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Women’s Health

What Women Should Know Before Buying Life Insurance – Forbes Advisor INDIA

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Life insurance occupies an important place in the financial portfolio of every individual, especially since potential risks to human life have become much more visible and obvious in the last two years. While the purchase of life insurance solutions has shown promise during the pandemic, India still has a long way to go.

It is not news that life insurance penetration in India (estimated 3.2% in FY21) is lower than that of its global competitors. However, the data paints a bleak picture when you look at the adequacy of individuals’ life insurance. In addition, women make up a smaller proportion of life insurance buyers, even though they are now more gainfully employed.

The insurance regulator’s annual report for the 20 financial year shows that of the total premiums received in the financial year for the first year, women accounted for only 34%. In addition, almost a third of policies bought by women came from just three major states – Maharashtra (11.98%), Uttar Pradesh (9.87%) and West Bengal (10.60%).

This begs the question – why don’t women proactively buy life insurance? Although several factors can contribute, one important aspect remains the low level of awareness of the financial product. With a better understanding of the buying process comes higher empowerment and here is what you need to know.

Schedules are cheaper for women than men

According to several studies, women tend to live longer than men, so the premiums for temporary plans for women are usually comparatively lower. The drop in age also offers a cost advantage for women. Let’s learn what that means. Typically, the female mortality assumption is viewed as a three year setback to male mortality. This means that a woman of 35 years of age equates to a man of 32 years of age, making schedules cheaper and more attractive to them.

1. Housewives also need insurance

Given the gender roles that already exist, women usually take on many household chores. From housework to childcare, women perform these tasks, regardless of whether they are employed or housewives. Although women are not paid for these household chores, economic value is attributed to these chores. It is therefore vital that women purchase life insurance as their absence threatens to disrupt economic stability of households.

Some insurance solutions offer the option of extending insurance coverage to include the spouse in the event of the death of the policyholder. If you are a housewife, you can consider such insurance solutions along with your income spouse to make sure you are covered.

2. Common and individual goals

In a household with two incomes, the high earner prefers to purchase life insurance. But even if you are the low-paid in the household, the loss of an income can seriously affect the family’s common endeavors. It is therefore important that every woman actively participates in the family’s financial decisions and takes out life insurance for a secure future.

3. Take care of your healthcare costs:

Biologically and genetically, women are exposed to unique health problems and risks. In addition to other chronic diseases, this can also include diseases such as breast and cervical cancer. The different stages of pregnancy come with their own risks and costs that every woman or family must anticipate. While medicine and technology have come a long way in solving these risks, the cost of managing the expenses associated with critical illness can place us in a difficult position financially. Hence, it is important to make sure that your life insurance policy is comprehensive and covers you against such problems that could otherwise consume your savings significantly.

Is it enough to buy life insurance?

As the context of the world in which we move is rapidly changing, the question arises: Is it enough to take out life insurance to protect the dreams and longings of your loved ones? In India, men are still the main buyers of life insurance. However, women are a huge influence on this purchase, so there is one key factor they need to be aware of.

Consider this example – your family had to take out a personal loan to meet certain emergency requirements. Also, you already have a home loan that you are about to pay off. After examining your financial needs, the husband has taken out an INR 1 billion policy that will pass the financial benefits on to your family in the event of death. But what if your creditors use a large portion of these services to pay off your debts? Is Your Family Really Protected?

While logic dictates that if you bought life insurance you would have considered your existing debts, we have already learned that most Indians have insufficient coverage.

It is therefore important to find out about a legal regulation that ensures that the benefits of a married man’s life insurance reach the intended recipients. It’s called the Married Women Property Act (MWPA).

What is the Married Women’s Wealth Act (MWPA)?

When a married man takes out life insurance, his wife and children are usually the beneficiaries. After death, the cash benefits from life insurance can become disputed due to claims from relatives, in-laws, creditors, etc. Such unforeseen circumstances can jeopardize the goal of securing wives and children.

In such a scenario, MWPA can be useful. MWPA is a welfare law designed to ensure absolute ownership of the income, property, investments and savings of a married woman. In Section 6 of this Act it is expressly stated that if the husband takes out life insurance and names his wife and children as beneficiaries, the resulting benefits – be it death grants or any additional premiums – can only be claimed by the wife and children .

