Letter of indemnity sample insurance

My 5 year old daughter is undergoing treatment for leukaemia its dismantled our live as we both can't work, my Income protection insurance has been declined. The ombudsman didn't uphold my complaint as I was preoccupied with my daughter, since coming out of hospital after 7 months I have found a new strong reason why the claim should not have been declined, a new reason previously not addressed and with medical proof from a NHS Psychologist, leading mental health organisation and my GP. Given it's a new complaint challenging the same claim decision. I need advice on how to encourage the ombudsman to see this as a new complaint and open a new case on this. Its impossible for regular people to get justice through the legal system as its too expensive. LV insurances board is full of solicitors.
The new proof is an NHS psychiatrist letter stating that ADHD is not a Mental Disorder therefore does not sit within the exclusion they used to decline my claim, the exclusion is for mental disorders only. This particular matter has not been addressed by the ombudsman previously.
We are a hard working family, we have never claimed benefits in our live (we have been lucky) The UK government will not support us at all as we have rental property for us to retire on (there is no passive income from them now).
We have not and do not wish to go to any charities and will sell the rental property at a loss before we think about this, but this means our retirement planning is derailed.
We paid £100 a month for nearly three years to LV insurance and they have let us down badly using a technicality, if you think about it the reason why we are currently unable to work is because of the impact of our daughters sickness.
Any advice will be helpful; even if its how to get publicity around this, we think we have a safety net when we pay our insurances in good faith. We have literally had no help from anywhere.
Please up vote and please share, I want people to know LV insurance company is doing this to vulnerable people. I am happy to share evidence to confirm I am being truthful.

I’m wondering if anyone has experience of this. I volunteer in a programme where I meet up with a young person. I offer support, go do activities etc. I was using my car locally to go to activities and majority of the time the young person travelled with me. Recently the organisation have been looking for my insurance documents. (There insurance doesn’t cover driving) I queried why I would have to share my insurance policy as it doesn’t seem the norm. I was told there was a new ‘policy’, I asked to view the policy and I was sent a 1 line guideline. So then I was asked just to send on my insurance certificate so I ended up contacting my insurance in order to get a new one. While chatting with them they asked why I was looking for it and I explained why. I was informed that I needed to purchase extra cover as my personal insurance doesn’t cover the use of my car for work/volunteering purposes. They asked do I need to get a letter of indemnity. I went back to the organisation and they said no.
I had a meeting recently and the organisation told me I just have to treat it like driving a friend or family member. They said no other volunteer has had this issue and I said I didn’t know there was an issue too. I was quite upset when I found out because if there had been an accident my insurance wouldn’t have covered me. They asked who my insurance provider was. The person contradicted me three times telling me I was wrong. I said I will have to go with what my insurance says and asked would the organisation be covering the cost if they want me to use my car. (Being in the programme is not supposed to cost us anything but often does.) I suggested that all volunteers should be made aware so they can contact their insurance providers.
Has anyone had a similar issue and know more about insurance cover? I just think I’d be opening myself up to liability if anything were to happen.

Below you'll find information and links to help advocate for Reproductive Freedoms and Abortion care in Canada and emerging policy issues with the Reddit platform. This is a recurring post and will be periodically updated as needed. Feel free to post additional information and discussions in the comments.
Advocating for Abortion Care in Canada:

• There is a serious lack of Abortion Care options in Canada, particularly in the rural areas, and for those living on reserves, they have almost no access to Abortion care. People may have to travel more than 100km and across provincial lines to access abortion. Some have to travel by plane from their rural community to one with an abortion clinic or hospital. This puts an unfair financial and logistical burden on those that need to access abortion care. Provincial Health Insurance Plans do not cover travel costs related to receiving medical care.
• Because many provinces have few facilities that provide Abortion care, this places an unreasonable load on the clinics that do exist, forcing clients to look elsewhere for facilities with capacity to help them. In Alberta, there is one clinic for every 209,077 people who can become pregnant (number of assigned-at-birth females between the ages of 15-29). PEI, the Northwest Territories and the Yukon Territory each only have 1 Abortion care provider. Nunavut only has 2 abortion providers, and of those, only one offers medical abortion covered by the provincial health insurance plan. In fact, 9 (out of a total of 13) Canadian provinces and territories have five or fewer facililities offering abortion care in their entire province. And 10 Canadian provinces and territories have one or fewer (0) rural facililities offering abortion care.
• Some provinces, have more restrictive guidelines regarding abortion, limiting access to abortion care to those with a gestational period of less than 12 weeks (meaning, 12 weeks since the first day of your last period, not 12 weeks since you discovered you were pregnant or when you had sex). Many people who menstruate have irregular periods. Some people might only menstruate every 2 or 3 months, and might only discover that they are pregnant near the gestation limit of 12 weeks.
• Insurance coverage also limits access to abortions. Some provinces, like Nunavut, do not offer coverage for medical abortions unless they are prescribed and performed in a hospital. And being a rural province, there also happens to be only 1 hospital in Nunavut - Qikiqtani General Hospital in Iqualuit. New Brunswick will only cover abortion services in a hospital setting, which means that abortion medical care provided in clinics are not covered by their Provincial Health Insurance Plan.
• Sexual and reproductive health services are among the services that physicians, pharmacists and nurse practitioners are most frequently unwilling to provide on moral or religious grounds. People who have been harassed and/or attacked while visiting an Abortion clinic may experience stigma and/or discrimination from their peers, especially in smaller, rural communities where everyone knows one another. People refused care by health care professionals because of personal beliefs may experience stigma and/or discrimination, forcing them to travel outside of their community to receive the care they need. This can all be particularly daunting for young people or those with limited resources.
• Everyone in Canada is supposed to have equal rights to access health care, regardless of race, age, class, immigration status, gender expression, sexuality and ability. Nevertheless, anyone's right to seek abortion care can be be impacted by discrimination and bigotry, both systemic and as a result of individual prejudice on the part of service providers. Racism, xenophobia, classism, homophobia, transphobia, ableism, and ageism in Canada are all direct and intersecting barriers to accessing abortion. It is much more difficult for a person who doesn\u2019t speak English to access abortion services, despite the presence of a translator. Transpeople also experience discrimination at higher rates in reproductive health care settings. Providers may also lack the knowledge or training to provide trans-affirming abortion care and abortion services are typically housed within *women\u2019s* health care departments.
• Further compounding the issue of inequitable abortion access are unregulated crisis pregnancy centres (CPCs), which are anti-choice pregnancy centres that advertise in hospitals, doctor's offices, churches, schools and community centre. They deceive people coming to them for options and advice by giving misinformation about abortion or by insisting on options that may delay or interfere with the clients ability to access the care they need. CPCs far outnumber abortion care providers in Canada. In Ontario alone, there are 77 active CPCs but only 38 abortion care providers. Overall, in Canada, there are 165 known CPCs compared to 147 abortion care providers (as of August 2022).

