A research states that 70% of people above the age of 65 require long-term care insurance for an average period of three years. People may get 80% of this long-term care at home. Besides home, the other places which fit the eligibility criteria are nursing homes, assisted living facilities, adult day care centers, and continuing care retirement communities. However, you must remember that a long-term care insurance policy differs and depends from one individual to another since their grand scheme of retirement planning and the importance they give to the policy may be different. The state of health and where you live also determines the cost and time period for which the policy is required. It is a must to consider inflation protection while planning for the policy, which will then determine whether you should go for a traditional one or a hybrid-link benefit policy. Traditional policies are generally ‘standalone’ and ‘pay-as-you-go’ ones in which premiums may be renewed for sure. They are affordable and are tailored as per the customer’s requirements. However, the advantage of hybrid ones is you need to pay the premium just once. Also, from the outset, customers may select the benefits such as the monthly amount and time period of the same. The policy may also be linked to extra insurance benefits such as an annuity or an already existing life insurance policy. It offers a money-back guarantee for sure, should a long-term care policy not be required anymore. As a result, an individual must know and be confident of what it is that are they looking for while finding and comparing long-term care insurance online quotes. There are chances that different insurance policies describe the same benefit to be gained in a different manner, perhaps for marketing purposes. For example, the inflation protection option that Genworth Financial provides is called Guaranteed Purchase Option, which is also known as Benefit Builder by John Hancock. Besides Genworth, the most reliable companies, when it comes to long-term care insurance quotes online, are Mutual of Omaha, Pacific Life, Lincoln Financial Group, One America, and Securian. There are websites that provide customers the knowledge as well as the options to compare quotes from different companies in different states free of cost. These websites also take into consideration your individual requirements so that the plans may be customized.

An electric blanket consists of integrated wires that heat the blanket. There are several types of electric blankets: electric under blankets, electric over blankets, electric throws and electric duvets, based on the way they are used. Electric blankets are placed on the mattress, below the bed cover so that it heats the bed when switched on. Another variety is the electric over blanket which is placed on the top of the bed cover. The electric blankets work with a control unit which can be used to adjust the heat. The heat level can be increased or decreased using the control unit. The electric blankets are handy for cold winters when the temperature is extremely low. Electric blankets come in various colors and sizes that must be suitable for the bed size. These blankets also come for single or two people in which the heat control can be done separately on two sides if it is a blanket for two people. It is always better to preheat the electric blanket so that the bed is in a warm condition. Electric blankets provide comfort at an affordable price. The electricity charges are minimal when compared to conventional room heating systems, which are used to heat a room. Electric blankets have worked at levels of electricity as low as 12 to 24 volts. These blankets are designed based on the heating pads. The electric blankets are designed by placing an insulated wire or heating element is inserted into the fabric. The fabric gets heated when switched on.  The control unit is the one which maintains the amount of electricity entering into the system and also the amount of heat generated based on the electricity. Some electric blankets use carbon fiber wires to produce heat in the blanket. As these wires are much thinner and consume less space, the electric blankets designed using these carbon fiber wires do not look heavy. Some electric blankets are designed to work on rheostats, which regulate the heat based on the body heat of the person using the blanket. Some varieties of electric blankets are designed in such a way that they have a shutoff mechanism to prevent the bed from overheating or to avoid the danger of fire accidents. Electric blankets have been continuously evolving, and newer designs are created based on the changes needed by the customer. Some electric blankets that work on low voltage levels as 12 volts shut down automatically every 45 minutes so that the blanket is not overheated. As electric blankets are much economical and affordable, they can be used in the night time to save power and money. The bed needs to be warm during the night, and the entire room need not get heated which makes the use of conventional heaters less feasible. People suffering from certain diseases such as arthritis and pains in muscles can benefit from the use of electric blankets. It is better to use electric blankets with newer technology as these blankets do not have the risk of catching fire due to overheating. The damaged or old electric blankets should be discarded as they pose a danger of overheating or catching fire or burring the skin of the person using it. It is better to avoid the usage of electric blankets by children and people suffering from diabetes and heart diseases. Some researchers say that the over usage of electric blankets may create fertility problems in both men and women.

