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#group health insurance company
smithdavid16 · 2 years
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solidagofvckr · 1 year
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oh me? i was diagnosed with thoughts feelings and emotions. theyre giving me meth for it
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roseband · 2 years
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tomorrow i get my benefits and i didn’t get laid off today so im getting my BENEFITS!!!!
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investoptionwin · 21 hours
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Understanding Health Insurance Riders: Enhancing Your Coverage
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When it comes to protecting your health and financial well-being, having a comprehensive health insurance policy is crucial. However, sometimes standard health insurance plans might not cover all your needs. This is where health insurance riders come into play. These optional add-ons can enhance your existing health insurance policy, offering additional benefits and broader coverage. In this blog, we’ll delve into what health insurance riders are, the different types available, and how they can be beneficial, while incorporating key terms such as health insurance, care health insurance, health insurance plans, medical insurance, mediclaim policy, health insurance policy, and best health insurance.
What are Health Insurance Riders?
Health insurance riders are supplemental benefits that you can add to your existing health insurance policy. They are designed to provide additional coverage beyond what is included in the base plan. Riders are typically chosen based on individual needs and can be an excellent way to customize your health insurance coverage.
Types of Health Insurance Riders
Critical Illness Rider A critical illness rider provides a lump sum payout if you are diagnosed with a specified critical illness, such as cancer, heart attack, or stroke. This payout can be used to cover treatment costs, recovery expenses, or any other financial needs.
Accidental Death and Disability Rider This rider offers financial protection in case of accidental death or disability. It provides a lump sum benefit to your beneficiaries in the event of your accidental death, or to you if an accident results in disability.
Hospital Cash Rider The hospital cash rider offers a fixed daily benefit for each day of hospitalization. This can help cover additional expenses that are not included in your standard health insurance, such as transportation, meals, and other miscellaneous costs.
Room Rent Waiver A room rent waiver rider allows you to opt for a higher room category without worrying about sub-limits on room rent charges in your health insurance policy. This can be particularly useful if you prefer staying in a private or deluxe room during hospitalization.
Maternity and Newborn Cover This rider provides coverage for maternity expenses and newborn care. It can include costs related to delivery (both normal and cesarean), pre and postnatal care, and newborn expenses for a specified period.
OPD (Outpatient Department) Rider An OPD rider covers outpatient expenses such as consultations, diagnostic tests, and minor procedures that do not require hospitalization. This is beneficial for managing routine healthcare costs.
Benefits of Health Insurance Riders
Enhanced Coverage Health insurance riders allow you to enhance your existing health insurance plans by providing additional benefits tailored to your needs.
Cost-Effective Adding a rider to your current health insurance policy is often more cost-effective than purchasing a separate policy for additional coverage.
Financial Security Riders such as critical illness and accidental death and disability provide a lump sum payout, offering financial security during challenging times.
Customization Riders enable you to customize your health insurance policy according to your specific health risks and lifestyle needs, ensuring you have the best health insurance coverage.
Tax Benefits Premiums paid for health insurance riders are eligible for tax deductions under Section 80D of the Income Tax Act, providing additional financial benefits.
How to Choose the Best Health Insurance Riders
When selecting health insurance riders, consider the following:
Assess Your Needs Evaluate your health risks, lifestyle, and financial situation to determine which riders are most beneficial for you.
Compare Options Compare the available riders across different health insurance plans and care health insurance providers to find the best options that offer comprehensive coverage at a reasonable cost.
Understand the Terms Read the terms and conditions of each rider carefully, including exclusions, waiting periods, and claim processes.
Consult with Experts Speak with a health insurance advisor or broker to get personalized recommendations based on your unique needs and circumstances.
Conclusion
Health insurance riders are valuable additions that can significantly enhance your medical insurance coverage. Whether you are looking for extra financial protection against critical illnesses, want to cover maternity expenses, or need outpatient care, riders offer a flexible and cost-effective solution. By carefully assessing your needs and comparing available options, you can choose the best health insurance riders to ensure comprehensive coverage and peace of mind.
