Financial Assistance For Cataract Surgery – Your Complete Guide!

First of all, what do you know about cataract?

Cataract is the most common eye disease in which people usually face the problem of clouding of the natural lens of the eye. This problem also results into the problem of blindness.

Metabolic changes happening in the crystalline lens fibers over a long duration of time may lead to the risk of the cataract and partial loss or total loss of transparency. Consequently, this may lead to the loss of the eye sight.

What should be ideally done during the surgical operation?

During the cataract surgery, the cloudy natural lens of the eye is removed and the lens’s transparency is restored by replacing it with a synthetic lens. It is usually accepted that a normal cataract operation can cost patients as much as their annual income.

What are the indirect costs incurred during the surgery?

As a matter of fact, indirect costs usually include travel and accommodation, which are much high in a large city. Only a few handfuls persons are able to operate their eye disease at the early stage, but the rest of the general public depend on a financial assistance for cataract surgery.

What is the good news in this article?

Lots of money is invested in the cataract surgery, usual prescriptions, and medical care. Therefore, it is not unusual to get this kind of help and, therefore, it is advisable for the patients to access financial help resources under the certain criteria on medical basis.

Who qualifies for financial aid applications for cataract surgery?

Obviously, a financial aid application can be filled by those patients with a certificate from their personal eye doctor asking for a medical assistance. In most cases, the grant is approved after a detailed analysis of the given reports by a panel of doctors.

Who comes under this funding option?

Patients, who need a treatment for glaucoma and an implantable contact lens, are also generally covered in this funding. If a patient has a low income, then he/she is qualified to apply for a medical aid program.

In this case, financial assistance for cataract surgery may pay half or almost the total cost for contact lens or glasses. This is generally applicable, if the patient requires them after a successful surgery.

What happens in case patients need to undergo the surgery immediately?

Those patients, who are in need of an immediate cataract surgery, can claim for cataract surgery recovery treatment from the hospital. To do it the right way, they need to present valid medical documents in front of a highly experienced panel of doctors.

Where should you go if you are plan-free?

In some countries, e.g. United States, England, Germany, national resources provide financial aid on regular bases to people who have problems with their eyes. For example, Recognized Eye Institute (REI) that supports eye research does help patients to pay for eye care through their financial grants.

It is also recommended to give non-governmental organizations related with eye care a serious try. In many cases, they do offer financial assistance for cataract surgery. If you need further details, then you should drop a visit to eye care information centers, leading eye hospitals, and research centers dealing with eye care.

Why We Must Teach Financial Literacy In School

Few parents of students in grade school, high school or college would disagree if you said; we need to teach basic economics and financial literacy as mandatory parts of our education system, and yet, we don’t? Why – well, that was the question recently put forth at our think tank. What might we teach the kids?

How about how to balance a checkbook, how to calculate simple interest and amortization, and how about personal budgeting and credit card debt issues? How about the tradeoffs of student loans for college tuition – whoops? Is that one taboo – sorry, but why not, why should anything be off-limits. Let’s talk shall we.

You see, one think tank type agreed with me stating that he liked the principle and was amazed it wasn’t already part of the curriculum. Of course, he also told me that my ideas of ‘balancing a checkbook’ were a little archaic stating; “Seriously? How many people still use checks – haven’t written one this decade.”

Okay, I concede that point, still the principles of looking at a bank statement are of value. Interestingly enough, I’ve only written a handful of checks this year myself come to think of it.

Another couple of points – in the USA we see 1.3 Trillion Dollars in outstanding tuition debt – 40% over 90-days in the rears, most of those students will default eventually, worse either way they are economically enslaved as that debt cannot be discharged by bankruptcy, at least not yet, Democrats want to forgive and eventually give free college tuition, still those loans were taken out unwisely.

Another challenge Auto Loans, zero interest, zero payments until next year and loans to those who have very substandard credit, that’s another sign of bad decision making. What if those folks had better knowledge about interest, loans, and money?

