RE/MAX 440
John F. O'Hara

John F. O'Hara
731 W Skippack Pike  Blue Bell  PA 19422
Phone:  610-277-4060
Office:  215-643-3200
Cell:  267-481-1786
Fax:  267-354-6973

My Blog

It's Not a Bug; It's Stress

September 25, 2017 1:08 am

If concerning aches, pains or other physical ailments have you on your way to the doctor for tests, be sure not to rule out stress. While it's easy to recognize the emotional effects of stress, you may be unaware that stress takes a physical toll, as well. The mind/body connection runs deep and stress will start to present itself in a variety of ways. Here are five physical symptoms that may actually be caused by stress, according to Self magazine.

1. Exhaustion – Our brains produce the hormone cortisol to give us short boosts of energy to get us through stressful situations. Feeling stressed for an extended period, however, releases too much cortisol, which can cause us to feel wiped out.

2. Gastro Pains – The excess production of cortisol along with epinephrine during stress can wreak havoc on your gastrointestinal system and cause cramps. Stress also exacerbates the symptoms of irritable bowel syndrome.

3. Chest Pain – When you feel anxious or stressed, neurotransmitters are activated through your sympathetic nervous system, which can create a feeling of tightness in your chest. This leads many to fear they're having a heart attack, but chances are, your heart is just fine. Stress can also intensify heartburn, which can also mimic a heart attack.

4. Hair Loss – Everyone loses about 80 hairs or so a day, but increased cortisol due to stress puts your body in an inflammatory state, which means nutrients that usually go to your hair follicles go to other parts of your body instead. This can cause follicles to slow or stop production. Talk to your dermatologist about special shampoos and supplements.

5. Skin Issues – Skin rashes like psoriasis or eczema are intensified during stress. Similarly, the inflammatory state caused by stress also often leads to skin blemishes, such as acne.

While your doctor can offer medications and supplements to treat the above symptoms, remember that the ultimate cure is getting to the root of the problem and relieving the stress.

Published with permission from RISMedia.


3 Reasons Your Travel Insurance Claim May Be Denied

September 25, 2017 1:08 am

Travel is a fun and exciting hobby; however, when something puts a wrench in your travel plans, it can quickly morph into a stressful and expensive nightmare.

Misunderstanding a travel insurance policy can lead to an automatic denial when it's time to file a claim. Below, Squaremouth explains three common reasons travel insurance claims are denied, and how to give yourself the best chance of getting your claim approved.

You Were Inconvenienced, Not Interrupted

Some travelers think their insurance will pay out because their trip didn't go as smoothly as they planned; however, in order for a traveler to be covered by their travel insurance, their trip must be cancelled, cut short, or delayed by a circumstance listed in their policy. If the reason is listed, they can be refunded for out-of-pocket trip payments, as well as additional expenses incurred.

Travel Insurance Claim Tip: Don't assume you're automatically covered if anything goes wrong. If you have specific concerns, make sure they are covered by your policy. If you are worried about something that your policy does not cover, you may be able to cancel the policy for a full or partial refund.

You Bought the Policy Without Knowing You Were Ineligible

Travel insurance only covers unforeseen events; however, many travelers think they can buy travel insurance after they become sick. If a traveler is already sick when they buy their policy, any claim related to that same illness will not be covered.

Travel Insurance Claim Tip: Some policies have the Pre-Existing Condition option, which can refund a traveler if their trip is impacted by an existing sickness or injury. To get this coverage, you usually must buy a policy within 14-30 days of making your first trip payment; however, even with this coverage, you must be medically able to travel when you buy a policy.

You Forgot to Keep Your Receipts

In order to be refunded, travelers typically need to provide proof of the expenses they incurred. Receipts are required to authenticate a claim, whether it's for a cancellation, delay, or medical emergency.

"We ask for receipts to prove the traveler made the payments they say they made, and to verify what happened," says Squaremouth Claims Director Brandi Morse. "Keeping your original receipts can speed up the process and improve your chances of getting your claim approved."

Travel Insurance Claim Tip: Ask for receipts to document any expenses incurred. If you forget, or if receipts are not available, your bank or credit card statement will usually prove you made the payments you are claiming for.

Source: Squaremouth

Published with permission from RISMedia.