Wednesday, 24 July 2013
who can you trust ?
Every human being comes into this world by decree of Allah, and with him or her, carries a life journey that has been pre-ordained, written and endorsed by Allah Himself - a unique path, a journey throughout a temporary abode – one that is full of obstacles, challenges, punishments and plenty of rewards.
For Muslims la-ilaha-ill-Allah (the phrase that denotes that there is no deity, save for Allah), is more than just a saying of conviction, rather it embodies the entirety of being Muslim.
{And put your trust in Allah, if you are believers indeed.} (5:23)
When a Muslim says this first part of the shahadah, (the testimonial of faith for Muslims), he or she is submitting in totality to the will of Allah, for the simple reason, there is no deity worthy of worship, save for Allah.
This may sound simple for some: just eliminate, for example, statues of worship, or do not submit to any other religious structure. Unfortunately, the human being is easily tempted and one can sometimes perceive other forms of worship, such as a career-path, money, power, a relationship even, or the coveting of a worldly prize. When this happens, this person’s focus of worship changes into one that is geared towards worldly pleasures and instead of seeking Allah’s pleasures in life; he or she may become overly focused on his or her object of obsession.
{But sufficient is your Lord as a Guide and Helper.} (25: 31)
For a person who forgets the belief in one single God, it is easier for him or her to fall into sadness, and even clinical depression when the going gets tough. But believers are reminded that {Nothing shall ever happen to us except what Allah has ordained for us,} (9:51) and are often reminded that there will always be challenges in life that will force them to think and reflect and each challenge has actually been uniquely tailored to fit each person’s situation, surroundings, personality and physical /spiritual or mental strength.
In Islam, there is a way to feel less sorrow or grief, by invoking Allah to provide strength and patience
Whether it is the short-change of a promotion, another failed IVF cycle, a difficult final year exam paper, a falling out with a friend, a horrible illness, an attack on a Masjid or the loss of a loved one, those who practice tawakkul – the complete trust in Allah – will be able to handle the situation in a more positive light, as compared to someone who did not have that trust.
There are many ways to achieve tawakkul. And even if one is certain of his or her trust in Allah, a booster shot would never hurt the heart or soul.
Spend Time to Reflect, Shed Tears if Need Be
No human being can escape sadness. But in Islam, there is a way to feel less sorrow or grief, by invoking Allah to provide strength and patience. Prophet Muhammad (peace and blessings be upon him) described his tears over the death of his son, Ibrahim, as part of his humanness. {Verily with hardship, there is relief,} (96:6) the Qur’an reminds.
Tears that come from the eyes and the heart are from Allah, as with that come sincerity. Shedding tears allows negative emotions to be released rather than transforming into self-consuming anger or bitterness that could eventually destroy one’s tawakkul. However, crying alone is not enough if it is not accompanied with reflective wisdom. Although Allah catches every tear of a true believer, an overdose of sadness can lead to depression, which is also dangerously self-consuming.
{Remember Me, by praying, glorifying, and I will remember you,} (2:152).
Within the realm of sadness, Muslims need to remember that there are ways of remembering Allah – may it be through du’a (invocations), prayers such as istikarah (the prayer for guidance), and even zikr (constant remembrance of Allah). Allah promises: for those who are resolute, He will send down calmness and tranquillity upon them.
Remember that what Allah takes away from a person, there is a plan behind it
Although some prayers are best done during certain times of the day or night, invocations and zikr have no time limits, and one can continue strengthening his or her relationship with God while carrying out the normal errands or chores. It is said that Allah thinks about those who think about Him the most, so by constantly remembering Allah in times of difficulty, a Muslim solidifies the belief that with every adversity comes a reward.
Remember that what Allah takes away from a person, there is a plan behind it – most of the time, Allah rewards a Muslim, especially a patient one, with something better – because Allah knows best.
Get a Grip of the Situation and Plan for the Next Step of Action
Although tawakkul denotes complete trust in Allah, every Muslim needs to plan for the next course of action when a challenge presents itself. Sitting back in anger or frustration is akin to giving up in many situations.
Allah loves those who help themselves, who better themselves and who are constantly striving to achieve their goals or overcome problems for His sake. Getting a grip of the situation allows a person to understand why he or she is facing a certain obstacle. Prophet Muhammad once said, (He who Allah wishes for good, He will firstly inflict him with hardship.) Thus a believing Muslim picks up from calamities and constructively embraces the situation in stride.
