Our Benefits Blog

Peyton Manning Welcome to Denver

Posted by Tom Stonebraker on Mar 19, 2012 12:08:00 PM

I know this post has nothing to do with insurance or benefits....

Welcome to Denver Peyton it's great to have you on the team!!!!

I grew up in Indianapolis and my family still lives there so the Colts are my second favorite team.  Now Peyton has finally move from a Colt to a Bronco.  Superbowl here we come!!!

Topics: Peyton Manning, Colts, Broncos, Tim Tebo, NFL, Free Agent, John Elway

Types of Coverages Subject to W-2 Reporting

Posted by Tom Stonebraker on Feb 29, 2012 12:00:00 PM

The Patient Protection and Affordable Care Act (PPACA) requires employers to report the aggregate cost of employer-sponsored group health coverage on employees’ Forms W-2. The purpose of the reporting requirement is to inform employees about the cost of their health coverage. The reporting does not cause employees’ health coverage to become taxable to them.

Most employers are more than willing to let their employees know how much their benefits cost but they aren't sure what needs to be reported.  So attached is a "Health Care Reform Legislative Brief" that we provide to our customers so they know the answer to that question.

Click Here for an easy to read and understand chart of what need to be reported.

Topics: Obamacare, PPACA, Healthcare Reform, W-2, W2

Health Care Reform: Making Sense of the New W-2 Reporting Rules

Posted by Tom Stonebraker on Feb 28, 2012 4:44:00 PM

IRS Issues Additional Guidence on W-2 Reporting.

The Patient Protection and Affordable Care Act (PPACA) requires employers to report the aggregate cost of employer-sponsored group health coverage on employees’ Forms W-2. The purpose of the reporting requirement is to inform employees about the cost of their health coverage. The reporting does not cause employees’ health coverage to become taxable to them.

This reporting requirement was initially set to take effect beginning with the 2011 tax year. However, in October 2010, the Internal Revenue Service (IRS) delayed the compliance date by making health coverage cost reporting optional for the 2011 tax year. In April 2011, the IRS issued Notice 2011-28, which further delayed compliance with this requirement for small employers (those filing fewer than 250 Forms W-2) and provided interim technical guidance on the reporting requirement.

On Jan. 3, 2012, the IRS issued Notice 2012-9, which replaced Notice 2011-28, and updated the interim technical guidance on the Form W-2 reporting requirement.

This Talon Benefits Legislative Brief summarizes the IRS’s interim guidance on the Form W-2 reporting requirement.

Click here to Download the rest of the Brief.

 

Topics: Obamacare, healthcare topics, Healthcare Reform, W-2, W2

Attention Skiers and Snowboarders

Posted by Terrie Stonebraker on Feb 22, 2012 11:27:00 PM

 

Did you know that doing yoga and pilates can help strengthen your core muscles that help you become stronger on the slopes?? Having a strong core is essential to good performance when skiing or snowboarding. It helps to keep you strong, centered and forward, helping you stay in control. And staying in control is where safety begins on the mountain.

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So, don't wait until ski season is over. Hit that yoga or pilates class now!

Stay strong and safe out there!

To Healthy Living!

Terrie Stonebraker, RPh

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Topics: Yoga, Strength, Healthy Living, Sports, Snow Skiing, Snow Boarding, Pilates, Core Strength, Power, Fun, active

Create Jobs, Buy Products Made in America

Posted by Tom Stonebraker on Jan 12, 2012 10:22:00 AM

Recently I recieved an email with a link to a news story on ABC World News with Diane Sawyer about a builder who built a home entirely with products made in America!  That's right everything was made here in the USA. 

In an age where we as a people are turning more and more to our Government to fix our problems I think this guy has it right.  Buy products made in the USA and put people to work.  The overall cost of the house was about 1% higher than it would have been if he had just bought products with the lowest price. 

Think about the ramifications on jobs...it's staggering!!!  If someone came to you and said they had had a way to put your mother, father, brother, sister or friend back to work and it would only mean spending an additional 1% over what you are currently spending would you do it?  My guess is you wouldn't hesitate.

So take a look at the video and then click on the link to the ABC News website. As you will see on ABC's website this is starting to take off...let's see if we can keep the momentum going.

