#affordable coverage
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Why Freelancers and Consultants Can’t Afford to Skip Liability Coverage
Freelancers and consultants often overlook insurance, but they face unique risks that can threaten their livelihood.
Here’s why affordable professional liability insurance for freelancers and consultants is critical:
Contractual obligations: Some clients require proof of coverage
Unintentional mistakes: Even small errors can lead to costly claims
Scope creep: Disputes over project scope can escalate to legal action
Long-tail risks: Claims can arise months after a project ends
Don’t wait for a problem to arise—protect yourself early.
Explore affordable coverage with Boyd Insurance, your trusted source for Bradenton business insurance.
#boyd insurance#insurance solutions#freelancer insurance#consultant liability#affordable coverage#independent professional risks#Bradenton business insurance
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Term Life Insurance: Why You Must Consider It? : 5 Benefits of Your Term Life Insurance
Term Life Insurance is an essential part of your financial portfolio. In the realm of financial planning, securing your family’s future is paramount. Among the various insurance options available, a term life insurance stands out as a foundational element in safeguarding your loved ones’ financial well-being. Let’s delve into the compelling reasons why having a term life insurance is important…
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#affordable coverage#asj financial services#asj insurance#comprehensive insurance#critical illness rider#family security#financial planning#financial protection#flexible term#life insurance#tax benefits#Term life
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Saving on Boat Insurance: Smart Strategies for Affordable Coverage
Secure your aquatic adventures with boat insurance in Twin Lakes, Minnesota! Vincent Hunt from Farmers Insurance ensures your watercraft is protected. With over a year of experience, trust Vincent to customize coverage that suits your needs. Contact us at (612) 440-7776 for a quote and smooth sailing!
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Calculating Your Life Insurance Needs: A Guide to Adequate Coverage
Contemplating one’s mortality is one of the most difficult issues. However, it is a necessary duty to secure your family’s financial security in the event of an unexpected incident. Estate planning includes important components such as writing a will, establishing power of attorney, and ensuring the financial well-being of your loved ones if you are no longer alive. Navigating Life’s…
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New: The right-wing Supreme Court majority is now looking to potentially overturn the Affordable Care Act’s policy that makes cancer screenings, heart statins, and HIV prevention free.
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tearing up a bit thinking about how my money all the dental work I need is going to cost 😭 god i wish i had insurance
#eve rambles#personal#it's about 8k...#years of not being able to afford to go to the dentist#plus mental illness has made for a mess <3#my province is trying to implement something for dental coverage#only open to seniors and those with a disability right now but should be open to all others in the income threshold later#fair enough i know all too well that being a disabled canadian is so difficult
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I called to try to figure out why some of my meds were coming up as not covered by insurance
and basically they straightened it out for one of my meds and now the copay on that one is four times as much as I'd pay if insurance didn't cover it at all! 🙃
#also i feel like my catastrophic coverage phase should have hit by now??#updates on my boring life#negative cw#gonna ask the pharmacist if I can pay that one out if pocket bc I have about $70 to get through the rest of the month#and i cannot afford to waste $20 of that bc of some insurance bullshit
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my car, the car that i only just bought in july of last year, my car that is still under warranty, both manufacturer and extended, has been having some concerning problems recently - lurching on acceleration, stuttering on braking. and it’s been making this sound that i can only liken to an elephant trumpeting reeeally quietly? idk, it’s weird. so i took it back to the dealership i bought it from to have it looked at. they said it had to go somewhere else, i said no problem. so i call the brand specific dealerships in the area and not a single one of the eight (EIGHT) in the basin have any availability until JUNE?!
respectfully, that shit stalled on me pulling onto the *highway*. look at my goddamn car??? this is a safety issue??? when it inevitably happens again it could kill me???
but i call the dealership near my dad’s house over three hours away and they can see me tomorrow? how am i supposed to drive an unreliable car that far through back country just to get it checked in a timely fashion? how is this tiny town and its one dealership more available than this boomtown and its eight? make! it! make! sense!
