Monday, May 16, 2011

Family and Medical Leave and Short-Term Disability Benefits: You Can Get Them Both at the Same Time


You May Want to Watch John's June 2014 Video on this Topic



Family and Medical Leave and Short Term Disability: Can I Get Them Both at the Same Time If I Need to Miss Work Due to My Own Medical Condition?

Without question, this is an issue that confuses many employees and human resource personnel. But, the answer is very simple: YES!  And you need them both, but for two separate reasons. 

Family and Medical Leave Provides Job Security, but no Compensation for Lost Wages


Job Security but no $$$
If you qualify for Family and Medical Leave for your own serious health condition, then you are entitled to 12 weeks of unpaid leave. No money? What’s the big deal? JOB SECURITY. 

If you go out on FMLA Leave, you are virtually entitled to be restored to your same job provided that you return to work within 12 weeks of your first date of absence. To clients that often pooh pooh the benefits of FMLA leave, I often say: Would you rather get paid for 12 weeks and then lose your job, or get by for 12 weeks but then get your job back for (hopefully) years?

However, you may have an opportunity for earnings reimbursement if you go out on FMLA Leave. If you go out on FMLA because of your own health condition, and your company provides short-term disability benefits, you don’t have to go without pay for 12 weeks because…



Short-Term Disability Insurance Provides Payment for Lost Wages While You Are Out on FMLA Leave


$$$ but no Job Security
If you have a medical condition that makes it impossible for you to work, and your company provides short-term disability insurance, then you can be paid a substantial percentage of your wages during the time you are out of work. And that includes while you are out of work on FMLA Leave!

End of story – no debate.


How Do I Apply for FMLA Leave and Short Term Disability?

They are two separate applications.

Your request for FMLA leave is decided by your employer. Simply advise as to what your medical condition is, and provide a doctor’s note supporting your leave request (you don't need the note at the time of your initial notification to the employer of your need for leave; you will need it shortly thereafter). Once you have put the company on notice of your need for FMLA leave, your doctor will likely be required to complete and submit to your employer a completed FMLA Certification form.

Your request for STD is decided by the company’s disability insurance carrier. Tell the company’s HR Department that you want to also apply for STD benefits, and they or the insurance company will send you forms to get you started. Usually, the same medical information you provide from your doctor to support your FMLA claim will  be used to substantiate your claim for STD benefits as well.  That's pushing the Easy Button!

Questions about how FMLA, ADA, STD, Long-Term Disability and Workers' Compensation fit together?  Click Here.

Suppose my Company Does Not Offer STD Benefits - Can I Get Unemployment While I am Out on Family Leave?

In many cases, yes.  Click Here to learn more.



Thank for checking in with us! 

Pennsylvania Family Leave and Disability Attorney Provides Free Telephone Consultation


John A. Gallagher, Esquire
Helping Individuals Since 1991
John A. Gallagher is an employment lawyer who represents employees in Pennsylvania.  John routinely spends 5-15 minutes on the phone with folks in order to analyze their situation and see if further counsel would be beneficial.

Call 610-647-5027
Click Here if you have questions about any aspect of employment law, from wrongful termination, to wage and overtime claims, to discrimination and retaliation laws, to Family and Medical Leave…

Click Here if you have questions about any aspect of Pennsylvania Unemployment Law, from willful misconduct, to voluntary quit, to Referee Hearings, to severance issues…

Click Here to e-mail John directly.

Thanks for checking in with us.

198 comments:

Robert said...

As of August 2011 i went on STD and not FML at all. Ive been having seizures and sleep apnea. The doc has me out until March 2012.My STD runs out in Feb 2012. Can i then use FML? I recieved a letter from my company telling me they filled my position and the will extend me FML until Aug 2012 and if i return they will try to find me a position. If i can get back before my short term disability runs out don't they have to give me my position back?

Employment Lawyers said...

Sorry, I do not provide specific advice on specific questions on this Blog because the law is very fact specific....

Anonymous said...

What if I go on FMLA leave b/c I need to care for my spouse, do I still qualify to receive Short-Term Disability Benefits?

Anonymous said...

If a person does not have short term disability through their employer is there a program through the state or fed government that might also cover them?

Employment Lawyers said...

If you go out on leave to care for a spouse, you cannot get STD benefits. STD insurance only covers an employee who has a condition requiring absence from work.

I am unaware of any type of government-sponsored short term disability insurance program in Pennsylvania. Of course, the Social security Administration provides benefits for long-term illnesses or conditions.

Anonymous said...

I have applied for short term disability due to suffering from a back injury that was unrelated to my job. I am currently on FMLA. Can I switch doctors before I'm approved for the STD or after I'm approved without it affecting my STD benifits?

Anonymous said...

I am currently on FMLA from a back injury sustained from something not related to my job. I have applied for STD and am waiting on my doctor to fill out the papers. Can I switch doctors either before or after I'm approved for STD without it affecting my STD or do I have to keep the same doctor?

Anonymous said...

I'm going back to work after 10 weeks off on FMLA/Short Term Disability. How long to I have to work (I had hoped to be retired by now) so that I don't owe anything back to the company or insurance company?

julie said...

I was out on sickleave, and got paid , I do have fmla , I was out @ 45 days on sickleave.my company took my unpaid fmla hours away from me, when I was on sickleave , can they do this ,take fmla unpaid when I was getting paid??? If. They can't what can I do??? Because they did .

julie said...

Can work take my unpaid fmla time , when I am out on paid sickleave , they are saying they can take and use both at same time. They have done this to many where I work , fmla for stress, sickleave for maternity leave, and many other situations where fmla reason was not why they were on sickleave?????

Anonymous said...

June 6,2012
Can I get fired while i'm on FMLA?
Can my job hire someone to take me place while i'm out on FMLA

Employment Lawyers said...

Dear Anon:

You can be fired even if you are out on FMLA under one of the following scenarios (there may be others, but these are the most common): 1) the company was going to fire you before you went out on FMLA (obviously a question of proof); 2) the company discovered for the first time while you were out on FMLA something bad that you had done that justified your termination (proof, again); or, 3) the company did a reduction in force or mass layoff that included you while you were out on FMLA.

Hope this helps.

John A. Gallagher

Anonymous said...

If you have short term disability can it be taken away when you are 7 month pregnant and have had it for several years?

Temporary jobs kent said...

Thanks for all the tips. This info will be really helpful in my search.

Anonymous said...

Hello,
Am I able to leave the state while on STD if my living arrangements have changed in a negative way? I am out for stress related issues and may not have a choice for a brief period of time.

Anonymous said...

Hi, I am on STD and FMLA leave. My specialist says my FMLA exhausts on the 24th of August and right now my dr has me returning the 27th which the work specialist said that is fine. He finally, after many anxious emails, told me that even if my FMLA exhaust as long as I don't go into LTD I will be fine. They administratively terminate those on LTD but pay their percentage of pay which is 50%. I love my job and don't want to lose it. I am just not tell right now.
I have been trying to report to my supv who has not emailed me back. My specialist has, but supv had not after 3 emails and one VM. We spoke on her cell phone and she prayed with me and everything. Then she called me back an hour or so later on the work phone on speaker phone and kept telling me that I should not be inquiring about a supervisors whereabouts and such. She said this 6-7 times. I apologized 6-7 times. I was also crying bc I was so upset bc our convo went so well before then on her work recorded line she changed her demeanor and undermined me. Then said she needed to have this conversation if/when it comes back up again adn this place will continue to run without me. And because I was caught off guard, I was crying. She asked me if I had taken my medicine. What are your thoughts or suggestions and can I get fired for this? I was getting better and hoped to return on the 27th of Aug now because of the conversation with her I have now relapsed. What can you tell me about this? Thanks!

Employment Lawyers said...

Anonymous: no matter what the work specialist said, if you do not return from FMLA leave within 12 weeks, you lose your federally protected right to job reinstatement. If you want guaranteed reinstatement, get a new doctor's note returning you on 24th. In order to address the balance of your issues, we would need to discuss in detail.

Employment Lawyers said...

Anonymous: I don't see why you cannot leave the state while on STD. Just have your mail forwarded.

Employment Lawyers said...

Anonymous: one cannot be on STD for several years, so I do not fully understand your inquiry. I am not sure where the pregnancy fits in...you need to talk to an attorney to explain further and get answers. See my Post on pregnancy discrimination.

sue said...

Can one use std twice in one year for surgeries?

Anonymous said...

I've been out on STD due to stress related illness. I don't want to return to my present employer because of the stressful environment. My question is "can I accept employment with another company while on STD?"

Just a note there are currently four employees out on STD and or FMLA for various health related problems. Is it possible that there is a potential problem at work that may be causing all of these conditions?

Anonymous said...

Just wondering if you can tell me if i qualify for STD on intermittent FMLA. i only need to take off when i have episodes not for a continuous period of time. thank you

Kathy Crawford said...

niesorrAI'm unemployed and due to medical reasons I cant work at this time. Can I get short term medical disability until I have further work up done by MD's? Or do I have to have a job before I can do this? I live in Califronia. Kathy

Kathy Crawford said...

I'm unemployed and due to medical reasons I can't work at this time, can I get short term disability until I have further work up done by MD's? Or do I have to have a job before I can do this? Kathy

Anonymous said...

Anonymous 2~~

Does my employer have to give me my full time shift and hours back when i return from short term disability i was under my 90 day's ?

Anonymous said...

Does my employer have to give me my full time shift and hours back when i return from short term disability i was under my 90 day's ?

Anonymous said...

Does my employer have to give me my full time shift and hours back when i return from short term disability i was under my 90 day's ?

Anonymous said...

Is there a law which states how long the employer has to provide you with short term disability paperwork after you give your supervisor a DR note saying you have to out due to medical reasons? i'm going on 2 weeks still waiting on paperwork for my DR to fill out....

Employment Lawyers said...

Anonymous said...
Is there a law which states how long the employer has to provide you with short term disability paperwork after you give your supervisor a DR note saying you have to out due to medical reasons? i'm going on 2 weeks still waiting on paperwork for my DR to fill out....

ANSWER: No. Best thing to do is follow up, in writing (i.e. e-mail), and be persistent (without being obnoxious).

Employment Lawyers said...

Anonymous said...
Does my employer have to give me my full time shift and hours back when i return from short term disability i was under my 90 day's ?

ANSWER: Only if you were out on FMLA Leave. Otherwise, no.

Employment Lawyers said...

Kathy Crawford said...
I'm unemployed and due to medical reasons I can't work at this time, can I get short term disability until I have further work up done by MD's? Or do I have to have a job before I can do this? Kathy

ANSWER: There is no such thing as government provided short-term disability. There is "long-term disability" available through Social Security. So, if you are unemployed, there is no where for you to go and get STD benefits.

Anonymous said...

Ok I have a question I have been with the same company for 12yrs and I know the company isn't doing to well at the moment and I'm pregnant and going to take my fmla to be off for 8 weeks. There has been things said that they will not take me back afterwards but no dm or regional has said this to me. They are just planning on not inviting me back. Is this even allowed?

Anonymous said...

"Your request for FMLA leave is decided by your employer".
Decided by your employer and not your doctor who knows/has your medical history? That sounds completely ridiculous. So if my doctor agrees I need to be off and I present that to my employer, they can say no?

Anonymous said...

I was on FMLA for 2 weeks in Feb. Im back at work but my check was nothing can I still file for STD?

Anonymous said...

Your company does not have to hold your position for you when u go out on disability of any kind. Even if you get hurt at work, but most likely they will hold your position if you are injured at work as long as you arent out for too long. If you are hurt away from work your company has a at will decision to keep you or drop you. Some unions, like mine, have agreements that covers us 24 months regardless of what cause the disability. Now fmla does not pay you in any way. It only protects your job for 480 hours a year if you have worked 1250 hours previous 12 months. This 480 hours is shared between all fmla forms. When you are out on fmla and is disable you will apply for state disability which is thru EDD. First week you are out is not gnna be a pay week unless you have vacation or sick times you can use. Expect a one month wait to receive your first paycheck if not goes wrong. Your hr should hep you apply for STD. SHORT TERM DISABILITY WHICH WILL COME FROM STATE DISABILITY. BTW THIS IS HOW IT WORRKS IN CA.

