How to Make Sure UK Equity Release Schemes Do Not Affect Your Means Tested Benefits

Firstly, There is no tax to pay on the money released from your home, provided it is your main residential property.

Releasing capital from your home that takes your savings over £10,000 can affect your means tested benefits if your income is less than the minimum the state says you need to live on. Therefore you should ensure that the balance of any equity release money left over after spending cash on immediate needs does not take you over the ten thousand pound threshold. At least not for a long period, as money entering and leaving your account very quickly is unlikely to alter the situation.

Non means tested benefits such as disability benefit and attendance allowance are totally unaffected by the extra money created from your equity release, but invalidity grants for home adaptations could be influenced, even if your savings are less than ten thousand pounds. In this context if you are seeking such grants, you should first establish your position with the local authority before entering into an equity release scheme and definitely before instructing any work to commence.

Pension Credit is a means tested benefit that could be reduced or even extinguished by equity release money arriving into your account. Pension credit payments are added to your income if you are over aged 60. This is to top up low level earnings or the state pension so that you have the minimum weekly income that the state says you need to live on. After 5th April 2010 this is £132.60 for a single person and £202.40 for a couple. If your savings exceed £10,000, every £500 over this amount can reduce your weekly pension credit by one pound.

If your circumstances change during the five year period from when you were assessed for pension credit you do not need to notify the Department of Works and Pensions. People over aged 75 at the time their pension credit decision was made do not have a time limit.

National Health Service benefits are available for persons that are claiming Pension Credit. These include free prescriptions, dental treatment, free eyesight tests, vouchers for spectacles and even reasonable transport costs for health treatment.

Council Tax benefits are available for people on low incomes that may be claiming pension credit. The amount of council tax benefit reduces proportionately as the level of savings increases from £10,000 to £16,000.

The best way to ensure that your means tested benefits are not affected by equity release is to consult an independent equity release adviser at the equity release schemes website who can provide you with an indication of the level of any benefits that may be reduced. Some advisers have access to computer software that can assess the effects of equity release schemes on state benefits.

As a general rule, make sure that the amount of equity you have released does not take your savings over the £10,000 threshold after you have spent money on essential items.

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Insurance For Equity Actors

An actor is a person who makes his living by playing roles of various characters in movies, on television shows, stage plays, etc. If an actor chooses to become an equity actor, he can become an equity actor. In the United States as well as United Kingdom there is an association called The Actors’ Equity association an actor can register with this association and get the benefits that this association provides.

Primarily, the insurance that comes free for an Equity Actor is Public liability Insurance, The backstage Insurance and accident cover as long the actor is a member and under benefits.

As an actor your body is an asset that will help you to achieve success in the film industry. Your voice, your vision, your physical ability and good health will help you to excel in every audition, rehearsal and performance. If as an actor you do not maintain a good health or do not follow a proper physical fitness routine, then be prepared to lose good roles provided by film makers.

Most of the employers do not provide any health care plans or car insurance plans or life insurance plans or house insurance plans. An actor has to take these insurance’s plans on his own.

An actor should opt for a health insurance plan that covers preventive care, including all regular health screenings appropriate for your age group. This will likely be a comprehensive plan, which usually has a deductible and co-payments for office visits.

One of the other insurances that an actor or an actor’s employer should buy is Artist Liability Insurance.

This insurance offers many benefits such as.

Artist Liability Cover:

This policy covers all the law-suits that are filed due to the conduct of an artist onstage as well as offstage. Anyone who is employed by an actor will be covered.

Equipment damage Cover:

This insurance covers damages to the equipment that an artist or his employer rents, any repairs that are carried out on these equipments will be covered.

Public Image Protection Insurance:

This insurance covers if your business spokesperson causes any kind of damage to the promotion of your business. If you are required to re-shoot commercial or cancel any shows or want to hold a show for public apology all of this would be covered.

The Main Man Life Insurance:

This insurance provides financial aid if the main character of your shows dies or has an accident, financial aid would be provided to the next in Keith and Kin.

All Risk Insurance:

This insurance provides the benefits of life insurance to all the performers of the show or a stage play, in case a performer dies on the stage or off the stage.

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Aiming at Health Equity Through Public Health

Health Equity or healthcare disparity is required to be diminished in order to imbibe a social institution, a discipline or a practice that improves healthcare for all. Aiming at this wellbeing is very essential especially effective through the route of Public Health. Let’s have a look at how this concept works in building up Health Equity.

Health services tend to fail due to lack of accountability. Health equity refers to the differences in quality of health and healthcare. There currently exist vast discrepancies between developed and developing countries in relation to public health. Ultimately, collaboration is what can reduce healthcare disparities. Focusing on prioritizing healthcare needs and their respective consequences and economic impact is majorly considered.

Public health aims at improving the health of communities. Public Health Solutions specialize in improving the health of all the health management information related communities, groups, organizations to address the various challenges for a better tomorrow. What differentiates this concept from various concepts is the fact that it emphasizes on communities rather than individuals or primary care physician. Healthcare professionals generally deal with just individual health. Here, all the efforts adds on improved quality of life with higher expectancy, world-wide reduction in infant and child mortality, keeping environment safe and clean, preventing many transmissible diseases and promoting good health practices.

For the delivery of better patient care there has been more focus on the computerization of hospitals. There have been efforts in making institutional care happen. Healthcare delivery too is one of the most crucial aspects. Although there is improvement in the managerial efficiency it is indeed required to account if the services reach the beneficiaries (poor) as well. Health Equity would be well managed through system management process leading to an outcome of spirited community.

Currently it is just treated as a nationwide concept and has not been given much of an essence since major focus has been always diverted to immunizations and curative care. What’s required to do through Public Health is evaluate and monitor health, diagnose and investigate, empower and educate the community on healthcare, develop policies or enforce laws to finally assure that care is well provided. The key is to make available all relevant information on healthcare community. Communities should participate in decision makings and taking up responsibilities respectively. The goals of preventing diseases and emphasizing on health needs would highly be achieved through Public Health for the benefit of the population as a whole.

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