A handful of people consider fibromyalgia to be a new medical condition, although it has existed for quite a long time. In the early 19th century, it was categorized as a rheumatoid issue that brought about stiffness, torment, weariness, and sleeping difficulty. From a scientific perspective, fibromyalgia is a prolonged pain state, in which the nerve jolts cause pain, originating mainly in the tissues of the body. Symptoms of fibromyalgia Symptoms in most cases develop after a physical trauma, injury, surgery, contamination or mental anxiety. In other cases, symptoms increasingly mount up over time with no particular triggering event. Women are more prone to developing fibromyalgia symptoms than men. Many individuals who have fibromyalgia likewise have strain migraines, temporomandibular joint issue, irritable bowel syndrome, anxiety, and depression. Although fibromyalgia is categorized with other arthritic conditions, it's important to know that fibromyalgia is not a type of arthritis. Arthritis causes inflammation and affects the joints. On the other hand, fibromyalgia neither causes inflammation, nor damages muscles, joints, and tissues. Diagnosis of fibromyalgia is difficult. In addition to pain, individuals affected by fibromyalgia may also face anxiety, concentration and memory problems known as "fibro fog''. It weakens the ability to focus, pay attention and concentrate on mental tasks. Fibromyalgia often co-exists with other excruciating conditions, such as irritable bowel movement, migraine, headaches, and interstitial cystitis or painful bladder syndrome. Individuals often awaken tired, despite adequate sleep and rest. Sometimes sleep process may be disrupted by pain. Numerous patients with fibromyalgia have other sleep disorders like restless legs syndrome and rest apnea. Why is it difficult to diagnose fibromyalgia? This is one ailment that doesn't have numerous obvious signs. One of the main symptoms of fibromyalgia is widespread pain. This torment is regularly felt throughout the body and can be initiated by the smallest touch. Additional symptoms frequently ascribed to fibromyalgia include a comorbid disorder incorporate myofascial pain syndrome, also referred to as long-term myofascial pain, diffuse non-dermatomal paresthesia, functional bowel disturbances and irritable bowel syndrome, genitourinary indications and interstitial cystitis, dermatological disarranges, cerebral pains, myoclonic twitches, and symptomatic hypoglycemia. Pain related to fibromyalgia may be limited in zones. For example, shoulders, neck, low back, hips, or different areas. Numerous sufferers additionally encounter differing degrees of myofascial pain and have high rates of comorbid temporomandibular joint dysfunction. At least 20 to 30 percent individuals with rheumatoid arthritis and systemic lupus erythematosus may have fibromyalgia. Is a cure possible? The condition is not completely curable. The treatment is generally symptomatic. Different medications are prescribed to manage and reduce the pain. Quality sleeping will relieve the patient from fatigue and trauma. Also, alternative therapies are considered to be quite effective in managing the condition. The patient may opt for chiropractic therapies and in general, incorporate a healthy and active lifestyle.

Contemplating about mortality is not a priority for numerous individuals. Resultantly, they fail to plan the management and disposition of their assets, which invariably leads to confusion, financial crisis, and disharmony among surviving family members. The best thing that one can do to ward off such situations is to undertake estate planning. As per the popular perception, estate planning is a time and effort-intensive affair meant to be undertaken in the elderly days. However, in reality, the process is not that complicated, provided you adhere to a systematic approach. Mentioned below are few simple yet effective steps to help you navigate the entire process conveniently. Prepare a list of your assets You can set the ball rolling by prioritizing all your current and projected assets, which can be in the form of investments, insurance policy keepsakes, and savings for the retirement. This will help you choose the appropriate course of action and maximize benefits that estate planning is supposed to bring to you and your heirs. Decide your heir(s) The whole idea of estate planning boils down to helping your heir gain the property for which you toiled all your life. Here, deciding on an appropriate heir, who can be your spouse, child, distant cousin or an organization, is imperative. After all, everybody wants their legacy to flourish after they depart. Decide about the decision makers You need to decide individuals who will don different roles during your lifetime and afterward. Start by short-listing an executor who will be executing your will, catering to all the modalities involved in property distribution, and filing tax returns. Since the possibility of physical and mental incapability in the elderly days cannot be ignored, you need to designate someone who can take care of your financial affairs in such predicaments. Next on the list has to be an individual who can make medical decisions on your behalf, if your physical or mental condition does not allow you to do the same. Create your will To each his own is the mantra when it comes to drafting your will. If your finances are modest, relying on an appropriate online legal document service makes sense. Otherwise, you can seek professional help from an attorney who will help you draft the will without much hassle. Depending on several factors, the attorney fee may range from $500 to $2,000. It is advisable to prefer an attorney with a respectable reputation and a systematic as well ethical approach. Assign power of attorney With age, our decision-making abilities deteriorate. As such, it is in your best interest to assign a power of attorney to someone who is intelligent enough to make pragmatic decisions on your behalf. Known as attorney in fact, the designated person will be at the helm of all your financial affairs. Paying your bills and looking after your investments will be high on his/her agenda. Contrary to the perception, real estate planning is not that intricate a task. You just need to follow the aforementioned steps and help yourself to a hassle-free management and disposition of assets.

