Tag Archives: Options

Travel Insured International Introduces New Travel Insurance Plans with Stronger Benefits, More Insurance Options

East Hartford, CT (PRWEB) April 29, 2008

Travel Insured International a leading provider of travel protection plans for travelers, has unveiled a new trio of travel insurance plans under the company’s popular Worldwide Trip Protector brand.

Worldwide Trip Protector, the signature brand of Travel Insured International now includes two plans redesigned with stronger benefits and more optional coverage choices than ever before. These include the company’s two popular comprehensive insurance plans, Worldwide Trip Protector and Worldwide Trip Protector Gold. A third plan, being launched for the first time, is Worldwide Trip Protector Lite and Lite Expanded, which is designed as basic yet flexible protection for families and budget conscious travelers.

New Upgrades and Options

Each of the three Worldwide Trip Protector plans offers a menu of included and optional features to help travelers select the right coverage to fit their travel insurance needs. Available benefits, depending on the plan selected, include Kids Are Free coverage, Cancel for Any Reason and Cancel for Work Reasons options (neither of these options is available in Texas, Washington State or Oregon), a new Sports Coverage option, ID Theft Recovery Assistance, Pet Care coverage, Missed Port of Call and School Year Extension protection.

Travelers can ask their travel agent to describe the plan that works best for their booking, or they can visit Travel Insured’s web site at http://www.travelinsured.com and ask questions using Live Chat. They can also speak to a friendly, knowledgeable Travel Insured customer care professional who can answer their questions at 1-800-243-3174.

All three Worldwide Trip Protector plans offer options to Cancel for Any Reason or Cancel for Work Reasons (neither option is available in Texas, Washington State or Oregon), as well as options for increased Emergency Medical Expense benefits including Medevac coverage, and Flight Accident Protection. Travelers on any of the plans may also opt for a Sports Coverage upgrade to protect prepaid sports activities, such as golf green fees and ski passes, and rented or owned sports equipment while on vacation.

Kids are Free and ID Theft Recovery

Worldwide Trip Protector, Travel Insured’s most popular comprehensive plan, is widely used by travelers booking land or cruise vacations in both the popular-priced and luxury markets. The updated Worldwide Trip Protector includes Kids Are Free coverage for children under 18 traveling with a related adult enrolled and traveling on the same policy.

Worldwide Trip Protector Gold offers the highest level of comprehensive travel insurance benefits for clients who seek enhanced coverage that protects the quality of their travel preferences. The Gold plan has higher Medical and Trip Delay limits and inclusive Car Rental Collision Damage Waiver. Both Worldwide Trip Protector and Trip Protector Gold feature an ID Theft Protection Service that works to resolve any compromised financial cards or documents for the insured client who is victimized by an ID theft event while traveling.

Worldwide Travel Concierge Services are an added benefit with Worldwide Trip Protector and Worldwide Trip Protector Gold. Along with several other destination support features, Concierge Services provide travelers with access to entertainment and sports event tickets, help with local directions, restaurant and hotel reservations, or locating translation services or guides.

New Lite and Lite Expanded Travel Insurance Plan

Worldwide Trip Protector Lite and Lite Expanded are two coverage levels available within one newly-created Travel Insured plan for budget-minded travelers. Customers start with broad Worldwide Trip Protector Lite basic coverage at our most affordable plan rates. They may upgrade to stronger inclusive benefits with Lite Expanded protection and select specific coverage options that match their trip type or individual travel protection needs. Kids are Free coverage is included for one child under 18 per related adult enrolled and traveling on the same Worldwide Trip Protector Lite or Lite Expanded policy

All Worldwide Trip Protector plans come with Travel Insured’s superior level of customer service and Worldwide Emergency Travel Assistance, which is available 24/7 by a free phone call from anywhere insured customers are traveling and in need of help.

About Travel Insured International

Travel Insured delivers comprehensive travel protection benefits ranging from trip cancellation and trip interruption to emergency assistance and Medevac insurance, travel accident and sickness medical expense, accidental death and dismemberment, missed connection and baggage delay or loss.

