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Tag: Life

Why employer-provided life insurance can backfire

Why employer-provided life insurance can backfire

Finance
Employer provided benefits, though well-intentioned, can nonetheless be a minefield for misinterpretation.Take life insurance, for example. It's a popular employer-provided perk that is lulling workers into a false sense of security. A new survey from LIMRA, the research engine for the life insurance industry, says 108 million Americans have life insurance through a group plan while 102 million have coverage through an individual plan they purchased. That's the first time since LIMRA began tracking the issue in 1960 that group coverage is more popular.In most instances, workers merely accept the free life insurance benefit without thinking it through. Nothing wrong with free, but free isn't necessarily enough.Anita Potter, a workplace benefits specialist at LIMRA, says smaller firms tend t...
Endometriosis: My life full of pain

Endometriosis: My life full of pain

Health
Endometriosis isn't just painful periods, it's a chronic condition in a league of its own. One in 10 women has it yet, in the UK, it takes on average seven years to get it correctly diagnosed by a doctor - something experts want to change.With endometriosis, tissue that behaves like womb lining is found in other bits of the body, causing nasty symptoms.Amelia Davies was 12 when she got her first period. She soon came to dread her "agonising Auntie Red"."At times it was so bad I couldn't go to school. I missed loads of days. The pain was really intense, with lots of different types - stabbing, cramping and burning. I was so bad I couldn't walk or get out of bed."New guidelines for the NHS aim to reduce delays in diagnosis and save women years of unnecessary distress and suffering. Crippling...
Secret life of the dodo revealed

Secret life of the dodo revealed

Science
Scientists are piecing together clues about the life of the dodo, hundreds of years after the flightless bird was driven to extinction. Few scientific facts are known about the hapless bird, which was last sighted in 1662. A study of bone specimens shows the chicks hatched in August and grew rapidly to adult size. The bird shed its feathers in March revealing fluffy grey plumage recorded in historical accounts by mariners. Delphine Angst of the University of Cape Town, South Africa, was given access to some of the dodo bones that still exist in museums and collections, including specimens that were recently donated to a museum in France.Her team analysed slices of bone from 22 dodos under the microscope to find out more about the bird's growth and breeding patterns."Before our study we kne...
If you have student loan debt, you might also need life insurance

If you have student loan debt, you might also need life insurance

Finance
Taking out a life insurance policy as a new college graduate may not be top of mind, but it's worth exploring if you have student loans. Some of that debt can live on, even if you die."That's not something that college-age students and their parents tend to think about," said Betsy Mayotte, director of consumer outreach and compliance for American Student Assistance, a nonprofit focused on higher education financing.Four in 10 student borrowers now owe at least $ 20,000 at graduation, double the share from a decade ago, according to a new report from the Consumer Financial Protection Bureau. Over the same period, the number of those owing at least $ 50,000 has more than tripled, from 5 percent to 16 percent of borrowers.If a relative or friend has co-signed on a student loan for you, and y...