Anonymous said...

Same here , iv been off for 3 weeks will I receive a check for the weeks I filled for ?

Anonymous said...

I had foot surgery back in February 2012 due to an infection I had to stay off work one month past my FMLA return date. My company did not ask for an updated FMLA but now a year later they are wanting to penalize me for the additional leave which I was under a the surgeon care. Is this legal?

Employment Lawyers said...

Anonymous:

If your employer penalizes you for taking FMLA leave, it has violated FMLA. You should seek counsel to discuss.

Regards,

John A. Gallagher

Anonymous said...

How long do I have to be out of work for a medical reason to qualify for short term disability?

Anonymous said...

What is the law around short-term dissability and childbirth? My employer told me that I will only get 60% of my salary for a period of 2 weeks only preceding the 30 days elimination period after childbirth. This is the first time I hear this. With my previous pregnancy and emplyer we were entitled for a min of 6 weeks of paid STD. Thanks!

Anonymous said...

I would ask the better business buero those questions..... it would put a little heat for that company to be desent i would think .

Anonymous said...

Hello,
In March 2013 I was approved for re-certification FMLA for my own serious health condition. I did not purchase STD at the start of my employment & my employer doesnt provide STD but they do provide LTD. I do not have savings or any sick time & my Dr. wants me to go out of work for 3 months & he told me Pennsylvania DPW provides STD & he gave me the form # that he is always filling out (Form 1663)BUT I am unable to get any person on the line for info. Are you familiar with this type of financial assistance?

Anonymous said...

I was approved for re-certification FMLA in March 2013 for my own serious health condition. I did not purchase STD at the start of my employment & now I am ineligable, my employer does provide LTD though. My DR. wants me to go out of work for 3 months but I do not have any more paid sick time & no savings. My DR said he fills out this form (#1663) through the Pennsy DPW & says that they should provide financial assistance BUT I CANNOT GET ANYONE ON THE PHONE to answer any questions! Are you familiar with this type of aid?

Anonymous said...

I used 2 weeks of fmla, last year. So, I only have 10 weeks of fmla right now. I do not have STD. But do have LTD. which kicks in 90 days from being written out of work. My question is...if I take my 10 weeks of fmla. I will be about 14-17 days shy of the "90th" day out on fmla. Am I still entitled to my LTD? I know I'll probably be fired once my Fmla runs out. But, is there anything I can do, I.e. pay my benefits, insurance for the shortage of days, before 90days? I'll have a doctors not for the 12 weeks. I just don't know if I can get the LTD.. I've been employed for over 12 yrs, & am in good standing.

Anonymous said...

I used 2 weeks of fmla, last year. So, I only have 10 weeks of fmla right now. I do not have STD. But do have LTD. which kicks in 90 days from being written out of work. My question is...if I take my 10 weeks of fmla. I will be about 14-17 days shy of the "90th" day out on fmla. Am I still entitled to my LTD? I know I'll probably be fired once my Fmla runs out. But, is there anything I can do, I.e. pay my benefits, insurance for the shortage of days, before 90days? I'll have a doctors not for the 12 weeks. I just don't know if I can get the LTD.. I've been employed for over 12 yrs, & am in good standing.

Anonymous said...

I'm currently 29 weeks pregnant and don't want to take my maternity leave until about two weeks before my due date ..my HR department already handed me the FMLA papers for my doctor to fill out ..will he be putting down the day I want to go on maternity leave as the start of my 12 weeks?? And will I be able to apply for STD for my 6 weeks and then take the extra 4 weeks as paid family leave?

Anonymous said...

Sir,
I am trying to find information for my daughter who is pregnant with twins and considered a high risk.She works as a prison guard, if the prison does not offer STD can she apply through the state?

Anonymous said...

I was approved for FMLA & Short Term Disability pay through the company I work for, because I had to get 2 surgeries due to a work related condition. All the information had been provided from the doctors & I was approved by
their HR team for leave with Pay.

Their policy states an employee can take up to 13 weeks of disability with pay. The 1st week is not covered, after that, an employee is covered with 100% pay up to the 6th week, then 75% pay up to 13 weeks.

I've been out for about 5 weeks now & only paid for 40 hours, although I was approved. This has put me in a financial bind. Had I known this was going to be a problem I probably would have applied for worker's comp or not had the surgeries at all.

The company I work for out sources their HR team & I've had a lot of trouble with the reps there; Primarily due to the lack of organization. I was told a different explanation every time I called.
Ranging from "Approved", "Not Approved", "Approved but system was down", "Approved but need to wait",and my personal favorite... I don't see a claim....

I've been with this company since 2007 This is supposed to be part of the benefit package that my employer considers part of my compensation? Is this a legal matter?

Anonymous said...

If I return back to work from STD after 7 weeks and my doctor has released me to part time only (temporarily) can I be terminated while only part time STD if I was written up before I went on STD?

Katie Kelly said...

Would you be required to pay back STD that was paid during FMLA for maternity leave if you decided after the fact not to return to work?

Katie Kelly said...

If you received STD during FMLA for maternity leave, and decided before FMLA was up that you did not want to return to work, would you be required to pay back the STD?

Anonymous said...

I am getting ready to take my maternity leave.. I understand how STD and FMLA coincide... however my employer is claiming that once STD benefits are over, I have to exhaust my PTO before I can take unpaid FMLA leave. Is this true?

Employment Lawyers said...

Katie: I do not believe so. One only has to repay vacation pay taken during FMLA if one does not return. I am pretty sure on that.

Employment Lawyers said...

Anon: Your employer may be confusing things. Neither STD nor PTO provide for time off with right to return, only FMLA does that. So, while you may be entitled to STD benefits while on FMLA leave, and may thereafter be required to accept your accrued PTO pay while on FMLA, neither exend the length of your leave under FMLA (12 weeks). BTW, if you exhaust STD benefits, see if they have Long Term Disability benefits...otherwise, yes, they can require you to accept PTO pay while out on FMLA leave.

Employment Lawyers said...

Anon: If the STD benefits are provided by your employer's insurance carrier, you must take any delay/shortfall up with insurer (it is out of company's hands). If the STD benefits are paid directly by the company (uncommon but sometimes) then take it up with your benefits people. Generally, whether the benefits are pursuant to an insurance contract or company policy, they must be paid if you are eligible. Hang in there and be persistent in your follow up.

Anonymous said...

I currently have an intermittent fmla leave open that needs to be recertification, my question is if I switch doctors do I need to start all over with a new leave?

Anonymous said...

My name is mad money,,,Hello I have short term disability, that I pay every two from my check. My employee just told me short will pay 60% and they will pay me 40% from my time I cumulative meaning ETO (extended time off). The problem I have I paid into short term so why I have one check, meaning short and my job. When I paid a percentage deduction from my check and I supposed to get my time off I cumulative? They say the law. While it shouldn't have my check dedicated for short. That my law . Paying something that only receiving nothing please answer. Cause I have to go back to.work to make ends meet!!!!

Tracy Martinez said...

I been paying for std so do I get paid when I go on paternity lead !!

Anonymous said...

Legally can the employer deny STD and FMLA request if a serious medical condition happens during the period of an employee Performance Improvement Plan which the supervisor is basically going through company procedures in preparation of firing the employee.

CH said...

If I take FMLA for maternity leave I have about 6 weeks of PTO ans sick leave balance. Do I have to exhaust this before I use STD?

CH said...

While off on fmla do I have to exhaust all pto and sick leave before I can use STD?

Sarah H. said...

I am on short term disability and am supposed to return to work on the date specified by doctor. If I do not return to work/quit, will I have to repay the STD? STD is provided through 3rd party.

Anonymous said...

I am on maternity leave and receiving std. I am required to return back to work early next month. I have a doctors appt that will be a week after my return to work date and I am going to have to have surgery. Would I be able to do FMLA to take care of my newborn and STD for my surgery? Thanks!

Ken said...

If I went out on STD back in April of 2012 after an accicent for 12 weeks, can I still get 12 weeks of STD now if needed?

Jessica Black said...

I am out on STD. Can a company force you to switch locations to keep your hours. I was notified by my store manager that I will have to go to other locations to keep my hours. I feel like I am being punished for going on short term disability. The manager said they didn't know how long I was going to be out and they hired 3 people. I will be about a month and a half total I have been out when I go back. Last time I used STD with a different company my hours were not affected. I feel as though I am being punished for going on STD.

Anonymous said...

I am out on non-FMLA leave because of mental disability (insomnia/depression) due to the death of my parent. I would like to quit when I am cleared to return would I be required to pay back any short term disability payments I received while I have been absent?

Anonymous said...

I want out of work for family emergency, and metal break down. My employer said im not eligible for std. I've been with the company a little less then 3 years. They said i never enrolled in ltd or std? Is this right?

Anonymous said...

In my current position I am required to do extensive driving. My doctor has said I cannot drive due to loss of conscious related to a heart issue. I could still fulfill office duties, but not the core functions of my job (because of the driving restriction). My employer has said they will get back with me on whether or not I can come in to work. Is this an FMLA or STD issue?

Employment Lawyers said...

Anonymous:

It does not appear to be either an FMLA or STD issue. It seems, more likely, to be a ADA issue; the question is whether the employer is required to give you a reasonable accommodation. Please use the Search Bar to check into that issue elsewhere in this Blog.

Employment Lawyers said...

Anonymous:

One is entitled to Short- or Long-Term Disability Benefits if the company provides such insurance. In some cases, the employee is required to sign up for such insurance and pay part of the premium out of his/her paycheck. If that was required by the company and you did not sign up, you are not insured for disability.

Employment Lawyers said...

Anonymous:

If you are out on STD, the company may alter the terms of your employment (hours, work location, etc.) when you return UNLESS your absence was covered under FMLA - which creates a whole different situation.

Anonymous said...

On intermittent fmla do you qualify for std pay for time missed?

Anonymous said...

I'm almost 9 months pregnant and have only worked for the city going on 6 months. My due date and probation date are the same. I qualify for nothing, do I have any options?? Please help. Thank you.

Anonymous said...

Hi, i was with the company for 11 months and i went into short term disability, my 1 year in 4 weeks after i gave birth, when does my fmla starts?
last day worked 03/25/15
1 year 04/28/2015
thank you

Ana said...

hi i was hired on 04/28/2014 i went out for maternity on 03/25/2015. currently im on std, can my fmla starts on 04/28/2015? thanks

Prefessional driver said...

ok, I work for a local trash hauler. and im a professional driver of 18 years with a CDL. on JUNe 1st all the trucks in the fleet became ILLEGAL because the apportioned registration ran out. Some drivers refused to work on the 1st of june. so the company went out and only applied for the new registration. And assured us they would pay any fines. however this can blemish my clean driving record. we were also told that the new registration would be current in 5-7 days. it has been ten days now and every day I am putting my driving record at risk because they cannot afford the registration on the vehicles. I Also found out it can take over a month to get the registration back in order. Can I quit and receive benefits?

Kim Mayhan said...
This comment has been removed by the author.
Kim Mayhan said...

Can company stop paying group insurance, and not tell you.

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R W Employee Benefits said...

Great Post! It's very nice to read this info from someone that actually knows what they are talking about. employee benefits program New York

Jesse Kaplan said...

I had a series of events, broken leg, home flooded with sewage,car engine blown, and ensuing ramifications, including denials from 2 of 3 insurance providers, that has resurfaces pre existing mental health diagnosis and has seriously affected my ability to focus, and perform my high performance professional sales position.

My Psychologist has recommended time off work until I can see me treatment provider Aug 5th, and provided a doctors not saying as much. I was now missed 4 days of work. My PTO is already exhausted. I have only been with the company since March 21st, but am over the probation phase. I went from being a top performer to barely being able to function.

I have requested FMLA, but I know I have not been with the company 12 months. What is my best position to take and what should my general course of action be going forward particularly if I end up needing to file for Short Term Disability? Are there any cautions or actions I should take not to protect and secure both wage and javascript:void(0)job position?

