However Business Owners Purchase Specialty Body Part Insurance Policies
Business owners look to body part insurance policies to help keep the business open if their ability to do so is compromised due to a damaged body part or function. A chef or wine expert who loses the ability to taste or smell could easily lose their business and livelihood if those senses were compromised.
Some insurance companies offer coverage for death and dismemberment resulting from an accident. While not as glamorous as a policy on a movie stars legs, this is a more affordable way for people to supplement income if they lose a body part and can’t work.
However, for such a policy to apply, a body part typically must be lost. This means these policies usually dont cover lost income due to injury or slowdown.
Brittany Snow Who Struggled With Anorexia For Nine Years Spoke Out About The Dangers Of Comparing Yourself To Others
In an interview with Shape, the “Pitch Perfect 3” star said she had to learn how to embrace her natural body shape and overcome society’s unrealistic body standards.
“I wanted to be like the girls I saw in fitness magazines so badly. I thought that was the ideal of happiness,” the actress said. “I wish someone had told me back then that the way a woman looks in a photo has nothing to do with who she is.”
Snow, who was bullied in high school, also partnered with The Jed Foundation and MTV in 2010 to launch the Love is Louder project, which is dedicated to amplifying supportive messages and actions in the face of “negative noise.”
Body Part Insurance Isn’t Only For Celebrities But It May Make More Sense For Celebrities
Because body part insurance isn’t offered by standard insurance companies and is highly personalized, it’s not accessible to the general public. But if you can afford it, there’s no reason why you can’t buy it, too!
Specialty insurance providers, like Lloyds of London, will insure body parts. Most policies are created from scratch, specific to a person’s needs. This personal attention, coupled with having to purchase from a specialty provider, can result in a premium that is not affordable for many folks.
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New York Department Of Health
Gives residents program details on Medicaid. People who meet disability requirements are eligible to have their medical care covered by Medicaid. The Medicaid By-In Program is for working people with disabilities. This program allows eligible individuals to earn more income without the risk of losing vital health care coverage. This site includes eligibility requirements for Medicaid, services covered and other important program information.
Actors Musicians Are Big Beneficiaries Of Obamacare
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In 2011, actress Lynda Berg didnt make enough money to qualify for health insurance through her union. And, on her own, she had trouble finding a plan she could afford because shes a survivor of breast cancer, considered a preexisting condition.
The uncertainty of not having a health plan was stressful and at times expensive, she recalls. A few years ago she fell and broke her hand and elbow and ended up paying $4,000 for her medical care.
————FOR THE RECORD: Insurance for actors: In the May 23 Business section an article about Obamacare in the L.A. entertainment industry gave the first name of MusiCares senior vice president Kristen Madsen as Krista. ————But all that has changed for Berg, 59. In March, she went online, signed up for a policy through Covered California, the states new health insurance marketplace set up under the Affordable Care Act, and now is getting medical care.
More than most people, workers in the areas vast entertainment industry are poised to benefit from the federal health law. But as the new law takes hold, the massive overhaul has also stirred up considerable confusion and anxiety over how to navigate a host of new healthcare options.
For decades, artists have flocked to the state, and many have just scraped by while trying to get their big break. According to a study from the National Endowment for the Arts, California has the highest number of artists in the nation.
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In 2016 Kid Cudi Got Candid About His Mental Health Struggles On Facebook
In a heartfelt message to his fans, the rapper revealed that he had checked himself into rehab for “depression and suicidal urges.” “I’m tired of being held back in my life,” the rapper wrote. “I deserve to have peace. I deserve to be happy and smiling.”
Kid Cudi’s honest post was met with widespread support. It also spawned a hashtag on Twitter, #YouGoodMan, for black men to open up about their experiences with mental illness and for people to discuss the intersection of race, masculinity, and mental health.
John Hodgman And Justin Long
One guy was the human embodiment of a PC the other, a Mac. Actors John Hodgman and Justin Long starred in the famous Apple commercials that positioned the Mac as young and hip versus the stodgy PC. Hodgman and Long have had successful acting and writing careers on their own, but the Mac commercials were so iconic , that the duo may be best-known for their roles in these thirty-second spots than anything else.
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Gina Rodriguez Revealed She Struggles With Anxiety In A Heartfelt Message On Social Media
The “Jane the Virgin” star posted a 10-second video filmed by her photographer friend Anton Soggiu . In the clip, Rodriguez can be seen in casual clothes, not wearing any makeup. “It’s always great to be in front of his lens but this time it was just me,” the actress wrote in the caption. “Bare and exposed in the streets of LA.”
“I suffer from anxiety,” Rodriguez said.
She continued: “And watching this clip I could see how anxious I was but I empathize with myself. I wanted to protect her and tell her it’s OK to be anxious, there is nothing different or strange about having anxiety and I will prevail. I like watching this video. It makes me uncomfortable but there is a freedom I feel, maybe even an acceptance. This is me. Puro Gina.”
