During his speech at the TRIC Awards this week, Eamonn made a comment which many took to be a veiled swipe towards Ruth.

Eamonn attended the event on Tuesday. The former This Morning host was nominated for Best News Presenter and Best News Broadcast for GB News.

Eamonn Holmes and Ruth Langsford

He notably arrived in a wheelchair due to health problems. During his acceptance speech, Eamonn made a remark whilst accepting the award for Best News Broadcast.

“I went for an operation a year and a half ago and it went wrong. I got two things in my back that I didn’t want,” he said.

Many interpreted this comment as a jab at his recent split from Ruth. A MailOnline source even claimed that Ruth was “hurt” by the comment.

However, in light of these interpretations, a spokesperson for Eamonn has clarified the intent behind his remarks.

In a statement to the Mirror, the spokesperson confirmed: “Eamonn’s comments had nothing to do with anything other than the two pins in his back after his surgeries.”

Eamonn Holmes and Ruth Langsford split

Ruth and Eamonn announced their separation in May. The duo had been married for 14 years and shared a son together.

At the TRIC Awards, Eamonn addressed the separation briefly in an interview with The Mirror.

“I’m not OK. This is not a good time at all,” he shared of his ongoing health issues. Commenting on Ruth, he added: “It’s too early to say but I hope we can still be friends.”

Meanwhile, Ruth has maintained a low profile during this period and decided to temporarily step away from her presenter duties on Loose Women.

Despite the separation, she has been seen still wearing her wedding ring.

And amidst these personal challenges, Ruth was recently seen enjoying a night out with close friend Anton Du Beke.

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Source: USA Today

 Understanding Deductibles in Insurance

What is a Deductible?

A deductible is the amount of money a policyholder must pay out-of-pocket before an insurance company begins to cover the remaining costs. Deductibles are a fundamental component of most insurance policies, including health, auto, home, and business insurance.

How Do Deductibles Work?

When you file a claim, you are responsible for paying the deductible amount. Only after this amount is paid will the insurance company pay for the covered expenses exceeding the deductible. For example, if you have a $1,000 deductible on your car insurance and incur $3,000 in damages from an accident, you would pay the first $1,000, and the insurance company would cover the remaining $2,000.

Types of Deductibles

1. Fixed Dollar Deductible: This is a specific amount you must pay each time you file a claim. It’s common in health and auto insurance policies.
2. Percentage Deductible: In some cases, particularly with homeowners insurance, the deductible might be a percentage of the insured value. For instance, if your home is insured for $200,000 and you have a 2% deductible, your out-of-pocket cost would be $4,000 before insurance covers the rest.
3. Per-Claim vs. Annual Deductible:
   • Per-Claim Deductible: You pay the deductible every time you file a claim.
   • Annual Deductible: Common in health insurance, this deductible resets each year. You pay out-of-pocket until your total expenses reach the deductible amount for the year.

Why Do Deductibles Exist?

1. Cost Control: Deductibles help keep insurance premiums more affordable. Higher deductibles typically result in lower premiums because the policyholder assumes more initial risk.
2. Reduced Claims Frequency: Deductibles discourage policyholders from filing small or frivolous claims, reducing the number of claims an insurer must process and pay out.
3. Shared Responsibility: Deductibles ensure that policyholders share in the financial responsibility of their care or damages, promoting cautious behavior and maintenance of insured assets.

Choosing the Right Deductible

When selecting an insurance policy, choosing the right deductible is crucial. Here are some considerations:

1. Financial Ability: Assess your ability to pay the deductible in case of a claim. A higher deductible can lower your premium but may be challenging to pay if an incident occurs.
2. Risk Tolerance: Determine how much risk you are comfortable assuming. If you prefer lower out-of-pocket costs during an emergency, a lower deductible might be preferable, albeit with a higher premium.
3. Frequency of Claims: Consider how often you might need to file a claim. If you anticipate frequent claims, a lower deductible might be more cost-effective over time.

Impact on Premiums

The relationship between deductibles and premiums is inverse. Generally, the higher the deductible, the lower the premium, and vice versa. This trade-off allows policyholders to customize their insurance based on their financial situation and risk appetite.

Conclusion

Deductibles are a key feature of insurance policies that influence both the cost of premiums and the financial burden on policyholders when filing claims. Understanding how deductibles work and carefully selecting an appropriate deductible can help balance cost savings with financial protection, ensuring optimal insurance coverage tailored to individual needs and circumstances.