Getting The Right Health Insurance Coverage - 5 Strategies

You need it. You don't want to pay an arm and a leg for it. Health insurance coverage is something that every person in the United States needs to have. But, the problem lies in knowing what to get, where to get it and how much you need. In some cases, you really do not control these issues because your employer provides them for you. But, are they providing enough coverage for you? Should you consider more? To help you to know what health insurance is the right coverage for your needs, here are some strategies to keep in mind.

How Much Is Enough? This is a difficult question to answer. In fact, only you can answer it. If you are the only person that will be covered, your terms may be lower than that of a person who is the income earner in a family. In any case, the coverage that you get should provide for most medical treatments to be administered. It should include coverage for specialists and also for treatment at a hospital. It should also include preventative care. Do you include dental and vision? That is up to you but it is wise to have nonetheless.

The Deductible - Many people have no idea what the deductible is on their health insurance. In most cases, this number is the amount of money that you will pay before the health insurance kicks into play. The fact of the matter is that you can raise this number, if you can afford to, and get a lower price on your health insurance coverage. You should only do this, though; if you can afford to make the higher amounts of payments should they all hit you at once.

Gotta Have The Pills- In many cases, prescription coverage is a must. Even if you do not take any pills or products right now, who knows what is down the line. Medications are very expensive and can often leave you paying more for them than the doctor that prescribed them. When you factor in the duration of how long you are likely to take them and if you will take them for the rest of your life, prescription coverage on your health plan is a must.

Co-payments may be a pain to pay but they help to lower your cost of visiting the doctor significantly. But, can you afford to make that much of a payment? What options do you have with the insurance carrier?

Lastly, the health coverage that you get should come from the doctors that you know, trust and want to work with. There are many cases where there is little choice by you as to whom you go to see. Make sure to go with a health insurer that fits your needs here.

Mike Singh is the successful webmaster and publisher of health insurance websites. He provides more information about health insurance individual plans and different types of health insurance.

Health Insurance Companies - The Good and The Bad

When you are shopping for health insurance it would be helpful to know how often health insurance companies fail to provide the service you would expect. The Arizona Department of Insurance has released a report listing fines and complaints filed against health insurance companies in the state.

The report covers 27 insurers or about 75% of the companies serving Arizona. Does the report reflect health insurance performance in other states? I can't be sure, but it does give us a peek into the workings of the health insurance industry.

United Healthcare of Arizona is one of the major insurers in the state and it had the highest number of complaints per insurance policy. Time Insurance and Mega Life And Health Insurance are smaller companies and they had even high complaint ratios.

In Arizona Humana Health Plan satisfies the appeals of its insured more than any other company. On the other hand the report shows that Mega resolves fewer appeals to the satisfaction of the insured.

When it comes to the number of fines levied in the past 5-years by the AZ Department of Insurance the Arizona arm of CGNA Healthcare garbs the top spot. They were assessed the most fines.

If you would like to read more about the performance of health insurance companies you can find the full report online if you do a search for "Report on AZ Health Insurers". Chances are the insurance department or commission in your state issues a similar report.

Another fact we can learn from this Arizona report is that your state's insurance regulatory body may be able to help you in a dispute with your insurance company. You can find state insurance regulators on the internet by doing a search for National Association of Insurance Commissioners. The NAIC has a map of the United States on their web page. Just click on your state and you'll find your state's insurance department information.

Before you buy any policy it would be sensible to learn just which health insurance companies fail to please consumers in your state.

Mark Walters helps individuals, families and travelers choose health insurance coverage at http://www.HealthInsuranceMonster.com

Short Term Health Insurance

If you are between jobs or are awaiting another health insurance policy to come into effect you may find that you have a gap in your health insurance coverage. This period is a high risk as you are effectively uninsured when it comes to health insurance. So what are you to do in this interim period? Well one of the best options in such situations is to consider taking out a short-term health insurance policy. This will cover you for a limited or fixed term.

Usually, short-term health insurance policies last for periods of less than six months. There are policies that will cover you for up to twelve months also however. If you need coverage for periods longer than this, you should probably be considering standard individual or family health insurance plans.

Application is Simple

One of the benefits of short-term health insurance is that the application process is somewhat more straightforward. These policies are really designed to cover unforeseen accidents and other emergency situations and are not recommended for comprehensive health protection. They will therefore generally not cover such advanced features as preventive treatments, physical and diagnostic tests, immunizations, dental and vision expenses which you should try to avoid for the period under which you are covered by the short term plan.

