by admin | Mar 17, 2025 | Custom Content, Health & Wellness
Did you know that your oral health can have a significant impact on your overall health? It’s true! Your mouth offers clues about your general well-being. Good dental hygiene can help improve your overall health. As a bonus, maintaining good oral health can even REDUCE your healthcare costs!
Your Mouth: A Window to Your Health
Your mouth is a gateway to your body. It’s home to a diverse community of bacteria, some beneficial and some potentially harmful. When oral health declines, it can have a ripple effect throughout the body. Oral bacteria can contribute to:
- Cardiovascular Disease: Heart disease, as well as clogged arteries and even stroke, can be traced back to oral bacteria.
- Diabetes: People with diabetes may experience more severe gum disease, and poorly controlled diabetes can increase the risk of oral health problems.
- Respiratory Infections: Bacteria from the mouth can travel to the lungs, increasing the risk of respiratory infections such as pneumonia.
- Low birth weight: Poor oral health has been linked to premature birth and low birth weight in newborns.
Over $45 billion is lost in productivity in the United States each year because of untreated oral health problems. These oral diseases can result in the need for costly emergency room visits, hospital stays, and medications, not to mention loss of work time. The pain and discomfort from infected teeth and gums can lead to poor productivity in the workplace, and even loss of income. Children with poor oral health are more prone to illness and may require a parent to stay home from work to care for them and take them to costly dental appointments. In fact, over 34 million school hours are lost each year because of emergency dental care.
So, how do you prevent this nightmare of pain, disease, and increased healthcare costs? It’s simple! By following through with your routine yearly dental check-ups and daily preventative care, you will give your body a big boost in its general health. Check out these tips for a healthy mouth:
- Maintain a regular brushing/flossing routine: Brush and floss your teeth twice daily to remove food and plaque from your teeth and between your teeth where bacteria thrive. Use the right toothbrush—when your bristles are mashed and bent, you aren’t using the best instrument for cleaning your teeth. Make sure to replace your toothbrush every three months.
- Visit your dentist: Schedule regular check-ups and cleanings with your dentist. They can identify and address any potential issues early on.
- Eat a healthy diet: Limit sugary foods and drinks, as they contribute to tooth decay. Starchy foods have a similar effect.
- Drink more water: Water is the best beverage for your overall health—including oral health. Drinking water after every meal can help wash out some of the negative effects of sticky and acidic foods and beverages in between brushes.
- Quit Smoking: Smoking weakens the immune system and increases the risk of gum disease.
Investing in your oral health is an investment in your overall well-being. By practicing good oral hygiene, you can not only maintain a beautiful smile but also significantly improve your overall health and quality of life. And at the same time, you can increase your productivity and potentially lower your healthcare costs – a win-win!
by admin | Mar 11, 2025 | Custom Content, Financial Planning
Financial stress is a silent epidemic plaguing workplaces everywhere. It impacts employees at all levels, leading to decreased productivity, lower morale, and increased absenteeism. But there’s good news: employers hold the key to building a financially healthy workforce.
Stress and Financial Well-Being
Cultivating your employees’ financial well-being is a necessity in creating a productive and effective work environment. Financial worry is the number one source of stress for employees and can lead to exhaustion and burnout. According to a 2023 study by consumer financial services company Bankrate, 52% of U.S. adults said that financial stress and money worries have a negative impact on their mental health. Since financial stress can lead to declines in productivity and low morale, employees’ financial well-being should be important to every employer who wants to create an environment in which people thrive.
Employers have a unique opportunity to help alleviate some of their employees’ financial stress by providing them with resources that will help them make smart short and long-term financial decisions. Some of the following are ways employers can improve employees’ financial literacy:
- Promote financial resources, including employee assistance programs (EAPs) – Financial guidance and assistance are often included as part of the EAP. These services can provide helpful information about budgeting, achieving healthy spending habits, loan consolidation, debt repayment, setting up an emergency fund, and more.
- Educate employees about financial literacy – Offer workshops to educate employees over topics like student loans, debt, credit, financial goals, emergency funds, and retirement.
- Provide individualized support – Employers who know and understand their employees’ needs can help offer more targeted support to reduce financial stress. For example, younger employees might need more support and information about managing their money and student debt versus the older generation who may be more interested in planning for retirement.
- Reiterate benefits like retirement savings – Employers should remind employees about all available benefits, with a focus on those that offer financial relief and long-term savings. For example, to prevent employees from dipping into their 401(k) savings to cover unexpected expenses during times of great financial stress, reinforce the importance of retirement savings plans as long-term investment strategies.
It’s vital that employers acknowledge employees’ financial stress, while also giving their employees the resources to manage financial matters. The future of work is one where employees feel supported and empowered in all aspects of their lives, including their finances. By prioritizing financial wellness, you’re not just building a stronger workforce for today, you’re investing in a brighter future for everyone.
by admin | Feb 26, 2025 | ACA, Custom Content
At the close of 2024, Congress passed two new pieces of legislation: the Paperwork Burden Reduction Act and the Employer Reporting Improvement Act. These laws simplify the Affordable Care Act (ACA) reporting requirements for employers and introduce new limits on the IRS’s authority to enforce “pay-or-play” penalties, among other changes.
