Like millions of Canadians, Tim Potter is living with a serious medical condition that has made it difficult, if not impossible, to secure meaningful life insurance.
The Halifax father of seven was diagnosed 26 years ago with Type 1 diabetes.
While his wife quickly obtained insurance coverage a decade ago, the stay-at-home dad was denied coverage. It has left him worried about his wife and young family’s welfare when he’s no longer around.
“I feel like I would be leaving her and the kids quite empty-handed if anything were to happen to me,” he said.
Potter feels stressed because all he’s been able to secure is a couple of policies that will pay just enough to cover his funeral expenses.
Securing affordable life insurance is a growing problem as more Canadians are diagnosed with serious ailments.
Half of Canadians will develop cancer at some point in their lives, the Canadian Cancer Society says. The Heart and Stroke foundation points to an increase in the number of people with heart conditions and strokes. And about eight per cent of Canadians have been diagnosed with diabetes, a condition that’s growing in frequency amid an aging population.
“It’s an epidemic,” said Joan King, director of government relations for Diabetes Canada. The number of Canadians with diabetes has doubled since 2000, she noted.
As well as diabetes, people with severe mental illness, HIV, heart conditions and other serious ailments can be left in the lurch. Other red flags for insurers can include travel to certain parts of the world or risky recreational activities.
There’s also a trend of people needing insurance for a longer period because they have families later in life or haven’t paid off their mortgage yet.
“The issue of pre-existing conditions is a bit of a growing issue because people are needing term insurance longer in their life because of the financial pressures today,” said Kevan Penonzek, manager of Insurance Direct Canada in Vancouver.
“They’re working later, they’re carrying debt longer, mortgage longer so they feel like they need term insurance to cover off that risk. And so it becomes harder when you’re 60 to 70, because people then have health issues.”
It’s a definite problem, says Michael Aziz, co-president of Canada Protection Plan, which seeks to fill the void left by traditional insurers by offering coverage that doesn’t require a medical examination.
Aziz said more carriers are adopting its simplified approach that offers certain coverage within days of answering a detailed questionnaire.
“We’ve seen our premium numbers or policies grow by 40 to 50 per cent for the last five years so that’s a good sign and we’ve seen other carriers starting to look at the non-medical space as well,” he said.
But the simplified coverage comes at a price. Premiums can be 50 to 300 per cent higher than traditional term policies and coverage limits are lower.
Insurance companies have become much more liberal about covering people with health issues, said Lorne Marr, director of new business for LSM Insurance, which owns No Medical Exam Life Insurance.
“Years ago if you had diabetes … you were declined for insurance, but now most, almost all, diabetics can get some form of life insurance,” he said.
Marr said the situation changed because insurance companies have more data to evaluate life expectancy while medications and treatments have also improved.
“There used to be only one or two companies offering these type of policies, now there’s probably 10 different companies.”
No Medical Exam Life Insurance offers two forms of term insurance — Guaranteed Issue for people facing, for example, a serious cancer diagnosis; and Simplified Issue, a less expensive policy used for people with more manageable and less severe conditions.
With new and better treatments come changes from insurers. Canada Protection Plan has followed Manulife and Sun Life, which in 2016 began to offer insurance to some HIV-positive clients.
Traditional carriers require these patients have five years of stability on anti-retroviral therapy, an undetectable viral load and receive treatment by an HIV expert. Manulife precludes those with hepatitis, a history of intravenous drug use or other substance abuse, history of coronary artery disease, diabetes, cancer and AIDS-defining illness.
Canada Protection Plan doesn’t have these restrictions and offers $50,000 of coverage. That’s much less than the million-dollar limit by Sun Life and up to $2 million for Manulife applicants aged 30 to 65.
Still, not everyone benefits from the insurers’ more open approach. Intravenous drug users, for example are denied coverage, which can be a problem for some people living with HIV, said Tammy Yates, executive director of community advocacy group Realize.
She argues that insurance companies should shorten the five-year treatment requirement to two years since medical advancements have improved life expectancy.
The history of the illness and the public stigma towards those living with HIV has ensured that very few people even contemplate seeking insurance coverage, said Shaun Proulx, a Realize board member.
In the early days of the illness, there was no chance of even considering insurance, he said.
“But there was a frustrating period after that when people were living longer and having healthier lives and were still being denied insurance as well and it made no sense.”
