| Greetings!
We are fortunate to live in freedom. Over the lifetime of our country many have given their lives so we can live in the greatest country man has ever known. Please join my wife and I in thanking those veterans who have served us so well and honor those who have died for us this Memorial Day.
Scott Seibert of Actum Group has written an excellent article of "The Secert of Productivity" I know you will enjoy. Also, we have information on the health industry and why long-term care insurance is important. |
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What we don't want to talk about but need to...
I have found that like talking about getting a check-up, no one wants to talk about long-term care. I guess we just don't want to look at something that is uncomfortable to think about. Or, we feel that since we are not seniors that we will wait until later.
Several years ago the State of Illinois conducted a long-term care study on what ages were occupying the beds. What was startling to many was that about 40% of all nursing home beds were occupied by people under retirement age! So, long-term care is not specifically reserved to being elderly. On the contrary, long-term care can be needed by anyone. Major auto accidents, strokes, heart attacks, long illness recovery can all require stays longer than hospitalization.
Hopefully, one can recover at home with minimum assistance while others may need more extensive attention. If a person cannot do at least two of the Adult Daily Living activities, then a long-term care facility would be needed. Get ready, the costs of these faculties is not cheap and is not usually covered by health insurance! Right now, the cost of care daily ranges from $150.00 to over $200.00/day. So one month in a facility is between $4,500 and $6,000/month.
It makes sense to have protect yourself and have one or two facilities in mind that you are comfortable with and meet your ideals before you need them. To select a facility, it is a good idea to do a little investigation. Here are some hints which are helpful:
- Select facilities near where you live. Get referrals from your friends and your doctor.
- Are the grounds pleasant and well kept? If you enter a facility and it has stale or unpleasant odors, this might not be the place for you.
- Visit those facilities and see first hand what they are like in the inside. Are they neat and clean? Does the staff have a professional manner and appearance?
- Ask questions regarding cost per day, services they provide, services where there is an extra charge and if your physician can have access to you.
- Ask about their care. Do they use patient identification so you do not get the wrong medications?
- The quality of food. Is it not only nutritious but appealing to you? Would you eat it at home?
- The staff, are they enthusiastic and helpful? Do they enjoy their work?
- Is staffing adequate? Is there more than one nurse and aid on a unit?
Check them out using Better Business Bureau and the state health and licensing agencies.
Talk to some of the residents (if allowed). If you need long-term care it is always better to stay in a place you are comfortable in. Your recovery will go better. Above all, if you do not have long-term care insurance contact me about the various types of long-term care plans available.
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| The Round Table |
 Are you are looking to join an organization which offers more than just networking? How about a group of fellow professionals like yourself who receive technical presentations by outside experts in business, law, marketing, business building and have a networking membership helping you grow your business. Please visit us free and see what The Round Table can do for you.
Our meetings are held weekly on Friday at 9:00 AM in the first floor conference room at the Fishers Office Suites 11650 Lantern Rd here in Fishers, IN.
Normal yearly membership dues: $ 100.00
Special charter membership dues until June 30,2008: $90.00
Contact for more information:
Ms. Claire Ty
317.565.0995
Ms. Shannon Wright
317.842.4191
Mr. John Stewart
317.570.1271 or 866.203.5097
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| Products and Services for your consideration...... |
Abbott, Harris and Perrelli
8625 E 116th St Fishers, IN 46038 317.595.0665
Kirk Realty Group
11650 Lantern Rd Ste 127
Fishers, IN 46038 317.842.4191
Kristie's Kreations Custom Embroidery Fushers, IN 46038
317.570.9355
krisite@krisitieskreations.us
McCarley Chiropractic
A Creating Wellness Center
Dr. Brian McCarley
255 S 10th St Noblesville, IN
Sherpa Financial Group
Senior Retirement Specialist
Fitzgerald Charlier, CFP,CREA,RFC
11650 Lantern Rd Ste 116
Fishers, IN 46038
317.913.3365 or 877.913.6730
Paychex Payroll Processing
Marcus McMurray Sales Consultantr
9405 Delegates Row
Indianapolis, IN 46240
Anytime Fitness
Geoff Heisey
9653 Oliio Rd McCordsville, IN 46055 317.336.5500
geistin@anytimefitness.com
DSR Management Solutions
Cell Phone Charges Recovery
Dee Applin
10667 Tarragon Ct Fishers, IN 46038 317.595.0658
Lydia Harris Agency
Property & Casualty Insurance
The Marot 2625 N Meridian St Ste 106 Indianapolis, IN 46208
317.283.2100
Meridian Film Corporation
William Tobins
9910 Gulfstream Ct Fishers, IN 46037 317.585.1410
Talent Auto Body Shop
Randy Vondersaar
7690 E 236th St Cicero, IN 46034 317.984.4576
Irwin Union Bank
Mark Clark, AVP
805 W. Carmel Dr. Carmel, IN 46032 317.575.8033
All About Home Inspection LLC
Details Portrait Art Photography By Dawn
Fishers, IN 317.385.0660
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Feel free to forward this nesletter to your friends and family. Comments, suggestions or ideas? Feel free to contact me anytime.