Click on the link to see the vidoe about the builder who Buys American.

Here is the link to the Buy American page on Diane Sawyer's ABC World News.  It's really great to see people making purchases that create jobs right here in America.

 

 

Topics: Jobs, Made in America, employment, ABC World News, Diane Sawyer

Not Yet Recovered From the Holiday Stress? Give Yoga a Try!

Posted by Terrie Stonebraker on Jan 4, 2012 8:58:00 PM

 

Still stressed from the crazed holiday stesses of shopping, wrapping, celebrating, eating, traveling, working and not getting enough exercise nor sleep? Now that the New Year has begun, you know you need to get back on track to eating better and getting some exercise, but you feel sluggish and don't know how to get started? Let me suggest starting the new year off with Yoga!

I'm a pretty fit person. I run, bike, swim, hike, ski and lift weights. I had always considered yoga to be an easy stretching session for people who were into meditation. Several years ago, I decided to give it a try. Having sustained a sports injury, I was needing to loosen up and figured yoga might do just that. I concluded I could put up with the meditation mumbo jumbo if it helped heal my injury and improved my flexibility.

After just one session, I can honestly say, I've never been so sore in my upper body or core before...EVER! It will work muscles you never even knew you had. I was sweating profusely, even though I was moving slowly or, at times, hardly at all! It's challenging physically, mentally and emotionally, though it can accomodate any level of fitness and is sure to improve even the most fit.

After doing yoga now for several years on and off, I can say with certainty, that it is my chosen way to, not only loosen up and stretch those tight muscles in my body, but to relax my mind as well. I have yet to find anything that comes close to relaxing me the way yoga does. And I found I actually enjoyed the meditative atmosphere of a yoga class. It's one of the few places I can stop all the constant chatter of my busy mind for an hour or so. When I leave a yoga class, I am completely mellowed out. There isn't much that can rattle me after yoga. I am calm, happy, relaxed and exhausted, so I sleep better too.

If you've never done yoga, I challenge you to give it a try. Take a class once to twice a week for a month and decide for yourself. You can start off the new year by decreasing your stress from the holidays and start strengthening your core muscles. That way, when you do start exercising, you will have strengthened those tiny stablizing core and joint muscles you need to prevent injuries.

What if you don't like the meditation aspect? I've learned that instructors vary widely in their instruction from movement poses to meditation styles. Some are a bit over the top for me, and that's fine for some. However, there are numerous instructors and styles to choose from these days and not all of them focus as strongly on the meditation aspect of yoga. According to the attached, downloadable file below, there are 15 million yogis and yoginis in the United States. Now that's a lot to choose from. So find one you like and start enjoying the many health benefits of yoga today:

*Increased Flexibility & Strength

*Detoxification

*Improved Posture

*Stress Reduction

*Improved Sleep

*Improved Concentration, Memory and Attention

*Decreased Depression and Anxiety

*Enhanced Mood and Sense of Well-Being

 

Learn more about yoga with this free downloadable file:The Health Benefits of Yoga

Download Free Payroll Stuffer here for your employees: Yoga Payroll Stuffers

Need these in Spanish? Los beneficios del yoga para la salud Y La información que se incluye con el cheque de nómina

 

To A Healthy New Year!

Terrie Stonebraker, RPh

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Topics: Yoga, Strength, The Health Benefits of Yoga, Exercise, Fitness, Stress Reduction, Improved Well-Being, Flexibility

Choosing Your Cough and Cold Products

Posted by Terrie Stonebraker on Dec 6, 2011 7:47:00 PM

With constantly changing Over-the-Counter Cough and Cold Products, choosing the right product is very difficult and downright confusing for the average consumer. And the last thing you feel like doing when you are sick, is standing in the cough and cold aisle, aching, sniffling, coughing and trying not to get snot on everything while trying to figure it all out.

Even as a pharmacist, it can be confusing. Twenty years ago, if we told you to get Benadryl, there was only 1 product named Benadryl. Today, there are 38 (no joke) products with Benadryl in the name. Drug companies also frequently change ingredients of a product and DO NOT change the name of the product or labeling other than listing the new ingredients. Therefore, pharmacists frequently need to come out and actually look at the ingredients (just like I'll show you below) in order to figure out which product you need.

