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Buying a Movado Watch can Help with Breast Cancer Awareness

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Home Page > Hobbies > Buying a Movado Watch can Help with Breast Cancer Awareness

Buying a Movado Watch can Help with Breast Cancer Awareness

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Posted: Oct 28, 2010 |Comments: 0
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When you’re a little kid, the month of October is an incredible thing, because it means that Halloween is right around the corner. Every child in America is well aware that October ends with a gigantic costume party that involves fun, adventure, and most important of all, a plethora of free candy.

However, as many adults are aware, October is also Breast Cancer Awareness Month, and because of that many companies and organizations are releasing “pink” memorabilia as a way to warn individuals of the dangers of breast cancer.

Amongst those products is the 2010 Coach “Think Pink” Breast Cancer Awareness Movado watch. A collaboration between designer companies Coach and Movado watch, this timepiece is being sold with the guarantee that 20% of all proceeds are being donated directly to the Breast Cancer Research Foundation. The timepiece is available between October and the end of 2010 at Coach and Movado Watch shops, as well as a number of department stores. With a mother-of-pearl dial, the 2010 Coach “Think Pink” Breast Cancer Awareness Movado watch is well worth the retail price of $248, even if the proceeds weren’t going to support an honorable cause. However, the collaboration between Coach and Movado watch isn’t the only major partnership going on in support of breast cancer research during the month of October. One of the biggest corporations in America is also getting in on the Breast Cancer Awareness: The National Football League

As many fans have undoubtedly noticed, a high majority of NFL players have been wearing pink armbands, gloves, shoes, and towels as a means for showing support for “A Crucial Catch,” a campaign partnership between the NFL and the American Cancer Society. To quote the official NFL website:

“The NFL, its clubs and players are proud to support the fight against breast cancer. Our campaign, “A Crucial Catch”, in partnership with the American Cancer Society, is focused on the importance of annual screenings, especially for women who are over the age of 40. Throughout October, NFL games will feature players, coaches and referees wearing pink game apparel to raise awareness for the campaign, as well as on-field pink ribbon stencils and special K-balls and pink coins. All apparel worn at games by players and coaches and special K-balls and pink coins will auctioned off at NFL Auction (www.NFLAuction.NFL.com), with proceeds benefitting the American Cancer Society and team charities. This is an issue that has directly touched the lives of so many in the NFL family, and we are committed to helping make a difference in breast-cancer prevention.”

There are countless groups and organizations getting in on the action this October. The amount of support truly is unbelievable and seeing “pink” in so many places, from the NFL to a Movado watch, gives even the most pessimistic of individuals the belief that finding a cure is a matter of “when,” not “if.”

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WristClocks.com is your source for designer timepieces by top brands including Movado watch timepieces, Ebel, Baume & Mercier, Longines, and Weil Watches.

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Tips on Buying Custom Silicone Wristband Bracelets

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Home Page > Shopping > Jewelry > Tips on Buying Custom Silicone Wristband Bracelets

Tips on Buying Custom Silicone Wristband Bracelets

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Posted: Sep 16, 2010 |Comments: 0
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Can your genetic makeup stop you from buying life insurance?

By Michelle Matlock, Life Quotes, Inc.

If your grandfather was an alcoholic does that mean that you’re destined to be one as well? What about your mother and aunt who have both been diagnosed with breast cancer?

Your genetics determine more than the color of your eyes and skin, they present a detailed map that illustrates familial traits, ticks, and in some cases, the odds of being stricken by a serious illness.

Following several key court cases beginning in early 2000, genetic testing was used to make unfounded assessments of genetic risks for those seeking employment or insurance.

“We are incredibly vulnerable when it comes to our DNA,” says Dr. Deborah Peel, a practicing physician, boarded psychologist and founder and chair of the non-profit consumer health privacy advocacy organization, patientprivacyrights.org. “I don’t think we realize that when we walk around a room we shed DNA everywhere. This information can be lifted from a glass of water or a soda can. If you can lift off enough microscopic material you can find out a great deal about that person’s genetics.”

Some fear that as genetic testing becomes a routine practice in medical treatment, insurers will find ways to use the information to deny, limit or cancel insurance.

Others fear that the possibility of discriminatory practices concerning genetic tests will bring advancements in human genetics to a grinding halt.

Nowadays, consumers and advocacy groups alike are looking for stronger protections when it comes to who can access their medical records.