The main concern, and something you should be aware of if you are considering a short term plan is that they will make you ineligible for guaranteed issue health plans. These plans are most commonly referred to as HIPAA plans. They can be very expensive and are used in cases where the insured has existing medical conditions, which would otherwise make it very difficult for you to obtain health insurance. If you think you will need eligibility for a HIPAA plan, you should not purchase short-term health insurance. The Health Insurance Portability and Accountability Act or HIPAA, and state health insurance rights are important protections and you should seek advice from a benefits advisor in these regards.

Are you covered?

Short-term health insurance plans will not cover existing medical conditions. While the exact definition depends on your circumstances and on state laws, what this means is that if you have been diagnosed in the last three to five years or have been receiving treatment for a condition, it will be a pre-existing condition and you will not get coverage for it under your short term plan. Therefore, if this applies to you, it is recommended that you extend your current comprehensive policy rather than switch to a short-term plan.

: Joseph Kenny is the webmaster of the insurance site http://www.insure121.com/ where you will find information, news and links to the leading providers of insurance in the UK. If you found this article interesting you may find more articles of the same nature in the insurance guide located on site.

Keeping Your Health Insurance Premiums Low

Health Savings Accounts offer tax deductions for medical expenses, and the opportunity to set up additional retirement accounts. But regardless of any other positive benefit of HSAs, lower premiums are the primary reason that thousands of Americans have chosen Health Savings Accounts as the best way to protect their family's health and assets. So I'd like to talk about some key suggestions on how to keep your premiums low.

1. Choose an HSA-qualified plan for lower rate increases.

Average group health insurance premiums rose by 9.6% last year and rose over 10% for each of the previous six years. Individual plans went up even more. Yet I expect most HSA plans to experience much lower rate increases. A very large study was recently published showing that rate increases over the past year for consumer driven health plans such as HSA plans was only 3.4%. Blue Cross of Minnesota has reported that its HSA customers spent 8% less than their traditional insurance clients. Humana has reported claims' costs of 4.9% for consumer-driven plans, versus a 19.2% increase in claims for other plans. In fact, average HSA premiums for individuals have actually dropped 19.5% during 2005.

The reason these plans will have lower rate increases is that people who have HSA-qualifying high deductible health insurance plans are likely to pay closer attention to costs, and take better care of their health. For instance, an HSA owner offered a statin drug to lower her cholesterol may be more likely to request a generic version, or ask her doctor if inexpensive nutritional supplements such as niacin or fish oil may be a solution. These actions save the insurance company money and should result in lower rate increases.

2. Raise your deductible as your Health Savings Account grows.

When you fund your account you build up a financial "cushion" which allows you to raise your deductible as your account grows. Every time you raise your deductible, your premium should go down.

By the way, don't forget that every time you fund your account you get an instant tax-deduction. When you offset the tax savings against your premiums, you'll find your net cost for an HSA plan can be very low.

The maximum allowable contribution goes up every year with the rise of the Consumer Price Index. Final numbers are not out yet, but in 2006 we expect the individual contribution limit to go up to $2,700, and the family limit to be $5,450. So each year you can deposit greater amounts into your HSA and continue to raise your deductible, if you choose.

3. Stay healthy, so you can switch plans.

All health insurance plans have rate increases, and we've even seen premiums jump on some HSA plans. If a rate increase happens to you, you can switch to a different insurance company - but only if you pass their underwriting requirements. If chronic disease develops, you may be stuck with your current plan, and its accompanying rate increases, for eternity. Or at least it may seem that long...

If you pay attention to the pharmaceutical commercials, you learn lifestyle really has nothing to do with disease, and it is natural and healthy to be on many medications for the rest of your life, which will then solve your health problems.

If you pay attention to the science, you know the truth is quite different. It appears lifestyle is probably 95% of the picture, and we know the occurrence of degenerative disease can be dramatically reduced and even prevented.

Fortunately, I've found many of our customers are interested in wellness, and disease prevention. After all, they're paying for their own doctor visits if they do get sick. I also believe it is because HSA owners are "forward thinking" people, and like to plan for their future - both financial and physical. You can improve your odds of excellent health with just a few key habits:

Eat very high quantities of fresh vegetables and fruits. Shoot for 35% of your calories. This will lower your risk for diabetes, high blood pressure, heart disease, cancer, and more.

