student treatment abroad

student treatment abroad Pre-departure The Counseling Center reports that more students are coming to college with mental health conditions. This does not necessarily mean that more students have mental illness, but rather that students are getting diagnosed and treated as adolescents. For the majority of students, this means they are comfortable with, and in control of, their condition. And, in fact, most students with mental health conditions study abroad successfully. OSA encourages students to disclose all pre-existing health conditions via the online Student Health/Emergency Treatment Authorization Form. If a student requires on-going care while abroad, such as counseling, you will be informed by OSA and the Travel Clinic that a medical management plan is being developed. On-site If you have a student whose behavior leads you to believe he may have a mental health condition, resist the urge to diagnose. Instead, focus on disruptive or harmful behaviors, and their impact on the learning environment. Start by talking to the student in private. Be sure to listen carefully and show concern/interest. Repeat back the essence of what the student has told you. Avoid criticizing or sounding judgmental. Suggest visiting a counseling center and discuss this with the student. If the student resists help and you are still worried, contact OSA to discuss your concerns. OSA can put you in touch with a variety of mental health resources, including the MSU Counseling Center. The Counseling Center is staffed from 8:00 am to 12:00 pm and from 1:00 pm to 5:00 pm and can be reached at (517) 355-8270. Their 24/7 line is (517) 372-6666. They can provide advice over the phone to program leaders for dealing with situations. They can also provide therapy to students; however, arranging for in-person services through HTH Worldwide is preferred. If you consider the situation to be an emergency, call the local emergency facilities (comparable to 911) and stay with the student. If the student seeks out-patient treatment abroad, inquire as to whether he/she kept his/her appointment and how he/she felt about the session.

Best Performance Car Insurance Costs

Car Insurance Costs - If you drive a best performance car you are going to need best performance car insurance. This is an actual category and it would make sense to look into this kind of insurance before you actually buy a best performance car. Insurance is definitely going to be more expensive for this category of car. The reason for this is because these cars are more costly to repair when damaged. The other reason is to replace a part costs more and according to statistics this category of car has a higher risk of being stolen. These are some of the factors that make insurance companies regard best performance cars as a high risk category.

How to Buy Car Insurance Online Using a Comparison Quotes Website

When you go online to

Get Cheap Car Insurance Rates

Chances are that if you are over 25 years of age you can get a pretty good discount on your car insurance. Auto insurance companies tend to give discounts to drivers over the age of 25 because they see them as more mature because of their experience behind the wheel.

However the best age group that gets excellent rates on auto insurance are senior citizens. Auto insurance companies consider people over 50 years of age as senior citizens. They get the best rates because they are less likely to get into auto accidents or get a speeding ticket.

Long Island Property Insurance

There are few things more invigorating than starting your own business. Who wouldn’t embrace the opportunity to put his or her expertise to use—and to be the one calling the shots? But one of the details that excited entrepreneurs often overlook is an unglamorous but decidedly fundamental part of running a business on Long Island: property insurance.

Setting a property insurance rate is a challenging and involved process, one that can intimidate business owners of all ages and levels of experience. The brokers at Budde Insurance are well-versed in all facets of property insurance and are eager to sit down with fledgling business owners to evaluate their situation—including such variables as the risks of the industry, the number of employees, size of the office and yearly payroll—and find coverage that provides security at a reasonable price.

Long Island Small Business Insurance

The most important investment a small business owner can make has nothing to do with real estate or the stock on the shelves. It is the insurance he or she takes out upon the business.

At the Budde Agency, our Long Island small business insurance covers a wide array of services, including but not limited to general liability business insurance, worker’s compensation, professional liability, commercial real property insurance, disability, Loss of income, commercial equipment and automobile insurance.

Long Island Disability Insurance

Everyone has trepidation about purchasing any kind of insurance, but the coverage that makes everyone’s heart skip a beat is disability insurance. Just the thought of being out of work for several weeks or months is a frightening concept, especially for a small business owner who is responsible for his or her own paycheck.

At the Budde Agency, we offer a variety of Long Island disability insurance plans that will meet the needs of any business, regardless of size. The statistics suggest disability insurance is a must-purchase for business owners: according to the Health Insurance Association of America, about 30 percent of Americans aged 35 to 65 will miss 90 or more consecutive days of work due to illness and/or injury. Long-term disability insurance gives business owners peace of mind at a reasonable rate.