One could ask constructively: Why did this happen to me? If I have made any mistakes that may have angered Allah, how shall I repent? What could have I done to avoid this situation? What should I do now that would please Allah? What valuable lessons can I learn from this problem? How shall I make myself a better Muslim for the sake of Allah?
Repentance is an important practice by those who practice tawakkul. Repentance allows a Muslim to recognise his or her wrongdoings, weaknesses and the sheer magnitude of grace that Allah has bestowed upon him or her. Repenting cleans the heart and allows a believer to move on.
{Noah said to them: ‘Ask forgiveness from your Lord. He is Oft-Forgiving. He will send you rain in abundance, and give you increase in wealth and children; and bestow on you gardens; bestow on you rivers,} (71:10-12).
Instead of asking Allah for a certain plan to work, a believing Muslim - full of tawakkul - should ask for Allah to grant him or her an outcome that is best for him or he
Some people find that writing their thoughts down puts the problem into perspective. They allow themselves to address their fears, their concerns and can even find solutions to their problems. Others may benefit from talking to supportive family or friends in order to overcome negative emotions and to plan for the future. In all cases, Muslims need to remember that while they plan, only Allah can determine the outcome, and that outcome is the best for the person at that given moment.
{So when you have made your decision, then put your trust in Allah,} (3:159).
Instead of asking Allah for a certain plan to work, a believing Muslim - full of tawakkul - should ask for Allah to grant him or her an outcome that is best for him or her. And even if it may seem that the reward is meagre, Allah has promised Paradise to those who are patient – and there really is nothing that can contend with the returns in Paradise.
Live for the Moment Because Each Moment Will Pass
{So hold that which I have given you and be of the grateful,} (7:144). Trusting in Allah also involves taking care of one’s self. A Muslim should surround him or herself with positive company, preferably those who have a strong personal relationship with Allah.
A Muslim in search of a higher level of tawakkul should also indulge in activities that he or she enjoys the most, as long as they do not contradict the teachings of Islam. This promotes happiness and positive energy in a person, providing a healthy distraction from the problem. It also encourages one to constantly remember and appreciate the blessings of Allah, and feel thankful at all times – even if it is a glass of water, because Allah was the One who provided the same glass of water - rather than nit-pick at the imminent problems in life.
This goes back to the one of the fundamentals of the dunya (world): it is a place of passing, a journey that has a limited number of moments for each unique person. Why waste time feeling sad and depressed, when one can feel blessed, happy and positive for the sake of Allah? The problem or obstacle will eventually pass, and time and patience will help a person heal – but with the right attitude and ultimately the feeling of tawakkul in tow – even the heaviest burden becomes lightweight and even challenging in a positive light. {Indeed Allah has set a measure for all things,} (66:3).
There are many ways to live for the moment, fully believing that Allah will help a person who helps him or herself.
One could spend time giving charity and appreciate those who are less fortunate. A believing Muslim could speak to an ustadz or an ustadzah and learn how to strengthen his or her iman (faith). One could seek advice from those who have faced similar situations and learn from their mistakes. A good Muslim should smile aplenty to ward off sadness and doubt. And a believer could spend some time alone reflecting on how to become closer to Allah.
Complete Surrender to Allah
{Whoever is in the heavens and on earth begs of Him. Every day He has a matter to bring forth (such as giving honour to some, disgrace to some, life to some, death to some,} (55:29).
Every human being comes to earth by the decree of Allah with a pre-ordained plan that balances the nature of the temporary abode with good and evil, blessings and hardships, rewards and punishments and death and life.
Because this pre-ordainment is so important, tawakkul has been described as the head of human body, with the human body representing the entire religion. Without tawakkul, one does not embody the religion of Islam.
Without tawakkul, a person draws closer to committing shirk, often searching for answers elsewhere, imploring for the help of others, questioning his or her fate in anger, or subsiding into self-destructive behaviour and emotions. With tawakkul comes humility, sadness with reflection, planning with wisdom and happiness for the sake of Allah.
Those with tawakkul are often reminded of the world being a temporary abode, one that is paved path that will ultimately lead to the Hereafter. Thus how they reflect, react and respond to hardships presented by Allah will affect their goal of achieving Allah’s pleasure, and ultimately, Paradise. {“And they think deeply about the creation of the heavens and the earth, (saying): ‘O Lord! You have not created (all) this without purpose, glory to You!’} (3:191).
