Month: February 2018

Maternal leaves are an intuitive way to depict how much the society cares about motherhood, childcare, and families. Different societies embrace maternal leaves differently; yes, the world is so diverse.

In the modern day world, some countries are yet to introduce this as a legal requirement to all mothers while some are lobbying for more days of the leave.
Just how different are maternal leaves offered in different countries around the world?

• Maternity Leave in Australia
The law provides for a 12 month leave for all mothers. New mothers have the right to request for an additional 12 months based on several factors like family or health issues. To qualify for payment during this period, one ought to have worked for 10 months or more of the 13 months before the child is born.
The mothers earn $695 per week for a period not exceeding 18 months. Anyone earning below $150000 per annum has access to this bounty whether the employer is making profits or losses.
Australia embraces child care on a major scale especially in areas with a dense population set up. Low-income families receive up to 50% of the childcare cost from the federal government.
The cost is capped at $7000 per annum. Over half of the women return to work after delivery according to a 2011 research. A two week paid paternal leave is provided to the fathers. The job is guaranteed to be available after the leave is over.

• Maternity Leave in Ghana
The currently existing leave is 12 weeks, although there are pending plans to have this extended to 16 weeks. Mothers are paid the equivalent of what they earn as stipulated in their employment contract.
Here, child care does not come cheap sometimes rising up to $1000. Private organizations enroll their female workers in health insurances that will see the child care cost.
Over 60% of mothers are said to return to work within a year of delivering. There is no legal provision for a paternal leave currently.

• Maternity Leave in India
Female employees in India are entitled to a 26-week maternity leave, a period of 8 months before delivery to 18 weeks after delivery. Women who have already given birth twice or more are entitled to only 12 weeks i.e. 6 weeks prenatal and the rest after delivery.
During this period, mothers earn the equivalent of their average daily wage of three calendar months prior to the commencement of the leave for a maximum period of 26 weeks. To qualify for the pay, the mother ought to have worked for more than 80 days in the most current 12 months.
Companies are obligated to pay the full wages not only the basic salary. There is no direct child care support currently existing. Incredibly, only a quarter of the mothers resume their jobs after employment.
The labor law has no provision for paternal leave although civil servants are eligible. A further condition is that fathers with two kids or less can access a leave spanning 15 days before the newborn and up to six months from the delivery month. They earn an equivalent of their last salary before the leave.

Salute to all mothers worldwide and a big thank you to all fathers who are there for them during such periods.

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The Difference Between Medicare and Medicaid

Concerning Medicare and Medicaid lets start with some basic refinements. I favor not to be fundamental, yet I have to guarantee that we understand the difference. Medicare is a national Social Security program while Medicaid is a state-run administrative program. At the present time, a considerable number individuals get Medicare benefits when they turn 65 years old. You can in like manner get Medicare benefits following two years of handicap. Your present assets and pay have nothing to do with Medicare capability, and everything to do with Medicaid. You can have Medicare without Medicaid, Medicaid without Medicare, and you can have both Medicare and Medicaid. I will deal here with the last mix of them.

Medicare Benefits Combined with Medicaid Benefits

There are a couple of levels of Medicaid depending upon your state of living course of action and additionally your compensation and assets. Medicaid helps pay a couple or most of the costs that Medicare does not pay. What sum depends upon the level of assistance that you are tolerating. Remembering the true objective to misuse both Medicare and Medicaid, you ought to use providers that will recognize and archive both. This is winding up progressively troublesome as less providers are taking Medicaid now. The reason is that Medicaid pays a little measure of what Medicare and diverse securities pay to the provider. Various Medicare and Medicaid recipients that were tolerating thought at no costs are starting to get charges that they can not hold up under. This is the reason they are starting to scan for various decisions which they can use.

Do Medicare Advantage Programs Make Sense for People With Medicare and Medicaid?

There are Medicare Advantage programs that work with both Medicare and Medicaid. The essential thing here is to guarantee that you are joining a course of action that is planned to work with them both! In case you don’t you could end up getting less favorable circumstances than what you by and by have. One unquestionably comprehended association that offers these tasks is Healthsprings. Healthsprings offers unmistakable undertakings depending upon the level of Medicaid scope that you fit the bill for. The good position to these activities is more provider decisions and what’s more additional favorable circumstances, for instance, dental, vision, and even transportation. Essentially guarantee that you join on the right one. TIP: A straightforward strategy to get on to Medicaid is to apply for LIS which stands for Low Income Subsidy. When you do this, Social Security will send the information to the state to check whether you meet all prerequisites for help.

That is the reason you shouldn’t rely upon Medicare and Medicaid.

Undoubtedly these budgetary help programs are benefit programs and disregarding the way that you are entitled this money on paper – that paper is peddled in zeros of commitment and absorbed red ink. Similarly, as social protection costs continue becoming every single year, expect the measure of diminishing measure of money you get the opportunity to cover less and less of your helpful needs.

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Healthcare is one of the most important things, not only in the agenda during budgeting of the country’s expenses for the year. We all take a keen interest in the healthcare we receive every time we fall ill. It is due to this that many governments encourage their citizens to take the necessary measures to ensure that they receive the best healthcare when they need it. The most common measure that many people have taken to ensure the best healthcare include taking healthcare insurance.

What You Need To Know About Insurance In The United States:

In general simple terms, healthcare insurance can be used to refer to any insurance policy taken. This insurance comes in handy when you need to access medical services and even purchase prescriptions and other expenses related to medical care. If you have the healthcare insurance cover, you can avoid paying via cash and use the cover instead. It is also more convenient to have a medical cover than depending on making cash payments for all your medical expenses. Some of the things you need to know about insurance in the US include the following:

• Terms like healthcare coverage and health benefits can also be used to refer to healthcare insurance.
• There are different types of healthcare insurances in the US categorized into 2 major classes, private and public. As the names suggest, the public insurance is mostly for the people who cannot afford to have their own personalized insurance covers. Private insurance on the other hand is a very flexible healthcare insurance that is available for the people who can afford it.
• The number of people in the US who died due to lack of medical cover in the year 2005 were approximately 45,000 people. Studies have also shown that people who do not have a medical cover have a 40% increased chance of facing death.
• Affordable Care Act which was passed in the year 2010 as aimed at increasing the number of people in the US with a healthcare insurance cover. The act has led to the gradual increase in the people with healthcare insurance covers in the US.
• The Tax Cuts and Jobs Act was passed in the year 2017 and is set to be implemented starting 2019. According to this act, people who do not maintain their healthcare insurance cover will not be penalized. This act is guaranteed to bring down the number of people with healthcare insurance covers by a large figure, 4 million.

Conclusion
Healthcare is one of the most important things that countries and individuals take seriously because it could be disastrous when out of control. It is due to this that many governments today are encouraging their populations to take medical covers. This is because they are convenient and they can be used at any time. Statistics have shown that in the year 2005, approximately 45,000 people in the United States of America died due to lack of healthcare insurance. It is due to this that the US government passed an act that encouraged all the citizens to seek a healthcare insurance cover.

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