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Is your health coverage through your job not enough for your needs? If this is a problem you're experiencing below is a simple guide to help you understand your maze of individual health care insurance options. If you had four workers who were self employed, one family with small children, and one friend who recently retired, how would their situations compare with respect to health insurance? They'd all probably like to have additional insurance beyond Alberta Healthcare, but they don't know where to start looking because individual health insurance isn't a popular topic in the news. Albertans tend to focus on the government health system, more so than private insurance; however, a large percentage of people have extended medical coverage through unions or their employer. When Albertans don't have coverage through work, another option is a group health insurance plan not based on employment, such as though automobile, professional and alumni associations.
A future challenge is that with baby boomers retiring and the rise of self-employed individuals, more Albertans will eventually put out of pocket for extras. Health Insurance in Alberta - What's Covered? Everyone in Alberta is covered for doctor's visits, hospital care, and diagnostic tests and these costs are covered largely by the taxes Albertans pay to the government. Health Insurance in Alberta - What's NOT Covered? These services are not covered: dentists, prescription drugs, private hospital rooms, eye exams, cosmetic surgery, psychologists, counsellors, physiotherapists, and tests required for driver's licences, insurance and immigration papers. Since these are expensive services, an individual health insurance plan is definitely a financial benefit. As we talked about in the beginning of the article the recently retired person can see about converting their employer-based health plan into individual insurance. The self-employed and contract workers might be able to deduct dental and health premiums from their income at tax time. Another more viable option would be to look into a Health Spending Account (HSA). An HSA is a benefit administered by Revenue Canada. It allows your business to reimburse you for out-of-pocket healthcare expenses. These reimbursements are 100% tax free and tax deductible for your company. The spending account can be used for a number of health services. The friend with a young family can look into a family individual health insurance plan in Alberta by speaking with an insurance broker. Unlike an employer based policy, the policyholder can decide what coverage to get: a basic plan, a plan with extended coverage or a mixture of both. If the family has health coverage through work, they have the option to top-up their plan with individual health insurance in Alberta. If you're looking for individual health insurance in Alberta we can help. For more information about this type of insurance or to discuss your needs, go to our website and speak with an insurance broker.
Community Bushfire Safety is accessible to practitioners, policy-makers, researchers and students. While the research reported has been undertaken in Australia, much of the material is generic and is likely to be relevant and useful to those dealing with community bushfire safety elsewhere in the world. From 7 February to 14 March, 2009, 173 people died, and 414 were injured as 4,500 square kilometres of the State of Victoria in Australia burned. Victoria, one of the smallest Australian States, is 237,629 square kilometres in size, about a third the size of Texas. As many as 400 fires occurred affecting 78 communities across Victoria. 7,562 people were displaced and over 11,000 livestock were consumed by the conflagrations. Over 1 million animals altogether perished, with many also being injured (many kangaroos and koalas that survived were given veterinary care as a result of their burns). Over 3,500 structures were totally destroyed, 2,030 of these were homes.
Many thousands of other buildings were damaged. Black Saturday was the 8th deadliest fire in recorded history. Black Saturday is conservatively estimated to have cost around 4.4 billion dollars in damage, not including agricultural losses. A week before the fires, an unprecedented heatwave hit Victoria. Record temperatures occurred (45.1 degrees Celsius/113.2 F on 30 January) during the heatwave. Conditions were remarkably dry as well as windy due to an approaching weather front. The fires started on a day when the highest temperatures since 1859 were recorded in Melbourne, the States capital. Victoria, like much of Australia at the time, had been in drought for an extended period. The next day saw winds of over 100 kilometres per hour coupled with extreme temperatures. Power-lines came down due to the winds. These extreme conditions meant that there was little firefighters could do to put out the fires. It is unknown what exactly started all of the fires, (lightening, felled power-lines or arson), but some of the fires were deliberately lit. A 39 year old man was arrested and charged with arson shortly after the fires.
His name was suppressed out of concern for his and his family's safety. He was not given bail and it was said that he was at risk from the other inmates in prison. A temporary morgue was set up in Melbourne with the State Coroner issuing a press release that it may be impossible to properly identify all of the human remains. A Royal Commission identified issues with building codes, fire policy and the locations of various townships. Bushfires: Webster's Timeline History, 1822 - 2007Webster's bibliographic and event-based timelines are comprehensive in scope, covering virtually all topics, geographic locations and people. They do so from a linguistic point of view, and in the case of this book, the focus is on "Bushfires," including when used in literature (e.g. all authors that might have Bushfires in their name). As such, this book represents the largest compilation of timeline events associated with Bushfires when it is used in proper noun form.
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