Under the ACA, applicable large employers (ALEs) and non-ALEs with self-insured health plans must report to the IRS regarding the health plan coverage they offer (or don’t offer) to their employees. Additionally, they must provide individual statements about their health plan coverage.
Previously, ALEs were required to send a health coverage statement (Form 1095-C) to each full-time employee within 30 days of January 31 each year. The IRS allowed non-ALEs with self-insured plans to provide health coverage statements (Forms 1095-B) to covered individuals only upon request. Starting in 2025, ALEs will have the same flexibility as non-ALEs to provide Forms 1095-C upon request.
As a result, employers are no longer obligated to send Forms 1095-C or 1095-B to individuals unless specifically requested. Employers must inform individuals about this option in compliance with any IRS guidelines. Requests for forms must be fulfilled by January 31 of the year following the calendar year to which the return pertains, or within 30 days of the request, whichever is later. These forms may be sent electronically to individuals who have previously consented.
Although the new laws offer reporting flexibility, ALEs and non-ALEs with self-insured plans are still required to submit ACA returns to the IRS. The deadline for electronic filing is March 31, 2025.
Additionally, ALEs may face IRS penalties if they fail to offer affordable minimum essential coverage under the ACA’s employer shared responsibility (pay-or-play) rules. The new legislation extends the time ALEs have to respond to IRS penalty assessment warning letters from 30 days to 90 days. It also establishes a six-year limit on the IRS’s ability to collect penalty assessments.
by admin | Feb 17, 2025 | Custom Content, Employee Benefits
Most organizations treat employee benefits like a seasonal event. Open enrollment brings a flurry of activity – emails, seminars, and even benefits fairs. However, communication often dwindles after this initial push, leaving employees confused and underutilizing their valuable benefits.
This is a missed opportunity. Research shows that employees crave more benefits education, spending hours researching their options. By proactively engaging employees throughout the year, organizations can:
- Improve Employee Understanding: Ongoing communication helps employees retain information and make informed decisions, rather than relying solely on a single, overwhelming open enrollment period.
- Reduce Confusion & Mistakes: Employees often make costly mistakes, such as under-saving for healthcare expenses or failing to utilize valuable benefits like employee assistance programs. Consistent communication can help them avoid these pitfalls.
- Boost Benefits Utilization: Regular reminders encourage employees to actively use their benefits, such as gym memberships, financial counseling, or legal services, leading to improved well-being and reduced stress.
- Enhance Employee Engagement: When employees understand and utilize their benefits, they experience increased job satisfaction, reduced stress levels, and improved overall well-being, leading to higher productivity and retention rates.
- Gain Valuable Insights: Year-round communication allows HR teams to gather valuable data through employee surveys and feedback, enabling them to refine their communication strategies and better address employee needs.
Building a Successful Communication Plan
Two primary approaches can guide your communication strategy:
- Calendar-Based: This traditional approach focuses on pre-determined themes for each quarter or month, aligning with seasonal trends and employee needs. For example, Q1 might focus on retirement planning, Q2 on health and wellness, Q3 on family-related benefits, and Q4 is Open Enrollment season.
- Action-Based: This more modern approach triggers communication-based on employee actions, such as when they file a claim or contribute to their Health Savings Account (HSA). This ensures communication is most relevant when employees are actively engaged with their benefits.
Key Considerations:
- Go Beyond the Booklet: Get creative with your content! Repurpose your open benefits booklet and enrollment presentations into a variety of formats. Utilize diverse communication channels, such as emails, podcasts, newsletters, intranet resources, text messages, and interactive online tools to make information easily accessible.
- Focus on Employee Needs: Tailor your communication to address specific employee concerns and questions, such as how to reduce healthcare costs or plan for retirement.
- Measure and Refine: You can’t manage what you can’t measure. Be sure to track the effectiveness of your communication efforts through surveys, employee feedback, and utilization data. Use these insights to refine your strategy and improve employee engagement.
Benefits education is communicating information about available benefits in ways that employees can connect to and understand. Communicating benefits information year-round is important because employees’ lives – and their situations – are constantly changing. They get married, divorced, adopt a child or have medical challenges arise.
If employees are engaged with their benefits throughout the year, they are more likely to value and use their benefits and will be better informed about their decisions and/or changes they need to make during the next Open Enrollment period!
by admin | Jan 14, 2025 | Custom Content, Employee Benefits
New to a Health Savings Account (HSA)? Here’s What You Need to Know
As the name suggests, a Health Savings Account(HSA) is a special savings account used to pay for healthcare-related expenses. An HSA has potential financial benefits for now and later. Not only can you save pre-tax dollars in this account to pay for qualified medical expenses (QMEs), but HSAs can also provide valuable retirement benefits.
If you’re new to HSAs, here are some tips to help you get started:
- Understand the Basics:
- Triple Tax Advantage: HSAs offer a unique triple tax advantage: contributions are tax-deductible, earnings grow tax-deferred, and withdrawals for qualified medical expenses are tax-free.
