Tip Tuesday: Bid 2009 - And Your Bad Habits - Farewell Forever!

Despite the semi-cliche nature of New Year's resolutions, there is something to be said for the motivational aspects associated with wanting to make a change as we ring in another year. No wonder New Year's Eve has turned into such a sought after holiday. It is the last day to get all the mistakes out, because a fresh start begins at midnight.

I can't help but think of a quote from Anne of Green Gables, "Tomorrow is a new day with no mistakes in it...yet." As we welcome 2010, our slate is wiped clean and we have 364 more days to keep it that way.

So this New Year, why not make some resolutions and actually stick with them! Your body, your mind and your wallet will thank you. Let's explore some common New Year's resolutions and some ways to uphold them in 2010 & beyond.

1. Quit smoking
2. Lose weight
3. Eat out less
4. Save money
5. Drive less, bike more

In order to successfully follow through with your resolutions, turn them into goals and actually write them down. Seeing them on paper solidifies your decision to combat what you want to change this year.

Change your way of thinking. Instead of saying "I'm going to try to..." rephrase your goals as an "I" statement with a definitive timeline for completion. For example, "I will quit smoking by February 15, 2010," or "I will lose 25 pounds by June 30, 2010." Having a timeline enables you to work towards your goals, instead of making excuses and putting them on the back burner.

Most importantly, enjoy making your resolutions a reality! For instance, make exercising fun by doing something you enjoy, like playing the Wii with your family or going for a bike ride and getting some fresh air. If you feel yourself getting into a rut, switch it up a bit and keep it fun. Nothing interrupts resolutions like repetition!

Once you've achieved your goals, treat yourself to something you've longed for, but be realistic (remember, we are watching our wallets too). Knowing there will be a payout for success will give you added ammunition to make your goals a reality.

Good luck, I know you can do it!

Until Next Year,
Michelle

Photo Credits: Reading Public Library

Giving Back...

In addition to being an employee benefits health insurance resource to our clients, Benefit Advisors is committed to the betterment and improved wellbeing of the communities we serve. In these times of turmoil, it is the commitment of Benefit Advisors to help aid and assist those families and individuals in need.

As such, Benefit Advisors employees participate each year in the United Way of Marion County Resource Campaign. This year, we had 100 percent of our employees donate, increasing our overall company giving by more then 15 percent from last year.

Benefit Advisors is also proud to support Kiwanis Club of Ocala and Camp Kiwanis. Last month, we sponsored the Annual Kiwanis Pancake Day at the highest sponsorship level. And, yes, the pancakes were as yummy as ever!

What’s up next? Benefit Advisors will be participating in the 2010 United Way Day of Caring on Saturday, February 27, 2010. If you’d like to help make a difference in our community, give me a call @ 352-479-0944. Join the Benefit Advisors team as we work to help make a difference.

See you there!

Michelle D.

ARRA COBRA Subsidy Extended

On Saturday, December 19, 2009, the President signed HR 3326 (the Department of Defense Appropriations Act of 2010, DoDAA), which extends the ARRA subsidy. This information became public knowledge on Monday, December 21, 2009. Under HR 3326, major changes to ARRA include:

• Currently, ARRA eligibility for involuntary terminations of employment ends on December 31, 2009. This is now extended to February 28, 2010, without regard to when the COBRA coverage period actually begins.
• The maximum ARRA subsidy period, previously nine months, is now 15 months for all assistance eligible individuals (AEIs). This includes any AEIs whose subsidy expired November 30, 2009.
• Those whose ARRA subsidy ended on November 30, 2009, have an extended grace period in which to pay their COBRA premium. The grace period is now extended until 60 days after the date that the DoDAA was enacted (i.e., February 17, 2010) or, if later, 30 days after a DoDAA notice is sent to them.
• Two new notifications are required. First, plans need to notify all individuals who were AEIs as of October 31, 2009, or la ter of the DoDAA changes. This notice needs to be sent within 60 days of DoDAA's enactment date. A second notice needs to be sent to those AEIs who lost their ARRA subsidy to notify them of their extended payment grace period.

Other bill-related information is available at The Library of Congress website.

Thank you to our partners at Infinisource for this update!

Tip Tuesday: Volunteer, It's Good For the Soul!!

Yesterday, myself and several of my Benefit Advisors co-workers participated in the Ride 2 Recovery Florida Challenge, sponsored by UnitedHealthcare. The Ride 2 Recovery is produced by the Fitness Challenge Foundation, (501C3) in partnership with the Military and VA Volunteer Service Office, to benefit Mental and Physical Rehabilitation Programs that feature cycling as the core activity.

More than 180 cyclists participated in the Florida Challenge, traveling from all over the United States. They kicked off in Tampa and will end in Jacksonville later this week.

