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The Consumer Financial Protections Bureau reports 72 million Americans struggle to pay off medical debt, as of 2018. In fact, it’s one of the leading causes of bankruptcy in the U.S.Michelle Farden’s daughter, Monica, was included in those statistics. Monica got a blood clot in 2014 and she didn’t have health insurance.“The blood clot went to her heart and took her life,” Farden says. The grieving mother wonders if her daughter’s mounting medical bills contributed to her passing.One in 5 Americans are facing a burden of looming medical bills, according to the Consumer Financial Protections Bureau. Fifty-two percent of all debt in America is related to medical expenses. “If a patient is so concerned about the cost that they’re going to skip treatment, they’re going to get sicker and that doesn’t help anybody,” David Fredricken, CEO of Patient Focus, a group that helps patients deal with medical debt that’s often unforeseen and unaffordable. Fredricken says often times, a patient has no idea what they owe when they leave the hospital.According to NerdWallet, there are some things you can do to help alleviate your medical debt, and the stress that comes along with it:Set up a payment planConsider a medical credit cardTalk to a medical bill advocateIf you’re already in collections, try to negotiate a lower payment on your ownFarden wishes she could turn back time and have her daughter back, as she wonders how many other lives have been lost because someone was afraid to pay a bill.For more information on 1538

The federal emergency alert program was designed decades ago to interrupt your TV show or radio station and warn about impending danger — from severe weather events to acts of war.But people watch TV and listen to radio differently today. If a person is watching Netflix, listening to Spotify or playing a video game, for example, they might miss a critical emergency alert altogether."More and more people are opting out of the traditional television services," said Gregory Touhill, a cybersecurity expert who served at the Department of Homeland security and was the first-ever Federal Chief Information Security Officer. "There's a huge population out there that needs to help us rethink how we do this."Possible vs. practicalAdding federal alerts to those platforms might not entirely be a technical issue, at least on the government's end. The service has already been updated to include smartphones.And FEMA, the agency that manages the system's technology, told CNN Business that there are "no known technical hurdles involved in transmitting alerts" to devices that are connected to the internet. In fact, the agency has a way to do that, according to a FEMA spokesperson.But a new tool would need to be developed to distribute alert information to streaming platforms. FEMA said the "unknown quantity" is figuring out who would develop and install the applications.That's not a simple task, said Touhill, who's now president of the cybersecurity firm Cyxtera Federal Group. He told CNN Business that the required tool would need to be "exquisitely complex." It would need to be thoroughly tested and safeguarded to ensure that only authorized parties have access."Is it possible? Yes. Is it practical? Maybe not," Touhill told CNN Business.Another concern is whether devices connected to the internet are reliable indicators of a person's location. Emergency alerts need to be able to target a specific area so that they only reach people who are at risk.People on the internet can be traced through their IP addresses — unique strings of numbers assigned to each device that are also associated with a specific set of geographic coordinates. That's how companies like Netflix determine which language and content to show its customers.But those locations can be unreliable or easily manipulated, Touhill said.It's also not clear that enough information is there in some cases. A source familiar with Netflix's thinking told CNN Business that the company's ability to pinpoint a customer's exact location may vary depending on that person's internet service provider. That means Netflix might not reliably know a person's location with enough specificity to provide effective emergency alerts.Congress has considered some of these issues. Hawaii Senator Brian Schatz, a Democrat, proposed a bill last year that called for authorities to look into the feasibility of adding streaming services to the federal emergency alert system.The 2956

The NFL announced on Tuesday that the number of teams that will qualify for the playoffs will expand from 12 to 14, which will also increase the number of Wild Card Round games from four to six. NFL owners and the Players Association came to the agreement on Tuesday, which will go into effect this season. The format will mean that only the top team in each conference will earn a bye into the Divisional Round. The six division winners will then play the six wild card teams. The new format marks the first time the NFL has expanded the playoffs since 1990, when the league increased the number of teams that qualified from 10 to 12. Per the new format, three playoff games will be played on Saturday, Jan. 9, and another three games will be played on Sunday, Jan. 10. NBC and CBS have been the selected networks to air the added two showdowns. Had this year's format been in place in 2019, the Pittsburgh Steelers and Los Angeles Rams would have earned playoff bids. 982

