by admin | Jul 23, 2019 | Health & Wellness, Hot Topics
Growing up can be tough. The challenges of school, relationships with friends, sports and other activities can be stressful for children. Peer pressure, along with what they see and hear daily via social media, TV, movies and video games, can cause them to stress out about how they look. Comparing themselves with their friends—or, worse, with supermodels, movie stars, or pro athletes—can then lead to a negative body image.
- An obsession with their size, shape, weight, and muscles (or lack there of)
- Spending time looking in the mirror looking for and pointing out flaws they think they see
- Talking negatively about themselves
- Constantly looking for ways to improve their looks
- Comparing themselves with others
If you know a child who’s struggling with their body image, here are some things you can do to help:
- Start a discussion about body image.
- Talk about the messages we get through media.
- Try to avoid using judgmental terms like “fat” or “skinny.”
- Stress the importance of healthy eating and physical activity.
- Support their efforts and praise achievements.
- Set a good example
If you think there’s a serious problem
When a child or adolescent has serious issues about the way they see themselves, it can lead to depression, negative behaviors, and eating disorders. Watch for these signs:
- Skipping meals, fasting, constant dieting, or binge eating
- Obsessive exercise/weight training
- Using diet pills or laxatives for losing weight or growth hormones for developing muscle mass
If you think your child has or may have an eating disorder or other serious body image issue, talk to a doctor or health care professional. Getting the right treatment can make all the difference.
By Bill Olson
Originally posted on ubabenefits.com
by admin | May 8, 2019 | Hot Topics, Retirement
First off, great job on buying life insurance! You took an important step by protecting the ones you love.
Every life insurance policy requires you to name a beneficiary. A life insurance beneficiary is typically the person or people who get the payout on your life insurance policy after you die; it may also be a trust, charity or your estate.
You can also name more than one beneficiary, as well as the percentage of the payout you want to go to each one—for instance, you could designate 50% to a spouse and 50% to an adult child.
You’ll typically be asked to pick two kinds of beneficiaries: a primary and a secondary. The secondary beneficiary (also called a “contingent beneficiary”) receives the payout if the primary beneficiary is deceased.
Providing for Kids
A big reason why people buy life insurance is to provide for children left behind. Usually this is done by making the surviving spouse or partner who cares for and is raising the kids the beneficiary. But what if you’re widowed or—God forbid—-both you and your partner pass away at the same time?
First, know that it’s not a good idea to name a minor as a beneficiary. That’s because the law forbids life insurance payouts to anyone who has not reached the age of majority, which is 18 to 21 depending on your state. If a child were to be named, then it would be turned over to probate court. The court will name a guardian who has oversight of the money/estate until the child comes of age.
Fortunately, there are two options. The first is to name an adult custodian. The custodian should be someone you can trust to use the money for things like housing, health care, and education until the child reaches the age of majority. At that point, any remaining money gets turned over the child and they can spend it any way they want.
The second option is to work with an attorney to set up a trust. In this scenario, the trust is the beneficiary and a trustee is named to manage and distribute the funds. The main advantage of a trust over naming a custodian is having more control.
A trust lets you specify how you want the money distributed—and it lets you do so even when your kids are adults. (One quick word of caution: Definitely consult with an attorney if you’re setting up a trust for a special needs child. They can help you create one that doesn’t impact your child’s eligibility for government assistance like Medicaid or Supplemental Security Income.)
Naming a Charity
Do you have a cause that’s near and dear to your heart? If so, you might consider naming a charitable organization as the beneficiary of your life insurance.
There are several ways to do this. They include naming the charity as a beneficiary on a new or existing life insurance policy, making the charity both the owner and the beneficiary of a life insurance policy, adding a charitable-giving rider to a life insurance policy, or working with a community foundation to figure out the best way to distribute a payout.
Final Tips
Think carefully about naming your estate as a beneficiary. This can trigger a long and costly legal process known as probate. A faster and more efficient solution is to name specific individuals or organizations as beneficiaries.
