Things You Should Never Apologize For...

Posted on Sun, Apr 24, 2016

Fotolia_69656456_XS-950228-edited.jpg

Yep, we all make mistakes.  We’re allowed, we’re human.  And when we do make an error in judgment, we simply apologize and move on.  Missy Yost has some great advice in her article in Lifehack.  We’ve picked our favorites below and added a link to the Lifehack site here.

But the truth is, there are simply some actions we shouldn't have guilt over because our emotional and physical health depends on it. Below, find seven instances that don't merit apologies, and instead deserve some celebration! (Sorry we're not sorry.)

You Should Never Apologize for Saying No

So often we find ourselves saying “yes” when the truth is you simple don’t want to. Years ago a wise woman taught me these two sentences, “Thank you for asking. That doesn’t work for me.” 

You Should Never Apologize for Following a Dream

Never apologize for following a dream because that dream makes you who you are. You will never fulfill happiness unless you live your dreams instead of dreaming your life.

You Should Never Apologize for Taking “Me” Time

You will never be successful and fulfill your happiness unless you first take care of yourself. Always take care of your own needs and take “me time” to do things that make you happy.

You Should Never Apologize for Your Priorities

Always take care of your own priorities first. If it’s important to you then it is important. The people who matter will respect your choice.

You Should Never Apologize for Your Imperfections

Imperfections are what makes you beautiful and unique. They should be embraced. Never say you’re sorry for a quality that makes you imperfectly perfect.

You Should Never Apologize for Standing your Ground

Never say you are sorry for defending your values, morals, ethics, religious or spiritual beliefs. Leaders never apologize for doing what they feel is right.

You Should Never Apologize for Not Knowing the Answer

Being able to admit you do not know is a sign of strength and humility.

You Should Never Apologize for Spending Money on Yourself

Buying yourself something nice improves your self-esteem. Happy and successful people know their own desires are important to a fulfilling life.

Dean & Draper

We hope you found the blog as interesting and thought provoking as we did.  We invite you to add you thoughts in our comments section below.

Dean& Draper is a Trusted Choice insurance agency representing over 200 insurance companies. For over 35 years we have offered a trusted freedom of choice to our clients.  ContactUs..

 

The recommendation(s), advice and contents of this material are provided for informational purposes only and do not purport to address every possible legal obligation, hazard, code violation, loss potential or exception to good practice. Dean & Draper Insurance Agency specifically disclaims any warranty or representation that acceptance of any recommendations or advice contained herein will make any premises, property or operation safe or in compliance with any law or regulation. Under no circumstances should this material or your acceptance of any recommendations or advice contained herein be construed as establishing the existence or availability of any insurance coverage with Dean & Draper Insurance Agency. By providing this information to you, Dean & Draper Insurance Agency does not assume (and specifically disclaims) any duty, undertaking or responsibility to you.  The decision to accept or implement any recommendation(s) or advice contained in this material must be made by you.

 

©2016 Dean & Draper Insurance Agency All Rights Reserved.

Topics: Communications, Building Relationships

UPDATE: OFFICE CLOSED TODAY (4/18/16)

Posted on Mon, Apr 18, 2016

Due to severe flooding in the Houston area we are closing our office today (4/18/2016).  Please stay safe. Thanks.

Topics: Dean & Draper News

OFFICE CLOSED UNTIL 10am (4/18/16)

Posted on Mon, Apr 18, 2016

Due to severe flooding in the Houston area, our office will open at 10am (4/18/2016).  We will keep you posted for any further delays. Thanks.

Topics: Dean & Draper News

April is Child Abuse Prevention Month

Posted on Sun, Apr 17, 2016

Fotolia_76424855_XS.jpg

We’re all aware that children across this country are being abused.  Until April comes around and Child Abuse Prevention Month comes along, this issue just might not hit our radar.  For some people – mostly kids – abuse is a daily event.  Here are some statics from TexProtects, The Texas Association for the Protection of Children.

