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UK’s Adult Dependent relative visa is applicable for dependents who are coming to be cared for i.e. the applicant is an adult dependent relative

The rules require that the ‘sponsor’ who can be a parent, grandchild, brother, sister, son or daughter required to be living permanently in the UK.

In addition, the applicant is required to show that:
they are 18 or over
they need long-term care to do every day personal and household tasks because of illness, disability or age
the care they need is not available or affordable in the country that the applicant is living in
the sponsor whom the applicant will be joining in the UK will be able to support, accommodate and care for them without claiming public funds for at least 5 years
The clauses that the applicants “require long term care for every day personal and household tasks” and “the care they need is not available or affordable in the country that the applicant is living in” these clauses have in effect set the threshold so high for any applicant that it is almost an impossibility for an applicant to be granted a visa.

Here is the story of Arun IT engineer from India who entered the UK on the erstwhile Tier 1 HSMP who has now naturalized as a British citizen, he earns an annual gross salary of £70,000 – 90,000 in addition to his immediate family i.e. spouse and children, Arun has one sister who is married and lives with her family and in-laws and his elderly mother. Arun sends monies to his mother on a regular basis for her living expenses, his mother suffers from arthritis and migraine – however he is unable to bring her to the UK as the guidelines for the Adult Dependent Visas require that the applicants need to prove that they”require long term care for every day personal and household tasks” and that “the care they need is not available or affordable in the country that the applicant is living in” however this is a purely economic rationale and completely misses out the importance of family ties in the well being of the elders. While Arun is only too happy to purchase private insurance and to support and accommodate his parents, he does not meet the other criteria.

Till such time as the lawmakers decide to widen the scope to include the concept of family ties and the relevance of emotional support in the well being of the senior citizens, it will be impossible for scores of migrants like Arun to enjoy complete family life especially at a stage when they are now able and willing to support their parents without any recourse to public funds.

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Doctor: Exactly…!!

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A Girl Updated Her
A girl updated her
status : 🙁 (

1st boy commented :
Kya hua ra#di? Ro kahe ko ri hai? :/

*She blocked him*

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Areyy kisne c#oda ra#di ko?

*She blocked him too*

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*She blocked him too*

.

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Source : Jokes SMS

About the Author
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Nobody wants to contemplate about their own mortality, yet it is an unavoidable reality for everyone.

Regardless of how stable your family’s financial condition is now, it makes sense not to overlook the need of having enough insurance for the life of your family’s working members.

The death of a loved one is a highly emotional situation, and it is both cruel and stupid to compound that anguish with the worries of massive financial troubles.

Make sure your family is sufficiently secured from a financial catastrophe in the case of the loss of a working member by purchasing enough life insurance.

When it comes to life insurance, it is advisable to purchase it as soon as possible. Don’t wait until you’re stressed out about mortgages and other financial obligations. It is better to begin life insurance coverage before the stress of family life sets in. If you miss the bus, it is never too late to obtain the necessary insurance coverage.

Life is not cheap, but there are options for low-cost life insurance. Choosing the correct insurance, on the other hand, is a difficult task.

There are several businesses out there, each with its own set of policies and possibilities. Most people maintain a portfolio of several types of insurance in order to acquire the best coverage for their requirements.

Obtaining cheap life insurance quotes online is the greatest approach to obtain information that will assist you in making an informed decision about your insurance alternatives.

You may next experiment with the various plans and durations offered to find a balance that provides adequate coverage while keeping rates reasonable. Let’s take a look at some of the more popular insurance on the market.

Term life insurance
This sort of insurance provides coverage for a certain number of years. Many people pick this type of policy in order to receive a substantial insurance coverage during their working years. This makes sense because death has the greatest financial impact on a person’s family at that time.

The insurance coverage expires at the end of the term or when the person dies, whichever occurs first. There are several types of term insurance plans available:

1. Term insurance that renews annually:

The insurance is good for one year from the date of purchase and can be renewed at your discretion until you reach a certain age. Because of the increased chance of mortality, the premium normally rises with age.

2. Term insurance that is renewable:

The policy will be in effect for a set number of years at first. You have the option of renewing it for another term at the conclusion of the term, regardless of your health state at the time. Because this type of coverage has a higher level of risk for the organization, the premiums are often higher than the yearly version.

3. Term insurance with a fixed premium:

The premium under this type of insurance is fixed for the length of the policy.

4. Reduced term insurance:

This type of insurance is intended to pay for a specific responsibility, such as a mortgage or a long-term debt, in the case of the insured person’s death. The policy’s death payouts drop each year as the liability lowers.

5. Increasing term life insurance coverage:

This might be part of the policy conditions or a rider added to a policy. Essentially, it implies that if the individual dies within the policy term, the premiums paid for the insurance will be refunded in addition to the policy value.

Life insurance as a whole:
Whole life insurance products protect the insured to the end of their lives. There is no set deadline. Whole life insurance plans, unlike term insurance policies, feature an investment component or cash value that rises over time. Premiums are fixed and spread out over a number of years. Loan clauses are typically included in such plans.

Life insurance that is universal:
This policy is a kind of whole life insurance that provides some flexibility in terms of insurance coverage and cash value components.

As you can see, there are a variety of life insurance coverage alternatives, and with different businesses offering different types of packages geared at different requirements, the selections might be overwhelming.

It makes perfect sense to obtain cheap life insurance quotes online, as this will provide you with a better understanding of the life insurance possibilities accessible to you.

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