What’s Wrong with Obama’s Health Care Bill? Plenty!

For some reason, hundreds of people have been checking out this entry from last August, which deals with the old bill before it was redone. The latest information from today is:

March 24, 2010 at 4:47 pm

From my congressman:

I voted against the Patient Protection and Affordable Care Act (H.R. 3590) for many reasons, especially because it is far too complex and expensive. I believe that we can develop a better, more workable solution for health care. President Obama signed this legislation into law yesterday, March 23.

However, as you may have heard, there is bipartisan agreement that this new law is flawed. In fact, also on Sunday, the House considered a second bill to make changes to it. This second bill, the Health Care and Education Reconciliation Act (H.R. 4872), would make a number of changes to the health bill that is now law. The Senate still needs to vote on this second, “fix-it” bill.

In tandem, this newly enacted law and the second, fix-it bill raise taxes on Americans by over $569 billion, create harsh penalties for businesses that cannot afford health care for employees, and do not prohibit taxpayer funds from being used for abortions. Also, this new law and the second bill include many new health insurance requirements that will increase costs, doing nearly nothing to control the long-term spiral of ever-increasing health care costs.

In addition, the closed-door tactics of writing this legislation with virtually no Republican input, and some very questionable parliamentary tactics used in the process to pass it, are extremely disappointing to me. We could do much better if we all worked together to produce the best possible health care insurance legislation at the lowest possible cost.

Sincerely,

Vernon J. Ehlers
Member of Congress

How Will the Health Bill Affect Us?

March 24, 2010 · Kathryn W. Armstrong

Let’s make some logical deductions from the facts:

1.  If  you are a tax payer, you will end up paying more taxes. Despite the government’s penchant for the rhetoric of “fees” instead of taxes, our government only has one means for raising money: taxing the citizens. None of our politicians sell books or provide free services to raise money for “the cause.” The trillions of dollars for the health care reform, and the countless billions more in interest—if it doesn’t prove to be the 2X4 that breaks the back of the U.S. economy altogether—will have to come from somewhere, and that somewhere isn’t thin air…it’s out of our pockets. That’s all we’ve got, folks. There ain’t nothin’ else, no matter what anybody tries to tell us.

2.  If your health care is already being assisted by the government in any way—be it Medicare, Medicaid, or whatever—that assistance is going to be diminished. Why do I say that? Because you can’t add 32,000,000 people who need help on to an existing program without a huge amount of sharing, with the “haves” needing to give up part of what they have to provide for the “have nots.” I am not saying this is wrong. Christ tells us to “love your neighbor as yourself.” If we’d all been doing that, there wouldn’t be a need for health reform. But, when charity becomes government business instead of personal business, we suddenly find that our neighborhood goes beyond those we know personally, voluntary sharing in love becomes mandatory taxation, and that we may be forced to give up the medical care we expected in order to help those who may be deemed in more critical need or more worthy of care by reason of younger age or whatever (unless they’re helpless babes in the womb; sadly, the government won’t help them)!

3.  Being forced to sign up for health insurance and pay for it will be a financial burden to those who do not have it at present. Logically, if people could afford to pay for health insurance, they would be doing so. Where will people come up with the extra cash to buy health insurance if they can’t afford it in the first place? Are we really going to prosecute people if they don’t get health insurance? Send them to jail? Where’s the wisdom and justice in that one? Unless the 32 million people are given free health care, then I don’t think forcing them to buy insurance is truly a benefit to them. My husband works at a hospital where even penniless patients can come in and get emergency care free as needed. (Granted, he works at a Christian, non-profit hospital, but I’m hoping that might be true at other hospitals??) Wouldn’t it be better for poverty-stricken individuals to get free emergency care as needed rather than to have to pay for care that they may or may not need along with all their other struggles?

4. The burden of so many more people in the health care system will necessarily diminish access to excellent service in a timely way. It will take years  to gear up medical schools to train enough physicians to meet the additional needs and many more years before there are enough seasoned physicians who are able to service the greater population. In the meantime, there will be tremendous pressure on the existing medical staff. Doctors and other medical personnel  will have to work even harder (if that’s possible…my physician husband is already pushing the limits of his endurance) and be less available to each individual patient as he tries to meet the needs of a spiraling population base.

