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Our child has a disability which means she will need regular ongoing physio. Are there any policies that offer good outpatient deals? At the moment we are with Irish Life but it only covers a small number of sessions PA.

My husband might be seconded across to the other side of the country with his job for a couple of years. I work in the public service for a voluntary hospital in a job I don't want to quit. Can I take a career break and work elsewhere - it doesn't seem so? Is there any way to get around this...

A new job post was created at work (public sector). Funding was provided for a ‘grade 4’ position. There was a part time worker who was entitled to take 1/2 of that position, which they did. However, they got their portion as a ‘grade 5’ because they had been working at that grade all along. My...

Snowyb, thanks so much I really appreciate your help!!

Thanks very much Snowyb, since I wrote I found out that we can get a discount on my husbands policy of 25% through his work but we have to go with Be Fit 3. I’m still not sure if this is a good policy even with the discount. Some of the other plans that you suggested seem better. Can you tell me...

I will and thanks for all the help! Have the forms sent in.

I (40) am on VHI Company plan extra level 2 that I use it quiet a bit and we have 2 children both of whom are on the same plan. The baby by default and a 3 year old. I’m due to renew next month and having both children on this plan seems a bit excessive and costly. The 3 year old has a...

Thank you, I’ll get moving on this for her. Even something small would be great for her.

She hasn’t a medical card. She has the drug payment card which caps at 134€. She’s just had a knee replacement and has back issues so she’s at the 134, plus necessary physio, plus vhi payments every month.

No, when my dad was alive and the medical card No she doesn’t.

Absolutely, I’ve said that to her but the estate agent isn’t changing things. She’s more inclined to go with the estate agents advice.

Thanks for all your replies. I’ll look into widows pension and apply for both straight away. Yes it’s frightening how people have to manage on this much, she is very frugal but medical expenses, bills, drugs, food etc all add up quickly. Currently trying to sell the family home to go somewhere...

My mum is 83, my father is deceased. She has no stamps as she never worked in Ireland; she did work in UK for 3 years but needs 10 years of NI contributions which she doesn’t have and it’s too late to buy more. She is receiving a pension from my deceased fathers pension of 1200 a month but is...

Snowyb thank you, that’s really helpful. It looks like there is a lot I can claim for that I didn’t realise. I hope this answer helps some others also, as I couldn’t find an answer myself about it!

I went for private obstetric care. Can I Claim obstetrician fees back. I know the hospital inpatient fees are covered but I’m not sure whether the visits are covered? My policy isn’t very clear. I’m on Vhi company plan extra level 2.

Sorry, my mails went into spam. Yes, as leo said they are the curved ceilings. When the weather is cold it comes straight through the curved point where there's no insulation.

We definitely don't have the space to go internal. There is damp in the curved part of the ceiling (the ceilings are raked) as there is zero insulation between that point and the roof. There is none anywhere else.

They are solid block.

Can anyone advise what is currently the best insulation material for external wall insulation? We are in a 1930's 3 bed end of terrace with raked ceilings and need to get insulation.

My husband and I are assessed jointly for tax. I have an revenue approved Income Continuance policy. Is the tax credit available for the Income Continuance plan transferable to my husband who is the primary earner?