Has your fear of coronavirus also induced a fear of going to your doctor for non-COVID symptoms, regular checkups, or recommended health screenings? By using telemedicine options or making sure your doctor’s office is observing safety guidelines for patients and staff, you can fearlessly visit your healthcare provider online or in person. By maintaining continuity of care, you can avoid negative consequences from delayed preventive, chronic, or routine care.
During the COVID-19 pandemic, you don’t have to choose between medical care and social distancing if you use telemedicine options available from your provider’s office. Remote access also can help preserve the patient-provider relationship at times when an in-person visit is not practical or feasible.
Telemedicine can be a beneficial way to address mental health concerns for the majority of patients. Many patients are comfortable in their own home, scheduling is often more convenient, concerns with transportation and time may be reduced, and adolescents and young adults especially are comfortable using technology to communicate. Telemedicine also can reach patients in rural areas where behavioral health professionals are otherwise in limited supply. Remote access to healthcare services may increase participation for those who are medically or socially vulnerable or who do not have ready access to providers.
Safety guidelines for healthcare providers’ facilities from the Centers for Disease Control (CDC), the U.S. Department of Health & Human Services, and the World Health Organization include the following recommendations for waiting areas, patient examination rooms, labs, and restrooms:
- Provide supplies—tissues, alcohol-based hand sanitizers, soap at sinks, trash cans, and face masks.
- Place chairs at least 6 feet apart.
- If your office has toys, reading materials, or other communal objects, remove them or clean them regularly.
- Clean areas often with attention to frequently-touched surfaces including doorknobs, armrests, and handrails.
- Fully clean and disinfect exam rooms between each patient.
- Require the use of face masks by staff, patients, and accompanying visitors.
This issue of InsureYouKnow provides preventive health guidelines for the general adult population, based on the recommendations of recognized clinical sources such medical associations and government entities, including the CDC and the United States Preventive Services Task Force. An individual patient’s medical history and physical examination may indicate that further medical tests are needed. Guidelines may also differ from state to state based on state regulations and requirements.
Some tests and vaccinations may not be covered by Medicare or by your health insurance plan, so it’s important to check on your specific coverage before obtaining them. Some insurance companies are currently not only waiving copayments and deductibles for COVID-19 related diagnoses and treatments, but also for telehealth and in-person visits for non-COVID concerns.
- Routine Health Examination: every visit or at least, based on age and insurance contract, your healthcare provider will perform an exam that includes height and weight, calculation of body mass index, obesity determination, and blood pressure measurement.
- Abdominal Aortic Aneurysm: one-time screening with ultrasonography in men ages 65 to 75 years who have ever smoked.
- Breast Cancer: mammography and physician breast exam: annually for women ages 40 and over; breast self-exams: recommended monthly for women beginning at age 20.
- Cervical Cancer: Pap/Human Papilloma Virus (HPV) testing: for women ages 21 to 65, or starting 3 years after the onset of sexual activity, annually without HPV test to age 30; Pap test with HPV test every 3 years after age 30. Women who have had a hysterectomy or are over age 65 may not need a Pap test.
- Colorectal Cancer: for men and women ages 50 to 75 (in certain situations, also may be advisable from ages 75 to 85). Colonoscopy: for men and women, every 10 years. Other screening tests are: Fecal Immunochemical test: stool blood test, every 1-3 years, and CT colonography (an x-ray examination): every 5 years.
- Lung Cancer: annually with low-dose computed tomography in adults ages 55 to 80 years who have a history of heavy smoking and currently smoke or have quit within the past 15 years.
- Prostate Cancer: Digital rectal exam (DRE) and prostate specific antigen (PSA) test/discussion with physician: annually for men 50 and over (starting at age 40 for African-Americans).
- Cholesterol: Lipid Panel, including LDL: every 5 years, or more frequently based on results and risk profile for all men and women starting at age 20, or earlier if cardiac risk profile reveals high risk.
- Diabetes: Fasting Plasma Glucose or Random Plasma Glucose: men and women with high blood pressure, are overweight, or have cardiovascular risk factors; all others age 45 and over.
- Hepatitis B: screen persons at high risk for infection (such as geographic location, HIV positive, immunocompromised); screen pregnant women at their first prenatal visit.