Proulx says the insurance companies aren’t doing enough to educate those living with HIV about availability.
“That’s an enormous amount of business that they’re leaving behind on the table.”
This report by The Canadian Press was first published Dec. 29, 2019.
First European in Italy died of coronavirus – Bandera County Courier
First European in Italy died of coronavirus
In Italy the first European died of coronavirus. The victim is a 78 -year-old Italian , who had previously tested positive for the virus, said Italy’s Health Minister Roberto Speranza on Friday. The minister further explained that the man was treated for another illness about ten days ago in a hospital in the Veneto region in northern Italy. A death had already been reported in France a few days ago. However, this was a tourist from China. (AFP)
Italian cities close schools and authorities
Out of fear of further spread of the new corona virus at least ten northern Italian cities the immediate closure of schools, authorities and other public buildings. Grocery stores, bars, discos and sports centers in the affected areas should also be closed for at least a week, Italy’s Minister of Health Roberto Speranza said after a crisis meeting that had been called up for more than a dozen new cases of infection in northern Italy.
14 According to the authorities, people were killed in Lombardy in and around the small town of Codogno tested positive for the virus. Everyone had apparently visited the same bar beforehand and had contact with the same people. In the affected areas in Lombardy, the authorities called 50. 00 0 people don’t try to leave their homes. Two other cases have been confirmed in the Veneto region by local authorities.
The Mayor of the Lombard city of Codogno had previously ordered that all be public Building of the 15. 00 0 -Inhabitant location should remain closed for a period of up to five days. Several positive corona virus tests in the community “created an alarm situation,” said Francesco Passerini.
Covid’s lung disease – 19 according to local authorities, among other things, one 38 – year old man in Codogno, who is now being treated in an intensive care unit. In addition, his pregnant wife and a friend of the patient were infected. (AFP)
WHO raises alarm
Im Fighting the new corona virus have new ones Foci of infection in and outside of China the World Health Organization WHO alarmed. WHO chief Tedros Adhanom Ghebreyesus warned on Friday that “Time window” to contain the epidemic is closing. Before there were new ones Foci of infection reported from both China and several other countries Service. Four people in Iran have already died of the lung disease Covid – 19.
“We are still in a phase where containment is possible is, “said Ghebreyesus.” But the time window is closing more and more. “If the world doesn’t go “hard” against the virus now, it’ll face you “serious problem”.
The Chinese authorities admitted that there are in several prisons across the country more than 500 infected give. 230 Infections were found only in the women’s prison in Wuhan, the epicenter of the Epidemic, registered. In addition to the Hubei province, there are also eastern ones Shandong and Zhejiang provinces with coronavirus cases. Also kicked in the Beijing Fuxing Hospital, new infections are piling up.
of China Head of state Xi Jinping said at a Politburo meeting, the culmination of the Epidemic “had not yet come”, especially the situation in Hubei was still “dark and complicated” . In Hubei, the causative agent was in December Respiratory disease Covid – 19 was first found in humans. In Mainland China has so far been around according to the authorities 75. 00 0 people with the virus, more than 2200 of them died. (AFP)
Celebrated doctor in Wuhan dies of coronavirus
The 29 year-old doctor Peng Yinhua from Wuhan died from a coronavirus infection. The newspaper “China Daily” reports. Peng, who works at First People’s Hospital, was celebrated in the media for his efforts. He had postponed his wedding to devote himself to fighting the virus. (Tsp)
Training of volunteers for Olympic Games in Tokyo postponed
Training of volunteers for the Olympic Games 2020 in Tokyo have been suspended due to the corona virus. The organizing committee announced that the training unit scheduled for Saturday would be postponed. The volunteers have been preparing for their work at the summer games since October.
The organizers emphasized in the Notice again that despite the dangers of spreading the Sars-CoV-2 virus there are no considerations , “cancel the games” . The postponement of the training had no influence on the preparation. (AP)
Two more dead in Iran
According to the Ministry of Health, there are in Iran two more Covid – 19 – patient died. “In the last few days there have been positive test results with 13 other coronavirus Sars-CoV-2 patients and unfortunately two of them have died in the meantime, ”tweeted Ministry spokesman Kianusch Dschahnpur.
