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As the nationwide unemployment rate continues to sit in unprecedented territory, the dramatic job loss numbers also mean millions of Americans have suddenly found themselves without health insurance.Experts call it a cruel twist during the pandemic, meaning many people who get sick with COVID-19 may not get the health care help they need because they don’t have coverage.“We have massive numbers of people who are worried about their health but who no longer have coverage,” said Michelle Johnson, who oversees the nonprofit Tennessee Justice Center.Johnson says calls to her organization have increased dramatically in the last few months as Americans are finding themselves uninsured after losing their jobs due to COVID-19.“We’re just going to continue seeing people who are losing their insurance,” she said.According to the Kaiser Family Foundation, nearly 27 million people in the United States may have lost employer-sponsored insurance. Roughly half of Americans receive health insurance through their jobs. And while programs like COBRA allow people who have been laid off to continue their coverage, many can’t afford to pay those costs with no income.Johnson says the problem is particularly troubling in state’s like hers where Medicaid expansion already meant there were hundreds of thousands of residents who were uninsured.She hopes the federal government might consider opening enrollment in the Affordable Care Act to help those who have suddenly lost coverage.Johnson’s biggest concern though, is the consequences may prove deadly as those without coverage now avoid trips to the doctor or emergency room for fear of getting stuck with bills they can’t afford.“People will delay getting the care they need because they’re worried about being a financial burden,” said Johnson. 1804

As school districts across the country prepare to return to school, small businesses that rely on child visitors are closely watching."We're probably at about 15-20% of the business that we normally do. It has been a real gut-wrenching, heart-wrenching moment," said Susan Shaw, owner of The Art Barn in Georgia.When the pandemic hit in March, she thought her business would only be on a month hiatus. Shaw, who goes by Farmer Sue, quickly realized that wasn't the case."By the end of the month I realized we are not going to be back to normal. The schools, our entire spring was lost and 95% of our summer is lost and 100% of our fall is lost because no one is going to be coming out on field trips," said Shaw.The Art Barn provides art and agriculture entertainment for children throughout the year. Shaw hosts birthday parties, school field trips and even teaches at private schools in the afternoon. They, like Benton Family Farms in Kentucky, rely almost entirely on birthday parties, field trips and summer camps to keep their businesses running.Benton Family Farms says their camps ended up getting canceled."Nothing. Five weeks of camp, every weekend of birthday parties, all of our mobile trailers going out. Our mobile trailer was going out to day care centers, churches and libraries," said owner Mary Marcum.Marcum says every single scheduled event they had was canceled. Marcum has been running educational programs on the farm her parents owned for 72 years."For eight weeks now I thought, gosh what can we do? Because my husband does most of the books and he’s said, 'You're in trouble. You’ve got to do something.' And I had done goat yoga about three years ago, but I didn’t have the time," said Marcum.Marcum ended up turning to that one program she felt could hold up during the pandemic: goat yoga."Goat yoga! People were like, it's almost outdoors, it just has a cover over it. It was an open barn and they started coming!" said Marcum.The twice weekend sessions are helping Benton Family Farms pay for some of the feed for their animals. Marcum is now taking donations, holding auctions online and creating any limited outdoor programming she can to try and stay open. So far, only about 180 people are coming out to visit the farm a month. Compare that to their normal of 4,000 people a month. "You're talking about a parent and a child. At 4,000 that’s ,000. I can do all the little things I want but there’s a lot that’s just too much to make up," said Marcum."There were a lot of tears, more prayers and then more tears and then it was finally in mid-June I was able to grab my bootstraps and say, ‘No, you made this business from absolutely nothing, a crazy idea no one thought would work. Girl get your gumption and get going,'" said Shaw.The Art Barn is also trying to be creative with programming to bring people back to her farm during the pandemic. Shaw is creating educational videos of her programs that can be used as a virtual field trip for school districts across the country."There literally will be a field trip online and we’ve broken them into the five stations so the school can purchase, rent those videos and go online," said Shaw.Small businesses like The Art Barn and Benton Family Farms are desperately hoping that schools will allow field trips again soon. Right now, they aren't expecting any student visitors this fall but are hopeful that COVID-19 rates will at least be low enough for field trips to resume in the spring. 3489

As New Haven, Connecticut, Fire Chief John Alston Jr. spoke to reporters about a spate of drug overdoses on Wednesday, he heard shouting coming from behind him."We're getting another call of a person," Alston said.He quickly helped coordinate the response, and then returned to the microphone.That scene came on the same day that as many as 40 people in the area of New Haven Green were believed to have overdosed on some form of K2 that may have been laced with opioids, according to New Haven police spokesman Officer David Hartman.New Haven Green is a large park and recreation area in the city's downtown.The patients included people of various ages and demographics, Alston said."It's a nationwide problem. Let's address it that way," he said. "It's a nationwide problem that people are self-medicating for several different reasons, and every agency -- police, fire, medical hospitals -- all are strained at this time. This is a problem that's not going away."New Haven police said one person is in custody.Director of Emergency Operations for New Haven Rick Fontana said the patients had symptoms of increased heart rates, decreased respiratory rates and a lot of vomiting. Some people were unconscious, others were semi-conscious.No one has died, but two individuals are considered to be in serious, life-threatening condition. Some individuals who were released from the hospital needed to be treated a second time for an additional apparent overdose, Fontana said.K2 is a synthetic cannabinoid related to marijuana that is frequently laced with other drugs, said Dr. Sandy Bogucki of the Yale School of Public Health.In two cases, Narcan was not effective in the field, but a high dose of Narcan at the hospital was effective in combating the overdose effects. Because of that, authorities believe there was some form of opioid or synthetic fentanyl involved in the substance.The response from emergency responders has been "tremendous," Fontana said.He said authorities have been treating and sometimes transporting six or seven people at one time and the actions of first responders have been "lifesaving." 2131

