昨日、先々代１７回忌、先代の３回忌法要を勤めました。先々代は祖父、先代は父に当たります。
去年の先代一周忌までは檀家葬で勤めていただきましたが、今年からは金森家が施主になります。大したことは出来ませんが、祖父母や父が喜んでくれることは何だろう … と思いながら準備をしました。まずハードな面としては、この日に向けて本堂の畳替えをし、新畳で 最初に法事をすることができました。これは、来る４月２１日の回番御忌（かいばんぎょき）に向け、慶祝事業の一環として成就したのですが、畳替えが完了したのが２月２８日。この日は 奇しくも父の命日でした。回番御忌とは近江八幡市内１２ヶ寺が当番制で回している１０数年に一度の大法要ですが、これは先々代の発案だと聞いています。３巡目の西願寺の当番が今年の４月２１日。この日は奇しくも祖父の１７回忌の当日に当たります。檀信徒一同で成した、タイミングが合った畳替えでした。
またソフトな面として、自前で法要が出来たことが嬉しかったです。導師が祖母の実家・善教寺上人。役僧が母の実家・重願寺上人、そして先代の弟子だった水月尼。そして、中２の長男、小６二男が音頭をとって読経をしてくれました。私自身も、縁深き僧侶方に勤めて欲しいですし、まして、自分の孫やひ孫にお経を読んでもらったら これほど嬉しいことはないだろうなぁ … と思い、配役を決めました。
法事を勤めるのは大変です。時間もお金もかかりますし、気疲れもハンパじゃありません（笑）。しかし、施主として法事を行い学んだことは、一つ一つ意味を考えて勤めれば、必ず大きな縁や力に護られてることに気付くのです。あたかも亡き人と会話をして、幸せの確認作業をしている感覚です。この学びは 法事をせねば決してわかりません。法事というものは上手くできてるなぁ・・・また、次なる世代への無言の教えにもなるんだなぁ・・・過去・現在・未来と一本の線がつながり、自分の存在意義がわかり、有り難いなぁ・・・と思いました。また、その法事に携わる 住職の責任の重さも学びました。有縁の皆様、誠に有難うございました。心より感謝申し上げます。合掌
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In the past handful of months we’ve noticed a whole lot of Health and fitness
Treatment Reform principles and rules becoming introduced by the Wellness and Human Expert
services Department. Each and every time that takes place, the
media receives hold of it and all forms of articles are
penned in the Wall Road Journal, the New York Periods, and the Tv set network news plans converse about it.
All the analysts commence speaking about
the execs and downsides, and what it suggests to companies and individuals.
The challenge with this is, lots of times a single author looked at the regulation,
and wrote a piece about it. Then other writers start employing items from that first
posting and rewriting elements to healthy their short article.
By the time the facts receives commonly dispersed, the real laws and procedures get twisted and distorted, and what actually exhibits up in the
media at times just won’t genuinely symbolize
the truth of what the regulations say.
There is certainly a good deal of misunderstanding
about what is heading on with ObamaCare, and a person of the points
that I’ve seen in conversations with clients, is that there is an underlying set of myths that individuals have picked up about health and
fitness care reform that just are not real.
But since of all they’ve read in the media, individuals consider these myths are basically legitimate.
Currently we are going to talk about a few myths I listen to most generally.
Not everyone believes these myths, but plenty of do,
and others are doubtful what to think, so it warrants dispelling these myths now.
The first one particular is that wellbeing care reform only impacts uninsured people today.
The 2nd one is that Medicare benefits and the Medicare system
is just not going to be afflicted by wellbeing
treatment reform. And then the previous a single is that
wellbeing care reform is going to lower the fees of healthcare.
Health Treatment Reform Only Affects Uninsured
Let us look at the to start with fantasy about wellness treatment reform
only influencing uninsured persons. In a ton of the discussions I have
with purchasers, there are various expressions they use:
“I currently have coverage, so I will never be affected by ObamaCare,” or “I will just maintain my grandfathered overall health insurance policies strategy,” and the past a single – and
this one particular I can give them a very little little bit of leeway, simply because section of what they’re saying is legitimate —
is “I have team health coverage, so I will not be impacted by health care reform.”
Nicely, the reality is that overall health care reform is truly likely to
affect every person. Starting up in 2014, we are heading to have a full new set of wellness designs, and individuals ideas have
pretty abundant gains with heaps of additional characteristics that the current ideas these days you should not provide.
So these new ideas are likely to be bigger value.
Wellness Treatment Reform’s Effect On People today With Well being Insurance plan
Men and women that presently have health insurance policies are
heading to be transitioned into these new ideas someday in 2014.
So the insured will be instantly affected by this
mainly because the overall health options they have currently are going
absent, and they will be mapped into a new ObamaCare strategy in 2014.
Overall health Treatment Reform Influence
On The Uninsured
The uninsured have an further issue in that if they do not get well being coverage in 2014, they encounter a mandate penalty.
Some of the wholesome uninsured are going to glance at that penalty and say,
“Well, the penalty is 1% of my altered gross profits I make $50,000, so I am going to fork out a $five hundred penalty or $one,000 for well being insurance policies. In that scenario I will just choose the penalty.” But possibly way,
they will be directly impacted by wellbeing care reform.
By way of the mandate it impacts the insured as perfectly as
the uninsured.
Health Care Reform Effect On Individuals With Grandfathered Health and fitness Plans
Individuals that have grandfathered wellbeing insurance plan plans are not heading
to be right afflicted by wellness care reform.