Of the 13 patients come from the capital Tehran, seven from the city of Qom and four from the Gilan province on the Caspian Sea in Northern Iran , said the spokesman. The spokesman did not give any further details about the two dead and the patients.
Yes on Wednesday in Qom were two patients with the lung disease Covid caused by the virus – 19 died. It is said to be two older men who were brought to the hospital with breathing problems earlier this week. Both were found to have Sars-CoV-2. It is also unclear where the infections came from. According to the local authorities, the people affected have not been abroad recently and not even outside their hometown Qom. They also had no contact with Chinese tourists. Both are said to have had pre-existing conditions: they were victims of chemical weapons, it was said, during the Iran-Iraq war. (AP)
Lebanon reports first case – woman came from Iran
in Lebanon authorities report the first Corona case. It is a 45 year old woman who came to Lebanon on Thursday with a passenger flight from the Iranian Ghom. The woman was quarantined in a Beirut hospital. According to the Minister of Health, there are also two suspected cases. (Reuters)
Economy in the euro area not yet affected
The coronavirus epidemic in China did not initially affect the economy in February Euro area hit. The purchasing manager index for the currency union , which summarizes industry and service providers, climbed surprisingly by 0.3 to 51, 6 points. That comes from the monthly survey of the institute IHS Markit under around 4000 companies. The barometer thus remained above the growth threshold of 50 counters. economists surveyed by Reuters had a decline to 51, 0 points expected . “The economy in the euro zone picked up somewhat in February, although many companies were disturbed by the corona virus in various ways,” said Markit chief economist Chris Williamson.
In Germany, the purchasing manager index fell minimally by 0.1 51, 1 points. Despite the virus crisis, German industry slowed down: Here the barometer surprisingly climbed by 2.5 47,8th Points. Economists, on the other hand, had expected a decline. (Reuters)
So far, the faults in production due to delivery problems have been fairly limited. But we are only at the beginning of a story that could take longer.
Economist Phil Smith on effects on the German economy
15 Returnees from China landed in Stuttgart
In Stuttgart are 15 other Germans arrived in China from the area particularly affected by the coronavirus. The plane landed at Stuttgart Airport in the afternoon, as a spokeswoman for the State Social Ministry said. The returnees were immediately examined medically and are said to be isolated in a hotel in Kirchheim unter Teck near Stuttgart. (AFP)
World Health Organization lacks money
With Ebola in the Congo and the new one, currently especially in China circulating lung disease Covid – 19 the World Health Organization ( WHO) for the first time to deal with two health emergencies of international scope at the same time . She urgently needs money for both of them, but the funds flow only sparingly, as she announced in Geneva. In the case of the Sars-CoV-2 coronavirus, the Covid – 19, the WHO therefore needs 625 million euros.
For example, countries with weak health systems are supported so that they are prepared in the event of an outbreak. By April there should be almost 57 million euros are used, but so far only 1.1 million euros, two percent of the total, went to the accounts of the WHO , as the organization announced. The money comes from Ireland, Slovakia and from a UN-owned pot. The Bill and Melinda Gates Foundation, Canada, the Czech Republic, Japan, Norway and Great Britain had promised money.
WHO chief Tedros Adhanom Ghebreyesus repeatedly emphasizes that it’s a lot cheaper is to invest in prevention and preparation now than later with the Consequences of spreading the virus to live.
For the fight against Ebola the demand from January to June was according to WHO information 77 Million Euros. Of which were still missing 37 Millions. (AP)
China returnees in Berlin can go home on Sunday
For the 20 China returnees in Berlin will end the two-week quarantine on Sunday due to the Sars-CoV-2 coronavirus. Even in the fourth and last test, no infection was detected in humans, said Lena Högemann, spokeswoman for the health administration. The 16 Adults and four children are allowed in the course of Sunday go home.
They were accommodated in an isolated area on the grounds of the DRK clinics in Köpenick. The Germans and their family members had in the severe of the lung disease Covid – 19 affected Chinese city of Wuhan was stopped and had been flown out. (AP)
In Bavaria only two patients in clinic
In Bavaria only two of the original 14 treated with coronavirus patients in hospital. Another patient has meanwhile been discharged from the Munich Clinic Schwabing , said the Bavarian Ministry of Health.
Prerequisites for dismissal include several negative tests for the Sars-CoV-2 virus . The Robert Koch Institute has defined the criteria.