I really am normally quite good and really enjoy my job. I want to be able to return to work asap. Any advice I'd greatly appreciate. Thank you kindly.

Anthony Acuna said...

I was in a car accident almkst a yesr nkw and i am getting Short term disability after my year is up what do i do after to keep getting paid as i am still in recovery . If u can please email on what i need to do at antdizzlee82@yahoo.com

Ankita Gore said...

Thank you for sharing such great information. Term Insurance and so on.

Anonymous said...

Can you be forced to use FMLA when the company offers STD as well? I work for a union where the loss of my job is not an issue when taking STD, but recently the company has been forcing us to use our FMLA at the same time up to 6 weeks when we need time off for personal injury. In the past, it has always been separated, and the use of FMLA is strictly the employee's decision.

Anonymous said...

I have been on short term disability and charged FMLA for the same length of time and wish to know if legal in New York State as insurance for business said they did it and that is that.

Anonymous said...

Good Morning Sir,I live in Pa but work in NJ,I had shoulder surgery from a car accident on Nov 7,2016.I had to go out on Temporary Disability,I gave my employer the paperwork to fill out a week before the surgery but it seems like my employer is making it difficult for me to get this paperwork completed so I could file the claim.This is my only source of income while recovering is there anything I could do legally

Marc Aaron Goldbach said...

Thank you John for your thorough post about "Family and Medical Leave and Short-Term Disability Benefits: You Can Get Them Both at the Same Time." As I observe about FMLA is it's very complex for ordinary people to understand FMLA. I got a lot of questions in my office
"Goldbach Law Group" regarding this law, you did a great job by sharing your post in your blog here. Great idea to reach out with many employee and employers to educate them. So, confusion can be less for both. Thank you.

Anonymous said...

Hi there. I have had a long recovery from a hip replacement. I was on STD. My position has been filled, and I have been terminated. My question is this, while on STD, are you entitled to the PTO that you would have accrued while being out? I had 2.61 PTO hours plus 3 days at 7.5 for 2016. Then should have accrued 1 personal day, New Years Day, and MLK Day for 2017. Any advice would be helpful.

Antonio Jefferson Cole said...

My name is Antonio Jefferson Cole, I'm in Salt Lake City, Utah. It is a pleasure for me to write this testimony about how I got healed from genital herpes 12 hours ago. I have read so many comments from some people who have been cured of HIV by Dr. Ekpiku, but I never believed them. I was hurt and depressed, so I was very curious and wanted to try Dr. Ekpiku, so I contacted him on his email Ekpikuspellhomeofgrace@gmail.com when I get in touch with him, he assured me 100% that it will heal me, I begged Him to help me. My treatment was a great success, he healed me as he promised. He sent me his medication and asked me to go for check-up after 2 weeks of taking the medication. I agree with him, I took this medication and went to the check-up after 2 month, to my greatest surprise my result was negative after treatment, I am really happy that I am healed and healthy again. I waited for four months to make sure I was completely healed before writing this testimony. I did another blood test today and was still negative Herpes, so I think its time I tell someone out there with Herpes HSV-1 or HSV-2, HIV, HPV, hepatitis B, diabetes, cancer and so on, Dr. Ekpiku in the email: Ekpikuspellhomeofgrace@hotmail.com . Your phone number is +2348073673757, He is also on whats app. I completely understand how you can feel skeptical about it, because it happened to me, it can be expensive for you, but I'm telling you now that there is a cure for these diseases and I am a living witness firsthand.or you can email me on antoniojeffersoncole@gmail.com for any assistance.

Unknown said...

My husbands doctor put him out of work for two weeks, and said that he can no longer do 1 position at his job but can do another after the two weeks. the job doesn't have that position open yet and put him on a unpaid medical leave. can he collect anything?

john smith said...

Which begs the question what percentage is actually caused by hip FAI or hip impingement, as its otherwise known. Sarah Wayne

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I think this information could help to move over the positive career path. Really nice to read and also much useful tips too.

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Robert Laura said...

How I Got Back On My Feet Again Through The Help Of A Reliable Loan Company

Am here to share my testimony of what a good trusted loan company did for me. My name is Robert Laura, from Texas United States and I’m a lovely mother of 3 kids i lost my Job a couple of months ago 14th January precisely and things where so hard for me and my children, I went online to seek for a loan assistance and i fall into the hands of scammer, i was scam over $4,500.00 dollars, all my access where all gone, taken away from me. all hope was lost and i and my kids where sleeping in the street not until one faithful day when i met this friend of mine who recently secured a loan from PHILIPS LOAN FIRM. She introduced me to this honest company who helped me get a loan in less that 24 hours which was May 25th 2017 without any stress, i will forever be grateful to MR Philips Harvey, for helping me get back on feet again. you can contact them via email: Philipsharveryloanfirm@gmail.com, they do not know I’m doing this for them, but i just have to do it because a lot of people are out there who are in need of a loan assistance and they have been scammed like me please come to this company and be saved.Email:(Philipsharveryloanfirm@gmail.com)

Regards.

Robert laura said...

How I Got Back On My Feet Again Through The Help Of A Reliable Loan Company

Am here to share my testimony of what a good trusted loan company did for me. My name is Robert Laura, from Texas United States and I’m a lovely mother of 3 kids i lost my Job a couple of months ago 14th January precisely and things where so hard for me and my children, I went online to seek for a loan assistance and i fall into the hands of scammer, i was scam over $4,500.00 dollars, all my access where all gone, taken away from me. all hope was lost and i and my kids where sleeping in the street not until one faithful day when i met this friend of mine who recently secured a loan from PHILIPS LOAN FIRM. She introduced me to this honest company who helped me get a loan in less that 24 hours which was May 25th 2017 without any stress, i will forever be grateful to MR Philips Harvey, for helping me get back on feet again. you can contact them via email: Philipsharveryloanfirm@gmail.com, they do not know I’m doing this for them, but i just have to do it because a lot of people are out there who are in need of a loan assistance and they have been scammed like me please come to this company and be saved.Email:(Philipsharveryloanfirm@gmail.com)

Regards.

Luciana Diego said...

Dr. Ekpen Temple Your spell worked and brought my husband back to me. You gave me support when I was feeling hopeless. I feel truly blessed to have found your email address. I sincerely hope others will take that leap of faith and let you help them as you have helped me, for those of you who want to contact him reach him on his email address: ( ekpentemple@gmail.com ) OR WHATSAPP +2347050270218 you will never regret contacting him… He is capable of restoring your relationship and marriage problems like he did for me.

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Elaine Pope said...

Hi, I would like to share my experience with you guys on how I got a loan to pay the duty tax of my bank draft and to start up a new business. I was at the verge of loosing all my belongings due to the bank draft I took to offset some bills and some personal needs. I became so desperate and began to seek for funds at all means. Luckily for me I heard a colleague of mine talking about this company, I got interested. Although I was scared of being scammed, I was compelled by my situation and then I began to look online and ran into their email at: (r_nelsonfinanceltd@yahoo.com ) where I was given a loan within 72hrs without knowing what it feels like to be scammed. So I promised myself that I was going to make this known to as many that are in financial stress to contact them and not fall victim of online scam in the name of getting a loan.

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Anonymous said...

Our company uses Prudential for maternity leave and throughout the whole process...Going to HR, Calling Prudential... I have had little to mixed to no information given to me until recently. I got with my HR person and she told me that everything I needed to know would be through Prudential...to call them. I called and set things up, but had no explanation on sick time. My direct supervisor told me that since I have Prudential I won't get occurrences. However, no one explained to me that I would need to call and notify them. I now have to find someone at work who I trust to give me the dates that I have had to call in sick since September and tell me how many occurrences I have accrued. My supervisors should have come to me and mentioned something sooner... shouldn't they? I'm almost at my due date and the head supervisor (we have three under him) for our department said that I should look into short term disability to cover anything else I need off so that I don't get any more occurrences. So that tells me they have known all along and plan on doing nothing about it? I called and talked to Prudential today and they said that I already have this under them...that I need to call and tell them any time I call out due to prenatal complications. I plan on reporting all hours that were given occurrences, but what happens if my managers don't wipe them off of my record? None of them have been very helpful through this transition. They just say oh we will set you up an appointment with HR who then repeatedly tells me that everything is through Prudential. I just recently found out that Prudential covers up to a certain time and then our company covers us, but our jobs aren't secure through their leave time. I don't know what to do, but I don't want to get screwed by this disorganized company. Any information would be greatly appreciated to cover my "assets."

Mr Win said...


This may not sound fair, because it’s not

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In fact, when you do this... watch his face light up, almost as if he’s just been zapped.

It’s that moment when he says to himself “Where have you BEEN all my life?”

Every woman should know this. Check it out here:

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AARON HARRIS said...

Hello everyone reading this article I just want to pass information to you that is reading this article, if you are facing difficulty in your relationship, here is what you will do that will restore peace to your home because I tried it and it work for me that is why I'm passing the information in case anyone have similar problem like break up, fallout with her husband, whatever it maybe just contact Dr ekpen temple and it will fix the problem for and you will be happy again in your relationship. Contact him now via: (ekpentemple@gmail.com) or on whatsapp +2347050270218.

France Robin said...

I want to share this wonderful testimony to the people all over the world on how I was cured of herpes disease by Dr. Ben. I was living with herpes for the past two years, just last month as I was browsing on the internet about herpes and HPV disease, I saw a testimony of lady called Miller Moore, testifying of how she was cured of herpes by Dr. Ben and I decided to also email Dr. Ben for my herpes cure if you are suffering from this diseases you can as well Contact this great herbal doctor via his email

Benherbalcure@gmail.com
Cell phone on +2347064294395

Maria Lucas said...

I'm here to share to the worldwide that Dr.Zuku is a Powerful Herbal Medicine man. that can cure your disease if you can only contact him and let him help you. I was cured from my Herpes Disease. after suffering since 9years ago. but when i contact him on the internet. he gave me a Natural cure that ended my suffering after using it for two weeks. i went to check myself on the hospital and i was tested negative. I can't more happier but to say thank you sir and i use this medium to say to everyone don't waste any time to contact this powerful herbal Dr,Zuku On any Kind of Disease he is Ready to help you. You can reach him through

Email:drzukuspelltemple@gmail.com

Dr.Zuku Cell Number:+16177296273

contact Dr Zuku Blogs: https://drzukuspelltemple.blogspot.co.ke/

Dr.Zuku Website: https://drzukuspelltemplewhereallkindsofproblemisbesolve.wordpress.com/contact/

AARON HARRIS said...

Hello everyone reading this article I just want to pass information to you that is reading this article, if you are facing difficulty in your relationship, here is what you will do that will restore peace to your home because I tried it and it work for me that is why I'm passing the information in case anyone have similar problem like break up, fallout with her husband, whatever it maybe just contact Dr ekpen temple and it will fix the problem for and you will be happy again in your relationship. Contact him now via: (ekpentemple@gmail.com) or on whatsapp +2347050270218.

sony bills said...

I am glad with the invention of natural herbal permanent cure for herpes. Sometimes last year i was checking for permanent solution to this offensive infection i don't even know how i got, i came across so many testimonies shared about this herbal doctor called DR EMUA, I contented him and asked him for proves, just to be sure i was not in the wrong hands, he gave me so many proves and i had no option that to give him a try, just to cut everything short, i got a parcel from him through FedEx and he told me how to apply it which i did, after one month i went to the same doctor for a retest, and the doctor could not find any trace of herpes in my body, am so happy now, don't even know how to show the joy in me, if you have same sickness or any illness given you hard time i will advice you to contact this great healer called DR EMUA, You can contact him Via this email dremuahelphome@outlook.com or dremuahelphome@gmail.com for easy and fast communication you can also call or add him on whats-app with this number +2347063628174, if you want more information about this great healer, here is my number, you can call me or add me on whats-app with my number +15185546034.

Mirian brian said...

I must admit dr_mack@(yahoo).com is really a genuine man when it comes to restoring relationship, i never believed that my man will ever come back to me, my man is now with me and he loves me like never before…

Mike Tom said...

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Monica wofle said...