We had the pleasure of getting to know some of our wounded veterans, which was a wonderfully uplifting experience to say the least. Their spirit, courage and dedication to the cause was not only inspirational but very humbling. I would like to say thank you to UnitedHealthcare for inviting our agency to participate in such a wonderful afternoon of giving back and for the cultivation of new friendships. To view some of our pictures from the event, visit us on Facebook.

This holiday season, I challenge you to set aside some time to give back, because it is truly good for the soul!

Until next week,
Michelle D.

10 Things You Should Ask Santa For This Year, Your Health Will Thank You...

10. Edible Arrangements – Tired of sending and receiving the same flowers year after year? This holiday, change it up a bit with a festival of fruit. It’s not only healthy, but beautiful and delicious too. To order, visit http://www.ediblearrangements.com/ to find a location nearest you.

9. Gym Memberships – Give a boost to your new year’s resolutions and start 2010 off with a bang. Gyms like Planet Fitness offer memberships for as low as $10 a month. With locations nationally, it’s now easier than ever to burn off those extra holiday pounds.

8. A Bicycle – According to Registered Dietitian Tera Liescheidt, “Bicycling is a great way to see the outdoors, take in the fresh air, or simply get around town. It’s also an efficient way to burn excess calories, shed body fat and improve cardiovascular health. Depending on your body weight and the intensity of your ride, you will probably burn some where between 400 and 500 calories on a one hour bicycling trip.”

7. Nintendo Wii – Aimed at bringing active, social gaming into your living room, the Wii provides a great way for family and friends to laugh, bond and workout together. With games like Wii Fit, Wii Fit Plus, Just Dance and Your Shape featuring Jenny McCarthy, you’re sure to feel the burn and the fun!

6. A GNC Gift card – Start taking the right vitamins for you in 2010. Watch Dr. Bresser on Good Morning America as he explains which vitamins help and how they work.

5. A Lunch Box – Ditch the high-cal fast food and bring your lunch when you're own-the-go. Try the BUILT Gourmet Getaway Lunch Tote, a fun lightweight way to take along your lunch!

4. Comfy Clothes – Get some stylish clothes that meet two needs: working out & relaxing. For women, I recommend the Nike Women’s Tempo Track Running Shorts (available in every color combination imaginable) and some sort of Dri-FIT Cotton shirt. For men, try Nike Dri-FIT Tempo Track Two-In-One Running Shorts.

3. Running Shoes – It is recommended you change out your kicks every 350-500 miles, which tends to creep up on you faster than you’d think. Treat your feet, back and posture this year to a new set of running shoes. According to Exercise Physiologist Elizabeth Quinn, “Over time running shoes lose stability and shock absorption capacity. When this happens the stress to the feet and legs increases dramatically. Over time such added stress can lead to an overuse injury. A simple prevention strategy includes replacing running shoes when they wear out.”

2. Pots & Pans – With all the new recipes you’ll be cooking up in 2010, treat yourself and your kitchen to a new set of pots and pans.

1. A Spa Day – Take a day to treat your body and your mind! Health benefits of massage and relaxation are huge and include:
· Calms the nervous system and promotes a sense of relaxation and well being.
· Reduces tension and anxiety
· Improves blood circulation, which delivers oxygen and nutrients to the cells.
· Prevents and relieves muscle cramps and spasms.

Have a happy & healthy holiday season from all of us at Benefit Advisors!

Until Next Week,
Michelle D.

Tip Tuesday: Treat Yourself Every Once in Awhile

With Christmas right around the corner and new year's resolutions on the horizon, it's hard not to get caught up in the hustle and bustle of the holiday season. This month, take some time to treat yourself and enjoy some great recipes with family and friends. Relax and indulge - just this once - because you deserve it!

I hope you enjoy some of our favorite -- quick & easy -- holiday meal ideas/recipes:

Baker Man
Fit 1 pie crust into a 9-inch pie plate according to package directions. Pour a jar of apple sauce into the crust. Roll the remaining pie crust to press out fold lines and cut into 1/2 inch strips. Arrange strips in a lattice design over the filling, fold edges under and crimp. Bake on lowest oven rack at 425 degrees for 30 to 35 minutes or until golden, shielding pie with aluminum foil to prevent excessive browning, if necessary. Serve with whipped cream if desired.

Breakfast-in-bed
Heat up your favorite biscuits and spread some warm apple butter on top. A great way to start off your morning...

Bon Appetit
Take an 8 oz. block of cream cheese and let soften to room temperature. Top with 1/2 jar of your favorite jam or chutney. Serve with your favorite crackers. Want to make your own chutney You can find some great recipes at allrecipes.com.

Here's to a Happy Holiday season for all,
Michelle D.