Reference: Policy Options, via the Institute for Research on Public Policy and Action Canada for Sexual Health & Rights
What can you do to improve access to abortion care in Canada?

1. Listen, research and learn. This is always the first step to understand any problem.
2. Send a letter to your MP and MPP. Tell them that access to abortion care is important and how difficult it can be to access it in your province. Urge them to prevent anti-choice groups and CPCs from receiving charitable status, and to revoke the charitable status from CPCs that already have it. Encourage them to include reasonable reimbursement for travel costs related to receiving medical care when it is not available in your community. And push them to pass Safe Access Zone Legislation to protect patients, practitioners and their staff from anti-choice harassment and intimidation.
3. Give a donation to a pro-choice charitable organization of your choice. Remember, if you give a total of $201 CDN or more to Canadian charitable organizations, you'll get a credit of 29% of your total annual donations on your income taxes (for those that file Canadian Income Taxes, only).
4. Sign up for the Abortion Rights Coalition of Canada Newsletter. https://www.arcc-cdac.ca/
5. Participate in local marches and rallys in support of access to abortion care.
6. Spread the Word. Tell your friends and family. Encourage them to research, listen and learn. Encourage them to contact their MPP and MPs.
7. If you work in a Doctor's office or as a family physician, consider incorporating Mifegymiso into your practice to ensure patients have timely access to this essential service. If you are a Doctor, or studying to be one, consider opening an Abortion Care practice when you are licensed and qualified to do so, especially in rural areas where there are a lack of options.
8. If you work in politics, consider proposing legislation that will ensure safe access zones for abortion care providers and their clients and covering reasonable travel costs for constituents when medical care is not available in their community.
9. If you are a journalist or work in media, consider preparing pieces sharing the difficulty Canadians can have accessing medical care such as abortions.
10. If you work in the area of Not For Profit/Advocacy, consider partnering with a Pro-choice organization and helping them spread information and lobby for improving access to abortion care for Canadians.
11. If you know someone who needs abortion care, consider giving them a ride to a clinic, helping them access the advice and care they need, and provide non-judgemental support.
12. Ensure persons of First Nations, Metis and Inuit heritage know about Jordan's Principle, which ensures that First Nations children (which includes people who can become pregnant under the age of 18) can access the products, services and supports they need, when they need them. https://www.sac-isc.gc.ca/eng/1568396042341/1568396159824

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Emerging Policy Issues with Reddit
On July 1, 2023, Reddit raised the price to make calls to their API from being free to a level that killed every third party app on Reddit, from Apollo to Reddit is Fun to Narwhal to BaconReader. This policy change meant that mobile users would have a lesser experience browsing Reddit, users with visual difficulties could not browse reddit as screenreaders are not compatible with the official Reddit app, and mods lost tools that they depend on to keep communities on-topic and spam-free. Many subreddits protested this change in June 2023, and the Reddit admins enforced draconian measures such as removing and replacing mods who privatized their subreddits in protest of this policy change.
On September 12, 2023, Reddit will eliminate reddit coins, including removing all accumulated coins, a perk that Reddit Premium users pay for every month. Coins are used to reward comments and posts by showing your appreciation for the effort. Some reddit coins offer the ability to use reddit without ads.
In March 2024, Reddit had an IPO (Initial Public Offering), and the founder and current CEO, as well as the COO have sold $500,000 of their shares. How does this effect you? Reddit may face pressure to increase revenues to attract investors. This could lead to more ads or new monetization features. There could also be changes to the platform to attract a wider user base, such as bans and censorship on certain topics or words and control over content to appease more conservative shareholders or users.
What can you do to protest policy changes at Reddit?

