CalCPA ProtectPlus

On October 9, 2011, California Governor Jerry Brown signed into law a bill that prohibits most teenagers from using tanning beds. Previously, those between ages 14 to 18 could use the tanning beds with a parent or legal guardian’s permission to do so. California has gone further than any other state’s restrictions, according to the National Conference of State Legislatures.

In June, Texas made a law banning children under the age of 16 ½ from tanning beds and requiring in-person parental consent for those under 18 years of age. In Delaware, a new law prohibits those under 14 from tanning facilities unless they have a doctor’s prescription and requires those under 18 to have a parental or guardian sign a consent form in person at the facility. Other states are working on bills to restrict the use of tanning facilities for those under 16.

Skin cancer is the most common of all cancers – accounting for nearly half of all cancers within the United States. More than 2 million cases of non-melanoma skin cancer are found each year in the U.S. The International Agency for Research on Cancer (IARC), reports that tanning is extremely dangerous to young people. People who use tanning beds prior to age 30, increase their risk of melanoma by 75%. According to www.skincancer.org an estimated 123,590 new cases of melanoma will be diagnosed in the US in 2011 – 53,360 non-invasive and 70,230 invasive, with nearly 8,790 resulting in death. Melanoma is the most common form of cancer for young adults ages 25-29 and the second most common form of cancer for people ages 15-29. People who use tanning beds are 2.5 times more likely to develop squamous cell carcinoma and 1.5 time more likely to develop basal cell carcinoma. Both of these types of skin cancer are classified as non-melanoma and develop on sun-exposed areas of the body and are likely to be cured if caught and treated early.

It is vital that we protect ourselves and our children from the sun’s harmful rays and we need to be aware of the dangers of the sun and tanning beds.

The following information is from www.cancer.org and will help us to learn more on what precautions we can take to protect ourselves from skin cancer and what the risk factors and warning signs are.

What are the risk factors for skin cancer?

Risk factors for non-melanoma and melanoma skin cancers include:

• Unprotected and/or excessive exposure to ultraviolet (UV) radiation
• Fair complexion
• Occupational exposures to coal tar, pitch, creosote, arsenic compounds, or radium
• Family history
• Multiple or atypical moles
• Severe sunburns as a child

What are the signs and symptoms of skin cancer?

Skin cancer can be found early, and both doctors and patients play important roles in finding skin cancer. If you have any of the following symptoms, tell your doctor.

• Any change on the skin, especially in the size or color of a mole or other darkly pigmented growth or spot, or a new growth
• Scaliness, oozing, bleeding, or change in the appearance of a bump or nodule
• The spread of pigmentation beyond its border such as dark coloring that spreads past the edge of a mole or mark
• A change in sensation, itchiness, tenderness, or pain

Can skin cancer be prevented?

The best ways to lower the risk of non-melanoma skin cancer are to avoid intense sunlight for long periods of time and to practice sun safety. You can continue to exercise and enjoy the outdoors while practicing sun safety at the same time. Here are some ways you can do this:

• Avoid the sun between 10 a.m. and 4 p.m.
• Seek shade: Look for shade, especially in the middle of the day when the sun’s rays are strongest. Practice the shadow rule and teach it to children. If your shadow is shorter than you, the sun’s rays are at their strongest.
• Slip on a shirt: Cover up with protective clothing to guard as much skin as possible when you are out in the sun. Choose comfortable clothes made of tightly woven fabrics that you cannot see through when held up to a light.
• Slop on sunscreen: Use sunscreen and lip balm with a sun protection factor (SPF) of 15 or higher. Apply a generous amount of sunscreen (about a palm-full) and reapply after swimming, toweling dry, or perspiring. Use sunscreen even on hazy or overcast days.
• Slap on a hat: Cover your head with a wide-brimmed hat, shading your face, ears, and neck. If you choose a baseball cap, remember to protect your ears and neck with sunscreen.
• Wrap on sunglasses: Wear sunglasses with 99% to 100% UV absorption to provide optimal protection for the eyes and the surrounding skin.
• Follow these practices to protect your skin even on cloudy or overcast days. UV rays travel through clouds.
• Avoid other sources of UV light. Tanning beds and sun lamps are dangerous because they can damage your skin.

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The following is from womenshealth.gov – a project of the U.S. Department of Health and Human Services Office on Women’s Health.