In Texas, more than 3 children die from abuse or neglect on average every week, 182 children are confirmed victims daily, and more than 7 children are maltreated every hour.

What is Child Abuse?

Child abuse is the mistreatment of a child that results in harm or injury. There are four basic types of child abuse. Children being abused are likely to experience more than just one type of abuse.

Signs of Child Abuse

  • Unexplained injuries
  • Changes is emotional behavior
  • Returning to less mature/younger behavior
  • Fear of going home
  • Changes in school performance or attendance
  • Lack of personal care in hygiene
  • Risk-raking behavior

What are the types of abuse?

Neglect

Failure to provide for a child’s basic physical, medical, or emotional needs. Leaving a young child home alone or failing to provide needed medical care may also be considered neglect. Over 80% of child abuse cases in Texas and in the U.S. are the result of neglect.

Physical Abuse

A physical injury that results in substantial harm to the child, such as bruises, fractures, or death. It also can include a genuine threat of harm even if there is no visible injury.

Emotional Abuse

An action that results in a marked impact on a child's growth, development, or psychological functioning. Emotional abuse includes extreme forms of punishment such as confining a child in a dark closet, habitual scapegoating, or belittling to the point that it results in noticeable effects on the child's daily functioning.

Sexual Abuse

Sexual conduct harmful to a child's mental, emotional, or physical welfare. This includes fondling a child’s genitals, penetration, indecent exposure, and exploitation through prostitution or producing pornography.

Everyone is a Mandatory Reporter in Texas

The Texas Department of Family and Protective Services (DFPS) has a central place to report:

  • Child abuse and neglect.
  • Abuse, neglect, self-neglect, and exploitation of the elderly or adults with disabilities living at home.
  • Abuse of children in child-care facilities or treatment centers
  • Abuse of adults and children who live in state facilities or are being helped by programs for people with mental illness or intellectual disabilities. These are run by the Texas Department of State Health Services (DSHS) or Texas Department of Aging and Disability Services (DADS).

Texas law says anyone who thinks a child, or person 65 years or older, or an adult with disabilities is being abused, neglected, or exploited must report it to DFPS. A person who reports abuse in good faith is immune from civil or criminal liability. DFPS keeps the name of the person making the report confidential. Anyone who does not report suspected abuse can be held liable for a misdemeanor or felony. Time frames for investigating reports are based on the severity of the allegations. Reporting suspected abuse makes it possible for a family to get help.

Dean & Draper

This week’s blog was disturbing to write and read.  We would hope that in our world abuse simply wouldn’t happen.  Of course that’s simply not the reality of our times.  You are invited to browse the links embedded in this blog and learn more about what you can do to prevent abuse.

Dean& Draper is a Trusted Choice insurance agency representing over 200 insurance companies. For over 35 years we have offered a trusted freedom of choice to our clients.  ContactUs.

 

The recommendation(s), advice and contents of this material are provided for informational purposes only and do not purport to address every possible legal obligation, hazard, code violation, loss potential or exception to good practice. Dean & Draper Insurance Agency specifically disclaims any warranty or representation that acceptance of any recommendations or advice contained herein will make any premises, property or operation safe or in compliance with any law or regulation. Under no circumstances should this material or your acceptance of any recommendations or advice contained herein be construed as establishing the existence or availability of any insurance coverage with Dean & Draper Insurance Agency. By providing this information to you, Dean & Draper Insurance Agency does not assume (and specifically disclaims) any duty, undertaking or responsibility to you.  The decision to accept or implement any recommendation(s) or advice contained in this material must be made by you.

 ©2016 Dean & Draper Insurance Agency All Rights Reserved.