- Hepatitis C: one-time testing of all adults 18 and all pregnant women during every pregnancy. People with risk factors, including people who inject drugs, should be tested regularly.
- Human Immunodeficiency Virus (HIV) Infection: screen in adults age 13 to 65 years and younger adolescents and older adults at increased risk; all pregnant women.
- Hypertension: blood pressure measurement every 1-2 years for all men and women, regardless of age.
- Osteoporosis: DXA (bone-density testing): baseline testing with follow-up intervals based on test results for women ages 65 and over, or starting at menopause if additional risk factors exist.
- Sexually Transmitted Infections (STIs): screen sexually active and those at high risk for syphilis, chlamydia, and gonorrhea and offer intensive behavioral counseling for adults who are at increased risk for STIs.
- Diphtheria/Tetanus/Pertussis: one time in place of Diphtheria/Tetanus Booster for men and women ages 19 to 64.
- Diphtheria/Tetanus: every 10 years for men and women up to age 65; single vaccination only for men and women 65 or over.
- Human Papillomavirus (HPV): one series of three vaccines for females between ages 11 and 26, and men, two to three doses depending on age at time of initial vaccination; age 19-21 if not already given.
- Influenza (Flu): annually for high-risk adults of any age with diabetes or heart, lung, kidney or immune disease; annually for all adults ages 50 and over; annually for any adult desiring immunization, regardless of age.
- Pneumococcal (for Pneumonia): one dose of PCV 13 and one dose of PCV 23 at least one year after PCV 13 for adults ages 65 and over who are at average risk, for high-risk adults of any age with diabetes, cancer, or heart, lung, or immune disease, Initial vaccination, with single revaccination 5 years later.
- Varicella Zoster (for Shingles): two doses starting at age 50; single vaccination for adults ages 60 and older.
Mental Health Awareness
- Physical Exam: Your primary care provider may give you a physical exam and ask you about your feelings, mood, behavior patterns, and other symptoms. Your provider may also order a blood test to find out if a physical disorder may be causing mental health symptoms.
- Coping with Stress: The COVID-19 pandemic is stressful for many people. Public health actions, such as social distancing, can make people feel isolated and lonely and can increase stress and anxiety. However, these actions are necessary to reduce the spread of COVID-19. Coping with stress in a healthy way will make you, the people you care about, and your community stronger. Know where and how to get treatment and other support services, including counseling or therapy in person or through telehealth services. Free and confidential resources can also help you connect with a skilled, trained counselor in your area.
- Domestic/Intimate Partner Violence: screening and counseling for interpersonal and domestic violence should be addressed immediately. The CDC provides a list of services to assist victims of violence.
- Doctor visits and approvals as well as lab results are sometimes required in order to obtain or renew prescriptions.
Although health care news covered daily focuses on COVID-19, it’s important not to neglect other medical issues for which you should seek attention and advice from your healthcare professional.
At InsureYouKnow.org, you can save your medical files, lab results, and a list of prescriptions. You also can set up alerts to prompt you to schedule appointments to keep you on track to stay healthy.
Individuals, communities, nonprofit organizations, and businesses continue to feel the ever-increasing effects of the COVID-19 pandemic. To help keep them afloat while dealing with diminished incomes and benefits, isolation away from friends, family, and colleagues, or facing an unknown future of returning to their previous careers or businesses, they can seek emergency financial assistance.
As the following selected links demonstrate, a variety of grantors are currently offering grants to assist in meeting financial challenges resulting in the continuing threat of COVID-19.
Grantspace by Candid provides a continually updated list of emergency financial resources including the following grant opportunities.
- The United Way, accessible at www.211.org or by dialing 211, provides a comprehensive list of available resourcesto locate food banks, to help pay housing bills, and to access free childcare and other essential services available on local, national, and statewide bases.
- Coronavirus Tax Relief: Economic Impact Payments is an IRS web page that lets non-filers enter payment information and others to check on the status of their stimulus payments.
- Economic Impact Payments: What you need to know is a FAQ page created by the IRS to answer questions about stimulus payments.
- Restaurant Workers’ Community Foundation COVID-19 Relief Fund provides emergency funding for those employed by or own restaurants or bars facing unforeseen expenses not covered by insurance.
