly recorded message one more time you might snap like a twig. It’s actually just like the time you spent half a day on the phone with your insurance company trying to get pre-authorization for an imaging test that you needed, but at least that time you eventually got something out of the entire debacle. It’s beginning to feel like you are going to be on hold until the end of time and never figure out why your Internet isn’t working. All you wanted to do was look up the take-out menu from the Chinese restaurant down the road and now you’re going to waste away to nothing waiting for “Chet” (there’s no way that’s actually his real name) the customer service rep from Hell to check the signals coming from your router into their command center or whatever it is they call the place where phone calls go to never be heard from again.

Chet is nowhere to be found, your stomach is growling, and you are just when you are about to scream “Ugh Verizon You’re Killing Me!!!” when your router springs into action. Relief!

Best coverage there is.
Best coverage there is.