Life & Health

Wake Up Better Every Day

Do you feel like you have to drag yourself out of bed every morning? If so, you’re not alone. According to the Centers for Disease Control and Prevention (CDC), insufficient sleep is a public health epidemic. Not only have researchers linked it to motor vehicle crashes and industrial disasters, it also contributes to occupational errors, hypertension, diabetes and obesity. Fortunately, there are steps you can take to wake up better every day—and some may even help you get more shut-eye in the long run.

Let the sunshine in. According to the National Sleep Foundation, your body’s internal clock is sensitive to light and darkness. If you get a healthy dose of sunshine first thing in the morning, it will help you wake up. Try throwing open your curtains and blinds as soon as your alarm goes off. If you have to get up before the sun rises, turn on a bright light.
Give up the snooze button. It doesn’t matter how many hours of sleep you had that night, when the alarm goes off in the morning, you’re going to feel tired and groggy. The feeling is actually part of a normal process that helps you sleep through the night. Repeatedly pressing the snooze will only make it worse (and make you late for work). Instead, get out of bed and get moving.
Stop relying on coffee. You’ve seen the mugs that read, “Don’t talk to me until I’ve had my coffee.” If you agree with them, it might be time to give up that morning Joe. It’s actually doing less to help you than you believe. According to scientists, caffeine works as a stimulant, at least in part, by impeding the effects of brain chemicals that drive you to sleep during the day. Your body has fewer of those chemicals when you first get up, so you’re better off having coffee later in the day when it can actually do some good.
Start relaxing before bed. Never hit the sack until you’ve taken the time to slow down and relax. Trying to sleep directly after working, watching TV, arguing with your spouse or cleaning the house is almost always difficult. You mind needs time to wind down free from distractions. Try a few minutes of meditation, a hot shower, or some light stretches.
Stick to a consistent sleep schedule. This one is easier said than done, but it can do wonders for both the quantity and quality of sleep you get each night. Experts recommend logging seven to nine hours of pillow time so if you’re getting less, you need to give this a try. Avoiding naps, evening caffeine and late dinners can help you in your efforts to go to sleep and wake up at the same time every day.
Ask for help. If you’re getting seven to nine hours of sleep each night but still wake up tired and drag yourself through the day, your sleep quality may be poor. Two common offenders are chronic pain and sleep apnea. While you’re probably already aware if you have the former, you’ll need to see a sleep specialist to diagnose the latter. Visit the National Sleep Foundation’s website for assistance.

Single? Here Are Five Reasons You Still Need Life Insurance

If you’re currently single, you’re not alone. According to the Bureau of Labor Statistics, unmarried adults made up 50.2 percent of the U.S. population in 2014. That’s approximately 124.6 million people, a number that has increased more than 22 percent since 1950. And while being single has its advantages—no one is hogging your covers or leaving the cap off the toothpaste, after all—they don’t include forgoing life insurance. In fact, here are five very good reasons why you may still want to consider this valuable investment.

Life insurance will cost you less now than it will later. The younger and healthier you are, the lower your monthly life insurance premium is likely to be. While you may want to set aside savings for an emergency fund and start making retirement account contributions before you buy, doing so now can yield significant savings. In fact, according to analysis of current market rates by ValuePenguin, an insurance education website, a $250,000 20-year term policy will cost a 25-year-old nonsmoker an average of $27.53 a month. The same policy for a 45-year-old is $51.62 a month.
Your parents, other family or friends cosigned loans for you. In most cases, loan cosigners are fully responsible for balances owed should the primary borrower pass away. With the typical college education (at a four-year, public university) currently costing $9,139 per year according to The College Board, this can easily become a significant burden. A life insurance policy will eliminate the potential for resulting financial hardship.
Others rely on you for financial support. Sometimes singles still have people who depend on them. For example, according to U.S. Census figures, nearly 16 million unmarried parents live with their children. You might also find yourself caring for grandparents and special-needs siblings. A life insurance policy can ensure they will still have the support they need should you pass away.
You’re a small business owner. Maybe you started a software company with a few college friends. Perhaps you and your sister are in business creating and selling organic soap. Whatever you do for a living, if you want your partners to be able to carry on after your death, you may need a life insurance policy. A buy-sell agreement, in which a policy is purchased on each individual or for the group, can provide heirs with a payout in lieu of a stake in the business.
Leaving a legacy is important to you. Are you passionate about the welfare of animals? Do you have a special bond with a niece, nephew or child of a friend? Whatever the cause or reason, if you’d like to leave something behind for it after your passing, a life insurance policy can enable you to do so.

