All posts by Intrinsiq Materials

Health Insurance and Federal Employees

Mаnу U.S. Fеdеrаl еmрlоуееѕ assume thаt Fеdеrаl Emрlоуее Group Lіfе Insurance (FEGLI) іѕ thе bеѕt рlаn аvаіlаblе tо thеm bесаuѕе they аrе аutоmаtісаllу еnrоllеd іn thе bаѕіс plan as soon аѕ thеу become employed. Mаnу еvеn choose tо аdd оnе оf thе аddіtіоnаl three coverage орtіоnѕ (Options A, B or C). But how dо fеdеrаl employees really knоw that they’re getting thе mоѕt аffоrdаblе рlаn and thе best соvеrаgе available? Hаvе they fullу wеіghеd thе pros аnd соnѕ of thе plans? Arе they aware оf аltеrnаtіvеѕ such as this federal employee health insurance open enrollment?

Tо hеlр federal еmрlоуееѕ bеttеr undеrѕtаnd FEGLI’s соѕtѕ аnd bеnеfіtѕ, I’ve come up wіth a lіѕt оf FEGLI pros and соnѕ. I hоре thаt thіѕ lіѕt will hеlр fеdеrаl еmрlоуееѕ dесіdе whether оr not FEGLI іѕ thе bеѕt рlаn for thеіr fаmіlу or whether they should opt for other alternatives.

Prоѕ of FEGLI

1.Cоnvеnіеnсе – Yоu’rе аutоmаtісаllу enrolled in basic coverage, regardless of your аgе оr health. Yоu don’t hаvе tо tаkе any mеdісаl еxаmѕ, аnd you’re guaranteed соvеrаgе as lоng as you аrе еmрlоуеd wіth thе government аnd рау the premiums. The рrеmіumѕ аrе аlѕо automatically dеduсtеd from уоur paycheck, ѕо you dоn’t hаvе tо worry аbоut mаkіng рауmеntѕ.
2.Ability tо сhооѕе соvеrаgе amount – Thе basic plan covers your ѕаlаrу rоundеd uр tо thе nеаrеѕt thоuѕаnd plus $2,000, but уоu саn сhооѕе tо add more соvеrаgе. Option A аddѕ $10,000 tо уоur coverage, and Oрtіоn B аllоwѕ you tо сhооѕе еvеn mоrе.
3.Family соvеrаgе – Option C allows уоu tо соvеr уоur ѕроuѕе аnd уоur сhіldrеn іn addition tо уоurѕеlf. Sоmе оthеr рlаnѕ rеԛuіrеd уоu tо hаvе ѕераrаtе роlісіеѕ for each person.

Cоnѕ оf FEGLI

1.Cоѕt – The аddіtіоnаl соvеrаgе Options A, B аnd C аrе an аddіtіоnаl соѕt tо the bаѕіс рlаn аnd thеѕе рrеmіumѕ increase аѕ уоu gеt older. Thе рrеmіumѕ fоr thе соvеrаgе оn your spouse аnd children are based оn уоur age, not thе аgе оf your fаmіlу mеmbеrѕ, ѕо thеѕе соѕtѕ also increase as уоu age. You’ll аlѕо hаvе to pay аn extra premium іf you’d like to add Aссіdеntаl Death and Dismemberment Inѕurаnсе.
2.Cоvеrаgе may be tеmроrаrу – You wіll оnlу bе еlіgіblе whіlе you wоrk for thе fеdеrаl government or if уоu retire from thе gоvеrnmеnt роѕіtіоn. If you choose to lеаvе your jоb оr are tеrmіnаtеd, уоu lоѕе уоur FELGI соvеrаgе.
3.Lack оf орtіоnѕ – Althоugh FEGLI dоеѕ offer a fеw орtіоnѕ, іt does not offer choices lіkе Whоlе Lіfе Inѕurаnсе, Single Prеmіum Whоlе Lіfе оr Universal Lіfе Insurance. Thеѕе policies оffеr fеаturеѕ and benefits that are not included in FEGLI’ѕ plans.
4.Dіffісult tо increase соvеrаgе – Yоu can dесrеаѕе your соvеrаgе аmоunt at аnу tіmе, but you саn only іnсrеаѕе during open еnrоllmеnt реrіоdѕ, bу tаkіng a physical exam, or wіth a “Qualifying Lіfе Evеnt”. The last ореn enrollment was аlmоѕt 10 уеаrѕ ago іn Sерtеmbеr 2004, so іt’ѕ unwіѕе tо wаіt fоr these ореn ѕеаѕоnѕ tо іnсrеаѕе уоur соvеrаgе.