National Women’s Health Week is a weeklong health observance coordinated by the U.S. Department of Health and Human Services’ Office on Women’s Health. It brings together communities, businesses, government, health organizations, and other groups in an effort to promote women’s health. The theme for 2011 is “It’s Your Time.” National Women’s Health Week empowers women to make their health a top priority. It also encourages them to take steps to improve their physical and mental health and lower their risks of certain diseases. Those steps include:

• Getting at least 2 hours and 30 minutes of moderate physical activity, 1 hour and 15 minutes of vigorous physical activity, or a combination of both, each week 
• Eating a nutritious diet
• Visiting a health care professional to receive regular checkups and preventive screenings
• Avoiding risky behaviors, such as smoking and not wearing a seatbelt
• Paying attention to mental health, including getting enough sleep and managing stress

Learn more about National Women’s Health Week.

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With springtime officially here, we may find ourselves spending more time enjoying the outdoors with our family. Our children play very hard outside – running through long grass and shrubs - where ticks could be dwelling – which makes our children very vunerable.  Being bit by a particular tick can be a very serious issue because some ticks may carry Lyme disease which can be transmitted if it bites someone. The animals that most often carry these ticks are white-footed field mice, deer, raccoons, opossums, skunks, weasels, foxes, shrews, moles, chipmunks, squirrels, and horses. We need to make sure our children are not bit by one of these ticks and if they have been bitten by one, we should know what to do in order to prevent possible serious health complications.

A few simple things you can do to help protect your kids from ticks while they are outside are:

• to have them wear long pants tucked into their socks
• to wear long sleeved shirts
• to wear Light colored clothing so you are more apt to see the sesame seed sized tick
• apply insect spray
• check your child for the tick when they come in from the outdoors

In the early stages of Lyme disease, you may experience flue-like symptoms such as a stiff neck, chills, fever, headaches, and muscle aches just to name a few. You also may see a large expanding skin rash – the bullseye rash - around the area of the tick bite. Watch the video below from ABCNEWS.com –  GMA Health for more details about Lyme Disease and how to detect whether your child has been bit by one of these ticks and what treatment is necessary for your child.

The following article is from The American Dietetic Association and information will help to educate us on how to read food labels when we are grocery shopping so that we can make wise and healthy purchases.

Nutrition Facts Panel

Become a smart shopper by reading food labels to find out more about the foods you eat. There are several reasons why it is smart to check out the Nutrition Facts found on most foods: 

• Find out which foods are good sources of fiber, calcium, iron and vitamin C
• Compare similar foods to find out which one best meets your nutritional needs
• Search for low-sodium foods
• Look for foods that are low in saturated fat and trans fat.

Start with the Serving Size 

• Look here for both the serving size (the amount for one serving) and the number of servings in the package.
• Compare your portion size (the amount you actually eat) to the serving size listed on the panel. If the serving size is one cup and you eat two cups, you are getting twice the calories, fat and other nutrients listed on the label.

Check Out the Total Calories and Fat 

• Find out how many calories are in a single serving and the number of calories from fat. It’s smart to cut back on calories and fat if you are watching your weight.

Let the Percent Daily Values Be Your Guide 

Use percent Daily Values (DV) to help evaluate how a particular food fits into your daily meal plan: 

• Daily Values are average levels of nutrients for a person eating 2,000 calories a day. A food item with a 5 percent DV of fat provides 5 percent of the total fat that a person consuming 2,000 calories a day should eat.
• Percent DV are for the entire day, not just one meal or snack
• You may need more or less than 2,000 calories per day. For some nutrients you may need more or less than 100 percent DV.

The High and Low of Daily Values 

• 5 percent or less is low. Aim low in total fat, saturated fat, trans fat, cholesterol and sodium.
• 20 percent or more is high. Aim high in vitamins, minerals and fiber.

Limit Fat, Cholesterol and Sodium 

Eating less fat, cholesterol and sodium may help reduce your risk for heart disease, high blood pressure and cancer.

• Total fat includes saturated, polyunsaturated, monounsaturated and trans fat. Limit to 100 percent DV or less per day.
• Saturated fat and trans fat are linked to an increased risk of heart disease.
• High levels of sodium can add up to high blood pressure.
• Remember to aim for low percentage DV of these nutrients. (continue reading…)

The following information is from The ACS|BNY Mellon HSA Solution. We hope you find it beneficial.