In May 2008, former President Bush signed the Genetic Information Nondiscrimination Act of 2007-2008 (GINA) to protect Americans from being discriminated against by heath insurers and employers based solely on their DNA. The United States Department of Health and Human Services, issued a March 2009 guide that tackles GINA in detail. According to the guide: “When making determinations required under 45 CFR 46.111 (a), GINA’s provisions prohibiting discrimination in health coverage based on genetic information do not extend to life insurance, disability insurance, or long-term care insurance. GINA’s provisions prohibiting discrimination by employers based on genetic information generally do not apply to employers with fewer than 15 employees.”

“I find GINA a bit disconcerting,” says Linda McCabe, author and Adjunct Associate Professor of Human Genetics and Pediatrics at the David Geffen School of Medicine at UCLA. “On the one hand it is a very limited step toward providing some protections for individuals who are asymptomatic and would like to have genetic testing done. I’m very concerned that anyone who actually has a disorder or develops a disorder will not be protected. GINA does not protect you if you have symptoms.”

Even after GINA was passed, the American College of Medical Genetics reported receiving a high number of phone calls from physicians about whether patients can pay for genetic testing out of pocket, worried that such information may be used against them by insurers.

A February 2008 survey by the Genetics and Public Policy Center in Washington D.C., showed that an overwhelming majority of the 1,199 Americans surveyed support genetic testing for research and advancements in health care, but a whopping 92 percent were concerned about genetic tests being used to profile their health. While a large majority trusted their doctor’s handling of genetic test results (86 percent), only 16 percent trusted employers who have access to this data. An even lower percentage trusted their insurers with the same information.

Ninety three percent felt genetic testing shouldn’t be used to make decisions to deny or limit insurance coverage or decisions related to hiring and promotion in the workplace.

Of late, the topic has been addressed in regard to health insurers, but very little has been mentioned about what this information could mean to someone applying for life insurance — particularly in the individual market.

Life insurance is of special concern because underwriters assess mortality risk to determine how to rate or deny a policy to those who have a pre-existing medical condition.

“Insurers generally are not quick to embrace new technologies such as genetic testing,” says Whit Cornman, spokesperson for the American Council of Life Insurers (ACLI). “Instead they tend to look at things that have a long proven track record.”

“The run-of-the-mill approach to life insurance involves evaluating factors such as weight, height and a history of chronic disease, insurers are not necessarily looking at genetic information. Also, those factors are certainly less expensive to gather,” says Amanda Arnold, Health Policy and Legislative Analyst for the National Human Genome Research Institute at the National Institutes of Health.

Arnold adds that to date, the NHGR has not received any cases involving genetic discrimination, patient privacy and life insurance, but she understands why genetic testing might interest insurers.

“I can imagine a scenario that it would be in their interest to gather such information when it comes to establishing premiums, but they have better ways to determine a person’s health and set rates,” says Arnold. “In the meantime, we will continue to monitor the issue. If problems emerge at some point in the future, then we would encourage the policy community to look at the implications of the practice and make additional recommendations as it becomes necessary.”

Currently, 43 states have recognized the importance of maintaining the privacy of genetic information. But each state approaches the issue differently. GINA does not trump more expansive state laws.

“State legislatures do so many things at the state level regarding insurance and there are some protections regarding genetic discrimination and patient privacy on the federal level but none apply specifically to life insurance,” says Arnold. “The state level could be where this topic bubbles up, especially if the states start parsing more laws regarding this issue.”

In January 2008,The National Conference of State Legislatures compiled a list of states that strictly prohibit the use of genetic information for risk selection and classification by life insurers. Those states include:

Arizona: Requires “actuarial” justification to use genetic information in life insurance and informed consent to use genetic information.

California: Requires informed consent to use genetic information. Note: In California, an insurer can only require a person to undergo a genetic test if the life insurer explicitly pays for the cost.

Florida: No insurance company shall refuse to issue, fail to deliver, or charge a higher rate solely because a person has a sickle-cell trait.

Maine: Requires Informed consent and allows actuarial justification

Maryland: Allows actuarial justification.

Massachusetts: Allows actuarial justification. Forbids insurance companies from requiring a genetic test.

Minnesota: Requires informed consent and allows actuarial justification.

Montana: Allows actuarial justification.

New Jersey: Allows actuarial justification and requires informed consent.

