NLIC.org

Anna Said:

Should someone have explained 'Letter of Credible Coverage' to Pres Obama before he used a Cancer patient as?

We Answered:

Maybe someone should explain it to her since she's gonna be stuck with the bill if she doesn't show the certificate. Ouch.

Dwayne Said:

The DWP are keeping it vey quiet but do you know this?

We Answered:

This has been standard Practice in many States for decades, this is now being enacted Nationwide.

This type of payout was for My State when i was laid off in 2002.

Joyce Said:

Where can I find an example of a good cover letter?

We Answered:

download resume maker professional via torrenz
then look through their CVs

Charlene Said:

did you know about this? I bet not but please read it if you have to be on benefits, you need to know.?

We Answered:

when people have worked and paid tax they have contributed to the provision of these benefits. so when they are a situation of having to rely on them when they find themselves out of work its perfectly reasonable to be angry that they find themselves in this situation. the Government doesnt provide benefits out of the goodness of its heart (as if!). they are provided by people who pay tax because this is a democracy and it was decided that people who cannot work still need to be supported in some way. so for the Government to mess about with this support in this way just stinks. people on benefits struggle to plan ahead because few of them are well enough off to put money aside. these changes create a situation where people will still have the same outgoings but will have deductions from their usual small income for a period of time. as far as i can see, there is potential for a lot of people to get into further debt in order to cover their essential bills. aside from anything else, a letter four weeks in advance of changes is far from being enough time for people to budget adequately so there is no excuse for failing to raise awareness about this. its totally ridiculous.
incidentally, we are all well aware that there are many people who play the system and manage to have quite a nice income on benefits. the point here is that those who are genuine and struggle with a small income will be in a very difficult position & I think its important to keep that in mind. a lot of peoples response to this will be to shrug it off with the attitude that people should get off their as*es & get a job. i think we should be aware of the fact that there are also many people on benefits who would much rather be working.

Billie Said:

Anyone had SPECT imaging brain scan for ADHD Bipolar Depression etc, like Amen Clinics &did insurance cover?

We Answered:

I first read about SPECT scans while reading a document on it in my psychiatrist waiting room in 2005. I immediately asked my GP to send a demand for me to get one...and after a long waiting list, I finally had mine done in 2006.

The results came back stating that there was a reduction of activity in my frontal left lobe and in my anterior and posterior gyrus (numerous convex folds or ridges of the surface of the brain)...basicaly: areas pertinent to normal brain activities. These situation can be found in poeple suffering from either: unipolar depression, certain bipolar illneses (in a depressive stage), and/or chronic fatigue syndrome.

The reason I'm sharring this personnal information with you is that, the results will show anormalities but won't give a precise diagnostic. Some psychiatrist do not believe in their effeciency (because they say that any traumatic event will affect the brains functions) and therefore, some insurance compagny do not recognise the procedure as proof.

I personnaly wanted to have the SPECT scan done for me...( because I was tierd of people saying that there was no "proof", and that I was just making excuses for my fluctuating behavior). The results gave me "physical" proof that my brain was indead functioning in different ways then most people and made me realise I didn't have to doubt myself anymore (or put up with others comments). I am above average intelligence and would never have guessed that my brain activities were reduced. But it just goes to show how some things can be harder for me to grasp, while others don't have to work as hard on it.

Some good did come out of it after all, because psychiatrists finaly realised I had bipolar type 2 (with more depressive episodes and a toutch of hypomania), and therefore I was finaly treated with the right medication. I have still yet to find the good combination of medication for me but, I now know that I'm on the rigth track. Also, I now do not feel the need to defend myself when others doubt that I am bipolar. The scan reasured me and helped me get on the recovery track faster (by accepting my condition).

Insurance wise though I may not be of any help to you, because where I live, my health procedures are covered. My disability claim is still "under investigation", but the SPECT scan proves very clearly that I do have a condition.

I hope that sharing my personal experience helped you in any way.
Good luck ;)