1. Listen, research and learn. Check /modcoord for updates
2. Cancel your Reddit Premium membership
3. Participate in subreddit led protests
4. Look for other forums to patronize. We have a forum on Discord called Auntie Network Canada. Message the mods here for an invite link to the Discord group.
5. Complain. Message the mods of reddit.com, who are the admins of the site: message reddit: submit a support request: comment in relevant threads on reddit. Leave a negative review on their official iOS or Android app.

Hi all, earlier this year my son bought a car, the seller could not provide the logbook or new keeper slip, so a new one was applied for, I filled the v62 out for him and not knowing the exact date of purchase put new years eve down, as I knew this was definitely before actual date.. (A mistake? Irrelevant maybe??)
Throughout this time the car remained on our private drive, where it had been trailered to.
Cut to March 5th and he received a letter from dvla confirming sale and that a new logbook, v5, would be issued shortly, buoyed up by this he finished the last few jobs needed, to return it to the road, this included him moving it to the end and just off our drive. This meant the passenger side wheels were technically on the public road while the rest of the vehicle and driver side were on our property. A situation that was just a few hours. On the 18th he received the v5 (issued 14th) and promptly taxed the car, now showing as taxed from 1st March (insurance and mot already done). Off he sets happily using vehicle. Then, may 18th he received a letter detailing his use/keeping the vehicle on public road at midday on the 5th March, the time when he was working on it, however the fine (out of court settlement offer) appears to include back dated tax and is £105, from reading it should be £30 if anything, but shows on dvla site as taxed from 1st
So how to proceed? He is only marked as keeper from 14th March, and payed the duty ASAP to cover March, surely previous keeper has liability, seems they are trying to pin his unpaid tax on new keeper? No prior contact, so I don't believe it's escalated charges. Just a bit lost as to how to move forward, the more nominal fine it wouldn't be worth challenging, but at this rate instinct is to appeal it, or at least offer mitigatiin at a hearing as he had no means to tax or sorn until that v5 arrived, anybody been in this position, any advice appreciated

Hello,
I live in England and on Friday I was involved in a car accident. This was on the a slip road off the M1.
I was able to move my vehicle to the hard shoulder but it was clearly a write off. The third party was able to change a wheel and drive off, after exchanging details.
I called my insurance and they put in an instruction to their recovery provider to collect the vehicle. They told it me there is a three hour window for the recovery team to arrive. I then arranged someone to come collect me and my belongings.
After three hours, no recovery had arrived but my lift had. I called the insurance company, they told me to contact the recovery company, which I did. The recovery company said they had received no instruction from the insurance company. I called the insurance company back and they said they definitely submitted it but would submit another one. They then said I could leave the vehicle with the keys in the glove box, which I did.
Come today, I've received a letter from a different recovery company on behalf of National Highways saying they have my vehicle and they are charging me statutory removal and storage charges.
Am I liable to pay these or are the insurance company?

You need to update the software. Remember that little micro chip slot in the pannel before assembly? It slides right off upward. Get a micro sd card, put it in your computer and go the internet. Look up the printers name and update. Here's the site.
https://www.creality.com/pages/download-ender-3-v3-se
After that, format your micro is card into fat32. Use this one. Just click the image and it downloads, then use it to format it. http://ridgecrop.co.uk/index.htm?guiformat.htm
After that, drag and drop the TJC_SET folder into the newly formatted Micro sd card. Just this one for right now, then turn off your 3d printer completely. When you enter the micro sd into the control board, turn it back on, and the sd card will automatically update it to the latest update you downloaded.
After that is done, turn off the machine, take mixro sd out. Delete the TJCSET folder, then add the Singular Ender-3 V3 SE(long list of letters and numbers) file in the sd card now. After that, plug the micro sd card into another large sd card, then put it into the slot where it would read your files before printing.
Turn on machine.
You should be greeted with the fully reset screen. Click your language, then let it auto level on it's own. After that, all leveling should he single green numbers. There ya go. That's all.
No extruder sliding off the plate, no more bad leveling. It's done and the z-axis is leveled perfectly. Also use orca slicer...not cura. It's much better. I also still recommend a purple large gluestick in order to insure your print sticks on this printer. Have fun!

Ello Reddit, First time poster, long time lurker.
And I've found myself in a bit of a pickle. That pickle being is over $3000 in traffic offences that I did not commit.
Here's the timeline for ya.
Mid 2020- I'd moved to a place in the Melbourne inner suburbs 6 months earlier, a 20-minute walk from work. Things were looking a bit dicey with cash money, so I decided to scrap my crusty old car to save some dosh.
I have not driven a motor vehicle of any description since. That's an important, stone hard fact.
Skip to Jan 2022- And I was applying for a new job, and my probationary licence had expired, so I got vicroads to send me my full licence. (I needed it for the whole fit4work thing they're making us do now) But before I got my little mits on it, somebody decided to nick it out of my mailbox.
It's been nothing but a living nightmare since.
Whoever did that decided to rack up thousands of dollars in fines ever since. They did it by nominating me for those fines.
-I got a letter from an insurance company claiming I was responsible for a crash in Queensland.
-I also had VicPol at my door asking if I had stolen a car and gone on a cheeky little crime spree. (Luckily, that was cleared up pretty quickly.) -I tried to report my licence stolen, but because it was never physically in my possession, I was told I couldn't. -I also didn't get that job because I could provide 100 points of ID in time.
'But young reddit user, why didn't you just reject the nomination?' I hear you ask.
Well... I may have had some boogins in my brain at the time. Covid had done it's damage and I really wasn't well. For most of 2022, I was in and out of active psychosis and didn't have a lot of support. The shadow people don't give great legal advice. By the time I got it together, it was too late to reject them.
Skipping to now, I've set up a payment plan for $50 a fortnight to keep fines victoria from breaking down my front door, but I want to know if it's worth talking to lawyer and trying to fight this. My licence expires at the end of the year. (Do you get a new licence number when it renews?)
I truly did not commit any of those offences, I'm not a violent or crimey schizo. I just get paranoid and don't leave my apartment for weeks at a time. (I'm doing better now. 🙂)
Is there any better option than continuing with the payment plan?
Thanks heaps for any advice.