New Mexico: Allows actuarial justification and requires informed consent. Must notify applicant that genetic test may be used.

New York: Requires informed consent

North Carolina: Restricts discrimination based on genetic information in life insurance, but only applies to “sickle-cell trait, thalassemia-minor trait, hemoglobin C trait and Tay-Sachs trait.

Oregon: Allows actuarial justification and requires informed consent.

Vermont: Restricts discrimination based on genetic information in life insurance.

Notes: An actuary has to “justify” the reason for requiring a policyholder to provide genetic test results

Informed consent. A potential policyholder must agree to take an genetic test through a written informed consent for the test, it must include a description of the test, the reason, potential uses, and other limitations, it must also provide the meaning of its results, and the express right to confidential treatment of the results. The written informed consent must inform the individual that they should consider consulting with a genetic counselor prior to taking the test and must state whether the insurer will pay for the consultation. An informed consent disclosure form must also be approved by the state’s insurance commissioner prior to its use.

Inconclusive

While there are fears that genetic testing has the ability to open a Pandora’s box for those applying for life insurance, authorities in the medical community continue to question the reliability of DNA tests.

Concerned with the possibility that test results are misleading, the FDA and the Federal Trade Commission have also started to question the accuracy of genetic testing.

“DNA shows certain predispositions to illness, but it is not 100 percent precise in determining this predisposition,” says Peel. “Predilection, preferences and behavior are in the gene, but the legitimate studies are just not there yet to actually predict with any confidence if you will become ill, even if you are susceptible to a certain condition.”

The National Institutes of Health have pointed out that clinical genetic tests are available through physicians, genetic counselors and labs, for more than 1,300 diseases, with hundreds more under research.

Harking back to the nature versus nurture debate, geneticists are swimming in a muddy pool of uncertainty when it comes to predicting the full course of a genetic abnormality.

“I don’t know if genetic tests are misleading, but I do know that we don’t have enough data. Most disorders are not caused by a single gene interaction, it’s an interaction of multiple genes combined with our environment,” says McCabe.

Even if you received a positive result for being presymptomatic (when symptoms have not appeared), a genetic test cannot accurately establish the risk of developing an illness. Physicians cannot use your results to predict the course or the severity of a condition. The information a test provides is even more limited when it comes to a condition that is inherited.

Also, DNA testing can miss a disease-causing anomaly because some tests cannot detect all the genetic changes that would jumpstart a particular illness, requiring further testing to confirm a negative result.

“Everyone has common, natural variations in their DNA, (polymorphisms) that have no effect on health,” says McCabe, “If there is a change in the DNA that isn’t associated with the disorder, it can be difficult to determine if it is a natural variation or not.”

She adds, while a result can rule out a specific diagnosis, it cannot show if the person has a higher risk of developing a disease or illness. When this happens, generally family members are also tested to rule out a certain disorder, says McCabe.

McCabe opined that she feels it is not question of accuracy when it comes to genetic tests.

“It’s more about genetic determinism… I don’t think anyone should place too much emphasis on one genetic test result,” she says.

McCabe suggests if you are thinking about submitting your DNA to a genetic test you should work with a board certified genetic professional who specializes in genetic counseling before deciding to go through with a test.

“There are pros and cons that need to be addressed and often patients find it’s really unnecessary,” says McCabe. “Everyone is at risk for a genetic disease, we just may not know what the specific genes are for every DNA mutation in their family. It is very difficult to reach any real conclusions because the number of disorders which we have genetic testing for is still limited.”

This article was originally published at Life Quotes, Inc.

Buying Life Insurance After Being Diagnosed With Cancer

The American Cancer Society estimates doctors will diagnose over 1.4 million new cases of cancer in the U.S. in 2007, with more than 559,650 cancer-related deaths. If you are among the majority of cancer patients and survive for at least five years following your diagnosis, you may face another fight: buying life insurance.

Buying life insurance for cancer patients is challenging, but not necessarily impossible. Your chances for securing a policy depend greatly on the type, stage and grade of the cancer, and even on the treatment plan. There is a relationship between the rate you’ll receive and the curability of your cancer. Certain types of skin cancer, for example, are considered very low risk by life insurance companies and a skin cancer history may not even impact premiums.

Applicants with common and treatable forms of breast and prostate cancer may be able to get a “standard” rating under ideal circumstances. But patients with a history of leukemia or colon cancer may fall into a “substandard” or “high substandard” rating at best, or receive declines. Anyone with cancer that has metastasized likely won’t be able to obtain a policy.