Business Insurance on Long Island

Starting a business is a dream come true for every entrepreneur. But that dream can turn to a nightmare in a split second if you don't have Long Island small business insurance. Without such insurance, an accident can not only close a business but also leave the person (or people) running it completely bankrupt.

Fortunately, The Budde Agency is ready to assist business owners of all sizes and experience and provide them the insurance that will protect them, just in case. The Budde Agency offers every type of small business insurance imaginable: from general liability business insurance and professional liability to commercial real estate property insurance and automobile insurance, as well as everything in between. Since 1936, the Budde Agency has prided itself on assisting Long Island small business owners in securing insurance that is

Long Island motorcycle insurance

If you own a motorcycle, there's no better way to spend a summer day than by hopping on the bike and taking advantage of Long Island's hundreds of miles of scenic roadways. Whether you're heading to one of the many area beaches, or simply looking to head from the Queens border to Montauk, the Island is uniquely suited to a motorcycle tour.

Property Insurance on Long Island

For homeowners new and old, the expenditures aren’t complete once the house is officially purchased. There is still the vital task of purchasing property insurance on Long Island. As wonderful as a new house may be, it is incomplete until property insurance is purchased. In fact, potential homeowners should price it before buying a new home.

Worker’s Compensation Insurance

Worker’s compensation insurance is a form of insurance that compensates an employee for wages lost and it provides medical and other benefits to employees that are injured during their employment, so that the employer does not get sued.  Worker’s compensation basically protects employees who are hurt on the job and provides them with monetary awards so litigation won’t be necessary. It is very important for businesses and employers to have worker’s compensation insurance so that they can be protected from any scenarios that may occur. 

Auto Insurance

How ridiculous are the prices for everything in New York? It’s impossible to find good rates on anything these days, especially on auto insurance. We’ve all seen those auto insurance commercials on television and the internet ads for auto insurance. It can be confusing and tricky to find the best deal, and the insurance company that best suits your needs. There are so many auto insurance companies, which makes it a hassle to look into all of them and to shop around endlessly to find the one that fits your needs. You want to make sure you’re insured by the most reliable and affordable company.

Flood Insurance

It definitely is a very beautiful experience living near water. Living on or near the water does have its disadvantages, though. During times of inclement weather, the tides may become elevated and create floods, or flooding can occur because of rain in areas of poor drainage further inland.

insuring your pet: do it as soon as possible.

Having a pet cat or dog to take the animals most widely adopted, implies the responsibility of the master: to look after him and make all necessary means to a life full of respect. Pamper your pet is also medical insurance, because an animal is not immune to health problems or accidents. Animal medicine is expensive and progress in this area adds further costs to a master who wants to keep his pet as healthy as possible. The pet insurance available to assist owners of pets to meet the medical expenses and are in the same way that mutual to humans, an essential protection.

pet insurance: to keep them close to home as long as possible

Humans are not the only ones who see their life expectancy longer. Animals are also living longer and healthier lives. It is estimated that their longevity has doubled in three decades thanks to advances in veterinary medicine. The French love dogs and cats is the same European country has the most pets: 60 million cats, dogs, small rodents, birds and fish share the life of French families. But if one in two households owns a pet, in insurance dedicated to animals, our country has a considerable delay, as only 4% of dogs and cats would be covered by health insurance. It is far from the level of excellence of the Swedes with 80% of cats and dogs are insured, and always behind by the British with 30%.

Maternity: have a good mutual health

Motherhood and, before her pregnancy period, confer certain rights guaranteed by health insurance. The insured are supported at 100% for consultations, care, medication and monitoring, since they declared their pregnancy with their health insurance fund before the end of 3rd month. Once the registration is successful, it sends the mother a personalized calendar medical examinations supported and dates of maternity leave for one that works. She also receives a practical guide to help throughout her pregnancy on her rights, the steps related to the birth of a child and the health boards. Optimal coverage appears adequate. Pregnancy and motherhood may then lead to additional costs that health insurance will not support: higher fees, additional consultations, hospital to name the most common. Having a health insurance which gives a prominent place in the maternity is essential to supplement the basic coverage.