The federal government and the court system have deemed variations of the phrase "go back to where you came from" when used by employees to be discriminatory, cases reviewed by CNN show.Since President Donald Trump tweeted that four progressive Democratic congresswomen of color "who originally came from countries whose governments are a complete and total catastrophe" should "go back to where" they "came from" last Sunday, the President has insisted his comments were not racist. The four minority lawmakers he referenced -- Reps. Ilhan Omar of Minnesota, Alexandria Ocasio-Cortez of New York, Rashida Tlaib of Michigan and Ayanna Pressley of Massachusetts -- are all American citizens. Three of the four were born in the United States.While Trump is not the employer of these four congresswomen and therefore likely not subject to laws governing their work environment, the federal government has deemed the phrase he used to be discriminatory.CNN reviewed several complaints filed with the US Equal Employment Opportunity Commission and found a few where similar language to what Trump used was considered evidence of discrimination in the workplace. The EEOC is a part of the federal government that enforces federal law to make sure employees are not discriminated against for their gender, sex, national origin or age.In 2007, the commission sued a company on behalf of a Muslim car salesperson of Indian descent who was repeatedly called "Taliban" and told that he should "just go back where [he] came from." EEOC also alleged a manager told the defendant "[t]his is America . . . not the Islamic country where you come from."The 5th US Circuit Court of Appeals sided with EEOC's claim that the salesperson was subjected to a hostile work environment based on his national origin and religion. The court cited the example of use of the phrase several times in rendering its decision. The case is cited on EEOC's website in a section where it specifically lists the comment "go back to where you came from" as an example of "potentially unlawful conduct."In another case, EEOC filed a lawsuit against a California hospital on behalf of 70 Filipino-American hospital workers. The hospital workers alleged that they were the targets of harassing comments. Some Filipino-American workers were told they would be arrested if they did not speak English and were told to go back to the Philippines.The hospital settled the case in 2012 agreeing to pay nearly million dollars in the EEOC national origin discrimination suit.New York University, one of the largest private universities in the country, agreed to pay 0,000 to settle a race and national origin harassment and retaliation lawsuit filed by the EEOC. In 2011, the commission alleged that NYU violated federal law by subjecting a Ghanaian-born employee to a hostile work environment that included "degrading verbal harassment." Settling a case is not necessarily an admission of wrongdoing.According to the EEOC's suit, the supervisor of the mailroom in NYU's Elmer Holmes Bobst Library regularly addressed the employee, a native of Ghana, with slurs like "monkey" and "gorilla" and insults such as "go back to your cage."In a 2006 case between a postal worker and a coworker, the postal worker said she faced discrimination in the workplace after a coworker said, "If you can't speak English, you don't belong here. Learn to speak better or go back to your own country." In this case, the EEOC found sufficient evidence to make a harassment claim.CNN legal analyst Laura Coates said Trump's tweets, "although obviously racist to the public," may not be unlawful in the case of the President."The EEOC guidelines are clear but they relate to employment," Coates said. "Congress doesn't work for the President. I'm not sure they could use the same claim of a hostile work environment based on a political atmosphere." 3896

The Nebraska State Patrol shared what looked like a gruesome photo from a crash on their Facebook page. But don't worry, it wasn't blood smeared across a vehicle in the image — it was just jelly.According to the social media post from Sunday, a crash between a car hauler and a truck carrying peanut butter and jelly happened near Chappell, Nebraska, on I-80. It made "for a gruesome-looking scene," the state patrol said on Facebook. But it wasn't blood. It was "just jelly. Lots of jelly."Nebraska State Patrol added that no one was hurt in the crash.The jelly was reportedly strawberry. 602