Ello Reddit, First time poster, long time lurker.
And I've found myself in a bit of a pickle. That pickle being is over $3000 in traffic offences that I did not commit.
Here's the time line for ya.
Mid 2020- I'd moved to a place in the Melbourne inner suburbs 6 months earlier, a 20-minute walk from work. Things were looking a bit dicey with cash money, so I decided to scrap my crusty old car to save some dosh.
I have not driven a motor vehicle of any description since. That's an important, stone hard fact.
Skip to Jan 2022- And I was applying for a new job, and my probationary licence had expired, so I got vicroads to send me my full licence. (I needed it for the whole fit4work thing they're making us do now) But before I got my little mits on it, somebody decided to nick it out of my mailbox.
It's been nothing but a living nightmare since.
Whoever did that decided to rack up thousands of dollars in fines ever since. They did it by nominating me for those fines.
-I got a letter from an insurance company claiming I was responsible for a crash in Queensland. -I also had VicPol at my door asking if I had stolen a car and gone on a cheeky little crime spree. (Luckily, that was cleared up pretty quickly.) -I tried to report my licence stolen, but because it was never physically in my possession, I was told I couldn't. -I also didn't get that job because I could provide 100 points of ID in time.
'But young reddit user, why didn't you just reject the nomination?' I hear you ask.
Well... I may have had some boogins in my brain at the time. Covid had done it's damage and I really wasn't well. For most of 2022, I was in and out of active psychosis and didn't have a lot of support. The shadow people don't give great legal advice. By the time I got it together, it was too late to reject them.
Skipping to now, I've set up a payment plan for $50 a fortnight to keep fines victoria from breaking down my front door, but I want to know if it's worth talking to lawyer and trying to fight this. My licence expires at the end of the year. (Do you get a new licence number when it renews?)
I truly did not commit any of those offences, I'm not a violent or crimey schizo. I just get paranoid and don't leave my apartment for weeks at a time. (I'm better now. 🙂)
Is there any better option than continuing with the payment plan?
Thanks heaps for any advice.