Limit your intake of sugar and starchy carbohydrates like bread and pasta. The majority of health problems in the U.S. are related to metabolic diseases that involve insulin resistance.

Exercise and lift weights. Exercise guru Jack La Lanne just turned 92 on September 26, and he says if you have muscles you never feel old.

4. Compare your plan to other available plans at least once a year, or whenever you get a rate increase.

Often-times people keep their plan much longer than they should, and end up paying much more than they should. If your rates go up, you can compare a wide variety of plans at http://www.HSAforAmerica.com/instant-quote.htm. If you have your coverage through HSA for America, we automatically do this analysis of available plans for you any time we are notified of rate increases.

To your health and wealth,

Wiley Long President - HSA for America

Lack Of A Health Insurance Policy Invites Financial Disaster.

In 2003 health care spending rose four times the rate the inflation. The annual premium for an employer health plan covering a family of four averaged nearly $10,000. The cost of medical care continues to rise at the fastest rate in history.

Health insurance premiums will rise to an average of more than $14,500 for family coverage in 2006.

Surveys reveal that the number one reason many people have no coverage is because health insurance is too expensive. 23% percent of people who do have health insurance have had to drastically change their spending habits so that they could make the insurance payments.

You've read about the rise in the number of bankruptcies. A study shows that the average medical debt of those who filed for bankruptcy is $12,000... And 50% of bankruptcy filings were partly the result of medical expenses. Every minute two people in the U.S. file for bankruptcy because of serious medical problems.

Research shows that even when one member of a family is uninsured and requires a hospital stay, or costly medical treatment, the medical bills can effect the financial position of the entire family as they try to help with costs. Government officials agree that health care costs must be controlled, but they continue to argue about how to do it. Some say it must be done with price controls and by imposing strict budgets on health care spending. Others cry for free market competition as the solution to the high cost of medical care.

An important step in the right direction would have all of us adopting healthy eating habits and lifestyles. We all would require less medical care and those costs would drop.

For individuals and families is vital that you have at least some form of health insurance policy. It may be sensible to keep your health insurance cost as low as possible by having coverage for only a catastrophic illness. The expense of most medical treatment can be paid for over time. It is the unexpected major, life threatening injuries and diseases that can wipe you out financially.

One thing is certain. To protect your financial future you must have at least some type of health insurance policy.

Mark Walters presents an online guide to health insurance of kinds at http://www.HealthInsuranceMonster.com

How to Find Affordable Health Insurance

Affordable health insurance - it seems, especially today, those words just don't belong together in the same sentence. Health insurance monthly premiums have become the biggest single expense in our lives - surpassing even mortgage payments. In fact, if you have any permanent health problems, such as diabetes, or have had cancer at one time in your family history, your monthly cost could easily be more than the house and car payment combined.

Shopping for affordable health insurance can certainly be an eye-opener. If you have always had a health insurance benefit where you work - especially a state or federal employee - and now have to buy your own, you may not be able to afford the level of health insurance coverage you have become used to.

Affordable health insurance, however, is definitely available -if you know how and where to look.

When you are looking for affordable health insurance, you want the lowest cost per year that will fit your budget, of course. But, even more importantly, you want a company that has a good record for paying without fighting with you on every detail. Just as there is a car for just about any budget, there is also affordable health insurance. You may not be able to afford a "Cadillac" policy - but then you probably don't need all the frills anyway.

Shopping for health insurance on the internet is the easiest and best way to find affordable health insurance. Here are five reasons why.

1. You don't need a local agent to help you submit the claims for health insurance. The medical provider does it for you. You save money because the health insurance company saves money by not paying the agent commission. This could amount to an 8% to 12% savings to you.

2. All the top health insurance companies are at your fingertips on the internet. Most local agents can only quote you from the few companies that they represent. They may not offer you what is best for you financially or health-wise but only what they happen to have available.

3. Health insurance companies have to be extremely competitive because it is so quick and easy to compare them with their competitors on the internet today. In the past you would have had to visit physically eight to ten agents to do a similar comparison. Most folks just didn't have the time or desire for that.