H1N1 Resources

Worried you or a loved one might have the H1N1 flu? Take the H1N1 Flu Self-Evaluation.

Want to get vaccinated? Find flu vaccination locations nearest you with Google maps Flu Shot Finder.

Tip Tuesday on Wednesday: Gearing Up for a Safe & Healthy Holiday Season

First, I'd like to apologize for not posting our Tip Tuesday yesterday. I was attending a Leadership Ocala/Marion session on government and the environment. Now onto our Tip Tuesday on Wednesday...

With the Thanksgiving holiday upon us, the anticipation of friends, family and turkey seems to be on everyone's mind. However, I can't help but stew about the implications of traveling this year. With H1N1 still gaining ground and claiming countless victims, it seems to me that taking precautions need be on everyone's to-do list.

I recently came across some great tips for travelers courtesy of American Red Cross.

Before Traveling

• If sick, stay home. It's disappointing not to be able to join in the family celebration, but act responsibly and stay home to avoid spreading the flu.
• It's possible to spread the flu virus one day before actually showing symptoms. Those who have been in close contact with a sick individual should be extra careful about using good hand hygiene and cough etiquette and stay very aware of what might be flu symptoms.

While Traveling

• Wash hands with soap and water as often as possible. If soap and water aren't available, use hand sanitizer with at least 60 percent alcohol.
• Use sanitizing wipes to disinfect hard surfaces such as airplane tray tables, luggage handles, cell phones, door handles and seat armrests.
• Remember to wash hands or use a hand sanitizer before eating any meals or snacks. It's important to remember that you are touching a lot of surfaces that others are touching as well. Make sure your hands are clean before you put anything into your mouth.
• Bring personal blankets, pillows and earphones to avoid using something which may have been in contact with the flu virus.
• After washing hands in a public restroom, turn off the faucet with a paper towel. Then use another paper towel to dry hands and open the door when exiting the restroom.

Have a Safe Celebration

• Avoid the usual kisses and handshakes when greeting friends and family.
• If hosting the holiday dinner and someone in the household becomes ill, make sure that they can be isolated into a separate area for care, or ask another family member to host dinner to avoid spreading the flu.
• Wash hands frequently, before preparing food, while cooking, and especially before eating.
• Keep plenty of hand soap in the bathroom, preferably in a pump container. Skip the pretty hand towels this year and instead use disposable hand towels or a roll of paper towels.
• Consider putting the glasses away this year and using plastic cups, or provide a way for guests to identify their drinks. Don't drink out of anyone else's glass.
• Put serving utensils in every dish, including snacks like nuts, pretzels, etc. This allows people to spoon out their portion instead of reaching in with their hands.

Here's to a safe & wonderful Thanksgiving,

Michelle D.

Tip Tuesday: Fall Asleep Faster Tonight!

In a world that literally never sleeps (no doubt thanks to the massive amounts of information exchanged every second on sites like Facebook & Twitter) it is only fair to summize that a growing number of us are having a hard time 'unwinding' when the sun goes down.

I can't speak for everyone, but I sure have had my share of hard times turning off the thoughts to catch some much needed Zzzz's. Even when I ache for rest, sometimes my brain just won't stop to refuel and recharge.

If you're feeling like your battery is on empty, here are some tried and true tips that just might help put some pep in your step this week:

1. Limit caffeine, alcohol and tobacco before bed.
2. Unwind with some light reading. Avoid stimulating books, t.v. or movies around bedtime.
3. Turn on some soothing music. Try Sleep Solutions (The Calming Collection) at Amazon.com.
4. Drink some Sleepytime tea after dinner. It's caffeine & calorie free! I recommend Celestial Seasonings.
5. Take your daily vitamins. Click here for some a list of vitamins and minerals for great sleep by Fitness Magazine.
6. Eat a well-balanced diet. Read The New York Times Health Guide for some tips.
7. Exercise regularly.

Still feeling tired and having trouble sleeping? Check with your doctor to make sure you don't have any underlying medical conditions.

Sweet Dreams,
Michelle D.