Without tawakkul, the kalimah of la-ilaha-ill-Allah will cease to carry meaning, and that is part of the shahadah that encompasses the fundamental belief of a Muslim.
Tawakkul is a fundamental part of the Islamic Aqeedah. Tawakkul is translated here as either trust or dependence. Putting our trust in Allah (swt) is a matter of belief and contributes to our view regarding this life. To make this point clear, some of the Ayahs are quoted as below. Allah (swt) says:
“If Allah helps you, none can overcome you: If He forsakes you, who is there after that, that can help you? In Allah then, let the Believers put their trust.” [EMQ 3: 160]
And Allah (swt) says:
“Say: Nothing will happen to us except what Allah has decreed for us: He is our Protector: And on Allah let the believers put their trust.” [EMQ 9:51]
And Allah (swt) says:
“And put they trust on the exalted in Might, the Merciful.” [EMQ 26:217]
Allah (swt) also says:
“…Then when thou hast taken a decision put they trust in Allah. For Allah loves those who put their trust (in Him)” [EMQ 3:159]
All of the above Ayahs order Muslims to wholly and exclusively to rely on Allah (swt) in their lives. It is only Allah who controls the Universe and both good and bad are His decree. The significant element that should always be kept in mind is the omnipotence of Allah (swt). Therefore our actions and the material resources available to us do not guarantee the outcome of any of our undertakings. For example our material and physical strength may deceive us into believing that victory in a battlefield is inevitable. The truth is that our strength or weakness has no bearing on the outcome of the battle, and it is only by the will of Allah that we become victorious or get defeated by the enemy. It was this firm belief that lead a handful of Muslims during and after the time of the Prophet (saw) to fight so valiantly against a formidable enemy over and over again.
One may ask, why then do we strive to accomplish any task if we cannot influence its outcome? The answer is rather simple. The actions that we take fall into three categories: They are either obligated upon us by Allah (swt), recommended by Him or we are simply allowed to do them. The obligatory actions are taken because Allah (swt) has ordered them as compulsory. The recommended actions are taken to be rewarded in addition to the rewards we get upon accomplishing the fard. In both of these cases we seek to please Allah (swt), Actions falling under the third category are taken to achieve certain objectives we anticipate to fulfil. However, the certainty of accomplishing those objectives is not under our control. Therefore the cause of initiating any action is not whether we control its outcome. It is the anticipated goal we aim to achieve.
This brings us to an important misconception amongst the Muslims where some of the associate effort with having trust in Allah (swt). For example, it is a popular notion that earning provides rizq and Tawakkul in Allah (swt) should come after one has made a sincere effort to earn a living. Some of the Muslims who hold such a view often present the following Hadith in their defence:
A man came to the Prophet (saw) and said, “I will not tie my camel and trust in Allah” The Prophet (saw) said, ‘Tie it and trust in Allah.’
This Hadith does not indicate any prerequisite for trusting Allah (swt). It does not, therefore suggest that somehow there is a link between people tying the camel (an action) and putting ones trust in Allah (swt). However, the Hadith conveys an important lesson to all of us: That while trust in Allah (swt) is absolute being independent of what we do it is our responsibility to act on what we intended to accomplish. In this case tying the camel was a right thing to do if the person feared that the camel would run away. Therefore he should have taken the precaution regardless of his trust in Allah (swt). Tying the camel does not take away from his trust in Allah (swt), irrespective of our efforts and the circumstances surrounding us.
This belief should help us to this life according to the commands of Allah (swt) even if we face hardships in doing so. Disappointment, hopelessness should not daunt us because we have put our trust in Allah (swt), our Creator and the only Sustainer. Many Muslims indulge in the prohibited actions arguing that it is the only alternative; otherwise they would face disastrous consequences. Avid example is giving riba when buying a house on a mortgage. They regard owning a house as a necessity and we are willing to sacrifice Islam in doing so.
They fail to realise that it is only Allah (swt) who provides security for them and their off springs and they need only to put their absolute trust in Him.
Unfortunately the materialistic thought that we have acquired from the Kuffar who depend on material gains for their very survival, has drastically influenced our view towards this life as well… we take pride in our wealth and what we do, and have displaced the trust in Allah (swt) by relying solely on material possessions. May Allah (swt) restore only trust in Him for only then can we truly succeed!