Do you know that there is a great Herbal doctor who can cure any disease? Like Cancer, HIV, HPV, syphilis,diabetes, herpes, anthrax, madness, low sperm count, pregnancy And also bring back your Lover E.t.c. Well my main reason why i am writing this right now is to inform the whole world about the great deeds, Dr Iyoha did for me. My name is Monican wofle, I was diagnosed of HIV in the year 2012 ever since then I was taking my medications, until I met the great spell caster, though I never believed in spell. I saw many testimonies on how he cured deadly diseases. I contacted him through his Email: driyohasolutiontemple@gmail.com I Emailed him, he asked me to send him my information, which I did. He told me that his going to require some items in which he will use in casting a curing spell on me. I don’t know where to find the items he required. He told me that the only alternative is for me to send him the money and he only demanded for just $390 dollars to get the materials and he helped me to get the itames for the herbal treatment. I promised myself to do anything to get cured. I sent him the money. He bought the items and casted a curing spell on me and also sent me a herbal portion, I used it as He instructed. 7 days later he asked me to go for check up, when I did the check up I was tested HIV Negative. I am so happy, I can not stop thanking Him, if you passing through hardship and you need a way out, kindly contact him via his email on:: driyohasolutiontemple@gmail.com..............YOU CAN ALSO CONTACT HIM ON HIS MOBILE NUMBER: +1 (407) 337-9869

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Stephine Cruz said...

I have being suffering from a dangerous disease called HERPES for a very long time now, And ever since then i have being on treatment but i notice that everything was becoming worst, which make me so confused and don't even know what to do anymore, and i was always seeing my self going down, then i knew that there was no hope for me anymore. But all thanks to God that push me to go on a search on the internet where i saw series of testimonies about Dr.Ezra and the wonderful work his herbal medicine have being doing for people. with all the amazing testimonies i saw on the internet i decided to give him a trial, then i contacted him and he assure me that within 3 to 4 weeks of taking his herbal medicine that i will be well again. Then i started taking the medicine he sent to me. But to my greatest surprise i saw my self coming back to life, and when i finished the medicine as he instructed me, i went for a medical checkup and my result came out negative i couldn't believe my eyes. Dr.Ezra you are indeed a great and powerful herbalist. I cannot thank you enough for bringing me back to life. You can Get to Dr Ezra on this Email Address: drezraherbalhome@gmail.com or message him on WhatsApp on this Tel.NO: +2348116755255. During my communication with him he said he can cure all manners of disease like:

Cerebtospinal Meingitis
Chagas Disease
HIV
Hepatitis A/B
Alzheimers Disease
Schizophrenia
All kinds of cancer
HIV
Chornic Obstructive Pulmonary Disease (COPD)
Sarcoidosis Disease
Epilepsy
Asthma
Preterm Birth Complications
Diabetes Mellitus
Tuberculosis
Diarrheal Disease
Lower Respiratory Infections (LRI)
Stroke
Coronary Artery Disease (CAD).

Rose Sharon said...

Hello, everyone! I,m here to explore blogs and forum about the wonderful
and most safe cure for HERPES SIMPLEX VIRUS (HSV).
I was positive to the deadly virus called HERPES and i lost hope because i
was out casted and rejected even by my closet friends.
i searched on-line to know and enquirer about cure for HERPES and i read
someone testimony on how he was cured from HSV-2 so i decided to contact
the same herbalist Call Dr Edidia because i know that nature has the power
to heal everything.
i contacted him to know how he can help me and he told me never to worry
that he will help me with the natural herbs from God!
after 2 days of contacting him, he told me that the cure has been ready and
he sent it to me via UPS SPEED POST and it got to me after 3 days!
i used the medicine as he instructed me (MORNING and EVENING) and i was
cured!
its really like a dream but i am so happy!
thats the reason i decided to also add more comment of Him so that more can
be saved just like me!
and if you need his help, you can email him on dredidiaherbalhome@gmail.com
or whatsapp +2349074505296
here is the Dr Blog page
http://dredidiaherbalhome.blogspot.com

https://herbalcureforhbv.blogspot.com


I,m rosesharon and you can get intouch with me via rosesharon915@gmail.com

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maria scott said...

A MUST READ :Me and my family has been in poverty for about five years now and my husband have left us six years ago and he was very rich he was with another woman who do not even have a child for him and abandon me with my 4 children so one day my son said that his friend saw a post of one woman saying that he can help someone get a loan then my son use his friend's phone to email the woman then he cheated with her so the woman said that he will help us I said he was joking so he told us what to do then we did it 4 days later i got a loanand me and my family were living very fine then three days ago my husband came home on his knees he was pleading but now we are now back together again so am telling you now if you need a loan etc email her now on jasminnoorloancompany01@gmail.com,

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Silver Sandy said...

I was haven herpes 2 spreading all over my body even on my private part two. I have had them for about 2 and a bit years. I am so scared what my mates are going to says if there should fined out i have herpes on my private part and due to the virus my girlfriend broke up with me. I have been to the Doctors 9 times to get it treated. They all come back. I have been using Tee Tree Oil and Wartner (You freeze them at home) and they seem to be keeping the smaller herpes small but they can't seem to treat the larger ones. They don't get any bigger, but then they can't shrink as much. They get smaller a little part at a time. At least they are getting smaller! As soon as I see a new herpes appearing, then I treat it. At the moment I have been using Tee Tree twice a week and then using Wartner every 2 weeks. I was wondering if there was any other information about how to get rid of it. I am only a teenager and I hate it most when it get pi-chins me to scratch it, it get sweets when scratching it most times! I want to get rid of it so bad! DR.ODUDU website has been a huge help and has helped me realize a lot more about me and my family of genital herpes! so that was when i switch for natural remedy to see if there could be any help by herbal remedy, i search and i saw a great posts by Sarah devise adebayo ehijactor and shanttel Merritt on about the great herbal doctor that get them rid of there disease infection. and this great herbal doctor was called DR.ODUDU so that was when i contacted him for my own treatment and he prepared me some herbs which i takes for some couples of days, and i take it as he says before i am to no me and my family was perfectly cure from it and never experience it again. please friends if you have herpes virus and you really wants to get rid of it, please contact this great DR.ODUDU for herbal treatment and you will get rid of it. EMAIL
dr.oduduherbalhome@gmail.com

cell phone contact +2348101571054
his whatsapp contact is +2348101571054
you can also massage him right now true here on his page with Facebook https://web.facebook.com/DR.ODUDUHERBALHOME/?fref=ts

THANK TO YOU ALL FOR YOUR TIME OF READY MY TESTIMONY AND MOST ESPECIALLY YOU DR.ODUDU WE PRAY NEVER TO FORGET YOU IN OUR LIFE'S.

Anonymous said...

Hi. I loved your article. It is very well written. I am a layman in the area of nutrition and most of my knowledge is based on internet searches. I have herpes 2. Recently a vegan friend suggested that I could cure herpes 2 on a vegan diet. Funny thing is, a couple of years ago I was asked to cut out on milk by a nutritionist and I did. Of course I did not go full vegan but ever since an infant, I always thrived on milk. but i still say God bless Dr. SANDY for his marvelous work in my life, I and my friends was diagnosed of herpes 2 since 2015 and I was taking my medications, I wasn't satisfied i needed to get the HERPES out of my system, I searched about some possible cure for herpes 2, i saw a comment about Dr. SANDY how he cured HERPES with his herbal medicine, I contacted him and he guided me. I asked for solutions, he started the remedy for my health and my friends, he sent me the medicine through UPS SPEED POST. we took the medicine as prescribed by him and 14 days later we was cured from HERPES, and he told me he can cure this..and he told me he can cure some of this illness:::
1 Cancer herbal medicine
2 Hiv herbal medicine
3 Low sperm count
4 Barrenness
5 Hvp herbal medicine
6 Herpes herbal medicine
Dr. SANDY truly you are great, do you need his help also? Why don't you contact him through dr.sandyspelltemple@gmail.com dr.sandyspelltemple@hotmail.com dr.sandyspelltemple@yahoo.com OR call Whats App Number +2349031726182
https://www.facebook.com/Drsandy-SPELL-HOME-2-226270587825982/
God bless Dr. SANDY !!!!!

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DIRECTOR AMEIR MILLER LOAN FOUNDATION said...



HAPPY NEW YEAR 2018 TO YOU ALL OUR ESTEMMED CLIENTS FROM ALL OVER THE GLOBE !!!!

WE AT THE AMEIR MILLER LOAN AGENCY WISHES YOU A HAPPY NEW YEAR AND A PROSPEROUS 2018 .

DO YOU NEED AN URGENT LOAN FROM A LEGIT LOAN AGENCY WITH NO UPFRONT FEE FOR THIS NEW YEAR ?HAVE YOU BEEN SCAMMED BEFORE BY VARIOUS FAKE ONLINE LENDERS? DO YOU NEED A LENDER WITH THE FEAR OF GOD AND ACCURATE EXPERTISE TO HANDLE YOUR FINANCIAL WORRIES ? IF YES , YOUR ANSWER COMES NOW !


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Warm Regards,

Pastor Mrs Ameir Miller
Director of General Operations .

Anonymous said...

HAPPY NEW YEAR 2018 TO YOU ALL OUR ESTEMMED CLIENTS FROM ALL OVER THE GLOBE !!!!

WE AT THE AMEIR MILLER LOAN AGENCY WISHES YOU A HAPPY NEW YEAR AND A PROSPEROUS 2018 .

DO YOU NEED AN URGENT LOAN FROM A LEGIT LOAN AGENCY WITH NO UPFRONT FEE FOR THIS NEW YEAR ?HAVE YOU BEEN SCAMMED BEFORE BY VARIOUS FAKE ONLINE LENDERS? DO YOU NEED A LENDER WITH THE FEAR OF GOD AND ACCURATE EXPERTISE TO HANDLE YOUR FINANCIAL WORRIES ? IF YES , YOUR ANSWER COMES NOW !


This is the beggining of the new year of year and we have a special offer package for those whp are in dire need of monies to sort our their bills and immediate expenses for this new year as this package is specially designed at an affordable interest rate of %2.5 percent in order to favor all those who are looking to get an affordable but a guaranteed loan this season as we are transparent enough to finalize and grant this loan to you within 48 processing working hours from your application time .

We have various kinds of loan offer programs which ranges from Business loan service, . Agricultural product loans , Building loans, Developmental loans , .Health care loans , Debt consolidation loans , Bills clearance loans , General Business/Merchant loan,Military Personnel loan. ,Estate developmental loan.,Property loan. ,Educational loan.,Family loan , Personal loan Or Group loan ,Unsecured
loan .,Travelling / Mobility loan .,Ceremony loan.

You can reach us on the following contact information for further inquiries on our loan program , text our office at : +1 252-585-5014
, ameirmillerapprovedloans@usa.com , ameirmillerclassicloaninstitute@yahoo.com ,
theameirmillerloanorganisation@gmail.com , theameirmillerfinancialoffice@gmail.com
ameirmillerfinancialinstitute@gmail.com


Warm Regards,

Pastor Mrs Ameir Miller
Director of General Operations .

Anonymous said...




THANK YOU JESUS , THANK YOU MRS WINONA MILLARAY FOR MAKING MY FINANCIAL DREAMS COME THROUGH , GOD IS GOOD


Thank you Mrs Winona , Thank you Jesus , I know i am blessed .