Remember, a well-rounded health insurance policy with the right riders not only protects your health but also secures your financial future against unexpected medical expenses.
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platinummutual · 5 days
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Choosing the Right Group Health Plan in Toronto
Choosing the right group health plans insurance in toronto is crucial for your business and employees. Platinum Mutual Ltd offers expert guidance to help you navigate the options and select the best plan. Our comprehensive group health plans include medical, dental, and vision coverage, tailored to meet your team's needs. With personalized service and competitive rates, Platinum Mutual Ltd ensures your employees receive top-quality healthcare benefits.
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jobsbuster · 11 days
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ethikainsurance · 6 months
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Co-payment refers to the amount of claim that should be borne by the insured during the settlement of a claim. The co-payment amount depends on the co-payment clause mentioned in the policy. Irrespective of the claim amount, the insured has to settle their part before the insurance company makes the final payment. The co-payment could vary between 10% and 50% depending on the health insurance plan chosen by you and the insurer. Even group health insurance plans have a co-payment clause to reduce the overall payable premium. Co-payment is a way of making the insured behave as the insurer so that the insured absorbs a part of the risk. There are two types of co-payment: Mandatory and Voluntary. Mandatory co-payment is compulsory for every customer taking the health insurance plan.
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Top Group Health Insurance Companies
Providing Comprehensive Coverage and Benefits. Discover the Group Health Insurance Companies in the industry offering tailored group health insurance plans, ensuring affordable and quality healthcare solutions for organizations and their employees. Explore your options and secure the well-being of your team today.
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headspace-hotel · 4 months
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Going through the bills proposed in the kentucky 2024 legislative session and some of the things being proposed are
make a PFAS Working Group
require homeless shelters to provide free menstrual products (it's actually disturbing that they didn't already)
require schools to provide free menstrual products
create harm reduction centers and lower penalties for possessing controlled substances
require insurance to pay for cancer screenings (okay. low bar but okay)
abolish the death penalty (actually has a couple republican sponsors)
decriminalize cannabis
make fluoridation of water in districts optional (?????)
make coal the "state rock" of Kentucky
Prohibit children from being interrogated in a "deceptive manner" (?)
Make weight discrimination illegal
pay schools to food grown at kentucky farms to provide for school meals at low income schools (hey that's rad)
Lower the age of carrying a concealed deadly weapon from 21 to 18 (?????????????)
Require companies to give their employees earned paid sick leave
Impose restrictions on the collection of biometric data by private entities
Allow poultry to be sold at farmers' markets and at farms
pay for cancer screenings for firefighters
let pregnant incarcerated people have midwives or doula services
require that public high school curriculum include instruction on the history of racism
Remove Robert E. Lee Day, Confederate Memorial Day, and Jefferson Davis Day from the list of public holidays (WE HAVE THOSE?!!?!?!)
Retroactively expunge some cannabis convictions
"Prohibit public school districts from expanding any resources or funds on diversity, equity, inclusion, and belonging or political or social activism; prohibit public school districts from engaging in diversity, equity, inclusion, and belonging" (HUH?????)
require schools to give kids a lunch period of at least 30 minutes (the bar is in hell)
provide scholarships for teachers to help the teacher shortage and give teachers compensation for planning time
require schools to have defibrillators
make it so a homeless person doesn't have to pay to get a copy of their birth certificate
require a working smoke detector to be present in any house sold (...did we not already have this?)
create the Kentucky Urban Farming Youth Initiative
Require local governments to lower minimum square footage requirements for housing, and facilitate multifamily housing, manufactured housing, and "tiny homes," and require that zoning laws have a "substantial connection to protection of public safety, health, and usage of property" (This could be a good thing??)
