Bkgrnd080821
Stuff you need to know... Stuff of interest...
(hopefully)
In This Issue
COBRA help
2009 HSA Limits
Mouth-Body Connection
Retirement Savings
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Issue: #4                                      October 2008
Greetings!

Here we are again.  Fall is definitely here:
Football is in full swing (Va Tech is in the top 20 - how about that JMU-Richmond game! - William and Mary upset New Hampshire*)
Major league baseball is in the middle of their playoffs
People are heading up to Carter's Mountain
Kids are looking for the perfect pumpkin
We are sleeping with the windows open
The perfect time of year! 
Here is this week's newsletter.  We hope you enjoy...
2009 HSA limits
Historically, the IRS released the cost-of-living adjustments for HSA limits in October or November. But in recognition of the difficulty plan sponsors were having trying to design or re-design plans because of the new limits, Congress passed a law that requires the IRS to publish these adjustments by June 1 of the preceding year. We posted this information earlier this summer, but thought it would be helpful to mention the post in the newsletter.  To see the Treasury Department press release with the new limits, click here.  To see our summary go here.
Mouth-Body Connection 
I recently received some information from my Assurant Employee Benefits rep about their dental products. One of the pieces he shared with me addressed the fact that what goes on in your mouth affects what happens all over your body. In fact, there is a mounting evidence that shows that your mouth is a window into many of the health issues in your body. The information went on to say that "more than 75% of American adults suffer from various forms of periodontal (gum) disease and many don't know it. This is alarming because periodontal bacteria can enter the bloodstream and travel to major organs and begin new infections."

Some of the dangers include:
Pregnancy - There is a SEVENFOLD increase in the risk of pregnant women delivering preterm, low birth weight babies. This is the one that got my attention.  Read more
Snapshot - Retirement Planning Savings
Below is a graph which shows the results of a survey of people age 55 and older and the value of their retirement savings plans (exclusive of any pension plans).  Click on graph for a larger version.
retirement savings chart


Thanks for reading!  We encourage your feedback.  We want to make this something you will continue to read and look forward to receiving.
 
Have a great day!
 

Alan Jones
TPA Benefits, LLC

* you didn't expect me to talk about JMU and Richmond and not mention William & Mary, did you?