 Resources

U.S. Department of Health and Human Services

TexProtexts, Texas Association for the Protection of Children

Texas Department of Family and Protective Services (DFPS)

The Cap Abuse Prevention Center

http://www.thecapcenter.org/help/events/child-abuse-prevention-month-2016

Topics: April is Child Abuse Prevention Month, Child Abuse Prevention

Sleep Myths & Signs You Aren’t Sleeping Enough

Posted on Sun, Apr 10, 2016

Fotolia_58354399_XS.jpg

Sacrificing an hour or two of rest in order to get more done may sound like a reasonable trade-off in order to finish more projects.  The truth is that even minimal sleep loss takes a toll on your mood, energy, mental sharpness, and ability to handle stress. And over the long-term, chronic sleep loss wreaks havoc on your health.

The excerpts from article below from the Information from HelpGuide.org highlights the need for sleep, the myths and facts about sleep, average sleep needs by age, and how to tell if you are sleep deprived.

By understanding your nightly sleep needs and what you can do to bounce back from chronic sleep loss, you can finally get on a healthy sleep schedule.

Sleep is a Necessity

The quality of your sleep directly affects the quality of your waking life, including your productivity, emotional balance, creativity, physical vitality, and even your weight. No other activity delivers so many benefits with so little effort!

The good news is that you don't have to choose between health and productivity. As you start getting the sleep you need, your energy and efficiency will go up. In fact, you're likely to find that you actually get more done during the day than when you were skimping on shuteye.

Myths and Facts about Sleep

Myth 1: Getting just one hour less sleep per night won’t affect your daytime functioning.You may not be noticeably sleepy during the day, but losing even one hour of sleep can affect your ability to think properly and respond quickly. It also compromises your cardiovascular health, energy balance, and ability to fight infections.

Myth 2: Your body adjusts quickly to different sleep schedules. Most people can reset their biological clock, but only by appropriately timed cues—and even then, by one or two hours per day at best. Consequently, it can take more than a week to adjust after traveling across several time zones or switching to the night shift.

Myth 3: Extra sleep at night can cure you of problems with excessive daytime fatigue. The quantity of sleep you get is important, sure, but it's the quality of your sleep that you really have to pay attention to. Some people sleep eight or nine hours a night but don’t feel well rested when they wake up because the quality of their sleep is poor.

Myth 4: You can make up for lost sleep during the week by sleeping more on the weekends. Although this sleeping pattern will help relieve part of a sleep debt, it will not completely make up for the lack of sleep. Furthermore, sleeping later on the weekends can affect your sleep-wake cycle so that it is much harder to go to sleep at the right time on Sunday nights and get up early on Monday mornings.

Adapted from: Your Guide to Healthy Sleep, The National Institutes of Health

How many hours of sleep do you need?

According to the National Institutes of Health, the average adult sleeps less than seven hours per night. In today’s fast-paced society, six or seven hours of sleep may sound pretty good. In reality, though, it’s a recipe for chronic sleep deprivation.

Average Sleep Needs by Age

Newborn to 2 months old

12 - 18 hrs

3 months to 1 year old

14 - 15 hrs

1 to 3 years old

12 - 14 hrs

3 to 5 years old

11 - 13 hrs

5 to 12 years old

10 - 11 hrs

12 to 18 years old

8.5 - 10 hrs

Adults (18+)

7.5 - 9 hrs

While sleep requirements vary slightly from person to person, most healthy adults need between 7.5 to 9 hours of sleep per night to function at their best. Children and teens need even more (see Average Sleep Needs table below). And despite the notion that our sleep needs decrease with age, older people still need at least 7.5 to 8 hours of sleep. Since older adults often have trouble sleeping this long at night, daytime naps can help fill in the gap.

You may be sleep deprived if you...