The company’s travel insurance plans include its comprehensive Worldwide Trip Protector, the most popular travel protection plan and Worldwide Trip Protector Gold, an enhanced travel insurance plan designed to protect luxury vacations and business trips. Travel Insured also offers two travel insurance plans designed to provide basic yet flexible protection for families and budget conscious travelers, its Worldwide Trip Protector Lite insurance plan and Worldwide Trip Protector Lite Expanded insurance plan. Finally they offer a Medical Protector insurance plan, an Airline Ticket Protector plan as well as a complete offering of Group Travel Insurance plans including Student Group insurance plans.

Visit Travel Insured’s web site at http://www.travelinsured.com or speak to a friendly, knowledgeable Travel Insured customer care professional at 1-800-243-3174.

Travel Insured International, based in East Hartford, Connecticut, was founded in 1993 by the foresight of insurance industry executive Peter Gehris when he acquired the travel protection division of the Travelers Insurance Company. Coverage is underwritten by Arch Insurance Company (a Missouri corporation, NAIC #11150) with executive offices located in New York, NY. Not all insurance products or coverage is available in all jurisdictions. Coverage is subject to actual policy language.

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More Women Turning to Social Security Disability Benefits; Mothers Should Know Their Options


Belleville, Ill. (Vocus) May 5, 2009

More working mothers are becoming disabled and losing their ability to support their families. That means it’s even more important for women to understand the role of Social Security disability insurance, according to Allsup, which represents tens of thousands of people in the Social Security Disability Insurance (SSDI) process each year.

In the past decade, from 1999 to 2009, the rate of disability for women has grown by about 72 percent compared with nearly 42 percent for men, according to the Social Security Administration. Since 1990, the number of working women who are fully insured for Social Security benefits has grown by 28 percent to 99.7 million women. As of April 2009, 3.6 million women were receiving SSDI benefits as disabled workers.

Disabilities may result from an accident, a chronic disease or worsening condition. Some of the diagnoses affecting women include multiple sclerosis, cancer, Parkinson’s disease, stroke, depression and fibromyalgia.

“Women may not realize they are insured for disability benefits, especially during the period before they experience a severe disability,” said Cindy Ratermann, manager of disability claims specialists at Allsup. “Women who are widows or widows with young children also may qualify for Social Security benefits based on their husband’s work record, so this is another option to consider.”

SSDI is a federally mandated insurance program overseen by the Social Security Administration (SSA) that operates separately from the retirement and SSI programs. SSDI provides monthly benefits to individuals who are under full retirement age (age 65 or older) and can no longer work because of a disability (injury, illness or condition) expected to last for at least 12 months or is terminal. Individuals must have paid FICA taxes to be eligible. More details are provided in the SSDI Overview on Allsup.com.

Concerns When Women Can No Longer Work

Women who have been working and supporting their families face enormous difficulties when they can no longer work because of an injury, illness or chronic disease. Allsup offers stories from women in this situation, including a former math teacher and former retail employee, on Allsup.com.

“If you’ve become disabled and must stop working on a long-term basis, you need to look at filing for SSDI benefits as soon as possible,” said Ms. Ratermann, who has more than 20 years experience in the SSDI process, working with a staff of nearly 580 professionals at Allsup.

Women must have a work history and meet certain qualifications to be eligible for SSDI on their own record, including having paid payroll taxes for five of the last 10 years. Having a record of your employment history for the past 15 years is ideal, said Ms. Ratermann. “Your earnings determine what your SSDI benefit would be if the SSA finds you disabled,” she explained.

Keep in mind that the SSDI process can be lengthy, with some claimants’ cases taking two to four years because of the backlog in the disability claims process. More than 2.9 million people are expected to apply for disability benefits in 2009, according to the SSA.

“Women can make this experience easier on themselves by choosing a representative to handle their SSDI claim,” Ms. Ratermann said. Allsup provides representation at all levels of the SSDI application process, including the initial application and, if needed, the hearing before an administrative law judge.

At the hearing level, or level 3, about 90 percent of claimants have a representative. Individuals Allsup represents at the hearing level generally receive an award four months faster than the national average. “It can be to your benefit to get representation from the beginning,” Ms. Ratermann said.