If you’re currently single and without life insurance, we’d love to help you explore your options. If you’re not, feel free to share this article with single friends. And remember: it’s important to re-evaluate your coverage whenever you experience a significant life event.

People Who Feel Younger May Live Longer

We’ve all heard the old saying, “You’re only as old as you feel.” Turns out, it might be true—at least according to a new study out of University College London that suggests people who feel younger than their actual age live longer than those who feel their actual age or older.

Published in the journal JAMA Internal Medicine, the study involved analysis of data from a previous study on aging and included details for more than 6,000 adults who were at least 52 years old. In 2004, these adults answered a question about how old they felt. At that time, more than 66 percent of them felt at least three years younger than their real age. A little over 25 percent felt their real age, and less than 5 percent felt older than their real age.

Looking forward to the data gathered on these individuals in 2013, the researchers found that 14 percent of those who felt younger back in 2004 had since died. However, 19 percent of those who felt their age had passed on, as had 25 percent of those who felt older than their actual years.

One might assume this difference was due to the people who felt older actually being sicker and at greater risk of dying. However, when the researchers accounted for pre-existing health conditions—such as cancer, heart disease, diabetes and stroke—the relationship between perceived age and longevity remained strong.

What does this study mean for you? Well, you already know that exercising and adopting a lifestyle that reduces your chances of developing cancer, heart disease and diabetes is important if you want to live a long and healthy life. But the results of this study illustrate that your attitude towards aging also plays a role. Consider the following simple tips to help you feel younger today:

Go to bed earlier. Your body can only truly restore itself while it’s at rest. Sleep less than seven hours a night and you’ll feel foggy and cranky rather than young.
Eat more leafy greens. Studies have shown that consuming two or more servings of leafy greens every day—such as spinach, chard and kale—can give you the mental focus you had five years ago.
Snack on almonds. Inflammation plays a role in a multitude of age-related issues from wrinkles and arthritis to heart disease. Fortunately, studies have found that almonds—that are rich in free-radical fighting flavonoids—reduce inflammation. Try for 24 almonds (or about 1 ounce) a day.
Volunteer your time. Studies have shown that older adults who volunteer in their communities experience both mental and physical health benefits.
Learn something new. Keep your mind active and you’ll always feel younger than your years. You can find free classes online and at local community centers where you can learn everything from a foreign language to the latest dance steps.

While these tips can help you feel younger for longer, no one lives forever. If you’d like to make sure your loved ones are taken care of when that time comes, give us a call to discuss life insurance options.

Get Physically Fit for Less

Did you make any New Year’s resolutions? If you’re like many Americans, you may have pledged to better your fitness as well as save money over the next 12 months. Implement the following simple suggestions to help you do both and join the ranks of the 8 percent who actually achieve those first of the year goals.

Choose your fitness investments wisely.

Spend money on anything—from a new pair of running shoes to a gym membership—that you won’t actually use and you’re basically throwing hard-earned cash away. Invest in experiences—and associated gear—that you find enjoyable and motivating and it’s money well spent. This may mean paying for race entries if you have a strong competitive urge, joining a workout group if you need accountability, or even buying the occasional ensemble if new fitness duds inspire you.

Try it out before you go all in.

Before you commit to paying a quarterly membership fee for a running club, an annual fee to join a gym, or even purchase a month’s worth of yoga classes, ask if you can try the activity for free. Many groups, gyms and studios offer free trial memberships (of a few days to a few weeks), or allow you to purchase training sessions and classes in smaller increments. If you find you love the experience, you can always sign up for more.

Utilize free smartphone apps.

Great technology doesn’t have to cost a dime. Search Google Play or iTunes and you’ll find thousands of free fitness applications you can use to learn new exercises, find inspiration, or track your workouts and progress towards goals. Accountability plays a big part in maintaining your resolutions, so apps that include online communities or integrate with your social media accounts can be particularly helpful.

