Personal Accident Insurance Supplements – Injury Policy Review and Price Guide

Personal accident insurance supplements in the United States are also known as 24 Hour Accident Coverage, Accident Supplemental Benefit Plan, and Accident Medical Coverage. These injury supplements are designed to cover upfront emergency room and accident related medical expenses. Accident policies can be used with any licensed doctor, hospital emergency room, urgent quick care facility, or medical clinic.

Plans are guarantee issue up til age 65 or 70 and the online applications have no health questions (only birth dates and social security numbers). These injury insurance supplements are automatic acceptance because they are not in the insurance category, rather the supplemental indemnity insurance category. ER plans serve as compensation insurance. The basic definition of indemnity is to compensate someone for a financial loss. In the case, the accident only plans will compensate policy holders for doctor and hospital bills up to a predetermined amount. Policies only payout for bodily injuries and not sickness or disease related emergency room visits.

Personal accident insurance supplement benefit amounts in this niche are $2,500, $5,000, $7,500, and $10,000 US dollars. Plans work by compensating people up to the selected benefit amount minus the plan deductible which is usually $100 dollars. Injury policies only pay up to the predetermined policy face value and any hospital bill above that is on you. Each accident or injury is treated as a separate event and the benefits and deductible reset. Deductible is the out of pocket expense you have before the accident policy pays. In this case, plans have a $100 dollar risk (deductible) per accident or injury and pays up to the predetermined policy amount of $2,500, $5,000, $7,500, or $10,000. Benefits are only payable to accidents that occurred after the policy effective date.

Here’s the plan benefits at a glance:

-Physician surgical fees (inpatient & outpatient).
-Emergency room care costs.
-Registered Nurse.
-Doctors visits.
-Ambulance bill.
-Prescription Drugs.
-Operating room costs.
-Dental treatment for injured sound natural teeth.
-General hospital confinement (room & board).
-Laboratory tests.
-Blood plasma.
-Crutches, Casts, Splints, Braces.
-Rental of durable medical equipment.

Family accident supplement price guide:

(Family monthly dues are a steal. A 10 person household pays the same as a 3 person family. Bigger the family, bigger the accident coverage payout).

$35.00 US dollars a month: $5,000 Benefit Family Supplement
$41.00 US dollars a month: $7,500 Benefit Family
$47.00 US dollars a month: $10,000 Benefit Family

Personal accident insurance supplement price guide for individuals:

$24.00 US dollars a month: $5,000 Benefit Individual Supplement
$29.00 US dollars a month: $7,500 Benefit Individual
$36.00 US dollars a month: $10,000 Benefit Individual

Fishing Guide – Your Safety Is First

The main benefit of fishing is it will give you all the excitement that you want especially if you’re waiting for a good catch, you can also find it relaxing too, especially with the presence of water. And when it comes to fishing, the first state that will come into your mind is Alaska with all its great fishing locations and even other sites for additional activities. If you’ll look online, you’ll find a lot of companies that offer Alaska salmon fishing guide suitable for your needs.

Salmon are among then prime catch you get in the location. You can choose from a wide array of colors and even sizes especially during the right fishing season for it. But aside from just knowing the guides in fishing, you’ll also find that these groups are very much responsible about your safety. Here are some of the things they’ll teach you on board that are focused on your safety.

Know about the charter. It’s important to let a client know about the charter where they’ll ride for fishing. Most of the time, some guests may not know where they should go in a charter for their needs since it may be their first time to ride them. There are some who may go to a restricted part of the boat and may sustain accidents. In order to let them know about them, the Alaska salmon fishing guide will teach them where they should go to avoid possible accidents. They will describe how the boat is designed and where should they go for their needs. Even the restricted areas of the boat may also be discussed so the guests will not go to them.

Know the emergency items. Accidents may occur anywhere and anytime. Hence, the guides will tell them where they are placed so they’ll know where to get it for any types of accidents. These items include the safety rafts and of course the life jackets. Looking at the main design of the boat, they may be placed at the most accessible locations so they can be easily obtained during the time of accidents. They may also be taught on how to use them just for reminders.

Know what to do. Since accidents may occur, they may also include some discussions on how to react accordingly for any accidents. This will let you know how you should be protected for any problems and even manage without panicking.

These things are also included in your Alaska salmon fishing guide before sailing off to fish. Although they make sure that the weather forecast is clear for the day, they will still teach these things in any case the inevitable occurs. This will ensure that you’ll be safe on your trip and just enjoy your purpose of fishing.

Accidents Are Not Accidental!

One of the most important lessons I’ve learned from my Guide Group is that accidents are anything but accidental. They are actually pre-planned events that we personally choose to take part in during our present incarnation for the express purposes of expediting our learning and spiritual growth.

Before we get into the nature of accidents, it’s important to have a basic understanding of two important concepts: “Windows of Opportunity” and “Relationship Villains.” Let’s start with a brief intro to each of these subjects, and then progress to the information about accidents.

Windows of Opportunity: Windows are opportunities for growth and learning that we personally designed and created for ourselves while we were on the other side of the veil planning our present incarnation. For more information about Windows of Opportunity, please see the e-zine article “The More We Know, the Easier the Incarnation.”