Tip Tuesday: BCBS Cost Cutting Suggestions For Members

10 Tips You Should Know

1. When planning for a surgery or treatment, call BCBS Care Consultants at 1-800-955-5692, option 5. You can save yourself time and money by using BCBS's team of experts to help make the right decisions about your care.
2. Stay in-network. BCBS discounted rates with doctors, hospitals and other providers ensure members (YOU) pay less.
3. For non-emergency situations, try using an in-network urgent care center rather than the ER, which will also save you lots of time and money. You can check out the BCBS provider directory at MyBlueService for a list of care centers in your neighborhood.
4. Use Quest Diagnostics for 100 percent coverage on doctor requested lab services.
5. Get prior authorizations and use independent imaging centers when seeking an MRI, CT, PET scan or nuclear cardiology service. Providers in the BCBS network will automatically request an authorization. If your doctor is out of network, you will be responsible for ensuring your doctor obtains an authorization.
6. Go generic on prescription medications and compare prices. MyBlueService lets you compare prices online, anytime.
7. Get preventive check-ups. BlueOptions plans cover many screenings for both adults and children. Use MyBlueService to review your benefits and coverage.
8. Talk to a nurse or health coach for general health concerns. Free access to these experts is available 24/7 through Health Dialog by calling 1-877-789-2583.
9. Save 20 to 60 percent with member-only discounts on health products and services for vision, hearing and weight loss programs - just to name a few!
10. Use MyBlueService to find benefits and claims information. New tools and information to help members stay healthy - and save you money - are added regularly.

Until next week,
Michelle D.

Tip Tuesday: The Tools Are Out There, I Promise...

With the immense amount of information circulating the Web these days, it is simply impossible to overlook the thousands, more likely millions, of resources and tools available to help individuals and families lead - or begin to lead - a healthy, well-rounded lifestyle.

After spending some time "googling," it became quite clear to me that one could virtually build their own wellness program from the comfort of their own home.

But thanks to Tip Tuesday, I'll attempt to give you a jump start...

For starters, I'm a firm believer in evaluating your current state in order to formulate a plan for the future. With that said, my first recommendation in your quest toward wellness would be to do a mini self-audit. There are several tools available at no-cost to you that can provide you with the feedback you need to begin.

WebMD has several user-friendly applications, like the BMI Plus Calculator. According to its Web site, WebMD claims, "The BMI Plus Calculator is an innovative health and weight calculator that gives personal results on 6 different weight and fitness measurements. Whether you're just getting started or have already begun your journey, this calculator will help you understand your body's needs as your body changes for optimal personal success!"

This application is actually very helpful. You simply plug in your current stats and it does the rest for you. Not only does it provide you with your body mass index, but also your waist-to-height ratio, a healthy weight range chart, target caloric intake recommendations, target heart rate zones and a personal summary & plan. Sounds like a win-win to me.

After setting your wellness goals, it might be time to think about the ways in which to set about achieving them. If you ask me, regular exercise and a well-balanced diet are the only way to go, so let's stay away from the fad diets shall we?

Don't want the expense of joining a gym? Check out your local Chamber of Commerce or Parks & Recreation Web site for information on local parks, walking & bike trails or activities going on in your community.

Next, keep a food log. There are several examples I found that you can download for free. Keeping track of your food intake is a great way to track your progress.

Food Log Example 1

Food Log Example 2

And lastly, I would recommend browsing sites like MayoClinic.com or The Food Network to find some healthy recipe alternatives.

All in all, wellness and health don't have to come with a price tag. Just a few minutes a day could help keep the doctor away!

Until next week,

Michelle D.

Tip Tuesday: Are You Living Pink?

• In honor of National Breast Cancer Awareness Month, I wanted to use this week's Tip Tuesday to offer some important information on breast health. In order to decrease the number of individuals being diagnosed each year, it is important to first understand the risk factors associated with breast cancer and how to practice prevention.
  
  According to the Susan G. Komen For the Cure Web site, the following factors can increase breast cancer risk:
  
  
• Getting older
• Inherited genetic mutations
• Lobular carcinoma in situ
• Family history of breat cancer, ovarian or prostrate cancer
• High breast density on mammogram
• Being female
• Radiation exposure in youth
• Benign breast conditions (benign breast disease, hyperplasia)
• Personal history of cancer
• Menopause at age 55 or older
• Not having children or having first child after 35
• High bone density
• Overweight/weight gain
• High socioeconomic status
• Ashkenazi Jewish heritage
• Drinking alcohol
• Lack of exercise
• Postmenopausal hormone use
• First period before age 12
• Current or recent use of birth control pills
• Being tall
• Not breastfeeding

Risk factors aside, one of the most important steps to take in the prevention of breast cancer is early detection and screening. The Susan G. Komen Web site offers some fantastic screening recommendations.

I hope that everyone will evaluate their own personal risks factors and take the steps necessary to stay healthy.

Until next week,
Michelle

H1N1 Vaccine Information - Marion County

Marion County has received its first shipment of H1N1 vaccines. For more local vaccination information, including a clinic schedule, please click on the image below to enlarge.

Tip Tuesday on Wednesday: Flu Prevention

First off, my apologies for not posting the Tuesday Tip yesterday. I was out of the office all day participating in Leadership Ocala.

Yesterday's Tuesday Tip

Flu Prevention: Take 3!

