happy family in car protected by AD&D insurance

The Unsuspecting Reason Why AD&D May Be For You

2019-02-18
, , , Health and Wellness

No one wants to think about their death, and for young professionals just starting their careers and families, the idea of contemplating the unimaginable can be even more unsettling. You are just getting on your feet and the last thing you are prepared to start thinking about are things such as life insurance and Accidental Death & Dismemberment (AD&D) insurance. But instead of dwelling on the complicated process of obtaining life insurance, is it possible that AD&D insurance may be the first and easiest step in protecting your loved ones should something happen to you?

Know Your Odds

According to a 2015 report issued by the Centers for Disease Control (CDC), if you are between the ages of 18 and 44 you are most likely to die in some sort of accident or “unintentional injury” rather than due to disease or congenital anomalies. Eating right, exercising often, and leading an overall healthy lifestyle may be a great way to guard yourself against health issues such as heart disease but when it comes to preventing debilitating accidents, these things have no effect on chance.

Of all accidents, car accidents are the most common with an estimated 1.3 million deaths a year, averaging out to 3,287 deaths per day with an additional twenty to fifty million people becoming injured or disabled every year according to the Association For Safe International Road Travel.

How AD&D Insurance Can Help Protect Your Loved Ones

For those involved in serious accidents, recovery time can take anywhere from days to months, or even longer depending on the severity of the injury. Could you afford to be out of work for an extended period of time? If you were injured so severely that you required an amputation, forever altering your lifestyle, as well as potential job prospects, could you afford to be out of a job while recovering and retraining your muscles as well as your mind? And if the worst should happen, could your family sustain themselves without the aid of your income?

This is where the importance of Accidental Death & Dismemberment (AD&D) insurance comes in to play. No one ever plans for an accident to occur, but what if there were a way that you could? According to the 2012 Life Happens Disability Survey, approximately half of all Americans wouldn’t be able to cover their own expenses after just a single month without receiving a paycheck.

Statistics like these can be scary but they don’t need to be. AD&D insurance could help in the face of uncertainty. Your family’s welfare is important and with AD&D insurance, you can help to safeguard your family’s financial security in the event you are no longer able to provide for them should you experience a debilitating or fatal accident.

Learn More About AD&D Insurance

While the two can sometimes be purchased together, it is important to understand that AD&D insurance is not Term Life insurance. AD&D typically does not issue a payout on your policy in the event you pass due to a terminal illness; AD&D insurance will, in most cases, issue a payout should you fall victim to a serious accident resulting in the loss of limb, senses, or life.

business man sitting at a cafe discussing his health options on his cell phone

I Missed Open Enrollment and Need Health Coverage — What Are My Options?

2019-01-24
, , , , , , , Health and Wellness

The next official ACA Open Enrollment period isn’t slated to begin until November 1, 2019. But depending on your circumstances, you may not have to wait that long to obtain coverage.

Qualifying Life Events and Special Enrollment Periods

Sometimes our circumstances change, and if they change due to specific events, you and your dependents may be able to secure health insurance through a Special Enrollment Period. When this occurs, it is called a Qualifying Life Event, otherwise referred to as a QLE.

There are several types of Qualifying Life Events that may grant you a Special Enrollment Period. Some of the most common examples include:

  • Loss of health coverage
    • Losing existing health coverage – including job-based, individual, and student plans
    • Losing eligibility for Medicare, Medicaid, or CHIP
    • Turning 26 and losing coverage through a parent’s plan
  • Changes in household size
    • Getting married or divorced
    • Having a baby or adopting a child
    • Death in the family
  • Changes in residence
    • Moving to a different ZIP code or county
    • A student moving to or from the place they attend school
    • A seasonal worker moving to or from the place they both live and work
    • Moving to or from a shelter or other transitional housing
  • Other qualifying events
    • Changes in your income that affect the coverage you qualify for
    • Gaining membership in a federally recognized tribe, or status as an Alaska Native Claims Settlement Act (ANCSA) Corporation shareholder
    • Becoming a U.S. citizen
    • Leaving incarceration (jail or prison)
    • AmeriCorps members starting or ending their service

Non-ACA Health Plans

Haven’t experienced a QLE but still need health coverage? A non-ACA health plan could be the answer. Also referred to as Short Term Medical Plans, recent legislative changes have loosened the restrictions surrounding these plans and have increased their appeal.

