Abstract: Disclosed is a novel disability insurance product that provides a benefit to the purchaser. The insurance product comprises a disability insurance product which offers coverage for a predetermined limited period of time. If at the end of the predetermined period of time the insured individual is still disabled according to the terms of the insurance product, the insurance provider will pay a lump sum benefit.

Abstract: Embodiments herein provide a flexible accessory panel with apertures from which items may be suspended. In particular, receptacles for fluids draining from a patient may be suspended from the apertures, which are retained at a level below that of the patient, maintaining a gravitational flow. Maintaining downward flow of the draining fluids limits the backflow of draining fluid to the patient and reduces the risk of infection.

Abstract: An item locator for locating an item comprising a receiver for receiving a wireless signal, including a specific code, a memory for storing a programmed code, a comparator for comparing the received specific code and the programmed code, and an alerter for outputting an alert signal when the received specific code and the programmed code match. The item locator may be a separate device or built-into the item. The wireless signal may be transmitted from a landline telephone, cellular telephone, a computer, an iPod, Bluetooth device (with or without the programmed code) or a blackberry, for example.

Abstract: Embodiments herein provide a flexible accessory panel with apertures from which items may be suspended. In particular, receptacles for fluids draining from a patient may be suspended from the apertures, which are retained at a level below that of the patient, maintaining a gravitational flow. Maintaining downward flow of the draining fluids limits the backflow of draining fluid to the patient and reduces the risk of infection.

Abstract: Disclosed is a novel disability insurance product that provides a benefit to the purchaser. The insurance product comprises a disability insurance product which offers coverage for a predetermined limited period of time. If at the end of the predetermined period of time the insured individual is still disabled according to the terms of the insurance product, the insurance provider will pay a lump sum benefit.