Dental Rates: The End of transparency

A law of April 2009, implemented in March 2010, until forced dentists to be transparent in indicating the cost of each service and the price of the equipment supplied by the prosthetist. The legislature wanted to force the dentists to practice moderate and acceptable margins on the purchase price of dentures and improve factual information to patients. The dentists were immediately protested against this law they deemed it "unjust and disastrous" and that affected their image. Lobbying of elected officials has borne fruit, because the Senate has put an end to this law virtually stillborn on March 9. A decline detrimental to many patients forego dental care, lack of resources.

Business Insurance

In a world full of opportunities but also full of risk, have appropriate insurance coverage to their needs is essential to the survival and prosperity of businesses and nonprofit groups in Canada. The right kind of insurance and an adequate amount of protection provide peace of mind financially to organizations that try to break into a business environment can be complex. In a society that increasingly using the court system to settle disputes, it is more important than ever for an organization, its employees and volunteers, as appropriate, to have insurance to protect themselves against lawsuits (liability insurance).

How insurance works

Although it may seem complex, insurance is actually very simple: the payments (or premiums) to allow the multitude to settle claims of a small group. Your premiums are paid in a large pooled fund, if you will, with your insurance company. The small group of claims are paid from this fund. As people who contribute to the common fund are more numerous than those who present claims, the fund still contains sufficient funds to pay claims - whether a single claim of a significant amount, eg when a person becomes permanently disabled as a result of a car accident, or a multitude of claims of a lesser amount, as in the case of a natural disaster. (According to some estimates, the ice storm that hit parts of Quebec, Ontario and New Brunswick in 1998 gave rise to some 700 000 claims for damages totaling $ 1.4 billion.) However, major disasters (such as ice storms) come close to exhausting the fund.

Where are going the insurance premiums?

How insurance companies use the money they receive from you and other policyholders is the source of many misconceptions, widespread and extremely stubborn. For example, some believe that this money stays in the bank until someone makes a claim. Wrong. Others believe that the premiums are payable for claims that have already occurred. It is still true.

United States insurance

If you have time I will quickly tell you my experiences in the field of disease in the United States We must first of all that I said that I have a normal social couvertiue: + mutual safety and with my liability insurance to MAIF I benefit from the international mutual insurance (excellent) Case 1: Is the United States: the 2 / 3 of the trip my husband did not feel well: high fever, etc. ... Hospital emergency first night. Diagnosis: cold snap so doliprane treatment. the hospital would send the bill to the house in France. But as the fever of my husband did not fall (after 2 days) of new hospitals and the verdict double pneumonia. I immediately took contac with international mutual assistance (it was a July 14 in France) and they take everything in hand relationship with the hospitals and doctors,

A word about DEDUCTIBLES...

Simply stated: A deductible is the amount that you pay toward a loss or claim before the insurance company begins to pay. The higher your deductible, the lower your premium.

• The more you are willing to participate in your loss, the greater the savings on your premium.

The insurance company will offer your a lower premium if you take a higher deductible because your LOSS FREQUENCY and your LOSS SEVERITY will be lower. Consider if you have a $2000 deductible instead of a $500 deductible:

1. You'll make fewer claims because you won't be making claims for $600, $900 or $1995 losses. You'll simply pay those yourself. (FREQUENCY)
2. When you do submit a claim the insurance company will be paying $1500 LESS than if you had the $500 deductible. (SEVERITY)

I've had a FIRE! What do I do now?

Fire can be one of the most traumatic and devastating losses anyone can experience.
If you've had a fire and there were injuries or a death, my sincere condolences. If you've experienced just loss to property, please take a moment to be thankful that there we no injuries or death.

You're probably still in shock that this has happened to you and bewildered by the seemingly endless task ahead of you. This is going to be a ONE DAY AT A TIME process. If you can settle into that thinking, this will be much easier. Every day that you make progress toward rebuilding your life is a WIN. Ask yourself at the start of each day, "What does WIN THE DAY look like TODAY?" Make a VERY SHORT list of a few things that will get you to that WIN THE DAY feeling and be happy with that.

FIRST THINGS FIRST

I've had a FIRE! What do I do now?