Previously, a Short-Term Medical plan could only provide coverage for up to 90 days. But due to recent regulatory changes, these plans can now be continued for up to a year.  Additionally, in some cases applicants may now renew their plan for up to three years.

Because Short-Term Medical Plans are considered non-ACA health plans, it is worth noting that they may not cover all that an ACA health plan would. For example, applicants could be denied coverage due to a pre-existing medical condition, maternity care may not be covered, and there could be an annual dollar limit on coverage. However, these plans are also typically less expensive than ACA plans and could be a good alternative for individuals seeking more affordable options.

medical dna test tubes

What You Should Know: Home Breast Cancer DNA Tests

2019-01-09
, , , , Health and Wellness

In March of this year, ancestry DNA testing giant, 23andMe, announced that they would begin testing user DNA for Breast Cancer genes, more specifically identified as the BRCA1 and BRCA2 genes. While technically able to test for these genes for years, it wasn’t until this past March that the FDA officially signed off on it, therefore, making the 23andMe at-home DNA test, the first FDA-approved direct-to-consumer test to evaluate one’s potential risk for cancer.

What Can Your DNA Reveal

The test is offered as an add-on to 23andMe’s standard ancestry report for a total of $199 and is delivered alongside a variety of other reports designed to tell you if you possess certain genetic markers which may suggest a predisposition to things such as:

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young woman wearing glasses and smiling

6 Best Online Stores to Purchase Eyeglasses From

2018-12-27
, , , Health and Wellness

With a variety of lens materials, types, and coatings available to choose from – sitting in your optometrist’s office listening to the tech rattle off your options can understandably feel overwhelming. For the most part, consumers want something to get the job done at the lowest possible price unless they have other very specific concerns.

However, depending on your location, prescription strength and needs, as well as your eye doctor, you could be spending anywhere from approximately $95 to over $1,000 for a pair of prescription eyeglasses. According to health.costhelper.com , consumers spend on average approximately $196 for a pair of eyeglasses, and until fairly recently they didn’t have much of a choice.

However, over the course of the past 10 to 15 years, a new kind of eyeglass business has hit the market, cutting out the middleman, and cutting the ultimate cost for consumers. Zenni Optical, for example, will sell the complete set of fashionable eyeglasses (frame and lenses) for as low as $12, and their competitors aren’t too far behind.

Just in the past five years, a number of these online eyeglass retailers have been the talk of the fiscally conscious eyeglass consumer community since their inception.

But with all of these new online retailers on the market, which ones are the best to purchase eyeglasses from?

Read More
man and daughter filling out paperwork at a front desk

The Cost Of Not Having Dental Insurance

2018-12-20
, Health and Wellness

If you and your family have been skipping trips to the dentist, you’re not alone. “For every adult without health insurance, an estimated three lack dental insurance” this comes according to a quote issued by the Kaiser Family Foundation based off of research conducted by the National Association of Dental Plans.

A Key Component Of Overall Health and Hygiene

But what so few realize is the close relationship between one’s oral health and their overall health. A person’s mouth is a haven for potentially harmful bacteria, regular flossing, brushing, and cleanings can keep the bacteria at bay but when a person is neglecting their teeth, the bacteria can build and lead to infections, tooth decay, and gum disease. From there, it is possible for the bacteria to enter the bloodstream and travel to other parts of the body leading to other serious problems.

According to Mayoclinic.org, the following have been found to possibly share a link with poor oral care:

  • Endocarditis is an infection of the inner lining of your heart (endocardium). Endocarditis typically occurs when bacteria or other germs from another part of your body, such as your mouth, spread through your bloodstream and attach to damaged areas in your heart.
  • Cardiovascular disease. Some research suggests that heart disease, clogged arteries, and stroke might be linked to the inflammation and infections that oral bacteria can cause.
  • Pregnancy and birth. Periodontitis has been linked to premature birth and low birth weight.