- Americans for the Arts Coronavirus Resource and Response Center includes a list of funding/grants resources.
- COVID-19 Freelance Artists Resources is an aggregated list of free resources, opportunities, and financial relief options available to artists of all disciplines.
- Creative Capital Arts Resources During the COVID-19 Outbreak is another list of financial resources for artists working in all disciplines.
- Freelancers Relief Fund grants financial assistance of up to $1,000 per freelance household to cover lost income and essential expenses not covered by government relief programs.
- Student Relief Fund lists resources for college students in need of support due to campus shutdowns caused by COVID-19.
- Artist Relief lists grants for artists facing dire financial emergencies due to COVID-19 in the U.S.
- Artist Relief Project publicizes grants for any artist in any discipline whose income has been impacted by COVID-19-related cancellations and closures.
- American Guild of Musical Artists (AGMA) Relief Fund provides support and temporary financial assistance to members in need.
- Equal Sound Corona Relief Fund for Musicians who have lost income due to a cancelled performance as a result of the COVID-19 outbreak.
- New Music Solidarity Fund offers emergency funds to support freelance artists in the new/creative/improvised music community.
- Dramatists Guild Foundation Emergency Grants provides emergency financial assistance to individual playwrights, composers, lyricists, and book writers in dire need of funds due to severe hardship or unexpected illness.
- GrantWatch promotes an Opportunity for USA Organizations to Raise Funds to Benefit Communities Impacted by the Coronavirus (COVID-19).
- Community Foundations Nationwide Launch Coronavirus Relief Efforts is a full listing of more than 500 U.S. community foundations in all 50 states, plus the District of Columbia, that support those affected by COVID-19—directing critical relief to local nonprofits and partnering with local governments and health organizations to help contain its spread.
For Small Businesses
- Small Business Administration Disaster Assistance Loans provide economic relief to businesses that are currently experiencing a temporary loss of revenue.
- SBA Paycheck Protection Program – An SBA loan that helps businesses keep their workforce employed during the COVID-19 crisis.
- GoFundMe Small Business Relief Fund helps small businesses that have been affected by the COVID-19 pandemic and empower their communities to rally behind them. GoFundMe has partnered with Yelp, Intuit QuickBooks, GoDaddy, and Bill.com to provide small business owners with the financial support and resources needed to continue running their businesses during and after the coronavirus crisis.
- Facebook Small Business Grants Program – Facebook is offering $100M in cash grants and ad credits for up to 30,000 eligible small businesses in over 30 countries where it operates.
- Financial Assistance for Small Business is a list of programs providing financial assistance to small businesses compiled by the U.S. Chamber of Commerce Foundation.
- Opportunity Fund Small Business Relief Fund supports eligible small businesses, especially those run by women, people of color, and immigrants, impacted by the COVID-19 crisis.
- Funding for Coronavirus (COVID-19) shares information about philanthropy’s response to the pandemic
- CARES Act: How to Apply for Nonprofit Relief Funds is a guide created by Independent Sector.
- Loans Available for Nonprofits in the CARES Act is a chart from the National Council of Nonprofits providing details on loan options, eligibility criteria, terms, and application information.
- State Public Policy Resources on COVID-19 is the National Council of Nonprofits page for nonprofit-specific materials from state officials and useful resources on what states are doing in response to COVID-19.
- Grantmakers Concerned with Immigrants & Refugees COVID-19 Resources is an aggregated list of resources for nonprofits working with immigrants & refugees.
In general, grant opportunities and corresponding applications adhere to strictly announced deadlines and requirements so potential grantees need to submit proposals on time and meet the specific provisions outlined in each grant’s description. At InsureYouKnow.org, you can save your documents and files relating to grant applications and set up reminders to alert you to keep track of timelines for submitting grant applications and to check on grants awarded.
The checkbox on new hire paperwork about life insurance, may start to seem a little more important during the days of COVID-19. For many it was an obvious choice when the employer was giving something for “free.” Professionals have a safety net policy to help their family members for a short time. For consultants, self-employed and business owners, life insurance was a security blanket. A new stress has emerged as the media has suggested that the coronavirus cause of death would not be covered – this is not a true statement.