As the debate over police defunding wages on in parts of the country, officials in Albuquerque, New Mexico have found a middle ground.Mayor Tim Keller recently introduced a plan to strip the police department of million each year to help create and fund a new department that would respond to certain 911 calls instead of police.He says the city is the first in the country to do this."It’s a public health approach to public safety,” said Keller.The new department would consist of service workers, public health personnel, and specialists who would respond to calls related to homelessness, mental illness, and drug overdoses."For modern history, every city has said we’ll either send police or fire,” said Keller. “It’s about restructuring, institutionally, how we respond.”"We’re not the experts. We go over there and a lot of times our officers don’t know what to do,” added Albuquerque Police Chief Michael Geier.Geirer says the introduction of the new department comes as a relief. His police department is already short-staffed with officers, so handing these calls off to specialized personnel would not only help his department but the public.“We’ll be able to handle the higher-priority calls, and then our response time, and our community engagement," he said. "There will be more trust in the community.”Greier says, to a degree, the Albuquerque Police Department has already started delegating certain calls to the fire department and it has spared officers from responding to nearly 15,000 calls in just the last few months--many of which could keep an officer on scene for hours.“We want to get past responding to the symptom of the root cause,” said Albuquerque Chief Administrative Officer Sarita Nair. “We want to get down to that root cause and start addressing issues there.”Mayor Keller says the move to create the new department was only made recently, so there will be substantial planning and public input before it actually goes into effect. 1979

At this point, it might be inevitable. Some of you will have your identities stolen.Nearly half of Americans had their personal information exposed during a breach at Equifax, the company announced last week.And it's just the latest hack. Sensitive data on about 80 million Anthem customers was accessed in 2015.These breaches are some of the worst because the information stolen (names, Social Security numbers, addresses) can be used by an imposter to open accounts in your name, steal your tax refund or your Social Security check."This is a goldmine of information for a thief," said Chi Chi Wu, an attorney at the National Consumer Law Center.When your credit card number is stolen, it's easier to fix. You call the credit card company to close the card and get a new number. In most cases, you won't be responsible for the charges. Some of the victims of the Equifax hack did have their credit card numbers exposed. Equifax will notify you in the mail if this is the case.But the credit rating bureau won't notify you directly if you're one of the 143 million people whose more sensitive information was stolen. You must go online to EquifaxSecurity2017.com to find out.First of all, don't panic. If your information was compromised, it does not mean your identity was stolen. There are some steps you can take right now, like placing a freeze on your credit reports, to help prevent it from happening.And even if everything seems fine now, you should also continue to keep a close eye on your accounts and credit reports because your identity might not be stolen right away.If you do find out that someone has created a new account in your name, you'll have to prove that you didn't open the account and you might have to clear bad debt information from your credit report.It could be a long, messy process. Here's where to start:1. Go to IdentityTheft.gov to file an identity theft reportThis is important because it will provide you with a document you'll need to send to other businesses where fraudulent accounts were opened -- not because the government will start investigating your personal case.The form asks you questions about who you are and what accounts were impacted. It doesn't ask for any other documents or even your Social Security number, said John Krebs, an attorney at the Federal Trade Commission.The website will also provide you with a recovery plan after you submit the information. The plan will vary depending on what kind of accounts were created or hacked.2. Put a freeze or fraud alert on your credit reportsYou can request the three credit rating agencies to freeze your credit. This will prevent anyone from opening additional new accounts in your name. You'll have to request to lift the freeze if you want to open a new line of credit yourself. There are usually fees to freeze and unfreeze that vary by state, but generally range between and .If this is too much of a hassle, you can put a free fraud alert on your credit reports instead. This will require creditors to take additional steps to verify your identity before issuing credit.The fraud alert usually lasts for 90 days and can be renewed. But after you fill out the identity theft report online, you can request an extended fraud alert that stays on your credit report for seven years.3. Request, in writing, to close fraudulent accountsContact the fraud department (not customer service) at each business where a new account was opened in your name to explain that someone stole your identity and request that the account be closed.The FTC provides a sample letter you can use to dispute these accounts. Include a copy of your identity theft report. In some cases, the creditor may also ask for a police report, which you must file with local law enforcement first."The creditor will have a higher tendency to believe you if you have the police report," Wu said.Ask the business to send you a letter confirming that the fraudulent account isn't yours, that you aren't liable for it, and that it was removed from your credit report.Under most state laws, you're not responsible for any debt incurred on fraudulent new accounts opened in your name without your permission, according to the FTC.4. Dispute any fraudulent information on your credit reportIf a thief uses your identity to create a new credit card account, for example, it will end up on your credit report. But you have no control over that account. If the imposter doesn't pay the bills, it can seriously hurt your credit score.You'll need to write to each of the three credit rating agencies to request that they remove the incorrect information.The FTC provides a sample letter you can use to explain the situation.You should hear from the agencies in about 30 days on how they are handling the dispute, Wu said.5. Prevent future fraudOnce you've cleared up the situation, remain vigilant. Just because you've reported an incident of identity theft, it doesn't mean it won't happen again.Keep a close eye on all your statements. Consider enrolling in a credit monitoring and theft protection service. If you've already frozen your credit reports, you'll have to temporarily lift the freeze in order to enroll in a monitoring service, according to the FTC.You should also try to file your taxes as early as possible next year -- before someone else tries to use your Social Security number to steal you return, suggests the Massachusetts Attorney General.In addition to your Social Security number, Equifax says that your driver's license number may also have been exposed. In some states, you can ask the Department of Motor Vehicles to place a flag on your license number. This will alert law enforcement to be extra careful identifying a person they pull over, according to the Identity Theft Resource Center. 5795