And if you suffer from any of the following conditions, your oral health may be at risk of deterioration without extra care administered by a dental professional:

  • Diabetes reduces the body’s resistance to infection — putting the gums at risk. Gum disease appears to be more frequent and severe among people who have diabetes. Research shows that people who have gum disease have a harder time controlling their blood sugar levels and that regular periodontal care can improve diabetes control.
  • HIV/AIDS. Oral problems, such as painful mucosal lesions, are common in people who have HIV/AIDS.
  • Osteoporosis — which causes bones to become weak and brittle — might be linked to periodontal bone loss and tooth loss. Drugs used to treat osteoporosis carry a small risk of damage to the bones of the jaw.
  • Alzheimer’s disease. Worsening oral health is seen as Alzheimer’s disease progresses.

In addition to the most noted above health issues, poor oral health has also been linked to such health issues as eating disorders, rheumatoid arthritis, head and neck cancers, and Sjogren’s syndrome among others.

Dental Insurance Can Help

When a person develops a cold, or the flu, that’s when they know they need to take it easy for a few days and give their body time to rest and recharge. But when it comes to your teeth, symptoms of ailing oral health may not be so obvious. This is why it is important to visit your dentist for routine exams and cleanings to avoid problems down the road.

People sitting on a bench looking at mobile devices

Myopia and Millennials: The Trend No One Saw Coming

2018-12-12
, , , Health and Wellness

According to a Nielson Company audience report, it is estimated that the average American spends over 10 hours behind a screen consuming digital media and content. But is this much screen time actually helping us or hurting us?

As it happens, a number of studies have recently come out against the rapid increase in screen time for everyone from toddlers to senior citizens. In fact, some of these studies have shown a correlation between increased screen time and the following:

  • Depression
  • Anxiety
  • Cynicism
  • Shortened Attention Span
  • Decreased Social Skills
  • Isolation
  • Changes In Sleep Patterns

These are just a few of the negative effects linked to the world’s growing dependency on media whether it comes from your television, computer, or myriad of smart devices.

But beyond the studied and documented negative mental and social effects, could our digital habits also be related to our actual physical health?

Millennials, Media, and Myopia

Based on the Nielsen Q1 2016 Total Audience Report, it is estimated that while U.S. adults spend an average of 10 hours and 39 minutes each day consuming media, for the Millennial generation, that number can be as high as 18 hours a day.

Interestingly enough, as the hours spent consuming digital media continues to increase, so do the recorded cases of myopia, more commonly referred to as shortsightedness, which is where a person is able to see things close up but has difficulty when trying to view things from a distance.

Myopia is commonly attributed to what happens when the eye grows too long horizontally, causing the lens of the eye to focus what the individual is trying to view in front of the retina versus on the retina. Myopia can also be the result of an overly curved cornea or an overly thick lens.

The Epidemic No One Saw Coming

However, over the course of the past decade Ophthalmologists are now beginning to credit our various media devices with a third cause of myopia.

In an interview with WIRED correspondent Duncan Nicholls, ophthalmologist Andrew Bastawrous was quoted as saying “There’s definitely a myopia epidemic. Many more people are becoming shortsighted than they were a decade ago. The implications of this are not just that there are more people needing glasses, but that their condition is pathological. Their myopia is due to the eyeball growing, particularly in populations of Asian descent, at a rate that is causing even potential severe visual impairment, through glaucoma retinal detachment and other retinal problems.”

Bastawrous goes on to say use the country of Singapore as an example by asserting that “more than 90 percent of school children are leaving school myopic.”

In fact, it has been estimated that here in the United States myopia rates have doubled over the last generation. Leading countless Millennials to invest in preserving their eye health.

And what are Ophthalmologists claiming is a key factor in this uptick in shortsightedness? The numerous digital screens we place in front of us every day.

One theory is that as we spend increasing amounts of time in front of our televisions, computers, and smart devices, our eyes are gradually becoming more and more accustomed to only needing to see a few feet in front of us instead of long distances. A second theory is that our eyes are not receiving enough natural sunlight because we are spending more time indoors— a theory that yet again, may have significant ties to increases in screen time.

Protecting Your Eye Health

Do you find yourself needing to squint to try to see distant objects, do you often experience headaches, blink or rub your eyes frequently?

If so, it may be time to visit your eye doctor.

When was the last time you visited an optometrist? For those without perfect vision, it is recommended that one visit the eye doctor once every twelve months to look for any adjustments that may be needed in your eye prescription.

young african american woman on the couch wearing blue blocking eye glasses looking at her laptop

Blue Blocker Lenses: Are They Worth The Hype?