The most common causes of death – heart disease, cancer, and accidents, are still present and affecting all age groups. 74% of deaths in America stemmed from 10 causes, and the coronavirus may make it on the top-10 list. The CDC reports that about 647,000 Americans die from heart disease each year, while nearly 600,000 people die annually from cancer. Currently the increasing numbers of people affected by the virus are resulting in changes in all kinds of data. Insurance companies will be a valuable additional source of data as they collect this information. The Yale School of Public Health recorded an estimated 15,400 excess deaths in the United States from March through early April, twice as many as were publicly attributed to COVID-19. Life insurance companies are receiving higher numbers of applications as end-of-life conversations and preparedness are emerging as necessary, not taboo topics.
Reviewing your Life Insurance coverages
This is a good time to review the safety net or security blanket policies that you may have. You will come across many different types of life insurance policies when you start shopping––and not all of them are available from every company.
When you narrow down a policy, reviewing the type of insurance you have against your current lifestyle and needs may be advantageous. New applications are being accepted, and many companies have extended the time needed to complete the medical exam to 120 days, or 4 months. News9, an Oklahoma based news outlet, reported that individuals shopping for new policies may notice that e-signatures are now acceptable.
According to Glen Mulready, Oklahoma Insurance Commissioner, older individuals may have more trouble finding coverage.Insurance companies view older applicants as high risk and with the current economy, some have decided to limit exposures. Fortunately, there are a variety of life insurance companies, so there is a policy type for all. Finding an agent that is affiliated with multiple providers may be advantageous and save time when reviewing rates.
Accessing your Life Insurance
Upon your death, your next of kin will need to make a claim to access the life insurance policy or policies that have been created for you. These people may or may not be your beneficiary. There are three steps that need to take place before any money is released.
- Locating the policy. This involves finding the name of the company or companies that you purchased life insurance from. The NAIC, has an online life insurance policy locator service – https://eapps.naic.org/life-policy-locator/#/acknowledgment
- Connecting with the agent. The agent from the company will assist with the timeline process, provide the policy number, and necessary forms to be completed.
- Completing the Paperwork. Fill out the forms, order the death certificate and mail the forms to the company without delay. Often there is a choice to pick a lump sum or installment payouts.
Typically, the insurance money is released within a few weeks––but there are exceptions. According to Marketwatch, an insurer might deny a claim for a coronavirus death if the policyholder submitted an inaccurate or incomplete application. With this in mind, it may be worth spending a few minutes reviewing your paperwork for gaps.
As you work through the process of applying for your life insurance, reviewing your coverages or submitting a claim for a loved one, document all your findings and notes on InsureYouKnow.org – an online information storage site that allows you to access documents, and files remotely relating to your affairs. There are various levels of access to allow your family members, caregivers or business associates insight into the documents, as needed. There is even a reminder feature to help you update or revisit the policy from time to time.
Created as a distress signal in the 1920s, the term mayday is utilized by ships and aircraft to communicate emergency or life-threatening situations. When officer, Frederick Stanley Mockford thought of the word, the pandemic crisis of 1918 and the end of the First World War was not even a decade past.
Fast-forwarding 100 years to May 2020 – the coronavirus pandemic is very much part of everyone’s life and lifestyle. In a matter of weeks, the way the world looked at itself was turned around, and some questions come to mind….
Is our planet in a state of Mayday?
Depends on who and what you are referring to. The environment is thriving, the oceans are cleaner, and the animals are not scared and are coming out into many city dwellings. The seals are basking on the beaches where humans were. The water, and air is cleaner as the pollution subsides. The planet called Mayday, and now the humans are. However the story is not the same for mankind. Humans are dying – living in fear of contracting the virus and staying indoors and isolated. The economy is in a state of flux, no one wants oil – a once huge commodity. The luxuries of stock trading and vacations are now replaced with the luxuries of accessing food, and human touch.
Is our country in a state of Mayday?
