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Time for Bed!

And it's time for bed! @Regrann from @drshimikang - Get your beds nice and cozy tonight because it is #WorldSleepDay! Let us celebrate this day with lots of rest over the weekend to #recharge for the upcoming week. But remember not to oversleep, because having too much #sleep isn't healthy either. From the young to elderly, many of us are guilty of putting sleep on the back burner and letting life get in the way of our nightly Zzz’s, and it's wreaking havoc on our health! Trust me, I get it. Sometimes there just aren’t enough hours in a day - there's always more work to finish, events to attend, TV shows to catch up on, house chores to do, family members to take care of, daily errands to complete, and on and on. With so much going on, on top of electronic and technological stimulation, it’s no wonder we can’t or won’t sleep at night! However, sleep is not a waste of time or "for the dead" - it is what keeps you alive, motivated and #happy. Sleep has a number of #benefits that we fail to recognize when practically buried in work. For instance, sleep reduces #stress; lowers blood pressure; allows your body to repair its cells that make your body stronger and mind think with clarity; improves memory and brain function; elevates your mood and therefore your outlook on stressful situations, how you handle them, and your relationships; lowers risk of cancer; balances your appetite and metabolism; reduces risk of accidents; improves the likelihood of thinking innovatively and problem solving creatively - the list of benefits is endless. So the next time you want to hit the snooze button to give yourself a few extra minutes or hour, do. Prioritizing rest isn’t always easy, but your mind, body, relationships and ambitions will thank you for it. #drshimikang #theselfmotivatedkid #mindbodysoul #lifestyle #thehappynow #livethelittlethings #mindfulness #restup #rest #psychology #mentalhealth #healthychoices #healthyliving #Regrann #iloveweekends #weekend
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CPR TRAINING FOR EVERYONE: WHY IT IS IMPORTANT
Who hasn’t heard CPR mentioned at some point? You heard about its importance in school, you see it on the news, and it is prominently featured on prime time crime shows. Those who perform it are held up as beacons of the community and featured in news stories. But do you really know what it takes to save someone’s life with CPR? Is there a technique behind pumping someone’s chest until the ambulance arrives? Absolutely, and proper application of this simple skill could be the difference between somebody living or dying. Shockingly, it is often seemingly healthy people who suffer from cardiac arrest due to extreme situations or accidents. The truth is that the majority of these people will die. More often than not, if you witness a cardiac arrest, this will happen to someone that you know, as four out of five cardiac arrests occur at home. This means that learning how to correctly and effectively administer CPR has a good chance of one day saving one of your loved ones’ lives. What Is Sudden Cardiac Arrest? Cardiac arrest is not necessarily a heart attack. Although a heart attack affects the heart, it is different because the heart keeps beating; cardiac arrest can, however, occur because of a heart attack. This diagnosis encompasses many different kinds of heart failure where the heart stops beating. For example, this could be a cardiomyopathy, electrolyte disturbances, or a blockage in the artery. All of these cardiac crises occur when the electric impulses that control a heartbeat become chaotic. Often this happens to people who have no previous diagnosis of heart disease or risk factors. Every day about 25 people collapse from cardiac arrest caused by ventricular fibrillation or ventricular tachycardia. The first 10 minutes are critical for the victim. In this critical period following a person’s collapse the following happens: 1. The odds of survival go down 10 percent every minute. 2. Between five and seven minutes after cardiac arrest there is a chance of resuscitation with advanced drugs. (This is the time window that emergency response vehicles target.) 3. After 10 minutes, there is a high risk of permanent brain injury. What Is CPR? CPR is a lifesaving method that has been around in various forms since 1740. Since then, advancements in resuscitation have been continuous. It wasn’t until 1960, however, that CPR was officially developed as the standardized resuscitation method in America. To better understand what CPR does, break down the acronym: By doing CPR, you are simulating a person’s heartbeat to restore blood flow and oxygenation to the body’s system. By pressing rhythmically on the chest, you force the heart to continue pumping, essentially serving as the electrical signal that keeps the heart beating and, thereby, keeping the person alive. When performing CPR, technique plays an important role. Incorrect CPR can cause stalled or ineffective blood flow. However, CPR is not difficult and, with training, you can become