2018-12-04
, , , Health and Wellness

As our bodies continue to age, it is understandable that we begin to experience more changes. And whether we like it or not, doctors and other medical specialists are here to help us make sure that our bodies are operating at the very best levels that they can and when they are not, doctors are the people we visit to find out why.

For example, declining eyesight is one of the most common and most easily diagnosable issues our bodies may encounter throughout our lives. Worsening eyesight is often associated with getting older and while there are a variety of reasons and levels of severity, ultimately poor eyesight is typically very treatable except in certain circumstances.

As a general rule of thumb, it is suggested that you should visit the eye doctor once every one to two years. Even if you don’t feel your eyesight has changed, an optometrist will be able to know for sure and make any adjustments to your eye prescription as necessary.

The Introduction Of Blue Blocker Lenses

If your eyesight has changed over the past five years and you have needed to purchase new eyeglass lenses, you may have been asked if you were interested in adding Blue Blocker Lens Protection. This is something you may have never heard of before.

Blue Blocker lenses have been designed to filter out blue light. Older examples of these lenses may have appeared to have a yellow tint, but newer blue light-blocking lenses look like all other lenses types with little to no color difference. But what is this blue light and why should you pay extra to block it?

Blue light is not a new phenomenon though our recent levels of prolonged exposure to them certainly is. Blue light occurs naturally in nature and is partially responsible for helping to keep our circadian rhythms (sleep cycles) normal. The problem is that over the past few decades our exposure to non-natural blue-light producing objects has dramatically increased through our increased exposure to certain manmade lighting, television screens, computer monitors, laptops, and a myriad of other smart devices.

You may have heard that too much screen time can be bad for your health, but what happens when prolonged exposure to our various everyday screens is unavoidable?

Blue Blocker Lenses For The Modern World

According to a 2016 Nielson Company audience report, it is estimated that everyday adults in the United States consume nearly 11 hours of media. For many American workers, their very jobs dictate that they must spend at least seven hours in front of their computer screens alone. Free time out or at home often includes watching tv, movies, or even the news, while periodically checking our smart devices for even more content.

As a result, recent studies have indicated a correlation between an increase in diagnosed cases of Myopia (shortsightedness) among individuals who spend increased amounts of time in front of a screen— most notably, the Millennial generation.

Blue blocker lenses have been designed to help us better take care of our eyes in the modern world, but are they really all they’re cracked up to be?

The truth is that for the most part, the science is too new and experts disagree on whether these lenses can improve overall eye health. One aspect of our daily lives that blue light-blocking lenses do appear to help with is regulating our sleep cycles.

According to a 2018 article from the Strategist, author Maxine Builder writes “In a perfect world, you’d start to avoid blue-enriched light from screens four hours before bedtime. ‘That is hard for a lot of people to swallow,’ admits Goldstein, ‘so we do sometimes recommend blue-light-blocking glasses at that time.’ And there’s a growing body of research to back up the claim that blocking blue light before bed can help you sleep better. In one study, from 2009, volunteers who wore blue-light-blocking glasses three hours before bedtime reported better sleep quality and mood than those who didn’t. A more recent study of teenage boys found similar results.”

Protecting Your Vision Health

When was the last time you visited an optometrist? For those without perfect vision, it is recommended that one visit the eye doctor once every twelve months to look for any adjustments that may be needed to your eye prescription.

Have you noticed an increase in difficulty falling asleep and find it hard to pry your eyes from blue-lit screens, or your eyes feel strained after a long day at your desk? Do you find yourself needing to squint to try to see distant objects or read things up close? Do you often experience headaches, blink, or rub your eyes frequently?

If so, it may be time to visit your eye doctor and assess your overall vision health.

young female professional stressed at work

Could Workplace Stress Become A Workers’ Compensation Claim?

2018-11-28
, , Health and Wellness

According to a CBS News article, it has been estimated that roughly 8.3 million Americans suffer from some form of psychological distress such as a general hopeless or nervous disposition or even clinically diagnosable depression and anxiety-related disorders such as PTSD. While the cause for the sudden uptick in depression, anxiety, addiction, and general stress has been linked to everything from overzealous doctors, supervisors, and hostile work environments, to politics and the economy, and the concern over the ever-increasing amount of “screen time” Americans spend per day, the truth is that no one is able to one-hundred-percent identify the source.

