Health and Wellness Show 06-28-25

Episode Transcript

Speaker 1 (00:32):
Good morning, now time for the Health and Wellness Show.
Thanks for joining us on this Saturday morning here on
one of the three point five FM and five sixty AMWVOC.
It is the twenty eighth day of the month of June.
This month is godly just about out of here, isn't it.
I'm Gary David. If you're just tuning in, we appreciate
you dropping by spending some time with us. We've got
some important information to pass along. Today. We'll be talking

(00:54):
to Larry Harris, the owner Classic Systems, and we're going
to talk again today about air quality. What's in the
area you breathe, how many particles are you taking into
your your your lungs each and every day, and well
what can you do to make sure that it's as
safe for you as possible. So we'll have that discussion
with Larry. Now, interesting topic here at Jim's now today

(01:17):
that is this you're involved in an accident, you're not
at fault, but the ad fault driver dies in the accident.
Does that change the way the claim moves forward? We'll
discuss that first up out Jeff Howell now joining us
from Health Markets.

Speaker 2 (01:31):
Good morning, Jeff, Good morning Gary.

Speaker 1 (01:34):
We want to talk about and being somebody who just
by I got my red and blue car in the
mail the other day, Jeff. For Medicare is mine goes
an effect come June. But for me, I'm still working
in on my employee plan, so I'm just taking the
Part A for now. But you know, when you get

(01:54):
to the rest of the parts, when you don't have
that group coverage through your employer and you've hit the
age of sixty five, then you know the Part A
you get. Then oh my goodness, if you go to
the regular route, you got what parts c's and d's
and g's and all sorts of parts, and then you
have well the other option, which is to go with
Medicare advantage plans. And you know, even for some folks

(02:16):
who are on Medicare right now, I guess there's still
a bit of confusion about what the differences are and
maybe what's right or nothing, what's not right for them.

Speaker 2 (02:24):
That's true. I mean, if someone's been on Medicare for ten, fifteen,
twenty years, every year they know that an open rollment
is coming up around the corner between October fifteenth and
December seventh, when they can make changes. You know, we're
thinking they're thinking, well, I can't make a change. Now
there's a plan I'm currently on right for me, and
looking to the future, you know, what does the future hold.

(02:46):
For example, if they're on a Medicare supplement plan, they
know that every year they get older that Medicare supplement
is going to go up in price. We've been blessed,
you know really since the inception of the prescription Drug
Card GRAM in two thousand and six, is that the
premiums of the drug cards have been fairly low, depend
upon which drug card you select. But in twenty twenty five,

(03:09):
with some of the COVID laws going into effect, and
the good news for seniors is that they won't pay
any more in two thousand dollars in co pays at
the pharmacies are example, when they go to you know,
my pharmacy, an optical or Riley's Drugs or CBS wherever
they go, when they're paying their copays of the counter,
they'll pay no more than two thousand dollars. Which that's
a law that's going to help with the counter that's great.

Speaker 1 (03:32):
Annual cap, right.

Speaker 2 (03:34):
Yeah, an annual cap, yes, sir, absolutely, And that's the
first time that we've had something like that. But what
we worry about as insurance agents is that what is
that going to do to drug card premiums? Because if
the insurance companies are taking on a lot of that
overage over the two thousand dollars in costs, then that
will probably be passed down the consumer as far as

(03:58):
monthly premium.

Speaker 1 (03:59):
So this is not a case where the government bio
taxpayers is picking up the rest of the tab. This
is a cost that the pharmaceutical company is going to
have to eat, right.

Speaker 2 (04:10):
More specifically, the insurance companies companies. Okay, so interesting enough,
the pharmaceutical companies, we're not giving a very large percentage
of the liability over that two thousand dollars and costs.
The insurance companies were given the bulk of that percentage.
So of course it's the insurance companies that bill you
every month for the monthly premium to have the drug card.

(04:33):
And then of course some only say why do I
need a drug card? Well, part of that initial law
in two thousand and six for the prescription drugs is
that if you do not have a prescription drug card
or credible coverage through your employer like you would have,
but if you do not have a prescription drug card,
you will be penalized. So everyone had a prescription drug
card now, and it's really not that big a deal.

(04:56):
I mean, we have prescription drug cards out there. They
are fifty cents a month, So having a drug card
is really you know, it is not that burdensome premium
wise right now for most people. There are some people
who take more expensive drugs who need a higher price
a prescription drug card, and their drug card might be
over one hundred dollars a month. Now, say, however, in

(05:17):
twenty twenty five, that one hundred dollars a month plus
premium could be the norm, not the exception. So you're saying, okay,
So now if you're say seventy years old, and you've
been on a Medicare supplement since you were sixty five,
and you've been on a drug card, and maybe you're
paying one hundred and ninety dollars for your supplement, now

(05:37):
you're paying fifty cents for your drug card. Now if
your drug card goes up to throughout an easy number
for math, one hundred dollars a month, now you've got
from one to ninety and fifty cents to two hundred
and ninety dollars a month. That may make a lot
of people look a little more close to Medicare advantage
come this open enrollment season in October. So it's good

(06:01):
to start preparing and start realizing, you know, what is
Medicare advantage and is that an option for someone who's
currently on a Medicare supplement and drug.

Speaker 1 (06:10):
Cart right right, And again you're talking about seventy twenty
five years old. You're more than likely on a fixed income.
And you know he come to a hundred bucks a
month that you weren't expecting.