But simply because of the life cycle of their
grandfathered health prepare, it can be likely to make these
strategies extra highly-priced as they discover that
there are options out there now that they can easily transfer to that have a richer set
of gains that would be much more effective for any long-term overall health
difficulties they may have.
For persons who keep in people grandfathered
strategies, the pool of subscribers in the approach are likely to get started to shrink,
and as that takes place, the expense of those grandfathered wellness
insurance programs will raise even speedier than they are now.
Thus, people in grandfathered well being options will also be impacted by ObamaCare.
Wellbeing Treatment Reform Influence On Individuals With Team Wellbeing Coverage
The previous 1, the modest team market, is going to be the
most notably affected by wellbeing treatment reform. Even while
the wellbeing care reform laws predominantly have
an affect on huge and medium-sized companies, and companies that
have 50 or extra employees, smaller sized providers will also be affected,
even while they are exempt from ObamaCare by itself.
What lots of surveys and polls are starting off to present is that some of the organizations that have ten or
fewer workers are going to search significantly at their selection to drop
well being insurance policies protection altogether, and no for a longer time have
it as an cost of the enterprise. Rather, they will have their workforce get health insurance through the health and fitness insurance policy exchanges.
In simple fact, some of the carriers are now saying they anticipate that up to fifty% of small groups with 10 or much less personnel are going to drop their overall health insurance
prepare someday among 2014 and 2016. That will have a really big
influence on all people who have team well being insurance policies, primarily if they’re in 1 of those people tiny businesses that fall
wellness insurance policy coverage.
It is really not just uninsured that are going to be affected by
health care reform, all people is going to be impacted.
Well being Care Reform Will Not Have an affect on Medicare
The subsequent fantasy was that health and fitness treatment reform
would not have an affect on Medicare. This just one is kind of humorous due
to the fact suitable from the quite get-go, the most notable cuts were being specially concentrating on the
Medicare software. When you glance at Medicare’s part
of the over-all federal, you can see that in 1970, Medicare was 4% of
the U.S. federal finances, and by 2011, it experienced grown to
16% of the federal budget.
If we look at it around the final 10 several years, from 2002
to 2012, Medicare is the speediest growing part of the key
entitlement applications in the federal government, and it is really grown by virtually 70%
through that interval of time.
Because of how substantial Medicare is and how rapidly
it really is increasing, it’s one particular of the essential plans that ObamaCare is attempting to get a manage on, so it will not bankrupts the U.S.
Medicare is going to be impacted, and in truth the
original cuts to Medicare have currently been established at about $716 billion.
Medicare Advantage Cuts And The Effects
Of that $716 billion slice, the Medicare Advantage software receives
slice the most, and will see the bulk of the consequences. What which is
going to do is boost the premiums individuals pay back for their Medicare Advantage ideas, and lessen the advantages of these
designs.
Improved Medicare Advantage Costs
Proper now, many people opt for Medicare Edge ideas since they have
zero premium. When offered a decision on Medicare programs, they check out it as
an quick option for the reason that it really is a free of charge method for them,
“Absolutely sure, I get Medicare gains, I you should not fork out something for it why not.” Now they’re heading to see Medicare premiums
start to climb, and go from zero to $70, $80, $90, $one hundred.
We’ve already viewed that with some of the Blue Cross Medicare Benefit plans this calendar year.
It is going to get worse as we go forward in the future.
Minimized Medicare Edge Gains
In purchase to lower the high quality improves, what quite a few Medicare Benefit programs will do is
enhance the copayments, improve the deductibles,
and transform the co-insurance policies charges.
In buy to continue to keep the premiums down, they will just thrust far more of the fees onto the Medicare Benefit recipients.
Amplified rates and lowered positive aspects are what we are heading to see coming in Medicare Gain approach.
Fewer Medicare Doctors
And then if that was not poor plenty of, as Medicare doctors start out receiving decrease and
decrease reimbursements for Medicare Benefit men and women, they are likely to stop
taking new Medicare Gain recipients. We are going to see
the pool of doctors to help persons in Medicare starting to shrink as properly, except
alterations are produced around the course of the following
5 years. So Medicare is likely to be affected, and it truly is likely to be afflicted considerably by wellness care reform.
Everybody’s form of on pins and needles, waiting to see what is likely to
take place there.
Wellness Treatment Reform Will Lessen Healthcare
Costs
The previous just one, and possibly the most important fantasy about wellbeing treatment reform, is every person contemplating that ObamaCare will decrease
health care fees. Which is totally hogwash. Early on in the method,
when they have been attempting to arrive up with the principles and laws, the emphasis and one of the targets for reform was to minimize healthcare fees.
But someplace alongside the line, the intention in fact shifted from charge
reduction to regulation of the health insurance policy sector.
After they made that changeover, they pushed expense reductions to the back
again burner. There are some tiny expense reduction factors in ObamaCare, but the real emphasis is on regulating
wellness insurance policy. The new plans,
for example, have much richer advantages than a lot of strategies
today: richer positive aspects signifies richer costs.
Overall health Care Reform Subsidies: Will They Make Designs Very
affordable?
A large amount of men and women hope, “The subsidies are going to make overall health insurance policies programs much more reasonably priced, would not they?” Indeed,
in some instances the subsidies will support to make the
designs cost-effective for persons. But if you make $one far too a
lot, the inexpensive plans are all of a sudden likely to turn into quite high priced and can price tag hundreds of bucks far more around the course of a 12 months.
Will a subsidy make it cost-effective or not reasonably priced is
genuinely matter to debate at this level in time. We are likely to have to basically see what the premiums seem like for these plans.