Warning, very long and confusing post ahead:
On 4/20 I found out im pregnant with my second, after taking a test at home. (first is now 8, almost 9). Without all the details, I am not in the same place mentally, emotionally, etc that I was while pregnant with my first. I was younger and not in a healthy relationship, but I did have more help from friends and family, and financially I was in a better place. I was scared then too, but no where near as unprepared and scared as I was finding out this time. Of course I’d hoped I would be in a better position in life and stronger and better and all the things.. if I ever had another child, but to put it lightly, life throws curveballs, and all that… and the last two years especially, taught me that life is not a linear, continually uphill path. There will be some tumbling back down and starting over… so to speak. So without going on and on, I ended up deciding to seek help with figuring out what I wanted to do because I was very unsure.
my periods have been irregular for well over a year, I had attributed it to stress. I only took a test because I had some symptoms, I’m not on birth control, so I knew it was a possibility. (please refrain from judging/ lecturing. The how and why is very complicated, and this story is going to be long enough.. and I’m doing what I need to, to address it all) but I wasn’t doing a great job of tracking anything and I’m embarrassed to say I wasn’t and am still not exactly sure how far along I might be. I had routine care while I was pregnant with my first, but found out early, because my period was like clockwork then, so 2 days late I had tested positive. I went to one of the only places available in my area at the time, and I didn’t have a great experience, but I also didn’t really question whether I was going to go through with the pregnancy, and just went straight to prenatal care. I had blood testing done finding out I was 3-4 weeks initially, and then a normal ultrasound at 8 weeks, and regularly from then on.
So this was my first experience with abortion/ family planning clinics and my first time being unsure of when I actually got pregnant, which left me both nervous and driving myself insane with scenarios. And the other stress in my life is just amplifying it.
The day of my appointment (4/29) I was running late and so I called to let them know. I quickly googled the number of the place, when I realized I couldn’t find it in my phone, from scheduling it the week before. A woman answered, she was friendly but told me I wasn’t in their system or scheduled for that day. I quickly realized I called the wrong number, and started to apologize. The two clinics are on the same street. She was still being very nice and started telling me they could see me anyway, that day, and even started saying they could do an ultrasound if I wanted, I didn’t even need to worry about having insurance. I said no thank you. I was suspicious, but not fully aware yet of who I had even accidentally called. I told her no thank you and-hurried and called the correct office, that I had initially booked an appt with. they were overbooked that day as it was, and apologized, but they couldn’t push my appt any later and had to reschedule for a couple days later.
My anxiety, and desperation to get some answers, coupled with pressure on myself and stress, led me to call the other clinic, back.
They were happy to get me in, and I showed up. I started putting pieces together on the way over, and confirmed my suspicions when I walked in and saw the Bible verses on the walls. I started to change my mind and was preparing myself to leave but started convincing myself maybe these clinics weren’t as corrupt as I had heard, and that maybe the horror stories were just that. Maybe I was being dramatic, I was just stressed, these women were nice, etc blah blah
They asked for a urine sample and the woman who introduced herself as a nurse and another woman, appeared, but didn’t introduce herself, and had me sit in a room, them across from me, like an interview. They had notepads and internally I start freaking out at this point and I am about to get up and leave because everything now feels incredibly off, but the woman asks if I took a home test, I say yes. She looks at me , smiling “How did you feel, when you saw that positive test.?” I was already visibly nervous and upset at that point and so when she asked that it felt very invasive. I started to explain that I wasn’t oblivious to what they were doing and said I’d like them to stop. They backed off some and started back tracking, asking if I wanted to just get the ultrasound done, for my peace of mind. I definitely should have left, but like I said, my headspace was STRESSED and extremely anxious and I just WANTED to KNOW something. It didn’t even occur to me they might lie about what was on the ultrasound, or anything. I don’t know why it didn’t, but I know I wasn’t thinking clearly at all, and while I had started accepting that they would pressure me into keeping the pregnancy, I started trying to rationalize that I didnt think it was legal for them to do an ultrasound, a medical exam, if they weren’t qualified to do so?…. I still have so many questions and didn’t realize how little I knew about my own rights, and the legal aspects surrounding these things, until now.
I was showed a screen, (not the one the nurse used, she kept that turned to get the entire time) and showed me a normal enough seeming ultrasound. She did one on my stomach and one internally. I didn’t see a noticeable baby, just a sac… I did think I saw flickering, like when I saw my firsts heartbeat, at one point, but she moved the wand away and didn’t speak almost the entire time, never pointing anything out. I know this sounds so stupid but I assumed it was another organ? Or glitching maybe I don’t know…she apologized for being quiet, said she “had to concentrate.” She finally tells me what feels like 5 years later, I look to be 5 weeks 0 days. I take her word for it. I’m pretty overwhelmed. The other woman, (counselor, nurse, stranger????) was in the room the entire time, sitting behind me. Again I’m realizing how absurd this is now that I’m replaying it, and I’m mortified, but it happened and now here I am. Looking back they were uncomfortably quiet, and offered no reassurance really. But then as I’m preparing to leave, while I’m just going through the motions and lost in my thoughts, they tell me they want to try to hear the heartbeat next week, they’re sure they’ll be able to then. They’re almost like, giddy, lose any air of “professionalism” and hand me a box wrapped in a pink bow, that I opened at home and found out had a newborn onesie inside, that said “best gift ever.”
I’m still reeling. This was 2 Weeks ago. I’m upset. I feel stupid. I’m confused and feel like I was taken advantage of, in a way. And worst of all, I am now second guessing everything I thought I “found out.” The ultrasound picture they gave me, was cut off at the top. There is no date, time, name or gestational weeks.. I didn’t go to the follow up appointment, and instead scheduled an appointment with the office I went to for my first pregnancy. But I didn’t tell them what happened or that i had an ultrasound done already, I just told them the date of the positive test, and last suspected period. (Even though, with suspicious clinic saying 5 Weeks- that would mean I had a “period” after I was already pregnant- which is what led me to wonder if I was further along) couldn’t get me in until next week, when, if I go off of the ultrasound, would make me 9 weeks. Normal timing to be seen but I have been on a mental rollercoaster.
I feel like I’ve “popped” this past week, I have a noticeable bump, and everything just feels very off. I have been so depressed and confused I haven’t tried to get any help sooner because I’m just ashamed. But it is worrying me to death that maybe they lied, and my ultrasound was a fake, and I’ve now waited too long to have a choice. I think I decided I want to go through with this anyway, but I now wonder how much of my decision is being influenced by what happened? Pregnancy hormones are already difficult, my life has been chaos and while I think I’m making the decision based on my own choice, I’m not sure I can even trust myself and my decision making anymore after all this confusion… I really need any advice, guidance, support I don’t know. Am I being paranoid? Am I losing it? Is it unlikely a pro life clinic would really go that far?… I’m under too much stress to know what may just be me overreacting, and what is genuinely a concern, and what to do about it all either way. Any help would be appreciated. Thank you