Share a personal trainer.

If you’re new to exercise, taking the time to learn proper form before beginning your fitness regime can help you achieve better results and stay injury free. While experienced personal trainers often charge upwards of $50 an hour, they may allow you to split the cost of instruction with a friend (or a group of friends) if you schedule sessions together. This can reduce your investment substantially.

Make the most of nothing.

A tight budget doesn’t have to mean giving up fitness. There are many exercises you can do—from walking, jogging and running to simple bodyweight movements—that don’t require anything in terms of equipment or expensive gym memberships. Add a jump rope and a few weights (bought for cheap from a used sporting goods store) and you’ll have everything you need to complete a challenging total body workout at any time from the comfort of your own home.

Get help from your employer or health insurer.

If your employer offers a workplace wellness plan, participation may include a discounted membership at a local gym or other free fitness classes and resources. Ask your human resources department for all the details. It’s also possible that your health insurer offers fitness incentives—from discounts on classes to membership reimbursements—as part of their wellness package. Contact your insurance professional to learn more about your particular policy.

Flu Shot Myths

To say the flu—a contagious respiratory illness caused by influenza viruses—is nasty would be an understatement. Whether the variety in circulation results in a mildly stuffy nose and sore throat or a severe cough and fever, it’s not something you want circulating in your workplace. Fortunately, it’s possible to avoid it.

According to the Centers for Disease Control and Prevention (CDC), the best way to prevent the flu is with an annual flu shot. While healthcare providers around the nation offer the vaccines at very low cost (and sometimes even free), a number of myths may be causing your employees to reject this vital preventative measure. Consider the following beliefs and information you can use to re-educate your workers.

Myth: You can catch the flu from a flu shot. This myth is scientifically unfounded. Pharmaceutical manufacturers create the vaccine from inactive flu viruses—and sometimes without any flu viruses at all. If your employees claim they’ve contracted the flu from a vaccination before, they were probably exposed to the virus before receiving their shot or became ill from a virus that was not the flu.

Myth: You only need a flu shot every few years. Unfortunately, this is also untrue. Viruses mutate frequently, and each year manufacturers formulate the vaccine to address the most recent strains. As a result, the CDC recommends that everyone over the age of six months schedule a flu vaccine every season.

Myth: You don’t need to get a flu shot if you’re healthy. Your workers may eat right, run 30 miles a week and get plenty of sleep every night, but they can still come down with the flu. While older people, young children, pregnant women and individuals with other health conditions are at especially high risk, the virus can make anyone sick. Plus, if one of your unvaccinated employees catches it, they might spread it to someone who is in greater danger of complications.

Myth: Side effects from a flu shot can kill you. According to the CDC, life-threatening allergic reactions to the flu vaccine are extremely rare. If one of your employees is allergic to eggs, she may have a valid reason for skipping the shot (vaccines usually include virus cells grown in hens’ eggs). Any workers who have had previous allergic reactions to flu vaccines should also talk to their doctor before getting the flu shot. For the rest, the vaccine is likely to be perfectly safe.

Myth: The flu isn’t dangerous so I don’t need to worry about it. Flu viruses are rather unpredictable. One season they may cause only mild illness and then kill hundreds of people the next. According to the CDC, between 1976 and 2006, estimates of flu-associated deaths in the U.S. range from 3,000 to 49,000 people. Let your workers know that even if the flu doesn’t kill them, they’re still likely to miss work, have to use valuable sick time, and suffer the stress of getting caught up after their return.

An educated workforce can be a flu-free workforce. If you’d like additional information on talking to your staff about the flu vaccine, want assistance setting up a vaccination clinic at your workplace, or have questions about whether your employer-sponsored health insurance plan covers the vaccine, give me a call today.

Understanding the Health Care Law’s 10 Essential Benefits

Last January, the Patient Protection and Affordable Care Act (ACA) greatly expanded the healthcare benefits available to Americans. The law set certain standards that all insurers must meet as well as mandated that all ACA compliant health insurance plans cover 10 essential benefits.