require hiring and licensing authorities to allow people convicted of a crime an opportunity to get a job
Propose a new section of the Kentucky Constitution that guarantees the right of an individual to buy, sell, or use a certain amount of cannabis and to grow a small amount of cannabis plants, and put this on the ballot (LET'S FUCKING GOOOOOO LET THE PEOPLE DECIDE please this would be so funny)
Now let's watch how many of the good and basic common sense laws get left to die by Republicans because Republicans are ghouls
this is why it's important to vote in local elections, this is the kind of stuff that's being decided upon
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scribbleymark · 6 months
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"Amatonormativity permeates more than TV shows and books. It is woven into our legal rights, creating forms of discrimination that become more and more apparent as people age. Romantic love within marriage confers privileges that other forms of devotion cannot, including over 1,100 laws that benefit married couples at the federal level. Spouses can share each other’s health insurance, as well as military, social security, and disability benefits. They can make medical decisions for each other. Companies grant bereavement leave for spouses, no questions asked, but there will be more hesitation if leave is requested for a mere friend. It is possible to marry a stranger and give them your health insurance but not possible to give health insurance to a parent...
Criteria based on sex made sense when the main purpose of marriage was to merge fortunes and produce children, but today...marriage is more about a match of devotion than a match of trade. In many cases, the point is no longer to create an heir and a spare. Plenty of married couples don’t have children (or sex, for that matter), and bad marriages with little caring are common...
Offering legal and social benefits only to the romantically attached suggests that the mere presence of romantic feeling elevates the care and deserves special protections, even though friendship and other forms of care, which can come with less obligation, can include more love, more freely given. Therefore, the legal and social privileges of marriage should be extended to all mutually consenting adults who wish for them...
'In terms of policy, marriage law really reaches into all areas of law, like tax and immigration and property,' ... 'It doesn’t matter if it’s different-sex only or same-sex marriage, so long as we restrict marriage to romantic and sexual partners we will ensure amatonormativity.' Reforming marriage law by abolishing it altogether or extending marriage-like rights to friends (to small groups or networks) is one way to eradicate discrimination."
Angela Chen, Ace: What Asexuality Reveals About Desire, Society, and the Meaning of Sex
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smithdavid16 · 2 years
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stayinlimbo · 28 days
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We Become We
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pairing: husband!lee minho x reader genre/warnings: friends to lovers, marriage of convenience, fluff, poor attempts at me trying to be funny, mc's gender is not specified word count: 1.02k note:  i am not dead yay. i tried my best since i haven't had time to write for almost a month so please take this as a peace offering ♡
Marriage. It’s an interesting concept, isn’t it? 
You’ve always thought so, at least. Two people agreeing to sign a legal document and tethering their lives to each other for whatever reason, be it love, societal expectations, familial pressure, financial security, etc. 
Yours happens to be a man named Lee Minho. The same man you’ve been friends with for as long as you can remember. The same man who asked you to marry him for a reason you didn’t get to learn until he was already down on one knee. 
(“I’m sorry, you want me to WHAT?” “Marry me. Please, I need health insurance.”
“Okay, yes, sure, whatever; now please get off the floor. People are staring.”)
Lee Minho, who, after dragging you to the courthouse and legally becoming your husband, finally elaborated on how his job would pay him more and cover both of your health insurances if he was married. So really, in his words, he was “doing you a huge favor” by marrying you. 
And, in all honesty, he really was. No, you didn’t have a ring to show off your new husband’s weird skill at finding loopholes in company policy, and you’re like thirty-five percent sure the two of you are committing some kind of marriage fraud, but does it really matter when you can finally start using the hot water in your dingy apartment without worrying if you’ll have enough money to fund your crippling caffeine addiction? The government will have to drag you kicking and screaming before you resort back to mankind’s cruelest form of torture: cold showers. 