a skilled first responder. Mouth-to-Mouth vs. Hands-Only CPR Today there is a battle between CPR techniques, but both the American Heart Association and the Mayo Clinic recommend that you choose your method based on your CPR training. Untrained If you are completely untrained in CPR, it is recommended that you perform hands-only CPR. Recently Trained If you are confident in your CPR abilities, begin with hands-only CPR before clearing the victim’s airway with the ‘head-tilt chin-lift. Continue performing CPR and give rescue breaths. How long ago was I trained? Again, just provide hands-only CPR Realistically, either method drastically increases a cardiac arrest victim’s chances of survival. So, if you are ever presented with an emergency situation, please deliver whichever resuscitation method you are most comfortable with. However, for the sake of theory, the two main schools of resuscitation are presented below. Mouth-to-Mouth CPR Remember the acronym CAB: Compressions, Airway, and Breathing. Compressions on a victim’s chest help pump the heart and restore blood circulation. Every compression should be made with the heel of your hand, using the weight of your upper body to push two inches down into the chest. Perform these compressions to the tune “Stayin Alive,” or about 100 compressions a minute. Airway clearance must also be performed on the victim. To do this, first open the person’s airway by lifting and tilting the head, so that their mouth is open, and there is a clear path from mouth to throat. Breathing for the victim should be done after 30 compressions. You should administer two rescue breaths, making the chest rise and fall, for every thirty compressions. This traditional technique has been falling by the wayside, since the rise in favor for hands-only CPR, since it seems like many people are adverse to joining lips with strangers. With the promotion of hands-only CPR, not only have more victims been tended to by a bystanders. However, there are situations, such as drowning, in which rescue breathing is necessary, as it was due to suffocation that the heart stopped. In these cases, using rescue breaths and restoring respiration may be the trick to bring these victims back to life. Hands-Only CPR Hands-only CPR is simple. Continue chest compressions at the rate of 100 compressions a minute, or to the disco tune “Stayin Alive,” until the victim begins to move or emergency personnel arrive. In 2010, the American Heart Association (AHA) released a statement stating that “Bystanders who witness the sudden collapse of an adult should activate the emergency medical services (EMS) system and provide high-quality chest compressions by pushing hard and fast in the middle of the victim’s chest, with minimal interruptions. This recommendation is based on evaluation of recent scientific studies and consensus of the American Heart Association Emergency Cardiovascular Care (ECC) Committee.” After the release of this statement by the AHA, a study published by The Journal of the American Medical Association said that bystanders who applied hands-only CPR were able to boost survival to 34% from 18%, for those who got conventional CPR or none at all. This study was corroborated by an analysis of 3,700 cardiac arrests, which found that hands-only CPR saved 22% more lives than conventional CPR. 22 percent means 3,000 lives a year in the USA, says the study’s lead author Peter Nagele of Washington University in St. Louis. All this being said, any assistance during a cardiac emergency is good. When reacting to an emergency situation and having to choose between hands-only and mouth-to-mouth resuscitation, do what feels most natural. If an Automated External Defibrillator is available, use it in conjunction with CPR, to further increase the chances of survival What Is an AED? An Automated External Defibrillator (AED) is a handy little piece of life saving technology that often goes hand in hand with CPR. These portable shock devices look like first-aid kits and are often housed in easy to find locations in public places. There is an insignia of a heart with a lightning bolt through the middle on the box, which will let you know that you are indeed holding an AED machine. The use of an AED is specifically for jump-starting the heart in the event of ventricular fibrillation (V-fib) or ventricular tachycardia (V-Tach). Both of these unsynchronized heartbeats are life threatening, which makes an AED useful because it is able to automatically diagnose the type of cardiac arrhythmia and treat it through defibrillation. What this means is that this portable shock machine momentarily stops the heart in order to allow it to reset and reestablish an effective rhythm. Each AED machine is equipped with easy-to-use audio and visual commands, making it straightforward for every bystander to use. The use of an AED increases chances of survival up to 75 percent if used immediately. Remember, though, if the heart is not beating, then an AED is useless and CPR must be continued, as it remains a lifesaving option even with a non-pulsing heart. Don’t Break the