Combined tax forms 1099-SA and 5498-SA were mailed to The ACS|BNY Mellon HSA Solution account holders on January 29, 2011. The information on these forms will be submitted to the IRS. Account holders receive these combined tax forms for their records only. Account holders use the information on these forms to complete IRS Form 8889.  The 1099-SA and 5498-SA forms do not need to be attached to the account holder’s tax return.

Tax form 5498-SA: This form reports contributions made to an account holder’s Health Savings Account (HSA) by the account holder or by an eligible individual on the account holder’s behalf, as well as contributions made by their employer, if applicable. The IRS requires The ACS|BNY Mellon HSA Solution to issue form 5498-SA to every account holder who had any contribution activity in their HSA during the previous tax year (2010). Account holders can access this form by logging into their HSA account; click on the “Account Holders Services” tab then “View Tax Forms”.

Note: If an account holder makes a prior year (2010) contribution by April 18, 2011 they will receive an amended 5498-SA in May.

Tax form 1099-SA: This form reports distributions made from an account holder’s HSA. The IRS requires The ACS|BNY Mellon HSA Solution to issue Form 1099-SA if account holders took a distribution from their HSA during the previous tax year (2010). Account holders can also access this form by logging into their HSA account; click on “Account Holders Services” then “View Tax Forms”.

IRS form 8889: Account holders must obtain, complete and file IRS Form 8889 as part of the federal tax filing by April 18, 2011. It is downloadable from www.irs.gov or account holders can log into their HSA account and click on the “Account Holder Services” tab; then click “Useful Links”; then “Form 8889″. If both spouses have an HSA, then two forms are required (one for each account).

Additional HSA tax resources are available!

• Two online tax educational programs are now available. You may either click on the “watch video” links below or access the tax programs on our Web site at hsamember.com; click on the “Tools” section in the middle of the home page or by clicking on the “Resources” tab in the upper right corner of the home page.
   
  It’s Tax Time:
  Need tax filing information for HSAs?

Tax Guidelines for HSAs  Watch video
Information on HSA tax forms  Watch video

• Employers can log on to the hsamember.com Web site using their employer ID and view additional tax information in a presentation specifically designed for employers. To access this presentation, click on the “Reports” tab; then click on the PDF labeled “Tax Information for Employers”.

Do you have additional HSA tax questions?

For additional HSA tax questions, call the Employer Support Team at 866-712-4551, Monday through Friday, 8:00 a.m. to 8:00 p.m., Eastern time.
  

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When I go to the grocery store, I always wonder where the fruits and vegetables have been and just how clean they are. The following article pretty much sums up those questions by listing the top 10 dirtiest fruits and vegetables. After reading it, you will realize that you have to really clean your produce before eating it. To read more about how to properly clean your produce, click here.  I think you will find the article below to be very valuable and make you think twice about taste testing that grape at the grocery store!

One thing to note, the same report pointed out that onions, asparagus, eggplant, avocado and pineapples are the top five cleanest fruits and veggies…so you may want to add those to your grocery list this week!

The following article is from Health.com – By Ashley Macha

Are the fruits and vegetables you buy clean enough to eat?

The Environmental Working Group (EWG) studied 100,000 produce pesticide reports from the U.S. Department of Agriculture and the U.S. Food and Drug Administration to create a list of 49 of the dirtiest and cleanest produce.

So before you hit the grocery store, see how some of your favorite fruits and veggies measured up.

Did one of your favorites make the list? Don’t worry, the EWG recommends purchasing organic or locally grown varieties, which can lower pesticide intake by 80% versus conventionally grown produce.

Celery
This stalky vegetable tops the dirty list. Research showed that a single celery stalk had 13 pesticides, while, on the whole, celery contained as many as 67 pesticides.

Chemicals fester on this vegetable as it has no protective skin and its stems cup inward, making it difficult to wash the entire surface of the stalk. It’s not easy to find locally grown celery, so if you like this crunchy veggie, go organic.

Peaches
Peaches are laced with 67 different chemicals, placing it second on the list of most contaminated fruits and vegetables. They have soft fuzzy skin, a delicate structure, and high susceptibility to most pests, causing them to sprayed more frequently.

Strawberries
This red, juicy fruit has a soft, seedy skin, allowing easier absorption of pesticides. Research showed that strawberries contained 53 pesticides. Try to buy strawberries at a local farmer’s market for a sweet dessert. (continue reading…)

Below is a great article about foods that that can help you have healthier skin. Enjoy!

15 Foods That Fight Breakouts

By Lucy Danziger, the Editor-in-Chief of SELF magazine.