When it comes to preventing the onset of the various influenza viruses, including H1N1 (swine flu), the CDC urges you to take the following actions to protect yourself and others:

1. Take time to get a flu vaccine.

2. Take everyday preventive actions.

• Cover your nose and mouth with a tissue when you cough or sneeze. Throw the tissue away after use.
• Wash your hands often with soap and water.
• Avoid touching your eyes, nose and mouth, as germs spread this way.
• Try to avoid contact with sick people.
• If you are sick with flu-like symptoms, stay home for at least 24 hours after your fever is gone, except to get medical care.
• While sick, limit contact with others.

3. Take flu antiviral drugs if your doctor recommends them.

• If you get seasonal or 2009 H1N1 flu, antiviral drugs can help treat the flu.
• Antiviral drugs are prescription medicines (pills, liquid or an inhaled powder) that fight against the flu by keeping flu viruses from reproducing in your body.
• Antiviral drugs can make illness milder and shorten the time you are sick. They may also prevent serious flu complications.
• Antiviral drugs are not sold over-the-counter and are different from antibiotics.
• For treatment, antiviral drugs work best if started within the first two days of symptoms.
• Flu-like symptoms include fever, cough, sore throat, runny or stuffy nose, body aches, headache, chills and fatigue. Some people may also have vomiting and diarrhea. Please note: people may be infected with the flu, including 2009 H1N1, and have respiratory symptoms without a fever.

Source: Centers for Disease Control and Prevention

Click here to download the Take 3 Brochure

Are you a UnitedHealthcare Member?

If so, UHC is covering the administration of the H1N1 vaccine to all fully insured members, with no copayments, deductibles or coinsurance fees. For more details and information, click on the following links:

• Employer Frequently Asked Questions


• H1N1 Information for UHC Members

For the most up-to-date clinical guidance, please visit www.cdc.gov/h1n1flu

Introducing "Tip Tuesdays"

Benefit Advisors is now going to offer health and wellness tips every Tuesday, so make sure you check back frequently.

Today's Tuesday Tip

Snacking is actually good for you.

Sound silly? Actually, studies show eating nutritious, low-calorie snacks throughout the day may help you with the following:

1. Avoid overeating
2. Burn more calories
3. Improve cholesterol levels

Healthy Snack Alternatives:

1. One cup of fresh or frozen fruit
2. Raw vegetables
3. Low fat cottage cheese
4. Celery and peanut butter
5. Hummus & whol wheat pita bread
6. Low-fat yogurt
7. A handful of nuts

(source: UHC Healthy Mind Healthy Body Newsroom; photo courtesy of http://www.webspin.org/)

Access to Health Care

In September, Benefit Advisors sponsored an Access to Health Care seminar put on by Workforce Connection at the Central Florida Community College Klein Conference Center in Ocala. The event showcased the various health care outlets available to the residents of Marion County.

Benefit Advisors' booth

The panel of speakers address the crowd

Fellow exhibitors

The crowd

Benefit Advisors Featured on PBS Nightly Business Report

Benefit Advisors, along with its client KP Studio Architect PA, was featured on last night's Nightly Business Report Bill of Health special. To view the segment, click here.

No Time For Reading? HEAR the bill....

Don't let your busy schedule keep you from being informed! Visit www.hearthebill.org to LISTEN to the healthcare bill (HR 3200).

Preparing For Flu Season

In an article by Jim Giuliano on August 26, 2009, he describes how health experts are expecting the swine flu to return this year. As a result, the Centers for Disease Control and other agencies will offer guides that can help your company prepare, and maybe even lessen the effects on your employees and on business.

In total, there are three resources the CDC and other agencies offer: “Guidance for Businesses and Employers to Plan and Respond to the 2009 – 2010 Influenza Season.” This document provide a list of “Actions Employers Should Take Now” including:

• Review or establish a flexible influenza pandemic plan and involve your employees in developing and reviewing your plan.
  
• Conduct a focused discussion or exercise using your plan, to find out ahead of time whether the plan has gaps or problems that need to be corrected before flu season.
  
• Have an understanding of your organization’s normal seasonal absenteeism rates and know how to monitor your personnel for any unusual increases in absenteeism through the fall and winter.
  
• Engage state and local health departments to confirm channels of communication and methods for dissemination of local outbreak information.
  
• Develop flexible leave policies to allow workers to stay home to care for themselves or sick family members or for children if schools dismiss students or child care programs close.
  
• Share best practices with other businesses in your communities (especially those in your supply chain), chambers of commerce, and associations to improve community response efforts.

