Ruth Langsford is truly CRAZY! She sent Eamonn Holmes a ‘DISGUSTING gift box’ to ‘mock’ him for standing up on his own without a walker: ‘Come on old man, stop pretending, it’s so f@ke’ – celebrity.zululion.com

The GB News presenter, whose break-up with ITV anchor wife Ruth Langsford, 64, was revealed by the Sun in May, gave an update on his ongoing recovery from surgery.

Eamonn, also 64, had a double hip replacement in 2016 yet has been suffering from chronic pain since a follow-up spinal operation in September 2022.

Added to this, in early 2021, the former This Morning anchor was rushed to hospital after suffering from “pain he’s never felt in his life.”

He has required assistance to get dressed and a walking frame to get around but in his latest Instagram upload, Eammon gave hope to his loyal fans.

He posted a snap showing him looking smart in a blue jumper and white trousers.

The Belfast presenter pulled on some comfy blue trainers and was seen holding his glasses in his hand as he posed for the image.

In his cheery caption, he told followers of his heath update and wrote: “Hard to stand up but next my aim is to walk.

“Off to a birthday party today. What about you?”

His fans were quick to flock to the comments section with messages of support, with one writing: “You’re doing well Eamonn keep it up xx.”

A second put: “Looking great Eamon, keep smiling and surround yourself with positive people!”

A third then wrote: “C’mon Eamonn. We’re all behind you, literally, pushing you.”

One then added: “Looking extremely handsome as usual. Take care of yourself and have a great party.”

In addition to his other health woes, Eamonn suffered a fall at his Surrey home – which he previously shared with ex Ruth – which left him with a fractured shoulder last year.

In September 2023, he was seen eating ice cream in a mobility scooter while months later, he was spotted using a walking frame.

Eamonn was seen with the latter as he attended the TRIC Awards in London, sparking concern when he said he was “not OK.”

When GB News was announced as Best News programme, Eamonn told the audience: “I wasn’t going to come, but I’ve got this new chair with all these gadgets.

“I had an operation a year and a half ago, and two things went wrong so I have two things in my back I don’t want.

“So I’ll happily accept this.”

Speaking about their split at the awards ceremony, Eamonn said: “I’m not OK. This is not a good time at all.”

Just last week he sparked more concern when he quit his breakfast show unexpectedly.

At the time, a GB News spokesman clarified why Eamonn had to leave 90-minutes early.

They released a statement and said: “Eamonn had to finish a little earlier today as he was feeling unwell.

“He hopes to be back tomorrow.”

Happily, Eamonn was back on screen the next day.

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Source: CNN

Understanding Deductibles in Insurance

What is a Deductible?

A deductible is the amount of money a policyholder must pay out-of-pocket before an insurance company begins to cover the remaining costs. Deductibles are a fundamental component of most insurance policies, including health, auto, home, and business insurance.

How Do Deductibles Work?

When you file a claim, you are responsible for paying the deductible amount. Only after this amount is paid will the insurance company pay for the covered expenses exceeding the deductible. For example, if you have a $1,000 deductible on your car insurance and incur $3,000 in damages from an accident, you would pay the first $1,000, and the insurance company would cover the remaining $2,000.

Types of Deductibles

Why Do Deductibles Exist?

Choosing the Right Deductible

When selecting an insurance policy, choosing the right deductible is crucial. Here are some considerations:

Impact on Premiums

The relationship between deductibles and premiums is inverse. Generally, the higher the deductible, the lower the premium, and vice versa. This trade-off allows policyholders to customize their insurance based on their financial situation and risk appetite.

Conclusion

Deductibles are a key feature of insurance policies that influence both the cost of premiums and the financial burden on policyholders when filing claims. Understanding how deductibles work and carefully selecting an appropriate deductible can help balance cost savings with financial protection, ensuring optimal insurance coverage tailored to individual needs and circumstances.

Fixed Dollar Deductible: This is a specific amount you must pay each time you file a claim. It’s common in health and auto insurance policies.
Percentage Deductible: In some cases, particularly with homeowners insurance, the deductible might be a percentage of the insured value. For instance, if your home is insured for $200,000 and you have a 2% deductible, your out-of-pocket cost would be $4,000 before insurance covers the rest.
Per-Claim vs. Annual Deductible:

Per-Claim Deductible: You pay the deductible every time you file a claim.
Annual Deductible: Common in health insurance, this deductible resets each year. You pay out-of-pocket until your total expenses reach the deductible amount for the year.

Cost Control: Deductibles help keep insurance premiums more affordable. Higher deductibles typically result in lower premiums because the policyholder assumes more initial risk.
Reduced Claims Frequency: Deductibles discourage policyholders from filing small or frivolous claims, reducing the number of claims an insurer must process and pay out.
Shared Responsibility: Deductibles ensure that policyholders share in the financial responsibility of their care or damages, promoting cautious behavior and maintenance of insured assets.

Financial Ability: Assess your ability to pay the deductible in case of a claim. A higher deductible can lower your premium but may be challenging to pay if an incident occurs.
Risk Tolerance: Determine how much risk you are comfortable assuming. If you prefer lower out-of-pocket costs during an emergency, a lower deductible might be preferable, albeit with a higher premium.
Frequency of Claims: Consider how often you might need to file a claim. If you anticipate frequent claims, a lower deductible might be more cost-effective over time.