5.  Eventually, hopefully, things will settle out, and in another 50 years, after the Baby Boomers have all passed on to their eternal homes, our population may stabilize and learn to accommodate the basic medical needs of all of “We, the people of the United States.” High-end care will become almost a thing of the past, fewer  brilliant, aspiring students will become doctors because the pay will be less and the hours horrendous, and America will cease being a medical mecca that draws in some of the most creative and energetic students from around the world. Health care will become part of the great, gray middle zone, but at least most everyone will have a crack at basic care, and that is certainly laudable.

This isn’t a very vibrant forecast, but I believe it’s an honest one. For those of us left holding the bag—and that’s all of us who pay taxes—I would encourage us to try to look on the bright side of what seems like a potential disaster. Helping those in need is a good thing. Breaking the backs of the working class is not. Let’s continue to pray for those who are making decisions and trying to sort out “all this mess!” May we continue to try on a personal basis to create beauty from chaos and offer good will and kindness to others as we can. May God’s promise hold true: “All things work together for good to those who love God, to those who are the called according to His purpose” (Romans 8:28). Are you one of the “called” of God? The Bible says that God is calling everyone! I hope we all answer. :)

“For God so loved the world, that he gave his only begotten Son, that whosoever believes on him will not perish but have everlasting life” (John 3:16)

What’s Wrong with Obama’s Health Care Bill? Let Me Tell You…

March 19, 2010 ·

Here is a letter I sent to Senator Bayh.. Feel free to  copy it and send it around to all other  representatives. — Stephen  Fraser

(Note: Dr. Stephen E. Frazer, MD practices as an anesthesiologist in Indianapolis, IN ) .

Senator  Bayh,

As a practicing  physician I have major concerns with the health  care bill before Congress. I actually have read  the bill and am shocked by the brazenness of the  government’s proposed involvement in the  patient-physician relationship. The very idea  that the government will dictate and ration  patient care is dangerous and certainly not  helpful in designing a health care system that  works for all. Every physician I work with  agrees that we need to fix our health care  system, but the proposed bills currently making  their way through congress will be a disaster if  passed.

I ask you  respectfully and as a patriotic American to look  at the following troubling lines that I have  read in the bill. You cannot possibly believe  that these proposals are in the best interests  of the country and our fellow  citizens.