Fire can be one of the most traumatic and devastating losses anyone can experience.
If you've had a fire and there were injuries or a death, my sincere condolences. If you've experienced just loss to property, please take a moment to be thankful that there we no injuries or death.

Whose Insurance Does What during "DELAYED POSSESSION"?

Got this great question from Jennifer Allan, author of Sell With Soul today and thought the answer might be helpful.

Hey Dennis...

What's the deal when a home sells and closes, but there's a delayed possession - that is - the seller retains possession of the property for a few days past closing to move out?

If there's damage... which homeowners policy pays? The buyer's (who owns the property, but hasn't yet taken possession) or the seller's (who no longer owns the property)?

J

WOW! Great questions, Jennifer.

Homeowners insurance for the buyer goes into force to close escrow. After the closing, the BUYER owns and insures the house. Should there be damage to the home, it would fall on the BUYER'S insurance to cover the loss. The new owner would be responsible to pay the deductible. (there could be some stipulations in the RENT BACK AGREEMENT about that, but without some agreement to the contrary, that's how it would likely settle out.)

Insurance Claims Secrets - The INSIDE STORY

With that in mind, this little bit of INSIDE INFORMATION is offered.

EVERY CLAIM HAS:

Homeowners Insurance - HOW TO CLOSE YOUR ESCROW -- How to buy it, How much to get, and HOW TO SAVE MONEY

The informed purchase of your homeowners insurance can be the most important minutes you invest into the purchase of a home.
So, you've purchased your new home, navigated the rigors of escrow including home inspections, termite tenting, title searches, legal wrangling, paper work, signatures, delays, changes, lost documents, unreachable loan officers, and the dog ate my disclosure!
Then you get the call..."I'll need a copy of your homeowners insurance to close escrow TOMORROW!"
So now what ?
If you've done the following.....YOU WON'T EVEN GET THE CALL! EVER!!!!!
There's a few simple steps you can take to avoid this last minute panic.

1. Contact YOUR insurance "team member" you trust EARLY in the escrow (like the day you open). (he is a member of your team that helps you avoid ulcers during escrows.)
2. Your agent then gets completely ready w/ the information, inspects the house, relays his information (phone, fac, etc) to escrow and waits. (Check to make sure he's going this. Sometimes escrow contacts him when there's like 20 minutes left till the rate lock expires....) Make sure he's all "warmed up" and ready to go just like the pitcher in the bull pen.

10 Ways to Beat the High Cost of Auto Insurance (Part 1)

(the SECRET from the ad is marked with 3 stars (***) in Part 2 of this article. This first part is pretty good though... :) )

Insurance has been one of the necessary evils of life for over 100 years. In this day of higher taxes, rising food prices and soaring housing costs, it is possible for you to get a handle on your own auto insurance costs. If you have been frustrated by an inattentive agent and constantly rising insurance premiums, this is the book for you!
Insurance can be complex and technical. Some people are paralyzed by simple buying decisions. Should I have collision coverage on my 15 year-old car? Would it make more sense to have a $500 deductible instead of a $100 deductible? Since I have adequate medical coverage at work, do I really need medical coverage on my car insurance as well?

I will show you how nearly all of your auto insurance-buying decisions can be simplified by answering 3 simple Test Questions.

Condo Unit Owner? Here's the Insurance You Need!

Read through the article and your HOA "secret" is indicated with ***** below.

Your condominium or Condo as we affectionately call it is a very important investment. Protecting it properly is critical to your financial security. If you’ve only been guessing until now, then guess no longer.

Insurance for your condo need not be a shot in the dark. There are simple ways to determine EXACTLY how much insurance you should have.

Even though insurance has been part of our culture for over 100 years, to most people – It’s still a just a mystery. And because they don’t understand it, a lot of people think they’re being “ripped off” by the Insurance Industry; aka “The Club”

I want to end that for you.