Three Simple Ways to Combat Depression and Anxiety

It’s estimated that over 40 million adults in the US suffer from some type of anxiety or depression disorder. It’s not surprising, given the stresses and demands that come with modern life. There are plenty of factors that can contribute to these conditions that are outside of your control. However, you don’t have to let depression and anxiety rule your life. Here are three ways to combat symptoms and enjoy a calmer, happier life.

See a Professional Counselor or Therapist

Some people with emotional or mental health symptoms may be asking themselves, “What is counseling Somerville NJ“? Unlike a psychiatrist, who specializes in treating more serious issues, often with medication, a counselor or therapist helps people with more common problems. From dealing with grief or stress to overcoming harmful habits, counseling is a great way to address the issues that may be contributing to depression symptoms. It’s also an important resource where you can learn tools and practices to help you navigate more successfully when challenging times come.

Prioritize Sufficient and Consistent Sleep

While trouble sleeping can be a symptom of depression or anxiety, a lack of good sleep can also be a contributing factor. Rest is critical for a healthy body and mind but most adults simply do not get enough sleep on a regular basis. Set yourself up for success by maximizing comfort and building a nightly bedtime routine. Ideally, you should get a minimum of seven hours every night.

Focus on Diet and Exercise

Studies have shown that a diet full of processed foods, simple carbs and refined sugars can make anxiety and depression worse. Instead, try to eat a healthy, balanced diet full of nutritious, natural foods. Boosting your omega-3 and vitamin B12 intake can also help. In addition, make regular exercise a priority since it can help relieve stress, release natural endorphins and improve sleep.

If you have new or worsening symptoms, contact a mental health professional right away. By taking these proactive measures, you can help reduce depression and anxiety symptoms for a better life.

Rewarding Career Options for Serving Others

Do you find yourself wanting to make a living out of helping others? Whether you’re just entering adulthood or are looking to make a career change, there are many options available that can provide rewarding work, and all without having to earn a four-year degree. For a steady job that focuses on helping others, consider these three popular career options.

Massage Therapist

Pursuing a massage therapy career Atlanta is a great way to serve others while providing for your family. As a massage therapist, you’ll be able to help people learn how to manage and relieve chronic pain, reduce stress and live a healthier life. While the training and education varies based on the type of massage you choose to study, many programs can be completed in less than a year, making it easy for you to get started quickly.

Medical Assistant

For many people, a visit to the doctor can cause anxiety and stress. As a medical assistant, you can play an important role in helping people get the health care they need while helping them feel welcome, comfortable and more at ease. There are numerous paths and options for medical assistants. You can choose to obtain your certification with a high school (or equivalent) diploma or pursue an associate’s or bachelor’s degree in the field. You can also work in numerous settings, from pediatrics and family medicine to specialists’ offices.

Personal Trainer

Good health is imperative to leading a happy and productive life. As a personal trainer, you can help people achieve their weight loss or fitness goals, rebuild muscle after an injury or surgery or simply stay in healthy shape for a longer, better life. You don’t necessarily have to take an education course to become a fitness instructor or trainer, although it may help you broaden your horizons and better understand the ins and outs of running your own business.

With a little training and lot of passion, you can make a career out of helping others. Make the switch today and take your first steps towards a more rewarding occupation.

Post-menopausal bleeding

Post-menopausal bleeding is not particularly uncommon although it does require examination and history taking to ascertain its cause. Typically the bleeding is temporary and benign, but occasionally it can be something more serious.

If your patient experienced their last menstrual cycle more than 12 months ago, and is now bleeding again, this is a cause for concern and should be investigated thoroughly. When detected early, most conditions that bring on post-menopausal bleeding (including cancer) can be treated successfully.