I was wondering if anybody on here could tell me where I need to go to start on the journey of getting top surgery? Or if anybody knows of a resource I can use for questions? I’m trying to figure out with my insurance if I need to speak with my primary care doctor or a psychiatrist (for a letter, I’ve spoken with mine before on the topic), or something before a consultation or if the consultation should come first

i applied for disability in July of 2022 (i have autism and also something physically wrong with my knee but my doctor hasn't figured out what it actually is yet.)
after over a year of going back and forth with the stupid disability place and them sending me packets upon packets or the stupidest questions and me filling them out and sending it back and phone calls and a meeting with a psychiatrist and all kinds of jumping through hoops, they denied it. my autism was diagnosed when i was a toddler and they told me i most likely won't get disability without an updated diagnosis, like they think autism is just something i can outgrow or something.
well, the whole time I've been dealing with them I've also been trying to get refered somewhere to get an updated autism diagnosis but it's very hard to find someone who will diagnose adults, is close enough for me to actually go to (because diagnoses like that usually take multiple appointments), takes my insurance, and doesn't have a 2+ year waiting list. my doctor found me one single place that actually met the criteria (it still had like a 3 year waiting list but beggers cant be choosers) and sent a referral for me but they just never got back to my doctor or me because I also called and asked about it. I've also been doing blood work and x rays and physical therapy and trying really hard to figure out what's wrong with my knee but nothing has come up yet so I'm still just suffering with that.
Well, i appealed the disability thing, they sent it to a judge cause that was the next step, i had a hearing with a judge and a job expert and the judge asked me why i felt like i couldn't work and i literally had a breakdown and cried and told him how i had one job before and it was a super basic job at goodwill working in the back sorting books and not dealing with the public but I still couldn't handle it. I explained how working that job made my knee swell up and be in near constant pain and how the job (working barely 10 hours a week) made me so exhausted that I literally couldn't function outside of work. I would go to work, come home, sleep until my next shift and repeat. I felt like a zombie. The only time I would function was the weekends (barely) and all of that energy and time would be spent on meal prepping for the week so I wouldn't starve because I knew I wouldn't have the energy to make food, and I would do the dishes that piled up all week and sometimes if I had enough energy I would even shower on the weekends. I was so depressed and exhausted and not functioning outside of work at all and one day I woke up at 6 am to my alarm for work and i decided I was either going to quit my job or I was going to off myself and i had the self awareness to quit my job instead of trying to delete myself. and i had such a big meltdown and told all of this to the judge and more. and then i had to sit there, still crying and trying to collect myself while the judge talked with the fricken job expert about how many 'low effort, readily available jobs' HYPOTHETICALLY could exist in my town (this was all based on some bullshit guestimating math equation instead of realistic research into the topic) and then he had the audacity to tell me he "wasn't sure" and "needed time to think about it" just to take 3 fricken months to send me a letter denying my case again because, according to their stupid bullshit, i participated in "substantial gainful activity" (the one job i worked for 3 months and quit so I wouldn't commit unalive) therefore i "can't be disabled."
and it just felt like a spit in the face. like this man really listened to me have a mental breakdown about how the easiest job i could find, working 2-3 hours a day 3 days a week, made me so depressed and nonfunctionial that i was about one more shift away from taking myself off this planet and how my knee hurt so bad i literally just wanted to cut my leg off right above it if it would make the pain stop, and about my autism and how i don't feel like a human i just feel like i was shoved into a human suit and thrown on my ass like 'good luck, figure it out.' and he really listened to all that and still decided that 'im not disabled.' and 'theres plenty of jobs I can do, I just have to find one.' like I'm so stressed and depressed and worried about money constantly that I barely have the capacity to take on anything else, let alone another job that's gonna make me wanna blow my brains out again. I got the letter today and I've cried like 3 times about it because it really feels like I'm already down on the ground and he just decided to kick me with spikey steel toed boots.
I have one more appeal left, where it goes to a disability council (whatever that means) and their options are 1. deny it (most likely to happen) 2. send it back to the judge to 'look at it again' (basically guaranteed for it to get denied) 3. approve it (very very highly unlikely) or 4. throw it out (why is that even an option? That's so stupid) so its like an 80%+ chance of it getting denied from here, and if it gets denied at this point then i have to start all over and the last two years of waiting and hoops and paperwork and crying and pain and feeling like a puppet on display trying to "prove I'm disabled" will just mean literally nothing. And that's a really depressing thing to think about, that the last 2 years of my time and effort and humiliation were basically for nothing.
Besides that, if it gets denied again and I have to start all over, and there's no point in even doing that unless i can get new 'evidence' (like an updated autism diagnosis, which I can't because the one place thats close enough, takes my insurance, and actually tests adults, has a 2+ year waiting list and also won't fricken get back to me about even getting me on that stupid waiting list) and even if I do get an updated diagnosis, they can still deny me disability. I hate this so much.
I feel like a giant brick wall has fallen on top of me. I'm so exhausted mentally and I'm so stressed and I'm so tired of worrying about money and not being able to buy things i need and just barely surviving and I'm just so exhausted of it all. i live with my boyfriend and he has disability and it all goes to the bills and stuff so we have water and power and things, but most times we don't have cleaning supplies or toilet paper or things like that because we don't have the money for it. we only have food because we have foodstamps. I've had my whole wardrobe since highschool and I'm down to 2 pairs of shorts and 3 pairs of leggings because they all rip at the thighs after a while and I'm running out but I don't have money for clothes, y'know? And my boyfriends mom owns the house we live in (she bought it so he wouldn't have to worry about rent and stuff, but then told him he has to pay her back rent for all the years he's been here when he has the money) and she recently told me that when/if i get on disability she expects back rent from me all the way from 2021, which would be like $20,000 at this point and that number just keeps building and it feels like a giant tower looming over me. I don't feel like I'm living, I feel like I'm just barely surviving. And i know there are people out there that have bigger worries then running out of toothpaste and shampoo and not being able to afford more, but like. It's still very real worries I have and I just feel like garbage about it and I'm constantly worried about money and it's just so exhausting.
And to have someone look at me and disect my situation and basically tell me that I'm "not disabled" and basically that I dont deserve money that would help me possibly survive is like a punch in the gut. It hurts, a lot. And I'm so exhausted and upset and frustrated and i really don't know what to do anymore, about any of this stuff.