Speaker 2 (06:22):
That's correct, that's correct, and so and that's pushed a
lot of people to Medicare advantage. And you know, there's
a lot of fear about Medicare advantage because when it
first came out in two thousand and six, most of
the Medicare advantage plans were HMOs. And no one likes
a HMO because an HMO means you have to go
to this particular doctor, and if you have to go

(06:43):
to a specialist, you need to referral from that doctor
to go to this particular specialist, to go to this
particular hospital. It's very restrictive. However, Medicare advantage plans that
I sell are all PPOs, meaning you can go anywhere
that takes Medicare. It does have a network, and so
you definitely get lower costs when you go in network.
For example, if you've got a Blue Cross Medicare Advantage PPO,

(07:07):
every hospital in the state the networks. You can go
to Lexington, you can go to Prismo, you can go
to m USC in Charleston. You know, you can go
where you want to, and you can even go out
of state. So if they're in network, you'll get the
same low costs in Colorado that you get at Lexa
Medical Center. If they're out of network, you still go
to that doctor in Colorado who you just might pay

(07:28):
a higher copay. So you know, a lot of the
fears about HMOs and Medicare advantage, you know, I can
lay or put those fears to rest when I meet
with people and talk to them about Medicare advantage and
see if it's the right thing for them.

Speaker 1 (07:46):
And I guess I think you've told us before, Jeff,
that in the last couple of years, the number of
people on these advantage plans is now more than those
who are on supplements or right at the about the
same the same number, is that right as a percentage?

Speaker 2 (08:02):
That's correct, that's correct. You know, in twenty twenty two
to the last year, we have data from more seniors
purchased Medicare Advantage plans than Medicare supplement plans. So Medicare
sepplins had always been on top, you know, until twenty two,
and I'm and I can say with competence that twenty
three will be even more so when that data comes

(08:24):
out that Medicare advantage more Medicare Advantage plans were sold
to Medicare supplements. And there are a lot of reasons
for that. Is that Medicare Advantage plans have zero premium, right,
And the second reason is they provide extra benefits like
three thousand dollars in dental benefits, some vision benefits, three
pair of glasses, hearing, a discount, some gym memberships, flex

(08:47):
cards that's the card you take to a grocery store
CVS and get food and over the counter like vitamins
or toothpaste, things like that. So they provide a lot
of value. Now, of course, with anything in life, there
is a give and a take, right, Well, okay, zero
premium you get all this extra stuff.

Speaker 1 (09:08):
Well part of the synicon me. But you know when
I first and I guess maybe one of the big
reasons for the boom in these is that, I mean,
let's face it, insurance companies have been advertising the heck
out of these for a while now. Uh you know,
I mean you can't spit without hitting one of those ads.
But yeah, I mean the senic in me says, hmm,

(09:30):
I don't pay you anything, and I get all this stuff.
What's the catch?

Speaker 2 (09:34):
Yes, And so the catches is that there's higher risk. So,
for example, if you're on a standard or let's say
the most popular Medicare supplement plan. Now the plan G
where your only risk health wise is the part be
deductible just two hundred and forty dollars. So if someone
turned sixty five in June and I write them a
Plan G for June first, the first time they go

(09:57):
to a doctor or urgent care or emergency room, or
the first time they receive medical treatment after June one,
they'll be billed that two hundred and forty dollars. Then
they're done for the year. They're one hundred percent covered.
That person has be in a coma all summer, wake
up on Labor Day, and they owe nothing right because
they already pay that two hundred four dollars deductible, so
their risk is very low. Whereas on the Medicare advantage plans,

(10:19):
you know, the max amount of pockets could be anywhere
from five thousand to eleven thousand dollars, depend upon what
plan you choose. Now, I will say that that's not
a deductible. You just pay small copays along the way,
and if those cops ever added up to that five thousand,
then you would be died at the five thousand if

(10:39):
that's your max out of pocket on that particular plan.
So sometimes people get confused, They're like, I don't want
to pay the first five thousand. You wouldn't. So like
on most of the Medicare advange plans, you go to
your primary doctor, who pay a zero or ten dollars cope.
You got a specialist, you'll pay a fifteen or thirty
five dollars cope, So you have small cope. MRI is
one hundred and fifty night in the hospital, three hundred

(11:02):
pet of dollars a night the first five nights. Things
like that. They're very delineated on the copays that you pay,
but if you had a very bad year, but certainly
that risk is out there. But the Medicare advantage studies
showed that less than one percent of people on Medicare
advantage plans hit their MAXI amount of pocket. So you
have to have a really bad year to hit your
max out of pocket on this plant.

Speaker 1 (11:23):
Well, the ironic thing about this, Jeff, seems to me
that all right, So folks who could most afford to
take the risk under an advantage plan of having to
come out of pocket you know, five ten thousand dollars
or what have you in a calndar year, are the
same folks who probably are in a financial situation to
best afford to stay on a supplement planned and pay
the money each month and not take the risk.

Speaker 2 (11:47):
That's true, And for a lot of those people, that's
the decision, you know, I would you rather just put
money away into a savings account and have that ten
thousand dollars, say, in a savings account every here. So
if you had a bad year, or if you have
twenty thousand in an account, if you have a bad year,
then that money's in your account and it's growing interest.

(12:07):
That's your money right, Or do you want to mail
off a check to an insurance company for a supplement
and a drug card. And once you mail those checks
the insurance company, every month they're not coming That money's
not coming back, whether you go to a doctor that
month or not, whether you have a prescription field that
month or not. That next month the premiums are due again.
So it's just two completely different ways of doing your

(12:29):
Medicare insurance coverage. No wrong or no right, by the way,
and I do not push one or the other. I
just explain the differences and lay out the packs and
talk to a person about their doctors, their medical treatment,
their prescriptions, and they give them an educated you know,
educate them and they make an educated decision on which ones,

(12:49):
which path is right for them.