1. Ambulatory Patient Services

All health insurance plans must provide outpatient care. Networks and available doctors will vary by plan, but the ACA states that the network’s size must be “sufficient” to meet demand.

2. Prescription Drugs

While many previous insurance plans required add-on prescription drug coverage, the ACA mandated that all individual and small-group plans must cover at least one drug in every category and class of approved medications. While the cost for these drugs will vary (some plans require you to meet a separate drug deductible before you can benefit from price reductions), they will count towards your out-of-pocket maximums.

3. Emergency Care

In many cases, previous health insurance plans already covered a portion of emergency room visits. Under the ACA, however, they can no longer you to obtain preauthorization before seeking treatment, nor can they charge you more if you must go to an out-of-network emergency facility.

4. Mental Health Services

While many old health insurance plans did not cover mental or behavioral health services, the ACA mandates that all new plans must include these benefits for reasonable copays. However, there may be a limit set on the number of covered therapy visits you can make each year.

5. Hospitalization

Under the ACA, all compliant health insurance plans must cover at least a portion of hospitalization costs—and all costs if you’ve reached your out-of-pocket limit. Hospitalization coverage also includes care received in a skilled nursing facility, though some plans may limit that coverage to no more than 45 days.

6. Rehabilitative Services

Compliant individual and small-group health insurance plans must cover rehabilitative services (such as speech therapy after a stroke or physical therapy after a knee replacement) as well as habilitative services (such as speech therapy for children) and associated devices. Plans must cover 30 visits each year for physical or occupational therapy as well as speech therapy and cardiac or pulmonary rehab.

7. Preventative and Wellness Services

ACA compliant plans must allow you a free wellness visit with your doctor each year as well as cover 50 additional preventative services at no extra cost. These include a number of cancer screenings, immunizations and other health screenings. You can find a complete list here.

8. Laboratory Services

All new individual and small-group insurance plans must cover testing used to diagnose injuries, illness and conditions and monitor the effectiveness of treatment. While the preventative screenings in the list mentioned above are free, you will usually be required to pay a fee for diagnostic tests.

9. Pediatric Care

In addition to well visits and recommended immunizations, plans must include additional coverage for children under the age of 19, such as twice-yearly dental cleanings, dental x-rays, fillings and medically necessary orthodontic treatment. They must also cover an eye exam and one pair of glasses or set of contacts each year.

10. Maternity and Newborn Care

Individual and small-group plans must provide prenatal care at no additional cost—something nearly unheard of in old insurance plans. They must also cover childbirth and newborn infant care, though some benefits are subject to deductibles, copays or coinsurance.

The open enrollment period for 2015 healthcare coverage is about to begin (it runs November 15-February 15), so now is the time to start thinking about renewing or changing your health insurance plan. If you need assistance navigating the marketplace or want to discuss your options, contact your insurance agent today.

What You Need to Know About Ebola

If the mere mention of the Ebola virus terrifies you, you’re not alone. While we’ve yet to see more than a handful of cases in the U.S., a number of state governors—and the pentagon—are mandating monitoring and/or quarantines for healthcare professionals, military troops and foreign visitors who may have had contact with infected individuals while in the West African nations of Guinea, Liberia and Sierra Leone.

According to the World Health Organization (WHO), the number of reported Ebola cases in the current outbreak topped 10,000 as of mid-October—and nearly 5,000 individuals had died of confirmed, suspected or probable cases. However, almost all of these deaths were in the three West African nations at the center of the epidemic.

Within the U.S., there has been only one death. Experts from the Centers for Disease Control and Prevention (CDC) have stated repeatedly that the risk of a serious outbreak of Ebola within North America is extremely low, though many Americans are still concerned. If you’re among them, consider these facts you need to know about the virus.