Page 22  of the HC Bill:  Mandates that the Govt  will audit books of all employers that  self-insure!!
Page 30 Sec 123  of HC bill:   THERE WILL BE A GOVT  COMMITTEE that decides what treatments/benefits  you get.
Page 29 lines 4-16 in  the HC bill: YOUR HEALTH CARE IS  RATIONED!!!
Page 42 of HC  Bill:  The Health Choices Commissioner  will choose your HC benefits for you. You have  no choice!
Page 50 Section 152  in HC bill: HC will be provided to ALL  non-US citizens, illegal or  otherwise.
Page  58 HC Bill:  Govt will have real-time  access to individuals’ finances & a  ’National ID Health card’ will be  issued! (Papers  please!)
Page  59 HC Bill lines 21-24:  Govt will have  direct access to your bank accounts for elective  funds transfer. (Time  for more cash and carry)
Page 65  Sec 164: Is a payoff subsidized plan for  retirees and their families in unions &  community organizations:  (ACORN).
Page 84 Sec 203 HC  bill: Govt mandates ALL benefit packages  for private HC plans in the  ’Exchange.’
Page 85 Line  7 HC Bill:  Specifications of Benefit  Levels for Plans The Govt  will ration your health  care!
Page 91 Lines 4-7  HC Bill: Govt mandates linguistic  appropriate services.  (Translation:  illegal aliens.)
Page 95  HC Bill Lines 8-18: The Govt will use  groups (i.e. ACORN & Americorps to sign up  individuals for Govt HC  plan.
Page 85 Line 7 HC  Bill: Specifications of Benefit Levels  for Plans. (AARP members – your health care WILL  be rationed!)
Page 102  Lines 12-18 HC Bill:  Medicaid eligible  individuals will be automatically enrolled in  Medicaid.  (No choice.)
Page  124 lines 24-25 HC: No company can sue  GOVT on price fixing. No “judicial review”  against Govt monopoly.
Page 127  Lines 1-16 HC Bill: Doctors/ American  Medical Association – The Govt will tell YOU  what salary you can make.
Page  145 Line 15-17: An Employer MUST  auto-enroll employees into public option  plan. (NO choice!)
Page  126 Lines 22-25: Employers MUST pay for  HC for part-time employees ANDtheir  families.  (Employees shouldn’t get excited  about this as employers will be forced to reduce  its work force, benefits, and wages/salaries to  cover such a huge  expense.)
Page 149 Lines  16-24: ANY Employer with payroll 401k  & above who does not provide public option  will pay 8% tax on all payroll!  (See the  last comment in  parenthesis.)
Page 150  Lines 9-13: A business with payroll  between $251K & $401K who doesn’t provide  public option will pay 2-6% tax on all  payroll.
Page 167 Lines  18-23: ANY individual who doesn’t have  acceptable HC according to Govt will be taxed  2.5% of income.
Page 170 Lines  1-3 HC Bill: Any NONRESIDENT Alien is  exempt from individual taxes.  (Americans will pay.) (Like  always)
Page  195 HC Bill: Officers & employees of  the GOVT HC Admin..  will have access to ALL Americans’ finances and  personal records. (I guess  so they can ‘deduct’ their  fees)
Page 203  Line 14-15 HC: “The tax imposed under  this section shall not be treated as tax.”   (Yes, it really says  that!) ( a  ’fee’ instead)
Page 239  Line 14-24 HC Bill: Govt will reduce  physician services for Medicaid Seniors.   (Low-income and the poor are  affected)
Page 241  Line 6-8 HC Bill: Doctors: It doesn’t  matter what specialty you have trained yourself  in — you will all be paid the same! (Just TRY  to tell me that’s not  Socialism!)
Page 253 Line  10-18: The Govt sets the value of a  doctor’s time, profession, judgment, etc.   (Literally– the value of  humans.) Page 265 Sec 1131:  The Govt mandates and controls productivity for  ”private” HC industries.
Page  268 Sec 1141: The federal Govt regulates the  rental and purchase of power driven  wheelchairs.
Page 272 SEC.  1145: TREATMENT OF CERTAIN CANCER HOSPITALS –  Cancer patients – welcome to  rationing!
Page 280 Sec 1151:  The Govt will penalize hospitals for whatever  the Govt deems preventable  (i.e…re-admissions). Page 298 Lines  9-11: Doctors: If you treat a patient during  initial admission that results in a re-admission  – the Govt will penalize  you.
Page 317 L 13-20:  PROHIBITION on ownership/investment. (The Govt  tells doctors what and how much they can  own!)
Page 317-318 lines  21-25, 1-3: PROHIBITION on expansion.  (The  Govt is mandating that hospitals cannot  expand.)
Page 321 2-13: Hospitals have the opportunity to apply  for exception BUT community input is required.   (Can you say  ACORN?)
Page 335 L 16-25 Pg  336-339: The Govt mandates establishment of=2  outcome-based measures. (HC the way they want —  rationing.)
Page 341 Lines 3-9: The Govt has authority to disqualify  Medicare Advance Plans, HMOs, etc.   (Forcing people into the Govt  plan)
Page 354 Sec 1177: The  Govt will RESTRICT enrollment of ’special needs  people!’    Unbelievable!
Page  379 Sec 1191: The Govt creates more bureaucracy  via a “Tele-Health Advisory Committee.”   (Can you say HC by  phone?)
Page 425 Lines 4-12:  The Govt mandates “Advance-Care Planning  Consult.”  (Think senior citizens  end-of-life patients.)
Page  425 Lines 17-19: The Govt will instruct and  consult regarding living wills, durable powers  of attorney, etc.  (And  it’s mandatory!)
Page 425 Lines 22-25, 426 Lines 1-3: The Govt provides an  ”approved” list of end-of-life resources;  guiding you in death. (Also called ‘assisted  suicide.’)(Sounds  like Soylent Green to  me.)
Page  427 Lines 15-24: The Govt mandates a program for  orders on “end-of-life.”  (The Govt has a  say in how your life  ends!)
Page 429 Lines 1-9: An  ”advanced-care planning consultant” will be used  frequently as a patient’s health  deteriorates.
Page 429 Lines  10-12: An “advanced care consultation” may  include an ORDER for end-of-life plans..   (AN ORDER TO DIE FROM THE  GOVERNMENT?!?)
Page 429 Lines 13-25: The GOVT will specify which doctors  can write an end-of-life order..  (I  wouldn’t want to stand before God after getting  paid for THAT job!)
Page 430 Lines 11-15: The Govt will decide what level of  treatment you will have at end –   of-life!   (Again — no  choice!)
Page 469:  Community-Based Home Medical Services =  Non-Profit Organizations.  (Hello?   ACORN Medical Services  here!?!)
Page 489 Sec 1308:  The Govt will cover marriage and family therapy.   (Which means Govt will insert itself into  your marriage even.)
Page  494-498: Govt will cover Mental Health Services  including defining, creating, and rationing  those services.