Speaker 1 (12:51):
Now you mentioned again with the changes in the the
prescription card planning under the supplements, that you could see
your price really go up here over the course of
the next year or so. Now does that not applicable
if you're on an advantage plans.

Speaker 2 (13:06):
That doesn't hit you there, It should not hit as
much because Medicare advantage plans have so much else going
on as far as money that received from the government
for people who are on those Medicare advantage plans. For
the healthcare and for the prescription drugs. You could see
in the Medicare advantage plans maybe the benefits not growing

(13:29):
as much, just as a dental or the vision and
the hearing, you know, some of those benefits being pulled
back or maybe capped. You know, a lot of time,
you know, over the years, we've seen dental go from
five hundred benefits two one thousand to two thousand to
three thousand. So maybe next year they don't go to
four thousand, right, maybe they're capped or they're lowered, you know,
so maybe we see effects in the Medicare advantage plan

(13:51):
that way. Internally, I do not think we're going to
see much effect on the premium, So I think that's
going to stay, you know, zero to thirty, you know,
somewhere under thirty dollars, certainly on the Medicare advantage side.

Speaker 1 (14:06):
So do you do you foresee in your crystal ball,
mister Howell, or do you think that that maybe the
government's long term plan is to try to push everybody
off the supplements to the advantage plans. Is that is
that an advantage to the government.

Speaker 2 (14:22):
Well, when the law was passed in two thousand and four,
it was a George Bush was in office w right,
with a Republican Congress, and it was a vote. It
was a law believe it or not, that Democrats agreed
to back in those days when Congress was when when
they would talk to each other and they would make

(14:44):
compromises and the law would be passed. That's the way
Congress was in two thousand and four. So this is
a law that the government sees as an advantage for
the government's keeping Medicare viable. Right, because every time a
person comes up from it care advantage plan, the private
company they sign up with Blue Cross at Na Humana,

(15:05):
whoever it is, that person becomes that private company's responsibility
and they are now off the Medicare book.

Speaker 1 (15:11):
If you'd like to sit down with Jeff and discuss
the options, you can do that. How to folks get
a hold of you, my friend.

Speaker 2 (15:17):
Yes, my office is right beside the flight Deck restaurant
and Lexington at the flight Deck shops Health Markets Insurance
and you can give me a call or chext my
number at eight zero three six seven eight eight one
two one. My website is my name Jeffhowell dot com,
Jeff Hwle dot com.

Speaker 1 (15:36):
All right, thank you, Jeff, appreciate you, buddy.

Speaker 2 (15:38):
Thank you. Gary.

Speaker 1 (15:39):
Hi, this is John Farling.

Speaker 3 (15:41):
Now let me ask you.

Speaker 4 (15:43):
Is your retirement inflation proof?

Speaker 1 (15:45):
Here's what I mean.

Speaker 4 (15:46):
In retirement chances are you run a fixed income with
variable expenses. So how do you not run out of
money when the cost of just about everything continues to
go up?

Speaker 1 (15:56):
You inflation proof it.

Speaker 4 (15:58):
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(16:18):
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Speaker 5 (16:31):
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Speaker 6 (16:38):
The hunt for quality insurance is more important than ever,
and with Jeff Howell and the team at Health Markets
and Lexington, finding that perfect plan is easier than ever,
whether health or medicare insurance, let the experts guide you
toward ease of mind at a healthier future. And who
couldn't use that nowadays?

Speaker 1 (16:54):
Jeff Howell in Health.

Speaker 6 (16:55):
Markets do all the grunt work for you. They make
the calls, compare the plans and rices, and find you
the insurance plan that fits your needs. Best of all,
their help is at no cost to you. They work
with nationally recognized insurance companies to give you the affordable
insurance you're looking for.

Speaker 1 (17:12):
So whether you're self employed or in a small.

Speaker 6 (17:15):
Business, an individual or seeking a family plan, they have
you covered literally from head to toe. Called Jeff Howell
in Health Markets at eight O three six seven eight
eight one two one, or visit Jeffhowel dot com. That's
eight oh three six seven eight eight one two one
or Jeff howl E dot com and let them find

(17:36):
the right insurance for you.

Speaker 1 (17:55):
Hey, We're back on the Health and Wellness Show on
one O three point five FMN five sixty am WS
see as we welcome in our resident attorney, GYM Stell
from the law office of Jamestell.

Speaker 5 (18:06):
Good morning to you, sir, Good morning, hot enough for
you both. It's the best time of year.

Speaker 1 (18:13):
You do real you your tongue is your tongue still
firmly lost? Your cheek over there?

Speaker 5 (18:17):
I think it's I think it's of course, you know,
you know, I guess I don't have to. I've got
the fortune of not having to, you know, do a
bunch of heavy manual labor outdoor that. But uh no,
But from my perspective is fantastic. Gods, folks got swimming,
you've got boating, You've got you know, all the outdoor stuff.
Well it is fireflies, old fish. It's all as I
talk about, the lightning bugs the lightning books, right, and.

Speaker 1 (18:42):
But yeah they're blowfish out there too somewhere.

Speaker 5 (18:43):
Uh you know, you got, I mean, you got all
that stuff.

Speaker 1 (18:45):
You know. It's a guy that gets so.

Speaker 5 (18:47):
Much better in January one of that February. I'm with
you on that, yeah, you know. Yeah, no, it's good.
It stays late, you know. I take December. You know,
I don't know. I drive home and it's dark. Yeah,
I don't know. It's not for me.

Speaker 1 (19:05):
Well, here's the crazy thing about this time of the
year from me, cause you know, I get up at
three fifteen in the morning, so usually by about nine
nine fifteen a night, you know, I'm kind of starting
to doze off. And you know, man, these last couple
of nights it's been like still you know, daylight out there,
and I'm thinking, I can't go to sleep on this daylight. Man,
you only sleep for about six hours a day tops, I.