I have been offered a new-grad FM position at FQHC in California. HCOL. I was offered salary $140K. Eligible for NHSC award (~$120K tax free distributed over three years) which I received. Sign-on bonus $10K annually for up to five years. 4% match on 403b. Typical malpractice and tail coverage. PTO 160 hours per year, 3 days paid sick time, ~11.5 paid holidays. One week paid CME time off. $2000 CME. Several good health coverage options to choose from. Vision and dental insurance basically covered by employer. Flexible schedule involves 36 pt contact hours M-F. Pt load will start at one per hour then increase to ~20/day.
One PA who started two years ago was also offered $140K. He has not received a raise for the past two years. When discussing raises with HR, they said they offer raises “equitably“ so that all staff receive them simultaneously. Thus, they haven’t been able to sustainably five everyone raises in the past year. Meanwhile, the company’s public finances online seem to show that those in leadership have received raises…
Another PA who has worked there for decades emphasized that I should ask for more money.
I really want this job. I’d take it as is. The original listing showed salary range 130-160K. I’d to negotiate. While I’d like to show them other offer letters to use as leverage, I’ve canceled other interviews because I’m preparing for PANCE next week. I’m considering asking for salary of $150K or $155K. How would others proceed? I could emphasize my experience in community medicine, my English/Spanish bilingualism (the patients at the clinic mostly speak Spanish)? Would others negotiate by email or over phone? With HR director Or CMO?

Last week I (38m) finalized my divorce. I got $20k and had to pay my lawyer $14k (custody issues) leaving me with $6k.
Yesterday my truck was stolen with my girlfriend’s $2k bike and my $1k bike + $600 in other personal items and a $1600 camper shell on it. The thieves took everything to Mexico (I live near the border in the US) Insurance only pays $200 for personal items, and it may be likely I will not recover the fair market value for the truck.
I have $19k in credit card debt and $5k in personal loan debt from the failed marriage and a failed business I closed during COVID quarantine. Both have gone to collections, I’m getting letters and endless calls from the collection company.
My current gig is no longer steady pay, I am lucky to get 5-10 hours a week at $20 under the table.
My girlfriend’s minimum wage job cut her hours by two thirds. She is getting scheduled only 10-16 hours each week. She loves her work but used to make $80 an hour plus overtime and she has a graduate degree but doesn’t want to work in either of those fields as it was a huge cause of depression and anxiety.
We live in a van in one of the 3 most expensive cities in America.
I have custody of my kids every weekend, we stay at my parent’s home while we are together.
The job market where I live is a mixed bag and is very competitive. It’s not to say I can’t find a new job, I have plenty of skills I can use, no actual degree though. Unfortunately I find it very difficult to be employed rather than work for myself.
It may be the divorce and my truck being stolen in the same week but I feel completely hopeless now. The only savings I have is the $6k left from the divorce. Vanlife is wearing on my partner and I and the only reason we haven’t moved to somewhere more affordable is my kids.
What steps can I take to start to attain financial freedom? Is bankruptcy an option without any stable income? Could I invest my $6k to somehow better my situation in the long term? Should I use it to lessen my debts? Honestly any ideas or direction would be helpful as I’m feeling pretty hopeless in the moment. Thank you.

So last December my son was involved in a small fender bender wher he rear-ended a car that crossed his path from the right lane to get to the left turn lane. Two lane road, he was in the left lane. Now I received a letter from the insurance that the passenger in the other car is demanding a settlement of $500k. My coverage is 100/300 which is not enough. How worried should I be. Should I seek an attorney or wait till my insurance finalizes the claim. They are telling me not to worry right now that they have to send these notices because the claim is more then the coverage. I'm freaking out.

Hello, I've received a notification from my insurance, Cigna, that I have an outstanding balance of over $3,000. This is after I had a few procedures done. However, when I inquired about the costs beforehand, the numbers reflected did not amount to this sum.
I did not record these quotes and not sure if they'll be something I can reproduce.
I do remember the doctor working something out with the X-rays as a deal in good faith, though I'm not sure what it was they did and honestly didn't think to ask.
It's my guess that someone went back and altered how things were filed, due some potential hick-up. And now my insurance received a claim that was much higher than my initial costs.
I also received a letter in the mail from the Dentist office stating that I still owe them $200.
I don't think that the practice was trying to be deceptive, but I do think that some major mistakes have taken place and, if possible, I wanted to get a headstart on prepping the possibility of this going to court.
I know next to zero as far as the cost of all of this would entail and am also completely out of money.
What would be your first steps in this situation? I'm planning to contact the dentist practice and my insurance tomorrow, to hopefully get more details.