While psychology experts and the media keep digging into just what is causing the rise in stress-related disorders and situations, many of those suffering are plagued with the maybe more important question of what are we going to do about it?

The State Of Workplace Stress In America

Whether people are truly experiencing more stress, depression, and anxiety than in decades past or just simply admitting it more and seeking treatment, is unknown. What is known is that it is happening and those suffering are looking for help.

So, what happens when one’s work or workplace is considered a major stressor? This can be especially true in the legal profession where studies estimate 28 percent of lawyers and legal professionals struggle with depression, anxiety, and even in some cases addiction. Could that professional experiencing extreme stress seek to claim their elevated levels of stress as a workers’ comp. claim?

The idea may not be as far-fetched as it sounds and is already on the books in at least one U.S. state.

Thanks to California Labor Code 3208.3, it has become possible for employees to file workers’ compensation claims due to high levels of stress— known as a psychiatric injury. If a person filing a claim is able to prove that they are under a debilitating amount of stress in relation to their work, they may be awarded workers’ comp. payments.

However, under California law, there are some stipulations when it comes to attempting to file a workers’ comp. claim for psychiatric injury.

  • The claimant must have at least six months of work history with the employer.
  • The psychiatric condition being filed is listed in the Diagnostic and Statistical Manual of Mental Disorders (DSM-IV) by the American Psychiatric Association (APA).
  • The claimant can prove that the events of, and surrounding, your employment are the predominant cause of your psychiatric condition (51 percent or higher).
  • The claimant’s psychiatric condition was not caused by good faith, non-discriminatory personnel actions by your employers (e.g. criticism of your attendance or work, change in assignments, or decisions about raises and promotions).
  • The claimant’s psychiatric condition was not caused by the litigation process.
  • The claimant’s psychiatric condition was filed after termination or notice of termination from their job unless the employer knew about the psychiatric injury or treatment for a psychiatric disorder prior to termination.

What This Could Mean For Your Business

As the stigma surrounding mental health concerns continues to wane, it only makes sense that more and more courts will undoubtedly preside over more workers’ comp. psychiatric injury cases. Reach out to someone who may need help today.

closeup of someone at their laptop holding a coffee cup

Invisible Disabilities And The Battles Within

2018-11-22
, , Health and Wellness

Throughout the history of civilization, there have always been things that we did not understand— things that we believed to be real but couldn’t see. Faith, love— even germs all spring to mind though we may not have always had a scientific name for them.

While the human race has come a long way from our earliest beginnings, the simple truth is that science is ever-evolving and new things are discovered every day. Just as today we may laugh at some of the ancestral medical practices of the middle ages, our descendants may one day do the same to us.

The same could also be said for the discovery and further understanding and treatment of ailments previously attributed to an imbalance of the four humors or even demons.

The New Science On Invisible Disabilities

Most recently there has been a renewed focus on debilitating illnesses and diseases that may not always visible to the naked eye or even some advanced diagnostic testing techniques available to doctors and hospitals throughout the world. These ailments have been given the term invisible disabilities.

According to the Invisible Disabilities Association, in simple terms, an invisible disability is considered to be a physical, mental, or neurological condition that limits one’s mobility or senses to the point where the severely impact the individual’s everyday life and activities. Unlike other disabilities, invisible disabilities are imperceptible to onlookers and therefore can sometimes lead to misunderstandings, false perceptions, and judgment.

For example, according to the American Physical Therapy Association, “Chronic fatigue syndrome (CFS) has come a long way since the 1980s when it was widely dismissed as ‘yuppie flu’ and was suspected by many health care providers of being a psychological rather than a physiological condition.” To date, there is no definitive test for CFS and it is instead considered to be diagnosed but exclusion.

Another well-known illness for which there is no definitive test to confirm its existence is fibromyalgia. The reigning Queen of Pop (disagree, if you dare) Lady Gaga, has recently (and very publicly) brought the topic of fibromyalgia front and center in the media. Gaga, born Stefani Germanotta, has struggled with the illness for years, and though invisible— she has chosen to bravely document her struggle with its debilitating effects in the recent Netflix documentary Five Foot Two and has even been forced to cancel a number of shows on her most recent Joanne tour due to the incredible debilitating pain associated with the illness.