As married women, it is therefore important to be familiar with this law and to recommend that your spouse take out life insurance in accordance with this legal provision. When your spouse purchases a term plan under the MWPA, it becomes a trust and only the trustees assigned under the policy have access to its benefits. Simply put, it gives the woman and children complete and unquestioned control over life insurance. No other legal entity, including your relatives, creditors, etc., can make claims on it.

Therefore, every working husband, especially with existing debts or future debts, must opt ​​for term life insurance under the MWPA. There have been countless cases of disputes over property, especially money, in the past. Without explicit explanations, these conflicts drag on for several years. In such cases, life insurance under MWPA offers a clear and indisputable solution, at least as far as life insurance benefits are concerned.

Choosing MWPA insurance when purchasing life insurance is also pretty easy. If you are purchasing a term plan, the application form includes an option to purchase the policy under the MWPA. All you have to do is select the option. The beneficiaries named by you in the application form are protected under the MWPA (provided they are your wife and children).

Things to know about life insurance under the law on the assets of married women

Any married man residing in India can opt for such coverage and designate his wife and / or children as beneficiaries. After the nomination, the beneficiaries remain unchanged for the entire term of office. This means that in the event of your divorce, your current ex-wife and children will remain the beneficiaries of the policy and will receive death benefits after your death.

It is also important to designate more than one beneficiary when purchasing such life insurance. If your spouse dies before you do, it is crucial that the benefits of your life insurance are indisputably passed on to your children. Only your wife and children are protected by this provision and no other relatives, including parents, can fall under the aegis of the MWPA.

Another critical point is that once life insurance has been taken out, it cannot be assigned retrospectively under MWPA. You can only choose MWPA at the time of purchase. However, you can purchase multiple policies under MWPA, each of which must be registered separately.

Bottom line

As with all financial purchases, it is important to align yourself with your ultimate goal. Life insurance under MWPA only has to be taken out if your goal is financial security for your wife and children. If you buy a life insurance plan as part of your old-age provision, the purchase of the policy under the MWPA will deprive you of a corpus in times of need. Hence, it is important that you research the topic thoroughly, make sure it aligns with your goals, and then decide on that legal provision.

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Women’s Health

‘An amazing resource’ | Breast and GYN Health Project helps those with cervical and other gynecologic cancers – Times-Standard

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Genie Brady spent part of her vacation in an emergency room in May 2018. Returning home to Eureka, she checked in with her doctor, then a gynecologist.

Shortly thereafter, Brady, now 41, was diagnosed with stage 1A or early stages cervical cancer.

“It was a big shock,” said Brady, who works for a mortgage loan solutions company and has an interest in Humboldt Roller Derby. “…I had moved here for school, so I didn’t have my family[here]. The support system I had was friends I had accumulated through school, roller derby and work. It wasn’t something I could talk to anyone about right away. I had just gone through a cancer situation with my surrogate who died from it and even when you catch it early there are all these feelings.”

Looking for support, Brady turned to the internet and found the Breast and GYN Health Project (BGHP), a local nonprofit that serves as a community resource for support and education for those dealing with breast or gynecologic cancer issues.

“I googled and looked for a support group and they were the first to come up, so I reached out and got all their glorious benefits,” Brady said.

The project’s services, which are offered at no cost, include a patient navigation program, support groups, information specialists, volunteers, an extensive resource library, and more.

“The (Breast and GYN Health) Project helps people with breast or gynecology cancer by providing a lot of education. We can help explain things your doctors might tell you. We can help them come up with questions they might want to ask,” said Madelin Amir, Director of Customer Services. “We help them before, during and after diagnosis and treatment.

“With cervical cancer,” Amir said, “they sometimes need special treatment from a gynecologic oncologist. If they or local healthcare providers need help locating them, BGHP can help. We also have a support group for people with any type of gynecological cancer. Although they may have different types of cancer, women with these types of cancer usually have common experiences.”

Rose Gale-Zoellick, executive director of the Breast and GYN Health Project added, “Although we do not provide medical care at our facility, clients will find the education that both Dr. Mary Meengs (Medical Advisor) and Madelin Amir, very helpful. Madelin is a Registered Female Health Nurse. Her experience and training is useful in educating and supporting people living with gynecologic cancer.