Senator,  I guarantee that I personally will do everything  possible to inform patients and my fellow  physicians about the dangers of the proposed  bills you and your colleagues are  debating.

Furthermore,  if you vote for a bill that enforces socialized  medicine on the country and destroys the  doctor-patient relationship, I will  do everything in my power to  make sure you lose your job in the next  election.

Respectfully,

Stephen  E. Fraser, MD

Much of the following information, which was from my original posting, is now somewhat irrelevant:

Congress needs to be reminded that the Constitution provides all Americans the RIGHT to LIFE, LIBERTY and the PURSUIT of HAPPINESS.  ANY Bill that cuts an American life short by even 10 seconds, is unconstitutional, period!!!!

DEADLY DOCTORS

OBAMA ADVISERS WANT TO RATION CARE

By BETSY MCCAUGHEY

Emanuel: Believes in withholding care from elderly for greater good.

Obama’s doctor, Emanuel: Believes in withholding care from elderly for greater good.

THE health bills coming out of Congress would put the decisions about your care in the hands of presidential appointees. They’d decide what plans cover, how much leeway your doctor will have and what seniors get under Medicare.

Yet at least two of President Obama’s top health advisers should never be trusted with that power.

Start with Dr. Ezekiel Emanuel, the brother of White House Chief of Staff Rahm Emanuel. He has already been appointed to two key positions: health-policy adviser at the Office of Management and Budget and a member of Federal Council on Comparative Effectiveness Research.

Emanuel bluntly admits that the cuts will not be pain-free. “Vague promises of savings from cutting waste, enhancing prevention and wellness, installing electronic medical records and improving quality are merely ‘lipstick’ cost control, more for show and public relations than for true change,” he wrote last year (Health Affairs Feb. 27, 2008).

Savings, he writes, will require changing how doctors think about their patients: Doctors take the Hippocratic Oath too seriously, “as an imperative to do everything for the patient regardless of the cost or effects on others” (Journal of the American Medical Association, June 18, 2008).

Yes, that’s what patients want their doctors to do. But Emanuel wants doctors to look beyond the needs of their patients and consider social justice, such as whether the money could be better spent on somebody else.

Many doctors are horrified by this notion; they’ll tell you that a doctor’s job is to achieve social justice one patient at a time.

Emanuel, however, believes that “communitarianism” should guide decisions on who gets care. He says medical care should be reserved for the non-disabled, not given to those “who are irreversibly prevented from being or becoming participating citizens . . . An obvious example is not guaranteeing health services to patients with dementia” (Hastings Center Report, Nov.-Dec. ’96).

Translation: Don’t give much care to a grandmother with Parkinson’s or a child with cerebral palsy.

He explicitly defends discrimination against older patients: “Unlike allocation by sex or race, allocation by age is not invidious discrimination; every person lives through different life stages rather than being a single age. Even if 25-year-olds receive priority over 65-year-olds, everyone who is 65 years now was previously 25 years” (Lancet, Jan. 31).

The bills being rushed through Congress will be paid for largely by a $500 billion-plus cut in Medicare over 10 years. Knowing how unpopular the cuts will be, the president’s budget director, Peter Orszag, urged Congress this week to delegate its own authority over Medicare to a new, presidentially-appointed bureaucracy that wouldn’t be accountable to the public.