All 14 Corona cases in the Free State were related to the Stockdorf auto supplier Webasto. A Chinese colleague had introduced the pathogen during a business trip in January. Some employees were infected, and relatives were sometimes infected. (AP)
Ukrainian government sees “information war”
Ukrainian Prime Minister Oleksiy Honcharuk sees his country exposed to an “information war” that is fueling fear of the corona virus. He referred to fake emails that were allegedly sent by the Ministry of Health. It reported falsely about deaths. Due to the uncertainties, violent protests against patients who had been evacuated from China occurred outside a hospital in Novi Sanzhary. 24 Demonstrators were arrested. (Reuters)
China returnees in Baden-Württemberg are in hotel quarantine
The expected returnees from the Chinese who have been particularly affected by the new corona virus As a precaution , the province of Hubei should be isolated in a hotel in Kirchheim / Teck (Esslingen district) . In China are all 15 people negative for the disease the Baden-Württemberg Ministry of Social Affairs in Stuttgart announced. The travelers first landed in Paris. Immediately after arrival in Stuttgart they should be examined again at the airport.
The returnees are looked after by the German Red Cross (DRK). The passengers are German citizens and their relatives. You have been abroad for a longer time and no longer have a permanent residence in Germany. People should 14 Stay in quarantine for days to ensure that no illness has occurred, the Ministry of Social Affairs said.
The local health department of the Esslingen district is responsible. All measures that are required from a medical point of view according to current knowledge are ordered. According to the information provided by the DRK, around 40 employee entrusted with the case. It had already operated a quarantine station in Germersheim (Rhineland-Palatinate) and is currently looking after one in Berlin. (AP)
IMF is considering economic stimulus measures in large industrialized countries
The managing director of the International Monetary Fund (IMF), Kristalina Georgiewa, has announced joint economic stimulus measures from the major industrialized countries if the economic effects of the corona epidemic necessitate this. “If we find that the epidemic will have more serious consequences than previously thought, we will take coordinated measures to support the global economy” , she said to the “mirror”.
This weekend, the finance ministers of the 20 largest industrialized countries in the Saudi Arabian riad advised on the situation. The IMF boss does not rule out that the virus could cause greater damage than the Sars epidemic before 17 years . “This virus is different, and China is more than twice the global economy than it was then,” she said.
Georgiewa called on the EU countries to support the planned green deal with appropriate reforms in their financial sector. “The governments in Berlin, Paris or Brussels have to ask themselves how they can mobilize private capital more effectively,” she said. “Necessary are progress in the European Capital Markets Union and more cross-border mergers in the banking sector. “
More and more infections in China’s prisons
In Chinese Prisons in at least three provinces in the country have so far more than 450 inmates and seven supervisors with the novel Corona virus infected. Prisons in the severely affected by the lung disease Covid – 19 affected Hubei province in central China, but also in eastern provinces of Zhejiang and Shandong, as reported by the newspaper “Global Times”.
As a consequence, the responsible Detention centers and judiciary in Zhejiang and Shandong have been released from their posts. In the province of Hubei alone 220 infections have been reported – In a “handwritten report” from the prison administration, because there is no computer-based reporting system, as the newspaper reported.
In Rencheng Prison in Shandong there are more 207 infections, including seven police officers. The provincial judicial administration party leader was fired because he had not prevented the outbreak, the newspaper said. Also in Zhejiang province are in the Shilifang Detention Center 34 inmates infected, the sheet reported on Twitter. They were brought to hospital for treatment.
In the cramped and crowded Chinese prison With poor medical care, the virus could spread easily, the “Global Times” quoted an official who did not want to be named. “It is not easy to discover suspect patients with inadequate medical facilities in prisons and to prevent the transmission channels in good time.” (Dpa)
China expects foreign trade to collapse
The Chinese government expects foreign trade to collapse in the first two months due to the coronavirus epidemic of the year. “We expect import and export growth to slow sharply in January and February,” said Li Xingqian, director of the Department of Commerce’s foreign trade department. Exports contribute about a fifth to the gross domestic product of the export world champion.
There are numerous factories to curb the epidemic quiet. Others have difficulty restarting production due to a lack of labor and raw materials after the forced break. The government therefore wants to help companies. The Ministry of Commerce is currently investigating which tax, financial and insurance measures are suitable. It is expected that foreign companies in most parts of the country will resume production by the end of February.
