Friday, February 28, 2014

Final Expense Insurance

Burial insurance, also known as final expense insurance is life insurance with a specific need: to cover funeral expenses. Policy face amounts typically start at $6,000.00 and can be written up to $25,000.00. Face amounts are customized to your needs. At the time of application, you can decide what is best for you and the face amount may be adjusted accordingly. Your policy will cover the extra incidental expenses associated with funerals. Typically, those incidental expenses are not considered until it is too late.

Final expense insurance is not just-in-case insurance as with health insurance, auto insurance, flood insurance, etc. Death is the final chapter in life. We don't know when death will call upon us. The likelihood of death happening is 100%. Preplanning alleviates loved ones of having to make difficult decisions or to face financial concerns during a very emotional time.

If you just don't want to think about death and have not come to terms about your own mortality, here is something to consider. Throughout your life you earn a modest wage to provide food, clothing, shelter and medicine for yourself and family. The cost of living has increased, you want to cut corners and consider not buying any more insurance. You might think it is burdensome. You might think it is worthless to you. When the day your life ceases to exist, your policy will come alive and get to work. Through your policy, your final expenses will be paid. Your policy will take away financial concerns. Your pre-planned policy will give you peace of mind and avoid any financial burden for those left behind.

Trisha M. Pacenti RN,BSN

Sunday, February 9, 2014

Abdominal injuries can be life-threatening

Abdominal trauma is one of the most common causes of preventable trauma-related deaths.

The majority of abdominal injury is caused by blunt trauma. Blunt abdominal injury typically occurs when the abdomen is directly compressed by, or against, a fixed object. In many blunt trauma instances, the trauma may cause tears in the viscera of the solid organs, namely the spleen and liver. Other injuries may occur as the result of deceleration forces, which can cause tears in the fixed areas of the organs and the blood vessels, namely the liver and renal arteries. Blunt trauma may also cause ruptures in the hollow organs.

A person who sustained blunt trauma within the abdominal region, he or she may not show pronounced signs of the injury. In some instances, the individual may have little to no pain and will not show signs of the injury externally.

Seatbelts, car accidents, sports, hernias, direct abdominal muscle impact are all cause of abdominal trauma.

In many patients, organ damage, especially hemorrhage, may not become apparent for days or weeks. After this time, the patient may experience systematic dysfunction or organ failure. It is crucial those individuals who sustain extreme, direct impact to the abdominal region be examined thoroughly.

Abdominal trauma is complex in nature. The abdominal region is comprised of a number of organs,  solid and hollow, major arteries, vessels, and tissue. An injury can have an impact on a number of areas within the abdominal region, which poses a significant risk to the individual. It is imperative to seek medical treatment right away.

Be safe,

Trisha M. Pacenti RN,BSN