Author Archive

Extended Leave

Life happens, and sometimes you need to take an extended period of time away from work outside of what your standard PTO and sick time off cover.

This is where the Family and Medical Leave Act (FMLA) steps in. It provides employees up to 12 weeks of unpaid leave in a 12-month period to handle the birth, adoption, or foster placement of a child, care for oneself or an immediate family member due to severe health conditions, or qualifying emergency due to a spouse, child, or parent being a covered member of the armed services on active duty. The FMLA ensures your job is protected while you are away (i.e., you cannot legally be let go due to your absence) and you keep your health insurance during the leave.

Some states, such as California and Colorado, also require employers to provide certain forms of paid sick leave or paid family and medical leave. In some instances, this paid leave also applies to employees affected by domestic violence or assault. These provisions vary widely by state, and not all states require employees to put paid sick leave provisions in place. Click HERE and HERE to find your state and any provisions it has made. If your state has both FMLA and paid sick/family leave, your employer must follow the law that benefits employees most.

Extra, Extra! Understanding Supplemental Insurance

Maybe this is a familiar scenario.

You’re reviewing your annual enrollment materials to figure out what coverage is best for you and your dependents. Medical, dental, and vision coverage are pretty straightforward. Now you’re looking at the extra kinds of coverage, and they all sound similar. Accident coverage, hospital indemnity coverage, and critical illness – what’s the difference? While exact coverage varies per provider and employer, these are the general differences between plans.

  • Accident coverage provides benefits for you and your covered family member for expenses related to an accidental injury that occurs outside of work. This coverage can help pay deductibles, copays, and even typical day-to-day expenses such as a mortgage or car payment.
  • Critical Illness coverage pays a lump-sum benefit if you are diagnosed with a covered disease or condition (the exact diseases and conditions will be specified in plan documentation). You can use this money however you like. You might pay expenses not covered by your medical plan, lost wages, childcare, travel, home healthcare costs, or any of your regular household expenses.
  • Hospital Indemnity coverage pays you cash benefits directly if you are admitted to the hospital or an Intensive Care Unit (ICU) for a covered stay. This can help pay for your medical expenses such as deductibles and copays, travel cost, food and lodging, or everyday expenses such as groceries and utilities.

While these coverages may overlap at points, they are definitely not all the same. Before your next benefits enrollment, consider whether you might want to enroll in any of these coverages for a little extra peace of mind.

Eye on Vision

Many of us got our first pair of glasses in childhood while our peers could see a chalkboard perfectly from the back of the room.

They didn’t have to worry about breaking their glasses in basketball games or poking themselves in the eyes learning to put in contacts, but the vast majority of them wound up with glasses in their mid-40s anyway. This is due to the onset of presbyopia, which is the gradual loss of the ability to focus visually on up-close objects. (Fun fact: the word “presbyopia” literally means “old-person eyes”!)

Roughly 80% of the American population develops presbyopia between ages 45 and 55 and requires some form of vision correction to restore their near vision. There are different treatment options depending on the individual and the severity of the presbyopia.

Reading glasses are the easiest option and often the first for people who had good vision up until this point in their lives. They can be found over-the-counter and offer mild correction at a single strength (the entire lens has the same enhancing power from top to bottom). Bifocals and trifocals are a little more complicated. Their lenses are divided into two or three sections, respectively, by sharp horizontal lines – each section has a different corrective strength, helping you see well both up close and at a distance. Progressive multifocal lenses also have a range of corrective powers, but do not have lines and offer a smoother transition between the power changes.

If you’re over 40 and having trouble seeing clearly up-close, talk with your eye doctor. It’s likely your vision or even medical coverage can help with the financial costs of an exam or glasses. You can also use Health Saving Account or Flexible Spending Account dollars toward a new set of lenses.

Sources:

Presbyopia – Diagnosis and treatment – Mayo Clinic
The prevalence and demographic associations of presenting near-vision impairment among adults living in the United States – PMC (nih.gov)

Release Valve: Lowering Blood Pressure

People joke about it in stressful situations, and it’s one of the first things your doctor checks with that big rubber arm cuff when you come into the office.

Blood pressure, simply described, is the pressure that your blood puts on the arteries that carry it through your body. When that pressure stays too high, it can have negative effects on your health such as organ damage, heart attack, strokes, and more.

High blood pressure can be caused by certain health conditions such as diabetes and obesity, as well as not getting a healthy amount of exercise or eating well. If you’re concerned about this aspect of your health, here are some small, daily steps that can help you lower your blood pressure.

  • Balance nutrients. Eating less sodium (under 1,500 mg daily) and eating more potassium (found in foods like sweet potatoes, bananas, and spinach) can help ease your blood pressure down. (If you’re already on blood pressure medications, first talk with your doctor about your potassium intake as certain medications affect potassium levels.) Consuming food with probiotics – such as yogurt – can also help.
  • Get moving. Daily aerobic activity, such as jogging, brisk walking, or swimming, is invaluable to a healthy heart. Shoot for 30 minutes a day (if you have health concerns around exercise, talk to your doctor first).
  • Watch substance use. Too much alcohol can raise your blood pressure and sometimes interfere with blood pressure medications. Smoking is also proven to increase blood pressure and increase risk of heart disease.