Not to mention that marriage didn’t even change your relationship with Minho. And why would it? You’re still you, and he’s still him. He gets on your nerves just the same, maybe even a little bit more after he decided to frame your marriage certificate in his living room and send a photo to all your mutual friends. You’ll never forgive Minho for laughing at your helplessly panicked state when the group chat wouldn’t stop exploding with messages and incessant calls. 
You’re still his best friend that resides in his apartment four out of seven days of the week while he inhabits yours for the other three. Maybe that’s why, two weeks after your “wedding,” when it was time to renew your lease, Minho suggested with a simple shrug of his shoulders that you move in with him since “you’re here all the time anyway.” 
You’ve really got to learn how to say no to him because now you wake up next to your best friend/roommate/husband in his one bedroom, one bathroom apartment at the crack of dawn with a light pressure on your chest and fur in your face when his cats decide you need to wake up right now to feed them. 
Not to say you don’t like the new arrangement! No, that would be the furthest from the truth. 
Sure, you didn’t appreciate your skin care routine being interrupted by the unexpectedly high-pitched scream Minho let out when he saw you in a face mask for the first time, and what kind of person still has their phone’s brightness turned up all the way before bed? But who else would willingly tolerate your deliriousness before your morning coffee or indulge in your pleas to cook your favorite food three days in a row? 
Living with Minho has only made the purely platonic feelings you harbor for him grow stronger.
That’s what the fluttering in your chest means every time you see him, right? The reason for the smile that grows on your face when you hear the distinct jingling of keys at the front door?
Yeah, that must be why heat spread across your cheeks when he handed you his phone to text one of his friends back, because since when did the heart emoji make an appearance next to your pinned contact name?
You just care about each other, that’s all. It’s normal to want to make sure he arrived at work safely and ask how his day is going during your lunch breaks. It’s normal to start receiving back hugs before bed—a comforting weight as Minho’s chin rests on your shoulder while you apply the rest of the products to your face. 
It’s natural to have doubts about the nature of your relationship during an evening walk, acutely aware of his fingers lightly brushing against yours as you silently study his features illuminated by the soft glow of the scattered streetlights. What if he meets someone else and falls in love with them and wants a divorce and– oh. 
Has he always looked at you like that? With his gaze softening as it locks with yours? With the corners of lips lifting into the gentlest smile you’ve ever seen? With all the stars shining above you finding a second home in his eyes? A look so loving that it takes your breath away and you can’t tell if you’re about to laugh or cry in relief. 
And when you return home to get ready for bed, the familiar feeling of hands wrapping around your waist and a careful pressure resting by the crook of your neck quells the remnants of your worries.
It’s you and Minho. Minho and you, just as it always has been. Just as it’s always meant to be.
The distance between your bodies on the bed becomes nonexistent when you curl yourself into his side, laying your head on his shoulder and intertwining your legs with his as he immediately, unhesitantly, adjusts his arm, his fingertips finding purchase on exposed skin and roaming across the span of your back. A kiss to the top of your head is the last thing you feel before the gentle lull of breathing and the rise and fall of his chest begin to soothe you to sleep. 
Ah, marriage—what an interesting concept. Two people agreeing to sign a legal document and tethering their lives to each other for whatever reason, be it love, societal expectations, familial pressure, financial security, etc. 
You love your husband, and you’re beginning to think he loves you too. 
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liked this work? want to let me know how i did? please like, comment, and/or reblog; they are greatly appreciated my asks are always open ♡
taglist: @linospuddin @linocz @spicyhyunn
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jodipickens · 10 months
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We under value and take for granted artists as a society. I’m talking all artists…writers, actors, musicians, dancers, designers, painters, sculptors…the list is endless.
The commonality is that they all have either spent their time honing their skills through practice, lessons, education or all of the above. Artists dedicate their time and often their lives to their craft.
We are failing our artists. Symphony orchestras are failing across the US. Writers and actors are on strike. People involved in the fine arts are turning to independent sales. We need to shift our expectations.