So, here's the scoop. Below is a Chart with brief descriptions of how to spot the right ingredients to treat your symptoms. Just print and cut out the following chart, either circle or place a check mark by your symptoms and take it with you to the store. Match your symptoms with ingredients and Score! you've got the right product.

* There are also options not mentioned, for instance, saline sinus rinses and sprays for a stuffy nose, and cough drops for sore throats and cough. However, the focus of this blog is specifically on oral tablets/capsules and liquids:


Symptom

What You Need

Name of Ingredient

(choose one)

What it Does

Cough

Cough Suppressant

Dextromethorphan

Suppresses the urge to cough

Sore Throat, Muscle Aches, Swollen & Painful Sinuses

Pain Reliever

Anti-Inflammatory

Acetaminophen

Ibuprofen

Decreases Pain

Decreases Pain and Swelling

Stuffy Nose

Decongestant

Phenylephrine (OTC)

Psuedoephedrine (You must get this from pharmacy & you'll need your driver's license)

Constricts swollen blood vessels therefore leaving more room in the sinuses to breath and for pflegm to drain.

Runny Nose

Antihistamine

Diphenhydramine, Doxylamine, Chlorpheniramine, Brompheniramine, Clemastine (expect drowsiness)

Cetirizine, Loratadine, Fexofenadine (minimal to no drowsiness)

Dries up secretions, including runny noses.

Pflegm

In other words...

Lots of Snot!

Expectorant

Guaifenesin

Breaks down pflegm to make it more runny so it can come out easier.

 

* You will not find, or should not find, products with both antihistamines & expectorants in them. One dries the secretions & the other makes them runny. You can't do both at the same time. You'll need to choose which is more important! If your chest is so tight you can't breath or are worried about infection setting in in the lungs, you will want to opt for the expectorant. If your nose is so runny, you have to stuff wads of kleenex up both nostrils to keep it from running all over your pillow, you will probably want to opt for the antihistamine.

* Decongestants are stimulants. They can keep you up at night. But if you're not sleeping because you can't breathe, you may want to use a decongestant to help you breath. You may not sleep as well as usual, but will probably sleep better than without it.

These are the kind of questions you have to ask yourself in order to make a choice.

Of course, if you still have no idea, just ask your pharmacist!

CAUTION!  You must still read the warnings and precautions on all medications. If you are pregnant, check with your doctor. If you have certain medical conditions or are taking certain medications, you must make sure you can take the product. Read the package carefully. If you are not sure, ask the pharmacist. That's what we're there for! To help YOU!

I hope you learned something. Hopefully, you won't need to use any of this information and you'll stay healthy all winter.

To a Healthy Winter!

Terrie Stonebraker, RPh

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Topics: healthcare topics, Illness, Health, wellness, OTC's, Over-the-Counter Drugs, Drugs, pharmaceuticals, medication, understanding medication, medication ingredients, consumers, sickness, Choosing Your Cough and Cold Products, Cough and Cold

RED MARBLES, THE TRUE MEANING OF WEALTH

Posted by Tom Stonebraker on Nov 22, 2011 3:06:00 PM

I originally recieved this from a very good friend.  So I'm passing it along during a time when it's easy to forget the true meaning of our holidays.

RED MARBLES

I was at the corner grocery store buying some early potatoes.

I noticed a small boy, delicate of bone and feature, ragged but clean, hungrily apprizing a basket of freshly picked green peas.

I paid for my potatoes, but was also drawn to the display of fresh green peas.  I am a pushover for creamed peas and new potatoes.  Pondering the peas, I couldn't help overhearing the conversation between Mr. Miller (the store owner) and the ragged boy next to me.

'Hello Barry, how are you today?'

'H'lo, Mr. Miller. Fine, thank ya. Jus' admirin' them peas.  They sure look good.'

'They are good, Barry. How's your Ma?'

'Fine. Gittin' stronger alla' time.'

'Good. Anything I can help you with?'

'No, Sir. Jus' admirin' them peas.'

'Would you like take some home?' asked Mr. Miller.

'No, Sir. Got nuthin' to pay for 'em with.'

'Well, what have you to trade me for some of those peas?'

'All I got's my prize marble here.'

'Is that right? Let me see it' said Miller.