Baby – Infant CPR Please note, however, that CPR is different if performed on an infant. Take care to remember, even in a stressful situation, that babies are delicate. Often babies will go into cardiac arrest due to lack of oxygen, so use mouth-to-mouth CPR to revive them. Use the same method of CPR as for adults, but press with only two fingers into the center of their chest, instead of the heel of your hand. When giving rescue breaths, cover both the baby’s mouth and nose with your own mouth, and breath from your cheeks, instead of from your lungs. Pet CPR We all know our pets are beloved, and since they, too, have hearts that beat, they are susceptible to cardiac arrest. Saving an animal is little different from saving a human being. Follow the same guidelines as above if you see a pet in cardiac distress. Since even pets can need CPR, this means that your whole family can benefit from you learning this skill. Just look at the man who saved a poor frozen kitten in Utah. PETA awarded him for his compassion. Now, if the public has such compassion for a stranger when saving a kitten, imagine the gratification you would receive for saving a loved human. What to Keep in Mind about CPR Cardiac arrest is serious business, and the statistics are grim. Each year in the USA, about 300,000 people suffer out-of-hospital cardiac arrests. These can be caused by a heart attack or a rhythmic disturbance from a shock or an accident. Fewer than 8 percent survive. As most people experience a cardiac arrest outside of a hospital, the first thing you should do as a bystander is call 9-1-1. After providing a detailed description of your whereabouts to the emergency dispatcher, begin CPR. Don’t be nervous about administering CPR! Your immediate actions in an effort to help the victim can only help. In fact, bystander response provided prior to the arrival emergency medical teams can double the chances of a person’s survival. Happily, the percentage of people willing to provide CPR has risen from 28 percent in 2005 to 40 percent in 2009. This could be due to a multitude of factors, but this drastic rise in willingness coincides with the release of the American Heart Association’s statement saying that Hands-Only CPR can more than double a person’s chances of survival and is the best option for non-trained personnel to rescue someone on the street. Seems that for many, mouth-to-mouth with a stranger was off-putting. Today’s CPR focuses mainly on the hands-only approach. This technique keeps the blood flowing, which is critical to surviving cardiac arrest. Keeping the blood flowing maintains oxygen flow to the brain and prevents death. In fact, the flow of oxygen is so important to survival that there is evidence to show that techniques like extra corporeal membrane oxygenation (ECMO) and therapeutic hypothermia drastically raise the chances of living. ECMO is a procedure conducted in hospitals where blood is drawn from a patient in cardiac arrest, passed through an oxygenated filter and returned to the patient’s body newly infused with oxygen. This procedure is widely used in countries like Japan and South Korea, and, “They routinely bring people back to life who would remain dead here [in the USA],” said Dr. Sam Parnia, the director of resuscitation research at Stony Brook Hospital. Another alternative that increases life chances is therapeutic hypothermia. Comatose patients who have suffered cardiac arrest are cooled from 89.6 to 96.8 degrees for 24 hours. Cooling the body slows the metabolic process that causes cells to die, allowing doctors more time to work on resuscitating the patient. The problem with these methods and traditional CPR is that those administering the help give up too soon. How long does resuscitation really take? CPR is typically performed for 15 to 20 minutes before signs of life begin to emerge. When administering CPR as a bystander, experts now recommend attempting CPR for 45 minutes before giving up. Research supports this recommendation, and further suggests that patients who take longer to resuscitate often fare as well as patients who were quicker to revive. This Skill Is Worth Your Time Learning CPR is a very important skill. Now that you know CPR can make such a difference in a person’s life, shouldn’t you take the time to learn basic cardiopulmonary resuscitation? When selecting a class, make sure that it is offered by an accredited organization like SimpleCPR. At SimpleCPR, classes are designed for ease of access without sacrificing content. If you’ve hesitated before to take a class because of time or money constraints, this should no longer inhibit you. From basic to advanced courses, SimpleCPR offers 60-minute courses (CPR Certification Online) that will fit even a modest budget. Additionally, each class adheres to the strict guidelines followed by reputable lifesaving establishments such as the Red Cross and the American Heart Association. Now that you are aware of the importance of this life saving technique and have access to training options, what are you waiting for? One day there could be a life under your hands.
