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<p class=MsoNormal><font size=2 color=navy face=Arial =
id="role_document"><span
style='font-size:10.0pt;font-family:Arial;color:navy'>About ½ of all =
bankruptcies
are due to medical expenses&#8212;some of those are even by those who =
carry health
insurance.  The new bankruptcy laws that were pushed through congress =
and
signed into law recently make it much more difficult to protect assets, =
like
your house.  Something to think about if you decide to forgo health =
insurance
figuring that if you have a catastrophic illness that breaks the bank =
you can
at least protect your assets by declaring bankruptcy.  Since we piano
technicians are involved in a trade that exposes us to physical demands, =
toxic
substances and other possible hazards, the decision to carry or not =
carry
health insurance should be as informed as possible.  =
</span></font></p>

<p class=MsoNormal><font size=2 color=navy face=Arial><span =
style='font-size:
10.0pt;font-family:Arial;color:navy'>&nbsp;</span></font></p>

<div>

<p><font size=2 color=navy face="Times New Roman"><span =
style='font-size:10.0pt;
 color:navy'>David Love</span></font><font size=2 color=navy><span
style='font-size:10.0pt;color:navy'><br>
davidlovepianos@comcast.net </span></font></p>

</div>

<p class=MsoNormal style='margin-left:.5in'><font size=2 =
face=Tahoma><span
style='font-size:10.0pt;font-family:Tahoma'>-----Original =
Message-----<br>
<b><span style='font-weight:bold'>From:</span></b> =
pianotech-bounces@ptg.org
[mailto:pianotech-bounces@ptg.org] <b><span =
style='font-weight:bold'>On Behalf
Of </span></b>Erwinspiano@aol.com<br>
<b><span style='font-weight:bold'>Sent:</span></b> Friday, December =
23, 2005
6:26 PM<br>
<b><span style='font-weight:bold'>To:</span></b> pianotech@ptg.org<br>
<b><span style='font-weight:bold'>Subject:</span></b> Re: health =
insurance</span></font></p>

<p class=MsoNormal style='margin-left:.5in'><font size=3 =
face="Times New Roman"><span
style='font-size:12.0pt'>&nbsp;</span></font></p>

<div>

<p class=MsoNormal style='margin-left:.5in'><font size=2 =
color=black
face=Arial><span =
style='font-size:10.0pt;font-family:Arial;color:black'>&nbsp;</span></f=
ont></p>

</div>

<div>

<p class=MsoNormal style='margin-left:.5in'><font size=2 =
color=black
face=Arial><span =
style='font-size:10.0pt;font-family:Arial;color:black'>&nbsp;</span></f=
ont></p>

</div>

<div>

<p class=MsoNormal style='margin-left:.5in'><font size=2 =
color=navy face=Arial><span
style='font-size:10.0pt;font-family:Arial;color:navy'>&nbsp; As =
expensive as it
is, one stay in the hospital can amount to a decade&#8217;s worth of =
<strong><b><u><font
face=Arial><span style='font-family:Arial'>premiums.&nbsp; And =
don&#8217;t
forget, the Bushies have done away with bankruptcy =
protection.</span></font></u></b></strong>&nbsp;
&nbsp;</span></font></p>

</div>

<blockquote style='border:none;border-left:solid blue =
1.5pt;padding:0in 0in 0in 4.0pt;
margin-left:3.75pt;margin-top:5.0pt;margin-bottom:5.0pt'>

<p class=MsoNormal style='margin-left:.5in'><font size=2 =
color=navy face=Arial><span
style='font-size:10.0pt;font-family:Arial;color:navy'>David =
Love</span></font></p>

<p class=MsoNormal style='margin-left:.5in'><font size=2 =
color=navy face=Arial><span
style='font-size:10.0pt;font-family:Arial;color:navy'>&nbsp; =
</span></font><font
color=navy face=Arial><span =
style='font-family:Arial;color:navy'>Well not
entirely...It's just harder to collect. Just like S.S. or an insurance
settlement or a health policy claim. We forget it's our money they dont' =
wish
to refund it in a timely manner or at all when we have a legitimate =
claim.</span></font></p>

</blockquote>

<div>

<p class=MsoNormal style='margin-left:.5in'><font size=2 =
color=navy face=Arial><span
style='font-size:10.0pt;font-family:Arial;color:navy'>&nbsp; =
</span></font><font
color=navy face=Arial><span =
style='font-family:Arial;color:navy'>Dale</span></font></p>

</div>

<p class=MsoNormal style='margin-left:.5in'><font size=3 =
color=black
face="Times New Roman"><span =
style='font-size:12.0pt;color:black'>&nbsp;</span></font></p>

<blockquote style='border:none;border-left:solid blue =
1.5pt;padding:0in 0in 0in 4.0pt;
margin-left:3.75pt;margin-top:5.0pt;margin-bottom:5.0pt'>

<p style='margin-left:.5in'><font size=2 color=navy face="Times =
New Roman"><span
style='font-size:10.0pt;color:navy'>David Love</span></font><font =
size=2
color=navy face=Arial><span =
style='font-size:10.0pt;font-family:Arial;
color:navy'><br>
davidlovepianos@comcast.net </span></font></p>

</blockquote>

<div>

<p class=MsoNormal style='margin-left:.5in'><font size=2 =
color=black
face=Arial><span =
style='font-size:10.0pt;font-family:Arial;color:black'>&nbsp;</span></f=
ont></p>

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