The way the world worked has changed. Our fast paced lives have in some ways slowed down as transportation needs have reduced, and the working world has shifted focus. Going into work, going to school, errands, and shopping have been restricted by both private and public entities. Federal and local governments are rapidly reviewing information and making life-changing decisions about access to healthcare, food, and the outdoors. In some ways the Mayday call has already been sent from the public sector to the private. Our country has forced its community to ramp up the use of technology for communication. The internet is now a necessity for video-meetings that are replacing work conferences, family birthday gatherings and learning. Remote payments instead of cash exchange for services. And the state of the unknown has created an undercurrent of anxiety.
Do you need to signal Mayday?
Checking in with yourself about your needs is paramount. Where you are at emotionally, physically, socially, financially impacts your relations and ability to function with the new day to day. There is little control. Access to food, loved ones, work and our old lifestyle can bring up feelings of anger, resentment, and fear. Reaching out for support or connecting with your community could stop your need for the Mayday call.
InsureYouKnow.org – an online information depository allows those that receive your Mayday call, this month, this year, this decade to access documents, and files remotely relating to your affairs. Whether photographs to relive memories, financial information to cover debt, or your resume for a possible job opportunity. There are various levels of access to allow your family members, caregivers or business associates insight into your documents – as needed. There is even a trusty reminder feature to help you remember that it’s time to update.
We all have or should have In-case-of-Emergency documentation, but did we ever think about in case of pandemic? The current situation can make a difference in the way that our emergency plans work. There are many lists and suggestions of “in case of emergency” documents that everyone should have together, but in our current COVID-19 pandemic situation, there may be areas that need to be reviewed or even created.
With the unknown of when the pandemic will end or if we are in the peak of the homebound regulations, the question of access has become a source of anxiety. Below are three areas of access to consider when we are in pandemic.
Access to Resources
Some of our resources are easier to access than others. Groceries are the ones that we are hearing about on the news – we can’t get the basics – milk, eggs, toilet paper, hand sanitizer. There are grocery delivery services, volunteers in the neighborhoods and local nonprofits that are currently marketing their services – facebook, nextdoor and even conversing with neighbors or friends can uncover options.
Our safe deposit box. The place that we have been keeping our trusty resources are in some ways inaccessible. Our financial institutions may still be open but are you able to get to them safely given the WHO recommendations. Many locations are having special hours for seniors and high-risk patrons.
Many people in the workforce have experienced changes in the work environment. From job insecurity, furloughing, limited hours – to work from home, working in a new location or role. Financial resources may be reduced, and not being able to use your computer, access your desk drawers, use the same extensions to reach people can be tough.
Action: Have you been able to reorient yourself to the new resource allocation? Is there something that is missing that you wish you could have to make your life just a little bit easier?
Access to Care
Our healthcare routine is currently disrupted. Getting to the doctor’s appointments, picking up prescriptions, and going to therapy or residential care facilities is not always possible.
Many providers have been communicating how you can access them if there is a need – often by telemedicine routes. Local or satellite offices are consolidating care in a central location and many doctors are not available every day.
Action: Is your doctor only conducting telehealth visits? If so – the telehealth visits often need technology set up on computers or phones, and walking through the steps now instead of during the appointment can be advantageous.
Access to Loved Ones
Technology is our friend. We may not live with our top-ten people, or even have another person in our home, but phone and video chat have given us the opportunity to access our loved-ones lives in their homes.
If you do need to go to the hospital, a loved one may not permitted to accompany you into the triage area. Your next of kin or preferred person may be high risk and it may not be safe for their health, to come with you. If you need to stay in the hospital, whether for a birth of a child, broken bone, or in the ICU – your loved ones will not be able to stay or visit. These are challenges that are new to all of us. Health care teams are working to help you connect to your loved ones through ipads and phone conversations.
Action – Have a list of people with their phone numbers and consider who would be able to come with you to the doctor office or hospital that is not high-risk.
As you start putting your new “pandemic” documents and plan together consider using InsureYouKnow.org – an online information-safe, as a place to store them. This product gives you the ability to access documents, and files remotely – or from the comforts of your own home. There are various levels of access to allow your family members, caregivers or business associates insight into your documents – as needed. There is even a trusty reminder feature to help you remember that it’s time to update.
Who are you? Whether verbally or in written form – Many of us respond to our given first name, family last name or nickname. Over the years – governments, institutions and communities have desired proof of identity: usually in a card form. Children have library cards, and student IDs, adults have state-issued ID cards or licenses, and pets need to be registered as of 1994, the Domestic Animals Act.