Promising Pathway Act 2.0
This bill is going to be introduced in Congress on this Thursday (hopefully). I need everyone’s help in getting it passed. I made a quick and easy way to send letters to your congress people. Just go to https://virtualtrials.org/activism and fill out the form. You can edit the sample letter – explain your connection to brain tumors, or just send it as is.
The bill creates a new pathway to fda approval called conditional approval and a learning system so we can figure out the best way to use these drugs alone and in combinations.
Conditional approval means that once a drug is shown to be relatively safe and early indications that it helps, it gets approved. The bar is basically after a phase 2 trial where there is enough evidence to allow it to move forward into a phase 3 trial. Once it gets conditional approval, your doctor can prescribe it and insurance should pay for it. Then everyone who uses a treatment approved under this pathway has to participate in a registry to track the treatments they do and the outcomes. Your doctors will have access to the ongoing data so they can make informed decisions on if the drugs are worth trying or not and in which combinations.
Once enough data is collected, the drug company can ask the FDA for full approval. The bar for this graduation to full approval is the same as the bar for the regular pathway. So once these drugs get full approval, they will have more research behind them than the current treatments have, and we will already know how best to use them.
The bottom line – if this bill passed when we first introduced it, you would have easy access to many different treatments now, as well as the data to help decide which would help you the most.
If you have questions about it – ask here! I helped author the bill – along with many other organizations. We have over 100 foundations supporting the bill. To see the list, look at the one pager on the web page noted above!
To be fair – there is some opposition. If interested, I can talk about it.

Promising Pathway Act 2.0
This bill is going to be introduced in Congress on this Thursday (hopefully). I need everyone’s help in getting it passed. I made a quick and easy way to send letters to your congress people. Just go to https://virtualtrials.org/activism and fill out the form. You can edit the sample letter – explain your connection to brain tumors, or just send it as is.
The bill creates a new pathway to fda approval called conditional approval and a learning system so we can figure out the best way to use these drugs alone and in combinations.
Conditional approval means that once a drug is shown to be relatively safe and early indications that it helps, it gets approved. The bar is basically after a phase 2 trial where there is enough evidence to allow it to move forward into a phase 3 trial. Once it gets conditional approval, your doctor can prescribe it and insurance should pay for it. Then everyone who uses a treatment approved under this pathway has to participate in a registry to track the treatments they do and the outcomes. Your doctors will have access to the ongoing data so they can make informed decisions on if the drugs are worth trying or not and in which combinations.
Once enough data is collected, the drug company can ask the FDA for full approval. The bar for this graduation to full approval is the same as the bar for the regular pathway. So once these drugs get full approval, they will have more research behind them than the current treatments have, and we will already know how best to use them.
The bottom line – if this bill passed when we first introduced it, you would have easy access to many different treatments now, as well as the data to help decide which would help you the most.
If you have questions about it – ask here! I helped author the bill – along with many other organizations. We have over 100 foundations supporting the bill. To see the list, look at the one pager on the web page noted above!
To be fair – there is some opposition. If interested, I can talk about it.

Promising Pathway Act 2.0
This bill is going to be introduced in Congress on this Thursday (hopefully). I need everyone’s help in getting it passed. I made a quick and easy way to send letters to your congress people. Just go to https://virtualtrials.org/activism and fill out the form. You can edit the sample letter – explain your connection to brain tumors, or just send it as is.
The bill creates a new pathway to fda approval called conditional approval and a learning system so we can figure out the best way to use these drugs alone and in combinations.
Conditional approval means that once a drug is shown to be relatively safe and early indications that it helps, it gets approved. The bar is basically after a phase 2 trial where there is enough evidence to allow it to move forward into a phase 3 trial. Once it gets conditional approval, your doctor can prescribe it and insurance should pay for it. Then everyone who uses a treatment approved under this pathway has to participate in a registry to track the treatments they do and the outcomes. Your doctors will have access to the ongoing data so they can make informed decisions on if the drugs are worth trying or not and in which combinations.
Once enough data is collected, the drug company can ask the FDA for full approval. The bar for this graduation to full approval is the same as the bar for the regular pathway. So once these drugs get full approval, they will have more research behind them than the current treatments have, and we will already know how best to use them.
The bottom line – if this bill passed when we first introduced it, you would have easy access to many different treatments now, as well as the data to help decide which would help you the most.
If you have questions about it – ask here! I helped author the bill – along with many other organizations. We have over 100 foundations supporting the bill. To see the list, look at the one pager on the web page noted above!
To be fair – there is some opposition. If interested, I can talk about it.

i’m an incoming transfer to tamu and I still don’t have an apartment… i was waiting for my financial aid offer letter but apparently we aren’t getting those until june so.. that would be way too lateeee. I have some off campus apartments in mind but i’m so indecisive.. if anyone has some reviews on these pls lmk! ( studio/ 1 bedroom apartments) - the crescent pointe’s ( the bend and the curve too) - lory of bryan - park west ( i’ve heard parking is terrible so i’m scared of that lol) - cherry street ( literally almost sold out omg) - lake walk at traditions - forest pines ( idk if there’s any available tbh) - madison pointe - residence at oakmont - 12 north ( heard bad things about this but.. what if it’s my only choice) - Ascend at Harvey
if anyone has any other recommendations of safe/ good parking apartments pls lmk!!
i would have loved to live in otto/rev but they are so pricyyy and idk if tamu will give me any financial aid even tho my SAI for FAFSA is -1500 and my family income is less than $60k, is aggie insurance a for sure thing or do only certain students get it? pls help ok i panic