Relationship Villains: Relationship Villains are entities who are our closest universal friends when we are on the other side of the veil, but for this incarnation, they have volunteered to play the part of “the bad guy” to help us cross something important off of our spiritual “must learn” list for this incarnation. For more information on Relationship Villains, please see the e-zine article “4 Ways to spot YOUR Relationship Villains.”

Accidents Create Windows Of Opportunity For Many People

According to the “GG,” accidents are pre-planned events that are designed to be windows of opportunity for us to learn and grow; and a great deal of planning goes into them. The “GG” is a little more descriptive than I am, and they refer to it as the “careful orchestration of entire lives!” And their point is well made when you consider the amount of detail and preparation that is involved in making sure that two or more people end up in exactly the right place, at exactly the right time, to make such the accident takes place.

As mind-bogglingly complex as it is to contemplate “planning an accident” from this side of the veil, the “GG” say it’s equally complicated to formulate the windows when we’re on the other side. This is because of the ripple effect that flows from the initial event and the initial participants, eventually opening windows for dozens and dozens of people. A single accident opens windows for the participant’s families, friends, co-workers, caretakers, and anyone they come into contact with at the accident scene, in the hospital, in the doctor’s office, and even at the drug store. More and more windows are opened as people are touched and affected by the accident in different ways, and, in turn, interact with others.

The “GG” also points out that it’s how people react after the accident and how they treat each other that is vitally important, and that’s because accidents are opportunities for the wheels of Karma to turn, for windows of opportunity to open, and for freewill to be exercised by countless individuals. And let me share with you something about accidents that is of great interest to me, because it really brings home the meaning of the phrase “Love thine enemy.” According to the “GG,” the person who causes the accident is not the “bad guy.” The “bad guys” in accidents, the ones who cause them to happen, are our closest universal friends–entities who love us so much that they are willing to facilitate the creation of an ugly or tragic scene to provide a window of opportunity for our learning and spiritual growth.

It’s no fun to play the relationship villain role-The “GG” tell me that while entities do it out of love for each other, it’s a sacrifice. And that makes sense because the person who causes an accident, and I’m not talking about fender-benders right now, will probably never forget what happened, or be able to forgive themselves for the suffering they’ve caused. They are going to live with what happened, and live with the guilt, for the rest of their lives. They may also loose their freedom temporarily or permanently because they have to spend time in jail or rehab.

And that brings us to the point of this article: Accidents don’t happen to us by accident-we are very much involved in the planning and construction of them. By understanding that accidents are a learning opportunity that we planned for ourselves, no matter how terrible and tragic it might be, we will be better able to cope with the pain and suffering caused by such tragedies. By being awake to the nature of accidents, we will have a better understanding of the dynamics of the situation and recognize the accident for the window(s) of opportunity that it presents. And while we might not ever be able to forget our part in an accident (and probably shouldn’t), we will be able to learn from it and be open to forgiving others and ourselves so that we can move forward spiritually.

The “GG” note that there are four main reasons that we might consider involving ourselves in an accident: (1) group karma; (2) an individual karmic debt to be paid; (3) to learn a particular lesson; and (4) to have an experience that will allow us to advance to the next level of growth.

As I mentioned earlier, the “GG” also advise that while there are many possible reactions to an accident, it is the way we react that is the key to learning a particular lesson and getting the most from the experience:

oSome will react with sadness that they will recover from or cling to
oSome will react with shock and disbelief that this is happening to them
oSome will blame others and not take responsibility that belongs to them
oSome stagnate because of it, while others deal with it and move on
oSome forgive the person who caused the accident, some won’t
oSome forgive themselves, others won’t
oSome become caregivers (possibly allowing them to complete a karmic cycle)
oSome refuse to become caregivers (possibly exercising freewill and missing an opportunity OR maybe refusing to be a caregiver is exactly what they were supposed to do-we can’t judge-we don’t know!)
oSome continue to be friends with or close to the victim, some move away from the victim
Here’s how to tell if the reaction you had is the correct reaction to get you through a window of opportunity: You’ll stop attracting the same type of situation to you. And here’s an example–my nephew once had 6 incidents surrounding his car in a two-month period. He had five accidents of varying degrees, and the car was also stolen one night from the front of his apartment building. When he finally reflected on these incidents and examined his reactions, he did something new: He owned his part in them and began to accept responsibility instead of continually blaming others for what happened. And then the accidents came to a complete stop and so did his “life script.” It happened overnight.

Keep in mind, too, that windows are as unique as the individuals who construct them, and so we need to look inside ourselves and search for patterns and life scripts. This will help us discern what response is right for us to go through the window. How? Once we recognize a pattern or script, we can analyze that pattern and our reactions. Once we recall how we handled similar situations in the past, we will quickly realize that those reactions did not work, as indicated by the fact that we continue to draw the same type of situation to ourselves. The final step is to change our reactions/behavior when the pattern or script repeats so that we can end the cycle or life script.

Understanding windows of opportunity is important because as we train ourselves to recognize windows early, we will learn our lessons faster. As we finish each lesson/experience, our higher self will cross it off of our spiritual “to do” list so we can move on to other lessons and experiences. And understanding the concept of relationship villains will keep us from holding lifetime grudges that would slow down our progress.

Life-altering and tragic accidents are not taken lightly on either side of the veil. The “GG” have armed us with this important information so that we will recognize accidents as learning and growth experiences, thus allowing us to take control of our lives, move forward, and expedite our spiritual growth.