Ebola symptoms generally start to show within 21 days of contracting the virus. Most cases develop within eight to 10 days. Until early symptoms—including fever, headache, fatigue and nausea—are present, a person with Ebola is not contagious.
Few Americans are actually at risk of contracting Ebola. If you haven’t been to Guinea, Liberia or Sierra Leone recently, and are not a healthcare worker who has participated in the treatment of the few U.S. Ebola cases, there is virtually no way you could have caught it.
Ebola is not airborne (like the flu or the common cold virus), nor does it spread through casual contact. Rather, you must have direct contact with the bodily fluids of someone showing symptoms. Bodily fluids include saliva, sweat, tears, vomit, blood, urine and feces. The two nurses who contracted the virus while treating an Ebola patient in Dallas earlier this month were dealing with copious quantities of these fluids. (Incidentally, they both survived with treatment).
Should Ebola become more widespread, you can take steps to reduce your chances of contracting it. You should already be taking the first two if you want to minimize your risks of catching cold viruses and the flu. These steps include:
- Frequently washing your hands with soap and water or an alcohol-based hand sanitizer
- Avoiding touching your face, eyes or other mucus membranes with unwashed hands
- Avoiding contact with blood and other bodily fluids
- Avoiding items that may have come into contact with an infected person’s blood or bodily fluids (including clothes, bedding and needles)
- Avoiding handling the bodies of anyone suspected to have died from Ebola

Skin Cancer Facts Everyone Should Know

You know you should stay out of the sun between the hours of 10 am and 2 pm. You know you should wear sunscreen whenever you go outside—whether it’s July or January. You know that you should avoid tanning beds and opt for a bottle of bronzer if you can’t live without a golden glow. But do you do these things? If you want to avoid skin cancer, you really should. It’s the most common form of cancer in the U.S., with more than 2 million people diagnosed every year according to the Skin Cancer Foundation.

While one in five Americans will develop skin cancer in the course of their lifetime, brushing up on a few facts may help you reduce your chance of becoming one of them.

1. Previous sun exposure contributes to skin cancer risk.

You may put on sunscreen religiously now, but it takes only five blistering sunburns between the ages of 15 and 20 to increase your risk of developing melanoma—the deadliest form of skin cancer—by 80 percent. Previous sunburns also increase your risks of slow-growing skin cancers such as basal and squamous cell carcinomas. Make sure you schedule an annual skin cancer screening with your primary care physician or a dermatologist every year.

2. Skin cancer is not just a women’s disease.

While the National Cancer Institute reports that 50 percent of Americans over the age of 65 will develop at least one form of skin cancer, the rate of melanoma in men in this age group has risen more than that of any other over the past 40 years. It can take years for skin cancers to develop, but it’s never too late to reduce your risk. Men as well as women should always wear sunscreen, protective clothing and a hat when spending time outdoors.

3. Alcohol can increase your skin cancer risk.

A study published in the British Journal of Dermatology found that drinking more than one pint of beer of glass of wine per day increased the risk of developing melanoma by 20 percent. Researchers speculate that this is because alcohol consumption increases one’s susceptibility to sunburn by reducing the skin’s immune response to damaging UV radiation.

4. Skin cancer can develop anywhere.

Many melanomas and other skin cancers form in sneaky spots like the soles of your feet or the backs of your ankles and legs where they are harder to see. If you live alone and don’t have a significant other to help you check your skin regularly, you’re at increased risk for missing the signs of skin cancer—like suspicious moles—before they become significant. This is another reason you should schedule that appointment with your doctor.

5. There are new treatment options for skin cancer.

Your only choices used to be surgery, radiation or chemotherapy. However, new, targeted therapies—including oral medications that attack cancer cells— are available. They tend to have fewer side effects than the traditional treatments. Since 2010, the Food and Drug Administration has approved four new drugs for the treatment of melanoma as well as two immunotherapy drugs according to AARP.

Can You Really be “Too Young” for Life Insurance?

The simple answer to this question is no.

According to the Centers for Disease Control and Prevention, there were 2,513,171 deaths in the U.S. in 2011. Leading end-of-life causes included diseases of the heart, malignant neoplasms, chronic lower respiratory diseases, cerebrovascular diseases and accidents—most of which can strike at any age.

This means we can all benefit from life insurance, whether we use it to pay for our funeral expenses, as an investment vehicle, or to protect our family from financial hardship in the event of our death. Consider the following life stages and reasons to purchase this valuable form of insurance for each.

