Most US doctors when coaxed by patients about prescribing narcotic pain med will do so to appease the patient who might only have a bruise or pain score of less than 5.
Most pain in the elderly are caused by nerve pain with root causes in Diabetes, lack of Vitamin B12, anxiety, stress and lack of care.
The US has a serious opioid problem.
An estimated 2.1 million Americans suffers from substance use disorders related to prescription opioid pain relievers.
To combat that, the CDC has put together a draft of guidelines for prescribing opioids for chronic pain.
The guidelines are designed to help family doctors and general practitioners who prescribe opioid painkillers, a category of medications that includes drugs like Vicodin and OxyContin.
The number of deaths related to overdosing on opioid pain relievers has been on the rise over the past decade, eclipsing deaths related to heroin overdoses.
The CDC’s guidelines, which will be open for public comment through January 13, give suggestions for how opioid painkillers should be prescribed. Importantly, the guidelines aren’t binding; they’re also not intended for doctors who treat people with chronic pain linked with diseases like advanced-stage cancer.
Here are some of the main takeaways for doctors:
Call 408-854-1883 firstname.lastname@example.org , caring Motherhealth caregivers for homebound bay area seniors for holistic caregiving.
My senior client with Parkinson who is addicted to Tramadol is in her doctor’s office asking for pain meds due to a small bruise on her knee. And her doctor prescribed Vicodin. As her caregiver, I discussed this prescription to her family and we ended up not giving the pain med for a small bruise.
Most patients will lie for the severity of pain just to get a pain med prescription. Most doctors have only pain meds to relieve the client’s minor health issue that is metabolic and anxiety related disorder.
Contact Connie Dello Buono 408-854-1883 email@example.com if you wanted to be a med sales rep to show this test tool to US doctors. Doctors can use this genetic tests to personalize drugs based on each person genetic makeup. Now approved by insurance companies.
Pharmacogenetic testing (PGT) detects single nucleotide polymorphism of nine cytochrome P450 enzymes in the liver: CYP2D6, CYP2C9, CYP2C19, CYP3A4, CYP3A5, Factor II, Factor V, MTHFR, VKROC1.
By identifying the genotypes of these enzymes we can predict an individual’s ability to metabolize about 95% of all medications. The phenotypes are assigned based on the patients’ metabolizing ability as poor, intermediate, intermediate-extensive, extensive, and ultra-rapid metabolizers. Armed with the genetic information, physicians can provide personalized care by delivering the right medication at the right dosage to the right patient. In addition, PGT can help reduce adverse drug reactions, avoid drug interactions, prevent overdose and death, and save precious time and medical costs. Our lab’s PGT utilizes the state of the art Luminex 200 platform, FDA approved xTAG technologies, as well as laboratory-developed methods. The test is a simple non-invasive, buccal cell-based cheek swab. The PGT has a short turn-around time and easy to read lab reports.
Individuals who may benefit from PGT include patients with abnormally high or low metabolite to substrate ratios in urine drug screening, patients with multiple organ system issues or on multiple medications, patients who suffer from debilitating adverse drug reactions, and patients who have gone through sequential ineffective drug trials. PGT is proven a useful tool in chronic pain management where the use of narcotics and other medication is likely.
According to the FDA, adverse drug reactions cause over 2 million hospitalizations per year and 106,000 annual deaths, while contributing $136 billion dollars to annual health care costs in our country. These are terrible statistics but the worst part is they are largely avoidable. The best part is that the technology is now available to every physician to ensure patient safety and the best possible treatment plan.
The Office of Investor Education and Advocacy is issuing this Investor Bulletin to highlight information about life settlements and some of the risks these types of transactions may pose for investors. Individual investors considering a life settlement transaction may wish to keep the following points in mind and seek guidance from an unbiased financial professional who will not receive a commission or any other financial benefit from the transaction.
In a “life settlement” transaction, a life insurance policy owner sells his or her policy to an investor in exchange for a lump sum payment. The amount of the payment from the investor to the policy owner is generally less than the death benefit on the policy, but more than its cash surrender value. The dollar amount offered by the investor usually takes into account the insured’s life expectancy (age and health) and the terms and conditions of the insurance policy.
Due to changed family or other circumstances, a life insurance policy owner may no longer need the insurance provided by the policy. A spouse may have died, children may have grown up, or a company with life insurance on a key officer may have been sold or gone out of business. Other policy owners may have difficulty making premium payments or simply need cash. In such circumstances, many policy owners surrender their policies or let their policies lapse by ceasing to make premium payments. Selling a policy to an investor may be another alternative. Such sales may be made through life settlement brokers who charge commissions.