#now i just have to figure out how i’m gonna afford an open ended rental#and i have rental coverage with my insurance but it only kicks in if there’s a claim#because although they can get me in tomorrow… they don’t have any loaners!#it’s been a GOOD DAY#never should’ve bought a jeep#i didn’t want one#and this is why
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We can't afford it
#We can't afford it#healthcare#health and wellness#mental health#health & fitness#healthylifestyle#health#universal healthcare#universal health coverage#exploitation#exploitative#capitalism#anti capitalist#capitalist hell#capitalist dystopia#capitalist bullshit#ausgov#politas#auspol#tasgov#taspol#australia#fuck neoliberals#neoliberal capitalism#anthony albanese#albanese government#eat the rich#eat the fucking rich#class war#earth
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American health insurance is a joke
#my anxiety medicine is going to be $100 now even with insurance coverage#guess i'm fucked because i can't afford that#seraph speaks
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#yoongi getting busted for scooting under the influence#was not on my bingo card#the difference in crisis management#with a US celebrity and a bts member is stark#maybe the coverage and reaction was different in korea but#for the celebrity to publish the update themselves#before news and gossip sites can even get to it#the IMMEDIATE and all encompassing acceptance of guilt and apology issuance#here you generally only get that as part of a plea deal#was he actually arrested though?#all these thoughts and reactions#coming from zero knowledge of how this stuff works in korea#i have so many questions though#like how drunk really was he#and how was there randomly a cop right there by his house#not condoning his behavior but#i feel for him#having to break his social media silence#to admit this embarrassing mistake#having to wear it SO publicly#especially as someone who has been put on this pedestal of perfection for a decade#the overall punishment and social impact doesn’t totally seem justified#like he’s on his knees over a tipsy scooter ride#there are a lot of celebrities with flourishing careers who have done….way worse#hope both he and the world can afford him a little grace with this#we’re all humans who make poor judgement calls sometimes#a suga SUI who could have imagined#marketing thoughts#also reserve the right to change these opinions based on additional info being learned
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AN OPEN LETTER to THE U.S. HOUSE OF REPRESENTATIVES
Pass H.R. 6270, the State-Based Universal Health Care Act!
371 so far! Help us get to 500 signers!
I strongly urge the Congressmember to support and help pass H.R. 6270, the State-Based Universal Health Care Act, introduced by Rep. Ro Khanna of California. This bill helps states test universal health plans that could be a model for a national plan - a Universal, Simple, and Affordable (USA) plan. A USA plan will drastically reduce administrative overhead, freeing billions of dollars for our health care and general welfare. With your support, states can save money and provide health care for all their residents. How H.R. 6270 moves us toward health care that is universal, simple, and affordable (USA): Mandates that participating states guarantee healthcare coverage for at least 95% of residents in the first 5 years, thus reducing the uninsured and underinsured populations to less than 5% (currently 30% in most states). Requires any state-based plan to have benefits equal to or greater than those received by beneficiaries of federal healthcare programs. Allows states to cooperate on multi-state plans. Section 1332 of the ACA does not. Enables states to integrate Medicare funds into a state plan. Section 1332 does not. This is critically important for equity. Please work to pass this bill, and then get to work passing Medicare For All. Nothing else will fully solve our healthcare crisis.
▶ Created on April 8 by Jess Craven
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#JESSCRAVEN101#PEUMEL#resistbot#open letter#activate your activism#healthcare#universal healthcare#congress#legislation#healthcare for all#us house of representatives#hr6270#state based healthcare#affordable care#health insurance#healthcare act#healthcare plan#healthcare coverage#public health#us congress#medicare for all#us politics#healthcare crisis#health policy#healthcare equality#us government#healthcare legislation#health reform#us lawmakers#health benefits
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i also love jokes & am making no moral comment but i don't really understand why there have been multiple people celebrating the death of the health insurance CEO as a solution to the problem of american healthcare? there have been no reforms; no reforms are on the table; the only change that seems to have taken place is that large insurers are now paying for more private security for executives, which doesn't seem like the kind of shift likely to result in lower premiums or higher approval rates
#i am deeply sympathetic to 'this guy sucked and he died yay' & again i am not making a moral comment#i understand the 'we show them how strong we are & they offer us concessions' argument but i don't see that actually happening rn?#i am aware of the bcbs ny/ct policy change but i see no reason they won't wait six months & do it again. it's fucked! it's all fucked.#perhaps i am wrong & there is in fact some kind of huge swing now in motion; i would be glad to be wrong; just seems at best. uh.#preemptive. is all i'm saying#tangentially related i have seen multiple people go 'you don't know how bad it was before the ACA! people used to stay#in bad relationships & dangerous jobs just to keep their health insurance!' which has made me nuts#like sure it's true i wasn't buying health insurance before the ACA & i did like staying on my mom's insurance until i was 26#but i could not buy health insurance after i turned 26; i could not afford even a catastrophic coverage plan; i lived in a red state#it's annoying to see people lectured for not appreciating material improvements to their lives when their lives have not improved#because they do not live in the commonwealth of massachusetts! or whatever! anyway!
