Tax Implications of the Affordable Health Care for America Act

The U.S. House of Representatives recently passed HR3962: the Affordable Health Care for America Act of 2009. The legislation is thousands of pages long, making it difficult for regular taxpayers to understand how the bill will affect them.

Tax Penalties

The new legislation is very expensive, and Congress has come up with a number of ways to pay for it. First of all, there will be a shared responsibility provision that basically forces taxpayers who cannot establish acceptable health care coverage to pay an additional 2.5% tax. There will be a hardship exception though, for taxpayers who cannot afford to pay the tax.

Payroll Penalty

In addition to a penalty on taxpayers who cannot afford coverage, the government will also assess an 8% payroll tax on businesses that do not offer health insurance to their employees. However, it is widely expected that the penalty will be reduced to 5% when the Senate revises the bill.

Millionaire Surtax

One of the largest sources of funding for the reform bill is a new surtax on individuals making more than $500,000 per year, of couples making over $1 million. In the House’s bill, beginning in 2010 all taxpayers making a qualifying amount will be subject to a massive 5.4% tax increase.

Inflation Increases

In addition to adding heft tax increases, the bill also partially repeals tax indexing for inflation. This will result in more money for the Federal government as the years go by. According to the Joint Tax Committee the surcharge is only expected to generate $30.9 billion in 2011, but nearly $70 billion in 2019.

Passage into Law?

The present version of this bill is not likely to get passed into law. Despite President Obama’s optimistic stance, some Senators are already pronouncing the bill dead on arrival. Although there has been a lot of discussion about this health care reform bill, it could be months before even a highly amended version of it becomes law. The Senate is not going to vote on the bill until at least 2010, and since they are expected to make numerous modifications it will likely need to return to the House for another vote. It could be six months from now before a health care bill goes to President Obama’s desk for a signature.

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Dabur NUTRiGO A step towards healthy heart

Heart diseases in India are on the rise in the present time. Earlier, people suffering from heart problems used to be from the age group of 40 &above. But recently it has been observed that heart problems have crept into the lives of younger age group. The rate of people suffering from heart diseases is almost double in India as compared with those of the western nations. Changing lifestyles which result in consumption of improper diets & lack of exercises are considered to be the major reasons behind people getting affected by heart diseases. A good diet results in good health. But the diet for people with heart diseases needs constant attention. Depending on the diet, health of the heart may improve or get worsened. For example diet with high cholesterol content will obviously make the situations worse for heart patients while a diet with Vitamin C and Vitamin E will surely improve health of the heart. To fight with heart problems, one needs to be disciplined in his/her diet plan. But urban lifestyle attracts people to unhealthy eating habits. Considering these constraints and requirements of consumers Dabur has recently introduced a health supplement, Dabur NUTRiGO. Dabur NUTRiGO provides required nutrients as per RDA(Recommended Dietary Allowance) guidelines for Indian consumers. Dabur NUTRiGO is the health supplement which contains appropriate quantity of essential nutrients. Ingredients of Dabur NUTRiGO consist of Vitamin C and Vitamin E that are essential for healthy heart. Vitamin C is well known for its antioxidant activity. It acts as a reducing agent for reverse oxidation in liquids. When human body has more free radicals than antioxidants then these free radicals may result in cardiovascular disease,hypertension, chronic inflammatory diseases and diabetes. The other vital nutrient that takes care of the heart is Vitamin E. This Vitamin is again as essential as the aforementioned one. Vitamin Eis used to refer to a group of fat-soluble compounds that include bothtocopherols andtocotrienols. It is an antioxidant nutrient that has antithrombotic, atherogenic, anticoagulant, anti-proliferative & immune-modulatory actions. Both the Vitamins described above are present along with many more vital nutrients in Dabur NUTRiGO.

Assurant Names Healthcare Solutions Team Americas #1 Health Insurance Agency

Lombard, Ill.Healthcare Solutions Team has been named Americas #1 Health Insurance Agency for a second straight year by Assurant Health.

The award was given to the Lombard, Illinois-based insurance agency based on the companys annual sales with Assurant Health. Overall in 2012, Healthcare Solutions Team had an annual sales volume of more than $83 million, which was a nearly 20% jump over the prior year.