Rose Gale-Zoellick is executive director of the nonprofit Breast and GYN Health Project. (Courtesy of BGHP)

“Although cancer diagnosis and treatment have improved significantly over the years, the social and emotional impact of a cancer diagnosis has not changed significantly over the past 25 years. The statistics that every eighth woman will develop breast cancer in her lifetime have not changed either. Local cancer patients still have a great need for the cancer support services that the BGHP offers,” said Gale-Zoellick.

In addition to receiving a special binder to keep her medical records and appointments in order, Brady said BGHP helped her find financial support resources for transportation and housing when she went to her doctor’s appointments in Santa Rosa.

“The biggest thing for me is (however) the self-help group. While you’re in the middle of it, it’s just a decision, decision, decision — and when you get past that, you have to deal with all the losses and gains — there’s still a way to go,” said Brady, who attends the support group for young women and the gynecologic cancer support group.

“Being able to laugh and cry and bitch and feel heard and to be a part of others who have been on this journey, even though it may not be quite the same, it’s (so) helpful,” said Brady. “…There’s a bit of different information in both groups, but both are amazing groups of women. It’s such a gem, an amazing resource. I’m so glad it’s here.”

Brady – whose treatment included a total hysterectomy – says she is now a “cancer survivor” who wants to make sure the breast and GYN health project is available to those who need it.

January is Cervical Cancer Awareness Month and the people at BGHP are hoping to be educated about this less common type of gynecologic cancer.

“Endometrium, which is the same as uterus, is the most common gynecological cancer, and next comes the type of cancers that are grouped together and called ovarian cancer…and then below that would be cervical cancer,” said Dr. Mary Meengs. Medical advisor to the BGHP and breast cancer survivor.

The American Cancer Society – https://www.cancer.org – estimates that there will be more than 14,400 new cases of invasive cervical cancer in 2021. (Cervical progenitors are detected far more frequently than invasive cervical cancer, she noted.) According to the Centers for Disease Control and Prevention, there are two screening tests that can help prevent or detect cervical cancer early: the Pap smear (Pap test ) and the human papillomavirus (HPV) test. Getting the HPV vaccine—and not smoking—can also help prevent cervical cancer.

“These two things (Pap smear and HPV vaccine) in both early detection and prevention are so dramatic,” said Meengs, who co-chairs the Breast Cancer Support Group and the Advanced Disease Support Group. “…Work with your provider and see when a Pap smear and/or HPV test is due.”

Amir added: “It is really important that women have routine Pap tests and if they have an abnormal Pap test that they are followed up as recommended. It’s not uncommon for women to sometimes feel embarrassed when they haven’t had pap for a long time. Don’t be afraid to get checked out, even if it’s been a long time. Life gets in the way and we do our best. I encourage women to follow up as recommended if they have an abnormal Pap test. Ultimately, early treatment can help save your life. If you find you have gynecological cancer, the BGHP is here to support you. You don’t have to do this alone.”

The Breast and GYN Health Project helped 335 people in 2021. Eight of those people had cervical cancer, Gale-Zoellick said.

“In 2020, BGHP helped four people with cervical cancer,” she said. “We believe the increase is due to local ob-gyn and ob-gyn offices learning about our services and making recommendations, not because more women are developing cervical cancer.”

For more information on the Breast and GYN Health Project, visit https://bghp.org or call 707-825-8345. The BGHP office is located at 987 Eighth St. in Arcata.

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Women’s Health

For Your Health for Jan. 17, 2022 | Journal-news

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SCH expands free community COVID-19 testing

MARTINSBURG — Shenandoah Community Health is expanding its free COVID-19 community testing hours. The PCR test is now available Monday to Friday from 8:30am to 4:00pm without an appointment or order via the drive-thru test tent at 99 Tavern Road.

This service is available to SCH patients and non-patients alike, and results are typically received directly from the lab within 24 to 48 hours.

Healthy Berkeley announces new health and wellness app

MARTINSBURG – Health Berkeley has announced the launch of the Change Your State app to bring health and wellness to local communities.

Focused on the areas of mind, movement and food, the app is designed to provide a wealth of resources for community residents.