Speaker 5 (19:28):
Know, you know, you know, I'll tell you have a
lot in common with then as President Trump, right, what
does he sleep like four or five hours?

Speaker 1 (19:35):
Probably to something. Yeah. Now I'm not as bad as
Albert Einstein. Okay, you know I don't just like take
a fifteen minute power nap and then stay awake for
the rest of the day. You know, although you know
they say that works, I don't.

Speaker 5 (19:46):
Kind of a superpower getting to the people that can
operate on real limited sleep.

Speaker 1 (19:51):
Well, then I got the other thing working for me.
Now I'm getting old.

Speaker 5 (19:56):
I remember it was a South Park episode where the
kids they we're trying to go to like a breakfast
restaurant in the morning, and there's just no way they
could beat the old people.

Speaker 1 (20:05):
It was impossible. You cannot do it. It's impossible. All right?
What have we got today? My friend? Okay?

Speaker 5 (20:11):
All right, so so I'll tell you I had no idea. God,
I've been doing this thing for so long, and I
try to keep it interesting. I try to and you know, so,
so i'll tell you if you if you know, I'm
gonna do the the we're in the modern age. I'm
gonna do the modern thing. If you're looking for an
idea for an article, just a topic, just whatever, right,

(20:33):
I just I just asked my my very good friend
chat GPT. Oh yeah, what what what do we cover
this morning? And what a chat GPT set? What if
the at fault driver dies in the crash? So you
get in a car wreck, right, ain't your fault? What

(20:54):
difference does it make or how does it maybe affect things?
If that if the person who caused the collision, what
if they died in it?

Speaker 1 (21:02):
Okay, And we're talking about from the perspective of the
the the not at fault driver, right like, yeah, yeah
you were you were that or may have died, and
about their family members, Yeah.

Speaker 5 (21:11):
You were the you were the driver occupanted vehicle. You're
involving a crash, not your fault, but it was caused
by another car and it's a you know, a bad
enough crash that that other individual died. How how does
that change things up? And that is the chat GPT

(21:32):
suggests the topic. And I will tell you it's but
it happens, you know, it really does. It absolutely does.
And so that that's unfortunate. That's kind of the thing
we've wrestled with before.

Speaker 1 (21:50):
Let me take this. Let me take a stab at
this without bringing up chat GPT. All right, number one,
I'm gonna say, Okay, so even though the at fault
driver or perishes in the accident, at the time of
the incident, hopefully they were insured, right, so you know,
you got the insurance company. If that doesn't cover the

(22:12):
damages to the you know, not at fault driver, then
you know, depending on the value of the estate of
the perished driver, I guess you could go after that.
So that's just my guess.

Speaker 5 (22:26):
Yeah, yeah, so it's and and and and I think
you're right, you've got the you know, if they had
auto insurance at the time. And of course you think
our last topic, how how was how many people are
learning now no insurance? You heard more of that this week.
But so so so you know that if they've got

(22:48):
auto insurance, you know, that's that coverage was an effect
at the time, So you have that. You then also
would have your own underinsured Okay, yeah, right, okay, which,
as we read before, that can be awfully important and
significant you know, crashes or significant injuries because again most

(23:14):
people that do have insurance have you know, minimum limits
are close to it five and you know, and what
that means is, no matter how badly someone's injured or
how much you know, how much timeiness from work, or
how much pain and suffering, you know, your recovery frequently
is going to be capped at whatever those limits are.

(23:37):
And if you want to protect yourself and your family
from that contingency, the best way to do it is
through buying underinsured coverage from your car insurance company. And
and you can buy you know, really up to the
limits of your own liability policy. And then if you

(24:00):
have multiple cars on the policy, you get to do
something at that point called stacking, where you can add
up all the policies for all the vehicles for one
lump sum. And you know, when you see you know
this attorney advertising and they talk about, you know, a
million dollars for this or just some big numbers, right,

(24:24):
unless it's you know, some kind of commercial vehicle, like
somebody got hit by a you know, some truck for
a big company or something. Usually those big numbers come
from a combination of the liability and the underinsured. So
underinsured is can be real, real critical. Again I say

(24:45):
it before, I'm not the salesman for the insurance industry.

Speaker 1 (24:48):
Right, No, but I am curious if you've come across this.
Let's say I get two cars in my policy, Yes
I'm involved A lot of all might need to you know,
tap into my underinsured or uninsured to cover things. And
so as you said, okay, stack, I can tell you

(25:08):
my call my wife's car, right, add the total, so
double the uh double the amount of whatever my limits
were on that right right? Are the insurance companies, you know,
like chomping at the bit to let you know that
or they automatically? Would they automatically do that? I'm not
at fault now, so or does it take a you know,

(25:28):
attorney like yourself to get involved or me asking questions? Okay?

Speaker 5 (25:31):
All right, so so some some uh some insurance companies,
you know, sometimes we see situations where the companies are
very cooperative forthright, you know about the coverage because.

Speaker 1 (25:45):
I'm gonna bet most people most insurance don't don't don't
realize you can stack policies like that.

Speaker 5 (25:49):
They don't and and some you know, sometimes that information,
you know, sometimes it's you know, people hear about it
for the first time from you know me, But other people,
you know, they're they're agents. You know, they've got good
local agents. Yeah, and the agents or you know, share
that information or.

Speaker 1 (26:12):
Yeah.