If you’re craving clear, smooth skin (and who isn’t?), you don’t have to spend a fortune on cleansers and creams. In fact, you might already have everything you need to battle blemishes in a surprising place: your fridge. Turns out, what you put in your mouth is as important as what you slather on your face when it comes to curing and preventing common complexion woes.

We all heard this advice as teenagers—to try to fight breakouts by swearing off french fries or chocolate chip ice cream (I know, painful then and now!). But researchers are beginning to hone in on exactly which foods have acne-fighting powers, and lucky for me, they happen to be some of my favorites (Nuts! Spinach!). So if it’s flawless skin you seek, don’t think about what you can’t eat—toss these yummy bites in your shopping cart and try SELF’s delicious recipes to be your most beautiful inside and out.

Nibbles with Zinc

My go-to snack, almonds are rich in zinc, which may help banish existing blemishes and prevent new ones from forming. The mineral works to reduce inflammation to shrink bumps, and it also slows sebum production to reduce shine and prevent more breakouts from forming. Munch on a handful, or toss them into a savory Almond-Pear Galette.

Great sources of zinc:

1. almonds
2. baked beans
3. beef
4. chickpeas
5. oysters
6. pumpkin seeds (continue reading…)

The following information is from Medicare.gov and is beneficial to those who are new to Medicare. This article will guide them through the actions they need to take in order to get the most from their Medicare benefits. 

New to Medicare? 6 Things You Need to Do

Use this checklist to get the most from your Medicare benefits and make sure your claims get paid quickly and correctly.

1. Fill out an Initial Enrollment Questionnaire
The Initial Enrollment Questionnaire (IEQ) should come in the mail about 3 months before you qualify for Medicare. It asks about other health insurance you have that might pay before Medicare does, like group coverage you have from your employer or through a family member, treatments covered under liability insurance, or workers’ compensation you get.

You must fill out and return this questionnaire to make sure your medical bills get paid correctly and on time. You can:
• Mail back the paper copy you got in the mail.
• Complete the questionnaire online at MyMedicare.gov
• Complete the questionnaire over the phone by calling the Coordination of Benefits Contractor at 1-800-999-1118. TTY users should call 1-800-318-8782.

2. Fill out an Authorization Form
Medicare can’t give personal health information about you to anyone unless you give permission in writing first. If you want your loved ones to be able to get information about your care, it’s a good idea to provide authorization in advance. You can do this in several ways:

• Fill out and submit an e-Authorization Form online: Medicare Online Forms.
• Download and complete a .PDF version of the Standard Authorization form: Medicare Online Forms. Mail the completed, signed form to Medicare BCC, Written Authorization Department, P.O. Box 1270, Lawrence, KS 66044.
• Call 1-800-MEDICARE (1-800-633-4227) and ask for the Standard Authorization form to complete and mail in. Or, the CSR can help you complete the form over the phone, then mail the form to you to sign and return. (continue reading…)

The VSP Member Vision Card has been updated and can be found on the VSP website.  The Member Vision Card replaces the current generic Member Reference Card found on the website. VSP’s enhanced Member Vision Card is perfect for those of us that would like our vision insurance card in our wallet to remind us of important information regarding our vision plan!

The purpose of the card is to reduce vision benefit questions you may have and it contains personalized information, such as:

• Member name
• Coverage type (i.e., Member Only, Family, etc)
• Client ID number
• Doctor network name
• Co-pays

Since the card is personalized, only members can log in and print their own card. This enhanced card is a convenience for members and is not required when you visit your eye doctor for an exam.

Protected Health Information (PHI), such as the member ID number and date of birth, is not included on the card because if it was, members would be put at risk of identity theft if the card were to be lost or stolen. VSP is committed to protecting the privacy and security of their members and their information.

Log on now to print out your enhanced Member Vision Card! Log in to to VSP, or create a new account if you don’t have one already. Under “My Benefits” go to “Benefit Resources” and click on “Member Vision Card”. You will be asked to confirm your state of residence and once you do that, your card will appear and will be ready to print!

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The following information is provided by cdc.gov:

CDC urges women to take 400 mcg of folic acid every day, starting at least one month before getting pregnant, to help prevent major birth defects of the baby’s brain and spine.

About folic acid - Folic acid is a B vitamin. Our bodies use it to make new cells. Everyone needs folic acid.