A policy owner may discuss a possible settlement with his or her insurance agent or financial adviser, who then contacts a life settlement broker. In some cases, the policy owner may be solicited directly by a life settlement broker. Life settlement brokers may also be life insurance agents or securities brokers. Depending on the requirements of the states in which they do business, life settlement brokers may be licensed.
The life settlement broker obtains the insured’s authorization to release medical records and forwards the policy owner’s application and medical information to one or more companies known as life settlement providers. Many, but not all, states regulate life settlement providers, who also charge a commission.
The life settlement provider obtains life expectancy estimates on the insured and bids on the application. Life expectancy underwriters (who are not the insured’s personal physician) evaluate the risk of mortality of the insured based on his or her personal characteristics. If the life settlement provider’s bid is accepted, the provider may add that policy to a large group of policies, interests in which may be offered to investors. Institutional investors analyze the information provided by the life settlement provider, often obtaining their own life expectancy estimates. Retail investors, on the other hand, may have to rely on life settlement personnel or other investment professionals to assess the advantages and disadvantages of the transaction. In either case, the investor makes a cash payment to the policy owner or policy owners and continues to pay premiums necessary to keep the policy or policies in effect. Upon the insured’s death, the investor receives the death benefit.
Before investing in a life settlement, investors may wish to keep the following points in mind.
Investors may want to determine whether professionals involved in a life settlement transaction are registered or licensed. To check on the licensing or registration status of a life settlement broker or provider, contact your state insurance regulator. Contact information is available on the website of the National Association of Insurance Commissioners (www.naic.org). To check on the registration status of a securities broker, use the Financial Industry Regulatory Authority’s on-line BrokerCheck (www.finra.org).
You do not have to lose your hard earned money for lifetime retirement should you need nursing home care. Prepare many years in advance for asset protection and health planning. Government regulations for health care benefits look at your assets 5 years back. Plan for your estate, gifting your children and grandchildren and health/financial planning in advance.
Year Exemption Top Rate
2008 $2 million 45%
2009 $3.5 million 45%
2010 Tax Repeal 0%
2011 $1 million 50%
2012 $1 million 50%
2013 $1 million 50%
Current estate taxes range from 37-48%, with an exemption of the first $2 million in 2006. The exemption amount gradually increases and the top tax rate gradually decreases until 2010, when the estate tax is repealed for one year. Without additional Acts of Congress, the estate tax will be reinstated to 2001 levels in 2011.
The federal estate tax exemption is rising gradually, from $2 million in 2006 to $3.5 million in 2009. Meanwhile, the top estate tax rate declines 1% per year until it reaches 45% in 2007 where it stays until 2010. The estate tax is scheduled to phase out completely by 2010, but only for a year. Unless Congress passes new laws between now and then, the tax will be reinstated in 2011 when the exemption reverts to $1 million.
Legal and tax advice are not provided. Please consult your tax attorney before you act on any information provided in the materials above.
If you want more information on long term care ,retirement planning and asset protection, contact Connie Dello Buono 408-854-1883 firstname.lastname@example.org . CA Life lic 0G60621
1708 Hallmark Lane San Jose CA 95124. With offices in Fremont, South San Francisco, San Jose,Sacramento and Milpitas.
Call for a one on one info sharing or a free seminar in Fremont this Sat from 9-10am.
As a CPA, your clients would ask you to help them allocate thier idle money and have health and asset protection.
As a realtor, your clients wants your opinion on how to protect their house should a health threat occur or income loss.
As an insurance agent, you wanted to be a builder and not just a salesman to be able to do business long term as non-captive owner of your own agency.
As a doctor, you understand that health threats can wipe out your savings, income, estate and future pension.
As a health care pro, you wanted to be protected from health threats and a retirement income for a lifetime during old age and in sickness.
As a bay area pro, you wanted to retire early and not work 2 or 3 jobs to earn a living.
You can create your own business. Be creative. Start your own business.
My business is financial planning and your referrals are much appreciated for anyone needing a permanent life insurance with cash accumulation and returns from 6% or more.
Call Connie Dello Buono CA Life Lic 0G60621 email@example.com for one on one session for an hour for free on finance, health and business coaching.
Stop your losses from your 410k, stock market and other investments.
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