4. You can change your coverage, deductibles, and payment options with just a few clicks rather than going through the paperwork delay with a local agent (and then finding out he/she made a mistake - more delay).

5. Charging to a credit card means you aren't going to forget a payment and be without insurance. Also, it gives you another 30 days before you actually have to pay. Also, many companies today give an additional discount for "auto-pay".

The key, however, to finding affordable health insurance is realizing that the purpose of any health insurance is to protect you from a major financial loss - not to protect you from spending small money on clinic visits and sliver removal. These small expenses may be cumbersome but they generally will not hurt you. It's the $100,000 heart operation that will break you. That's the financial disaster health insurance was originally designed to prevent.

Also, keep this in mind. Health insurance, as with any insurance, is a gamble. You are gambling that you will draw out more than you pay in. Your health insurance company is gambling they will pay out less. The odds are in their favor for two reasons. They have all the facts for millions of families to average out, so they know the risk in advance. Also, they get to set the rules and the prices. The higher you set your deductible, the more risk you take. This is not a bad thing at all. You will most likely be the winner in the long run.

Yes, finding affordable health insurance is much easier than most people think.

Taking more of the risk with higher deductibles, spending a little time on the internet comparing eight to ten different companies, and deleting coverage that you will not likely need (such as maternity for many folks) will make it very possible to find your own affordable health insurance.

Dr. Deepak Dutta is the creator of SemanticBay.com - an interactive social network website based on user shared text and picture contents on any topics. Website creators, publishers, and maintainers can promote their website at SemanticBay.com using website articles. Users can join for free, invite friends, maintain buddy lists, rate contents, comment on contents and earn points.

Health Insurance for the Self-Employed

Having health insurance and being able to afford it is a great concern for many who leave a corporate job to run their own business.

The national crisis in health coverage is hitting the small business owners especially hard. About 24 million small-business employees and their families are uninsured, according to a study by the Kaiser Family Foundation.

After you leave your employer you may elect to continue to receive coverage in the employer's group plan at your expense for up to 18 months. The Consolidated Omnibus Budget Reconciliation Act (COBRA) is a federal law that requires employers to allow departing workers to buy health insurance through the employer's group plan.

However, the cost of the monthly premiums for COBRA can come as quite a surprise if you're accustomed to you employer picking up most of your health insurance tab.

Luckily starting in 2003, if you work as a consultant, freelance worker, and other self-employed individual you will be allowed to deduct all of your health insurance premiums. This is an increase form the 70% that was deductible in 2002. You can take the self-employed health insurance deduction even if you do not itemize your tax return.

But, even with health insurance the medical expenses that come out of your pocket can overwhelm you. If you have to dip into your retirement savings for certain medical expenses, the best way to do so is to transfer your IRA or previous 401(k) account to a Self-Employed 401(K) plan that you set up. You can then take a loan from that plan. Loans from a Self-Employed 401(k) plan are tax-free and penalty free as long as they are paid back.

By Daniel Lamaute of www.InvestSafe.com Daniel is a retirement plans specialist and owner of Lamaute Capital, (InvestSafe.com) an investment brokerage firm that works with individuals and small businesses.

How to Shop for Individual Health Insurance

Thompson

If you find yourself in the position of shopping for an individual health insurance policy, there are certain things you'll want to keep in mind. Whether you are coming out of a job that covered you before, or are at the end of your COBRA benefits, or simply have never had coverage before there are things you can do to get coverage on yourself and your loved ones.

The basic thing to know is that if you have a shot a group health insurance, whether through a job or an association you're a member of, that is usually much more affordable than buying individual health insurance on your own. First you need to figure out your health insurance goals; in other words, what are you after? If you're young, healthy as a horse, no dependents and not attempting Mt. Everest next week, you may want to opt for a policy that covers only the catastrophes, and cover the rest out-of-pocket. On the flip side of that, if you're the sole bread winner with a family to support, the scenario is different.

The basic choices you'll have are Fee-for-Service, Managed Care Plans, and Association-based health insurance. Fee-for-service is the traditional indemnity plan, harder to acquire, more expensive, but usually great coverage. Managed care plans include most HMO's and PPO's. These offer lower costs but your choices are somewhat limited. Another way to get insured is through a group or association you may already be a member of, such as professional, religious or trade organizations. Often they may offer health insurance. It's worth checking out, as sometimes you can strike gold in this vein.