We need creatives as a part of our society. What we don’t need is the expectation that artists should work for free or for a paltry income. Simply because an artist enjoys performing or creating doesn’t mean they should have to do so for nothing.
We also no longer live in an era where it is standard that the extremely wealthy build museums or libraries or fund performing arts groups. We live in an era of amassing extreme wealth for the minority of the population.
I get that profitability is important, but at what cost? Are we ok that artists can’t afford health insurance? Are we ok that artists are leaving our communities for other opportunities? Are we ok that companies are ready to use AI over humans for creative processes and performance?
I’m not ready for any of this. We will lose a significant part of our humanity by eliminating and discouraging the ability to thrive for artists. Change can be hard but change is what is needed.
We are experiencing the beginning of a labor revolution and it will not stop with our writers, actors, UPS drivers or Starbucks baristas. The peasants are fed up and the nobility needs to pay attention.
Support your local artists. Support independent artists. Support the striking unions and organizations. We can all play a part in creating a long lasting effective change.
#WGAstrong #SAGAFTRAstrong #Unionstrong #BeLoud
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investoptionwin · 3 months
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A Comprehensive Guide to Choosing the Right Health Insurance Policy
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Introduction: In today’s uncertain times, having adequate health insurance coverage is essential to safeguard oneself and loved ones against unexpected medical expenses. With a plethora of options available in the market, selecting the right health insurance policy can be overwhelming. In this guide, we’ll outline key factors to consider when choosing health insurance, ensuring you make an informed decision that meets your healthcare needs and financial goals.
Understanding Health Insurance: Health insurance, also known as mediclaim policy, is a contract between an individual and an insurance company, wherein the insurer agrees to provide financial coverage for medical expenses incurred by the insured. Health insurance policies typically cover hospitalization expenses, medical treatments, surgical procedures, diagnostic tests, and more, depending on the terms and conditions of the policy.
Key Factors to Consider When Choosing Health Insurance: 1. Coverage Options: Assess your healthcare needs and choose a health insurance policy that offers comprehensive coverage. Look for coverage for hospitalization expenses, pre and post-hospitalization expenses, daycare procedures, ambulance charges, and more. Additionally, consider add-on covers such as critical illness cover, maternity cover, and personal accident cover for enhanced protection.
2. Sum Insured: The sum insured, also known as the coverage amount, is the maximum amount the insurer will pay for medical expenses during the policy period. Choose a sum insured that adequately covers your potential healthcare expenses, taking into account factors such as inflation, medical costs in your city, and your family’s medical history.
3. Network Hospitals: Check the insurer’s network of hospitals and healthcare providers to ensure you have access to quality healthcare services when needed. Opt for a health insurance policy with a wide network of network hospitals, including reputed hospitals and healthcare facilities in your city or region.
4. Claim Settlement Ratio: The claim settlement ratio is a measure of an insurance company’s efficiency in settling claims. Choose a health insurance provider with a high claim settlement ratio, indicating a higher probability of claims being settled promptly and fairly. Research the claim settlement ratio of different insurers and select one with a favorable track record.
5. Premiums and Affordability: Compare the premiums of different health insurance policies to find a plan that offers comprehensive coverage at an affordable price. Consider factors such as premium payment frequency, premium loading, co-payment, and deductible options to customize the policy according to your budget and requirements.
6. Customer Service and Reputation: Evaluate the insurer’s customer service quality, responsiveness, and reputation in the market. Read customer reviews, testimonials, and ratings to gauge the insurer’s reliability, transparency, and commitment to customer satisfaction. Choose a health insurance provider with a positive reputation and a track record of delivering exceptional service.
Conclusion: Choosing the right health insurance policy is a critical decision that requires careful consideration of various factors. By understanding your healthcare needs, assessing coverage options, comparing premiums, evaluating insurer’s reputation, and reviewing claim settlement ratio, you can make an informed choice that provides comprehensive protection and peace of mind. Remember to review your health insurance policy periodically and make adjustments as needed to ensure continued coverage that meets your evolving healthcare needs.
