Monday, July 20

Zimbabwe Government Offers Land As Compensation For 800 Seized Farms

HARARE (Reuters) - Zimbabwe’s government will offer land as compensation for nearly 800 farms it seized under its land acquisition policy since 2000, according to regulations published on Thursday.

Under former President Robert Mugabe, Zimbabwe took over some 5,000 farms, mostly from white farmers, saying the policy was meant to address colonial imbalances. But the land seizures triggered economic collapse.The southern African country’s new Constitution, agreed with the opposition in 2013, provides for compensation of all farmers whose land was seized by the state. However, Zimbabwe’s economic woes mean it has struggled to pay the former farmers.

It set aside US$17.5 million in its 2019 budget and a further 380 million Zimbabwe dollars (US$21 million) for the same purpose this year. The former farmers are demanding nearly US$7 billion in compensation, according to a committee representing them in negotiations with government. In a change of approach, the government of President Emmerson Mnangagwa, who replaced Mugabe after a coup in 2017, is offering some of the dispossessed farmers land as compensation, according to the regulations.

The dispossessed farmers covered in the land compensation scheme are citizens of countries that have bilateral investment agreements with Zimbabwe, as well as some black Zimbabwean commercial farmers who lost their farms. These countries include former colonial ruler Britain, South Africa, Germany, Denmark, the Netherlands and Switzerland, all of which had significant numbers of farmers in Zimbabwe.It was not yet known whether the farmers would accept the offer.

In 2015, the International Centre for Settlement of Investment Disputes, which is part of the World Bank group, ordered Zimbabwe to pay US$196 million compensation to a Swiss-German family whose farm had been seized by the government. Zimbabwe lost a bid to have the compensation award annulled in 2018. Zimbabwe’s government is still in talks with white Zimbabwean farmers on compensation for the loss of their farms. (Reporting by Nelson Banya)

  • Share:

Info News

Medicare Plan Costs: Premiums, Deductibles, Copays, and Out-of-Pocket Expenses Explained

Medicare plan costs, Medicare premiums, Medicare deductible, Medicare copays, Medicare out-of-pocket costs, Medicare Advantage cost, Medicare Part D cost

Medicare Plan Costs Explained

Medicare costs can be confusing because there is no single price.

Your total cost depends on your coverage choices, prescriptions, doctors, health needs, and plan type.

A plan with a low monthly premium may still cost more if your prescriptions, hospital visits, or specialist care are expensive. A plan with a higher premium may reduce surprise out-of-pocket costs.

The key is to compare total annual cost, not just the advertised premium.

Common Medicare Costs

Medicare costs may include:

Premiums
Deductibles
Copayments
Coinsurance
Prescription drug costs
Out-of-network costs
Dental or vision costs
Medigap premiums
Late enrollment penalties

Premium

A premium is the amount you pay monthly for coverage.

You may pay premiums for:

Part B
Medicare Advantage
Part D
Medigap
Dental or vision coverage

Some Medicare Advantage plans advertise low or $0 premiums, but you may still pay the Part B premium and other costs.

Deductible

A deductible is the amount you pay before coverage begins for certain services or drugs.

Deductibles can apply to:

Part A
Part B
Part D
Medicare Advantage services
Drug coverage

Always check whether the deductible applies to your specific services or medications.

Copayment

A copayment is a fixed amount you pay for a service.

Examples:

Primary care visit
Specialist visit
Urgent care
Emergency room
Prescription refill
Physical therapy

Copays are common in Medicare Advantage and Part D plans.

Coinsurance

Coinsurance is a percentage of the cost you pay.

For example, if your coinsurance is 20%, your cost depends on the approved amount or plan cost structure.

Maximum Out-of-Pocket Cost

Medicare Advantage plans include an annual out-of-pocket limit for covered medical services.

This can help protect against unlimited medical costs, but the amount varies by plan.

Original Medicare does not work the same way, which is why some people buy Medigap.

Medigap Costs

Medigap policies charge monthly premiums. In return, they may help pay certain out-of-pocket costs in Original Medicare.

Medicare says Medigap helps pay costs like copayments, coinsurance, and deductibles under Original Medicare.

Medigap premiums vary by company, location, age, tobacco use, and plan letter.

Part D Drug Costs

Part D costs can include:

Premium
Deductible
Copays
Coinsurance
Preferred pharmacy pricing
Specialty drug costs

For 2026, Medicare says Part D-covered prescription drug out-of-pocket costs are capped at $2,100 for the year.

Part D Penalty

Medicare says the 2026 Part D late enrollment penalty is calculated using 1% of the national base beneficiary premium, which is $38.99 in 2026, multiplied by the number of full uncovered months without creditable drug coverage.

This is why people should be cautious about going without drug coverage.

How to Estimate Your Medicare Costs

To estimate total cost, add:

Monthly premiums
Expected doctor visits
Specialist visits
Prescription costs
Hospital risk
Dental/vision needs
Out-of-network exposure
Medigap premium if applicable
Maximum out-of-pocket risk

A good plan is not just affordable on a normal month. It should also make sense if your health care needs increase.

Ways to Lower Medicare Costs

You may be able to reduce costs by:

Comparing plans every year
Using preferred pharmacies
Checking generic alternatives with your doctor
Applying for Extra Help if eligible
Choosing in-network providers
Reviewing drug formularies
Avoiding late enrollment penalties
Using preventive services
Comparing Medigap premiums

Extra Help can assist people with limited income and resources with Part D premiums, deductibles, coinsurance, and other drug costs.

Final Thoughts

Medicare costs are more than monthly premiums.

To choose wisely, compare premiums, deductibles, copays, coinsurance, drug costs, provider access, and out-of-pocket limits.

The best Medicare plan is the one that gives you reliable coverage at a total cost you can manage.

Wrongful Death Lawyer: Helping Families After A Fatal Accident

Losing a loved one because of someone else’s negligence is devastating. Families may be left with grief, funeral costs, medical bills, lost income, and unanswered questions. A wrongful death lawyer helps families seek justice after a fatal accident.

Wrongful death cases may involve car accidents, truck crashes, workplace incidents, medical malpractice, defective products, nursing home neglect, or violent acts. These claims are not just about money. They are about accountability and financial support for surviving family members.

Compensation in a wrongful death case may include funeral expenses, medical bills before death, loss of income, loss of companionship, emotional suffering, and loss of future financial support.

The person allowed to file a wrongful death claim depends on state law. It may be a spouse, child, parent, estate representative, or other family member.

These cases can be emotionally difficult and legally complex. A lawyer can investigate the accident, preserve evidence, identify responsible parties, and deal with insurance companies while the family focuses on healing.

There are strict deadlines for filing wrongful death lawsuits. Waiting too long can damage the case or prevent the family from recovering compensation.

If a loved one died because of negligence, speaking with a wrongful death attorney can help the family understand their rights and next steps.