The CDC, the Department of Health and Human Services and the Department of Homeland Security have provided “A Communications Toolkit for Businesses and Employers” that offers:

• Q&As about CDC’s guidance for businesses and employers to plan and respond to the 2009-2010 flu season
  
• A quick reference for business H1N1 flu planning and response
  
• Action steps to keep your business and employees healthy
  
• 8 ways you can stay healthy at work
  
• A poster for workplace entrances to remind sick employees to go home
  
• 3 template e-mails (or letters) for businesses to send to employees about the flu season and staying healthy

OSHA also has offers “Guidance on Preparing Workplaces for an Influenza Pandemic,” which provides a number of measures to protect employees in the event of a flu pandemic, including how to tell if your workplace is at high risk.

Source: Jim Giuliano, August 26, 2009

Benefit Advisors at The Florida Association of Realtors Expo

Benefit Advisors was one of the exhibitors at the 2009 Florida Association of Realtors Expo held at The Rosen Shingle Creek in Orlando, Florida on August 20 & 21. We were proud to represent UnitedHealthcare in its wellness booth as we promoted the state health care access program, Cover Florida, among other health insurance products. If you missed us at the expo, make sure to check out our Web site for the latest health care news and information.

(Pictured Above: Nicole Phoenix, Cover Florida Account Executive; Michelle DeFilipp, PR/Marketing Specialist; Stase' M. Fink, Individual Health Insurance Specialist)

Benefit Advisors Named to Top 100 Best Companies To Work For in Florida

Benefit Advisors, Inc. was recently recognized by Florida Trend Magazine as one of the Best Companies To Work For In Florida. The rankings of the 2009 Best Companies will be published in the August issue of Florida Trend and on FloridaTrend.com.

The Best Companies To Work For in Florida program was created by Florida Trend and Best Companies Group and endorsed by the Florida Chamber of Commerce, the Florida Association of Chamber Professionals, the Florida Economic Development Council (FEDC), the Florida Restaurant and Lodging Association, the Florida Society of Association Executives (FSAE) and the Orlando Regional Chamber of Commerce.

“Our goal is to recognize companies that strive to build even better workplaces for their employees, thereby strengthening their own as well as Florida’s competitive advantage in the national and global arenas,” says Florida Trend Publisher Bruce Faulmann.

To be considered for participation, companies or government entities had to employ at least 15 workers in Florida and be at least a year old.

Companies that chose to participate in the Best Companies To Work For in Florida process underwent a two-part survey process. The first part consisted of evaluating each company's workplace policies, practices, philosophy, systems and demographics. The second part consisted of an employee survey to measure employee satisfaction. The combined scores determined the top companies and the final ranking. Best Companies Group managed the overall registration, survey and analysis process and determined the final rankings. Companies were not required to pay a participation fee to go through the online assessment process.

“We’ve highlighted the practices of companies that have established themselves as great places to work — including everything from how they train their workers to how they communicate and the kind of pay and benefits they provide. This is a great opportunity for companies in Florida to learn from each other as they go about improving their own effectiveness,” says Mark Howard, executive editor.

Averaging a total satisfaction rating of 95 percent, Benefit Advisors was honored as one of the 25 companies recognized in the small-sized business (15-24 employees) category. The complete list of rankings for small, medium and large-sized companies will be outlined in the August issue of the magazine. For a complete list of the 100 Best Companies to Work For in Florida, go to www.FloridaTrend.com/BestCompanies.

Ray Strickland's Objectives for Health Care Reform

Last week, Benefit Advisors President/CEO Ray Strickland went to Washington to speak with legislators about health care reform.

On his agenda were the following objectives:

1. Guarantee the doctor and patient relationship
2. Reduce health insurance costs
3. Foster medical innovation
4. Guarantee everyone the right to purchase health insurance
5. Greater transparency of the quality and cost of health care

As you can see, Benefit Advisors is dedicated to help combat the health care issues our country is currently facing.

Stay tuned for frequent updates and information on health care reform as they unfold.

What are your thoughts on health care? Join the discussion...

Ocala, Fla. July 15, 2009 -- The Ocala/Marion County Chamber of Commerce will hold a panel discussion over breakfast on Tuesday, July 21, 2009 at 7:30 a.m. at Marion County Building Industry Association to discuss the health care options for small businesses in today’s environment.

The speaker panel for the event will consists of Ray Strickland, President/CEO of Benefit Advisors, long term health insurance specialist, benefits advisor and active participant on the current administrations health care advisor team in Washington; Marsha McDaniel, Director of the Worksite Wellness program for Munroe Regional Medical Center, a health care solutions provider; and Ken Daley, President of Bernie Little Distributing, LLC, leading local businessman and 2007 Chairman of the Chamber Board of Directors.

This exciting combination of speakers is certain to be an informative panel, covering many aspects of the health care industry and concentrating on the impact of current health care on small businesses today and into the future. The effects of cost, staying competitive, risks, opportunities and possible solutions to help the small business person remain competitive, will also be discussed.