1. Get specific. Instead of naming “my spouse” or “my children” as beneficiaries, list their names along with their addresses and Social Security numbers. This saves a lot of time since the insurance company doesn’t have to track down information.
2. Always name a contingent beneficiary. Passing away and leaving behind life insurance without a living beneficiary could mean the payout goes to someone you never wanted your policy to benefit. It could also require a court-appointed administrator to sort things out.
3. Pick trustworthy custodians and trustees. Really consider who’d you trust your child’s financial well-being with if you weren’t in the picture. Your kids may love their uncle or aunt, but is he or she mature and responsible with money? If not, pick someone else who is.
4. Regularly review your beneficiaries. It’s a good idea to review your beneficiaries about once a year and after major life events like a marriage, divorce, the birth of a child, or a death in the family.
5. Communicate your wishes. Let your beneficiaries know your intentions and how to find the policy.
6. Be aware of special situations. There are some situations that could trigger a tax on the life insurance benefit—for instance, when the policyholder and the insured aren’t the same person. Likewise, things can get sticky if you live in a community property state and don’t name your spouse as a beneficiary. An insurance agent can give you life insurance advice on this and much more.
By Amanda Austin
Originally posted on lifehappens.org
by admin | Mar 14, 2019 | Hot Topics
The opioid crisis has driven overdose deaths in America to all-time highs. By 2017, the opioid mortality rate was five times higher than the rate in 1999. This crisis is not limited to one socio-economic class or one geographic area. Opioid addiction affects those in suburban homes, high-rise office buildings, and schools in every state in America. Employers must address this epidemic in their workplace through education and services for employees, so that the tide of this crisis can recede, and their workforce can march ahead undeterred by addiction.
Opioid Addiction Explained
Opioid addiction most often results from the misuse of and addiction to prescription pain medication. It has become an epidemic that affects not only the patient, with implications in the workplace, as well. Many patients who are prescribed opioids for chronic pain don’t believe they will become addicted to them. But, with prolonged use, their need for more medication to achieve the same level of pain-relief increases, as does their dependence on these drugs.
Education Is Key
Educating your employees on how opioid addiction happens and what can be done to overcome it is essential in the workplace. The Centers for Disease Control and Prevention have many resources to help you with education that you can post around your office and workplace. Their website is also a great resource on educating the employer on what opioid misuse looks like and how to address it with your employees.
Resources for Employees
With an estimated 1.7 million Americans addicted to opioids, you can be assured you will encounter someone in your workplace who has been affected by this crisis. How can you help your employees to overcome this addiction? Your company’s Employee Assistance Program (EAP) is a wonderful resource to offer. Each EAP will be different based on the service to which your company has subscribed. According to a recent survey, 91% of work organizations offer some type of EAPs for their employees. Most EAPs offer assistance in matching employees to local treatment resources, as well as short-term counseling and support/recovery groups. Also, EAP professionals are knowledgeable on treatment options and suggested ways to intervene when abuse is suspected.
The opioid crisis is real—now, more Americans are likely to die from an opioid overdose than an automobile accident. This epidemic has sieged neighbors, co-workers, and family. The workplace is feeling this crisis through lowered productivity of employees as well as increased healthcare costs. In fact, the Centers for Disease Control and Prevention estimates that the total “economic burden” of prescription opioid misuse alone in the United States is $78.5 billion a year, including the costs of healthcare, lost productivity, addiction treatment, and criminal justice involvement. As an employer, you have the ability to help turn the tide of this addiction crisis by offering education and employee assistance programs for your workforce. The right resources can help your workforce become educated on and overcome this addiction.
by admin | Feb 15, 2019 | Hot Topics
Ever wonder why the resolutions you make in January don’t stick around after March? You aren’t alone! Studies show that only 8% of people keep their New Year’s resolutions. Only 8%! Why? And how do people achieve their goals set at New Year’s? We’ve broken it down for you so you can identify your goal-breaker as well as give you some tips on how to make those resolutions stick.