Mesothelioma is categorized on the basis of the part of the body where it develops. As such, there are four types of mesothelioma: pleural (lungs), peritoneal (abdomen), pericardial (heart) and testicular (testes). Here they are described in more detail.

• Pleural mesothelioma: When mesothelioma develops in the linings of the lungs or pleura, it is called pleural mesothelioma. It is the most common type of mesothelioma and accounts for 75% of the new cases. Pleural mesothelioma is hard to diagnose. The symptoms in its early stage are unclear, but when it reaches the later stages (3 or 4), the condition deteriorates drastically. Hence, even after diagnosis, a prognosis is rarely successful.
• Peritoneal mesothelioma: This originates in the lining of the abdomen. It tends to spread to the abdominal organs like liver, spleen and the bowel. The most common symptom of this type of mesothelioma is severe abdominal pain and discomfort due to fluid build-up in that region. Prognosis of peritoneal mesothelioma is poor, but it has significantly developed in the recent years. However, chances of surviving this condition depend on the condition of the patient.
• Pericardial mesothelioma: Pericardial mesothelioma develops in the lining of the ear cavity known as pericardium. It is a sporadic form of mesothelioma and accounts for only 1% of the reported cases. The most common symptoms are similar to that of a heart attack, so there are high chances of a misdiagnosis.
• Testicular mesothelioma: It occurs in the lining of the testes known as tunica vaginalis. It is the rarest form; only 100 such cases have been reported around the world in the medical history. Since it is such a rare disease, very few people know about its symptoms, diagnosis, and prognosis.

Mesothelioma symptoms are similar to other diseases. So there are chances that it may be misdiagnosed. Consult your doctor always if you feel any discomfort in any of the areas mentioned above.

Here's how you can avoid medical identity theft Due to the digitization of medical records, the chances of identity theft have also increased to a great extent. Not only the data should be secured, but it needs to be also available for research. Although the companies around the world are trying to find security solutions, here's what you should do to avoid identity theft. Sharing of information When you want to share information, make sure to provide only necessary details. Confidential data is prone to leakage and can cause more harm than good in the long run, therefore exercise caution and confirm whether it is important to reveal the same. In fact, do not give information on the phone, but visit the hospital personally to provide data. It would help you to protect the privacy of the information and prevent misuse if any. Be careful with emails More often than not phishing emails are sent to the user to get required information. One should not click on the email addresses that are unrecognizable. Even if you get a legitimate email, verify from the trusted sources before clicking on the same. Keep either paper or digital records You can either keep paper or digital records because if the information is maintained simultaneously in two modes, it would be prone to identity theft. Public Wi-Fi Patients should not use public Wi-Fi internet to enter information. If you want to use the connection, make sure that the device is protected by the security software. Beware of the cloud services If you are using cloud services, check the security systems in place. Not all of them are reliable; therefore store the information in the customized encrypted format. You can opt for services equipped with multiple security layers. In addition, one should also not share information on the social media because of the chances of spills over increases manifold. Conclusion While initiating online communication with the health care provider, one needs to be very careful. To start with, ascertain that the person asking for information is genuine. You can also log on to the internet and check your credit score.