'Here 'tis. She's a dandy.'

'I can see that. Hmmmmm, only thing is this one is blue and I sort of go for red. Do you have a red one like this at home?' the store owner asked.

'Not zackley but almost.'

'Tell you what Take this sack of peas home with you and next trip this way let me look at that red marble', Mr. Miller told the boy.

'Sure will. Thanks Mr. Miller.'

Mrs. Miller, who had been standing nearby, came over to help me.

With a smile said, 'There are two other boys like him in our community, all three are in very poor circumstances.  Jim just loves to bargain with them for peas, apples, tomatoes, or whatever.

When they come back with their red marbles, and they always do, he decides he doesn't like red after all and he sends them home with a bag of produce for a green marble or an orange one, when they come on their next trip to the store.'

I left the store smiling to myself, impressed with this man.

A short time later I moved to Colorado , but I never forgot the story of this man, the boys, and their bartering for marbles.

Several years went by, each more rapid than the previous one.

Just recently I had occasion to visit some old friends in that Idaho community and while I was there learned that Mr. Miller had died.

They were having his visitation that evening and knowing my friends wanted to go, I agreed to accompany them.

Upon arrival at the mortuary we fell into line to meet the relatives of the deceased and to offer whatever words of comfort we could.

Ahead of us in line were three young men.

One was in an army uniform and the other two wore nice haircuts, dark suits and white shirts...all very professional looking.

They approached Mrs. Miller, standing composed and smiling by her husband's casket.

Each of the young men hugged her, kissed her on the cheek, spoke briefly with her and moved on to the casket.

Her misty light blue eyes followed them as, one by one, each young man stopped briefly and placed his own warm hand over the cold pale hand in the casket.

Each left the mortuary awkwardly, wiping his eyes.

Our turn came to meet Mrs. Miller.  I told her who I was and reminded her of the story from those many years ago and what she had told me about her husband's bartering for marbles.

With her eyes glistening, she took my hand and led me to the casket.

'Those three young men who just left were the boys I told you about.  They just told me how they appreciated the things Jim 'traded' them.

Now, at last, when Jim could not change his mind about color or size....they came to pay their debt.'

'We've never had a great deal of the wealth of this world,' she confided, 'but right now, Jim would consider himself the richest man in Idaho '.

With loving gentleness she lifted the lifeless fingers of her deceased husband. Resting underneath were three exquisitely shined red marbles.

The Moral : We will not be remembered by our words, but by our kind deeds.  Life is not measured by the breaths we take, but by the moments that take our breath.

Today I wish you a day of ordinary miracles ~ A fresh pot of coffee you didn't make yourself.

An unexpected phone call from an old friend.

Green stoplights on your way to work.

The fastest line at the grocery store.

A good sing-along song on the radio.

Your keys found right where you left them.

It's not what you gather, but what you scatter that tells what kind of life you have lived!

I hope the Holiday season brings you joy and happiness!

Topics: Health, wealth, happiness

Have You Had Your Flu Shot Yet?

Posted by Terrie Stonebraker on Nov 1, 2011 5:00:00 AM

It's That Time of Year Again... Have You Had Your Flu Shot Yet?

Did you know that getting a flu shot is the most important step you can take in preventing the flu?

The CDC now recommends everyone over 6 months of age get a flu shot. If you're a healthy adult, under the age of 65, you can get away with not getting the flu shot. If you contract the flu, you may feel like you're going to die, but chances are good that you'll recover with time. However, even if you are a healthy adult, under the age of 65, you may consider getting a flu shot for a couple of reasons:

First of all, it will decrease your chances of contracting the flu yourself. And let's be honest. If you could prevent the possibility that you will be throwing up your toes, while at the same time having diarrhea (do you sit or do you kneel?), experiencing extreme fatigue and a pounding headache, while every muscle in your body is aching. Your throat is sore and your nose is running and stuffy, while alternating between hot and cold and generally feeling like you're going to die....Wouldn't you want to decrease your risk of that lovely experience? But, like I said, chances are good that you'll live through it.