Tuesday, 23 July 2013
A DYING FATHER dance with DAUGTHER
Dying-father-has-last-first-dance-with-daughter
On a sunny Saturday in July, Rachel Wolf was preparing for the day she always dreamed of, complete with wedding gown, makeup, and guests.
But there was one thing missing: a groom.
Instead, the day was about her dad. Rachel’s father, Dr. James Wolf, is dying of pancreatic cancer. He likely has less than three months to live.
So to make sure that he would be there on her wedding day, Rachel, 25, came up with an unusual idea: she would create and record her own father/daughter dance. The venue, Auburn Recreation Park in Auburn, Calif., the limo and the D.J. were all donated.
“I just was flabbergasted,” Dr. Wolf told TODAY in an interview that aired Monday.
“There are a lot of things that I would’ve liked the girls to experience with me being there,” Dr. Wolf said while choking back tears. “And I’m not going to be there.”
Just hours before the big moment, he was in the hospital. Later, he was so exhausted that he could barely get dressed without help from his wife, Jeanine.
“I don’t know what to expect,” she said. “I’m hoping that he’s feeling well enough to be able to get that dance in.”
He was.
A limo pulled up around 7 p.m., and Rachel stepped out in a white dress that sparkled in the evening sun.
Dr. Wolf locked eyes with his little girl. “Hi honey!” he yelled. “You look gorgeous!”
“Thanks Daddy!” she cried.
Their embrace swallowed any sadness, conquered all worries. This bond was not yet ready to be broken.
Especially not before one last dance.
The song they chose was “Cinderella” by Steven Curtis Chapman. The crowd, which included Jeanine, Rachel’s sister Lauren, and a group of Dr. Wolf’s patients, looked on as father and daughter glided across the gazebo.
Though a man in the thralls of chemo probably shouldn’t exert himself, the dancing continued after the song ended: he danced with Lauren, and then with his wife. And just when you thought they were finished, the whole family joined in.
It was a celebration – perhaps not like Rachel ever imagined her wedding day was going to go, but an evening she will never forget.
“Each and every day, we have a choice,” Dr. Wolf said. “We have a choice to either love that person that’s in front of us or not. It’s the relationships that you build over the years that is the most important thing in life.”
“Everything else is just an illusion.”
On a sunny Saturday in July, Rachel Wolf was preparing for the day she always dreamed of, complete with wedding gown, makeup, and guests.
But there was one thing missing: a groom.
Instead, the day was about her dad. Rachel’s father, Dr. James Wolf, is dying of pancreatic cancer. He likely has less than three months to live.
So to make sure that he would be there on her wedding day, Rachel, 25, came up with an unusual idea: she would create and record her own father/daughter dance. The venue, Auburn Recreation Park in Auburn, Calif., the limo and the D.J. were all donated.
“I just was flabbergasted,” Dr. Wolf told TODAY in an interview that aired Monday.
“There are a lot of things that I would’ve liked the girls to experience with me being there,” Dr. Wolf said while choking back tears. “And I’m not going to be there.”
Just hours before the big moment, he was in the hospital. Later, he was so exhausted that he could barely get dressed without help from his wife, Jeanine.
“I don’t know what to expect,” she said. “I’m hoping that he’s feeling well enough to be able to get that dance in.”
He was.
A limo pulled up around 7 p.m., and Rachel stepped out in a white dress that sparkled in the evening sun.
Dr. Wolf locked eyes with his little girl. “Hi honey!” he yelled. “You look gorgeous!”
“Thanks Daddy!” she cried.
Their embrace swallowed any sadness, conquered all worries. This bond was not yet ready to be broken.
Especially not before one last dance.
The song they chose was “Cinderella” by Steven Curtis Chapman. The crowd, which included Jeanine, Rachel’s sister Lauren, and a group of Dr. Wolf’s patients, looked on as father and daughter glided across the gazebo.
Though a man in the thralls of chemo probably shouldn’t exert himself, the dancing continued after the song ended: he danced with Lauren, and then with his wife. And just when you thought they were finished, the whole family joined in.
It was a celebration – perhaps not like Rachel ever imagined her wedding day was going to go, but an evening she will never forget.