Why folic acid is so important - Folic acid is very important because it can help prevent some major birth defects of the baby’s brain and spine (anencephaly and spina bifida) by 50% to 70%.

How much folic acid - a woman needs 400 micrograms (mcg) every day.

When to start taking folic acid- For folic acid to help prevent some major birth defects, a woman needs to start taking it at least one month before she becomes pregnant and while she is pregnant. Every woman needs folic acid every day, whether she’s planning to get pregnant or not, for the healthy new cells the body makes daily. Think about the skin, hair, and nails. These – and other parts of the body – make new cells each day.

How a woman can get enough folic acid- There are two easy ways to be sure to get enough folic acid each day:

1. Take a vitamin that has folic acid in it every day. Most multivitamins sold in the United States have the amount of folic acid women need each day. Women can also choose to take a small pill (supplement) that has only folic acid in it each day. Multivitamins and folic acid pills can be found at most local pharmacy, grocery, or discount stores. Check the label to be sure it contains 100% of the daily value (DV) of folic acid, which is 400 micrograms (mcg).

2. Eat a bowl of breakfast cereal that has 100% of the daily value of folic acid every day. Not every cereal has this amount. Check the label on the side of the box, and look for one that has “100%” next to folic acid.

Fact Sheet  - Download and print this fact sheet.

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If you are vacationing just over the state line, across the country, or elsewhere in the world and experience a medical problem, you will be glad to know that ProtectPlus has you covered. The Anthem Blue Cross card that identifies you as a ProtectPlus subscriber is not only good for network coverage in California, it also represents your membership in BlueCard®, a national program through the BlueCross BlueShield Association that enables members of one Blue company to obtain healthcare services while traveling in another Blue company’s service area.

Boasting an impressive reach, this coverage extends to all 50 states and Puerto Rico, plus more than 200 countries and territories worldwide. So, you can enjoy your vacation at ease knowing that covered healthcare is within easy reach. Here are a few guidelines for making use of your coverage with the least hassle.

Always carry your ID card wherever you are traveling, and in any emergency go to the nearest hospital. If you don’t need emergency care but do need to see a doctor or visit a hospital before you return home, call the “Coverage while traveling” number on the back of your Anthem Blue Cross ID card for help in locating the provider nearest to you, or referral authorization. For travel in the US, Puerto Rico and US Virgin Islands, you can also find participating provider information online (provider.bcbs.com).

Once at the hospital or doctor’s office, present your Anthem Blue Cross card. For services provided in the US, you shouldn’t have to complete claims forms or pay up-front for medical care other than your usual out-of-pocket expenses such as deductibles and copays. Anthem will send you a complete explanation of benefits.

If you are traveling out of the country and need emergency medical care, call, or have a family member or friend call the BlueCard Worldwide Service Center collect (1-804-673-1177) as soon as you are admitted to a hospital. If you need nonemergency care, the service center will help you make an appointment with a doctor or facilitate your hospitalization at a network hospital. The center can help obtain cash-less access for inpatient care except for your usual out-of-pocket expenses. For outpatient care and/or services from a non-network hospital you may have to pay the provider and submit a claim form.

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5 Ways to Turn Back the Clock (www.prevention.com)

Nighttime is the right time to take years off your face

“Hormonal changes boost blood flow to the skin, brightening it overnight,” says Melvin Elson, MD, a clinical professor of dermatology at Vanderbilt School of Nursing. Skin temps are higher, too, so age-fighting potions seep deeper for better results. And even though you’re resting, your skin is hard at work. Studies show that cell turnover is 8 times faster at night, softening wrinkles.

On the flip side, as anyone who’s pulled an all-nighter can attest, the consequences—pasty-looking skin and dark circles—aren’t pretty. “Even worse, not getting the recommended 8 hours increases levels of the stress hormone cortisol, which may slow collagen production, promoting wrinkles,” says Jyotsna Sahni, MD, a sleep medicine doctor at Canyon Ranch in Tucson. To maximize your beauty sleep, follow this routine nightly to wake up with the complexion of your dreams.

Wake Up to Better Skin
Your complexion works hard to repair itself while you rest. Here’s how to take advantage of this natural healing process.
By Patricia Curtis

1. Keep It Clean

Washing your face plays two important roles: it removes damaging dirt and makes your night cream work harder
Removing makeup, oil, and other impurities helps keep pores tight and skin blemish free. Anti-aging treatments can also penetrate deeper on a clean surface. For dry skin, look for a creamy cleanser; for acne-prone or oily skin, a gel formula. If your skin is sensitive, wait 10 minutes after cleansing before applying anti-agers. (continue reading…)

Whether or not you are eligible for COBRA or CalCOBRA depends on several factors. Please contact Infinisource at 800-594-6957 (Participant) or 866-320-3040 (Employers) for information specific to your coverage.