If you’re experiencing blood pressure issues, it’s crucial to talk to your primary care physician. Treatment might be a combination of the steps above and medication, but your doctor will help you make a plan to bring it down.

Sources:

10 ways to control high blood pressure without medication – Mayo Clinic
Prevent High Blood Pressure | cdc.gov

A Listening Ear: Therapy for Kids

Whether it’s helping kids process traumatic experiences or simply giving kids a space to learn good coping skills, therapy can help children improve their internal, home, and social life and become healthy, well-adjusted adults.

The stress and isolation of the COVID-19 pandemic have taken their toll on everyone: a late 2022 study indicated roughly 40% of Americans experienced high psychological distress at least once during the pandemic. These effects are certainly not limited to adults. Kids are also social creatures, and the abrupt transition to remote learning on top of sudden, great uncertainty led to an overall decline in youth mental health internationally.

Kids can react to stress in many different ways, including being irritable or moody, experiencing sleep disturbances, crying frequently, or losing interest in things they usually enjoy. One of the best things you can do is listen to your child and take their concerns seriously. Even if you know that some of the things they worry about won’t matter in the long run, it’s important that your child knows you’re a safe and compassionate person to talk to.

Finding a therapist can be helpful for your child as well, whether it’s for short-term or long-term concerns (in addition to pandemic-related concerns, there is a range of therapies for kids affected by ADHD, PTSD, anxiety, depression, and a host of other issues). Coverage varies widely by medical plan, so check your plan details. You may be able to locate a provider through your carrier’s website, as well through the American Psychological Association. It’s also worth checking the details of your Employee Assistance Program – oftentimes it provides both you and your dependents access to a number of visits with a licensed professional and other mental health resources.

Sources:

Effects of COVID-19 pandemic on mental health of children and adolescents: A systematic review of survey studies – PMC (nih.gov)
Therapy to Improve Children’s Mental Health | CDC

Doc On Retainer: Concierge Medicine

2023 May, Benefit Spotlight April 27, 2023

If you’ve moved recently or had to find a new primary care physician (PCP) for any reason, it might have taken you much longer to get an appointment than expected.

Even getting a regular appointment could take weeks longer than it used to. You’re not imagining it – due to a growing shortage of PCPs, Americans are having to wait significantly longer to see doctors than we used to.

An alternative to long waits at traditional doctors’ offices is concierge medicine, or its cousin, direct primary care (DPC). To access this kind of care, you’ll pay an annual or monthly fee that gets you direct physician access. Each practice will vary, but generally you can expect to receive the following benefits:

  • Guaranteed access to care 24/7
  • Same-day or next-day appointments
  • Coverage of standard care like blood work, preventive screenings, and physicals
  • No copays or deductibles for office visits
  • More personalized care
  • On average, twice as much time with your doctor per visit

It’s crucial to note that there are drawbacks as well. DPC practices typically do not accept insurance and are entirely fee-based, while some concierge systems do accept insurance. You’ll still need regular health insurance to cover hospitalization and specialty referrals. If cash is tight, concierge medicine may not be a good choice – annual fees can run from $1,200 to $10,000. However, if your finances are in a good place, and you want guaranteed access to care, there is a growing number of concierge and DPC providers you can investigate today.

What Is Concierge Medicine? A Complete Guide – Forbes Health
Advantages and Disadvantages of Concierge Medical Care (aarp.org)
Many Doctors are Switching to Concierge Medicine, Exacerbating Physician Shortages – Scientific American

Changing Times: Menopause

Plenty consequences of aging are talked about – balding, joint stiffness, a sudden need for bifocals – but one aspect of aging isn’t talked about as often, even though it affects roughly half the population.

Menopause is a natural part of aging, marking the time in which a person with a uterus stops menstruating. It typically occurs between the ages of 45-55, but can happen earlier, for example, if someone had a hysterectomy or suffered damage to their ovaries from chemotherapy.

The menopausal transition lasts on average from 7 to 14 years. Its length depends on many factors such as smoking, current age, race, and ethnicity. Menopause involves changes in hormonal levels, specifically estrogen and progesterone. These hormones regulate one’s period and release of eggs, or ovulation. When the body stops ovulating, the levels of these hormones drop off. The reduction of these hormones can cause multiple symptoms:

  • Hot flashes
  • Changes in menstrual cycle
  • Trouble sleeping
  • Emotional changes/mood swings
  • Fatigue
  • Depression
  • Weight gain
  • Changes in libido
  • And more

These symptoms can range from mild to pretty miserable, but there are hormonal and non-hormonal ways to treat them. Hormonal treatments involve taking low doses of estrogen or estrogen-progesterone through a patch, pill, or cream, while non-hormonal treatments involve changing one’s diet, exercising, and other prescription medications. If you are experiencing any of the symptoms above, have a uterus, and are over 40, you may want to talk to your doctor to see whether you are beginning menopause. They can help you figure out the best path forward to minimize your symptoms.