Laser Hair Removal Cost in Bangalore
Laser hair removal is safe, painless and the best solution for getting rid of unwanted body hair. This method has replaced the traditional methods of removing hair by providing excellent long lasting results. Laser hair removal selectively targets the dark melanin present in the hair follicles. When the laser energy is targeted over the skin, the hair follicles get heated up and are burnt which destroys the growth of hair and provides long-lasting hair free skin. Dr. Dixit Cosmetic Dermatology Clinic is the best clinic for laser hair removal in Bangalore and they use advanced technology to remove unwanted hair. Laser hair removal is a safe treatment as the rays used in the laser targets the dark melanin present in the hair follicle and does not damage to the surrounding skin areas. At Dr. Dixit Cosmetic Dermatology Clinic under the supervision of Dr. Rasya Dixit, the laser hair removal procedure is performed to deliver safe and best results. The different types of laser used here are diode and Nd YAG lase, and both these lasers are considered safe for Indian skin types. This procedure gives long-lasting reduction in the hair growth. The laser hair removal cost in Bangalore depends on the target area, number of laser sessions provided, type of laser involved during the treatment. To know more about the laser technology consult Dr. Rasya Dixit. Disclaimer: Images and contents used in this post are only for promotional purposes.
Top Health Issues Where Instant Medical Loans Is A Right Choice
Medical issues in life do not look for funds in the account. They always knock on the door in the most uncertain times. Not all the suffers are gifted with the medical cover to solve their health coverage and few medical treatments are not covered by insurance providers and such is the juncture where Instant Medical Loans turn to be a vital option for people to handle their treatments. Dental Problems Many people become the victims of dental problems. These health issues need immediate attention irrespective of your financial status. Though the problem is not a life-threatening issue, it hampers the quality of life. NO insurance provider is open to offering coverage to these recurrent problems, the treatments for dental issues in the countries like Australia are expensive to be paid from the pocket alone and you can take the help of an instant medical loan to handle the immediate problem and disburse the expenses over the loan tenure. Kidney Related Issues When you are a victim of a kidney-related problem, the expenses for the treatment are recurring. The insurance provider may offer coverage for major things like surgery but not for recurring expenses like dialysis. Instant Medical Loans can be used to pay any medical expenses related to any health disorder. If you feel like you run out of cash to pay the recurring expenses for health treatment in that particular month, you can avail these online loans. Cosmetic Surgery Beauty enhancement is always a way to lead a confident life especially if you are a public profile. Not only surgeries, pre, and post-medical treatments are expensive too. As there is no insurance coverage offered for such treatments, you can apply for Instant Medical Loans to adjust your finances during the treatment time. Any Emergency The purpose of these Online Cash Loans is not specific. You can spend the loan amount for any medical emergency that knocks on your door. On applying for the loan online, the amount is deposited into your account directly giving you full control over money sending.