Since Medicare was founded in 1965, seniors’ lives have been transformed by new medical treatments such as angioplasty, bypass surgery and hip and knee replacements. These innovations allow the elderly to lead active lives. But Emanuel criticizes Americans for being too “enamored with technology” and is determined to reduce access to it.

Dr. David Blumenthal, another key Obama adviser, agrees. He recommends slowing medical innovation to control health spending.

Blumenthal has long advocated government health-spending controls, though he concedes they’re “associated with longer waits” and “reduced availability of new and expensive treatments and devices” (New England Journal of Medicine, March 8, 2001). But he calls it “debatable” whether the timely care Americans get is worth the cost. (Ask a cancer patient, and you’ll get a different answer. Delay lowers your chances of survival.)

Obama appointed Blumenthal as national coordinator of health-information technology, a job that involves making sure doctors obey electronically delivered guidelines about what care the government deems appropriate and cost effective.

In the April 9 New England Journal of Medicine, Blumenthal predicted that many doctors would resist “embedded clinical decision support” — a euphemism for computers telling doctors what to do.

Americans need to know what the president’s health advisers have in mind for them. Emanuel sees even basic amenities as luxuries and says Americans expect too much: “Hospital rooms in the United States offer more privacy . . . physicians’ offices are typically more conveniently located and have parking nearby and more attractive waiting rooms” (JAMA, June 18, 2008).

No one has leveled with the public about these dangerous views. Nor have most people heard about the arm-twisting, Chicago-style tactics being used to force support. In a Nov. 16, 2008, Health Care Watch column, Emanuel explained how business should be done: “Every favor to a constituency should be linked to support for the health-care reform agenda. If the automakers want a bailout, then they and their suppliers have to agree to support and lobby for the administration’s health-reform effort.”

Do we want a “reform” that empowers people like this to decide for us?

Betsy McCaughey is founder of the Committee to Reduce Infection Deaths and a former New York lieutenant governor.

We need to come together and defeat Obama’s  Health Care Bill.. http://www.visi.com/juan/congress/index.html has all of the information you need.

8 thoughts on “What’s Wrong with Obama’s Health Care Bill? Plenty!

  1. Yes, it’s very sad and sobering, but not really surprising really. This is the end of socialism and humanism. Christians need to wake up and decide what they will do when the government starts killing off the elderly, the disabled, the helpless, all in the name of the greater good. Yes, we should write our elected officials on this (and I have several times), but we also need to recognize that this is where godless societies go. It is only a matter of time. Our easy, feel good Christianity had better man up and get ready to fight for the lives of the weak.

  2. Subject: If this is true , I want to Know why it is ??????????????

    SUBMITTED WITHOUT COMMENT…WRITTEN BY:

    Michael Connelly
    Retired attorney,
    Constitutional Law Instructor
    Carrollton , Texas

    ========================================

    Date: Wednesday, September 2, 2009, 12:38 PM

    The Truth About the Health Care Bills – Michael Connelly, Ret. Constitutional Attorney 0 8.24.09

    Well, I have done it! I have read the entire text of proposed House Bill
    3200: The Affordable Health Care Choices Act of 2009. I studied it with particular emphasis from my area of expertise, constitutional law. I was frankly concerned that parts of the proposed law that were being discussed might be unconstitutional. What I found was far worse than what I had heard or expected.
    To begin with, much of what has been said about the law and its implications is in fact true, despite what the Democrats and the media are saying. The law does provide for rationing of health care, particularly where senior citizens and other classes of citizens are involved, free health care for illegal immigrants, free abortion services, and probably forced participation in abortions by members of the medical profession.

    The Bill will also eventually force private insurance companies out of business and put everyone into a government run system. All decisions about personal health care will ultimately be made by federal bureaucrats and most of them will not be health care professionals. Hospital admissions, payments to physicians, and allocations of necessary medical devices will be strictly controlled.

    However, as scary as all of that it, it just scratches the surface. In fact, I have concluded that this legislation really has no intention of providing affordable health care choices. Instead it is a convenient cover for the most massive transfer of power to the Executive Branch of government that has ever occurred, or even been contemplated. If this law or a similar one is adopted, major portions of the Constitution of the United States will effectively have been destroyed.

