by Life Credit Company | Jul 29, 2015 | Quality of Life & Emotional Support
Patients who have cancer need all of the help that they can get. Not only can cancer symptoms have a huge impact on day-to-day life, the financial burden of medical treatments can add more stress to an already difficult situation. Even with health insurance, many patients may still need to pay out-of-pocket for treatments. Not only can financial issues cause anxiety, so can physical changes that result from undergoing chemotherapy. Many cancer patients will lose their hair, and have a drastic drop in self-esteem. Here are a couple of ways to cut your hair in preparation for radiation treatment to look fashionable. Loose Ponytails or Braids After your first chemo treatment, you many lose chunks of hair or experience hair thinning. To avoid less stress on your scalp, gently pull your hair up into a loose ponytail or braid. Use a light conditioner or hairspray to keep the tendrils in place. Pixie Cut Prepare yourself for treatment by playing around with short haircut options. A sleek pixie cut works well with almost any face type and can help you put your best fashion foot forward. Try a symmetrical cut, leaving your hair longer in the front so that you can experiment with different style options. Wigs Have you ever wanted to be a blonde but never wished to dye your hair? Purchase a variety of long and short wigs in different colors to see which style works best for you. With the latest technology, wigs look more authentic now than ever before. They can also be styled, combed, and curled for a more natural feel. Our staff at LifeCredit... read more
by Life Credit Company | Jul 17, 2015 | Cancer Research & News
For women, breast cancer is a silent enemy. This year, an estimated 231,840 cases of invasive breast cancer will be diagnosed in the United States. This is why the Susan G. Komen foundation is dedicated to providing help for cancer patients. Our dedicated team at Life Credit strives to help patients navigate the murky waters of their diagnosis –including financial assistance for breast cancer patients. The Susan G. Komen foundation offers grants that provide financial and emotional assistance for those fighting breast cancer. How They Can Help Here at Life Credit, we want to provide you with the best financial assistance advice available. One of the best organizations that we know of is the Susan G. Koman foundation. If you visit the website, you’ll see that they provide an endless amount of resources to help cancer patients, including how to cope with a recent diagnosis and a plethora of links covering just about everything you need to know about breast cancer treatment options, management, and recovery. With Susan G. Koman, you are never alone. They provide free breast cancer support and counseling around the clock with their innovative Komen Breast Care Helpline. Simply call 877-GO-KOMEN to talk to a trained and caring staff member from 9am to 10pm. Helping for More than 30 Years Since 1982, Komen has provided financial assistance to breast cancer patients. They have also funded research in the United States and in 17 countries worldwide to aid in prevention, early detection and diagnosis. With 117 affiliated nationwide and three international ones, Komen also funds nonprofit organizations that provide breast cancer services to local communities, and... read more
by Life Credit Company | Jun 18, 2015 | Cancer Research & News
Navigating a cancer diagnosis is a very difficult challenge that unfortunately also carries a financial burden. Here at Life Credit, we strive to provide individuals and families with the best possible guidance for managing medical expenses as well as planning for the future and making good on lifelong travel or “experience” dreams. Along with financial assistance, we also offer recommendations on national and regional organizations that give patients access to a variety of other essential services. Organizations That Help Cancer Patients Over the years, we have been asked a lot of questions and have also received a lot of feedback regarding the emotional, physical, financial and legal benefits these organizations can provide. As you’d expect, the largest organizations have the most reach in terms of partnerships and support. However, when it comes to addressing very specific or unusual needs, some have more or less to offer. The American Cancer Society One of the organizations that we hear a lot about is the American Cancer Society. Hop on the website and you will see pages of information and links covering just about everything patients and their families or caregivers need to manage treatment and recovery. This includes its Health Insurance Assistance Service (HIAS), dedicated to help patients choose and get the most of out their health insurance coverage—all free of charge and accessible in both the real and virtual worlds. While ACS won’t actually perform these services for you, they will direct you toward resources that can help. Patients will also find a lot of valuable information pertaining to prevention, therapy (and risk factors), quality of life and survivorship research.... read more