Speaker 5 (26:12):
So again, sometimes insurance companies, you know, they're not in
the business of of you know, freely I guess I'll
call it, or effortlessly giving out as much money as possible.
But in a lot of situations people do learn about
that through their insurance company, but not every time. And

(26:33):
then of course, there are occasionally situations where people should
have the coverage, but for some reason the insurance company
says they didn't or they were never offered it in
the first place. Uh, and they're concerders. Be a little
bit of wrangling with insurance companies to kind of you know,
reinstate coverage or you know, or put coverage in place
that should have been there. Another topic another day, probably

(26:54):
but all right, so so, but we'll go about this
this situation where so are we got We've got this
awful collision at fault drivers? Is uh has has passed away?

Speaker 4 (27:07):
You know?

Speaker 5 (27:07):
When cases are going to settle, right, you know, through
this combination of liability, under insured or what have you.
Oftentimes it's it's basically the same as any other situation. Okay,

(27:28):
Now it gets a little different. There could be some
additional steps. If it's not going to settle, I'm gonna
call it kind of upfront, and it it has to
go into litigation or a loss it okay, And in
that situation, you know, you look and you see has

(27:49):
there been in a state opened right right? You know,
is this is there is their probate? And I'll tell
you because you know, you you always have to consider
the potential that that ad fault driver has personal assets
in addition to the insurance coverage. Again, most people don't,

(28:10):
but in real serious situations it's important to check right right,
you have to also be mindful. In addition to the
normal statute of limitations, you have to basically stay on
top of it enough because if probate is opened and

(28:33):
the state's administered and then closed. If you don't get
a claim filed, oh timely, right, you know, you still
may be within the statute of limitations for your case.

Speaker 1 (28:43):
But if you've not.

Speaker 5 (28:44):
Filed to claim with the court probate court, and the
probate court just you know, gives away all the assets
of the state. You know, let's everybody inherit what they're inheriting, right,
you know, that can prevent you from getting access to
any any assets or any country us from the assets
that otherwise may be available.

Speaker 1 (29:04):
Now, I know you're not a state lawyer, you don't
practice the state law.

Speaker 5 (29:06):
Well I've done it, but yeah, right, you know there's
done not currently, no, no, but I've probably done you know,
I definitely definitely done a handful of states over the years.

Speaker 1 (29:16):
So now I'm curious if the deceased driver, if their
assets were a trust, does that change the picture? It
very well could. For another if for all the reasons
that you better that file claim quickly because they're going
to a trust is going to pay out a lot
quicker than approbate.

Speaker 5 (29:32):
It very well could. And also depending on how a
trust is set up, I mean, it can insulate the
assets and the trust from certain types of you know,
obligations or liabilities created by that beneficiary. Because again, trusts
are very complex, complex, but just think about it. In

(29:54):
one sense, it can almost be like the trust becomes
the owner of the assets and the person who who
put them into the trust. And if the person who
put the items in the trust really no longer has
legal legal rights to free use or disposition, it can
create situations where the trust can actually act as a

(30:16):
kind of a shield, so to speak, against.

Speaker 1 (30:18):
You know, legal claims.

Speaker 5 (30:19):
Interesting, that's why it's one of the reasons for trusts, right,
And it's kind of like, you know, while we have
corporations and LLCs in another sense to you know, you know,
protect people from the purse, from the liabilities created by
their business.

Speaker 1 (30:35):
You know.

Speaker 5 (30:37):
But I was just on this point. It was gonna say,
sometimes the estate has not been opened, right, there's no state,
maybe the person didn't have any assets, there's nothing really that,
no reason the family would would go to private court
and probate anything. But you need to follow alawsuit. Right,
you ain't been able to settle with the insurance company.
Oh okay, So here here you are the you know,

(30:59):
representing the person who was injured. At fault drivers passed
away and uh and of course doesn't have to be
from the crash. It could be from you know, something unrelated,
but they're now passed away. How it works if you
if you follow lawsuit and you know kind of car
wreck or other types of personal injury litigation, you you

(31:21):
file the case. You know where it's your client, you know,
the injured person for example, versus versus the at fault
say driver. So you're not suing you know, it's not
John Smith versus State Farm far whatever insurance company you
plug in, just it's John Smith versus Sam Jones. And

(31:43):
these are just names I make up. These are you know,
just demonstration purpose what it could be any name you want,
you know, Clyde Barnwell, I don't know. But you're you're
you're bringing the action against the at fault driver individually.
And you've got to serve them, right and normally that's
accomplished by you know, taking up getting a process server

(32:06):
to go out and deliver the paperwork to them. But correct,
so what you what you and and and so in
that's it. And and you've got to get them served
in order for the their insurance company to become kind
of responsible for defending the case and responsible for paying
any judgment or anything that may arise out of it.

(32:27):
So you've got to in those situations, you actually can
be responsible for petitioning the court to open the estate
or at least have the pro big court designate somebody
usually called a special administrator to actually take receipt of
that service. And again it may not be a family

(32:50):
member or somebody who knew the person who passed. I
mean you may you may ask get another lawyer or
something to volunteer. Yeah, and then and then their job
is to then you know, with approval of the probate court,
take the service and then turn it over to the
insurance company so that they then have to obligation to
deal with the case.

Speaker 1 (33:07):
Okay, So the same scenario here, Uh, in the insurance
company they pay out the limits of what that policy had. Yes, Okay,
Now let's say you didn't have uninsured or underinsured coverage.
You still have you know, expenses bills. So now you're
going to go after the estate. Okay, Right, But the

(33:32):
example you used, maybe that driver didn't really have in
a state, they had nothing, and if they had no
assets and they were our j may who only had
a pickup truck right right now, who's responsible? Who's going
to pay out? Who do you assue? Right? So?

Speaker 5 (33:51):
And uh, and you could be left holding the bag.
You know, if they don't have enough insurance, you don't
have enough insurance and they don't have any assets, that
you're left holding the bag.