SOURCES:
https://my.clevelandclinic.org/health/diseases/21841-menopause
https://www.mayoclinic.org/diseases-conditions/menopause/symptoms-causes/syc-20353397
https://www.webmd.com/menopause/guide/menopause-basics

Too Bright! Blue Light Concerns

Between computers, tablets, and smart phones, we spend a lot of time looking at screens every day – almost half of every day, in fact.

The isolation of the COVID-19 pandemic boosted weekly screen times even higher. Aside from the well-documented effects that much screen time can have on your mental health, there’s a possibility it can affect your physical health too.

You may have read about or seen ads for blue light glasses or blue light filters, which are supposed to help protect your eyes from the harmful effects of a certain kind of blue light. This spectrum of blue light is created primarily by the sun, but also by fluorescent lights, LED TVs, and most device screens. Our eyes are not good at filtering blue light naturally, so most of it passes through the front of the eye to the retina (the part of the eye that helps the brain process what we see).

Some studies indicate that constant, ongoing exposure to blue light could eventually damage the retina, causing problems such as macular degeneration. However, these studies are ongoing and not conclusive. There is some evidence that blue-light blocking lenses do not actually protect your retinal health, despite what some advertisers may claim. Blue light lenses may help reduce eye strain from prolonged screen time, but that is unrelated to retina damage.

While blue light might not damage your retinas, it can still be harmful to you in other ways. Too much blue light can reduce your body’s production of melatonin and throw off your circadian rhythm, which disrupts your sleep cycle. A simple fix is to limit your screen time before bed so your body knows it’s time to go to sleep.

SOURCES:
https://pubmed.ncbi.nlm.nih.gov/29044670/
https://www.health.harvard.edu/blog/will-blue-light-from-electronic-devices-increase-my-risk-of-macular-degeneration-and-blindness-2019040816365

Practical Self-Care

It’s a phrase prominent in recent ads, whether for ice cream, golf clubs, or even soap – “self-care” is everywhere, convincing you that you could make yourself happy with a new exfoliant or take a much-earned break with a glass of wine. While there’s nothing wrong with treating yourself now and then, that’s not actually what self-care is – it’s far more important.

Self-care, simply put, means setting aside time to do things that bolster both your physical and mental health. While this could certainly involve a special snack or a bubble bath, there are multiple, daily acts of self-care you can take that will help you take care of your emotional and physical health.

Take care of your body. This could be as simple as taking twenty minutes to walk up and down the block. It might mean making sure you drink enough water. It could look like making sure you get enough sleep, getting enough protein in your diet, or taking up yoga.

Take care of your mind. Self-care in this arena can look like eliminating sources of unnecessary stress from your life. Cutting back on social media time might be a good self-care practice. Making sure you see friends and family who help you be your best self, doing a relaxing, creative hobby, or even meditation are just a few examples of mental and social self-care practices.

Not every practice works for every person. Set some time aside to experiment with different practices. Maybe yoga isn’t for you, but you want to pick up tennis instead. Meditation is not everyone’s cup of tea, but walking in nature might be just as effective in helping you move your body and relax your mind (see HERE and HERE for more suggestions.) It might take some time to find your best individual self-care practices, but they’ll be invaluable to your overall health and happiness.

SOURCES:
What is Self-Care? – ISF (isfglobal.org)
Self-Care: 12 Ways to Take Better Care of Yourself | Psychology Today
NIMH » Caring for Your Mental Health (nih.gov)

Broadening Benefits for Your Health: Lifestyle Spending Accounts

While your medical insurance covers much of your bodily health, and many companies have Employee Assistance Programs to help you out with mental health, there’s more to your overall wellbeing.

Employers realize this, which is why more and more companies are adding a new acronym to the fold – the LSA, or the Lifestyle Spending Account.

Health Savings Accounts and Flexible Spending Accounts help cover specific IRS-approved expenses such as copays, glasses, or dental care, Lifestyle Spending Accounts have fewer restrictions. They can be used to pay for a broad variety of services and products that promote your own physical, mental, or financial wellness. Below are just a few examples:

  • Exercise equipment and nutritional supplements
  • Personal trainer
  • Entry fees for races or sports leagues; sports lessons
  • Spiritual retreats
  • State or national park passes
  • Camping equipment
  • Spa treatments
  • Estate planning costs
  • Financial planning services

The crucial difference between LSAs and other health-related spending accounts is that expenses submitted for reimbursement through a Lifestyle Spending Account are taxable to you. The reimbursed amount is considered income and is subject to the same taxes as your normal wages. If you’re looking to further your health and wellness, see whether your employer offers an LSA. It can be a helpful tool in taking care of yourself.