There are three main reasons that New Year’s resolutions fail. The first goal-breaker is taking on too much (too big of a goal) and expecting it to happen too fast. Researchers have found that it takes 66 days to break a habit. That’s much higher than the previously published 21 days. It conversely means that it also takes 66 days to form a new habit. So, battle your goal-breaker by setting smaller goals and not expecting to master those resolutions by the end of the month.
The second reason you fail to keep your resolution is you don’t have anyone supporting you. This could be because you simply didn’t tell anyone that you have new life goals. It could also be due to fear of accountability. You need some life-cheerleaders that root you on to victory. These cheerleaders also call you out when you are riding off the tracks. Their support isn’t tied to your achievement of your goals but instead their support is firmly tied to you and they want to see you succeed.
The last goal-breaker is that you don’t believe in yourself! When you make New Year’s resolutions that are super unattainable, and then you fail, you doubt yourself. When this cycle persists, time and again, you fill your head up with negative thoughts and begin believing you aren’t capable of accomplishing anything. Self-doubt is powerful.
Now, let’s steer this ship back on course with some tips on KEEPING your New Year’s resolutions.
Remember that bigger isn’t always better.
Set your resolutions as small, attainable, goals. With those small goals, set realistic timelines to achieve them. Avoid “I want to run the Ironman by November” if you’ve never run more than 2 times a month. Set your goal as “I want to run a 5K by Christmas” and work towards increasing your endurance each week.
Reward yourself along the way.
If exercising is your goal, reward yourself with a trip to the movies if you go to the gym 3 times a week. When you look forward to rewards, and you feel like they are attainable, you are more likely to work hard to get them!
Tell others about your resolutions.
Finding an accountability partner helps keep your ship on course as they can encourage you for achievements as well as guide you back to the course when you start to stray.
Write your goals down on paper.
Mark Murphy says “Writing things down doesn’t just help you remember, it makes your mind more efficient by helping you focus on the truly important stuff. And your goals absolutely should qualify as truly important stuff.”
Identify your purpose.
Knowing your “WHAT” (goal) is important, but knowing “WHY” can be just as important when it comes to following through on your intentions. Why do you want to lose weight in 2019? When you put the why to the what, you are truly focused on what matters. “I want to lose weight so that I can play with my children without getting tired and show them that hard work is worth it.” Now, THAT’S a great goal.
Identifying goal-breakers and goal-makers are equally important pieces to achieving what you set out to accomplish, especially with regards to New Year’s resolutions. Make this the year your goals become reality by focusing on these five simple tips.
by admin | Jan 24, 2019 | Hot Topics
The U.S. Equal Employment Opportunity Commission (EEOC) announced that it is closed because of the federal government shutdown. During this period of federal closure, a limited number of EEOC services are available. Staff will not be available to answer questions from the public or to respond to correspondence from the public. The EEOC will accept charges that must be filed in order to preserve the rights of a claimant during a shutdown; however, these charges will not be investigated. The EEOC will not litigate in the federal courts, no Freedom of Information Act requests will be processed, and the following will be cancelled:
- Mediations.
- Federal sector hearings.
- Decisions on federal employees’ appeals of discrimination complaints.
- Outreach and education events.
Moreover, all EEOC digital portals will be closed and will not be accessible to the public. It is unclear how the shutdown will impact the opening date for the 2018 EEO-1 filing website; however, experts anticipate a delay in its availability and that the expected March 31, 2019, deadline for 2018 EEO-1 filings will be extended. ThinkHR will continue to monitor EEOC announcements that affect employers.
Read the announcement and contingency plan
Originally posted on ThinkHR.com
by admin | Jan 10, 2019 | Hot Topics
Saying “Thank You” doesn’t have to be hard. Read about these 5 easy ways you can show your gratitude to others.