“Each and every day, we have a choice,” Dr. Wolf said. “We have a choice to either love that person that’s in front of us or not. It’s the relationships that you build over the years that is the most important thing in life.”
“Everything else is just an illusion.”
Beards Keep You Young
Gentlemen, they’re not just for hipsters and the homeless any more. While both dead sexy and totally awesome, beards are also a boon to your overall health. Researchers discovered that men with beards and moustaches actually enjoy numerous benefits including, but not limited to, instant handsomeness.
A study from the University of Southern Queensland, published in the Radiation Protection Dosimetry journal, found that beards block 90 to 95 percent of UV rays, thereby slowing the aging process and reducing the risk of skin cancer. Got asthma? Pollens and dust simply get stuck in that lustrous facial hair. Additionally, all that hair retains moisture and protects against the wind, keeping you looking young and fresh-faced. What’s more, shaving is usually the cause of ingrown hairs and bacterial infections that lead to acne.
Have you tossed your razor in the trash yet?
To conduct the study, researchers left bearded mannequins, along with less attractive, follically-challenged ones, in the blistering sun of the Australian outback and then compared the amount of radiation absorbed by each.
But don’t forget to take care of those blessed follicles; beards can also spread infection if not properly cared for and make consumption of certain foods (e.g. cheeseburgers, corn on the cob, falafel sandwiches—anything with hummus actually, bagel ‘n’ schmear, syrupy pancakes) rather laborious. Fuzzy-faced men would be wise to take advantage of beard wash and beard oil, essential tools for looking and feeling your beardy best
The word "moustache" is French, and is derived from the Italian moustacio (14th century), dialectal mostaccio (16th century), from Medieval Latin moustaccium (8th century), Medieval Greek μοστάκιον (moustakion), attested in the 9th century, which ultimately originates as a diminutive of Hellenistic Greek μύσταξ (mustax, mustak-), meaning "upper lip" or "facial hair",[2] probably derived from Hellenistic Greek μύλλον (mullon), "lip
A study from the University of Southern Queensland, published in the Radiation Protection Dosimetry journal, found that beards block 90 to 95 percent of UV rays, thereby slowing the aging process and reducing the risk of skin cancer. Got asthma? Pollens and dust simply get stuck in that lustrous facial hair. Additionally, all that hair retains moisture and protects against the wind, keeping you looking young and fresh-faced. What’s more, shaving is usually the cause of ingrown hairs and bacterial infections that lead to acne.
Have you tossed your razor in the trash yet?
To conduct the study, researchers left bearded mannequins, along with less attractive, follically-challenged ones, in the blistering sun of the Australian outback and then compared the amount of radiation absorbed by each.
But don’t forget to take care of those blessed follicles; beards can also spread infection if not properly cared for and make consumption of certain foods (e.g. cheeseburgers, corn on the cob, falafel sandwiches—anything with hummus actually, bagel ‘n’ schmear, syrupy pancakes) rather laborious. Fuzzy-faced men would be wise to take advantage of beard wash and beard oil, essential tools for looking and feeling your beardy best
The word "moustache" is French, and is derived from the Italian moustacio (14th century), dialectal mostaccio (16th century), from Medieval Latin moustaccium (8th century), Medieval Greek μοστάκιον (moustakion), attested in the 9th century, which ultimately originates as a diminutive of Hellenistic Greek μύσταξ (mustax, mustak-), meaning "upper lip" or "facial hair",[2] probably derived from Hellenistic Greek μύλλον (mullon), "lip
Friday, 12 July 2013
Health Insurance
International
Health
Insurance
1) a contract
between an insurance provider (e.g. an insurance company or a
government) and an individual or his/her sponsor (e.g. an employer or a
community organization). The contract can be renewable (e.g. annually,
monthly) or lifelong in the case of private insurance, or be mandatory
for all citizens in the case of national plans. The type and amount of
health care costs that will be covered by the health insurance provider
are specified in writing, in a member contract or "Evidence of Coverage"
booklet for private insurance, or in a national health policy for public insurance.2) Insurance coverage is provided by an employer-sponsored self-funded ERISA plan. The company generally advertises that they have one of the big insurance companies. However, in an ERISA case, that insurance company "doesn't engage in the act of insurance", they just administer it. Therefore ERISA plans are not subject to state laws. ERISA plans are governed by federal law under the jurisdiction of the US Department of Labor (USDOL). The specific benefits or coverage details are found in the Summary Plan Description (SPD). An appeal must go through the insurance company, then to the Employer's Plan Fiduciary. If still required, the Fiduciary’s decision can be brought to the USDOL to review for ERISA compliance, and then file a lawsuit in federal court.