I am Davidson Grey , Just last week , i sat down and thought about how i could get a genuine loan funds to sort out my debt and to also get my family prepared this new year, i thought about getting a loan online since i heard and have also read about too many people whose life got destroyed by online loan shark scammers from Africa . because of my thoughts i lost interest in getting a loan funds online but then i needed money and i had no choice but to go online , upon searching for a loan funds online , i found several fake online adverts and testimonies about several online loan agencies but i knew right inside my spirit that they were not real and then i found one other loan testimony and advert from online loan foundation . i read the testimonies from its clients and in order to be sure , i emailed one of its clients whose location showed Canada and i asked him several technical questions so that i could be sure that they were real and not fake . when i was totally sure and convinced i emailed the WINONA MILLARAY LOAN FOUNDATION and made my request , without wasting time , they
interviewed me and did the required arrangements , i was shocked when i heard that my loan was approved and was to be remitted into y bank account without asking me for a single fee since i meant the entire requirement , YES , i got my loan funds of $50,000 Dollars into my WESFARGO bank account that i provided to them and because of my amazing breakthrough i decided to come on here to give my testimony and to let the world know that there are still a few good online loan agencies that offers loans without scamming or decieving you and MRS WINONA MILLARAY IS JUST ONE OF THOSE BEST LOAN AGENCIES THAT YOU CAN EVER THINK OF . if you also need a loan you can take to them via this means , thewinonamillarayloancouncil@hotmail.com . mrswinonamillarayloancouncil@gmail.com

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Helen Donald said...

My husband and I have been trying to have a child for 6years, and the trying, fertility doctors, tests, hormone shots, and miscarriages had begun to be a stifling force to our marriage. My husband was ready to give up and I was emotionally exhausted. A friend simply mentioned a fertility spell as a joke one day (don't joke with a hormonal woman, first of all!) and I decided to look into it. Dr. Isi Lametu of www.ancientspiritualtemples.com and email address: ancientspiritualtemples@gmail.com agreed to take my case and help me to conceive with a fertility spell. Considering the cost of fertility treatments I had already gone through, the fee he requested to get the items neeeded seemed nominal and my hopes were extremely high. Dr. Isi Lametu understood and knew the devastation and conquered feeling that hopeful mothers with fertility issues were likely to go through, and I could feel his sincerity and his hope for me. We talked for few days back and forth, and we finally decided to go ahead. I continued to have conception on my mind, but I felt my anxiety release little by little. In my heart, I knew that it would work. After five weeks, I took a pregnancy test and it was positive! I wanted to wait to share my positive news but I was still scared, since I've repeatedly had miscarriages in my first trimester, but I am now seven months pregnant with a healthy baby girl. I'm glad that my friend made the joke thatb she did and I'm equally thrilled that my frantic hormonal brain took it seriously and I also say a BIG thank you to Dr. Isi of www.ancientspiritualtemples.com and email address: ancientspiritualtemples@gmail.com

Brooke May said...

Dr. Sam has really made me so much believe in him by getting me cured with his herbal treatment. i really appreciate you Dr.Sam for bringing back happiness to my life again. thanks you so much,friends join me to thank him for what he has actually done for me i pray to you all for a good life and good health, and most especially to you Dr. Sam THANKS.

I have been suffering from (HERPES SIMPLEX VIRUS) disease for the past four years and had constant pain, especially in my knees. During the first year,I had faith in God that i would be healed someday.This disease started circulating all over my body and i have been taking treatment from my doctor, few months ago i came on search on the internet if i could get any information concerning the cure of this disease, on my search i saw a testimony of someone who has been healed from (HERPES SIMPLEX VIRUS) by this Man Dr Sam and she drop the email address of this man and advise we should contact him for any sickness that he would be of help, so i wrote to Dr. Sam telling him about my (HERPES Virus) well after all the procedures and remedy given to me by this man few weeks later i started experiencing changes all over me. I am now here to testify that i am not longer a herpes patient, I have experience a total transformation in my life,for all herpes patients get your herbal medicine to cure your sickness. And there has being rapid improvement in my health, I no longer feel pains and I wake up each morning feeling revived. So friends my advise is if you have such sickness or any other at all,you can contact him. (Supremecurehome@gmail.com) Wbesite: http://www.supremecurehome.blogspot.com
CANCER
EPILEPSY.
GENPILENCIN.
HIV AIDS.
DIABETICS
STROKE.
EXPANDS OF PENIS BREAST
H.P.V TYPE 1 TYPE 2 TYPE 3 AND TYPE 4. TYPE 5.
HUMAN PAPAILOMA VIRUS.
HERPES.
SYPHILIS.
HEPATITIS A B and C.

Email: Supremecurehome@gmail.com WhatsApp number +2347087462033

Brooke May said...

Dr. Sam has really made me so much believe in him by getting me cured with his herbal treatment. i really appreciate you Dr.Sam for bringing back happiness to my life again. thanks you so much,friends join me to thank him for what he has actually done for me i pray to you all for a good life and good health, and most especially to you Dr. Sam THANKS.

I have been suffering from (HERPES SIMPLEX VIRUS) disease for the past four years and had constant pain, especially in my knees. During the first year,I had faith in God that i would be healed someday.This disease started circulating all over my body and i have been taking treatment from my doctor, few months ago i came on search on the internet if i could get any information concerning the cure of this disease, on my search i saw a testimony of someone who has been healed from (HERPES SIMPLEX VIRUS) by this Man Dr Sam and she drop the email address of this man and advise we should contact him for any sickness that he would be of help, so i wrote to Dr. Sam telling him about my (HERPES Virus) well after all the procedures and remedy given to me by this man few weeks later i started experiencing changes all over me. I am now here to testify that i am not longer a herpes patient, I have experience a total transformation in my life,for all herpes patients get your herbal medicine to cure your sickness. And there has being rapid improvement in my health, I no longer feel pains and I wake up each morning feeling revived. So friends my advise is if you have such sickness or any other at all,you can contact him. (Supremecurehome@gmail.com) Wbesite: http://www.supremecurehome.blogspot.com
CANCER
EPILEPSY.
GENPILENCIN.
HIV AIDS.
DIABETICS
STROKE.
EXPANDS OF PENIS BREAST
H.P.V TYPE 1 TYPE 2 TYPE 3 AND TYPE 4. TYPE 5.
HUMAN PAPAILOMA VIRUS.
HERPES.
SYPHILIS.
HEPATITIS A B and C.

Email: Supremecurehome@gmail.com WhatsApp number +2347087462033

Ashley said...



Am here to appreciate Dr.Zack Balo for using his herbal medicine to cure my Herpes virus. since 2016 now I have been living with this virus and it has been giving me challenges, I was so perplexed cause i have been taking several drugs to be cured but all of my effort was in vain,one evening i was browsing through the internet then i saw several testimonies about Dr.Zack Balo curing people from Herpes virus and immediately i contacted Dr.Zack Balo on his email address: wiseindividualspell@gmail.com, i told him about my sickness and he told me that i will be cured within 14 days, gave me some instructions and which i rightly followed. so he prepared a herbal medicine for me and sent it to me which i used for 2 weeks and everything was like a dream to me and my Herpes virus was totally gone, why don't you contact him today and be free from your diseases because he is very good and honest Doctor. contact him via email address;wiseindividualspell@gmail.com or call or text him on his phone number +13203967742.

James pickford said...

I was able to get rid of my herpes virus last year,i was diagnosed of herpes virus since late 2015 and i was on my doctor prescription ever since, I wasn't satisfied i needed to get the virus out of my system,i was going through a blog to find new informations about the Herpes Simplex Virus i came across a review of a lady who was cured by Totalcureherbalfoundation@gmail.com,I contacted the herbal foundation and they guided me on how to purchase the herbal formula.the herbal products las me for 14 weeks which helps me to get rid of the virus totally.
https://totalcureherbalfou5.wixsite.com/herbal/contact

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Anonymous said...

I was diagnosed of Herpes 2 in in late June 2016, my family doctor said that the virus had no cure, i was given some vaccines which i used for months but didn’t help my situations. This continued till a friend of mine Roosevelt Fletcher told me about Dr. Osojo who cured his brother from genital herpes. I contacted this herbal doctor and asked for his help and he sent me the herbal medicine through courier service, i received it and applied it for 3 weeks as prescribed and i was totally cured of herpes within 17-20 days of usage. You can also contact this herbal doctor via email: dr.osojoherbalcureofalldisease@gmail.com or call him on +2348100663964 and website: http://drosojo.blogspot.com

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Sonia Wilfred said...

If you need a loan do contact the best loan lender of all time Gilbert Aburimen on company email: (gilbertaburimenworldloans@yahoo.com)

Hello everyone, i am Sonia Wilfred, from Houston Texas, Usa. I am so glad coming back to this great forum to testify about the help i received from Gilbert Aburimen. I was in desperate need of a loan in other to be free from debt and financial bondage that was place on me by some fake loan lenders i found on the internet. It was really bad that i have to seek for help from Friends,family and even my bank but no one could assist me because my credit score was really bad. So i was browsing with my computer and saw some testimonies from people Gilbert Aburimen assisted with a loan, then i decided to contact him on his email (gilbertaburimenworldloans@yahoo.com), then i received a mail from them with the company instructions and i did all that was asked from me. To my greatest surprise they transferred to my account the complete loan i requested and now i am so happy clearing all my debts and have also started a business to take care of myself and family. I know there are still many good lenders but i would advise you out there looking for urgent reliable loan lender to contact Gilbert Aburimen World Loans Financial Services, his caring and understanding. don't know if you are in need of an urgent loan also or want funding for your projects, So feel free to contact Gilbert Aburimen World Loans Financial Services today. his email address is ( gilbertaburimenworldloans@yahoo.com )

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Here comes an Affordable and Legit Loan that will change your life for ever, I am Dr. Bentley Grants a certified loan lender, I offer loan to individual and public sector that are in need of financial Assistance in a low interest rate of 2%. Bad credit acceptable,The Terms and Conditions are very simple and considerate.You will never regret anything in this loan transaction because i will make you smile. Email: (dr.bentleygrantsloans@gmail.com) Website: http://quicktloans.com/home/contact-us/index.html Phone: +1 (940)226-3822 have you been looking for a quick and legit loan online why don't you try Guaranty Trust loan company and be free from debts note getting
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Do you find yourself in a bit of trouble with unpaid bills and don't know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Guaranty Trust Loan Home is the answer. Reduce your payments to ease the strain on your monthly expenses. Email(dr.bentleygrantsloans@gmail.com) Website: http://quicktloans.com/home/contact-us/index.html Phone: +1 (940)226-3822

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Donald taylor said...

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jeff Kennedy said...

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Hargis Tenney said...

I want to use this medium to tell the world about DOCTOR MOMODU who helped me in getting my lover back with his powerful spell, my ex and i where having misunderstanding which led to our breakup though i went to beg her several times to please forgive and accept me back because i know i offended her but each time i went i away feel more deeply in pain and agony because she away walk out on me and would not want to listen to what i have to tell but on i faithful day as i was browsing i came arose a testimony of a woman whose problem was more than mine and yet DOCTOR MOMODU helped her with his spell so i was happy and also contacted DOCTOR MOMODU for help via email drmomoduspelltemple @ hotmail.com and then told him my story but the only thing he said was that i will wipe you tear with my spell so lucky for me everything want well just as he promised and right now i have got my fiance back and we are both living happily. there is nothing DOCTOR MOMODU can not do with is spell and just as promise my self i will keep testifying on the internet of how DOCTOR MOMODU helped me. Are your problem greater that mine or less i give you 100% guarantee that DOCTOR MOMODU will put an end to it with his powerful spell, contact DOCTOR MOMODU for help Via email [drmomoduspelltemple @ hotmail.com or drmomoduspelltemple @ yahool. com] his telephone number is +1(731) 472-1887

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Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Mr. Russell Logan Loan Home is the answer. Reduce your payments to ease the strain on your monthly expenses. Email (russellloganloanhome@gmail.com) Phone: +1(704) 489-3977

DO YOU NEED 100% FINANCE? we give out loans with an affordable interest rate of 2%
RUSSELL LOGAN LOAN HOME, (russellloganloanhome@gmail.com) Phone: +1(704)489-3977 aims is to provide Excellent Professional Financial Services.

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* Personal Loans
*Business Start up loans
* Debt consolidation loans
* Car Loans
* Hotels Loans
* Education Loans
* Mortgage
*Refinancing Loans
* Home Loans

We give you loan with a low interest rate of 2% and loan duration of 1 to 30 years to pay back the loan (secure and unsecured). Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up, which is why you must contact us quickly for a solution to your financial problems. It will be a great joy to us when you are financially stable. Email (russellloganloanhome@gmail.com) Phone: +1(704)489-3977

NOTE:Bear in mind that it will only take less than 24 Hours to process your file is 100% Guaranteed no matter your Credit Score.