Working with valued partners such as Assurant Health makes growth a realistic opportunity for our company, said Grant Born, principal at Healthcare Solutions Team. Our goal has always been to find the best health insurance coverage for families, individuals and groups while staying within their budgets. With the changes in healthcare reform, having a variety of plans to choose from has taken on even greater importance.

Its easy to succeed when given the right tools, said Joe Eichman, principal at Healthcare Solutions Team. Our agents really can find a plan for everyone.

He added that Healthcare Solutions Team is continually listening to top producers, looking for ways to help them improve their performance. The companys LeadMaster system is one such innovation that drives results.

Healthcare Solutions Teams LeadMaster is the most advanced lead and client management system the industry has ever seen, said Born. With fully integrated auto dialing, bulk texting and email functions, it has never been easier to manage and organize our clients and prospects while keeping them informed.

Eichman agreed: We have added to an already dynamic technology, which allows Healthcare Solutions Team agents to out produce any other agents in the industry.

When they excel, the whole company thrives, he continued. We nurture all of our agents so that they become true partners and our advocates in bringing consumers the best, most affordable health plans available.

Grant Born and Joe Eichman created Healthcare Solutions Team in 2007 and since then the company has grown into one of the countrys premier health and dental insurance agencies. Based in Lombard, Ill., Healthcare Solutions Team has agents across the country who provide personalized solutions and optimized plans to fit each individuals budget and needs. The companys goal is to make affordable healthcare accessible to everyone.

Assurant Health, part of Assurant (AIZ), a Fortune 500 company and a member of the S&P 500, is the brand name for a family of health insurance products focused on providing a variety of affordable plan choices to consumers. The companys portfolio of health care products includes major medical, supplemental and fixed-benefit plans for individuals, families and small employers.

In addition to being named Americas #1 Health Insurance Agency by Assurant Health for two years in a row, Healthcare Solutions Team was listed in 2012s Inc. 500|5000 and has been named Americas #1 Career Health Insurance Agency and Top Key Broker by UnitedHealthOne, as well.

For more information on Healthcare Solutions Teamincluding career opportunitiescontact Jackie at (630) 261-3000 or . Or, visit the companys website at www.HealthcareSolutionsTeam.com.

Role Of Corporate Fitness In Employee Retention

The benefits of exercise have become so important to such an extent that companies have now started their own fitness programmes. Worksites play a crucial role in influencing the health of their employees. Most of the adults walk more at their workplace than anywhere else, making it a prime venue for promoting healthier habits. Absenteeism due to bad health will reduce companys productivity. Regular workouts and health awareness would reduce work related stress and other diseases to a greater extent. Spending on a corporate wellness program can produce a healthy return on investment, according to multiple surveys and case studies cited by organizations such as, the Wellness Council of America.

Corporate Fitness has assumed a lot of significance in Melbourne. Companies are advocating many fitness regimens in their daily activities including yoga, Pilates and breathing exercises. The in-work fitness culture is becoming popular in Melbourne city and in other parts of the world. The Benefits of corporate fitness programmes are discussed below:

Decreased Tardiness and Lower Absenteeism: A regular corporate fitness programme ensures that the employees are healthy and less prone to ailments. Fit employees miss fewer workdays and fewer hours during the workday usually due to dealing with pains, taking medicines and visits to the doctor. A decrease in weight and stronger core muscles reduces back pain, which is the commonly cited as a reason for low employee turnout in offices.

Lower Healthcare Costs: Companies with healthy employees spend less on their medical bills – thus saving money and increasing productivity enormously.

Improved Productivity: The more an employee stays on the job; higher will be the productivity. Du Pont Corporation decreased its employee disability days by more than 11,700 after implementing a corporate fitness program. The attendance also improved by 19% raising employee productivity and making the workplace, a better working atmosphere.

Improved Corporate Image: Businesses that provide corporate fitness programs demonstrate their employees that they care about employee health. A strong corporate image can increase staff retention and enhance the appeal of the organization as a good place to work.

Low Employee Turnover: Corporate fitness in Melbourne and in other parts of the world will contribute to the enhanced retention of employees.