In 2005 the US government announced that they want everyone to have standardized identification for federal access – and to fly. Called the Real ID, it is an attempt to have common guidelines nationwide since ID cards have been state issued and have varying documentation. The Real ID cards and licenses will be identifiable by the star. The process of encouraging Americans to update their ID cards has involved state-supported marketing via websites, videos, tv and radio ads, and paper mail – and news media does not believe that everyone will be carrying the necessary ID card in October 2020. As the October deadline approaches, expect the communication to increase.
Though the Real ID is the current identification to be highlighted in the United States – there are international forms of identification including:
Passport. Proves your identity overseas. Since these are standardized by country, those that travel frequently may have several of the books. Each country has limitations on the number of years individuals can have a passport expires, and that allows for governments to update information such as name, location and pictures.
Social security card. In November 1936, the first round of social security numbers were issued in the United States. In conjunction with the post office, the social security cards gave identification to people living in geographic areas. This is a way to identify tax collections and subsequently benefits to be paid out. As individuals begin working – and the social security number is a requirement for paperwork – the 10-digit number commits to memory. Social security cards are required to verify identity for work and federal purposes in America, though internationally – alternative numbers are cards are used for similar purposes.
Birth certificate. A birth certificate shows the date, location and parents to which you were birthed. An international form of identification – essentially a proof that you were born. For those born outside the United States, these can be harder to obtain – but for US citizens an application at the state you were born is a seamless process via the Office of Vital Records
Identification methods surpass country or government policies. Whether we look to the future with facial recognition technology, or the past with fingerprinting, the need to know “who you are” is an essential part of life. Store copies of your identification on InsureYouKnow.org. As a safe place to store all the information in case you need to access it remotely – or from the comforts of your own home. While it may not help you at the airport, they will be the elements you need to apply for your Real ID before the October 2020 deadline.
The English language is such that for every rule, there is an exception or a way to break the rule and still be understood. Childhood rhymes or mnemonics are created to help memorize the rules: “i before e except when c…. “ (friend vs. receive),the letter “q” is always followed by “u” (queen, quilt), except for 78 words that came to English from other languages like Qatar and qi. Other confusions include words that are spelled the same, pronounced the same but have different meanings based on context. Examples – orange and orange, wave and wave, bat and bat. The name for this is a homograph.
A homograph that is particularly relatable to my work is the word trust. Trust can be used as verb or noun and the definitions are: 1. Trust – to have faith/confidence in truth, and 2. trust – a legal arrangement usually due to money. Interestingly you cannot have a legal trust, without having trust.
There are many layers in the formation of a trust:
Trust the process. You are not the first person to create a trust – and there are friends, family and google to help you through. There are step by step guidelines to be followed and they vary by state. In order for your trust to be a legal agreement, it needs to follow the checkboxes. These include taking stock of your assets (read my blog post on this step) and thinking about the people in your life that would be included, excluded and notified about your trust. To hold your hand and walk you through the process – an advisor can be the first formal step.
Trust the advisor. Find someone you like and that you feel like you can relate to. How do they organize the meeting? Where do you meet and what is their demeanor, and the personalities of the team? We all have preconceived expectations about what we want, and we are investing our energy, money and intimate details with the advisor. The advisors have varying expertise and may be able to assist with other to-do items as well as the trust.
Trust yourself. It is easy to second-guess or be unsure of your decisions and choices as you put together the documentation. This is a legal document and though the steps can be completed in a few days or weeks, the peace of mind when this is done right will last your lifetime. Trust yourself to complete the tasks and create a trust is yours. You can be guided by the process, standards and the advisor but ultimately this is your trust and can be notarized and funded on your timeline and comfort level.
Trust InsureYouKnow.org. It’s a safe place to store all the information in case you need to access it remotely – or from the comforts of your own home. The documents are password protected and utilize Amazon cloud encryption to secure and protect each password encrypted account. Your password is not known to the site. Only you, or someone you share the password with, can ever access your account.
Regaining trust – whether it is the confidence or the legal agreement kind – takes work and immense heartache, so getting things right the first time is advantageous to your mental, physical and financial health.