The individual insured person's obligations may take several forms:[2]
- Premium: The amount the policy-holder or his sponsor (e.g. an employer) pays to the health plan to purchase health coverage.
- Deductible: The amount that the insured must pay out-of-pocket before the health insurer pays its share. For example, policy-holders might have to pay a $500 deductible per year, before any of their health care is covered by the health insurer. It may take several doctor's visits or prescription refills before the insured person reaches the deductible and the insurance company starts to pay for care. Furthermore, most policies do not apply co-pays for doctor's visits or prescriptions against your deductible.
- Co-payment: The amount that the insured person must pay out of pocket before the health insurer pays for a particular visit or service. For example, an insured person might pay a $45 co-payment for a doctor's visit, or to obtain a prescription. A co-payment must be paid each time a particular service is obtained.
- Coinsurance: Instead of, or in addition to, paying a fixed amount up front (a co-payment), the co-insurance is a percentage of the total cost that insured person may also pay. For example, the member might have to pay 20% of the cost of a surgery over and above a co-payment, while the insurance company pays the other 80%. If there is an upper limit on coinsurance, the policy-holder could end up owing very little, or a great deal, depending on the actual costs of the services they obtain.
- Exclusions: Not all services are covered. The insured are generally expected to pay the full cost of non-covered services out of their own pockets.
- Coverage limits: Some health insurance policies only pay for health care up to a certain dollar amount. The insured person may be expected to pay any charges in excess of the health plan's maximum payment for a specific service. In addition, some insurance company schemes have annual or lifetime coverage maxima. In these cases, the health plan will stop payment when they reach the benefit maximum, and the policy-holder must pay all remaining costs.
- Out-of-pocket maxima: Similar to coverage limits, except that in this case, the insured person's payment obligation ends when they reach the out-of-pocket maximum, and health insurance pays all further covered costs. Out-of-pocket maxima can be limited to a specific benefit category (such as prescription drugs) or can apply to all coverage provided during a specific benefit year.
- Capitation: An amount paid by an insurer to a health care provider, for which the provider agrees to treat all members of the insurer.
- In-Network Provider: (U.S. term) A health care provider on a list of providers preselected by the insurer. The insurer will offer discounted coinsurance or co-payments, or additional benefits, to a plan member to see an in-network provider. Generally, providers in network are providers who have a contract with the insurer to accept rates further discounted from the "usual and customary" charges the insurer pays to out-of-network providers.
- Prior Authorization: A certification or authorization that an insurer provides prior to medical service occurring. Obtaining an authorization means that the insurer is obligated to pay for the service, assuming it matches what was authorized. Many smaller, routine services do not require authorization.[3]
- Explanation of Benefits: A document that may be sent by an insurer to a patient explaining what was covered for a medical service, and how payment amount and patient responsibility amount were determined.[3]
Some, if not most, health care providers in the United States will agree to bill the insurance company if patients are willing to sign an agreement that they will be responsible for the amount that the insurance company doesn't pay. The insurance company pays out of network providers according to "reasonable and customary" charges, which may be less than the provider's usual fee. The provider may also have a separate contract with the insurer to accept what amounts to a discounted rate or capitation to the provider's standard charges. It generally costs the patient less to use an in-network provider.
Health care system (: Health care in australia)
The Commonwealth Fund, in its annual survey, "Mirror, Mirror on the Wall", compares the performance of the health care systems in Australia, New Zealand, the United Kingdom, Germany, Canada and the U.S. Its 2007 study found that, although the U.S. system is the most expensive, it consistently under-performs compared to the other countries.[6] One difference between the U.S. and the other countries in the study is that the U.S. is the only country without universal health insurance coverage.
The Commonwealth Fund completed its thirteenth annual health policy survey in 2010.[7] A study of the survey "found significant differences in access, cost burdens, and problems with health insurance that are associated with insurance design".[7] Of the countries surveyed, the results indicated that people in the United States had more out-of-pocket expenses, more disputes with insurance companies than other countries, and more insurance payments denied; paperwork was also higher although Germany had similarly high levels of
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