What You Might be Doing That is Weakening Your Immune System and How to Boost it Back Up
Now more than ever people are searching for ways to boost and maintain their immune systems to protect their overall health. With pandemic fears and the holiday season all bundling into one, though, you might need more than just some vitamin C to keep your body moving. Maybe you know immunity is important, but have no idea where to start in the journey to supporting your health. The first step is to acknowledge things that might be stressing your natural defense systems and weakening your body. Next, you want to focus on foods and lifestyle habits that will keep you in the shape you want to be. What Weakens the Immune System You may be consuming green superfood powder and protein shakes which helps, but that’s not all you have to do to have a strong immune system.. In fact, a large part of it is knowing what can suppress your immune system and how to avoid the triggers. One major contributor to sickness and vulnerability is a lack of sleep. Sleep is when your body is able to rest and recover, repair damaged cells, digest food, and restore your body's natural hormone levels. Without proper sleep, certain systems might be running on fumes and taxing your ability to fight off illness. Vitamin C gets a lot of attention, but vitamin D is another incredibly important part of building up your body because it supports your bones and blood cells. Even spending too much time inside can make you more susceptible to infection. The main reason outdoors can help is because sunlight activates T-cells in your body, which are responsible for fighting all types of nasty microscopic invaders. Is Your Immune System Compromised? Sometimes it can be hard to tell if all your little bodily annoyances during the day actually add up to a larger problem. There are a few tell-tale signs you can look for that signal your body is struggling with immunity and might need a little help to get back to healthy levels. Keep an eye on your stress levels because when they get out of control, it could mean bad news for your white blood cells. Stress produces corticoids, which can cause inflammation, and decreases your body's lymphocyte count, which are the cells that fight infection. Stomach issues are another good indicator of immune stress because seventy percent of your immune system is located in your gut! All of the bacteria that live in your digestive tract actually help to protect your insides and fight off unwanted intruders. How to Boost Immunity Supplements can be a great route to boost your body's response, but if you don't quite have the budget for a cabinet full of pills and potions, food works just as well! If you focus on eating immune supporting foods, you'll be providing the vitamins and nutrition your body needs in a form that's easy to break down and absorb. The first classic group to focus on is citrus fruits because of their high vitamin C content. Another great source of this vitamin that also sports a healthy helping of beta carotene, which turns into vitamin A after you eat it, is red bell peppers. Broccoli and other cruciferous vegetables provide more helpful options because they're not only full of vitamins, but also fiber and antioxidants. Fiber rich foods can help to keep your bowels moving regularly and prevent any buildup of bad bacteria in a blocked area of your digestive tract. Aside from food, you can focus on lifestyle changes such as cutting out sugar from your diet, staying hydrated throughout the day, and starting a moderate exercise routine. You can even start meditating or practicing yoga every day to help release bad chemicals from your muscles and keep your stress from getting out of control. Creating healthy habits that become second nature is the best way to defend yourself against a suppressed immune system. If you're looking to boost your immunity, be aware of what can harm you and focus on eating right and developing healthy routines.
How To Improve Memory Naturally?
The beneficial health effects of blueberry, curcumin, Omega 3 fatty acids and green tea. A look at the lifestyle factors, foods and supplements that promote adult neurogenesis and formation of certain brain cells throughout the entire lifetime. The beneficial health effects of blueberry, curcumin, omega 3s and green tea You might struggle with brain fog, tiredness, and wonder how to improve concentration. Imagine being able to start each day full of energy, feeling rested and positive, having a better memory, and ready to overcome any obstacle that may arise. Thanks to recent advances in neurosciences this ideal life is now within reach! Adult Neurogenesis — The Key Factor for Brain Health? Neurogenesis is the formation of new neural system cells from stem cells, and it occurs rapidly in the prenatal phase. It was previously thought to cease soon after birth, but the formation of certain brain cells continues at low rate throughout the entire lifetime. The renewal of brain cells doesn’t happen in every part of the brain, but does occur in the hippocampus, which is responsible for consolidation of information and plays a role in long-term mood regulation. Finding and understanding the role of adult neurogenesis is one of the most revolutionary discoveries of brain sciences in the past decades. Based on scientific studies, a higher rate of adult neurogenesis is associated with many favorable outcomes including: - Overall cognitive flexibility - Better learning and memory consolidation - Lower risk for major depressive disorder and anxiety - Lower risk for neurodegenerative disorders (e.g. Alzheimer’s disease) On the other hand, there are several