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Our group plans require that you work a minimum of 20 hours per week in order to maintain your coverage. If you plan to retire before your 65th birthday (Medicare eligible age) you will not be eligible for coverage. You may be eligible for COBRA and/or CalCOBRA coverage depending on the size of your firm. Please contact Banyan Administrators, LLC at 877-480-7923 to discuss your options.

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The following information is from Medicare.gov.

Question: 2010 Part B Premium Amounts for Persons with Higher Income Levels

Answer:  Most Medicare beneficiaries will continue to pay the same $96.40 Part B premium amount in 2010. Beneficiaries who currently have the Social Security Administration (SSA) withhold their Part B premium and have incomes of $85,000 or less ($170,000 or less for joint filers) will not have an increase in their Part B premium for 2010.

For all others, the standard Medicare Part B monthly premium will be $110.50 in 2010, which is a 15% increase over the 2009 premium. The Medicare Part B premium is increasing in 2010 due to possible increases in Part B costs.  If your income is above $85,000 (single) or $170,000 (married couple), then your Medicare Part B premium may be higher than $110.50 per month.

Social Security will use the income reported two years ago on your IRS income tax return to determine your premium (if unavailable, SSA will use income from three years ago).  For example, the income reported on your 2008 tax return will be used to determine your monthly Part B premium in 2010. If your income has decreased since 2008, you can ask that the income from a more recent tax year be used to determine your premium, but you must meet certain criteria.

The chart below shows the Part B monthly premium amounts based on income. These amounts change each year. There may be a late-enrollment penalty.

  (continue reading…)

A few cooking tips from the American Heart Association to help you lower your cholesterol.

Cook fresh vegetables the low-fat, low-salt way
Try cooking vegetables in a tiny bit of vegetable oil, adding a little water during cooking if needed, or use a vegetable oil spray. Just 1 to 2 teaspoons of oil is enough for a package of frozen vegetables that serves four. Place in a skillet with tight cover, season, and cook over a very low heat until vegetables are done.

Add herbs and spices to make vegetables even tastier. For example, these combinations add new and subtle flavors:

• Rosemary with peas, cauliflower and squash
• Oregano with zucchini
• Dill with green beans
• Marjoram with Brussels sprouts, carrots and spinach
• Basil with tomatoes

Start with a small quantity (1/8 to 1/2 teaspoon to a package of frozen vegetables), then let your own and your family’s taste be your guide. Chopped parsley and chives, sprinkled on just before serving, also enhance the flavor of many vegetables.

Use liquid vegetable oils in place of solid fats
Liquid vegetable oils such as canola, safflower, sunflower, soybean, and olive can often be used instead of solid fats such as butter, lard or shortening. If you must use margarine, try the soft kind. Use a little liquid oil to:

• Pan-fry fish and poultry.
• Saute vegetables.
• Make cream sauces and soups using low-fat or fat-free milk.
• Add to whipped or scalloped potatoes using low-fat or fat-free milk.
• Brown rice for Spanish, curried or stir-fried rice.
• Cook dehydrated potatoes and other prepared foods that call for fat to be added.
• Make pancakes or waffles. (continue reading…)

 Before we go to bed tomorrow night we need to remember to set our clocks one hour ahead. Daylight saving time officially begins at 2 a.m. on March 14th. Each Spring we move our clocks one hour ahead (“Spring forward”) which means we lose an hour during the night. This occurs on the second Sunday in March at 2 a.m.when we move one hour ahead of Standard Time. We do this again in the Fall on the first Sunday in November at 2 a.m. and we set our clocks back one hour and return to Standard Time which means we gain an extra hour.  

Daylight Saving Time was first seen in the United States during World War I in order to save energy for war production by taking advantage of longer hours of daylight between April and October. It came up again during World War II and the government required the states to observe the time change. During the wars and the years following, some states and communities chose to observe Daylight Saving Time and others did not. In 1966, Congress passed the Uniform Time Act and that set the standard of the length of Daylight Saving Time.