App resources include blog posts, workouts, healthy recipes, and meditations. Users can also track their daily goals and earn points for completing those goals. All participants who accumulate a minimum number of points each month participate in the monthly prizes.

There will also be a Change Your State Facebook page and a weekly Change Your State podcast for those who don’t have a smartphone.

The free app will be available to download from January 8th in the Apple and Google Play Stores by searching for “Change Your State”. The App Challenge runs from January 15th to April 15th.

For more information, contact Abby Veigel at abbyveigel@gmail.com or Dana DeJarnett at dana.dejarnett@wvumedicine.org.

WVU Medicine offers a safe walking program

MARTINSBURG – Walk with Ease, an Arthritis Foundation-certified program to share strategies for safe and comfortable walking, will be held at the Berkeley 2000 Center, 273 Woodbury Ave. offered in Martinsburg.

The program will be offered from January 25 to March 3, 2022 on Tuesdays and Thursdays at 9:30 a.m. All participants receive the Walk With Ease Guide Book, and the program is free and open to all.

This structured, six-week walking program is designed to help people with arthritis better manage their pain, but anyone can participate and benefit from the program. Based on research and tested programs in exercise science, behavior modification and arthritis management, Walk With Ease has been shown to reduce the pain and discomfort of arthritis, increase balance, strength and walking pace, build confidence to be physically active and improve the general health.

Walk With Ease is a structured walking program that provides support, information, and tools to help participants develop successful exercise routines. During the program, participants will learn proper stretching and pain management techniques, as well as building endurance and walking speed.

Pre-registration for the Walk With Ease program is required and places are limited. Masks are suggested and social distancing will be followed. For more information or to register, call the Berkeley Extension Office at 304-264-1936 or contact Dana DeJarnett at 304-264-1287, ext. 31814 or dana.dejarnett@wvumedicine.org. Before beginning any exercise program, always consult your doctor.

Free National Diabetes Prevention Program Kit

WINCHESTER, Va. – Valley Health is offering new sessions of the National Diabetes Prevention Program, a free 12-month course designed to help adults at risk of developing diabetes who are willing to make lasting lifestyle changes. One group meets virtually on Mondays from 12-1pm and the other meets in person on Wednesdays from 3:30-4:30pm at Warren Memorial Hospital

To be eligible for the National Diabetes Prevention Program, individuals must be overweight, not have a diagnosis of diabetes, and have one or more of the following: Elevated blood sugar, high blood pressure, a family history of diabetes, physical inactivity, and a history of gestational diabetes.

To learn more, visit www.valleyhealthlink.com/diabetes or call 540-536-5108 for the virtual program or 540-636-0314 for the in-person program at Warren Memorial Hospital.

Tai Chi begins at Berkeley Senior Services

MARTINSBURG – Tai Chi takes place on Mondays at 10:00 a.m. at Berkeley Senior Services on the High Street. Casual clothing and masks recommended.

For more information, call Eldon at 304-264-4783.

Good Samaritan Free Clinic schedule

MARTINSBURG – The Good Samaritan offers free health care for the uninsured and underinsured. The main clinic is located at 601 S. Raleigh St., Martinsburg. They do not keep appointments and look after the family doctor’s practice in all clinics except for the women’s health evening.

The opening hours of the clinic are:

• Wednesdays at 5pm

• First Tuesday of the month at 5pm

• Women’s Health Clinic on the third Tuesday at 5 pm

• Rescue mission every Monday from 10:30 am to 12:00 pm.

Visit www.goodsamaritanfreeclinic.org for more information.

Living Well program manager training

MARTINSBURG – Free leadership training for a program to help people cope with chronic illness will be held via Zoom from January 19 to March 2, 2022.

Leaders help others learn the skills they need to manage their chronic conditions and improve their quality of life. No prior teaching or healthcare experience is required, just a willingness to help others improve their health.

Executives must attend all seven weeks of free training to be certified. The first session will take place on January 19 from 1:00 p.m. to 3:00 p.m. Two meetings will be held every Monday and Wednesday from 1:00 p.m. to 3:00 p.m. for the next six weeks until March 2nd.

For more information or to register, contact Dana M. DeJarnett at 304-264-1287 ext. 31814 or dana.dejarnett@wvumedicine.org. Registration closes on January 14th.