    The first thing to go will be the masterfully crafted balance of power between the Executive, Legislative, and Judicial branches of the U.S. Government. The Congress will be transferring to the Obama Administration authority in a number of different areas over the lives of the American people and the businesses they own. The irony is that the Congress doesn’t have any authority to legislate in most of those areas to begin with. I defy anyone to read the text of the U.S. Constitution and find any authority granted to the members of Congress to regulate health care.

    This legislation also provides for access by the appointees of the Obama administration of all of your personal healthcare information, your personal financial information, and the information of your employer, physician, and hospital. All of this is a direct violation of the specific provisions of the 4th Amendment to the Constitution protecting against unreasonable searches and seizures. You can also forget about the right to privacy. That will have been legislated into oblivion regardless of what the 3rd and 4th Amendments may provide.

    If you decide not to have healthcare insurance or if you have private insurance that is not deemed “acceptable” to the “Health Choices Administrator” appointed by Obama there will be a tax imposed on you. It is called a “tax” instead of a fine because of the intent to avoid application of the due process clause of the 5th Amendment. However, that doesn’t work because since there is nothing in the law that allows you to contest or appeal the imposition of the tax, it is definitely depriving someone of property without the “due process of law.

    So, there are three of those pesky amendments that the far left hate so much out the original ten in the Bill of Rights that are effectively nullified by this law. It doesn’t stop there though. The 9th Amendment that provides: “The enumeration in the Constitution, of certain rights, shall not be construed to deny or disparage others retained by the people;” The 10th Amendment states: “The powers not delegated to the United States by the Constitution, nor prohibited by it to the States, are preserved to the States respectively, or to the people.” Under the provisions of this piece of Congressional handiwork neither the people nor the states are going to have any rights or powers at all in many areas that once were theirs to control.

    I could write many more pages about this legislation, but I think you get the idea. This is not about health care; it is about seizing power and limiting rights. Article 6 of the Constitution requires the members of both houses of Congress to “be bound by oath or affirmation” to support the Constitution. If I was a member of Congress I would not be able to vote for this legislation or anything like it without feeling I was violating that sacred oath or affirmation. If I voted for it anyway I would hope the American people would hold me accountable.

    For those who might doubt the nature of this threat I suggest they consult the source. Here is a link to the Constitution: http://www.archives.gov/exhibits/charters/constitution_transcript.html

    And another to the Bill of Rights: http://www.archives.gov/exhibits/charters/bill_of_rights_transcript.html

    There you can see exactly what we are about to have taken from us.

    Michael Connelly

    Retired attorney,
    Constitutional Law Instructor

    Carrollton , Texas

  3. I like how you post absolutely NO references to all of the “facts” you claim to be “true” about the health care bill. Please, if you are going to make these claims, and especially if the claims are that you read through the entire bill, POST A REFERENCE TO THE SECTION NUMBER AND LINE NUMBER of the said “fact”.

    Rather than quoting other people (without presenting a source, I might add), state the facts directly from the source WITH REFERENCE.

  4. Subject: does the CBO cost Estimate on health care reform include this factor ???

    With or without a Government Option in Health Care , will the cost of Health care premiums dramatically rise as the Baby Boomer generations rapidly start to pass on and this cost burden of dealing with the last years of life as the cost of health care increases in the last years of ones life on average , shift hard onto the Middle class taxpayer as more and more revenue flows are needed by proxy as profits shrink for insurers ?

    This is a doomsday scenario for the private insurance Companies , because of the age dynamics in US population as the elderly average age at the time of death becomes more and more concentrated and costs associated rise with this phenomena .

    With this cost compounding factor in the prilimnary stages why isn’t this in the Health care reform , for the Critically ill and Terminally ill , as a supplemental ???

    How life insurance pays — before you die .

    Video on MSN Money

    How life insurance pays — before you die

    http://articles.moneycentral.msn.com/Insurance/InsureYourLife/how-life-insurance-pays-before-you-die.aspx
    If you lose your health or your job, your life insurance may ride to the rescue. Here are 6 benefits you might not know you have (or might want to add to your policy).