Return on Investment: A recent review on corporate health and fitness programmes in Melbourne reported a significant return on investment (ROI) with a benefit to cost ratio ranging from $1.49 to $4.91 in benefits for every dollar spent on the program.

A report by U.S. Department of Health and Human Services in the year 2002 revealed that companies having corporate fitness programmes have:

Reduced health care costs by 20 to 55 percent
Reduced short term sick leave by 6 to 32 percent
Increased productivity by 2 to 52 percent.

Definition Of Healthy Skin

Let me explain what healthy skin in simple words. Healthy skin is smooth, soft, evenly tonedin short, beautiful! How is this logical? Let us use an analogy. Youll know when youre sick when you dont feel well, you look pale and your skin feels clammy, right? Well, just like any other form of illness, it manifests itself in irregularities in your feeling and physical appearancejust like someone with Hepatatis has a yellowish complexion. And so, unhealthy skin can be defined by its rough texture, abnormal coloration (I say abnormal because each persons tone of complexion varies), dryness and oiliness, and skin that is inappropriate for your age. For instance, youre just in your twenties and yet you have wrinkles like youre in your fourties.

So, in contrast to what an unhealthy skin is, a healthy skin is smooth, soft, evenly toned and appropriate for natural aging. It makes sense, right? And whats most important is that these external factors symbolize that your skin is functioning properly in that it protects your body from the sometimes unkind effects of the environment, prevents harmful germs and bacteria from penetrating your body, and preserves the skins natural waterproof property.

So, knowing that a beautiful skin equals a healthy skin, let me give you just one very important word of advice that is essential in keeping your skin healthy and beautiful. Regulate your skins exposure to the sun. as you all know, sunlight contains harmful, and sometimes even fatal, UV rays that causes premature skin aging and skin cancer. It is your skins number one enemy. It not only makes you sweat, which bleeds your skin of the water it needs to function normally, but too much exposure also causes the appearance of wrinkles, age spots, and skin cancer.

So, if you want to maintain your healthy skin, use precautions when you know youre going to be exposed to the suns hot rays for a long period of time. Make it a habit to apply sunscreen before going out. And since the US is home to Caucasians who love to tan, I recommend that you use sunless tanning lotions and indoor tanningthe spray-on ones and not the ones that use tanning beds and lamps as the World Health Organization (WHO) has already labeled these tanning equipment as carcinogenic.

How To Be a Healthy Person

If you want to be healthy, and I assume you do, then I have four words for you. Diet, exercise, hydration, and sleep. Without all of them in good working order, you will not be any healthier than a car that has plenty of fluids, except is oil. That car will not last, just like your body will not last.

They say you are what you eat, and there is some truth to that. If you eat poorly, you will have poor health. But more than that, even if you get plenty of exercise, drink lots of water, and get adequate rest, if your diet is poor, so will be your health. A healthy diet includes all food groups in the correct proportions. Your diet should consist of roughly protein, fruits, vegetables, and carbs. This is a simpler way than the food pyramid, food plate, or whatever they use these days.

To be healthy you also need to get enough exercise. The best combination is 3 cardio days per week, and 3 weightlifting days. And not just any exercise will do. I see guys at the gym all the time lifting weights, but never getting bigger muscles, women on the treadmills, never getting thinner, and one toothpick woman who never gets stronger. The reason is that the guys never push themselves by doing heavy weight or hard lifts, the fat women never go faster than a brisk walk, and the toothpick lady never lifts more than about 5lbs. You have to make it burn and keep getting better, stronger, and faster.

Your body is made mostly of water. 70% of you is H20, so you can imagine that drinking lots of it is kind of important. It turns out that it is, and that you will be much healthier with plenty of it. Almost every chemical reaction your body goes through to keep you alive and moving takes place in or with water and it wouldn’t happen without it. Getting enough can be tough though. The best rule to follow is to take 3-4 swallows of water every time you use the bathroom and drink plenty during and after workouts.

Lastly is sleep. This is the time your body repairs itself and gets ready for another day. If you don’t get enough, you don’t repair properly and consequences will follow. Don’t drink caffeine much either, because it will cause you to feel energetic when you are not. So it you are tired all the time and feel like you need a boost, try sleeping more instead of coffee. If you do, you will be a more healthy person.