Things to consider when you're looking for any policy are what's covered on this plan, how much are the monthly premiums, what is the yearly out-of-pocket, what is the deductible, how much are office visits, does it cover preventative medicine, vision, dental? And I'm sure you can come up with many of your own. Sit down before you go shopping and make a list of your needs and wants, and decide in advance what you're willing to give to get. Be aware that once you start getting quotes they can vary as much as 50% for the same person! Remember, you're shopping, and nobody's making you do anything. If one insurer isn't cutting it, move on to another. If you're coming at this cold and have no good recommendations it may be wise to use a broker who represents several companies, as he or she wil be more likely to find the best policy for you, as opposed to selling the company they work for.

Shopping for individual health insurance can be frustrating and time-consuming, but if you come armed with facts you'll be able to navigate this highly competitive and ever-changing field.

Keith Thompson is the webmaster at http://www.health-insurance.giftsforbiz.com,a site geared toward helping you find great individual health insurance!

Health Insurance; COBRA; OBRA; HIPAA; Medicare; Definitions, Relationships

 

Health Insurance; COBRA; OBRA; HIPAA; Medicare. If asked, could you state that you knew that all 5 of these topics had the same thing in common: medical insurance coverage for you and, perhaps, your family? Would you know the qualifications for each? Well, in this article, we will discuss them. For a timeline that depicts, graphically, the time relationship between them, please see the timeline in www.disabilitykey.com.

HEALTH INSURANCE Coverage from Work

If we are lucky, we, and/or our spouse, work for a company that provides, as a benefit, health insurance coverage for us and our family. If so, we are very lucky. Even if that is true, there are some key things that you might want to look at to see if you have ENOUGH coverage.

1) From your Human Resources Department (or wherever else you would go to get information about your health insurance) get what is called a "Summary Plan Description" (SPD). This document should be kept where you can always find it, as it contains all the information you will need about what your insurance covers and what it doesn't.

2) Look up "Coverage" and "non-coverage" in your SPD.

These will tell you what your plan covers and doesn't cover. You need to see if, perhaps, you or one of the covered members of your family has a condition or circumstance that might not be covered, where you need additional coverage. For example, let's say that your family has a history of cancer; perhaps your plan restricts the number of hospitalization days for care; or, restricts the days per condition. In this case, (like my children) you might want to get additional "cancer insurance" (I think that AFLAC might provide this type of coverage).

It would be a good idea to contact a Health Insurance benefit Broker and ask him/her to read your SPD and see if you have any gaps in coverage. They then can help you supplement coverage BEFORE YOU NEED IT!

NO HEALTH INSURANCE COVERAGE

You might be one of the growing members of our society that, through one circumstance or another, does NOT have health insurance coverage for your family. In this case, I strongly encourage you to contact a Health Insurance Broker and get immediate coverage of what is called "catestrophic" (not sure if I spelled this correctly) coverage. In this type of coverage, you will generally have large deductibles, but will have coverage if, say, one of you has to go into the hospital.

CONTACTING A BENEFITS INSURANCE BROKER

Whenever you call or email a Health Insurance Broker, it is very important to prepare ahead of time. WHAT, specifically are you looking for; how much can you afford to pay every month; what circumstances do you want to make sure that your family is covered for. In this way, you can make sure to focus on your critical needs.

COBRA

COBRA is an acronym ( how can I spell acronym correctly, yet not be sure that I spelled catestrophic correctly?) that stands for: Consolidated Omnibus Budget Reconciliation Act. Basically, it is a federal law that allows you to pay for your Company-paid health insurance, as an active member, if you no longer work for that company for, generally 18 additional months.

1) COBRA is "triggered" (that is, you, or a covered member of your family, become eligible for COBRA) by events such as the following: resignation from the company; termination (FOR ANY REASON) from the company; divorce of a spouse; a covered chile's birthday makes them ineligible for coverage. These are the main "triggering" events for COBRA.

2) Now, when eligible for COBRA, you will be asked to pay for 100% to 105% of the company's employee/employee and family coverage amount. You should get a letter from your company explaining what that amount will be. BEFORE YOU DECIDE TO TAKE COBRA, there are some important things for you to consider.

What will be your cost, and what will be the coverage for that cost? Sometimes the cost is too much for the coverage. In these cases, you might want to select HIPAA coverage, instead (see HIPAA below).