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platinummutual · 7 months
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Group Health Plans Insurance in Toronto
When it comes to group health plans insurance in Toronto, Platinum Mutual Ltd is a trusted provider. They offer a range of group health insurance options designed to meet the specific needs of businesses and organizations. Whether you're looking to provide your employees with comprehensive health coverage or tailor a plan to your group's unique requirements, Platinum Mutual Ltd can help you navigate the complexities of group health insurance. 
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roo-bastmoon · 29 days
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Off My Chest
Rant about Hybe under the cut. I give you my word I will try to post a majority of positive content, because the world (and my mental health) doesn't need more negativity, but sometimes you just gotta vent.
Folks, if you've known me for a hot second, you've realized I am a Jimin-biased Jikooker... but I am OT7, and I sincerely love and support BTS.
I believe Jimin is a grown man who can advocate for himself and I believe Jungkook absolutely supports and adores him, whatever their relationship status is.
I always try to accentuate the positive and avoid online drama and negativity as much as possible, but I need to get this off my chest.
I will never be gas-lit into believing that the way Jimin was treated in solo era was fair, or equitable, or even made any kind of business-sense. I've genuinely tried to entertain other people's points of view and listen to people who claim to have industry expertise, but...
I will never forget his mail being tampered with four times, his leaked insurance information, denial of more music videos, overlapped solo release, only 9 days of promotion, split title tracks, no radio or play-listing, no bio for his Spotify for months, no restock of his single CD for months, hundreds of thousands of frozen and deleted sales, millions of culled streams, shady articles in WeVerse and Billboard, insulting dialogue in In the Seom, failure to submit to RIAA certification for months, only a paywall documentary on WeVerse, zero official acknowledgement of his Hot 100 #1, 1 billion streams on Spotify, or wins for The Fact, MAMA, and two Webbys, plus broken in-ears, anemic little balloons and a sad background tarp as decorations for his fan events… and the company telling him how doing more would just be impossible.
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I compare all that to the push that other members and other groups got, and I know it just isn't true. It wasn't impossible.
Hell, Jeon Jungkook put in more effort to promote Jimin’s work and showed more respect for Jimin as an artist during his at-home lives than that whole company did, which honestly makes no sense from a profit standpoint.
I will never forget it, and I will not entertain arguments that say I’m a solo or an anti or jealous about it. I have eyes.
I am not out to shade any other members nor put forth any conspiracy theories. I simply want all our boys to get everything they justly deserve.
And yes, other members have suffered mishaps and neglect, but nothing of this scale, this consistently. It baffles me, I cannot understand it, and I'm done trying. Something strange was going on behind the scenes and we may never be privy to the details.
In trying to put this awful feeling behind me, I will say I am elated that Jikook are serving together and can support each other. I am glad there will be a Jikook travel show. I'm continually impressed with all of Jimin's success (in the military and professionally) despite all odds. I will always love and support all of BTS with my full heart.
And I sincerely hope the company has been taking notes and course-corrects for PJM2, even if it rubs some higher ups the wrong way if they had a different vision. Considering Jimin’s unique talents and his amazing star power—even his ability to bring Paris and New York to a screaming standstill just for the opportunity to see him exit a car—I would hope the company will “do their best to promote all labels and artists without discrimination” going forward.
But what happened truly sucked, and I needed to get that off my chest. I am not interested in further discussion or debate. I am now going to do my best to shift my focus and energy on to the things I want to manifest, instead of the things that enrage me.
So let me end on a positive and hopeful note: I put all my trust in Jimin, who signed a new contract with Hybe and who unfailingly adores all his members. There can be no love without trust. I will always do my best to trust BTS.
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But I'm watching carefully. For Jimin and all our boys.
Love, Roo
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