Secondly, if you are in contact with anyone at increased risk of having complications from the flu, you may potentially expose them to the flu. Complications can be serious and sometimes life-threatening. Some people at increased risk of complications would include:

- Children under the age of 5 years old, but more importantly, under the age of 2

- People over the age of 65 years old

- Anyone with medical conditions, including but not limited to: Asthma, Lung Disease, Heart Disease, Diabetes, Obesity, (complete list can be found here on the CDC website)

If you are worried about preservatives, ask for a preservative-free flu shot.

If you are worried about the pain of getting a shot, here are a few tips I've learned through my experience as a pharmacist and immunizer on:

How to increase your chances of a painless flu shot:

- RELAX! Tightening the muscles, in my opinion, will pretty much guarantee it will be more painful and will cause lingering soreness around the site of the injection. Think about this. When you contract a muscle, muscle fibers bunch up, therefore causing the needle to have to pass thru many more muscle fibers than is necessary. If you can relax to the point where the muscle is flabby, you will experience less pain and soreness. (This is easier to do if you sit straight on the chair, look straight forward and dangle the arm straight down to your side. Make sure your shoulders are relaxed too.) I realize it may be difficult to relax when someone is about to jab a needle in your arm, but if you can do it, you'll see it does make a big difference.

- Wear a short-sleeved shirt. When you wear long sleeves, you have to bunch it up right above the injection site. This can cause the muscle to bunch up tight too, therefore increasing the chance of more pain and soreness.

- Ask for a preservative-free shot, if it's available. Many flu shots are drawn up thru a multi-dose vial, which contains preservatives. It contains preservatives because multiple shots are withdrawn from the same vial and it's important that whatever minute amounts of bacteria entering the vial multiple times do not contaminate the vial. What does this means for you? It means that the needle that goes into your arm also has to puncture the stopper on the multi-dose vial. This one puncture will dull the needle just enough to cause just a little bit more pain when injecting. Not a lot, but a little. The preservative-free shots have a fresh, sterile needle added on and the first thing it will puncture is your arm. And believe it or not, the sharper that needle is, the more painless the shot will be!

- Don't let the immunizer pinch up your arm to give the shot. Some people do that to distract you, but you will most likely experience more pain and lingering soreness.

- The faster the better. You won't have control over this one, but the faster the immunizer gets that needle into your arm, the less pain you will feel. You can, however, often watch the immunizer give a shot to someone else to see if they stick it in quickly or slowly.

- Use the arm after getting the shot. This will get blood circulation moving through that muscle and will help disperse any inflammation at the site, as well as help to improve the body's exposure to the shot and therefore it's response to it.

So, what are you waiting for? Get your flu shot today!

Please be sure to read the following Flu Prevention Brochure on tips to prevent the flu, as well as, who should and should not get the flu shot. Feel free to download it too!

Flu Prevention Brochure

If you are an employer, it is in your best interest to educate your employees on Flu Prevention. Practicing Flu Prevention steps, including getting a flu shot, will result in less sick days and healthier employees. Feel free to download and pass out the following Flu Prevention Payroll Stuffers:

Employer Flu Prevention Payroll Stuffer

For Additional Information on the Flu or the Flu Vaccine, Visit the CDC Website.

All information listed is obtained from the CDC, other than my personal opinions on how to decrease the pain of receiving a flu shot, which is based on my professional experience as an active immunizer for several years now, having given hundreds of shots a year.

Have a Healthy Winter!

Terrie Stonebraker, RPh

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Topics: Flu shot, Influenza, Illness, Health, prevention, wellness, Flu Prevention Payroll Stuffer, Flu Prevention Brochure

Turn in your Expired or Unused Drugs

Posted by Terrie Stonebraker on Oct 27, 2011 11:00:00 AM

This medication disposal program has been so successful the last 2 times, the DEA is hosting yet another collection, and will continue to do so every 6 months until a process is in place to allow people to dispose of their medications safely.

If you live in the United States and have expired or unused medications and drugs to dispose of, go to http://www.deadiversion.usdoj.gov/drug_disposal/takeback/ to find a disposal location near you by clicking on “Find a collection site near you

~~~

REMEMBER, it’s this SATURDAY, OCTOBER 29TH, 2011 from 10am to 2pm!!

Topics: Drug Interactions, Pharmacy, drug disposal, DEA, Got Drugs?, unused medication, medication disposal program, drug take back initiative, expired medication

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