Speaker 1 (34:00):
So it doesn't doesn't fall to family members or whomever, right, correct, Yeah, stop,
it stops with that deceased individual. Correct. I mean if
the state and insurance company, yeah, if the estate.

Speaker 5 (34:10):
Had assets, but if yeah, if they died penniless. You know,
we don't have any wage garnishment in South Carolina, uh,
for like civil judgments anyway. But you know, they've passed away,
so there is no possibility at that point that they're
going to get something later that you know, judgments last

(34:30):
for ten years generally, so you're not going to get
that because they're not gonna they're not gonna get anything
later they've passed. Yeah, you can be really left holding
the bag.

Speaker 1 (34:40):
Well, another reason to be sure checking your insurance policy
and make sure you've got those two things there.

Speaker 5 (34:45):
And all right, so anybody, I'll tell you this in
my office, we're in Lexington. We handle cases in Colombia
all around. We offer free consultations. People can reach out
to us by calling eight zero three three five nine
three three zero one or a visitess online at snow
law dot com. Three l's snow law dot com in
three els three else Jim, good to see you body, Yes, sir.

Speaker 6 (35:07):
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(35:27):
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(35:50):
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eight eight one two one, or visit Jeffhowel dot com
that's eight oh three six seven eight eight one two
one or Jeffhowle dot com and let them find the
right insurance for you.

Speaker 3 (36:07):
Good morning. This is Larry Harris with Classic Systems. I'm
a certified mold inspector. We can help you test the
air in your home ten minutes per sample, one sample inside,
one sample outside. If we do it in the morning,
we'll have the lab report that afternoon and then we
can discuss with you what protocols you need to take

(36:29):
to clean the air in your home, particularly if you
have coughing, sneezing rashes on your body. This could be
because of mold that's in the air. Let us come
do air testing for you. The fee is only seventy
five dollars per sample and we can get the lab
report back the same day, so you know if you

(36:50):
have any airborne issues in your home. This is Larry
Harris with Classic Systems. Eight three six two six two
seven four eight at three six two seven four eight.

Speaker 1 (37:11):
Welcome back to the Home Improvement Show of the Midlands
on one O three point five FM and five sixty
am WVOC. Good to have you along this Saturday morning.
My name is Gary David and we're now joined by
Larry Harris or Classic Systems. Good morning to you, my friend.

Speaker 3 (37:24):
Good morning Gary. Is a blessing to be here.

Speaker 1 (37:27):
There's hot Who is it hot?

Speaker 3 (37:29):
Yes, it is.

Speaker 1 (37:30):
And the air's more than just hot. It contains things
that are sometimes just can't be good for you. And
we're here to talk some air facts this morning with you.

Speaker 3 (37:39):
That's exactly right. Something people don't realize is, according to
the American Lung Association, the average adult breathes into their
lungs two thousand gallons of air every twenty four hours,
and the pollution that they breathe into their lungs eighty
percent of it is polluted, dirty air, and the particles

(38:01):
are two point five microns small, so it can get
into the lungs and cause a lot of problems.

Speaker 1 (38:09):
Okay, let's let's let's let's let's rewind here just for
a second. So every twenty four hours, we're breathing in
two thousand gallons of air.

Speaker 3 (38:19):
That's enough to fill the small swimming pool.

Speaker 1 (38:22):
Well, yeah, I was just thinking a small one, but yeah,
I mean that's a lot of air. Now, of that,
two of those two thousand gallons, did you say.

Speaker 3 (38:30):
Eighty percent of it is particles that are particles that
are small, smaller enough to not settle out of the air.
And it's two point five microns, okay, So anything under
three microns is non settling, So they're just floating around
in the air. If you've ever seen a shaft of
sunlight coming in a window early in the morning, late

(38:53):
and afternoon, you see the little particles floating in the air.
Eighty percent of that's dead skin.

Speaker 1 (38:58):
It's good sells, yeah, love most of it yours. Yeah.

Speaker 3 (39:01):
So the average adult, according to doctor Larry Ireland at
Right State University, all these microns are smaller than three microns,
and we're breathing them into our lungs every twenty four hours.
And that's when I moved to Columbia, South Carolina in
sixty five. I had never had sinu sidus, a sinus problem,
but when I got here, I started having sinus problems.

Speaker 1 (39:24):
So I'm never was never a math whiz, But I'm
just thinking that that statue just threw out there. So
twenty thousand gallons, eighty percent with particles, So that's about
sixteen thousand gallons a particles with particles a day in
taking into your lungs.

Speaker 3 (39:44):
You know that is truly a fact. And the sad
thing is people don't know what's causing the problems, but
it's what we're breathing into our lungs, and it's just
like a lot of allergies and sicknesses of what's floating
in the air. I did a mold inspection for a
client in Lincolnton, North Carolina, and this gentleman actually was

(40:06):
tested and had aspergillous and penicillium in his blood. And
that's because there were five I did air testing in
his home and he had five different toxic molds floating
in the air in his home. So it's what we're breathing. Now,
we actually have the natural solution to endo our pollution.
It is an air purifier that duplicates what God does

(40:28):
in the sunlight every day. The UVEA, B, and C
rays photoelectrically coming into the stratosphere creates ozone. And I
love to ask people a trivia question, why is the
sky blue? And when you're doing live radio, people can
call in and we can ask them if they know
the answer to that question, which most people do. Not

(40:49):
A lot of people say it's the reflection of the ocean,
but actually the color of ozone is blue, and so
that's why the sky is blue. And if we can
duplicate what nature does outside, we can eliminate eighty percent
of the dust in our home. And that's what our
air purefiers do.