Considering Social Security Disability

There are a number of reasons why a woman should apply for SSDI, including regular monthly income. Additional considerations include:

Medical benefits: Regardless of your age, 24 months after your date of entitlement to SSDI cash benefits, you are eligible for Medicare, including Part A (hospital benefits) and Part B (medical benefits).
Prescription drug coverage: Once you are entitled to Medicare, you are also eligible for Medicare Part D, the prescription drug plan
COBRA extension: If you receive SSDI benefits, the length of your COBRA benefits could be extended an additional 11 months.
Protected retirement benefits: When you reach retirement age, SSDI ends and you transition to Social Security retirement benefits. Social Security disability entitlement “freezes” Social Security earnings records during your period of disability. Because the years in which you collect SSDI benefits are not counted when computing future benefits, your Social Security retirement benefits may be higher than if your earnings were averaged over a greater number of years.
Dependent benefits: If you receive SSDI benefits and you have a dependent under age 18, he or she may also be eligible for benefits. Benefits also may be paid to your husband on your earnings record if he is age 62 or older; or at any age if he is caring for your child (under age 16).

Insights On Social Security Benefits

Allsup provides representation services for Social Security Disability Insurance, but there are additional considerations for women.

Keep in mind that Social Security offers marginal amount of financial protection to women as a result of their earnings and through their spouse’s earnings, depending on the circumstances. Most people need 10 years of work, or 40 credits earned through payroll taxes, to qualify for benefits.

Today, nearly 60 percent of the people receiving Social Security benefits, including SSDI benefits, are women.

Women and earnings. Women are likely to earn less than men during their careers, so their benefits may be lower. For example, in April 2009 the average SSDI benefit for women was about 22 percent lower at $ 920.47 compared to $ 1,188.52 for men. One factor is that many women work as caregivers for family members and children during their earning years. Often, women step out of the work force for years at a time and, over time, pay less toward Social Security.

Women and business ownership. If you and your husband operate a business together, you are entitled to receive Social Security credits as a partner. Even though you may file your income taxes jointly, you should file a separate self-employment report with Social Security. This ensures that you get Social Security benefits from your own work. Otherwise, all the earnings will be reported on your husband’s work record.

Women and additional benefits. Your payroll taxes go toward several programs besides SSDI.

These include:

Alterna Cremation Options Now Planting a Tree with Every Item Purchased


Santa Barbara, CA (PRWEB) July 20, 2010

Alterna Cremation Options, an online retailer offering families an alternative to the traditional method of purchasing funeral urns, is now planting one tree for every item purchased through its web site, http://www.AlternaCremation.com. One tree will be planted for every cremation urn, urn vault, keepsake jewelry piece or other item purchased from the company. The trees are planted by Plant-It 2020 in non-harvest locations that are protected by contract from being cut down.

With Alterna Cremation Options, families have a revolutionary new way to quickly and easily find quality cremation products. In business since 2004, Alterna Cremation Options understands the need for an alternative to high priced cremation urns offered at funeral homes and mortuaries. The company’s goal is to serve as a reliable source for these goods that is accessible to families at any time. The recent re-launch of the company web site provides clients even greater convenience and ease of use than ever before.

A proud member of the International Cemetery, Cremation and Funeral Association, Alterna Cremation Options prides itself on offering only the finest cremation urns available, and always at an affordable price. A wide selection of cremation urns of unmatched quality and workmanship are available, including brass urns, ceramic urns, child and infant urns, cloisonne urns, companion urns, keepsake urns, marble urns and wood urns. Urn burial vaults are also available. Family members may also wish to personalize a cremation urn or burial vault with any of the customizable urn medallions offered by Alterna Cremation Options.

Visitors to AlternaCremation.com will also find many unique styles of cremation jewelry. From cherubs, crosses and hearts, to cowboy boots, dolphins and teddy bears, there’s a keepsake pendant or necklace to memorialize any family member.

Alterna Cremation Options has client service counselors available for support 24 hours a day, seven days a week. For more information about Alterna Cremation Options, call toll-free 1-800-609-9308 or visit http://www.AlternaCremation.com.