  • Need an alarm clock in order to wake up on time
  • Rely on the snooze button
  • Have a hard time getting out of bed in the morning
  • Feel sluggish in the afternoon
  • Get sleepy in meetings, lectures, or warm rooms
  • Get drowsy after heavy meals or when driving
  • Need to nap to get through the day
  • Fall asleep while watching TV or relaxing in the evening
  • Feel the need to sleep in on weekends
  • Fall asleep within five minutes of going to bed

The effects include:

  • Fatigue, lethargy, and lack of motivation
  • Moodiness and irritability
  • Reduced creativity and problem-solving skills
  • Inability to cope with stress
  • Reduced immunity; frequent colds and infections
  • Concentration and memory problems
  • Weight gain
  • Impaired motor skills and increased risk of accidents
  • Difficulty making decisions
  • Increased risk of diabetes, heart disease, and other health problems

For more information on getting enough sleep, visit the HelpGuide.com website.  You can also download Your Guide to Healthy Sleep from the National Institutes of Health.  

Dean and Draper

Getting your quota or sleep each night can do wonders to improve your health and productivity.  We hope you will trade your bad sleep habits for some energy and great day tomorrow. 

Dean& Draper is a Trusted Choice insurance agency representing over 200 insurance companies. For over 35 years we have offered a trusted freedom of choice to our clients.  ContactUs.

The recommendation(s), advice and contents of this material are provided for informational purposes only and do not purport to address every possible legal obligation, hazard, code violation, loss potential or exception to good practice. Dean & Draper Insurance Agency specifically disclaims any warranty or representation that acceptance of any recommendations or advice contained herein will make any premises, property or operation safe or in compliance with any law or regulation. Under no circumstances should this material or your acceptance of any recommendations or advice contained herein be construed as establishing the existence or availability of any insurance coverage with Dean & Draper Insurance Agency. By providing this information to you, Dean & Draper Insurance Agency does not assume (and specifically disclaims) any duty, undertaking or responsibility to you.  The decision to accept or implement any recommendation(s) or advice contained in this material must be made by you.

©2016 Dean & Draper Insurance Agency All Rights Reserved.

Topics: health effects of sleeplessness, sleeplesness

Our Newest Obsession - Online Browsing

Posted on Sun, Apr 03, 2016

Fotolia_95108783_XS.jpg

We’re all guilty of falling into the abyss of the internet.  Go to Google to get the answer to one question and 30 minutes later waking up a dozen websites away wondering how we got there.  No surprise our productivity is shot. 

The gem in a recent HubSpot article, Breaking Up With Bad Habits: How I finally Stopped Procrastinating Online, author Scott Tousley sings the praises of a free website-blocking Google Chrome extension that can be set up in 30 seconds. 

So, how does it work?  After you set a specified amount of time, StayFocused blocks distracting websites and puts this message on your screen.  (LK: I couldn’t help adding some comments of my own.)

Shouldn’t you be working?

Scott describes the StayFocused setup in three steps.  (LK: Making a list of the distracting websites sounds like I’m going to break up with some of my best friends.)

Step 1: Write down all websites that distract you.   

Websites that distract me most, causing Black Hole Browsing, are Facebook, Twitter, Linkedin, Google Trends, and upvote-based websites such as reddit, Hacker News, or inbound.org. Thus, I setup my StayFocusd accordingly. 

Step 2: Set maximum time allowed for all websites each day.

I set my maximum time allowed to 10 minutes per day, which blocks all websites listed. This forces me to move quickly when checking Facebook, Twitter notifications, Linkedin requests, the headlines on Google Trends, and articles websites. (LK: 10 minutes? Are you serious?)

If something looks intriguing, I'll save to Pocket for later. 

10 minutes too little? Cool. Work your way down. Start at an hour. It doesn't matter. All that matters is you start somewhere. 

Step 3: Set active days and hours websites are blocked. 

I block web pages every day of the week, for all hours. 

Why? I don't want to waste any of my life mindlessly browsing online, not merely weekday business hours.

Instead, 24/7 Black Hole Browsing blockage forces me to focus on things that are actually important, both professionally and personally. Professionally, I focus on writing these blog posts (!), listening to your feedback, and analyzing data.

Laser focus on important professional tasks then allows me more time to enjoy personal activities I love, such as hanging with family and friends, writing, playing piano, and surfing (in the water, not the web). 