Not just the industry, but also the service providers are suffering from the epidemic. The outbreak is also putting significant pressure on this area, said Xian Guoyi, director of the Department of Services and Commercial Services. The tourism and transport sectors in particular are suffering. (Reuters)
Machine with Chinese returnees is late
The arrival of a machine in Stuttgart with returnees out the Chinese city of Wuhan, which is particularly affected by the new corona virus, is delayed. The plane with 15 People are likely to meet against 12. 00 clock on, announced the German Red Cross (DRK) on Friday. According to the plan, the travelers should stop in Paris. The authorities assume that the passengers are healthy. The health authorities are prepared for the arrival of people, said a spokesman for the bath -wuerttemberg Ministry of Social Affairs. The returnees would still be examined at the airport. Then they should be brought to a quarantine station in the Esslingen district. The DRK had already operated a quarantine station in Germersheim (Rhineland-Palatinate) and is currently looking after one in Berlin. (AP)
Hundreds are allowed to leave the cruise ship
More than 400 Passengers of the cruise ship “Diamond Princess” in front of Yokohama are preparing to leave the ship. 3700 People on board the ship have been in quarantine since February 3, at 600 the virus was detected by them. Two of them, Japanese in their eighties, died on Thursday. (Reuters)
Japan continues Olympic preparations despite virus
Japan continues despite Concern for the new coronavirus preparations for the Olympic Games in around five months away. The International Olympic Committee (IOC) has confidence in Japan’s handling of the Sars-CoV-2 pathogen, said Japanese government spokesman Yoshihide Suga in Tokyo. It will coordinate closely with the IOC, the organizing committee and the Tokyo city government as the host. Preparations for the games from 24. July to August 9th would be continued so that athletes and spectators can “feel safe” during the games said Suga.
With more than 700 Cases, Japan counts most infections with the new pathogen outside of China. Alone 634 of which so far affect people who are on board the to Cruise ship “Diamond Princess” quarantined two days ago. Nevertheless, fear of the virus is affecting more and more sporting events in Japan.
After the organizers of the traditional Tokyo marathon recently decided that in This year only top athletes, but no amateurs are allowed to participate, the same has now been decided for the women’s marathon in Nagoya. The city marathon in Nagoya was also canceled entirely. In addition, the Japanese Association of Parasporters canceled one 28. February three-day bocce competition planned, which should also compete with foreigners.
of Japan Health Minister Katsunobu Kato called on the organizers of various events to rethink their plans. However, the government is not currently demanding a cancellation. After discussions with the World Health Organization (WHO), the IOC is convinced that the Tokyo Olympics do not have to be canceled or relocated to another location due to the corona virus.
John Coates, chair of the IOC Coordinating Commission, said last week in the Japanese capital that “the games will be played in a manner that is safe for athletes and spectators.” The head of the Japanese Olympic Committee, Yoshiro Mori, had previously confirmed that the planning would not be affected by the new lung disease. The games have the slogan “United by Emotion” (” United by feeling “). The motto emphasizes the power of sport to bring people from different backgrounds together, according to the organizing committee. (AP)
Control of the infectious disease is a top priority – this effort connects all countries in the world. A guest contribution by the Chinese ambassador.
China: Death Toll From Coronavirus Rises To 2345 – Eurasia Review
China’s National Health Commission said 2,345 people have died in the country from the new coronavirus, which has infected 76,288 people, CNBC reports.
Thousands of DuPont employees are working around the clock to increase production of protective garments that are in high demand by first responders and medical workers in high-impact regions like Wuhan, China. The protective suits are used by health professionals during the outbreaks to reduce the risk of infection. Reports from China show workers running low on safety supplies including garments and masks.
South Korean health officials confirmed another 87 cases, bringing the country’s total to 433.
The Korea Centers for Disease Control and Prevention said 62 of the 87 new cases stem from the Shincheonji Church of Jesus in the southeastern city of Daegu. It also said three of the 87 new cases stemmed from another large cluster tied to the Cheongdo Daenam Hospital.
As reported earlier, an elderly man in the northern city of Padua has died after being infected with the coronavirus, becoming the first Italian victim of the disease, Health Minister Roberto Speranza said on Friday, February 21.
