Answers - Insurance

Do you know who to contact when you are laid off of work? When you are hurt at work? When you are too ill to work

According to USFDA, a combination product is one composed of any combination of a drug and device; biological product and device; drug and biological product

- short term - long term? Do you know the difference between State Disability and Federal Disability? If you hav

; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.

Examples of combination products may in

e answered yes or no to any of these questions, read on.

Life today is complicated. Medical Insurance is complic

lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.

ated.

I will ask you this question again? Do you know what kind of medical insurance you have? Do you know what

here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe

is covered under your insurance plan? Do you spend a fortune every month for medical coverage and do not have a c

d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.

Combination pro

lue how it will affect you until it is too late?

Well if you answer this question honestly, you will realize tha

ucts have become life saving products for the pharmaceutical companies who doesn’t have many innovative molecules in their product pipeline and have been inc

t you are not alone. Most people do not know what their medical coverage will cover until you are hit in the face

easingly used in the product life cycle management. Even the companies having product patents are trying to extend their product life cycle through the combi

with the reality of what your insurance coverage does not cover.

(1) When your life changes and you are laid o

nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically

ff of work, hurt at work and became so ill you could not work what are your options?

(2) When you are laid off

and physically. They need to rightly judge the benefits of the combination products and they have to even look at the risks involved when combining the produ

of work you qualify for unemployment insurance.

(3) When you are hurt at work you qualify for Workman’s Compens

ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi

ation.

(4) When you are ill and can not work you qualify for State Disability.

(5) When you can not return to

ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.

Following aspects would a

work and have been off of work for one year or in some cases less you qualify for Federal Disability.

-When you

dd to the challenges in developing combination products:

Which markets to tap where the combination products can do fairly well?
Which combination prod

qualify for permanent disability on a case by case basis you maybe entitled to Medicare Insurance.

The confusio

cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin

n between State Disability and Federal Disability is completely confusing and I am afraid there are many consumer

tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen

s getting lost in the red tape, medical jargon and all the complications the goverment agencies throw at you.

Wh

t?

As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel

en your work status changes and you return to work do not assume all of your benefits have been closed. You work

ping new procedures for reviewing their safety, efficacy and quality.

Professional from academic institutions, pharmaceutical industries, health care indust

a year or longer and your work status may change. The (5) types of government insurance can change with each sepa

y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products

rate problem. Always call the Social Security office before you start or stop any of the above Insurance Plans.

.

As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de

With one phone call you will save yourself money, stress and you will receive the help you need.

Thank you for r

elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.

Companies that provide selfless information through particip

eading my article., Please feel free to read any of my other numerous articles.

Copyright Linda E. Meckler 2007

tion in industry events and feedback to regulatory authorities would be able to face the challenges and will be successful in developing combination products

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Job applicants don't have time. Treat applicants like you would like to be treated and you will be surprised at the results.

The concern of a project manager is to deliver a project on time, on budget and with the quality (functionality) as defined. The Time and Budget aspects are relatively clear and straightforward. The quality aspect however is often open to discussion. Different Project Managers handle this topic each on their own specific way.

The best way to determine the quality of a hosting company is to use their services. Some of these companies will cause many headaches for you, and you want to avoid this at all costs.

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Answers - Do You Know What Kind of Government Insurance You Have

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