By Jennifer A. Gardner

Nearly all single parents have to work to meet their financial needs. It is not possible for them to look after their preschool children while at work. Daycare assistance is expensive so they require some sort of arrangement which is affordable. A number of groups recognize this and offer their help by arranging inexpensive daycare support.

So if you are a single parent looking for daycare support groups, you need to know the means to find one. There are a number of programs depending on your monthly income. Support generated from public funds is for very low income groups. These public assistance grants however do not distribute cash; rather they help single parents by giving them access to programs such as the Head Start. This program works by providing day care services free or at affordable price. They also help parents of preschool children by giving the much needed advice to get appropriate daycare facility for their children. All single parents who are getting public support can also benefit from the Head Start and other public services meant for them. Your social worker may help you in this regard. There are other programs which are based on your requirements, for example there are mother specific assistance programs.

It may happen that your income exceeds the limits for public assistance and Head Start. This is particularly true for mothers who are on court ordered support. They need to explore other areas for their support. There are preschools attached with various churches that may offer their support to single parents. Some of these are run for extended hours and their selection criteria are also not very strict. They also relax their fees for church members. Another hope is given by some private schools which support single parents. They offer financial aid which is linked to your income. You are required to fill in a form and give your financial position and support it with documents such as tax returns. You will benefit from their services if you are eligible. So help is available not only from the public sector but also from private schools and churches and it is up to you to get maximum benefit from these programs.

The dilemma of single parents is that they have to work and arrange something for their children at home also. However they may not be able to cope with situation within their own resources. Although help is available in many forms, however they may not be eligible, for various reasons. Still in that case the situation is not hopeless. Many Day Care centers require help with office work such as keeping records and other clerical jobs. Single parents can get this job and work for extra hours. In return they can get some financial concessions. There are many answers to a problem, all you have to do is to think and get the most suitable solution. It is always difficult for single parents to bring up children singly. Trying to get some support to make your life a little easieris the need of the hour.

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Source: isnare.com

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By Michael Challiner

For a long time now, one of the most attractive “perks” in job advertisements has been “private sickness insurance”. For those who start employment with a firm that offers this, it’s an appreciable benefit. When it extends to the family too, it can offer a great deal of peace of mind. The employer benefits by their employees ability to sort out health problems quickly and efficiently, with negligible time off work.

A recent study showed that when it comes to employee benefits on the health front, long term sick pay was rated the most popular product. In general, financial benefits are very much more popular with staff than more preventative measures such as flu vaccinations, membership to a gym or health club or counselling services. In the current financial climate people are more concerned about how they would manage if they were ill than in taking steps to avoid those illnesses.

There was a marked difference in people’s priorities when it came to health benefits. Younger workers were much more likely to appreciate the benefits of subsidised gym membership, sports related activities and counselling. Those in the mid 30’s age group and beyond rated health screening, private medical insurance and healthcare cash plans as their main priorities, whilst the over 55’s overwhelmingly chose critical illness insurance as the most important cover.

Private medical cover is considerably expensive for businesses that may be facing tightened financial conditions themselves. However, by listening to what their employees are telling them, particularly in the younger age group, it continues to be a good investment which means that their valued staff are less likely to suffer from illnesses which prevent them for working.

There are various health insurance schemes for employers. Traditional private health insurance means that any premiums which are paid to the insurance company are kept by them and invested to pay claims in the future. The money has gone out of the company who took out the insurance, whether or not claims are made.

The alternative is to pay money into a fund, which belongs to the business. This fund would be available to pay for run-of-the-mill less expensive treatments and minor illnesses and injuries, running alongside a comprehensive insurance scheme for the more major health issues. Therefore the premium would be reduced considerably. If it is found that members tend to use the NHS for these less serious conditions or rarely claim for them, then the employers benefit from the savings which are made.

A representative of one of the main companies who run health fund schemes stated that “The cost of providing health insurance is often a long-term commitment for many businesses and they need to look at the lifetime cost of policies, which can be huge. Being tied in to a product with spiralling costs way ahead of real-world inflation is not attractive to many business owners and executives, and providing private health insurance for staff has become prohibitive for many companies.”

However, if the costs of providing good quality cover can be cut, then it will help companies to continue to provide for their employees and show a healthy saving in their company’s finances at the same time. This had to be good for everyone concerned.

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Source:

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