Please Donate Today
Did you enjoy this article? Then please consider donating today to ensure that Eurasia Review can continue to be able to provide similar content.
Coronavirus symptoms: How the COVID-19 disease progresses day by day – Business Insider – Business Insider
Foto: AP Photo/Vincent Thian
It starts with a fever. That’s the most common symptom among patients who get the new coronavirus that has swept across China.
A recent study of nearly 140 patients at the Zhongnan Hospital of Wuhan University identified a typical pattern of symptoms associated with the virus, which causes a disease known as COVID-19. Around 99% of the patients developed a high temperature, while more than half experienced fatigue and a dry cough. About a third also experienced muscle pain and difficulty breathing.
Research from the Chinese Center for Disease Control suggests that around 80% of coronavirus cases are mild. Around 15% of patients have gotten severe cases, and 5% have become critically ill.
Here’s how symptoms progress among typical patients:
- Day 1: Patients run a fever. They may also experience fatigue, muscle pain, and a dry cough. A small minority of them may have had diarrhea or nausea one to two days before.
- Day 5: Patients may have difficulty breathing – especially if they are older or have a preexisting health condition.
- Day 7: This is how long it takes, on average, before patients are admitted to a hospital, according to the Wuhan University study.
- Day 8: At this point, patients with severe cases (15%, according to the Chinese CDC) develop acute respiratory distress syndrome (ARDS), an illness that occurs when fluid builds up the lungs. ARDS is often fatal.
- Day 10: If patients have worsening symptoms, this is the time in the disease’s progression when they’re most likely to be admitted to the ICU. These patients probably have more abdominal pain and appetite loss than patients with milder cases. Only a small fraction die: The current fatality rate hovers around 2%.
- Day 17: On average, people who recover from the virus are discharged from the hospital after two-and-a-half weeks.
However, the first symptoms might not come right after a person has been infected. Lauren Ancel Meyers, an epidemiologist at the University of Texas at Austin, told Business Insider that a typical patient may be infected without showing symptoms for five or more days.
Once symptoms do appear, they can be similar to pneumonia. But Paras Lakhani, a radiologist at Thomas Jefferson University, told Business Insider that the way COVID-19 can worsen over time distinguishes it from pneumonia.
„Pneumonia usually doesn’t rapidly progress,“ Lakhani said. „Typically, most hospitals will treat with antibiotics and patients will stabilize and then start to get better.“
Coronavirus patients, however, can get worse even after they receive treatment such as fluids or steroids. One case study found that three days after a 33-year-old woman started receiving treatment at a hospital in Lanzhou, her case was more pronounced than when she arrived.
In total, the new coronavirus has killed more than 2,200 people and infected more than 76,000. It originated in Wuhan, central China’s most populous city, and has since spread to 29 other countries. The majority of cases are still located on the Chinese mainland.
Read more about the coronavirus:
6-time Canadian curling champion Jennifer Jones denied a 7th title – CBC.ca
Samsung Galaxy Z Flip factory reportedly closes due to coronavirus infection – CNET
First European in Italy died of coronavirus – Bandera County Courier
Iran anticipates renewed protests amid social media shutdown
Popular Richmond BBQ spot speaks out about coronavirus rumours after man collapses outside restaurant – Vancouver Is Awesome
Real Estate Board of Greater Vancouver reports January housing sales up 42.4 percent
- Economy10 hours ago
UAE economy grew at 2.9% in 2019, central bank says – TheChronicleHerald.ca
- Health23 hours ago
Coronavirus incubation could be as long as 27 days, Chinese provincial government says – Yahoo India News
- Health5 hours ago
Coronavirus, Covid-19, Could Become The Deadliest Virus Ever
- News17 hours ago
Security company says guard who blocked CBC News camera was 'instructed by the PC party' – CBC.ca
- Science22 hours ago
Mars: Scientist claims that 100,000 people will live on the Red Planet by the end of the century – EconoTimes
- Tech24 hours ago
Animal Crossing: New Horizons Merch Includes Switch Console Skins, Carrying Cases, And Controllers – GameSpot
- News21 hours ago
'Are they coming for us?' Couple returns to Canada after 'nightmare' vacation on quarantined cruise ship – CTV News
- Media20 hours ago
Coronavirus: Russia denies spreading US conspiracy on social media – BBC News