Ridiculous Celebrity Insurance Policies
Celebrity insurance can get just plain weird. Specialized cars, exclusive homes, private planes are not things the “average Joe” has to worry about, and the average insurance company has to cover. But the real weirdness happens when actors, actresses, and sports heroes start to get specific with their coverage. Really specific. Down to the finger, in fact.
Some of these policies are taken out by the celebrity to insure future income after an injury or illness. Some are taken out by the companies that profit from celebrity endorsements. All are worth a laugh or two.
Protect the Golden Cow!
Nobody wants to lose a rainmaker. That’s why companies take out insurance on the celebrities that make their brands shine. But things can get strange very quickly when it comes down to the nitty-gritty of celebrity coverage. These are a few of the most ridiculous celebrity endorsements around.
1. Troy Polamalu’s Hair
Yes, you read that right. Not the legs or the shoulders or the hands, but the football player’s hair. Shampoo maker Proctor & Gamble insured this Steeler’s curly Samoan locks for $1 million, after he signed an endorsement deal with Head and Shoulders. He hasn’t cut his hair in over ten years, and with a price tag like that, he probably won’t go near a barber anytime soon.
2. Heidi Klum’s Legs
3. America Ferrera’s Smile
Yes, I’m Worth It.
1. Mariah Carey’s Legs
2. David Beckham’s Whole Body
3. Keith Richards’ Middle Finger
4. Dolly Parton’s Breasts
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Cara Delevingne Struggled With Depression As A Teenager
In an interview on This Morning, the model said that she used to feel guilty for being depressed. But after she realized she wasn’t alone, that “everyone goes through similar things,” she began to recover.
“If you learn to love yourself and not give in to what other people think about you or not care what they think, and just follow your dreams, you can achieve anything,” Delevingne said. “And that’s what I want to be for teenagers not necessarily a role model, but someone who has gone through it and come out the other side.”
Who Goes For It
Mostly, celebrities belonging to the entertainment and sports industry opt to insure their body parts. The glamour world is a visual medium and celebrities go to great lengths to look presentable. They invest in themselves. By opting for insurance, they secure their investment against unforeseen financial losses. Same applies to sports stars. By training hard to keep their body in good shape, they are constantly in danger of accidents.
News reports suggest that the following celebrities have insured their body parts for huge amounts.
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History Of Celebrity Insurance
The origins of celebrity insurance are a bit hazy. While some sources report celebrities insuring their body parts as far back as World War II pin-up girls, it seems to have really kicked off in the early 1980s. Legendary singer Bruce Springsteen recognized the key to his successful singing career was all in his voice, and that he needed to protect it. Springsteen ended up insuring his vocal cords for $6 million and paved the way for celebrity insurance to become a more mainstream coverage as long as youre rich and famous.
While it may seem a little ridiculous to us regular folk, celebrity insurance is actually a pretty basic and important coverage for individuals whose success and career stability relies on their anatomy. Just like workers comp insurance protects employees who are injured in on-the-job accidents, celebrity insurance protects movie stars, singers, professional athletes, and other high-profile individuals from a career-ending injury.
Jewelers Dont Provide Insurance
While esteemed jeweler, Lorraine Schwartz, may have asked Sandra Bullock to wear her specially designed diamond and platinum earrings and diamond bracelet, worth $8.2 million, Schwartz wasnt about to insure it while Bullock was wearing it. That was Bullocks responsibility, even though she was only borrowing the pieces. Once you purchase a piece of jewelry, its your responsibility to protect it and insure it to market value so if something happens to it, youll be able to fully replace it.
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Emma Stone Has Detailed Her Experiences With Anxiety And Therapy On Several Occasions
“I was a very, very, very anxious child, and I had a lot of panic attacks,” Stone said on “The Late Show With Stephen Colbert” in September 2017. The actress also shared a photo of a “little green monster” she had drawn to represent her anxiety when she was 9 years old.
“If I listen to enough, it crushes me,” the Oscar winner explained to Rolling Stone in 2016. “But if I turn my head and keep doing what I’m doing let it speak to me, but don’t give it the credit it needs then it shrinks down and fades away.”
The “La La Land” star credits therapy, acting, and improv for helping her cope with anxiety. “You have to be present in improv, and that’s the antithesis of anxiety,” she told Rolling Stone.
Shawn Mendes Said That Opening Up About His Anxiety Was One Of The Scariest But Most Important Things Ive Ever Done
Mendes’ hit song “In My Blood” was inspired by his mental health.
“Talking about the problem, putting it out there, was one of the scariest but most important things I’ve ever done,” Mendes told People.
He added: “I still struggle with it but just remember every day that everyone deals with some level of anxiety or pressure we’re all in it together.”
Speaking to The Sun in 2018, Mendes said that he “made a conscious effort to be more connected to the people in my life. I found I was closing myself off from everybody, thinking that would help me battle it.”