Or, you might just want to get catestrophic coverage as was mentioned earlier, and wait for full coverage under your next job.

Part of this decision should be whether or not you or a member of your family has what is called a "pre-exisitng coverage" condition.

Here again, before automatically taking COBRA, it would be wise to contact a Benefits Insurance Broker and give him/her all of your options, and get their input. I have worked extensively with a Benefits Insurance Broker, and he is absolutely fantastic!

OBRA

What, you ask, is OBRA? I've never heard of it, you say, and no one I know has heard of it either! Well, that's because, 99% of Human Resource or Benefit folks that I know have never heard of it! OBRA is a federal law that was passed that extends COBRA for an additional 11 months FOR DISABILITY PURPOSES ONLY!! Why, you ask, is this important? Thanks for asking, let's see if I can explain.

If you are as nieve (did I spell this wrong too? sorry!) as I was when I first started looking to bridge my health insurance from working to Medicare, I assumed that when I got through all of the hoops to qualify for SSDI (Social Security Disabililty Insurance) I'd IMMEDIATELY be eligible for Medicare, RIGHT??? WRONG!!!!

When you FINALLY qualify for SSDI, you have to wait for 5 months before you get your first check. AND, the rules state that, you are eligible for Medicare 2 years (24 months) FROM THE DATE OF YOUR FIRST SSDI PAYMENT. Well, if you add 24 + 5 you get, 29 months between qualifying for SSDI, and Medicare coverage.

OK, I said earlier that COBRA is for 18 months of coverage. Well guess what 18 months of COBRA + 11 months of OBRA equal - 29 months!

BUT, there are two catches to OBRA; first of all, you have a small window of 30 - 60 days to apply ( this window opens the date of your SSDI approval); and, it can cost up to 150% of your plan coverage amount. BUT, if you have a "previously existing condition" this might be the best way for you to proceed.

Again, it is important to contact a Health Insurance Broker to help you with the risk/cost ratio of all of these situations.

It is also improtant to know all of these deadlines as you plan to ensure that you and your family have important health insurance coverage.

HIPAA

HIPAA is a federal law that is called, briefly, the "portability" law for health insurance. What that means is that when you leave a group (read company-paid plan), the carrier that provided that plan, must offer to you, another plan, different from COBRA, when you leave the group coverage. Generally this will be what is called a "bare bones" plan. Again, the best thing for you to do is to call/email a Health Insurance/Benefits Broker with all of your information: SPD, COBRA info, HIPAA info, needs, cost limits, and let him/her help you find the optimum plan coverage for you.

MEDICARE

OK, now, finally, we've reached Medicare! BUT (you really didn't think it would be that easy, did you?) if you have qualified for Medicare because of disability, there are RESTRICTIONS (of COURSE there are!).

First of all, if you are qualifying for Medicare because of disability, you are probably under the age of 65 - normal retirement age.

Medicare coverage does NOT cover prescription drugs, which, those of us with disabilities probably need, and which cost lots.

But, Congress prescribed that states (all but 11) offer what is called "Medicare supplement" plans, some of which do offer prescription coverages. BUT, these plans ARE NOT REQUIRED TO, and do not, offer these medicare supplement plans that offer prescription coverages to folks who qualify under age 65! So, if you are qualifying because of disability, your medical insurance plan doesn't cover one of your primary cost expenditures!

Here again is where you need to contact a health insurance/benefit broker. Again, he/she can work with you, and your specific circumstances, to get you the coverage you need.

Hope that this information was helpful to you. If you have any questions, please feel to ask them by commenting on this blog, and I'll be happy to get you an answer.

About Disabilitykey.com & Carolyn Magura:

Disabilitykey.com is a website designed to assist each person in his/her own unique quest to navigate through the difficult and often conflicting and misleading information about coping with disabilities.

Carolyn Magura, noted disability / ADA expert, has written an e-Book documenting the process that allowed her to:

a) continue to work and receive her “full salary” while on Long Term Disability; and

b) become the first person in her State to qualify for Social Security Disability the FIRST TIME, in UNDER 30 DAYS.

Click here to receive Carolyn 's easy-to-read, easy-to-follow direct guide through this difficult, trying process. If you are disabled, don't let this disabiling process

 disable you. Read Carolyns Disability Key Blog.