    [Related content: life insurance, insurance companies, insurance, long term care, health care]
    By Insure.com
    Life insurance is usually straightforward: Pay your premiums and your beneficiaries get the benefit when you die. But life insurance also can be used in ways you may not expect:

    1. Life insurance could come to the rescue if you have a terminal illness.

    If you are diagnosed with a terminal illness, you may be able to tap into your policy benefits right away to help pay for medical bills or other immediate expenses. These “accelerated death benefits,” also called “living benefits,” may have been automatically included in your policy, or you may want to add them as a rider. Contact your insurance agent to see whether you have this option.

    2. You may be able to convert your term life or group life policy to a permanent life insurance policy.

    Most term life and group life policies allow you to convert your policy into an individual permanent life insurance policy, without undergoing an additional medical exam. (You’ll pay higher premiums for the permanent life policy.) This can be invaluable if you are diagnosed with a severe medical condition and you want to ensure continued life insurance coverage when your term policy runs out, or if you leave your job and lose your group life benefits.

    More from MSN Money and Insure.com

    Do you have the right amount of life insurance?
    Term life insurance basics
    How to file an insurance claim — and win
    How to find life insurance when you’re ‘uninsurable’
    Freaky things insurance might cover
    Evaluate your life insurance company

    3. You can use your permanent policy to rescue yourself from financial disaster.

    In a time of financial crisis when you need cash, you may think first of emptying your savings account, cashing in your stocks, taking out loans and even gutting your 401(k). Cash value that has built up within a permanent policy might be easily forgotten. Yet cash value’s purpose is to come to the rescue in these moments.

    The best ways to raise cash fast

    “Where else can you go to borrow money where there’s no collateral required and no proof of income needed?” says Jack Dewald, a life insurance agent and the board chairman of the Life and Health Insurance Foundation for Education. “Your life insurance policy can be a lifeline to you for cash and loans, especially in a down economic time. For example, you use cash value in life insurance before your house gets foreclosed.”

    A lifetime of life insurance
    Should you always have it? At what stages do you need it? How much?

    4. Your policy may pay for your long-term care.

    Many life insurance companies are inventing policies that can be used in a number of ways depending on your situation. Growing in popularity is the long-term-care rider, which you may have added at the time you bought your policy. (If you didn’t, see “No long-term-care insurance? Uh-oh.”) Long-term-care riders allow you to take immediate payouts to pay for your assisted-living facility or nursing home. Your death benefit is reduced by the amount you take out.

    Continued: If you can’t pay your premiums

  5. How can we Get a Conflict FREE health care Bill passed when both sides are in the Pay window , and to top this slap in the face to the American People these people get health care as a Benefit , and they still are on the take . Good Grief , I thought President Obama was going to clean up this Lobbyist / Fascism in Washington !!!!!!

    Health Services/HMOs: Top Recipients , How can we get a fair health care Bill drafted with these Conflicts of Interest running right over the American people ??????

    Health Services/HMOs: Top Recipients
    2010 2008 2006 2004 2002 2000 1998 1996 1994 1992 1990
    All Recipients Presidential Candidates Senators Members of the House Senate Candidates House Candidates All Members of Congress PAC Recipients
    Top 20 Senators
    http://www.opensecrets.org/industries/recips.php?Ind=H03&cycle=2010&recipdetail=S&Mem=Y&sortorder=U
    Rank Candidate Amount
    1 Schumer, Charles E (D-NY) $90,450
    2 Reid, Harry (D-NV) $76,250
    3 Grassley, Chuck (R-IA) $65,850
    4 Lincoln, Blanche (D-AR) $64,150
    5 Hatch, Orrin G (R-UT) $52,902
    6 Murray, Patty (D-WA) $34,500
    7 Wyden, Ron (D-OR) $33,600
    8 Stabenow, Debbie (D-MI) $30,450
    9 Burr, Richard (R-NC) $29,450
    10 Specter, Arlen (D-PA) $24,800
    11 Dodd, Chris (D-CT) $18,020
    12 Bennett, Robert F (R-UT) $17,750
    13 Clinton, Hillary (D-NY) $16,450
    14 Nelson, Bill (D-FL) $15,800
    15 Nelson, Ben (D-NE) $12,000
    16 Dorgan, Byron L (D-ND) $11,400
    17 Brown, Sherrod (D-OH) $10,500
    18 Baucus, Max (D-MT) $9,000
    18 Crapo, Mike (R-ID) $9,000
    20 Bayh, Evan (D-IN) $8,500

    METHODOLOGY: The numbers on this page are based on contributions from PACs and individuals giving $200 or more. All donations took place during the 2009-2010 election cycle and were released by the Federal Election Commission.

