Wednesday, August 22, 2012

Ne Shqip: Siguracioni Jetesor

During a casual conversation about Life Insurance that I had a few days ago with Albanians who had arrived in the USA some 14 years ago, I was dismayed to learn that they had neither life insurance nor knew much about the importance of having it. 

For that reason, I am reposting below the Frosina Advisory about Life Insurance that I had originally produced in hard copy and also posted to Frosina's website back in 2004 about the importance of having life insurance!

Permit me to urge visitors to the Frosina Blog to help spread this important Life Insurance information - especially - to Albanian newcomers to the USA.
Van Christo


Ne Shqip

Siguracioni Jetesor 

Date originally posted by Frosina: Tuesday, August 3, 2004

Koncepti i Siguracionit Jetesor eshte padyshim i çuditshem dhe i panjohur per Shqiptaret e porsa ardhur ne SHBA te cilet duhet te pershtaten me kushtet e reja nderkohe qe perpiqen per te siguruar vetmbeshtetjen ne vendin e adoptuar. Megjithate, Siguracioni Jetesor eshte nje element i rendesishem ne shoqerine Amerikane meqenese siguron perfitime te rendesishme dhe te nevojshme, dhe gjithe Shqiptaret e porsa ardhur duhet te blejne nje lloj Siguracioni Jetesore per te mbrojtur veten, familjet e tyre, dhe ata qe lene pas.

Shqiptaret dhe te porsa ardhurit ne SHBA duhet te mendojne per Siguracionin Jetesor si nje burim i mundshem te hollash te nevojshme ne rast semundjesh te renda, funeralesh/varrimesh, pagese taksash, kredi shtepish, ose borxhe te tjera. Ai mund edhe te siguroje te ardhura per shpenzimet jetesore te nje familjeje, shpenzime per arsimim, e shpenzime te tjera ne te ardhmen. Gjithashtu ju mund te merrni hua me lloje te ndryshme te Siguracionit tuaj Jetesor.

Vendimi i pare qe duhet te merrni kur vendosni te bleni nje Siguracion Jetesor eshte zgjedhja e nje lloji me perfitime dhe parapagime qe i pergjigjet me mire nevojave dhe aftesive tuaja per te paguar.

Te gjitha Siguracionet Jetesore garantojne pagesen e nje sasie parash ne rast se vdes, por jo te gjitha siguracionet jane njesoj. Ka kater lloje baze Siguracionesh Jetesore:

A. Siguracion i kufizuar
B. Siguracion per te gjithe jeten
C. Siguracion Dhurate
D. Siguracion Universal jetesor

Prinderit duhet ti blejne Siguracion Jetesor femijve te tyre me nje kosto te ulet ne menyre qe kur ata te rriten te kene perfitime nga parapagimet e uleta dhe mbrojtja e dividenteve. Siguracioni garanton nje burim te menjehershem fondesh per shpenzimet perfundimtare ne rast aksidenti fatal apo semundjeje.

Siguracionet Jetesore mund te blehen permes agjenteve te pavarur qe mund te ofrojne çmimet me te mira me perfitimet me te medha qe i pergjigjen nevojave te familjes tuaj. Si agjente te pavarur, atyre nuk u kerkohet te rekomandojne ndonje shoqeri te veçante, dhe keshtu ofrojne Siguracionet Jetesore me kompetitive, me me shume kursim qe bazohen ne shendetin dhe moshen tuaj. Agjentet e pavarur te Siguracioneve Jetesore mund ti gjeni ne FAQET E VERDHA te numratorit telefonik nen titullin "Insurance." Siguracionet Jetesore te Bankave te Kursimeve ofrojne gjithashtu nje llojshmeri planesh me çmime te arsyeshme.

Frosina falenderon Siguracionin Jetesor te Bankes se Kursimeve, Fred Chicos te The Chickering Group, dhe David Casserry te Cassery Insurance Agency per consultimet dhe per informacionin e mesiperm, si dhe Shkelqim Beqarin per pershtatjen ne Shqip.

Tuesday, August 21, 2012

BOSTON: Public Service Notice from St. George Cathedral

There will be a booth at Saint George Cathedral
523 East Broadway South Boston, MA 02127
on Sunday, September 16, presided by members of the Albanian American
Medical Society to inform the Boston community on the Albanian Health
Initiative survey.
All are encouraged to attend. 10 AM to 12 Noon.

Dr. Dafina Pruthi, Dr. Ismet Lukolic, Dr. Erstela Durresi and other
physicians are expected in order to answer questions on the survey.

Please read the information below.

Subject: Albanian Health Initiative

Dear Members, Friends, Families, Colleagues:

We are very excited to share with you a recent project which has been
undertaken by a few members of our medical society which may have
historical impact and help learn how you can play a role as well. During the past few months Dr.'s Ismet Lukolic, Granit Veseli, and Elizabeth Lulaj have worked closely with senior members of the AAMS on creating a survey with intentions of collecting preliminary data on the Albanian-American population that has become quite prominent in NYC, as well as other cities and towns throughout the United States--especially over the last three decades! However, while this community  has become moderately successful as small business owners and entrepreneurs, the fact of the matter is that we still lag far behind when it comes to our health care and understanding our rights to access of health care.

For example,
the awareness of the importance of colorectal screening protocols or
cervical cancer screening is scarce to nonexistent. Moreover, even the limited amount of Albanian physicians practicing in those areas are inadequately educating or raising awareness of such standards despite their efforts in extending these standards of practice to their patients. For this reason, we have begun 'The Albanian Health Initiative which will collect anonymous data using either a paper survey the patient can fill out in your office or can mail back to us, or if the participant chooses they can request a copy from us on-line at our email address ( or go to our on-line survey to complete it. The Albanian Health Initiative goal is to try and identify and eliminate health care disparities that exist in the Albanian American community in an effort to promote preventative screening measures and more efficiently utilize health care resources empowering both the patient and physician to improve the quality of care and strengthen the patient-physician relationship.

Please find attached for your review copies of the survey and an awareness flyer alerting participants to how they can participate in this study.

 Also, you can go on our Facebook page to follow the link to our on-line survey found at: . We are very excited about the potential benefits this initiative has to offer both our patients and us as health care professionals as well.

We kindly request your help with offering your friends, family, and
Albanian patients this survey in your office for them to fill out. Once they have completed the survey they can deposit in a drop box which will be provided to you  and the completed surveys will be collected periodically.  This survey will not involve any expense to you or your office nor will there be any financial incentive for your participation. However, the incentive will be that you are making an effort to understand your Albanian patients better and are actively trying to learn how to better serve that subset of your patients.

Thank you for offering to help and please contact if you wish to participate or have any
questions or concerns that need clarification.  Once you have contacted us we will arrange for the surveys and drop box to be delivered to your office.

Thank you,
Lindita Çoku, MD
Albanian American Medical Society
Boston, MA, USA
Voicemail 617-236-0113