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Travel Insured Urges Families to Exercise Options to Costly Drive Vacations with Airfare Sales, Free Child Seat Check-ins and Kids Free Trip Insurance


East Hartford, CT (PRWEB) June 15, 2011

The flying family vacation with young children is alive this summer as an alternative to high gas prices for tiring, lengthy car trips. Parents can find airfare sales extending through the high travel season in a slumbering economy. Family travel planners should visit online fare tracking sites, such as Airfarewatchdog and SmarterTravel, to find recurring summer airfare deals from competing carriers with sale names such as “Cheeps,” “Click ‘n Save” “The Sand in Your Suit Sale,” and others offering limited-time booking deals for 2011 summer and fall travel. Registering for fare alerts allows you to receive automatic email notices for your desired destination as each fare sale becomes available.

Parents planning to rent a car can save money and hassles by bringing child car seats and non-bulky strollers on flights without paying baggage fees for child items on most airlines. Some carriers allow seats to be carried on for children to use during flights. Others allow items, if not bulky, to be gate checked after being used to reach boarding gate waiting areas. Parents also skip the cost of renting a child car seat from a rental car company in their destination at prices of about $ 10 to $ 15 per seat per day.

Travel Insured International

Texas Fertility Center Offers Advanced Fertility Preservation Options for Cancer Patients


Austin, Texas (PRWEB) October 09, 2012

Texas Fertility Center (TFC) has launched an awareness campaign supporting efforts to raise consciousness about fertility preservation for cancer patients. The fertility doctors at TFC offer their assistance to breast cancer patients, as well as those with other types of cancer, by providing advanced fertility preservation options.

For many TFC patients, fertility preservation has now resulted in a successful pregnancy. Most recently, a young woman who had been diagnosed with breast cancer at age 27 met with physicians at TFC to discuss her options for fertility preservation. Having no family history of breast cancer, she was shocked by her diagnosis and was determined to preserve her future options for child bearing. Dr. Lisa Hansard of The Texas Fertility Center recommended in vitro fertilization (IVF) with embryo vitrification (embryo freezing) in order to preserve excellent quality embryos before the patient underwent fertility-damaging chemotherapy.

Our fertility specialists will work with the patients cancer specialist to create a scenario that protects the patients ability to have children without creating an overall health risk. This allows our patients to focus on beating cancer, knowing that they have done everything possible to preserve their fertility said TFCs Dr. Hansard.

Now 11 weeks pregnant, the 32-year old breast cancer survivor and expectant mom is busy planning for a new arrival.

Because of early diagnosis, survival rates for breast cancer patients are very good, explained Dr. Hansard. This means patients can realistically plan for a family after treatment.

At TFC, vitrification is used to cryopreserve (freeze) eggs and embryos. This advanced, fast-freezing technique provides the best chance for a successful outcome when patients are ready to begin or expand their families after treatment.

The vitrification method of freezing has revolutionized the fertility preservation process, said Dr. Kaylen Silverberg, Lab Director of Texas Fertility Center and Austin IVF. With this proven technology in use at TFC, we are one of the few programs in Texas to report successful births from frozen eggs as well as frozen embryos.

Fertility preservation enables the eggs or embryos to be frozen until the patient is cleared to resume fertility treatment, in many cases months, or even years, after first cryopreserving genetic material.

For our most recent 32-year old breast cancer survivor, fertility preservation has meant the beginning of a new chapter in her life.

I want to send a message to other women who may be going through breast cancer. There is hope for starting a family after cancer treatment. Im proof of that. she said.

About Texas Fertility Center

Texas Fertility Center (TFC), one of the nations leading full-service infertility practices, provides advanced Infertility and Reproductive Endocrinology services to patients throughout Texas, the Southwestern United States, and the Americas. Since 1980, TFC has been recognized nationally for outstanding pregnancy rates, cutting-edge laboratory procedures, and innovative research programs. For more information, please visit http://www.txfertility.com.







CPS Magazine Announces a CDT Code for Resin Infiltration that Gives Dental Practices Additional Treatment and Billing Options for New Dental Material Icon by DMG America


Virginia Beach, VA (PRWEB) December 27, 2012

The American Dental Association (ADA) has announced that resin infiltration of incipient smooth surface lesions is now covered by a 2013 CDT Code classification. The newly defined Dental Material classification allows practices to accurately code and bill for Icon