Dr. Charles Levy, senior vice president and chief medical director of AIG American General Domestic Life Insurance Cos., says, “We’re better and better able to differentiate the risks of individual cancers.” Life insurers like AIG American General have sophisticated tables to determine premiums, where they can factor in cancer types and treatments. The end result is better premiums because applicants aren’t lumped together as an “average.”

Most insurers will not offer a policy to someone who is still undergoing treatment for cancer. Depending on your type of cancer, the life insurer may also want to add a surcharge, also called a temporary flat extra. For example, AIG American General sometimes charges temporary flat extras for two to five years, depending on the applicant’s cancer and treatment. The good news is that although these extra premiums can be expensive, they will automatically disappear after a set period of time.

Cancer insurance risk specialists

While a dedicated life insurance agent will search cancer insurance companies to find insurers that will sell you a life insurance policy, in some cases you may be better off seeking out a broker who specializes in finding life insurance for people who have a history of cancer.

These brokers will know the specific questions underwriters will want answered when considering your application. Many brokers have developed relationships with several insurers, so they know which companies offer the best-priced life insurance policies for cancer survivors. Some brokers have experts who specialize in gathering your medical records and organizing them.

By directing your application to life insurers that will view your application most favorably, these brokers will help you find the most accurate price quotes and the lowest premiums for life insurance. Always check the financial strength of the insurer before you buy any policy and be sure that the agent or broker you choose is licensed in your state.

Life insurance strategies for cancer survivors

If you are a healthy cancer survivor, life insurance is even more feasible. There are things you can do to ensure you’re getting the best premium offers possible for your situation.

1. Gather all possible medical records before you apply, from the first pathology report to medical records to treatment records. That ensures medical underwriters have the most complete picture of you, your health, and your cancer history. Having all those records before you apply for cancer insurance will reduce delays in your application process, because your life insurer is going to request them and will wait for them. The information you provide can garner you better premiums in the end: The less life insurer underwriters knows about you, the more likely they are to have to assume you are the highest risk and offer you high premiums accordingly. According to Levy, “If it’s fuzzy, we’re more likely to err on the side of conservatism.”

2. Make sure you have complied with your doctor’s treatment plans. For example, says Levy, if your doctor asked to see you back in one year and you haven’t been back in four years, get to your doctor for your check-up before you apply for life insurance. Your life insurer is not going to offer you a policy without before seeing the results of that check-up. Similarly, if you’ve had breast cancer and you’re due for a mammogram in December and you apply for cancer insurance in October, your life insurer will likely wait for the results of your next mammogram.

3. Get prices from several companies. Policy costs can vary a great deal among companies.

4. See if you can get group life insurance through a professional, fraternal, membership, or political organization to which you belong.

5. Consider a “graded” policy (one with limited benefits) if you cannot get full death benefits. In the first few years of a graded policy, the company pays only the premiums and part of the face value if the insured person dies of a condition, such as cancer, that existed before the policy took effect. If the insured person dies after the specified grading-in period, the company will pay the full face amount of the policy.

If your cancer has been successfully treated, and you are otherwise in good health, you can likely obtain a cancer life insurance policy. If you can show that you are healthy and your treatments have gone well, several insurers may compete for your business.

As Pathway Informatics Matures, Users Refine Buying Criteria, and Vendors Adapt

As Pathway Informatics Matures, Users Refine Buying Criteria, and Vendors Adapt
Over the past two years, the commercial market for pathway data and analysis tools has emerged from relative obscurity to take center stage in the life science informatics sector.

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Posts Tagged ‘Buying’

Buying a Movado Watch can Help with Breast Cancer Awareness

Tips on Buying Custom Silicone Wristband Bracelets

Can your genetic makeup stop you from buying life insurance?

Buying Life Insurance After Being Diagnosed With Cancer

As Pathway Informatics Matures, Users Refine Buying Criteria, and Vendors Adapt

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Posts Tagged ‘Buying’

Buying a Movado Watch can Help with Breast Cancer Awareness

Tips on Buying Custom Silicone Wristband Bracelets

Can your genetic makeup stop you from buying life insurance?

Buying Life Insurance After Being Diagnosed With Cancer

As Pathway Informatics Matures, Users Refine Buying Criteria, and Vendors Adapt

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