- Eligibility: To be eligible for an HSA, you must be enrolled in a high-deductible health plan (HDHP). A HDHP is an insurance plan with higher deductibles and out-of-pocket costs. However, HDHPs carry lower premiums than traditional insurance plans, and in most cases, the cost savings in premiums alone are significant.
- Contribution Limits: There are annual contribution limits set by the IRS. The HSA contribution limits for 2025 are $4,300 for self-only coverage and $8,550 for family coverage. Those 55 and older can contribute an additional $1,000 as a catch-up contribution.
2. Maximize Your Contributions:
- Contribute Regularly: Set up automatic contributions to your HSA to make saving consistent and effortless.
- Consider a Catch-Up Contribution: If you’re 55 or older, you can contribute an additional $1,000 as a catch-up contribution.
3. Use Your HSA Strategically:
- Pay for Qualified Medical Expenses: Use your HSA funds to pay for eligible medical expenses, such as doctor visits, prescriptions, and dental care.
- Invest for the Future: Consider investing your HSA funds for long-term growth. This can be a great way to save for other future healthcare needs or even retirement. Once you reach age 65, you can withdraw money from your HSA for any reason without penalty – only ordinary income tax due.
- Unused HSA Funds: HSA funds can be rolled over to the next year. However, if you withdraw funds for non-medical expenses, you’ll pay income tax plus a 20% penalty.
Money that goes in and out of an HSA is tax free as long as payments and reimbursements from the account are used only for Qualified Medical Expenses (QMEs). QMEs are healthcare-related items or services designated by the IRS that you can write off when you do your taxes. There are thousands of medical procedures, services and types of equipment that are considered QMEs, and the IRS frequently updates the list.
It is important to know that your HSA account is yours – not your employers. Unlike healthcare Flexible Spending Accounts (FSAs), which your employer technically owns, your HSA belongs to you. So, when you leave a job, you keep all of the money you’ve saved up in your HSA and can transfer into a new HSA or employer-sponsored HSA at your next job.
The Bottom Line
HSAs are often referred to as triple tax-advantaged and are one of the best savings and investment tools available under the U.S. tax code. As a person ages, medical expenses tend to increase, particularly when reaching retirement age and beyond. Therefore, starting an HSA early and allowing it to accumulate over a long period can contribute greatly to securing your financial future. By understanding the basics of HSAs and following these tips, you can make the most of this valuable financial tool.
by admin | Dec 2, 2024 | Custom Content
For some, the lyrics “with those holiday greetings and gay happy meetings when friends come to call, it’s the hap-happiest season of all” stirs happy memories of Christmas caroling. However, for others, the holidays can be one of the most stressful and isolating times of the year. The season often brings a whirlwind of demands—shopping, baking and entertaining to name a few. For those managing mental health conditions like depression or anxiety, these challenges can feel even more overwhelming.
Holiday depression can sometimes be dismissed as just the “winter blues.” During this time, many people focus more on their physical health than their mental well-being, often prioritizing weight loss over emotional care. This lack of awareness can allow holiday depression to deepen into major depression.
Here are nine tips to help manage holiday depression:
- Be Realistic – Holidays and traditions evolve as people do. Kids grow up, people relocate, and new relationships form. Embrace these changes, cherish new traditions, and appreciate memories from past holidays while being present in the current moment.
- Schedule Downtime – Spend 15-20 minutes daily for quiet relaxation, such as taking a bath, listening to music, or reading. And remember, it’s okay to say no—you don’t need to attend every party or event.
- Stay Connected – Avoid isolation. Seek social interactions, even if you can’t be home for the holidays. Invite a friend over for a chat or volunteer for a cause that interests you.
- Limit Alcohol – Alcohol is a depressant and can intensify negative emotions. Try to drink in moderation.
- Exercise Regularly – Although exercising can feel challenging when stressed, even a short walk can be beneficial. Exercise has been shown to help reduce depression symptoms.
- Focus on the Positives – Each day is a gift. Practicing gratitude has a powerful effect on mental well-being by increasing self-esteem, enhancing positive emotions, and promoting optimism.
- Manage Expectations – Set realistic goals and pace yourself. Make a list to prioritize what’s most important, helping to keep holiday activities manageable.
- Communicate with Loved Ones – Don’t hide your holiday depression from friends and family. Sharing your feelings can prevent your mental health from worsening. Be honest about what you’re experiencing, but make it clear you don’t expect them to “fix” it.
- Seek Professional Help if Needed – If you feel persistently sad, anxious, unable to sleep, or find routine tasks overwhelming despite your efforts, reach out to a doctor or mental health professional.
Don’t feel pressured to embody the “joy of the season.” With planning, self-care, and meaningful connections, you can manage holiday depression and find moments to enjoy. Be kind to yourself, keep expectations realistic, and stick to your healthy habits. By actively caring for your mental health, you can make the most of the holiday season.
If you are experiencing these symptoms over a period of several weeks, you may be depressed. Talking with a mental health professional or taking a mental health screening test can help you understand how well you are coping with recent events. Seek help.
