Friday, May 10, 2019

Here's When the Government Now Thinks You'll Die

Older people are looking tougher in the latest batch of federal government life data.
Young adults and children are looking more fragile.
The National Center for Health Statistics, an arm of the U.S. Centers for Disease Control and Prevention (CDC), has told the story in a new set of U.S. life expectancy tables for 2016.
We compared the tables for 2016 with the tables for 2015 and found that the average number of years of life remaining increased for people ages 35 and older — but fell for people under 35.
For a look at the year the government expects Americans of various ages to die, and how life expectancy for people of those ages changed between 2015 and 2016.
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Hats off to mom bosses


This Mother's Day, we give a big shout-out to mompreneurs — moms who run families and businesses, with all the finesse that balancing act demands. You rock. #GoMommy

Mompreneurs form a special community of entrepreneurs who inspire, empower and support each other.  Check out these business tips for moms, from moms. "These tips are from real moms in the trenches," writes Brandi Johnson, "building businesses and families together." 
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Wednesday, May 8, 2019

Disability Insurance Awareness Month



Did You Know?

1
The average worker faces a three in 10 chance of suffering a job loss lasting 90 days or more due to a disability.*

2
More than half of all personal bankruptcies and mortgage foreclosures are a consequence of disability.*


3
Just over half of working Americans worry about the effects of a disability. Among younger workers the percentages are higher: 70% Millennials and 68% Gen X.*

4
Most Americans are better prepared financially to die than to become disabled, although chances are at least three to five times greater of a disability occurring. Approximately eight million adults have some disability that limits or prevents them from working.**


5
A 35-year-old has a 50 percent chance of becoming disabled for a 90-day period or longer before age 65.**


6
More than 375,000 Americans become totally disabled every year, and approximately 110 million Americans don't have long-term disability coverage.**


7
Most income earners, regardless of income level, have spending commitments that consume 65 percent to 75 percent of normal cash flow.**


Monday, May 6, 2019

Health insurance deductibles soar, leaving Americans with unaffordable bills


Soaring deductibles and medical bills are pushing millions of American families to the breaking point, fueling an affordability crisis that is pulling in middle-class households with health insurance as well as the poor and uninsured.

In the last 12 years, annual deductibles in job-based health plans have nearly quadrupled and now average more than $1,300.

Yet Americans’ savings are not keeping pace, data show. And more than four in 10 workers enrolled in a high-deductible plan report they don’t have enough savings to cover the deductible.

One in six Americans who get insurance through their jobs say they’ve had to make “difficult sacrifices” to pay for healthcare in the last year, including cutting back on food, moving in with friends or family, or taking extra jobs. And one in five say healthcare costs have eaten up all or most of their savings.

Those are among the key findings of an examination of job-based health insurance — the most common form of coverage for working-age Americans — which has undergone a rapid transformation, requiring patients to pay thousands of dollars out of their own pockets.
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Shoulder Injury Prevention for Truck Drivers

Long-haul truck drivers sustain injuries and illnesses that keep them off the road at double the rate of workers in other professions considered to be hazardous, including construction and farming, fishing and forestry. A National Institute for Occupational Safety and Health (NIOSH) survey found that 26.3% of reported truck driver injuries were to their arms, and an additional 21.1 % were neck- or back-related.
Claims data shows that truck drivers do indeed encounter overexertion risks with injuries predominately involving shoulders, necks and arms. In 2018, 69% of the total incurred cost was a direct result of injuries involving those body parts.
Cause and Effect
So what is it about long-haul truck driving that causes shoulder, neck, arm and back injuries?
There are a number of tasks that truckers perform that can strain the shoulder muscles, including entering the vehicle by pulling up by the hand grips, cranking and lifting, the vibrations caused during driving, and lugging heavy items in and out of the truck. And to make it worse, because of the long periods of inactivity while sitting in the driver’s seat, suddenly getting up and performing these activities with stiff muscles can cause a pull, strain or tear.
One way to stay safe is to combat fatigue by getting enough rest while on the road. Another is to stretch properly before doing any physical work. 
Another powerful way to prevent injuries is to know how to safely perform routine tasks.
Cranking Correctly
When a driver picks up or drops off a trailer, cranking the landing gear or dolly leg up or down is a part of the process.
A 2018 study reported in Applied Ergonomics compared cranking while facing the truck trailer and sideways cranking versus cranking with the shoulder facing the trailer and the crank while the driver’s body position faced forward.
Results showed that when lowering the trailer, the driver should stand facing the trailer while cranking. The reverse is true when raising the trailer; for this task, it’s easier on muscles to stand parallel with the trailer while operating the crank. This sagittal cranking uses full body strength and protects the shoulder by relying on more body parts to distribute the force.
Other posture tips for cranking:
  • Properly set the crank handle
  • Bend the knees, not the back, to avoid back strain
  • Separate the feet for stability
  • Put one hand on the truck, again for stability (if facing the truck)
Other cranking tips include making accommodations or asking for assistance in icy conditions and wearing a reflective vest so other drivers can see you and steer clear as you work.
Other Shoulder Risks
  • Lifting and carrying heavy boxes or other cargo is another risk for shoulders, necks and backs. To prevent pulls, strains and sprains, make use of tools such as carts and forklifts when loading and unloading cargo.
  • The vibrations from the truck can also cause stress on hands, arms and shoulders as those vibrations move from the steering wheel into the appendages. The best way to overcome this stress is to take frequent breaks from driving. Flexing and stretching during breaks may also help your limbs recover.
  • Relying on your arm or shoulder to pull your body weight when climbing into the cab is asking for trouble. Instead, use your core and leg strength to provide upward momentum.

Sunday, May 5, 2019

Summer Is Right Around The Corner, saving money for summer vacations?

Revisit your budgeting tools.

Summer is almost here, and your employees are likely starting to think about hitting the beach, road-tripping across the country or eating their weight in ice cream. Since having fun costs money, May is a good time to serve up some ideas on how to squirrel away a little extra cash in the next few months. 

Employers should share tips for saving money on benefits-related expenses, like encouraging high-deductible health plan employees to use sites like GoodRx.com for cheaper prescription costs, or visiting urgent care instead of the emergency room for non-life-threatening issues. Also, consider making employees aware of apps like Acorns, Robinhood, Stash, Digits and Tally, which round up credit or bank card expenses to the next dollar, and automatically deposit the extra money into different types of savings accounts.

Double-check out-of-network coverage.

While you’re on the subject of summer fun, remind your employees to take a quick peek at their health plan’s out-of-network care policies before they head out of town. If they need a doctor (or ice cream headache cure) while they’re away, they’ll know where to go, how to pay, and how to get reimbursed.
                                                     
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