Speaker 1 (41:08):
Otherwise, Now, okay, you go outside, you're on your own.
You can't help there. But is I mean, do you
typically find or there scientific evidence that says that. Well,
depending on where you live, of course, but you know
around this area here that for most people, the air
outside your home is better than the air inside your
home as far as what you're breathing in.

Speaker 3 (41:30):
Yes, it is because nature takes care of that sea
the lightning actually creates. In a thunderstorm, lightning creates six
thousand negative ions per cibic centimeters four thousand positive. So
if we can put all those negative and positive ions
in the air inside of your environment, we're removing all
of the particles continually, so you're not breathing them into

(41:53):
your lungs.

Speaker 1 (41:54):
So we need to bring mother nature indoors.

Speaker 3 (41:56):
Absolutely can't meet mother Nature. And see this unlike creates ozone,
and ozone is three atoms of oxygen, and the third
atom desperately wants to separate from O two and it
does that by attaching to particles or solid matter like smoke.
And if you've ever seen a house on fire or

(42:17):
forest fire, the smoke will only go up about six
hundred seven hundred feet. Then the ozone starts to oxidize
it and get.

Speaker 1 (42:24):
Rid of it. So this is what you can duplicate
inside your home or absolutelyiness of your school or whatever.

Speaker 3 (42:35):
We had a test done for some arteries that are
partially blocked, and the lady that did the scanning said,
you know, you look real familiar to me. And then
after we got to talking when she finished the scan
she said, I bought an air from you twenty years ago.

(42:55):
So what a remarkable thing. We were so blessed back
in twenty two that we were on the air and
we had we had hundreds of people that hurt us
on the radio, and we were blessed. We were very
fortunate to help people with airpure fires back then. So
that's our mission still all these years later. If anybody

(43:15):
has dogs, or birds, or and parrots. We had a
client one time that had four parrots in a cage,
two dogs and two cats. You can imagine what was
floating around in the air in that home. So we
put an airpure fire in our home and let her
try it three days and it eradicated all that dust.

Speaker 1 (43:36):
So how does this work, Larry?

Speaker 3 (43:38):
Well, the airpure fire has a little antenna that actually
creates the six thousand negative ionspetific centime to four thousand positives.

Speaker 1 (43:47):
Its recreating the lightning inside your home.

Speaker 3 (43:50):
That's exactly right, and it goes out like a radio signal,
so it goes sixty feet in any direction through walls,
under beds, in a closet, wherever the particles are. Then
it also has a UV light and that ultraviolet light
creates a plasma of hydrogen peroxide and it's been proven
in many studies that that will sterilize surfaces.

Speaker 1 (44:12):
Then they use that on a cut.

Speaker 3 (44:14):
Yeah, right, So it's a plasma of hydrogen peroxide airborne
and it settles on surfaces to sanitize the surfaces. And
then you've got the ozone, which oxidizes eighty percent of
the dust out of the environment.

Speaker 1 (44:29):
So job number one is to be able to trap
those particles and have them fall out. That's correct of the.

Speaker 3 (44:40):
Air in your room, get them out of your breathable
airspace so.

Speaker 1 (44:43):
They fall down to the floor. Yeah, and then part
B then is that the ozone just evaborates it basically.

Speaker 3 (44:54):
It oxidizes. The term oxidation is like when you put
peroxide on a cut. You see the bubble effect. That's
oxidizing the bacteria that's on that surface wound.

Speaker 1 (45:06):
So how is this different from let's say an air filter.

Speaker 3 (45:12):
Well, an air filter, they're fairly good, but they're limited
in their capability because you've got to bring all of
the air to that filter and it only has the
power to draw. It's got a fan that draws air
to the filter. And according to Azureray, the American Society
of Refrigerating, Heating air Conditioning Engineers, you can only get

(45:36):
the air to that filter within three feet circumference of
that filter. So you can't get the air out of
the corner room because that's in dead airspace.

Speaker 1 (45:45):
So unless you're like sitting in a cubicle at an
office and you've got an air filter on your desk, okay,
that may be doing something for you. There sounds like
it'll only get three feet aside from that. So if
you had one right under your microphone. It's only going
to reach out three feet in any directtion, So this
is bigger than three feet. Well, that seems to me
like we've been sold to build of goods all these years.

Speaker 3 (46:06):
Now, well, you know the interesting thing, And I don't
understand how you get by with advertising a filter as
an airpere fire, because it is not. It's a filter
and it's got to draw the air to it to
be able to treat it. Now, these HEPA filters that
have a MERV rating of eight or higher are very
effective to trap particles. But let's understand what happens. Gary.

(46:29):
If you trap a lot of particles, heavy particles that
are larger than three microns, then you're going to contaminate
that filter. And if you don't change it every thirty days,
you've got contamination in your duckwork. So the best thing
to do is to use the most inexpensive filter you
can get and change it every thirty days. Their way,

(46:50):
you're protecting the airflow that's coming into your environment.

Speaker 1 (46:55):
Now, are there different model sizes options when it comes
to the the purifiers that you sell.

Speaker 3 (47:03):
We have one I shared with this lady at the
medical center that We've got a small air purifier that
you and your bride baught. It's only eight inches square.
Is called a pure Air fifteen hundred. It'll do fifteen
hundred square feet and it's only thirty ninety nine And
the only maintenance you have is the little lynch screens
on the back of the machine. You can vacuum those

(47:23):
off or you can take them out and wash them
with hot water. So it's real easy maintenance.

Speaker 1 (47:29):
And it's as mentioned, it's not big at all. It's small.
You can put anywhere.

Speaker 3 (47:35):
Yeah, it doesn't weigh but about two pounds, so you
can move it around. I think you even said you
had an accident with an animal and you got rid
of the year and others tremendously.