What causes bleeding after menopause?

Emphasise to your patient that in the vast majority of cases, bleeding post-menopause is not a cause for alarm. Oftentimes, the bleeding is so temporary that its origin is never discovered, and never needs to be. But of course, any unusual symptoms or extreme pain can be an emergency or require treatment quickly.

The most common reasons for post-menopausal bleeding are:

  • A thinning of the lining of the uterus
  • An inflammation and/or thinning of the lining of the vagina (known as atrophic vaginitis)
  • Growths in the uterus or cervix (polyps). Similar to fibroids, these are typically not cancerous
  • Abnormalities in the uterus or cervix
  • A thickened endometrium (referred to as endometrial hyperplasia). This can often be caused by hormone replacement therapy (HRT)

The above are fairly common and usually not serious. But again, we must highlight that a serious underlying cause will be present in around 10% of patients presenting with them. This includes cervical, ovarian and uterine cancers, where clearly time is of the essence. This is why it’s essential for nurses and other healthcare practitioners to be aware of the symptoms and causes of post-menopausal bleeding, and what treatments may be required.

Do you feel confident in understanding why a patient is experiencing post-menopausal bleeding? Do you know the types of questions to ask and how best to phrase them?

If you’re looking to brush up on your skills in this area, you may well find our course Gynae core skills for first contact practitioners particularly useful. Designed specifically for healthcare professionals including first contact nurses, nurse practitioners and practice nurses, it can help you develop the skills necessary to diagnose and advise on a range of gynaecological issues.

This one-day course – worth 7 hours of CPD – is held entirely online so is perfect for interactive learning at a distance. Two dates are currently available: 12th January 2021 and 27th April 2021. All course material, evaluations and certificate of attendance are included, however this course is one of our more popular ones so make sure you sign up early!

Tips for Keeping Your House Fire-Safe

Home fires are horrific: They are always frightening, potentially deadly and often costly. The best way to survive the experience is to prevent a fire from occurring in the first place. A lackadaisical approach to prevention is akin to fanning the flames of possibility. Every homeowner should take measures to fireproof a home, and every renter should light a fire under the landlord to take the initiative. Here is a lifesaving plan worth formulating.

Smoke Detectors

Sometime in your life, you may have asked yourself the following: How do I become a firefighter in Texas? If so, you likely are concerned about home-fire safety education, which is a firefighter priority. Most municipal fire companies promote smoke detector awareness, foremost, and for good reason: Placing working smoke detectors in every room is the single most effective life-saving fire-safety measure. Nearly 60% of fire deaths occur in homes without smoke alarms. Make sure your detectors are newer and your batteries are changed twice a year.

Electrical System

An outdated electrical system is a disaster-in-waiting. If your is decades old, and in particular if it is made up of knob and tube wiring, you need to replace it now. However, even newer layouts may be dangerously insufficient. If your circuit breaker continually trips, or if you have multiple electronics and appliances plugged into single outlets, you are overtaxing the wiring within the walls. The wires will get hot and can melt their surrounding sheathing, starting a fire within the insulation.

Sleeping Situations

Nighttime activities can create hazards if you do not take precautions. When you fall asleep, you will block out fire-causing conditions. A heating blanket that runs too hot can, for example, start a fire; you should set yours to turn off automatically. Smoking while relaxing in bed is particularly hazardous; it becomes too easy to become so relaxed that you fall asleep while the cigarette is still lit. Your best bet is to avoid taking a drag while in bed — or while sitting on a soft-stuffed chair, for that matter.

Cooking Calamities

The crowded kitchen offers many opportunities for quickly spreading flames to erupt; this is where grease and fire come into close proximity. Keep towels, curtains and plastic drying-racks far away from the stove, but store a fire extinguisher within reach of your cooking.

Firefighters join the ranks because they want to save lives when fires erupt. Rather than extinguishing a roaring blaze, they would prefer the fire did not start in the first place. You can do your part to put a blanket over potential fire causes by creating a prevention plan right away.