The hot, southern style breakfast buffet begins at 7:30 a.m., with the panel discussion to immediately follow from 8 to 9 a.m. at the Marion County Building Industry Association, 1400 NE 14th Street in Ocala, Fla. The event is free for Chamber Business, Premium and Legacy Trustee Members. Other members and guests are $10.
For more information, or to RSVP to this event, please contact the Ocala/Marion County Chamber at (352) 629-8051.

ABOUT THE CHAMBER: The Ocala/Marion County Chamber of Commerce is a not-for-profit business membership organization whose mission is to improve the business climate, economy and quality of life in Ocala and Marion County. The Chamber is located at 110 E. Silver Springs Blvd., Ocala, Fla. Web site address is http://www.ocalacc.com/. Office (352) 629-8051.

MEDIA CONACTS
Jaye Baillie, President & CEO
Ocala/Marion County Chamber of Commerce
(352) 229-2363
jaye@ocalacc.com

Elizabeth Stevens, Vice President of Membership and Strategic Development
Ocala/Marion County Chamber of Commerce
(352) 629-8051, ext. 227 (voice)
(352) 629-7651 (fax)
Elizabeth@ocalacc.com

Mr. Strickland's Washington Agenda...

As a member of the Florida Association Of Insurance Agents, Benefit Advisors' President/CEO Ray Strickland, Jr. will be flying to Washington, D.C. this week (July 14-15) to speak with our legislative representatives about health reform.

With a comprehensive agenda, Mr. Strickland, and 52 of his fellow Florida insurance agents, plans to lobby on behalf of consumers and agents nationwide in regards to proper health care utilization and dissemination.

Key points to be discussed will include, but are not limited to, the following:

Recognizing the Need for Reform

• Bipartisan efforts to enact comprehensive health reform could not be more timely or necessary.
• Far too many Americans are uninsured, and the sky-rocketing cost of medical care has made health insurance unaffordable for many.
• Our country must take significant steps to address these problems, and health insurance agents and brokers are committed to real and substantive private market reform to provide all Americans with access to affordable health care.
• The agent and broker community stands ready to work with Congress to leverage health care resources in enrolling uninsured Americans, educating new enrollees and businesses about new available options, and helping all health insurance consumers to be smart shoppers and find the right solutions to meet their needs.

Understanding the Value of Agents & Brokers to Consumers

• Health insurance agents and brokers will be needed more than ever to serve as counselors and advocates in a reformed health care system.
• Every day, agents and brokers guide millions of consumers through the complexities of health insurance purchasing and enrollment, designing sophisticated programs individually tailored to the unique needs of each group.
• Agents and brokers serve as consumer advocates for individuals and businesses of all sizes, helping clients and employees with claims issues, service questions and compliance matters throughout the life of each policy.
• Agents and brokers are also subject to strict licensing and continuing education laws which protect consumers and ensure that we provide the highest level of advice and services.

Please stay tuned for updates from our President on his very important trip to our nation's capital...

Healthy Mind, Healthy Body Resources Courtesy of UnitedHealthcare

Traveling this summer? Is the summertime heat getting to you? Read tips for traveling healthfully and beating the summer heat at UnitedHealthcare's Healthy Mind, Healthy Body Newsroom. Click on the images above to be directed to the corresponding articles.

Benefit Advisors Agent Nicole Phoenix Completes Special Training

Benefit Advisors Account Executive Nicole Phoenix returned last week after graduating from UnitedHealthcare’s Knowledge Institute, a week-long insurance course held at The Conference Center at North Pointe in Lewis Center, Ohio.

The United Advantage Knowledge Institute covers a wide array of subjects including network contracting, COBRA trends and claims management as they relate to small and large businesses throughout the country.

Phoenix said she gained intricate industry knowledge during her stay in Ohio. “I found the broad scope of industry information very interesting and educational,” she said. “Not only was it a learning experience, but also a crash course in professional development from one of the largest and most reliable names in health insurance. Being given the opportunity to attend the institute is something that will benefit my career, and my clients, for years to come.”

CEO Ray Strickland Goes To Washington

As health care reform becomes a hot topic around the country, many are left to ponder what the future holds for the insurance industry as a whole. While health care access is a top priority to us all, the possibility of the elimination of educated and experienced insurance agents could prove catastrophic.

As such, Benefit Advisors President/CEO Ray Strickland will take on Washington July 14-15 to lobby with his fellow agents and brokers for an FAIA/IIABA Health Insurance Groups Fly-in. They will meet with congressmen to discuss the present situation and attempt to develop a universal solution for all.

Stay tuned for pictures and updates on Ray's trip to D.C. You won't want to miss it...

-Michelle D.