Speaker 1 (47:44):
That was phenomenal, and I knew to do that because
of our discussions, because of the little demonstration that you
showed me when we first bought it, which you show everybody,
and how in addition to getting those particles out of
the air though those smells like that.

Speaker 3 (48:01):
It is truly a joy to show that demonstration. We've
got an acrylic box that we put a drop of
mental oil in a little heater and it fills it
up with smoke. Then we cut the ioniser on. In
less than sixty seconds, all that solid matter of smoke
is dissipated because we're putting negative and positive charges on it.
Then we've got the ammonia test that we put household

(48:23):
ammonia on the opposite corner of two handkerchiefs and put
one corner in front of the air pure fire, the
other corner on top, and in sixty seconds that ammonia
odor is totally gone. So we've had so many restaurants.
There used to be a chain they're no longer in business,
called Ryan's. They bought our airpiper fireers for all four hundred,

(48:44):
over four hundred restaurants in the southeast to eradicate cigarette smoke.
We had a country club in Columbia that had a
problem with their restaurant next to the bar, and there
was cigar smokers in the bar, and of course the
ladies that were in the restaurant didn't like to smell,
so they purchased a larger air pure fire and it

(49:05):
had eradicated all that cigar smoke.

Speaker 1 (49:09):
I would guess, you know, used car dealer, for example,
they could benefit greatly from something like this.

Speaker 3 (49:16):
We've actually had some lounges and other facilities. We've even
got a medical center down there Myrtle Beach that bought
the Pure fifties to go in every office. And that
Pure fifty that's what you and your bride head in
the I think master bathroom where the little box was.
And so that little Pure of fifty will do three

(49:37):
hundred and twenty five square feet. It's only fifty dollars
and it's very little maintenance. You just vacuum off the
grill on the back or the little hole in the
front where the ozone comes out.

Speaker 1 (49:48):
That one just plug it on an out at the
wall and plugs it to do its thing.

Speaker 3 (49:51):
We have we have a listener for your broadcast that
has a I guess a fairly large boat at Lake Murray.
And he said, one of the problems with an enclosed
boat that you have bedrooms in or kitchen and everything
is this musky odors and mold. And he said that
Pure are fifty did a wonderful job on that boat.

(50:12):
So anybody that rents a boat or the guy that
has rental boats at the lake, this is a great
idem cabins get rid of the odor.

Speaker 1 (50:22):
Yeah, just just left here. Maybe he's still listening right now.
If not, I'll bring it up to them. Yeah, that's
a terrific idea well, and then of course you got
a bigger unit for larger areas.

Speaker 3 (50:34):
Right The pure Are three thousand is the Catillac of
our line. It is the best machine that we've had,
and it does three thousand square feet.

Speaker 1 (50:43):
Does it do it the same way or does they
have extra bells and whistles or anything.

Speaker 3 (50:46):
Well, does have a remote control that actually cuts the
lights off. We have a lot of clients that don't
like a lot of extra light in their bedroom or
in their den. So you've got a remote control that
removes cuts all the lights off so the machine still
works it and then you can cut it back on.
You also have a remote control that controls the airflow.

(51:09):
You can put it on maximum airflow or you can
dial it down. It's very little noise. But then you
also have the purification settings. You can set it at
the square footage or we always recommend that you started
about five hundred square feet and then increase it. But
in my home, I love the smell of ozone. It
reminds me of the clean, fresh air after a thunderstorm.

(51:32):
Or being in the mountains at waterfalls you smell that
clean air at waterfalls or at the ocean. See, ozone
is made by static electricity, and water rushing over the
rocks and waterfalls creates ozone. The ways that the beach
pounding on the surf creates static electricity makes ozone. So
it's a natural phenomenon that nature creates, and so we

(51:54):
can't beat nature.

Speaker 1 (51:56):
We try, now, we try.

Speaker 3 (51:59):
The great thing about these air purefiers is filterless technology.
All you have to do is clean the linch screen
on the back of the machine and the ozone plates.
And another thing that's lady at the medical center said
she didn't know where to buy ozone plates. Well, I
have ozone plates. She can get those from me for
any of the older machines or even the new machines.

(52:19):
So if you have a problem with finding ozone plates,
we can help you.

Speaker 1 (52:23):
I'm trying. Remember, gosh, we've had ours for it's probably
been ten years. Yeah, at least works like a charm.

Speaker 3 (52:31):
Hello Lujah. That's a blessing. So we're here to help
anybody that has allergies or indoor air quality problems, pets
that have dander, or birds that produce a lot of
bird down that floats in the air. We can help
you by putting an air pure fire in there and
getting all that junk out of the air.

Speaker 1 (52:50):
All right, How do folks bust reach you, my friend?

Speaker 3 (52:52):
The best way to get me is my cell phone
is eight O three six two six two seven four
eight eight O three six two six Larry Harris, try
fresh airnowl dot com. Goodness you buddy, thank you have
a blessed day.

Speaker 1 (53:10):
The lawyers and staff at the Law Office of James
Snell are there to help those with injuries and workers'
compensation claims, car accidents on the job and other accidents
resulting in injuries. They want to help everyone resolve their
claim as quickly as possible, but they'll never recommend you
accept a settlement that's unfairly low. The Law Office of
James Snell recognized by AVA with a ten and an

(53:31):
eight plus rating with a Better Business Bureau. There's no
cost to speak to them. Insurance companies make their money
by denying and minimizing otherwise valid claims. The Law Office
of James Snell can help. They're not looking to try
to take every small mishap, but focus on real injuries
that deserve to be taken seriously. The Law Office of
James Snell. I'm Jim Snell. Contact me at Snell law

(53:52):
dot com. That's three l's spell law dot com. The
Law Office of James Snell since two thousand and four
with off. This is in Lexington and Columbia.