Yours Sincerely,
Mr. Russell Logan
+1 (704) 489-3977
We are certified and your privacy is 100% safe with us. Worry no more about your financial problems.


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*Monthly Income:__________

*Occupation__________

*Next of kin :_________

*Email :_________

Russell Logan said...

DO YOU NEED AN AFFORDABLE LOAN TODAY?

We have provided over $1 Billion in business loans to over 15,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 24 hours of successful application. We offer loans from a minimum range of $5,000 to a maximum of $500 million.

Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Mr. Russell Logan Loan Home is the answer. Reduce your payments to ease the strain on your monthly expenses. Email (russellloganloanhome@gmail.com) Phone: +1 (704) 885-6355

DO YOU NEED 100% FINANCE? we give out loans with an affordable interest rate of 2%
RUSSELL LOGAN LOAN HOME, (russellloganloanhome@gmail.com) Phone: +1 (704) 885-6355 aims is to provide Excellent Professional Financial Services.

Our services include the following:

*Truck Loans
* Personal Loans
*Business Start up loans
* Debt consolidation loans
* Car Loans
* Hotels Loans
* Education Loans
* Mortgage
*Refinancing Loans
* Home Loans

We give you loan with a low interest rate of 2% and loan duration of 1 to 30 years to pay back the loan (secure and unsecured). Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up, which is why you must contact us quickly for a solution to your financial problems. It will be a great joy to us when you are financially stable. Email (russellloganloanhome@gmail.com) Phone: +1 (704) 885-6355

NOTE:Bear in mind that it will only take less than 24 Hours to process your file is 100% Guaranteed no matter your Credit Score.

Yours Sincerely,
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+1 (704) 885-6355
We are certified and your privacy is 100% safe with us. Worry no more about your financial problems.


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sally jokia said...

Am really grateful and thankful for what Dr. Ozman has done for me and my family. i have be suffering from HERPES for good three years with no solution, the diseases almost took my life and because I was unable to work and I was also loosing lots of money for medication, but one faithful day when I went online, I met lots of testimonies about this great man so I decided to give it a try and to God be the glory he did it. If you need his help or you also want to get cured just the way I got mine, just email him : dr.ozmanspellhome@gmail.com or Whatsapp ;+2349061515609 or as well call +2349061515609 and get your healing. He has cure for other deadly diseases like Herpes, Hiv, Hepatitis,ALS.
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Mark Roland said...

Good day to all viewer online.

Are you looking for financial freedom,contacting the right company for legitimate loan lender have always been a huge problem to clients who have financial problem and in need of solution to it at an affordable interest rate?have you been turned down constantly by other banks and other financial institutions? contact pacoloancompany@gmail.com Mr Mark Roland Paco Financial Corporation Inc, We offer loans ranging from ($5,000.000.00.$ˆ£ To 100,000,000 $ˆ£ Or It\'s equivalent In Euro & USD, Pounds). At 3.% interest rate.Loans for developing business a competitive edge/Business expansion. We are certified, trustworthy, reliable, efficient, fast and dynamic. And a Co-operate Financier For Real Estate And Any Kinds Of Business Financing, Contact us today by Email: pacoloancompany@gmail.com or Contact Call/Text +1 (419) 718-1467

Cristina Mihaela said...

Good Day Everyone.

Am here to share my testimony what a Good trusted lady did for me. My name is Cristina Mihaela am from Denmark and I'm a mother of 4 kids and i lost my husband last year November 8th and things where very hard for me and my children so when I was online to seek for a loan and i fall in the hands of scam, i was scam over $17,000.00 dollars, all my Husband access where taken away from us by his brothers, all my hope was lost and i and my kids where sleeping in the street on till one faithful day when i met this friend of my who introduced me to this honest company who helped me get a loan in next 24 hours without any Daley, i will forever be grateful to MRS SUSAN JAMES LOAN COMPANY. You can contact her through Whats-app Number:+1(587)206-1157 or via the company email: (susanjamesloanfirml07@gmail.com or susanjamesloanfirml07@outlook.com) she did not know am doing this for her,but i just have to do it because a lot of people are out there who are in need off a loan. You can also Contact the company Website: https://susanjamesloanfirm.wixsite.com/loan-officer

Rebecca Loda Fortner said...

How A Legitimate Lender Helped Me

A very good day to you out there, my name is Rebecca Loda Fortner from Lake Jackson Texas, United States, Have you been looking for a loan? Do you need an urgent personal or business loan? Contact Mr James Richard Dyson of Jennard Investments Limited with Contact number +1(484)292-4513. He help me with a loan amount of $72,000.00, after been robbed of about $7,500 by a woman claiming to be a legitimate loan lender but today I am thankful to God for helping me meet this legitimate lender Mr James Richard Dyson who has brought back happiness into my life. To everyone out there in need of financial assistance kindly contact this company via email: jennardinvestmentslimited@outlook.com He is trustworthy and reliable.

Larry John said...

I'm Evelyn Russell resident at 808 NE 19th St Oklahoma City, I am a single mother blessed with 2 daughters. For a while now I have been searching for a genuine loan lender who could help me with a loan as I no longer have a job, all I got were hoodlums who made me trust them and at the end they took my money without giving me any loan, my hope was lost, I got confused and frustrated, it became difficult for my family to feed with a good meal, I never wanted to have anything to do with any loan lending companies on the internet again. Not until I met a God sent loan lender that changed my life and that of my family Through the help of a fellowship member "a lender with the fear of God in him Mr Larry John , he was the man that God sent to elevate my family from suffering. At first I thought it wasn’t going to be possible due to my previous experience until I received my loan worth $225,000.00 USD in less then 24hours. So my advise to anyone out there genuinely in need of a loan is to contact Him through this official email:- (larryjohncapitalinvestment@gmail.com ) . Thanks and God bless

Tina Dellary said...


I am so Happy to be writing this article in here, i am here to explore blogs forum about the wonderful and most safe cure for GENITAL HERPES VIRUS . I was positive to the deadly Virus called HERPES and i lost hope completely because i was rejected even by my closet friends. i searched online to know and inquire about cure for HERPES and i saw testimoney about Dr PETER online on how he cured so many persons from Herpes Disease so i decided to contact the great herbalist because i know that nature has the power to heal everything. i contacted him to know how he can help me and he told me never to worry that he will help me with the natural herbs from God! after 3 days of contacting him, he told me that the cure has been ready and he sent it to me via UPS office, and it got to me after 5 days! i used the medicine as he instructed me (MORNING and EVENING) and i was cured! its really like a dream but i'm so happy! that's the reason i decided to also add more comment of Him so that more people can be saved just like me! and if you need his help,contact his Email: (ayokospellcaster@gmail.com) You can contact him today VIA WHATSAPP +2348132537313
He also have the herb to cure difference cure for any sickness .

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Lisa Miles said...

Are you sick? Have you been battling with strange and funny illnesses? Are you in a situation whereby the doctors have done necessary tests and said there isn’t anything wrong with you? ... These were all my stories until I met with a total cure for them all... His name is Dr. Ose says my mom... I was almost at the point of death. It was that serious that I was just placed on life support even as the doctors didn't know what was wrong with me. My mom just came to my hospital bed one morning and said she had found a solution to all of my sufferings (because that was what I referred to the situation I was in then)... She said she was going through the internet and she came across some testimonies of how some people who had similar cases as mine were all cured off their illnesses through the power of this voodoo man. Without hesitation, I told her to contact the man, Which she did and she went on with the procedures as instructed her by this voodoo man (these procedures, I wasn't aware of because I was in a really bad shape then, And whenever I asked my mom she would say I shouldn't bother myself about that...that it was something she could handle). Not to bore you readers with too much of my story, in seven days from that day my mom told me about the voodoo man, I was cured off this killer disease that was at the verge of taking my life. Want to share your testimony like me? Contact the voodoo man on his direct email address. droseherbalcenter@gmail.com (his mobile or whataspp number is +393512872745... I AM NOW A HAPPY AND HEALTHY YOUNG Lady ONCE AGAIN...THANKS TO DR Ose
he is also specialize on curing the following:
HIV AIDS
Herpes Cure
Lassa fever
HPV
ALS
BED WETTING

Lisa Miles
From USA

Russell Logan said...

DO YOU NEED AN AFFORDABLE LOAN TODAY?

We have provided over $1 Billion in business loans to over 15,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 24 hours of successful application. We offer loans from a minimum range of $5,000 to a maximum of $500 million.

Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Mr. Russell Logan Loan Home is the answer. Reduce your payments to ease the strain on your monthly expenses. Email (russellloganloanhome@gmail.com) Phone: +1 (704) 885-6355

DO YOU NEED 100% FINANCE? we give out loans with an affordable interest rate of 2%
RUSSELL LOGAN LOAN HOME, (russellloganloanhome@gmail.com) Phone: +1 (704) 885-6355 aims is to provide Excellent Professional Financial Services.

Our services include the following:

*Truck Loans
* Personal Loans
*Business Start up loans
* Debt consolidation loans
* Car Loans
* Hotels Loans
* Education Loans
* Mortgage
*Refinancing Loans
* Home Loans

We give you loan with a low interest rate of 2% and loan duration of 1 to 30 years to pay back the loan (secure and unsecured). Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up, which is why you must contact us quickly for a solution to your financial problems. It will be a great joy to us when you are financially stable. Email (russellloganloanhome@gmail.com) Phone: +1 (704) 885-6355

NOTE:Bear in mind that it will only take less than 24 Hours to process your file is 100% Guaranteed no matter your Credit Score.

Yours Sincerely,
Mr. Russell Logan
+1 (704) 885-6355
We are certified and your privacy is 100% safe with us. Worry no more about your financial problems.


Get your instant loan approval

Anonymous said...

I am on FMLA (12 wks job security) and STD (50% average pay for 12 wks). STD is set at 6mo. While this is not work comp (although I did file a security report which was for a work-related injury and haven't been contacted about it...), I sought out my own treatment elsewhere for mold toxicity from my workplace (which is being investigated by OSHA/NIOSH/and the city code enforcement). Hopefully the proper remediation will be enforced and it will be a safe environment for me to return to long enough to give proper notice (I no longer wish to work for this company after 17 years bc it has made me literally sick from the neglect and covering up of the mold for so long instead of addressing it). I had to use the 4 sick days and 1 vacation day that were needed to supplement for getting 20 hrs a week pay while on FMLA and STD for 12 wks before I was able to get the forms submitted... My question is if I DON'T ask for those to be credited back into supplementation from the retroactive start date of my STD (which started on the 1st day of taking those days), will I have to repay those benefits should I not return?? If the work environment is not safe I cannot return, but even if it is, I no longer want to work there. So how/when do I quit so I don't lose benefits or owe anything? And when can I get a new job while receiving benefits when my limitations are only specific to those conditions affecting my health from mold exposure at my "current" job?

Unknown said...

How I was able to pay my bills and restored my dying business.

My name is Carole Landon from San Francisco, California. I am here to bring to your notice and recommend you all currently in need of financial assistance to contact Jennard Investments Limited with Contact number: +1(484)292-4513, for a loan assistance. I was in great need of $72,000.00 loan amount to restore my dying business and also to pay up my bills, I contacted the for a loan assistance and I receive my loan successfully, without any delay after going through their loan process. through the help of Mr James Richard Dyson To everyone out there in need of any kind of loan i advise you contact then via email: jennardinvestmentslimited@outlook.com Thanks.

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Sandral Daniela said...

I am Penelope from Texas. I was stuck in a financial situation in May 2016 and i needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit. But as God would have it, I was introduced to a Godly woman a private loan lender who gave me a loan of 620,000 EURO and today am a business owner and my kids are doing well at the moment, if you must contact any firm with reference to securing a loan without collateral , no credit check, no co signer with just 3% interest rate and better repayment plans and schedule, please contact norton loan firm finance Company (nortonloanfirmfinance@gmail.com).

Sandral Daniela said...