Virtual Chronic Pain Self-Treatment Program, new session announced

MARTINSBURG – Living Well, a Chronic Pain Self-Management Program, is a weekly workshop designed to help individuals coping with one or more chronic pains learn to take daily responsibility for their care, improve skills, needed to manage their pain and work effectively with their doctor.

A new Zoom workshop begins January 20th and will be held every Thursday through February 24th from 5pm to 7pm. The six-week program is interactive, informative and entertaining and offers the same content as the face-to-face workshop.

Living Well is free and open to people with chronic pain and other pain-related health issues. Everyone can benefit from learning the skills to coordinate all of the activities needed to manage their health and help them lead full and active lives.

Attendees will need a computer, phone, or tablet to access Zoom. The device must also have a camera and microphone. A quiet place and a stable chair are also recommended for the beginning of the lesson.

To register or for more information, contact Dana M. DeJarnett at 304-264-1287, ext. 31814 or dana.dejarnett@wvumedicine.org. Registration closes on January 18th.

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Women’s Health

New Jersey Gov. Murphy signs bill preserving abortion in state law

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New Jersey Gov. Phil Murphy signed legislation Thursday that will enshrine abortion rights in state law.

The US Supreme Court last December heard arguments on two cases in which some predict abortion rights will be escalated to the state level to decide.

“Regardless of whether the Supreme Court Roe v. Wade or not, New Jersey’s position in support of the right to reproductive autonomy will remain clear and unchanged,” Murphy said during a signing ceremony in Teaneck, New Jersey.

New Jersey Governor Phil Murphy speaks with Senator Bernie Sanders (I-VT) during a Get Out The Vote rally October 28, 2021 in New Brunswick, New Jersey.
(Yana Paskova/Getty Images)

Murphy had pushed for the law, but it stalled in the Democrat-led legislature as the majority faced voters in November and then faltered from the loss of six seats in the assembly and a net loss of one in the Senate.

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The bill does not include a requirement for insurance coverage for abortion, which some advocates have campaigned for, but empowers state banking and insurance departments to study the issue and make new regulations.

A pro-life protester protests outside the Supreme Court building on the day of hearing arguments in the Mississippi abortion law case Dobbs v. Jackson Women's Health in Washington, U.S., December 1, 2021.

A pro-life protester protests outside the Supreme Court building on the day of hearing arguments in the Mississippi abortion law case Dobbs v. Jackson Women’s Health in Washington, U.S., December 1, 2021.
(REUTERS/Jonathan Ernst)

The New Jersey bishops expressed “deep disappointment and concern” at the passage, saying in a statement that it “openly effaces the human and moral identity of the unborn child.”

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So far, only New Hampshire has passed new legislation since the Supreme Court hearing: The state will ban abortions after 24 weeks of pregnancy unless the mother’s life is in danger.

An anti-abortion activist participates in a protest outside the Supreme Court building in Washington December 1, 2021 ahead of disputes in the Mississippi abortion law case of Dobbs v. Jackson Women's Health.

An anti-abortion activist participates in a protest outside the Supreme Court building in Washington December 1, 2021 ahead of disputes in the Mississippi abortion law case of Dobbs v. Jackson Women’s Health.
(REUTERS/Jonathan Ernst)

But 12 states have enacted “trigger laws” aimed at restricting abortion immediately once the Supreme Court makes its decision and potentially overturns Roe, including Arkansas, Idaho, Kentucky, Louisiana, Mississippi, Missouri, North Dakota, Oklahoma, South Dakota, Tennessee, Texas and Utah.

Four other states — including Arizona, Michigan, Wisconsin and West Virginia — have pre-Roe abortion laws that they would re-enforce, according to the Guttmacher Institute, a gender rights research group.

“What happened was that it all coalesced around the fact that the Supreme Court has a real chance to weaken or overturn abortion rights, and now it was time to introduce those legal protections,” he said Elizabeth Nash, State Policy Analyst at Guttmacher.

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Fourteen states and the District of Columbia have policies that specifically protect abortion rights, including California, Connecticut, Delaware, Hawaii, Illinois, Maine, Maryland, Massachusetts, Nevada, New York, Oregon, Rhode Island, Vermont, and Washington.

The Associated Press contributed to this report.

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