11, of North Knoxville
Frances Bullard, to wish
her a happy belated
birthday Thursday night.
Bullard lives in an
facility in South
Carolina and had recently
turned 96-years-old. "So
I called ...
-- It’s official.
The Virginia Military
Institute basketball team
will have a Red Out on
Cameron Hall for its Feb.
3 game against Southern
Conference foe University
of North Carolina at
Greensboro. The game tips
off at 8 p.m. in Cameron
losing by 16 to Miami at
Cameron? The same
Hurricanes team that lost
by 20 ... Virginia has
had five days off to
prepare. Virginia by 5.
No. 13 North Carolina
(17-4, 7-1) at No. 10
Louisville (17-3, 5-3),
4:10, ESPN: After
struggling to put
many adjectives used to
while honing his
musicianship at the
American Boychoir School
in Princeton, N.J., and
the North Carolina School
of the Arts in
There's no secret where
wants to be at the end of
the season — on the
podium at the NCAA
Division II wrestling
Western) is a junior with
wrestling team. He's
currently 9-1 and
Payne MCB Camp Lejeune
and MCAS New River Camp
Lejeune Globe The work
day begins at 5:30 a.m.
for Cpl. Joshua Smothers,
an Aircraft Rescue Fire
Fighting rescueman with
Headquarters Squadron and
North Carolina had seven
ACC titles and three NCAA
titles over ... 1980-81
season until Valvano was
fired after the 1989-90
5-5 mark at Cameron
Indoor Stadium is
because N.C. State has
lost every game against
33. Feb. 24,
1979 – No. 6 Duke
47, No. 4 North Carolina
40 Duke trailed UNC by
one game heading into the
regular season finale in
Cameron – which was
also senior day for Jim
Spanarkel. UNC Coach Dean
Smith went to the delay
game from the opening tap
FSU has won
only twice at Cameron
Considering Carolina is
on ... They’re
always a good
Carolina is winning games
the Tar Heel way this
season. UNC is third in
the ACC in scoring, first
in rebounding and first
in assists ...
deliberation, we at The
Chronicle have settled on
Duke-North Carolina game
played in Coach K's
tenure. It was Feb. 28,
1998 and Senior Day, and
Steve Wojciechowski and
the Blue Devil seniors
went out at Cameron
SPECIAL INFORMATION FOR CAMERON
Make Your Health Benefits Work for You in CAMERON
The Department of Labor´s Employee Benefits Security Administration (EBSA) administers several important health benefit laws covering employer-based health plans. They govern your basic rights to information about how your health plan works, how to qualify for benefits, and how to make claims for benefits.
In addition, there are specific laws protecting your right to health benefits when you lose coverage or change jobs. EBSA also oversees health care laws covering special medical conditions. For more information on the laws that protect your benefits, see EBSA´s Website. Or call the agency toll free at 1-866-444-3272 to reach a regional office near you. These 10 tips can help make your health benefits work better for you.
1. Explore Your Options for Health Coverage
You have options for health coverage. There are many different types of health benefit plans. Find out what your employer offers, then check out the plan (or plans). Your employer´s human resource office, the health plan administrator, or your union can provide information to help you match your needs and preferences with the available plans. Or consider a health plan through the Health Insurance Marketplace. Visit HealthCare.gov to see the health plan options available in your area. Get information about all of your options and review it. The more information you have, the better your health care decisions will be.
2. Review the Benefits Available
Do the plans offered cover the benefits that are important to you, such as mental health services, well-baby care, vision or dental care? Are there deductibles? What are the out-of-pocket expenses you may face? Determine your needs and priorities. Compare all of your options before you decide which coverage to elect. Matching your needs and those of your family members will result in the best possible benefits. Cheapest may not always be best. Your goal is high quality health benefits.
3. Read Your Plan´s Summary Plan Description (SPD) for the Wealth of Information It Provides
Your health plan administrator should provide a copy. It outlines your benefits and your legal rights under the Employee Retirement Income Security Act (ERISA), the Federal law that protects your health benefits. It also should contain information about the coverage of dependents, what services will require a co-payment or coinsurance, and the circumstances under which your employer can change or terminate a health benefits plan. You also can find many of the answers to your questions in the Summary of Benefits and Coverage (SBC), a short, easy-to-understand summary of what a plan covers and what it costs. You should receive a copy with your enrollment materials. Save the SPD, the SBC, and all other health plan brochures and documents, along with memos or correspondence from your employer relating to health benefits.
4. Use Your Health Coverage
Once your health coverage has started, use it to help cover medical costs for services like going to the doctor, filling prescriptions or getting emergency care. Using your benefits will help you and your family stay healthy and reduce your health care costs. The Patient Protection and Affordable Care Act (ACA) provides many valuable protections for people enrolled in employment-based health plans including prohibiting preexisting condition exclusions and annual and lifetime limits on essential health benefits. What’s more, many plans cover certain preventive services for free, including routine vaccinations, regular well-baby and well-child visits, blood pressure, diabetes and cholesterol tests, and many cancer screenings. You also can keep your children on your health plan until age 26. Take advantage of your benefits, especially free preventive care if your plan covers it. If you were required to pay cost-sharing for a preventive service, check your Explanation of Benefits and ensure that the provider billed the service properly.