Great ideas, Scott!

Dean & Draper

We want to help you focus on shopping for personal or business insurance.  Dean & Draper is happy to shop your policies, recommend changes in your coverage, and help you select the best coverage for your individual situation.  We’re only a phone call away.

The recommendation(s), advice and contents of this material are provided for informational purposes only and do not purport to address every possible legal obligation, hazard, code violation, loss potential or exception to good practice. Dean & Draper Insurance Agency specifically disclaims any warranty or representation that acceptance of any recommendations or advice contained herein will make any premises, property or operation safe or in compliance with any law or regulation. Under no circumstances should this material or your acceptance of any recommendations or advice contained herein be construed as establishing the existence or availability of any insurance coverage with Dean & Draper Insurance Agency. By providing this information to you, Dean & Draper Insurance Agency does not assume (and specifically disclaims) any duty, undertaking or responsibility to you.  The decision to accept or implement any recommendation(s) or advice contained in this material must be made by you.

©2016 Dean & Draper Insurance Agency All Rights Reserved.

 

Topics: Home Insurance, Stop Wasting Time, Becoming Efficient

What Conditions Must Be Met to Fix the Value of Your Business for Estate Tax Purposes?

Posted on Sun, Mar 27, 2016

Fotolia_90601251_XS.jpgAs a business owner, share holder, or partner. taking care of disposing of your business assets in the event of you or your partner's death is truly best handled before the event.

If certain conditions are met, a binding buy-sell agreement may fix the value of a business interest for estate tax purposes. The purchase price, whether a fixed amount or one determined by a formula, can be accepted as the estate tax valuation if these conditions are met:

  1. The buy-sell agreement must create an enforceable obligationon the part of the estate of the deceased owner to sell and the buyer to purchase the business interest.
  2. The buy-sell agreement must prohibitthe owner from disposing of his or her business interest during lifetime without first offering it to the other parties to the agreement at a price not higher than the price (fixed or formula) specified in the agreement.
  3. The buy-sell agreement must be the result of an "arm's length" transaction, meaning that the price must be fair and adequate at the time of the agreement or any subsequent reevaluation.

Without a binding buy-sell agreement, there can be a great deal of additional detail and uncertainty as to the valuation of a business interest at the owner's death, adding to the time and expense required to settle the estate, as well as making it difficult to predict and plan for any estate taxes.

A Note from Jerry LinvilleJerry_Linville.jpg

I would like to take this opportunity to welcome you and thank you for taking the time to visit our site. I encourage you to take advantage of the tools and information we supply which are designed to help you reach an educated and informed decision about whether long-term care insurance is appropriate for you.

After you have had time to review our information and work with our LTCI Planning Tools we will be happy to address any questions or concerns you might have regarding long-term care or long-term care insurance. Please call me, 281-794-3783.

Dean& Draper is a Trusted Choice insurance agency representing over 200 insurance companies. For over 35 years we have offered a trusted freedom of choice to our clients.  Contact Us.

The recommendation(s), advice and contents of this material are provided for informational purposes only and do not purport to address every possible legal obligation, hazard, code violation, loss potential or exception to good practice. Dean & Draper Insurance Agency specifically disclaims any warranty or representation that acceptance of any recommendations or advice contained herein will make any premises, property or operation safe or in compliance with any law or regulation. Under no circumstances should this material or your acceptance of any recommendations or advice contained herein be construed as establishing the existence or availability of any insurance coverage with Dean & Draper Insurance Agency. By providing this information to you, Dean & Draper Insurance Agency does not assume (and specifically disclaims) any duty, undertaking or responsibility to you.  The decision to accept or implement any recommendation(s) or advice contained in this material must be made by you.

 

©2016 Dean & Draper Insurance Agency All Rights Reserved.