Prepare a Romantic Picnic for Two

Packing a delicious picnic basket and spending time with your loved one in the park, at the beach, or on a rooftop is a wonderful idea that many couples enjoy. Before you choose the basket and blanket, however, you need to decide what to include on your menu.

Small Changes Improve the Menu

One great way to enjoy a romantic picnic is to skip the main course and pack snack foods instead. Rather than planning a sack lunch-type menu, think of a casual party with friends. Some of the best options are appetizers, easy to hold side dishes, and desserts. Focus on menu items that can be eaten by hand, and, for an extra romantic touch, find some foods that require both of you to prepare.

Inexpensive Ways To Create a Luxurious Meal

A challenge that many people face when preparing a picnic is the desire to invest in luxury foods. However, you can save a lot of money by focusing on some basic items and then swapping them up one step:

  • Replace apples and bananas with cherries, strawberries, or figs.
  • Rather than a veggie tray, slice your zucchini, cucumber, carrots, and other vegetables thin and long. Skip the salad dressing and use hummus instead.
  • Prepare a small charcuterie board with olives, cheese, meats, and honey.
  • Swap out potato chips for a sliced baguette and use a simple caprese spread.
  • Instead of packing water or soda, pair your food with spritzers, wine or sparkling wine.
  • Don’t settle for cookies, pick up some of the tasty pastries arlington heights has available.

You can also make your picnic look fancier by upgrading the packaging. Plastic bags are convenient, but brown paper, fabric, and twine create a much more beautiful presentation.

Think Beyond the Food

In addition to the food, make sure you pack items for comfort and convenience:

  • Cloth napkins
  • Utensils, including a corkscrew and serving spoons
  • Wine glasses
  • Sunscreen and bug spray
  • Wet clothes for handwashing
  • Flowers
  • Small chocolates

Think about sticking to a color scheme or other theme that’s meaningful to both of you.

A romantic picnic is a simple way to spend time with each other. This doesn’t mean, however, that the setting or the menu should be simple. Make small improvements to each to create a wonderful ambience and tasteful experience.

Parts of a Dental Implant

More patients than ever before are interested in teeth implants Lombard IL. They can be great restorations for people who are missing one or many teeth. Few people, though, are actually aware of the process of getting a dental implant. It can be a lengthy endeavor, and it is important that patients understand what to expect. There are three main parts of the dental implant: the implant, the abutment and the crown.

Implant

The implant is the screw that is placed inside the jawbone. The dentist uses a guide to create a space large enough to hold the implant. The implant, made of a strong titanium material, is then placed inside the bone and covered with gum tissue. The site is left undisturbed for several months so that the implant can fuse with the bone.

Abutment 

Once the implant has correctly fused with the bone, the top of the implant is uncovered. A metal piece known as an abutment is screwed onto the top of the implant. The abutment can be seen above the gums. It is what allows the dentist to attach a tooth to the dental implant.

Crown

Once the dental implant site has completely healed, it is ready for a crown to be attached to it. The crown can be made of metal or porcelain, and it is made to match the patient’s other teeth in size and color. Once the crown is placed, the patient can chew with it just like any other tooth.

Dental implants are wonderful restorations for those who are wishing to replace one or many teeth. To find out more information, speak with your dentist about whether you are a candidate for this type of procedure. Always ask what your best options are, and learn as much about each procedure as possible. In this way, you can make informed decisions about your care.

4 Tips For Waking Up Earlier

A lot of people find themselves at the end of the day, wishing they could have gotten more things done. Logic suggests that you may have been able to complete more tasks in your day if only you had woken up earlier.  The question then becomes, how do you wake up early when you don’t want to?

It can be difficult to find the motivation to get yourself out of bed when the only thing you want to do is rest under the warm and cozy covers.

The good news is that there are some great tips out there that are incredibly effective.  Take a look at some of the best pointers for waking up earlier and getting more done.

Set Your Alarm

This may seem logical to some people; however, you’d be surprised how many people don’t rely on an alarm. An alarm helps you wake up your brain when it’s still in a deep sleep. The key to waking up earlier is getting into the habit.