Young Adulthood

When you’re young and single, life insurance is unlikely to be a priority. You may have a career and earn a decent wage, but you probably don’t have anyone other than yourself who relies on that income. However, if your parents or grandparents have cosigned a loan for you—perhaps for college or a home purchase—you’ll want to make sure that those debts don’t become a burden to them in the event of your death. You can do this with life insurance. Bonus: your premiums will be lower if you buy your policy while you’re young and in good health.

Marriage

If you purchased life insurance as a young single, now’s the time to adjust your policy to account for your increased financial responsibility. And if you’ve yet to purchase life insurance, there’s no better time than the present. Even if your partner earns a good income and believes he or she can manage financially once you are gone, life insurance can provide the peace of mind of knowing that you’ve done everything you can to provide for his or her future.

Babies

If you have young children and no life insurance, you’re jeopardizing your family’s well-being. Whether you’re a single- or double-income couple, insuring both partners is essential. Death of a breadwinner or a domestic partner can wreak havoc on one’s finances. You can use life insurance to make sure your spouse and children can keep your home, pay off debts, afford childcare and eventually finance college educations.

Retirement

Your mortgage may be paid off, and your children grown and raising families of their own, but this doesn’t mean you should cancel your life insurance policy. Life expectancy is increasing, and the volatile economy has made it difficult for Americans to amass the wealth they need to sustain themselves in retirement. A life insurance policy will give you the freedom to tap into your home equity if you need to supplement your retirement income, knowing the proceeds can pay off the mortgage. And if you don’t have much in the way of savings or financial assets, the payout can serve as an inheritance for your family.

If you’d like to explore more reasons for purchasing life insurance at your life stage, or want to review your current policy, contact your insurance professional.

Scrub a Dub: Wash Your Hands to Prevent Infection and Illness

American author John Steinbeck once wrote, “A sad soul can kill you quicker than a germ.” While certainly a poetic statement, and even somewhat true, those pesky germs—found everywhere and on everything—can still make you sick. Fortunately, washing your hands is one of the best defenses against the infections and illnesses they induce. According to the Centers for Disease Control and Prevention (CDC), handwashing can reduce respiratory illnesses—such as the common cold—in the general population by 21 percent. Other U.S. public health authorities have stated that bad hand hygiene cause nearly 50 percent of food-borne illness outbreaks.

When to Wash Your Hands

While it may seem like common sense to wash your hands whenever you do something that might cause you to come into contact with—or spread—germs, many people don’t do it. In fact, a study published in the Journal of Environmental Health by researchers from Michigan State University revealed that only 5 percent of their subjects washed their hands properly after using the restroom. Thirty-three percent used water without soap, and 10 percent didn’t bother to wash their hands at all.

Other situations that require handwashing include:

Before, during and after food preparation
Before eating a meal or snack
Before and after caring for someone who is ill
Before and after treating a wound
After assisting a child in using the restroom or changing a diaper
After blowing your nose, sneezing or coughing
Before touching your eyes (as when inserting or removing contact lenses)
After touching an animal or animal waste
After touching garbage

How to Wash Your Hands

We all learned how to wash our hands as children, but we may not have learned to do so correctly. It takes 15 to 20 seconds of vigorous handwashing with soap and water to kill of all the germs according to the CDC. However, the Michigan State University study found that most people who bothered to wash their hands only spent about six seconds. Make sure you—and your family—are handwashing correctly by following these steps from the CDC:

Wet your hands with clean, running water (any temperature will do).
Apply soap generously.
Rub your hands together vigorously to create a lather. Be sure to lather the backs of your hands, between your fingers and under the tips of your nails.
Scrub for at least 20 seconds.
Rinse your hands thoroughly under clean, running water.
Dry your hands with a clean towel or allow them to air dry.

If you don’t have access to soap and water, you can utilize an alcohol-based hand sanitizer. Look for one that contains at least 60 percent alcohol. Studies have found that non-alcohol hand sanitizers do not work well on all classes of germs, can cause germs to develop a resistance to the sanitizing chemical, and are more likely to irritate the skin than alcohol-based hand sanitizers are.

Because even alcohol-based hand sanitizers have been found less effective against certain types of germs, it’s best to wash your hands with soap and clean, running water whenever possible. And remember: the fewer doctor visits you make each year, the lower your overall healthcare costs, even with insurance.