Topics: Business Insurance, Selling a Business, Real Estate Tax

Tips for Purchasing Cyber Breach Insurance

Posted on Sun, Mar 20, 2016

Fotolia_96743599_XS.jpgClearly the ongoing challenges of data breaches are continuing to cost businesses millions of dollars.  The question is now not “if” but “when” a company will be attacked.

In fact, according to the Ponemon Third Annual Study on Data Breach Preparedness, only 35% of organizations had a data breach or Cyber insurance policy in 2015, and many more are now looking to buy policies.

In order to secure the best coverage option, companies must work with their brokers to evaluate policies, as well as take steps to assess their cyber risks and reduce the overall cost of insurance.

Here are three tips exerpted from an article in PropertyCasualty360 with great tips for risk managers to keep in mind when working with brokers to select a Cyber insurance policy:

Work with your broker

Companies need to properly evaluate policies to ensure they are getting coverage that meets their risk profile.

In speaking with companies and Cyber insurance brokers who have been through the process of buying coverage, these are the key aspects to look for in a policy:

  • Coverage for crisis response services including forensics, legal and data breach resolution partners that are well established and are experts in the industry.
  • Coverage for third-party cloud or other IT providers who have access to sensitive information of the covered company.
  • Risk management services ahead of an incident that can help the company more effectively prepare for managing security or privacy incidents.

Overall, be sure to obtain a top quality broker that understands the coverage landscape and can help you navigate through the range of options presented based on an understanding of your company and your industry.

Ask smart questions

The early insurers in the Cyber insurance market have been around for more than 10 years, but because of the high-profile retail and healthcare breaches over the past 18 months, we have seen an uptick in new players in the market. Because of the increase in providers, companies should be sure to ask questions when deciding between policies to ensure that they’re selecting coverage best suited for their needs. Questions your broker should ask insurers include:

  • What is the breadth of coverage and what exemptions are in the policy? Do they demonstrate a clear understanding of the real risks this company faces from security threats?
  • How much loss experience does the insurer have in this area? Has the insurer paid actual data breach claims and covered other previous, major incidents?
  • Does the insurer have specific policies that account for the risks or needs of your organization’s industry?

Many older generations of Cyber policies contained exclusions that would make that coverage noncompetitive in today’s marketplace. It’s important to cover all the aspects of a response, both pre- and post-breach, and dig into what’s really included and excluded in a potential future loss.

Ultimately, companies will benefit greatly from cyber insurance if they are informed about their security risks, educated on the variety of policies available and aware of the coverage they need. Just remember, it is your responsibility to be an educated buyer. Following these three tips when working with your broker can help ensure you get a policy that fits your organization.

Dean and Draper

We welcome your questions about cyber insurance and the changes in coverage. 

The recommendation(s), advice and contents of this material are provided for informational purposes only and do not purport to address every possible legal obligation, hazard, code violation, loss potential or exception to good practice. Dean & Draper Insurance Agency specifically disclaims any warranty or representation that acceptance of any recommendations or advice contained herein will make any premises, property or operation safe or in compliance with any law or regulation. Under no circumstances should this material or your acceptance of any recommendations or advice contained herein be construed as establishing the existence or availability of any insurance coverage with Dean & Draper Insurance Agency. By providing this information to you, Dean & Draper Insurance Agency does not assume (and specifically disclaims) any duty, undertaking or responsibility to you.  The decision to accept or implement any recommendation(s) or advice contained in this material must be made by you.

©2016 Dean & Draper Insurance Agency All Rights Reserved.

 

Sources:

To read the full article, click here.  PropertyCasualty360

Mark Greisiger is president of Gladwyne, Pa.-based cyber risk assessment and data breach services company NetDiligence. Contact him at mark.greisiger@netdiligence.com.

