Like I’ve mentioned in a few of my previous posts, this pandemic has brought on a lot of changes for everyone– but there is variation in how COVID-19 has impacted different groups of people. The experience of racial and ethnic minorities during this pandemic has been very different from other groups and is reflective of health outcomes that often exist for minorities in the U.S.
COVID-19
In New York City, the death rates for Black/African American individuals is much higher due to the virus, than it is for other racial/ethnic groups (1). The chart below shows the disproportionality of the effects of COVID on the population of African American individuals in a few states. 
Compared to the total state population, the majority of patients affected by COVID are African American (2).
These disparities exist not only during this pandemic, but in healthcare in general:
Reasons for the Disparity
People who belong to racial or ethnic minority groups experience the health care system differently than others– many of the existing disparities in society lead to poorer health outcomes, as well as greater vulnerability to viruses and other illnesses. Many minority groups live in heavily populated areas or live in households with multiple generations, where social distancing might not be possible (1). Many work hourly, so health benefits are not part of the package and health services become difficult to access (2). There is also a much higher population of racial and ethnic minorities in jails, prisons, etc. which are again, places that increase the risk of spread of viruses and other illnesses (1).
Also, because of the social distancing measures that have to be taken because of the pandemic, there has been a decrease in quality of care for patients who don’t speak English (4). Before, interpreters/translators could be present in person during a patient’s visit, which makes it much easier to translate and understand the patient’s concerns and symptoms. Now, a lot of interpreters have to work over the phone and it’s possible that a lot of information is getting lost in translation because it’s just harder to have a conversation and understand each other that way.
While the pandemic has affected everyone in one way or another, it has not affected everyone equally. The social determinants of health that I talked about in my first blog, in addition to factors such as racism, geographic location, and poverty, play a large part in deciding how an individual is affected. Unfortunately, the same level and quality of healthcare are not available to every person. Moving towards a system that addresses these disparities and provides excellent health care to each patient will involve first resolving the inequalities that exist in health care delivery in general and access to healthier food, exercise, etc. Additionally, training healthcare providers to better understand cultural differences and barriers to care could improve health outcomes for minority groups (3).
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債務重組破產分別 ， 我們要去 定義 到底是什麼 債務重組。DEBT重組 與 協定 到達債權人和借款人之間 如果是 借款人無法償還 你的債務 在 是時候讓你了 調整 最初 債務條款，包括延長還款期，減少 興趣水平，或直接免除部分債務。 不僅可以 幫助企業結束 財務困難，，，， 但是也 有效地 減少 缺乏 債權人。
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債務重組是 一種簡單的方法 財務管理，這 被設計為 幫助企業或個人重新安排債務 為了他們 可以更好地償還。此過程涉及與債權人的談判 到達 創新的新 還款計劃， 經常 減少每月還款金額和 利率，或延長還款期。IVA（個人自願安排）是 一種 債務重組， 將是 主要是 適合 個人。通過談判，債務人可以償還 主 債務內部 特定的 大體時間，，，， 和 尾 或許 豁免，從而減輕了個人財務負擔。
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債務舒緩
現在 全球經濟環境，債務問題 已經變成了 專業 挑戰 對於許多人 企業 也 國家。隨著經濟增長和市場變化的放緩，許多實體面臨 風險 破裂 主要城市 鏈。在這種情況下，債務重組和 債務和解 已經變成了 必不可少的 解決方案。這篇文章將深入探索 這是，特徵，實施過程 及其特殊 效果 企業 和個人。
第一的， 我們將 定義 是什麼 債務重組。DEBT重組 與 協定 到達債權人和借款人之間 一旦 借款人無法償還 債務 在 是時候讓你了 調整 最初 債務條款，包括延長還款期，減少 利率，或直接免除部分債務。 不僅可以 幫助企業結束 財務困難，，，， 但此外 有效地 穩步減少 缺乏 債權人。
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SteensenDalton1061
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BurnettHolt8706
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CrossAagesen5856
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TorpMoon6906
債務舒緩費用
債務重組 指的是 手段 到達 一個全新的 面對債權人通過與債權人進行談判的還款計劃 財務困難 這樣你就可以 減少 還款的壓力和 改善 財務狀況。這個過程通常 需要 重新分配債務的條件， 可能是 包括延長還款期，減少 利率，，，， 也 減少一些債務 很多人 那是 在經濟困難中，債務重組是一個可行的解決方案 那會有所幫助 他們 防止 破產的嚴重後果。
在此過程中 債務重組，IVA（個人自願安排） 很常見 選擇 這樣可以 個人制定 合理的 還款計劃和還款 主 債務內部 特定的 一段時間. iva 的指控 通常是 由專業顧問收集 他們要去 幫助債務人 準備 計劃並與債權人進行談判。 恰到好處 IVA提供商 至關重要，，，， 作為 不同公司之間的服務質量和充電標準 可能非常 不同的。
此外， 你會找到的 明顯的 考慮時的差異 債
ChapmanMcClure7844
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