I am Penelope from Texas. I was stuck in a financial situation in May 2016 and i needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit. But as God would have it, I was introduced to a Godly woman a private loan lender who gave me a loan of 620,000 EURO and today am a business owner and my kids are doing well at the moment, if you must contact any firm with reference to securing a loan without collateral , no credit check, no co signer with just 3% interest rate and better repayment plans and schedule, please contact norton loan firm finance Company (nortonloanfirmfinance@gmail.com).

Mr Mopix said...


Has a guy ever given you mixed signals?

One minute he’s crazy about you and the next minute you have no clue if he ever wants to see you again?

And it’s especially hard when there’s something special between you and you have no idea what went wrong.

I assure you it’s nothing that you did.

In fact, he may even care about you a great deal and still not be able to stop himself from acting this way.

But why does this happen?

There’s one BIG reason why men do this...

And I discovered this eye opening video that will shed some light on this bizarre behaviour.

Discover it here: ==> [ Why he does the bare minimum (and what to do about it) ]

It all comes down to a missing “secret ingredient” that not one in a thousand women knows about...

And it’s the biggest factor that determines whether a man just “likes” you...

...or if he sees you as “The One.”

You see, this “secret ingredient” is so important to a man that no matter how attracted to you he is, or how strong your chemistry is...

If it’s missing, he’ll never be able to truly give his heart to you...

And he will always have an unshakeable urge to seek out a woman who has this one “secret ingredient.”

Discover it here: ==> [If he’s shutting you out, here’s what’s missing... ]

On the other hand, when you know this powerful “secret ingredient”...

...you won’t believe how effortless, passionate and bulletproof your relationship can be.

Trust me, this is going to blow you away.

Discover it here: ==> [ The difference between “like” and “love” (most women miss this) ]

[Sign off]

World Best Loan Offer said...

Hello...

Dear Applicant, I am Mr.Favour Melody World Best Loan Offer Company LTD.. We are an international loan firm. It a financial opportunity at your door step We provide Business and personal loans etc. as long as it concerns financial assistance..We are certified, trustworthy, reliable, efficient, fast and dynamic. And a Co-operate Financier For Real Estate And Any Kinds Of Business Financing Apply today and you will get a loan from us..

Apply Now for your very low interest rate of 2% loan!

* We offer loan in EURO AND DOLLAR
* Borrow between 5000USD to 90,000,000.00USD
* Choose between 1 to 30 years to repay.
* Flexible loan terms and conditions.
* It a world of happiness with us bring back those joy of yours by applying for a loan with us today...

All these plans and more, contact us now by email for more info.. ( favourworldbest990@outlook.com ) OR SMS US NOW +1518 621 2700

Email us now: favourworldbest990@outlook.com
Call/Sms: +1518 621 2700

Giving your world a meaning.

Regards.

World Best Loan Company Offer..

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Mirian brian said...

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Mirian brian said...

Cheating is something that is very, very hard to deal with in a relationship, but if you're looking for ways to win your partner's heart back after separation Pls contact dr_mack@yahoo.com, he restored my relationship and mine is perfect now

Seth Smith said...

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Online Pregnancy Tip E-mail: templeofanswer@hotmail.co.uk said...


I am VERY happy!Dr.Obodo I just wanted to let you know that i got the Pregnancy test done and I got my results back today they are Positive yeh!!! I just wanted to say a huge thanks for you Dr for the spell and all your support ‘I am so happy’ I cried all the way home in absolute relief.for recommentation visit Dr Obodo Email; templeofanswer@hotmail.co.uk

Solution Palace said...

I really appreciate the Great Prophet for making me bear a child after 15 years of my marriage, i taught all hope was lost and my husband's family hated me because of not being able to get them a grandchild. Thanks to the Great Prophet for making me happy again. You can contact him on Email ; @ p a l a c e o f s o l u t i o n s @ g m a i l . c o m or WhatsApp @ +2348122910573 He can be of great help and I will not stop publishing him because he is a wonderful man?

Credit Loan said...


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Silvia Mcheown said...

How I Got A Loan After Much Struggle

I am Silvia Mcheown residing in Saint Paul, Minnesota. I have been struggling financially for a while now and wasn't able to get a loan from my bank and other credit union I applied with due to my credit score. But a friend of mine told me about Kendrick Investments Limited and how she was helped by Mr Christopher Kendrick with a loan. At first I doubted her because I have tried a lots of lenders who could not help me out due to poor credit. She advised I give a try to be convinced, so I contacted them via email: kendrickinvestmentslimited@outlook.com and after going through the loan process they granted me a loan amount of $42,000 as applied on the 2nd of August 2018. I want to reach out to everyone out there in need of financial assistance kindly contact this company for your loan assistance.

Unknown said...

How I got a loan as a single mother

My name is Lesley Clack, from Winnetka California, a single mother blessed with 2 sons, I have been searching for a genuine loan lender who could help me with a loan as I no longer have a job, all I got were hoodlums who made me trust them and at the end they took my money without giving me any loan, my hope was lost, I got confused and frustrated, it became difficult for my family to feed with a good meal, I never wanted to have anything to do with any loan lending company on the internet again. but until I met a God sent that changed my life and that of my family Through the help of a fellowship member a lender with the fear of God in him, Mr Christopher Kendrick of KENDRICK INVESTMENTS LIMITED, with contact number +1(386)202-2899. He was the man God sent to elevate my family from suffering. At first I thought it wouldn't be possible due to my previous experience until I received my loan amount of $63,000USD a couple of days ago on the 15th/August/2018. My advise to anyone out there in need of a genuine loan is to contact Mr Christopher Kendrick through his official email:- KENDRICKINVESTMENTSLIMITED@OUTLOOK.COM All thanks to him and to GOD for leading me into meeting him. God bless you.

elena homson said...

I GOT CURED FROM HERPES

Elena homson is my name,i am from USA. I was infected with HERPES in 2014, i went to several hospitals for cure but there was no solution, I was thinking how I can get a solution to enable me live a normal life again. I was in the PARK thinking on how i can find the cure because the pain was too much to handle i always feel embarrass every day.i was sitting alone lamenting in tears when my friend walked to me her name is Monica asking me why i am crying, i open up to her telling her my problem,that i have herpes genital and i also narrate how it started. she told me not to worry that she can help me out, she introduce me to a Dr omole who uses herbal medicine to cure me from HERPES. i exchange my contact with Monica when i got home i receive a call from her that she has contacted Dr omole on my behalf and she also send Dr omole contact, so i email Dr omole and explain to him about my herpes . He told her that he can cure my herpes in couple of weeks and he told her all the things I need to do. After 4 days he send the herbal medicine to me and also give me instructions how to take the medication which I did and i followed his instruction properly. Before I knew what is happening after few weeks i got cured from herpes totally and all the blister and itching was gone. i decide to share this story because i believe a lot of people are passing through the same stress and they have it in mind that there's no cure for herpes.i am telling each and everyone who's reading my testimony that there's cure for herpes. if you have the faith try and use Dr omole herbal medicine, i promise you after couple of weeks you will also share a marvelous testimony like me.if you are you are having herpes or any kind of disease kindly mail doctor omole for your own cure via doctoromoleherbalhome@gmail.com

Jerry Eric said...

Dr Ben herbal medication that cure Herpes and HPV For any help whatsApp him on +2347064294395

its a pleure for me to write this testimony about this wonderful thing that happened to me last month on how i got cured from Herpes i have been reading so-many post of some people who were cured of Herpes, but i never believed them, I was hurt and depressed so I was too curious and wanted to try Dr Ben then i contacted him on his email when i contact him, i never thought possible that Dr Ben can Really cure herpes i never really believed in Herbal medication but I played along with a little hope and faith and after everything but Dr Ben changed my life and made me a true believer and today i am living haply with my wife and kid you can contact him to get your herpes medication and live healthy again on

Benherbalcure@gmail.com
https://benherbalcure.webs.com/
WhatsApp +2347064294395

WAYNE CHARLOTTE said...

BREAKING NEWS: USD Currency Collapse

China Causes The USD To Fall?

USD Dollar Drops 50% In Value Overnight?

Hey there

I don’t know you have heard this yet…

But the USD Dollar is on the verge of collapse.

In fact since 1973 it’s been on a downward trend…

Dollar-Index-Past-Forty-Years

USD national debt is at an all time high and now financial experts are saying that China is starting to sell their debt holdings to the secondary market.

This means it won’t be too long until the USD crumbles in value!

>>Watch This Video To Learn More<<

I don’t want to be the bringer of bad news, but this is seriously not good for the US since we already have domestic problems of our own, such as immigration and unemployment.

Our economy can not withstand another hit.

This time the USD might actually collapse.

>>Watch This Video To Learn More<<

Make sure you watch it before it’s taken offline.

Speak soon.

[Mr Mark Fidelman]

leadingmandate said...

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Unknown said...

How I paid my tax/mortgage and hospital bills

God bless you all reading this! My name is Sophie Carty from Lexington, South Carolina. I am so happy and thankful to Jannard Investments Limited for helping me out with a loan amount of $53,000 on the 29th Day of August 2018 to pay my tax/mortgage and hospital bills, through the help of Mr James Richard Dyson, with Contact number: +1 484-292-4513. He saved me from being homeless and living in the streets. This message might be of help to you out there in need of a genuine loan in other for you not to fall into the wrong hands in search of a liable loan, I'll advice you contact this company today and get your loan via email: jennardinvestmentslimited@outlook.com. They are reliable and trustworthy.

Unknown said...

How I paid my tax/mortgage and hospital bills

God bless you all reading this! My name is Sophie Carty from Lexington, South Carolina. I am so happy and thankful to Jannard Investments Limited for helping me out with a loan amount of $53,000 on the 29th Day of August 2018 to pay my tax/mortgage and hospital bills, through the help of Mr James Richard Dyson, with Contact number: +1 484-292-4513. He saved me from being homeless and living in the streets. This message might be of help to you out there in need of a genuine loan in other for you not to fall into the wrong hands in search of a liable loan, I'll advice you contact this company today and get your loan via email: jennardinvestmentslimited@outlook.com. They are reliable and trustworthy.

helen panel said...

Finally got my hands on my own BLANK ATM card via davidbejaminltd@outlook.com. I have been deceived into sending money to various companies without getting any card until i came in contact with David Benjamin. My card was delivered to my address in less than 4 days after i placed an order and meant the necessary requirement this company is reliable and true to their word i recommend davidbenjaminltd@outlook.com if you are in need of the programmed atm card with over $50,000 cash loaded on it with a daily withdrawal

Jennard Investments Limited said...

Affordable Loan Offer

Compliment of the day everyone! Getting a legitimate loan have always been a major problem to reputable applicants who are in great need of a loan, who has financial difficulties and problems and needs lasting solution to it. On our loan program there is no collateral non social security required and no credit check, 100% surety guarantee at a 3% interest rate. Contact Jennard Investments Limited today and put an end to your financial problems on email address: JENNARDINVESTMENTSLIMITED@OUTLOOK.COM and contact number +1(484) 292-4513. We are certified and your privacy is 100% safe with us. Contact us today and worry no more about financial problems.

Jennard Investments Limited said...

Affordable Loan Offer

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Dr Purva Pius said...

Hello Everybody,
My name is Mrs Sharon Sim. I live in Singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of $250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of $250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact Dr Purva Pius,via email:(urgentloan22@gmail.com) Thank you.

Francisco Investors said...



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WE OFFER ALL TYPES OF LOANS.Business Loans, Personal Loans, Debt consolidation Loans, Student Loans, Construction Loans, Car Loans, Real Estate Loans, Hotel Loans, Home Loans, Refinancing Loans, Farm Loans and Many more via contacts Call/Text +1(702)536-4324 franciscojinvestments@gmail.com

Dr Ogudugu Solution Temple said...