The idiom – Hindsight is 20/20 – originated in the early 1900s as a way to “describe the fact that it is easy for one to be knowledgeable about an event after it has happened.” We have a New Year’s Day every year, and with that comes the endless resolutions and promises to make changes in our lives. Birthdays are another reflection time. We are fifteen days into the year 2020 and perhaps making the tweaks now can help the resolutions to be successful.
In our lives we have plenty of ways to be resourceful and organized, yet we all fail to cover all the areas. Some of us thrive at organization in the workplace, but have a stack of papers at our home. Others have a knack for fitting in workouts, but are unable to connect with family and friends. Then when a crisis or need happens – we become frantic and anxiety creeps in.
Making those appointments to have 20/20 in 2020.
- Physical Health Appointments. There is not a one-size fits all doctor for our physical health needs. And in 2020 – we have choices. Where do you want to go – a family practice or a larger organization with multiple providers? Do you have a preference in the type of philosophy they have? The Primary Care physician is the doctor that can hold all your records, but they cannot assist with everything. Dentists, Chiropractors, Optometrists, and the numerous specialists for every ailment exist – but making the appointment, preparing questions for the provider, and actually showing up are achievements. According to a 2016 study, the average yearly no-show rate for primary care and specialty medical appointments is just under 20 percent! Post-appointment, request a copy of your records so you can review the action items.
- Financial Health Appointments. We may receive paper statements in the mail about our accounts, investments and paperwork for tax purposes. Many of these can be converted to online-statements which save the environment and clutter the email box versus the kitchen counter. Consumer Action, revealed that depending on the account category, 45-74 percent of respondents said that they choose paper over electronic notifications for insurance, utilities, medical, mortgages, credit cards and property taxes. Whichever method you select – are you clear about what is happening in your financial health. Are the accounts and investments working towards your 2020 goals? Making an appointment with a financial advisor, stopping into the branch to meet with the banking specialist, or connecting with a resource provided by your workplace will help you review your health in this area.
- Mental Health Appointments. The most common responses to “How are you?” are “Good” “Fine” “Okay” but when we dig deeper there are areas of unrest in our lives. Mental wellness doesn’t have to mean seeing a counselor or therapist. Setting aside time, or making an appointment to do something that “brings you joy” can prevent the need to see a therapist. And if you do need a specialist: phone counseling, online chat, individual, group therapy and medications are available to meet your needs.
- Spiritual Health Appointments. The National Center for Biotechnology Information states that “spiritual health creates a balance between physical, psychological and social aspects of human life” Finding the area or time to create the balance in life is challenging, but the label of religion or spiritual does not need to hinder the opportunity to fulfill this need.
Your calendar will be full from all the preparations and appointments, but your world and your significant others will see a drastic difference in who you are in the year 2020. Resolve to make an appointment this quarter with a provider in each category. After the appointments, consider uploading all your receipts, reports, documents, and memories onto InsureYouKnow.org. It’s a safe place to store all the information in case you need to access it remotely – or from the comforts of your own home. You will have 20/20 vision instead of hindsight.
How was your holiday period? Did you get a chance to breathe, reflect, and realize the end of the 2019? For some the span of a year can see growth – the accumulation of education, the addition of spouses, and the birth of children; for others it’s a period of shrinking – downsizing of homes, challenges in health, and the death of siblings. The majority of people have a bit of both – the twelve months in a year gives plenty of opportunity for planned and surprise change.
With the addition of technology leading to increased communication and access to the world events – we are aware of not only our own ups and downs, but those of our community, country and world. In mid-2019 – research estimated that 23 billion text messages are sent each day worldwide – and the majority of them are read within the first 3 minutes of being received. (techinjury.net) The Journal of Accountancy says that “The average American checks her phone 47 times a day.” This means we are hyper aware of activities – but are we retaining any of these changes?
Here are some of the highlights of the 1919s and 2019s – which ones were easier to remember…
The 1919s of the Past. This was the period post WW1 which occurred from 1914-1918 and was the first major war affecting multiple countries. As with major conflict – there was loss of routine, possessions and people. In 1919 – the post-war negotiations and development led to the creation of the League of Nations – which is now the United Nations. The Dutch airline KLM was created – and is still in existence today, and services 145 destinations.