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I love playing Pokémon in a way that would absolutely kill anyone who knows a thing about the game. No I don’t know most weaknesses and strengths of typings or what I should be using. No I’m not building a well rounded team. No I don’t remember battle to battle what moves are effective against what Pokémon’s even if I just fought them and lord knows I don’t really understand their power or literally any stat my mons have. I am heavily brute forcing my way through this game with my team full of Sunflora fusions because this is Infinite Fusions and I can do that. Yes having everyone a grass type presents problems. No I don’t care! I will beef them up enough they can tank hits until I can destroy whoever I’m fighting and if all else fails I have potions and revives and everything I need on stock to keep going. I do not know what I’m doing but I’m having fucking fun with it!!!!
#ravenpuff rambles#there are few moments I want to be a streamer but good lord it would be funny to play Pokémon for people who actually understand the game#everyone would be so angry with me#meanwhile I’m tehehahaing because I accidentally made a good move and one shotted a man with my Alakazam fusion#I only play to have fun and also have cute Pokémon’s#even if this wasn’t a fusion game I would have a problem not having a lot of grass types because I love them#worst news is that I can’t afford to have a grass/grass Pokémon because I need some coverage#I miss my Sunflora/Leafon the little legend#but I do love my team they’re all so cute#I did have to replace my Sandslash/Sunkern fusion who was an absolute cutie but unfortunately had low hp because I could evolve the Sunkern#there’s no custom sprite for Sandslash/Sunflora and I couldn’t have the default horror on my team#I do still have my Alakazam/Sunkern fusion though because despite being a hella glass canon he’s fast and hits hard and psychic moves are so#good!! He also does have a Sunflora sprite which is sad but the Sunkern one is fucking epic#the rest of my team includes Vensaur/Sunflora (my starter)#raichu/Sunflora fusion (Who I had in my last run and an absolute cutie) Ninetales/Sunflora (who thankfully has an ability that makes him#immune to fire moves) Umbreon/Sunflora (Literally baby. also a bit of a heavy hitter)#and my Lapras/Sunflora (my newest edition who replaced the Sandslash mostly so I can surf)#I can’t wait to destroy the Elite 4 when I eventually roll up there with my crew#Truly they’re all unstoppable as long as you don’t use fire and also that one move that literally takes them all out#anyways I need to get a photo of them all because they’re so cute but for now take my word#and know I’m playing Pokémon in a way that will piss off so many people. because I’m just quirky like that
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A kind of funny trend I've noticed is that many fanfic writers who write for fandoms that take place in Japan often aren't aware of the fact that Japan has universal health care. I've seen quite a few fics set in Japan with whump/hurt comfort plots that mention large medical bills as if it's taking place in America lol.
#Random#fanfiction#For reference#It's not free but it's very cheap#Depending on income they only have to pay 10-30% and there's a monthly threshold where anything over that is waived/reimbursed#Also the bills are generally cheaper to begin with even before the insurance coverage#Age also affects how much is covered#So medical care is very inexpensive in Japan for the average citizen#And fees would generally be waived for anyone too poor to afford it
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why. why does it take a masters to become a librarian. my bachelors is LITERALLY 90% of what the #1 program in the states is. so like let me pick up the 10% on the way i just want to be Happy
#i would also take like. working for a publisher. or b&n. or literally anything to do w books#im so tired. job search has me feelin. atrocious#like dear fucking god why are my options “help us get better at killing people/taking away healthcare coverage/making money for the 1%”#or starve?? like. love the nonprofits. cant afford to live in nyc on 40k a year. sorry#and theyll be like “must live in city limits” girl then pay me enough to do that???????#i get it. money is tuff for doing good things. but also like u cannot honestly think that anyone can live in nyc on 40k/year#the average wage for my degree out of college is like. 70k. maybe 80???#i cant take half of that to live somewhere w an insane cost of living#i have student loans!!! and i have to EAT
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