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Safeguard Family Finances

Help Safeguard Your Family’s Finances

(Family Features) Every year, millions of American workers enroll in employee benefits through their workplaces during a period known as annual enrollment. It's usually a short window of time, but employees make crucial financial decisions for their families for the coming year.

In addition to medical insurance, many employers offer a range of voluntary benefits - those you select and pay for yourself, often by having the cost deducted directly from your paycheck. These voluntary benefits can help bridge the gap between what health insurance covers and what you're financially responsible for, especially as more employees opt for high-deductible health insurance plans.

In fact, according to a poll of 1,512 full-time U.S. workers conducted by employee benefits company Unum, 49% of working adults plan on enrolling in a high-deductible health plan for the coming benefit year, with Millennials (58%) and Gen Z'ers (54%) at even higher rates.

"While high-deductible health plans offer lower monthly payments, that can mean more financial responsibility for policyholders when they need to use the benefit," said personal finance expert Laura Adams. "Combining a high-deductible health plan with a health savings account can offset out-of-pocket costs, but it's also a good idea to consider voluntary benefits like disability, accident and hospital insurance to further financially protect your family."

If an accident, illness or injury prevents you from working, disability insurance replaces a portion of your income. While it may seem unlikely to many they would ever experience a disability, it's more common than some realize. Based on 2019 information from the Social Security Administration, more than 1 in 4 of today's 20-year-olds will become disabled before reaching age 67.

Accident and hospital insurance can pay a lump sum directly to you to offset out-of-pocket costs associated with medical care often not covered by health insurance.

  • Accident insurance can provide financial benefits for urgent care and emergency room visits, ambulance and other transportation to the hospital, initial care and surgery, hospital stays and lodging expenses related to an accident and even follow-up care such as doctor's visits and physical therapy.
     
  • Hospital insurance can pay a benefit directly to you when you are admitted to the hospital. This could include immediate medical costs and travel expenses or to help cover other bills.

Voluntary benefits, policies and details vary, so it's essential to review your options and discuss with your family before your benefits enrollment begins.

"Investing a little additional time on the front end can help reduce your family's financial risk down the road," Adams said.

For more information about employee benefits, visit Unum.com/benefits.

Photo courtesy of Getty Images

SOURCE:
Unum

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4 Facts Parents Should Know

4 Facts Parents Should Know About Antibiotic Resistance

(Family Features) When administered properly, antibiotics can provide essential, even lifesaving, relief to a sick child. However, antibiotics are not without risks.

While they are commonly used to kill bacterial infections or prevent infections from occurring after surgery, overuse and misuse of antibiotics over the past several generations has led to the development of antibiotic-resistant bacteria, according to the Centers for Disease Control and Prevention (CDC).

The World Health Organization calls antibiotic resistance one of the top threats to global health. Since babies are just as susceptible to antibiotic resistance as anyone else, it’s critical to educate yourself, so you can advocate for your child’s health.

Consider these facts about antibiotic resistance:

Antibiotic resistance stems from overuse and misuse of antibiotics. According to the CDC, more than 160 million prescriptions are written for antibiotics every year in the United States, and it’s estimated 50% of all prescriptions may be inappropriate. It only takes one round of antibiotics to contribute to resistance, and the average child will receive two rounds by age 2. In hospital settings, 40% of newborn infections are now resistant to standard treatment.

Antibiotic resistance can be acquired early in life. Research from Evivo baby probiotic confirms newborns just 7 days old are born with high levels of antibiotic-resistant bacteria and release millions of resistant bacteria in each dirty diaper, further accelerating the spread of antibiotic resistance. In the same study, Evivo significantly reduced antibiotic-resistant bacteria in the infant gut by reintroducing a beneficial gut bacteria called B. infantis, which out-competes resistant bacteria.

Antibiotic-resistant superbugs spread easily. Antibiotic resistance can spread from humans, farms and animals, and global travel also contributes to the spread of these resistant bacteria. Poor infection control in hospitals is a main factor in the spread of antibiotic resistance, according to the CDC, as bacteria can easily attach to lab coats and medical equipment. These bacterial superbugs have figured out how to survive and spread among humans, creating a vicious cycle that can be difficult and expensive to treat.

Antibiotic resistance is hard to treat. Superbugs have left doctors and scientists scrambling to find safe alternatives that don’t trigger additional resistance. For example, Evivo’s probiotic with B. infantis fights the spread of antibiotic resistance by reducing harmful bacteria during infancy.

“Since we know that even one round of antibiotics in children can contribute to antibiotic resistance, it’s important to take precautionary measures to ensure babies are best prepared in case antibiotics are ever needed,” said pediatrician and best-selling nutrition author Dr. Tanya Altmann. “Evivo is the only baby probiotic that is shown to protect baby’s gut from bad bacteria, and now it’s proven to reduce antibiotic-resistant bacteria before they can multiply or spread to others.”

Sidebar: Steps Parents Can Take
Parents can prevent the spread of antibiotic-resistant bacteria with these practical tips:

  • Don’t give antibiotics for viral infections such as the common cold or flu.
  • If you’re unsure whether your child needs an antibiotic, seek information from your health care practitioner about the advantages and disadvantages.
  • Ask your doctor if you can take a “wait and see” approach and, if so, work closely with him or her to monitor your child.
  • If you must give an antibiotic to an infant, also administer a probiotic like Evivo, which includes a form of B. infantis that works to reduce antibiotic-resistant bacteria and ensures good bacteria are restored in baby’s gut.
  • Follow and complete dosage instructions to ensure bad bacteria are eliminated.
  • Don’t save antibiotics for next time. If there is any medicine left once you’ve completed the dosage as prescribed, safely discard the leftovers.

Learn more at evivo.com.

SOURCE:
Evivo

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