When people took out ARM Home Loans during the run-up to the 2008 financial crisis, many said they didn’t understand what they were signing. Maybe they did, but used that as an excuse, either way, they should have known what they were signing and getting themselves into.

Why are we in such a hurry to economically enslave the next generation with debt? They get out of college and cannot buy a car, start a business, or buy a home, how does that help our economy moving forward? Something is amiss, and it is something that we can fix by simply teaching financial literacy, which is just as important for success in life as math, science, reading and writing. Please consider this.

6 Reasons Your College Financial Award Changed

“Why did my financial aid award change?” is typically a question asked after the student has lost money compared to the previous year.  Rarely does anyone ask this question if they received more money.

Here are 6 reasons why a student’s financial award offer will change from year to year…

1.  The family’s income has changed.  If income goes down, then the expected family contribution (EFC) will likely go down.  This typically results in a better financial aid package.  However, it is more likely that your income went up from the previous year.  This means your EFC went up and your financial aid package will be lowered according to the established guidelines.

2.  The family’s assets have changed.  As with income; if the assets go up, EFC goes up.  If the assets go down, EFC goes down.  Since most families will spend assets while their students are in college, this will most often have a downward pressure on your EFC (good for you).  But if you won the lottery or inherited money, those new assets are going to drive your EFC up (bad for you… sort of).

3.  The number of students in college changed.  The more students you have in college… the lower your EFC will be.  If a student graduated last year and you only have one in college this year, then you will see a big spike in that student’s EFC.  Consequently, they will get less financial help from the college.

4.  Changes in the federal Stafford loans.  Stafford loan amounts increase as a student progresses through college.  Currently freshman students can borrow $5,500; sophomores – $6,500; juniors – $7,500; and seniors – $7,500.  As students are able to borrow more under the Stafford program, colleges will typically lower the other sources of help in the financial award.  For instance, the student get’s an addition $1,000 in a Stafford loan, but their college grant is lowered by $1,000.

5.  Your college’s endowment has taken a hard hit in the market.  One of the unfortunate results of the current recession is many colleges have seen their investments drop… big drops in some cases.  This means the schools have less money they can give to their students.  The recession is unfortunately limiting the amount of money many schools are able to give away compared to previous years.

6.  Your college is a cheap-skate.  It is rare, but some colleges will do a bait and switch to get freshmen students.  They will give them very generous offers their first year, but then pull back the money in the subsequent years.  This is not common, but there are unfortunately some institutions that will do this.

Scholarships For Single Moms – Suze Orman’s Tips For Single Moms to Get Financial Aid Revealed!

To be a single mom today is like one of the toughest thing to face in the world. One of the hardest things to do is to pay the huge bills. Dept is a hard reality for everyone but it turns out to be even harder for a single mom. Scholarships for single moms to get financial aid are a must these days. Looking at this, Suze Orman gives you some tips to get financial aid easily. Obama’s government has made this procedure quite easy in the year 2009.

You may begin this by consulting non profits around your resident who offer government financial aid for single moms. These organizations happen to offer assistance in employment, housing and even tuitions. State government also has offered programs to give help to single moms when they are in need. You may refer to TANF; it’s a program that helps you with food stamps, job training and assistance in placements. You can also take help from LIHEAP to give you assistance with the heating bill.

According to Suze Orman, Government assistance programs have certain criteria to give grants. Basic is that a single mom should be very poor in order to qualify for scholarship for single moms.

* Her income should not have many resources as well as they will just prove to be hurdles in her way.

* Some of the single mothers even have to resort in order to get a second job.

* Single mother is also offered to get counseling session to get over stress and frustration.

ASEAN organization gives scholarships for single mom to do their post graduation study. The fact that single parent households are getting increased in number day by day and the head is women leads to the fact that women should be independent and be financially settled. This organization makes it easier for single moms to get their post graduation degree and help them to take care of family side by side. University of waterloo deals with under graduation study and offers scholarships to single mothers.

Society survival in the United States may be dependent on the survival of single mother only. Scholarship for single moms is becoming easier to get provided you fulfill the conditions. This aid proves to be a safeguard for them.