In America – The US President was Woodrow Wilson who suffered a stroke – leaving the President with less mental and physical capacity for the remainder of his term. Despite the President’s veto – the Volstead Act established Prohibition. The 1919s ended with the Seattle Strike where the whole city stopped for 5 days as unionized workers advocated for change.
The 2019s of the Present. This could also be labeled as a period of volatility. From Hong Kong protests against the bill with mainland China, and the climate changes with the polar vortex and wildfires in multiple countries. The volatile stock market reflects the multiple changes in technology innovation and government clashes.
In America – Gun violence increasing with 423 mass shootings of 2019. Gun Laws changed to permit open carry – allowing guns in schools in some states – to provide protection. The 2019s ended with the Congress impeachment of the US President for abuse of power and obstruction of Congress due to bribery and wire fraud. This means that the US government has many changes to come.
What are the 2119 historical or memorable moments going to entail? Will they continue to range between conflicts and innovation, health and mistrust? Will we have stability or continue to cause emotional ripples through communities and counties?
2020 is the start of a new decade – and upon taking a breath to reflect and realize – there could be a plethora of items and thoughts that could be stored in InsureYouKnow.org. The product offers a safe place to store all the information in case you need to access it immediately, remotely – or in the next decade
There was a time when Spring, Summer, Fall or Autumn, and Winter meant something. When there was anticipation for the new season to begin – the atmosphere, air, environment and weather gave us clues that change was coming. Now we hear that Fall is coming, we see the days on the calendar getting closer to the Fall months, we see the signs and promotions in the stores, the Pumpkin flavored beverages are available – but it doesn’t feel like Fall. For those of us living in the northern hemisphere – it’s not easy to know when Summer ends at and Fall begins – it creeps upon us until the day that we need to leave the home with a jacket and we exchange the shorts for long pants.
When we read definitions – the division of the seasons is defined as:
- Spring runs from March 1 to May 31;
- Summer runs from June 1 to August 31;
- Fall (autumn) runs from September 1 to November 30; and.
- Winter runs from December 1 to February 28 (February 29 in a leap year).
For those of us in Texas, there’s hot and there’s heat-advisory hot and we are in October and thought of a jacket hasn’t even crossed our mind. Fall may begin in November and last thru January; Winter may be for 6 weeks – February thru mid-March. For those in the Canadian states, there’s winter and not-quite winter. Jackets are a necessity for the majority of the months. The definitions doesn’t apply for us. But there are some traditions that despite the atmosphere, environment and weather, we continue to embrace such as the Pumpkin Spice Latte (and the other drinks on the secret Starbucks menu), falling leaves and boots.
All joking aside though, in North America – we have also added some seasons to the traditional 4 – Hurricane Season, Wildfire Season, Flood season, Mudslide season, Tornado season. Many of these overlap and occur in different parts of the country.
– Hurricane season is split by geography. “The Atlantic hurricane season runs from June 1st to November 30th, and the Eastern Pacific hurricane season runs from May 15th to November 30th” This is about 6 months of the year.
– Wildfire season in the Western United States – such as California – which can last up to 7 months of the year.
– Flood season – varies across the country and can be throughout the year. In early Spring there is flooding in the northern United States as the snow melts from the Winter months. In Summer and Fall – tropical storms cause flooding in the Southern/Coastal states. Flash flooding can occur during any season.
– Mudslide season is another season that impacts the Californians. Usually post wildfire, or after storms, the mudslides cause multiple casualties and destruction due to the quick, unpredictable timeline. In 2018, the news was focused on the Southern California mudslides.
The world is changing, our environment and weather is changing. But there are ways to keep the memories and documents safe and consistent. Insureyouknow has a tool to uncomplicate life – that is available in any season. It that can be utilized to digitally store all the information in case you need to access it remotely – or from the comforts of your own home. Whether it’s too cold outside to access your safe-deposit box, or too hot to venture into the garage – an insureyouknow subscription will allow you remember the seasons past.
Until next time – Here’s a song from the Netflix studio about the standard seasons – a jingle to keep in your head as you wonder where the seasons are.