Current State Minimum Auto Insurance Liability Limits

• Alaska 50/100/25
• Alabama 20/40/10
• Arkansas 25/50/15
• Arizona 15/30/10
• California 15/30/5
• Colorado 25/50/15
• Connecticut 20/40/10
• Delaware 15/30/5
• Florida 10/20/10
• Georgia 15/30/10
• Hawaii 20/40/10
• Idaho 20/50/15
• Illinois 20/40/15
• Indiana 25/50/10
• Iowa 20/40/15

How to Review Your Auto Insurance Renewal Statement

You can save TONS OF MONEY by just taking a few minutes to look over that annoying little renewal statement that has your insurance bill attached to it.
We sure get a lot of paper these days. Seems that in this paper-LESS society, we shouldn't have quite as much paper as we do. True... we can scan it, archive it, or just throw it away. There is one piece of paper that you'll want to pay attention to -- Its your Auto Insurance Renewal Statement. You'll get these once or twice a year depending on how often your auto insurance renews. You'll probably also get one whenever you adjust your coverage or change vehicles.
One of the reasons the insurance company sends these statements out to you is to give you an opportunity to pause and determine if those coverages and limits and deductibles you started with so long ago still apply to you. Things change and so should your insurance policy. Sometimes people keep up with it; sometimes they don't. By not paying attention to these renewal statements, you could be spending needless premium on coverage you no longer need or want, or you could be set

Keeping, Dropping or Changing Your Comprehensive or Collision Coverage

Managing the cost of your insurance car insurance northern ireland, for example) can be as simple as answering a few simple questions. Here's a short discussion that will walk you through the process of deciding to keep, drop or to change (different deductible) your comprehensive and/or collision coverages in your car insurance policy. First we need to do a very short 'inventory.'
TAKING YOUR FINANCIAL PICTURE -

Insurance is simply the management of risk. Owning and driving an automobile is a risk. You risk injury, loss of your vehicle, and potential liability for damage to others. The purchase of insurance is merely an agreement with the company to transfer some of your risk to them. You are saying, "I choose not to assume all of this risk myself. In exchange for my premium dollars, the insurance company will suffer some of the financial loss instead of me." With this thought in mind, you must decide how much risk to transfer and in doing so, decide how much risk you are willing to keep yourself in the from of deductibles and unpurchased coverages.
Before we can get to ways to save money on your premium, you need to take a short inventory of your financial picture. Before you get to deciding whether to take a $100 or a $500 deductible on your collision coverage you first need to decide that you can reasonably handle a $500 loss. So before we jump into any tricks of the trade, lets take a moment to diagnose your "loss threshold."
Lets say you go out and buy a $3 picture to hang in your bathroom. Are you going to insure it? Of course not! Now you go out and buy a famous $252,000 masterpiece painting. Are you going to insure it? Unless you are a multi-millionaire, you certainly will. Somewhere in between the $3 print and the $252,000 masterpiece is your loss threshold. Your loss threshold is the amount of money you can stand to lose without doing any great harm to your daily lifestyle or your peace-of-mind. In the above example, different people will have different thresholds. There is no right or wrong answer here!
In addition to settling on your personal loss threshold, it is important to consider your previous history of insurance loss

Insuring Savings With A Simple Checklist

Insurance needs change with age and circumstance, yet few people take the time to review their insurance needs and find savings to fatten their monthly budget. It is, though, one of the easiest ways to cut living expenses and save money. On the bright side, it takes just a phone call to switch policies, get a new quote, or change the terms of an existing policy. Here are a few things to check every year, to determine if you can save money on your insurance bills.

* Get new quotes – Every year, it pays to look around and see what other companies are offering for their insurance policies and costs. Just shopping around can save hundreds.

How to Review Your Homeowners Insurance Renewal Statement

For most of us, our home is our single largest and most important investment. Many of us have poured thousands of dollars and countless hours into maintaining, improving and (hopefully) paying off our homes. Many people own their homes free of any mortgage. These assets are pure equity. Certainly its worthwhile to invest 15 minutes a year to be sure it's properly insured.

Thankfully, the insurance company offers you a perfect reminder and opportunity in sending out your annual renewal statement. Even if your insurance is paid by your mortgage company as part of your impound account, the insurance company still mails you a statement of renewal every year to update you with your current coverage limits and deductible.

Here's a few important steps you can take to be sure that HOME SWEET HOME is properly protected.

1. Check the basics. Check your name, address and any other description of the insured property. Make sure there's been no change of vesting or ownership that needs to be updated. Check your address to be sure no numbers are transposed.