Michael Bruemmer, CHC,  CIPP/US, is vice president of Dublin-based Experian’s Data Breach Resolution group. Contact him at michael.bruemmer@experian.com. PropertyCaluaoty360

Topics: Business Insurance, Cyber Liability Insurance

Spring Cleaning is for the Garden, Too

Posted on Sun, Mar 13, 2016

Fotolia_92185137_XS.jpg

In Houston Spring frequently creeps up on us.  With the hot, cold, hot, cold cycle we can get into, determining exactly when to plant for spring is a difficult decision.  To give you a head start, we have consulted our Sal Vaslica, with This Old House Magazine.  Some of his best tips are below.

Prune away dead and damaged branches. 

Where tree or shrub branches have been damaged by cold and wind, prune back to live stems. Use a handsaw for any larger than ½ inch in diameter. Shaping hedges with hand pruners, rather than electric shears, prevents a thick outer layer of growth that prohibits sunlight and air from reaching the shrub's center. Prune summer-flowering shrubs and wait to prune spring bloomers, like forsythia, until after they flower.

Cut back and divide perennials as needed.

Prune flowering perennials to a height of 4–5 inches and ornamental grasses to 2–3 inches to allow new growth to shoot up. Dig up perennials, such as daylilies and hostas, to thin crowded beds; divide them, leaving at least three stems per clump, and transplant them to fill in sparse areas. Cut back winter-damaged rose canes to 1 inch below the blackened area.  A pair of sharp bypass pruners makes a clean cut on both dead and living foliage.

Clean Up Around Plants.

Rake out fallen leaves and dead foliage (which can smother plants and foster disease), pull up spent annuals, and toss in a wheelbarrow with other organic yard waste. Remove existing mulch to set the stage for a new layer once spring planting is done. Now is a good time to spread a pelletized fertilizer tailored to existing plantings on the soil's surface so that spring rains can carry it to the roots. Use pins to fasten drip irrigation lines that have come loose and a square-head shovel to give beds a clean edge and keep turf grass from growing into them.

Neaten Up Hardscape Surfaces.

Rake escaped gravel back into aggregate walkways and patios, and order more gravel to spread in large depressions, which often form near the driveway's apron. Refill joints between flagstones by sweeping in new sand or stone dust; water with a hose to set it, then repeat. Use a pressure washer with a low pressure tip to remove slippery algae spots or leaf stains from patios and walkways.

Dean & Draper

It’s a great feeling to have your lawn and gardens looking good and ready for spring.  While you are sprucing up the house, why not get your home owner’s insurance reviewed?  We are happy to go over your insurance, check out your coverage, and make sure you’re covered.  And we’re only a phone call away, 713.527.0444.

Dean& Draper is a Trusted Choice insurance agency representing over 200 insurance companies. For over 35 years we have offered a trusted freedom of choice to our clients.  Contact Us..

The recommendation(s), advice and contents of this material are provided for informational purposes only and do not purport to address every possible legal obligation, hazard, code violation, loss potential or exception to good practice. Dean & Draper Insurance Agency specifically disclaims any warranty or representation that acceptance of any recommendations or advice contained herein will make any premises, property or operation safe or in compliance with any law or regulation. Under no circumstances should this material or your acceptance of any recommendations or advice contained herein be construed as establishing the existence or availability of any insurance coverage with Dean & Draper Insurance Agency. By providing this information to you, Dean & Draper Insurance Agency does not assume (and specifically disclaims) any duty, undertaking or responsibility to you.  The decision to accept or implement any recommendation(s) or advice contained in this material must be made by you.

 

©2016 Dean & Draper Insurance Agency All Rights Reserved.

 

Topics: Insurance Reivew, Spring Gardening

Second Counts – Get Ready for the Ambulance

Posted on Sun, Mar 06, 2016

Fotolia_1762543_XS.jpg

AARP is a great source for information like how to get ready for the arrival of an ambulance.  The tips below for getting your home ambulance ready could save someone’s life.

Over half of the 55,000 daily 911 calls are from Americans 55 or older. Here are 7 tips to help EMTs save you from Peg Rosen is a New Jersey–based EMT and writer who frequently covers health.