“All pain is temporary, and the thing is with anxiety, and why it’s such a hard thing for people who don’t have it to understand, is that it is very random and it hits you at moments you don’t expect it,” the singer said.
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Ryan Reynolds Has Credited His Wife Blake Likely For Helping Him Cope With His Anxiety
Not only did Lively convince Reynolds to take his “dream role” in “Deadpool,” she also kept him grounded while he filmed the movie.
In an interview with Variety, the actor revealed how his anxiety over disappointing fans led him to “stay up late with the script” and lose sleep. ” helped me through that,” Reynolds said. “I’m lucky to have her around.”
David Beckhams Entire Body
When it comes to coughing up money to ensure your body parts, no one else can spend it like Beckham. Bad jokes aside, the now-retired soccer player did take out the largest celebrity insurance policy in sports history coming in at a whopping $195 million! Beckhams policy covers his entire body against injury, illness, or disfigurement. I guess thats just good investing when youre the highest paid soccer player in history.
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Medicare Advantage Plans Are Not One
First, celebrities love to tell us about all of the free things you could get from a Medicare Advantage plan. However, you might not be aware that some free things are only available on specific plans for specific populations.
Private insurance companies administer Medicare Advantage plans. That means that they can require prior authorization before you can use certain services. These services can include physical therapy, surgery, home healthcare, etc.
Moreover, your current and future health will impact what Medicare Advantage plan benefits are right for you.
Who Is Most Likely To Buy Life Insurance
Approximately half of American households say they will buy life insurance within the next 12 months. People under 45 and/or married couples with children are most likely to experience this. The percentage of men who own life insurance has remained at 62 percent, while the percentage of women has dropped to 56 percent.
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Luxury Rehab Centers For Celebrities
At a luxury addiction rehab center, youll go through an intake process where an addiction treatment professional will talk with you and assess any medical needs. You may be asked questions regarding how often you use any substance, what substance you use and questions around your mental health condition. After intake, youll begin the rehabilitation portion of treatment. These luxury rehab centers are popular choices for celebrities recovering from drug or alcohol addiction.
Situated in Wernersville, Pennsylvania, Caron Foundation is another rehab facility for high-profile individuals. Caron Foundation is actually a nonprofit facility however, there is no doubt that this rehab facility has a luxury appeal, as it has attracted some well-known names, including Steven Tyler, Liza Minnelli, and former Miss USA, Tara Conner.
The Meadows has also garnered a reputation as a luxury rehab facility for celebrities who are recovering from addiction. This treatment facility offers rehab services for sex addiction, alcohol, drugs, mood and anxiety disorders and grief. Facilities are located in both Texas and Arizona. Perhaps one of the most well-known celebrities to make use of these high-profile celebrity rehab centers is Tiger Woods, who visited in February of 2010 for sex addiction. Featuring serene surroundings and wide-open spaces, the cost to stay at one of The Meadows facilities is around $33,500.
Hipaa Fails Britney Spears
Back in 2005, some UCLA employees received disciplinary action for peeking at Spears medical records after the birth of her son. In 2008, Oops! they did it again. This time, staff was caught reading her psychiatric evaluation not cool.
Ironically, before her arrival, the hospital had sent a memo reminding all staff of privacy rules. It instructed employees not look at medical records unless the patient was in their direct care. But perhaps tabloids offer so much for gossip on Spears that the instructions fell on deaf ears.
Jeri Simpson, the director at the Santa Monica branch, said: Its not only surprising, its very frustrating and its very disappointing. I dont know what it is about this particular person, she claimed, referring to the pop star.
This time, the university fired thirteen employees, suspended six others and took disciplinary action against six doctors.
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Big Bang Theory Star Mayim Bialik Said That Her Obsessive
“It’s still really hard for me,” the actress said in a video for Child Mind Institute’s #MyYoungerSelf campaign. “But what I’ve found is that with trusting other people and learning to trust other people and lean on them for support, you can make changes and still be OK.”
Bialik went on to say that she was able to cut off her hair and “couldn’t have done it without people helping me.”
Pieces Get Misplaced And Stolen
While criminals dare not try to nab celebrity jewelry while they are walking the red carpet, they may try to snatch your fine jewelry pieces if given the chance. However, more often than not, jewelry is simply misplaced or lost. It is smart to have insurance that will cover you if you lose a piece by accident.
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In January 2017 Hayden Panettiere Offered Some Advice For Fellow Moms Who Have Struggled With Postpartum Depression
“Women are so resilient and that’s the incredible thing about them … I think I’m a better mom for it because you never take that connection for granted,” the actress said on “Good Morning America.”
The actress, whose “Nashville” character Juliette Barnes also struggled with PPD in season four, said her role helped her identify “what was going on” and shared a “great message” that it’s OK for women to “ask for help and have a moment of weakness.”
“It doesn’t make you a bad person or a bad mother,” she continued.