    Feel free to distribute or cite this material, but please credit the Center for Responsive Politics. For permission to reprint for commercial uses, such as textbooks, contact the Center.

    Health Services/HMOs: Top Recipients
    http://www.opensecrets.org/industries/recips.php?ind=H03&cycle=2010&recipdetail=H&mem=Y&sortorder=U
    2010 2008 2006 2004 2002 2000 1998 1996 1994 1992 1990
    All Recipients Presidential Candidates Senators Members of the House Senate Candidates House Candidates All Members of Congress PAC Recipients

    Top 20 Members of the House
    Rank Candidate Amount
    1 Meek, Kendrick B (D-FL) $58,550
    2 Kennedy, Patrick J (D-RI) $37,250
    3 Cantor, Eric (R-VA) $31,500
    4 Becerra, Xavier (D-CA) $27,900
    5 Waxman, Henry A (D-CA) $25,500
    6 Blunt, Roy (R-MO) $25,000
    7 Davis, Geoff (R-KY) $22,300
    8 Hoyer, Steny H (D-MD) $22,000
    9 Rangel, Charles B (D-NY) $21,600
    10 Camp, Dave (R-MI) $19,500
    11 Pelosi, Nancy (D-CA) $17,400
    12 Pallone, Frank Jr (D-NJ) $16,000
    13 Thompson, Mike (D-CA) $15,500
    14 Clyburn, James E (D-SC) $15,000
    15 Yarmuth, John A (D-KY) $14,900
    16 Matheson, Jim (D-UT) $14,000
    17 Crowley, Joseph (D-NY) $13,650
    18 Larson, John B (D-CT) $13,500
    19 Guthrie, Steven Brett (R-KY) $13,300
    20 Towns, Edolphus (D-NY) $12,500
    20 Pomeroy, Earl (D-ND) $12,500

    METHODOLOGY: The numbers on this page are based on contributions from PACs and individuals giving $200 or more. All donations took place during the 2009-2010 election cycle and were released by the Federal Election Commission.

    Feel free to distribute or cite this material, but please credit the Center for Responsive Politics. For permission to reprint for commercial uses, such as textbooks, contact the Center.

    NO WONDER they are Talking Nuclear Option !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! Where is the Outrage over this Fascism ??????????

  6. I live in a country with socialised health care and we dont experience any of the problems you listed, nor do i think any other counties with the same system does.
    Our doctors are happy and have good working conditions. Private citizens are free to pay for better healthcare if they so choose but for most everyone the goverment care play is sufficient.

    Im surprised at the harsh propaganda and lies you guys tell. The worst part is the sense of entitelment and egotism you guys display.

    Makes me sick.

  7. Dear Calle,

    Thanks for your input. What country do you live in? I am glad socialized medicine is working well for your country, because that gives me hope that it might turn out well here. I live close to Canada, and so what little I know personally of socialized medicine is mixed. I’ve had friends who’ve had to come to this country for care because they couldn’t get what they needed in Canada. On the other hand, I had one friend who moved back to Canada because that’s the only way he could afford to get the on-going psychiatric medications and help he needed. There are definitely two sides to the issue. One of the things that we have always tried to stay true to in this country is our constitution, and many of us believe that the new health care bill is in direct violation of the constitution. We are not a socialist government. You may feel that we are wrong in this, but we are what we are. It is not out of a sense of entitlement that we try to defend what we believe has thus far worked as the “American Dream” or “American Experiment” if you will. However, I (we) are at fault in any (every) way in which we’re egotistical, and I apologize for myself and for our country. May God help us to be humble and merciful as well as just.

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