Sincerely,
John Stewart, MSM, CDHP
Stewart's Insurance Depot |
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| Featured Article |
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The Secret of Productivity
Scott Seibert
Sales and Leadership Strategist
The Actum Group
Email: ScottSeibert@ActumGroup.com
Tel: 317-577-3750
Toll Free: 866-397-5323
If a competitor would not try to steal your people, why not? If you were to walk into your business today and begin the process of growing it so that you could someday sell it for some multiple of $1,000,000, how would you start that process?
Why are the answers to both questions the same?
I've found over the last 30 years that some truths about life and business are universal. One of those is that each of us is the most productive and happiest when we are doing something we really are good at, enjoy, and through which we are allowed to maximize our talents. If you apply that to your business and create a culture where you and your people are given the opportunity and tools to do your/their best every day, your business will flourish far beyond what you thought possible.
The same is true in your own activities on a daily basis. In ACTUM's Leadership Coaching one of the tenants is to discover what you really want to do, and then do it. Sounds like a Nike commercia. Both scenarios have to do with discovering people's strengths and then making sure everyone understands in detail about their skills, knowledge, and talents. We all see reality through different filters. We need to understand why we act and react the way we do and how best to communicate with others using those traits. We need to figure out what we are good at and then find a role within our organizations that will allow us to succeed. And then from a leadership standpoint, how to bring others with us.
How do you do that for your people? The first act is to hold up a mirror. Earnestly discuss what your people like and dislike about their jobs and why. Ask how they would change either their role or their job so that they could become more productive. How would they measure their success? You will discover in a very short time whether there is a possible fit between person and job expectations.
The second act is to have your people hone their skills to be able to maximize the utilization of their talents. Give them exceedingly more complex and important projects to test their abilities and to give them a taste of success. Nothing breeds success like success.
For you, the first act is exactly the same. What comes easily? In what endeavors have you tasted that sweetness of success. Define how it came about. What skills or talents did you use? How can you expand on those talents to build them into strengths?
That adventure will open the doors to where you want to go. It is up to you to walk through that door.
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Health / Employee Benefits: Stacked Health Plans
What's Up: New legislation gives employers more options in consumer-driven health care plans.
What's Happening: Health benefits are being "stacked" together to create hybrids.
Interest in consumer-driven health care has exploded in the past five years, thanks to favorable legislation and regulation, new products and services and the promise of slowing escalating health care costs.
Previously, employers, with the assistance of financial professionals, generally had to choose between health reimbursement arrangements (HRA), health savings accounts (HSA) or health flexible spending accounts (FSA).
The Tax Relief and Health Care Act of 2006 provided employers with much more flexibility and the opportunity to take the best of these consumer-driven health care options and pull them together.
Contact me for more information on your particular needs. | |
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Health Savings Accounts not a niche anymore!
Health Savings Accounts not a niche but mainstream insurance products As of Jan. 1, 2008, 6.1 million people were enrolled in HSA-linked health insurance plans, a 35% increase over Jan. 1, 2007, according to an America's Health Insurance Plans census released last week.
Enrollment in the plans shot up across all markets, according to AHIP, with the biggest percentage increase in the small-employer market. Employers with 50 or fewer employees had 1.8 million people in HSA-linked plans, roughly a 70% increase over the previous year.
Enrollment also increased sharply in other markets. In the large-employer market, employers with at least 51 employees, enrollment in HSA-linked plans increased to 2.8 million, up about 35%, while enrollment in the individual market climbed to 1.5 million, also about a 35% increase.
Enrollment has been growing "at a very consistent and strong pace," said AHIP President and Chief Executive Officer Karen Ignagni in Washington.
Enrollment increases have been at such a high level that the plans no longer are niche products but are now a part of the mainstream health care benefit plan market, said Jeff Munn, a principal and consultant in the Falls Church, Va., office of Hewitt Associates Inc.
Would you like to sit down and discuss the HSA benefits? Call or email John Stewart for an appointment so you can enjoy the cost savings. email: stewartsinsure@yahoo.com or call 317.570.1271 or 866.203.5097 | |
| June 1 Launching
We will be adding several pages of free downloadable information on our website. Topics will include small business , individual and senior information. Feel free to visit us at www.stewartsinsuredepot.com for helpful information. | | |
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