Since 2007, Daylight Saving Time is four weeks longer than it had been over the past decades due to the passage of the Energy Policy Act in 2005. The intent of this Act was to save 10,000 barrels of oil daily because of the reduced use of power by businesses during the day.

If you live in Arizona, Hawaii, American Samoa, Guam, Puerto Rico and the U.S. Virgin Islands, those areas don’t observe Daylight Saving Time and therefore, won’t be loosing any sleep!

TIP:  This is also the perfect time to check the batteries in your smoke and carbon monoxide detectors.

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There is controversy over whether it is safe or not to take medications past the expiration date. You will find people who will throw away the medicine on the exact date of its expiration and those who will take it years after it has expired. However, it is always best to safeguard your own health and that of those in your household by listening to common sense and discard of all expired medications. If a medicine’s expiration is in doubt, take it to a pharmacy or to a doctor – they are the experts and will be able to advise you appropriately.

An expiration date is assigned by the manufacturer of a drug to represent its shelf life. Medication breaks down over time – liquids separate into layers and solids may become powders. The expiration date is the time in which the medication is safe to take and will have the desired result. Expired medicine includes both over-the-counter medicine (i.e. cold medicine, vitamins, aspirin) and medicine that has been prescribed by a doctor.

Medications can expire before the expiration date if they are not stored properly. When air, humidity, heat, or sunlight makes contact with medications their potency and consistency regardless of expiration date can change. When storing your medications you want to store them in cool, dry, and dark places –somewhere in the neighborhood of 59 and 80 degrees. Storing medication in the bathroom or kitchen cupboards is very common, but those places are the last areas to store your medication. Those locations can have heat, humidity, and sunlight and medications will break down and lose potency under such conditions. In fact, when medication expires and it loses potency, it could be very dangerous, especially to those with health conditions where they are dependent on the medications such as high blood pressure medication.

Medicine storage areas should be cleaned out every six months to a year. Always keep your medicine in its original container – this keeps it safe and it will be easier to know if medicine has expired.

Remember, if a medication has expired, be aware of how to properly dispose of it. Flushing it down the toilet or pouring it down the drain might lead to contamination of your area’s water supply. Throwing it in the trash may eventually contaminate the soil. Ask your pharmacist if there is a recycling program in your neighborhood or call your local hazardous waste disposal department.

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The following information is from Medicare.gov.

If you are under age 65 and disabled, and have been entitled to disability benefits under Social Security or the Railroad Retirement Board for 24 months, you will be automatically entitled to Medicare Part A and Part B beginning the 25th month of disability benefit entitlement. You do not need to do anything to enroll in Medicare. Your Medicare card will be mailed to you about 3 months before your Medicare entitlement date.

You may refuse Part B coverage. However, if you decide to pick up Part B coverage at a later date, but before you turn 65, you may have to pay a 10% surcharge in addition to the Part B premium. Also, please be aware that you will automatically be re-enrolled in Part B when you turn 65, even if you previously refused Part B coverage. You may again refuse coverage, but if you keep it you will not have to pay a surcharge.

Note: A Special Enrollment Period is available if you waited to enroll in Medicare Part B because you or your spouse was working AND had group health coverage through a current employer or union. If this applies, you can sign up for Medicare Part B:

• While you are still covered by an employer or union group health plan, through your or your spouse’s employment, or
• During the 8 months following the month when the employer or union group health plan coverage ends or when the employment ends (whichever comes first).

The Social Security Office can answer questions about applying or appealing Social Security Disability benefits. They can also answer questions about when you will be eligible to receive Medicare.

Your 24-month waiting period will be waived if you have been diagnosed with ALS (Amyotrophic Lateral Sclerosis). This disease is commonly known as Lou Gehrig’s Disease.

The following information is from IRS.gov and is very beneficial to those who have an HSA account.

Death of HSA Holder

You should choose a beneficiary when you set up your HSA. What happens to that HSA when you die depends on whom you designate as the beneficiary.

Spouse is the designated beneficiary.   If your spouse is the designated beneficiary of your HSA, it will be treated as your spouse’s HSA after your death.

Spouse is not the designated beneficiary.   If your spouse is not the designated beneficiary of your HSA:

· The account stops being an HSA, and

· The fair market value of the HSA becomes taxable to the beneficiary in the year in which you die.

If your estate is the beneficiary, the value is included on your final income tax return.

TIP: The amount taxable to a beneficiary other than the estate is reduced by any qualified medical expenses for the decedent that are paid by the beneficiary within 1 year after the date of death.

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