Setting an alarm even on weekends will help you force your body to start moving at an earlier time. As your body starts to become used to your wake-up time, you can start setting your alarm earlier and earlier. Before you know it, you’ll have eaten breakfast, shaved your face, and read the newspaper all before 7:00 o’clock in the morning!

Drink Coffee

Coffee is one of your best friends in the morning. A hot cup of java will help you get the day started on the right foot. While caffeine isn’t recommended in large doses, one or two cups every day can help put an extra pep in your step.

If possible, program a coffee machine so that after your alarm goes off, you have a hot cup of coffee ready to go. One of the hardest parts of waking up early is having to stumble into the kitchen and make coffee half asleep. By programming coffee ahead of time, you’ve already won half the battle.

Take a Shower

A lot of people want to skip a shower in the morning since that means they can sleep longer. However, taking a shower is one of the best ways to give your body a blast of energy.

Not only does the temperature boost your immune system, but you also feel fresher for the rest of the day. There’s something about knowing you’ve taken a shower that gives you extra confidence. Feeling smelly or less than fresh won’t do you any favors at work.

Listen To Music

Music is a great way to motivate yourself in the mornings. Set up a playlist that you enjoy every morning to help boost your mood. Music has the power to energize your body and mind at the same time.

 

4 Ways to Make Your Everyday Life Easier

Everyday life is full of the unexpected. From family, work, and home issues to events happening in your community and beyond, you never know when you might need to deal with something you weren’t anticipating. For better or worse, it’s part of living. How to cope? The answer varies depending on the event, but there are some foundational things you can do regularly that will help make life simpler and strengthen you when unexpected times come. Here are a few. 

1. Get On a Schedule

As best you can, work out a flexible schedule that leaves plenty of time for work, recreation, relationships, and self-care. You’ll find that you get more done without having to think about it as much, and also gain more free time to spend any way you wish. 

2. Get Sharpened

Everyday items like knives, razors, and scissors need to be sharp to work effectively. Think about how much more enjoyable cooking would be if your knives sliced through food with no effort. Do a quick search of shear sharpening Hilton Head Island to find a service that can do the task quickly and easily. 

3. Get Upkeep

Be sure your automobile is in great working order at all times. Even if you don’t use it often, it’s imperative to have it running well for errands, the occasional trip, and any emergencies that come up. 

4. Get Seen

Don’t skimp on your regular health checkups. Your practitioners can do maintenance care, spot any issues before they become serious, and help you maintain your vitality. Then, when unanticipated things happen (and they will), you’ll be operating from a healthier baseline. Don’t forget mental health, too — break the stigma and get support as you need it. 

Maintenance always makes good sense. Consider these practical tips to get started! 

4 Ways To Get Yourself Out of an Emotional Rut

At any given time, anyone can find themselves stuck in an emotional rut. Whether it’s due to your job, school or a relationship, feeling cemented in place hinders your ability to move forward. If you’ve found yourself in this situation, here are four ways to pry yourself free and continue on with your life.

Start Working Out

People often don’t give exercise the credit it deserves. Not only does a good workout get you in good physical shape, it’s also good for the mind. When you’re unable to move on with a certain aspect of your life, exercise can get you out and moving and also get those creative thought processes going.

Visit a Medium

Visiting a medium is an excellent way to see yourself in a brand new light. When you enlist the help of a clairvoyant medium Temecula, they often see things you can’t see about yourself. These fresh, new viewpoints lead to replacing negative vibes with positive thoughts about your true life purpose.

Reassess Your Goals

When you’re stuck in place, that’s life’s way of telling you something needs to change. Sit down and make a list of your goals, then realistically assess whether you’re on the right path. You may discover you only need a slight adjustment to get yourself back on track.

Meditate

Another way to free your thoughts is to meditate. Meditation keeps you focused on the present instead of regretting the past, or fearing the future. The inner peace meditation creates allows you to feel more alive in the moment and eliminate whatever is holding you back.

Take a Breather

Just as there are times when things progress rapidly, there are times it feels you’re achieving nothing. When this happens, take a breather and try meditation, get an opinion from a medium and reassess your goals. You’ll more than likely find the rut wasn’t as deep as you thought.