Education versus Wellness: Our Verdict

For years we have been taught that reducing stress and participating in a regular exercise regiment will help to improve the overall health and emotional well-being of an individual. But just how big of an impact does education make in this particular equation? This topic was recently brought to the forefront when one of our Benefit Advisors Specialists, Mrs. Stase' M. Fink, CSA, proudly bragged that her 18-year-old son, Nolan Walker, was granted acceptance into the University of Florida, after successfully completing community college in a year's time. While our office celebrated in the success of Stase' and her son -- and the amazing opportunity that now lay before him -- we couldn't help but ponder this very question: Just how much does education impact an individual's wellness?

For almost 25 years, our specialists have been advising consumers on current health and wellness trends through insurance consultation and implementation. Our experience alone has implied that through education, comes an increased state of health and wellness. So after doing a little internet browsing and research on the correlation between wellness and education, I think it's safe to say our experience has proven true...

According to a March 2007 Policy Brief released by the National Poverty Center at the University of Michigan (http://www.npc.umich.edu/), a decrease in education contributes to a decrease in overall health, while an increase in education contributes to an increase in overall health and well-being. A summary of the findings prepared from a paper by David M. Cutler of Harvard University and Adriana Lleras-Muney of Princeton University are as follows:

• Better educated people have lower morbidity rates from the most common acute and chronic diseases, independent of basic demographic and labor market factors.

• Life expectancy is increasing for everyone in the United States, yet differences in life expectancy have grown over time between those with and without a college education.

• Health behaviors alone cannot account for health status differences between those who are less educated and those who have more years of education.

• The mechanisms by which education influences health are complex and are likely to include (but are not limited to) interrelationships between demographic and family background indicators, effects of poor health in childhood, greater resources associated with higher levels of education, a learned appreciation for the importance of good health behaviors, and one’s social networks.

To read the complete findings of the study, please visit the National Poverty Center's Web site.

Similarly, a 1995 Abstract published in the American Sociological Review, states, "The positive association between education and health is well established, but explanations for this association are not. Our explanations fall into three categories: (1) work and economic conditions, (2) social-psychological resources, and (3) health lifestyle. We replicate analyses with two samples, cross-sectionally and over time, using two health measures (self-reported health and physical functioning). The first data set comes from a national probability sample of U.S. households in which respondents were interviewed by telephone in 1990 (2,031 respondents, ages 18 to 90). The second data set comes from a national probability sample of U.S. households in which respondents ages 20 to 64 were interviewed by telephone first in 1979 (3,025 respondents), and then again in 1980 (2,436 respondents). Results demonstrate a positive association between education and health and help explain why the association exists. (1) Compared to the poorly educated, well educated respondents are less likely to be unemployed, are more likely to work full-time, to have fulfilling, subjectively rewarding jobs, high incomes, and low economic hardship. Full-time work, fulfilling work, high income, and low economic hardship in turn significantly improve health in all analyses. (2) The well educated report a greater sense of control over their lives and their health, and they have higher levels of social support. The sense of control, and to a lesser extent support, are associated with good health. (3) The well educated are less likely to smoke, are more likely to exercise, to get health check-ups, and to drink moderately, all of which, except check-ups, are associated with good health. We conclude that high educational attainment improves health directly, and it improves health indirectly through work and economic conditions, social-psychological resources, and health lifestyle. "

This blog is meant to serve as a marketplace of ideas and to create dialogue with consumers. We highly value your feedback and input.

And once again, we would like to extend congratulations to Stase' Fink and her son, Nolan. Best of Luck in your future endeavors!

Benefit Advisors Expands to Kissimmee

Benefit Advisors, an employee benefits agency headquartered in Ocala, with satellite offices in Jacksonville and more recently in Bradenton, has opened its second satellite office in less than a years’ time.

Kissimmee is now home to the fourth Benefit Advisors office in the state of Florida, run by Judy Taylor, a Kissimmee native and senior employee benefits specialist with nearly 10 years of industry experience. Taylor joined the Benefit Advisors team in March 2009.

“Now more than ever, there is an unprecedented need for industry professionals with the ability to offer innovative and cost-effective insurance solutions to Florida’s consumers and business
decision makers,” said Benefit Advisors President/CEO Raymond N. Strickland, Jr.

In response to his company's continued regional growth and employee expansion, Strickland added, "Here at Benefit Advisors we constantly strive to not only build upon our team of specialists, but to improve upon the services we provide to Florida's small businesses and individuals alike. Expanding geographically allows us to service and assist a growing population of frustrated consumers and offer them the options they deserve."

Benefit Advisors is a Blue Diamond Agency with BlueCross BlueShield of Florida and a Platinum Agency with United Healthcare, ranking them among the top 1 percent of insurance representatives in Florida.