Mental illnesses such as individuals who struggle with depression, anxiety, ADHD, obsessive-compulsive disorder (OCD), bipolar disorder, and more are also considered to have an invisible disability (if the symptoms they experience are severe enough); however, in these cases there are often more definitive ways of testing and diagnosing cases.

In addition to those previously listed, below are a number of other known invisible disabilities. Please note that though extensive, this is in no way to be considered a complete list of possible invisible disabilities.

  • Allergies
  • Arachnoiditis
  • Asperger Syndrome
  • Asthma
  • Autism
  • Brain injuries
  • Charcot-Marie-Tooth disease
  • Chronic fatigue syndrome
  • Chronic pain
  • Circadian rhythm sleep disorders
  • Coeliac Disease
  • Crohn’s disease
  • Diabetes
  • Ehlers Danlos Syndrome
  • Endometriosis
  • Epilepsy
  • Fetal Alcohol Spectrum Disorder (FASD)
  • Food allergies
  • Fructose malabsorption
  • Hereditary Fructose Intolerance
  • Hyperhidrosis
  • Hypoglycemia
  • Inflammatory bowel disease
  • Interstitial cystitis
  • Irritable Bowel Syndrome
  • Lactose Intolerance
  • Lupus
  • Lyme Disease
  • Metabolic syndrome
  • Migraines
  • Multiple Sclerosis
  • Multiple Chemical Sensitivity
  • Myasthenia Gravis
  • Narcolepsy
  • Personality disorders
  • Primary immunodeficiency
  • Psychiatric disabilities
  • Reflex Sympathetic Dystrophy
  • Repetitive stress injuries
  • Rheumatoid arthritis
  • Schnitzler’s Syndrome
  • Schizophrenia
  • Scleroderma
  • Sjogren’s syndrome
  • Spinal Disorders
  • Temporomandibular joint disorder
  • Transverse Myelitis
  • Ulcerative Colitis

Testing The Odds

According to Disabled World, it is estimated that approximately ten percent of Americans have been diagnosed with a medical condition that could be labeled as an invisible disability. “Ninety-six percent of people with chronic medical conditions live with a condition that is invisible. These people do not use a cane or any assistive device and act as if they didn’t have a medical condition. About twenty-five percent of them have some type of activity limitation, ranging from mild to severe; the remaining seventy-five percent are not disabled by their chronic conditions.”

medical professional holding a pink piggy bank

Is An HSA Right For You?

2018-11-14
, , Health and Wellness

Over the past ten years, Health Insurance has been a hot-topic issue in political arenas and dinner tables alike all throughout the country. From navigating the Affordable Care Act (ACA) regulations and compliance details to researching the available insurance offerings themselves, individuals all over are trying to find the best plan benefits for their budget.

Could an HSA be just the thing?

What Is An HSA?

A Health Savings Account is more commonly referred to as an HSA.  An HSA is designed to act as a tax-deferred savings account to help you cover out-of-pocket expenses.  It can even be used for non-covered insurance expenses provided they fall under the IRS Qualified Medical Expense (QME) list.  This list includes elective procedures, such as Lasik eye surgery.

The general idea is that every month you contribute a set amount into your account and as your HSA grows you receive added financial protection for future healthcare needs, while also tax-sheltering more money.  This is a win-win.  Many banks will also allow you to invest the money you save into Mutual Funds for higher returns.

In order to take advantage of an HSA, you must first participate in an HSA-compatible plan, better known as a High Deductible Health Plan (HDHP).

Adding Additional Benefits To Your Health Plan

Unlike a traditional savings account HSA’s have a triple tax benefit:

  1. The contributions that go into your HSA are not taxed.
  2. Any interest your HSA earns is tax-free
  3. If you make a withdrawal on your HSA to help cover the cost of a qualified medical expense, you can rest easy knowing that that money will also be tax-free.

Another benefit of an HSA is the fact that there is no deadline on when you need to use the money in your account. Because of this, many are reaping the benefits of their HSA’s well into retirement.

Making The Decision

Ultimately, the only person who can decide if an HSA is right for you, is you. In some cases, your employer might even offer a contribution match to your HSA account up to a certain dollar amount per year, which could help your savings out if you are already putting in the maximum as indicated by the IRS.

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