Get your lover back urgent effective love spell to win and get ex boyfriend back my advise reveal you all to contact Dr Ogudugu for a genuine love spell on greatogudugu@gmail.com that work fast. here is my relationship story, i'm MaryJane born in Williamsburg,Virginia Usa..my boyfriend told me it was over and walk away without any reasons, I was confuse and didn't know what to do. I was desperate, I want him back, I went over the internet looking for ways to get my boyfriend back. I read about many different ways of how to get ex back, but Dr Ogudugu caught my attention. I immediately contacted him and explained my problem to him. It was amazing and surprising that 11hrs after the urgent love spell was cast, my boyfriend called me and was begging me to forgive him and accept him back, Couldn't believe, but later after he came to my house and fell on his knees asking me to take him back am so happy that my love is back again. I am testifying on this forum just to let people know that Dr Ogudugu is real and genuine. don't hesitate to try him out. thank you Dr Ogudugu you are truly talented and gifted genuine spell caster. Contact him now if you need your girlfriend/boyfriend back or your girlfriend moved on to another man, do not cry anymore .. Dr Ogudugu is here to help out in relationship problem coz problem share is problem solve:
Email him at.... greatogudugu@gmail.com
whatsapp...+27663492930

CLOUDS said...

I live in United States, help me thank DR. covenant who helped cured me from HERPES SIMPLEX in just one (1) week. I got to know him from a friend who he helped, at first I doubt if his herbal
product would work until my friend put her car at stake that if it doesn't work she would give me her car. After which I decided to try, to God be the glory am now a living testimony, all thanks to DR. covenant, if not for him I would
not have been healed so easily.. You can reach him via covenantsolutiontemple@gmail.com or call/whatsapp at +2349057353987, you can also contact him on cure on......
1. GONORREA
2. SYPHILIS
3. ASTHMA
4. STROKE
5. DIABETES MELLITUS
6. SIMPLEX HERPES
7. RINGING EAR
8.LOW SPERM COUNT
9.SICKLE CELL
10.HIV/AIDS
11.CANCER
12.hepatitis
13.STAPHYLOCOCCUS

Anonymous said...

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CLOUDS said...

I live in United States, help me thank DR. covenant who helped cured me from HERPES SIMPLEX in just one (1) week. I got to know him from a friend who he helped, at first I doubt if his herbal
product would work until my friend put her car at stake that if it doesn't work she would give me her car. After which I decided to try, to God be the glory am now a living testimony, all thanks to DR. covenant, if not for him I would
not have been healed so easily.. You can reach him via covenantsolutiontemple@gmail.com or call/whatsapp at +2349057353987, you can also contact him on cure on......
1. GONORREA
2. SYPHILIS
3. ASTHMA
4. STROKE
5. DIABETES MELLITUS
6. SIMPLEX HERPES
7. RINGING EAR
8.LOW SPERM COUNT
9.SICKLE CELL
10.HIV/AIDS
11.CANCER
12.hepatitis
13.STAPHYLOCOCCUS

Lauri Investors said...



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We are a financial consultants that handles international finances for any amount of banking instruments. We have the access/contacts to raise from $10 thousand to $800 Million Dollars, With our company (LAURI INVESTMENTS INC) and other top prime investors/business tycoon association of great business people and help all people of good character to get a loan quickly and safely for the realization of projects. we can help you 100% guarantee of a loan, with a low interest rate of 2% and loan duration of 1 to 40 years to pay back the loan secure and unsecured. we offer all types of loan E.G Business Loans, Personal Loans, Debt consolidation Loans, Student Loans, Construction Loans, Car Loans, Real Estate Loans, Hotel Loans, Home Loans, Refinancing Loans, Farm Loans and many more contact us via Call/Text +1(603)503-4063 Email laurijohaninvestors@gmail.com

We have provided over $1 Billion in business loans to over 17,000 business owners just like you. we use our own designated risk technology to provide you with the right business loan so you can grow your business. our services are fast and reliable, We are out here to help the less financial privileges get the loan they need to get back on their feet no matter your credit score. you can say goodbye to all your financial crisis and difficulties. no stress no tension, apply free feel and relax to receive your loan,there is more to gain by getting a loan from this company. your victory is 100% guaranteeare, Do you find yourself in a bit of trouble with unpaid bills and don't know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Dr.Lauri Johan investments Loans is the answer. Reduce your payments to ease the strain on your monthly expenses via contact (laurijohaninvestors@gmail.com)

Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved. Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up, which is why you must contact us quickly for a solution to your financial problems. It will be a great joy to us when you are financially stable Call/Text +1(603)503-4063 Email laurijohaninvestors@gmail.com

Best Regards
Dr. Lauri Johan
Call/Text +1(603)503-4063
Email: laurijohaninvestors@gmail.com


Ryan Grants said...

DO YOU NEED AN AFFORDABLE LOAN TODAY?

We have provided over $1 Billion in business loans to over 27,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 24 hours of successful application. We offer loans from a minimum range of $5,000 to a maximum of $500 million.

Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Dr. Ryan Grants Loan Home is the answer. Reduce your payments to ease the strain on your monthly expenses. Email (ryangrantsloanhome@gmail.com) Phone: +1 (504) 587-1780

DO YOU NEED 100% FINANCE? we give out loans with an affordable interest rate of 2% RYAN GRANTS LOAN HOME, (ryangrantsloanhome@gmail.com) Phone: +1 (504) 587-1780 aims is to provide Excellent Professional Financial Services.

Our services include the following:

* Farm Loans
* Truck Loans
* Personal Loans
* Business Start up loans
* Debt consolidation loans
* Car Loans
* Hotels Loans
* Education Loans
* Mortgage
* Refinancing Loans
* Home Loans

We give you loan with a low interest rate of 2% and loan duration of 1 to 30 years to pay back the loan (secure and unsecured). Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up, which is why you must contact us quickly for a solution to your financial problems. It will be a great joy to us when you are financially stable. Email (ryangrantsloanhome@gmail.com) Phone: +1 (504) 587-1780

NOTE:Bear in mind that it will only take less than 24 Hours to process your file is 100% Guaranteed no matter your Credit Score.

Yours Sincerely,
Dr. Ryan Grants
+1 (504) 587-1780
We are certified and your privacy is 100% safe with us. Worry no more about your financial problems.


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Anonymous said...

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Unknown said...

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Sara M said...

I felt my life was over and my kids thought they would never see their father again. i tried to be strong just for the kids but i could not control the pains that torments my heart, my heart was filled with sorrows and pains because i was really in love with my husband. Every day and night i think of him and always wish he would come back to me. I was really upset and i needed help, so i searched for help online and I came across a website: https://manifestspellcast.wordpress.com that suggested that Dr.Todd can help get ex back fast. So, I felt I should give him a try.
I contacted him and he told me what to do and i did it then he did a (Love spell) for me. 3 weeks later, my husband really called me and told me that he miss me and the kids so much, So Amazing!! So that was how he came back that same day, with lots of love and joy, and he apologized for his mistake, and for the pain he caused me and the kids. Then from that day, our Marriage was now stronger than how it were before. All thanks to this great man. He is so powerful and i decided to share my story on the internet that Dr. Todd is real and a powerful spell caster, if you are here and you need your Ex back or your husband moved to another woman, do not cry anymore,
contact this powerful spell caster now, contact him via:manifestspellcast@gmail.com
http://manifestspellcast.blogspot.com call/text: +1 (830) 239 0730

Sara M said...

I felt my life was over and my kids thought they would never see their father again. i tried to be strong just for the kids but i could not control the pains that torments my heart, my heart was filled with sorrows and pains because i was really in love with my husband. Every day and night i think of him and always wish he would come back to me. I was really upset and i needed help, so i searched for help online and I came across a website: https://manifestspellcast.wordpress.com that suggested that Dr.Todd can help get ex back fast. So, I felt I should give him a try.
I contacted him and he told me what to do and i did it then he did a (Love spell) for me. 3 weeks later, my husband really called me and told me that he miss me and the kids so much, So Amazing!! So that was how he came back that same day, with lots of love and joy, and he apologized for his mistake, and for the pain he caused me and the kids. Then from that day, our Marriage was now stronger than how it were before. All thanks to this great man. He is so powerful and i decided to share my story on the internet that Dr. Todd is real and a powerful spell caster, if you are here and you need your Ex back or your husband moved to another woman, do not cry anymore,
contact this powerful spell caster now, contact him via:manifestspellcast@gmail.com
http://manifestspellcast.blogspot.com call/text: +1 (830) 239 0730

Ryan Grants said...

DO YOU NEED AN AFFORDABLE LOAN TODAY?

We have provided over $1 Billion in business loans to over 27,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 24 hours of successful application. We offer loans from a minimum range of $5,000 to a maximum of $500 million.

Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Dr. Ryan Grants Loan Home is the answer. Reduce your payments to ease the strain on your monthly expenses. Email (ryangrantsloanhome@gmail.com) Phone: +1 (504) 587-1780

DO YOU NEED 100% FINANCE? we give out loans with an affordable interest rate of 2% RYAN GRANTS LOAN HOME, (ryangrantsloanhome@gmail.com) Phone: +1 (504) 587-1780 aims is to provide Excellent Professional Financial Services.

Our services include the following:

* Farm Loans
* Truck Loans
* Personal Loans
* Business Start up loans
* Debt consolidation loans
* Car Loans
* Hotels Loans
* Education Loans
* Mortgage
* Refinancing Loans
* Home Loans

We give you loan with a low interest rate of 2% and loan duration of 1 to 30 years to pay back the loan (secure and unsecured). Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up, which is why you must contact us quickly for a solution to your financial problems. It will be a great joy to us when you are financially stable. Email (ryangrantsloanhome@gmail.com) Phone: +1 (504) 587-1780

NOTE:Bear in mind that it will only take less than 24 Hours to process your file is 100% Guaranteed no matter your Credit Score.

Yours Sincerely,
Dr. Ryan Grants
+1 (504) 587-1780
We are certified and your privacy is 100% safe with us. Worry no more about your financial problems.


Get your instant loan approval

Zoe Summer said...

HPV cure with the help of a herbal medication by Dr Ben for help contact now to get your own cure

I think this site is useful in all that is suffering from HPV can show it to their friends and family and then there is a greater understanding I don't just know the reason why some people are finding it difficult to believe that, there is a cure for HPV, I have been suffering from HPV since 9month now but today I am happy that i am cure from it with the herbal medicine of Dr.Ben the great healer sent to me,I was browsing the internet searching for help when I came across a testimony shared by someone on how Dr.Ben cure his HPV I was so much in need of getting his treatment so I contacted Dr.Ben for the HPV cure.I am so much happy today that we have someone like this great herbal Dr Ben who has the cure to all types of virus contact Dr Ben on email address:

Benherbalcure@gmail.com
WhatsApp +2347064294395
Website http://benherbalcure.webs.com/

Unknown said...

Hi! I'm xutron czars. I had a double bypass heart surgery 5 weeks ago. I've applied for desability and my jobs insi

Unknown said...

Hi I'm Xutron Czars I had an open heart surgery 5 week ago. My jobs insurance desability claim was approved three weeks ago. But my jobs HR is not makeing my checks, as they suppose to, according to my insurance case manager. They have no reason to stop your income benefits. I've worked for this company for 16 years. Thank you in advance for your answer.

Unknown said...

Sorry! Something whent wrong.

Unknown said...

All thanks to Dr ZAZA just contacted this man after my husband of about 5years left me and to my surprise it took this man just 3days to bring him back to Dr ZAZA his the best spell caster around to solve any problem for you.
{1} HIV/AIDS
{2CANCER
{3}HERPES
{4}DIABETES
(5}HERPERTITIS B
{6}EX BACK
{7}MONEY RICUTAL
{8}PREGNANCY SPELL

Call/WhatsApp:+2348129175848 or Email: DRAKHERE66@gmail.com...

Treme eka said...


I have this same problem. My husband and I were the perfect couple at first. We clicked right away and the chemistry was just crazy. But reality kicked in real soon and we started arguing a lot. Until now get into heavy arguments, where none of us is really listening and always out talk each other, until one day my husband left me it was like a dream, i beg and apologize for everything, he refuse for 1 year and 3 month, until i meet a man call doctor MACK online who is a great spell caster he cast a spell for me and told me that my husband will come back in 48 hours to beg me to come home, to my greatest surprise my husband come after 2 days of the spell and told me he is sorry, am so happy that i meet doctor MACK, if you need his help contact him on “DR_MACK@ YAHOO. COM”