Good Morning!
We've put together some of the most recent important news in the insurance industry.
Please give us a call or send us an email if you have any questions or concerns about the information enclosed in this newsletter.
We look forward to being an advocate for you in the insurance world.
Have a happy and healthy day!
|
|
Medical Insurance pays your doctors...
but what happens to your income when your unable to work?
| You may be covered against accidents, illnesses, and injuries... but without disability insurance coverage, your finances may not be as secure.
One of the latest commercials from Aflac makes the point that your doctors are paid by your major medical insurance coverage, but what about your family?
Haven't seen the commercial? Check it out here: 
|
|
Disability Insurance
| |
Information from:
Protect your most valuable asset - your income.
If you're unable to work due to a sickness or injury, disability income insurance can help you meet expenses and maintain your standard of living. It can help you pay bills like your mortgage, tuition and car payments, and help cover expenses for food, clothing and utilities. By replacing a portion of your income, disability income insurance can help provide financial security until you get back on your feet and return to work.
Tools
Improve your understanding of disability insurance and how it can help protect your income.
Disability Insurance Basics Video - What is it? Why do you need it?
Disability Calculator - Find out how much protection you need
Disability Quiz - Test your knowledge with help from Snoopy.
Real-Life Stories
From the Council for Disability Awareness at http://disabilitycanhappen.org
Monica had it all by the age of 37. She had a successful career in the financial field, a wonderful son, and big dreams for the future. She never dreamt that a disability would change her life forever.
|
|
Preventive Care
| Take Control of Your Health . . . Preventive care like physical exams and periodic screenings can help detect illness or health risks early in life.
For Children: The pediatric preventive care and immunizations as recommended by the American Academy of Pediatrics is extremely important to keep your children healthy and safe from many infectious disease.
Appropriate and timely vaccinations can substantially reduce the impact of vaccine-preventable infectious disease.
Persons with a regular source of medical care are more likely to receive basic medical services, like a routine checkup, which presents the opportunity for delivery of preventive services.
Numerous health reports have emphasized the importance of primary, secondary, and tertiary screening of older adults to prevent, delay, or minimize disease, risk factors, preexisting conditions, and disability and to enhance both health status and quality of life.
The following screenings are recommended as routine to prevent & detect cancers before becoming untreatable:
- Breast Cancer Screening
- Cervical Cancer Screening
- Colon Cancer Screening
- Prostate Cancer Screening
The new Healthcare Reform regulations could have changed how your insurance covers preventive care. Review some of the additional links to the left about preventive care and the new regulations.
If you have any questions about preventive care coverage give us a call at 843-671-9200, or email info@hhisolutions.com.
|
|
Wellness Tip of the Month
| |
Brought to you from Cheney Maddox at:
The Big Debate: Exercise vs. Diet
Sometimes the 'which is better - exercise or diet' debate can get a little confusing, unless you take a step back and focus on your end goal. Obviously, to live a healthy lifestyle and maintain your weight, exercise and nutrition are equally important. However, when taking a look at a more specific goal, one might outweigh the other. Our friends over at Hilton Head Health have given us a bit of insight to the topic:
- If your goal is to lose weight then your diet is more important. Simple math tells you that weight loss is about having a negative balance of calories - calories in should be less than calories out. It is important to understand that exercise is not a remedy for overeating. Fitness director, Adam Martin puts it, "Exercise, while it has innumerable benefits, will not produce significant weight-loss results without cutting back on calories. So it's the second part that's most important if you really want to lose weight."
- If your goal is to boost your energy then exercise is more important. According to an exercise physiologist at the University of Georgia, the reason is exercise causes the brain to release invigorating neurotransmitters like dopamine and norepinephrine. Studies show that those who consistently exercise report surges in their daily energy.
- If your goal is reduce your risk of heart disease then your diet is more important. If you added omega-3 fatty acids to your diet, you could cut down your risk of heart disease by up to 64 percent. Not only adding omega-3's to your diet, but reducing your sodium and cholesterol intake you are lowering your risk of stroke, heart attack and high blood pressure. That said; exercise will improve your cardiovascular health as well.
- If your goal is to improve your mood then exercise is more important. Not only can exercise help decrease your stress levels, a 20-minute exercise session can be enough to improve your mood for up to 12 hours says a study from the University of Vermont. Exercise may also be as effective as medication for treating depression in some people.
Remember - the most effective way to manage your weight and improve overall health is to combine efforts of eating a well-balanced diet with regular exercise.
Check out the Hilton Head Health YouTube channel for workouts and tips from the H3 Fitness Team. Visit the official blog of Hilton Head Health at www.h3daily.com for fitness and nutrition tips, workout routines, recipes and more!
Cheney Maddox is responsible for H3 Direct, a corporate wellness program, facilitated by Hilton Head Health (H3), designed to take the inspiration of H3's Healthy Lifestyle™ program, delivered to your door. It's not too late to begin a program for your company in 2011 - call 785-3919 for information about how you can invest in your employees' health for less than a quarter a day!
|
|