Tip 1: Clear the Way

Snow and untrimmed greenery can impede Emergency Medical Services (EMS) access. If you live in a single-family home, have someone plow or shovel as soon as possible after it snows. Trim bushes and low-hanging trees by your driveway; keep stairways in good repair. If you live in a condo or apartment complex, alert your super or front desk that EMS will need access to you.

Tip 2: Make Your House a Beacon

Emergency medical technicians (EMTs) have detailed maps and GPS devices to help them get to you quickly. But bad signage and lighting can cause big delays. If you live in a condo or apartment, ask management for abundant lighting. With a house, consider using reflective numbers, or mark the curb front with reflective paint.

Tip 3: Don't Lock Out EMTs

EMTs and firefighters will break down a door to reach you, but that takes time that patients in crisis may not have. Make a key available. Stow a spare in a small lockbox outside the house. You can yell out to EMTs where to find it. Or better: Call the local EMS and ask it to note the lockbox location and combination in its database.

Tip 4: Declutter Your Home

As people get older, they may not tidy up their homes as much as they used to. The resulting clutter can keep EMS from getting a stretcher into the room where it's needed — and delay lifesaving CPR. Clear a path to all rooms where people spend time, and provide an open space around a bedbound person to allow EMTs to do their work.

Tip 5: Keep Your Records Handy

If EMTs find you alone and unconscious, they have no choice but to rattle through night tables and pockets in search of meds, monitors and records. Keep health cheat sheets on the fridge, including an up-to-date list of your physicians, medications and surgeries, plus copies of your most recent EKG and advance directives.

Tip 6: Swap Out Confusing Jewelry

Standard medical-alert jewelry sends its message loud and clear. Charms designed to be fashionable, however, can easily be mistaken for ornamental baubles. Replace them: The red Star of Life symbol incorporating a medical staff is instantly recognizable. Also, include an 800 number for an emergency medical information service.

Tip 7: Alert EMS to Special Needs

An ambulance crew of two is often incapable of safely lifting someone weighing over 300 pounds: Special equipment must be called in. Phone your local 911 dispatcher and ask for a note to be added to your home-address file about a person of size on the premises, or about any other physical disabilities that might hinder a rescue.

After You've Dialed 911

Whether you or a family member or caregiver calls …

Stay on the phone; answer the dispatcher's questions and follow directions. Lock pets away if you're home. Have someone walk the dog away if you're on the street. Don't move the patient if she has fallen or been injured — unless she is in harm's way. Don't give the patient anything to eat or drink unless otherwise instructed by 911.

Gather your personal effects so you'll be ready to leave when the ambulance arrives. If possible, send someone to the front of your house or building to wave EMS in. Open the front door; make sure the front light is on.

Dean & Draper

During an emergency, keeping calm is a difficult task. Ask your neighbors for help with the task listed above, directing the ETS to your door, staying on the phone with the 911 operator, plus putting the dog and cat away. 

If you have questions about filing you insurance claims, we are always here to answer your questions.

Dean& Draper is a Trusted Choice insurance agency representing over 200 insurance companies. For over 35 years we have offered a trusted freedom of choice to our clients.  ContactUs.

The recommendation(s), advice and contents of this material are provided for informational purposes only and do not purport to address every possible legal obligation, hazard, code violation, loss potential or exception to good practice. Dean & Draper Insurance Agency specifically disclaims any warranty or representation that acceptance of any recommendations or advice contained herein will make any premises, property or operation safe or in compliance with any law or regulation. Under no circumstances should this material or your acceptance of any recommendations or advice contained herein be construed as establishing the existence or availability of any insurance coverage with Dean & Draper Insurance Agency. By providing this information to you, Dean & Draper Insurance Agency does not assume (and specifically disclaims) any duty, undertaking or responsibility to you.  The decision to accept or implement any recommendation(s) or advice contained in this material must be made by you.

©2016 Dean & Draper Insurance Agency All Rights Reserved.

Topics: medical emergency, what to take on the ambulance