factors known to decrease the rate of the neurogenesis: - Chronic stress - Chronic inflammation - Sleep disruptions - Alcohol consumption - Tobacco There is a huge variation in the natural rate of the neurogenesis between individuals and the rate has been shown to be inheritable. With a low rate of neurogenesis, a person is prone to cognitive disorders, memory loss, depression, and anxiety. With a high rate of neurogenesis, a person can better preserve cognitive abilities, is more immune to adversities of life, and can more easily combat neurodegenerative disorders and the naturally occurring age-related decline of the IQ. Luckily, adopting a healthy lifestyle with a few carefully chosen natural diet supplements can easily increase neurogenesis. This article concentrates on the lifestyle factors, foods, and supplements that promote neurogenesis. Blueberry Health Benefits Blueberries Vaccinium corymbosum and their European “cousins” bilberries (Vaccinum Myrtillus L.) have been classified as superfruits for years due to their general health-boosting properties. Numerous studies support this claim and the body of evidence is constantly growing as new studies are conducted. The beneficial health effects of the blueberry are due to its high anthocyanin content. Anthocyanins, one of the major flavonoid classes, are phenolic structures that are responsible for the blue, purple, violet or red pigment of fruits and berries. Anthocyanins act as strong antioxidants and they have also anti-inflammatory and anti-cancer properties. Recent studies have revealed that blueberries also promote neurogenesis and reverse the age-related cognitive decline in both human and animals. Blueberries has been shown to increase neurogenesis in aged rats. Another rat study found blueberry supplementation to improve spatial memory in young rats. The researchers found elevated levels of brain-derived neurotrophic factor (BDNF) in blueberry-supplement group, which may give the neurobiological explanation to the abovementioned positive cognitive outcomes. Results from human trials are even more convincing. In a 12-week trial with participants with mild cognitive impairment (a pre-dementia phase) blueberry supplementation was linked with a significant memory improvement. In addition, there was a trend suggesting reduced depressive symptoms and lower blood glucose levels. Another study conducted with older people with mild cognitive impairment showed blueberry supplementation equivalent to a cup a day led to enhanced neuronal activity in working memory tasks over the course of 16 weeks. In addition to positive cognitive effects in peoples with mild cognitive changes, supplementation with anthocyanin-rich blueberry concentrate also improves brain blood perfusion in areas associated with cognitive function in healthy older individuals. All these advantageous effects combined make blueberries a miraculous supplement and almost too good to be true! Omega-3 Health Benefits Omega-3 is the name given to a group of polyunsaturated fatty acids that are probably the most thoroughly investigated diet supplement. There are three types of omega-3 fatty acids involved in human physiology: α-linolenic acid (ALA, 18 carbons and 3 double bonds), found naturally in plant oils, and eicosapentaenoic acid (EPA, 20 carbons and 5 double bonds) and docosahexaenoic acid (DHA, 22 carbons and 6 double bonds), both commonly found in abundance in cold water marine oils. Marine algae and phytoplankton are primary sources of DHA and EPA and these omega-3s end up and accumulate in large cold-water fishes like salmon and tuna due to the marine food chain. Vegetables, fruits and nuts rich in ALA includes walnuts, edible oils, flaxseed oil and hemp oil and avocado. Omega 3 fatty acids are of crucial importance in normal cell metabolism in many cells but especially in the brain where DHA comprises of 40% of polyunsaturated fatty acids. Mammals can’t synthesize omega 3s from short chain triglycerides, but can synthesize longer-chain omega 3s (DHA and EPA) from shorter-chain omega-3 fatty acid ALA. This conversion from ALA to the important DHA and EPA may decline in aging. Previously it was thought that dietary supplementation of omega-3 fatty acids can prevent cardiovascular diseases and cancer, but recent large meta-analyses failed to support these claims. However, the evidence of omega-3’s brain and mental health supporting effects is strong: omega-3s enhance neurogenesis in-vitro and in-vivo in rat embryos. Omega-3s have been shown to increase BDNF levels in obese rats and in people with coronary artery disease. Low levels of omega-3 are reported in people with psychiatric disorders, especially with major depressive disorder (MDD). Implementing omega-3 into diet reduces depressive symptoms significantly. The evidence for omega-3’s positive effects in MDD treatment is so firm that omega-3s are recommended in the major treatment guidelines. Dietary supplementation of omega-3s, especially DHA, has been linked with better cognitive functions in older people with mild cognitive impairment. Red blood cell concentrations of DHA and EPA (indicating 3 months average supply rate) were shown to correlate with total brain and hippocampal volumes in postmenopausal women in an 8-year follow-up study. This finding indicates omega-3s can slow down the age-related atrophy of brain cortex and hippocampus, a known risk factor for dementia. As you can see, omega-3s help to preserve normal cognitive functions in an aging population, but what is the case with children? A meta-analysis studying effective ways to boost the IQ of children IQ found supplementing either a pregnant mother or infant formula