by Life Credit Company | Jun 7, 2015 | Cancer Research & News
In honor of National Cancer Survivors Day (NCSD) the Life Credit team is taking a time-out to say “thank you” to all the organizations, scientists and healthcare professionals that have contributed to the rising survival rate of approximately 68%—a 12% rise since NCSD began in 1987. Though our work here at Life Credit is not “life-saving” in the medical or physical sense, we do believe that by providing cancer patients with unrestricted financial assistance, we are improving their quality of life by helping them to focus on what is most important: their health. We understand how devastating a cancer diagnosis can be, and while we spend a lot of time helping patients plan for the worst, we also encourage them to plan for the best, which of course is survival. But we don’t sugar coat things: the economic burdens associated with cancer don’t suddenly disappear when a patient goes into remission. Paying off medical expenses can take a long time, and in many cases, financial stability has been negatively impacted by lost wages and reduced productivity. And worse, many patients are denied health and life insurance coverage. Imagine what that must feel like. There are limitations, but we take pride in our ability to ease this burden and help make it possible for survivors to get back to living life to the fullest degree possible. And that, is one of the greatest joys all of us here at Life Credit share. When we read current survival rates, and hear the stories from our clients, friends and family members and even strangers, we feel sincere joy. Which is why, in... read more
by Life Credit Company | Jun 3, 2015 | Cancer Treatments & Therapies
Newly diagnosed cancer patients and their families have a lot of questions, making it critical to quickly identify reliable resources for emotional, physical and financial support. The first place patients tend to head is to their computers, which can have both positive and negative impact, depending upon the type of information they discover. Though surfing the web can be perilous, there is a lot to be said for a little anonymous comfort-seeking and the ability to immediately connect to patients in all stages of the disease. Most of the prominent cancer organizations have online communities and can quickly put patients on a path of positivity and productivity by addressing the most pressing concerns such as finding the right doctor, making sense of the statistics, what to expect from surgery and chemotherapy, where to find a local support group, and how to stay healthy while undergoing treatment. Still others focus on the practical aspects of handing a cancer diagnosis: how to pay for treatment, how to navigate health insurance red tape, where to go for free services to help minimize costs, understanding legal matters, and short- and longterm financial planning. All of this information is essential for patients and their families, which is why the team at Life Credit devotes several hours each week to researching and familiarizing themselves with both the benefits and deficits of relying on cancer support organizations during this scary and uncertain time. In an effort to help our clients find the resources that best match their needs, the Life Credit blog is kicking off a series of posts evaluating several national cancer organizations. Additionally, in... read more
by Life Credit Company | May 2, 2015 | Financial Assistance for Cancer Patients
FEGLI stands for Federal Employees’ Group Life Insurance and is one of numerous government programs set in place for federal workers. As an eligible federal employee, a person is automatically enrolled for this basic insurance program. Everyone should have life insurance in case of a fatal incident, and federal personnel are entitled to have several options in choosing the amount of life insurance that is right for them. FEGLI offers three types of optional insurance, including a standard amount of $10,000; an annual option that is offered in an amount from one to five times the annual rate of a basic pay after rounding salary numbers up to the next even $1,000; and a family selection, which gives one to five multiples of coverage for a spouse and eligible dependent kids. There are numerous benefits to have a FEGLI policy, including group rates and convenient payroll deductions. In the event of a financial emergency, it is also possible to take out a FEGLI loan. The loan doesn’t require any payments to be made and the repayment is handled from the proceeds of a death benefit. Thus, FEGLI policies not only help loved ones of the deceased, but it can also help you in times of financial crisis. To learn more about borrowing from FEGLI, give us a call at 1-888-274-1777. Life Credit CompanyWe are a licensed consumer lender that is dedicated to providing financial assistance for patients who are facing serious illness. With a Living Benefit Loan, from Life Credit Company, you can receive up to 50% of your life insurance policy’s death benefit today. Whether you need to... read more
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