with polyunsaturated fatty acid raising a young child’s IQ by more than 3.5 points. For the record, the other effective measures were early educational interventions, reading to children in an interactive manner and sending children to preschool. How to improve memory? Based on scientific research it has been shown that memory can be improved naturally. The role of adult neurogenesis plays a big part in improving memory and your brain health. To improve memory, remember these nutrients and put them into your everyday eating: - Blueberry - Curcumin - Omega 3 - Green Tea If you want to check out our fun IQ tests to test your memory and visualization skills, click on the link below: HAVE YOU EATEN YOUR SUPERFOODS? TEST YOUR IQ AND BOOST YOUR BRAIN → officialiqtests.com Source: https://medium.com/iq-test/how-to-improve-memory-naturally-46a8876b32a5
Navigating Insurance in a Divorce
The end of a marriage introduces a host of new challenges to both of your lives. Navigating all the paperwork and division of assets can become quickly overwhelming at a time where your emotions are overtaxed and your future unclear. Fortunately, you have help. Dividing and finding new insurance policies for both of you is an often neglected matter to sort through, but it’s wise to include this topic of discussion early on in the process. Read on for important tips when it comes to handling your insurance policies in a divorce in order to save the both of you a bigger financial headache later on. Make Decisions Early Just like determining who gets your fine china in the divorce, make sure that before filing any divorce or separation paperwork that your insurance directives are clear and fair for all parties. Insurance coverage varies by several factors, including income status, residential status, marital status and other variables. It is likely best to set up your own insurance policy in the event of a divorce no matter what, so start to search around and request insurance quotes from reputable companies in your area. Above all, carefully look over your divorce decree before signing, as it will be challenging to change later on. Health Insurance Maintaining personal health insurance without a lapse in coverage is crucial to avoid both any expensive medical emergencies and any penalties at tax time for the uninsured. If your health insurance policy was covered by your spouse’s employer, don’t wait to find a new plan. Some states allow non-family members to be on a health insurance plan, while others do not. Check your state’s policy, or discuss with your soon to be ex spouse about what options are feasible for you. You may be able to remain covered on their plan, provided you pay for it yourself through COBRA for up to three years. If you or your spouse were covered by a policy provided through your employer, you’ll no longer be obligated to provide the coverage opportunity to them. Auto Insurance Once you’ve decided who gets which vehicle, you will both need your own car insurance policies. Your insurance agent will need to be notified about the divorce so they can remove your spouse as a covered driver on the policy. It’s possible that you will pay more for your own policy, as many carriers provide discounts for multiple cars on the same policy or for married couples. If you need to find your own policy, shop around for quotes from different agencies in order to get the best deal. If you have teenage drivers, decide whose policy will cover them. Most often, policies will cover families at the same residential address, so whomever they primarily live with. In some cases, they will need to be insured on both parents’ policies. Check with your agent to be sure of what your circumstances will require. Life Insurance If either of you have a life insurance policy, you’ve likely named your spouse as the primary beneficiary. Many will choose to keep things this way, especially if there are children involved. In the event of your death, a life insurance policy could be used to provide financial assistance to your children through tuition or child support payments. Life insurance is perhaps the insurance policy most overlooked in the event of a divorce. In fact, it’s so often neglected in divorce paperwork that many states will automatically dismiss an ex-spouse as the primary beneficiary during a divorce. Talk with your insurance agent or other financial advisor to determine what the best course of action will be for you and your situation. You may need to complete additional forms to either maintain your ex-spouse as beneficiary, or to transfer those rights to another individual. Home Insurance In most divorces, at least one partner will need to change residences. Depending on who keeps the primary home or residence, you will need to make changes to your homeowner insurance policies, including your possessions and other assets. If keeping the family home, your policy can be adjusted to include your name only. If you’re looking for a new place to live and are considering an apartment or lease, start researching renter’s insurance. Renter’s insurance will provide coverage for your possessions that are lost or damaged through vandalism, fire or theft. You will also be covered in case a visitor becomes injured, paying a portion of their medical fees. Divorce is something nobody wants to go through, but with careful consideration of your finances and life circumstances, you can better manage all the changes involved in going from a couple to a single individual. Keep in touch with a qualified insurance agent to make sure you’re not missing any details and maintain adequate coverage, so you don’t face any financial setbacks in the future.