5. Understand Your Plan’s Mental Health and Substance Use Coverage
Many health plans provide coverage for mental health and substance use disorder benefits. If a plan does offer these benefits, the financial requirements (such as co-payments and deductibles) and the quantitative treatment limits (such as visit limits) for the mental health and substance use disorder benefits cannot be more restrictive than the financial requirements or treatment limits applied to medical/surgical benefits. Plans also cannot impose lifetime and annual limits on the dollar amount of mental health and substance use disorder services, including behavioral health treatment. Some plans cover preventive services like screenings for depression and child behavioral assessments for free. Check your SPD and SBC to find out what your plan covers.
6. Look For Wellness Programs
More employers are establishing wellness programs that encourage employees to work out, stop smoking, and generally adopt healthier lifestyles. The Health Insurance Portability and Accountability Act (HIPAA) and the ACA encourage group health plans to adopt wellness programs but also includes protections for employees and dependents from impermissible discrimination based on a health factor. These programs often provide rewards such as cost savings as well as promoting good health. Check your SPD and SBC to see whether your plan offers a wellness program(s). If your plan does, find out what reward is offered and what you need to do to receive it.
7. Know How to File an Appeal if Your Health Benefits Claim is Denied
Understand your plan’s procedures for filing a claim for benefits and where to make appeals of the plan´s decisions. Pay attention to time limits – make sure you timely file claims and appeals and that the plan makes decisions on time. Keep records and copies of correspondence. Check your health benefits package and your SPD to determine who is responsible for handling problems with benefit claims. Contact EBSA for assistance if you are unable to obtain a response to your complaint.
8. Assess Your Benefits Coverage as Your Family Status Changes
Marriage, Porce, childbirth or adoption, the death of a spouse, and aging out of a parent’s health plan are life events that may signal a need to change your health benefits. You, your spouse, and your dependent children may be eligible for special enrollment into other employer health coverage or through the Health Insurance Marketplace. Even without life-changing events, the information provided by your employer should tell you how you can change benefits or switch plans. If you’re considering special enrollment, act quickly. You have 30 days after the life event to request special enrollment in other employer coverage or 60 days to select a plan in the Marketplace.
9. Be Aware that Changing Jobs and Other Work Events Can Affect Your Health Benefits
If you change employers or lose your job, you may need to find other health coverage. If you have a new job, consider enrolling in your new employer’s plan. Whether starting or losing a job, you may be eligible to special enroll in a spouse’s employer-sponsored plan or through the Health Insurance Marketplace. Under the Consolidated Omnibus Budget Reconciliation Act – better known as COBRA – you, your covered spouse, and your dependent children may be eligible to continue coverage under your former employer-sponsored plan. This coverage is temporary (generally 18 to 36 months) and you may have to pay the entire premium plus a 2 percent administrative charge. Get information on your coverage options and compare. Be aware of the deadlines for deciding on coverage and find out when your new coverage will be effective.
10. Plan For Retirement
Before you retire, find out what health benefits, if any, extend to you and your spouse during your retirement years. Consult with your employer´s human resources office, your union, or the plan administrator. Check your SPD and other plan documents. Make sure there is no conflicting information among these sources about the benefits you will receive or the circumstances under which they can change or be eliminated. With this information in hand, you can make other important choices, like finding out if you are eligible for Medicare and Medigap insurance coverage. If you want to retire before you are eligible for Medicare and your employer does not provide health benefits in retirement, consider what you will do for health coverage. Your options may include enrolling in a spouse’s employer plan or in a Marketplace plan or temporarily continuing your employer coverage by electing COBRA. Planning for retirement includes planning for your health coverage in retirement. To find out more, read Taking the Mystery Out of Retirement Planning.
These Laws Can Help
The Employee Retirement Income Security Act – Offers protection for inPiduals enrolled in retirement, health, and other benefit plans sponsored by private-sector employers, and provides rights to information and a claims and appeals process for participants to get benefits from their plans.
The Patient Protection and Affordable Care Act – Creates the Health Insurance Marketplace and provides protections for employment-based health coverage, including extending dependent coverage of children to age 26; prohibiting preexisting condition exclusions and prohibiting lifetime and annual limits on essential health benefits.
The Consolidated Omnibus Budget Reconciliation Act – Contains provisions giving certain former employees, retirees, spouses, and dependent children the right to purchase temporary continuation of group health plan coverage at group rates in specific instances.
The Health Insurance Portability and Accountability Act – Allows employees, their spouses and their dependents to enroll in employer-provided health coverage regardless of open enrollment periods if they lose coverage or in the event of marriage, birth, adoption or placement for adoption. Also prohibits discrimination in health care coverage.
The Women´s Health and Cancer Rights Act – Offers protections for breast cancer patients who elect breast reconstruction in connection with a mastectomy.
The Newborns´ and Mothers´ Health Protection Act – Provides rules on minimum coverage for hospital lengths of stay following childbirth.
The Genetic Information Nondiscrimination Act – Prohibits discrimination in group health plan premiums based on genetic information. Also, generally prohibits group health plans from requesting genetic information or requiring genetic tests.
The Mental Health Parity and Addiction Equity Act and the Mental Health Parity Act – Requires parity in financial requirements and treatment limitations for mental health and substance use benefits with those for medical and surgical benefits.
The Children´s Health Insurance Program Reauthorization Act – Allows special enrollment in a group health plan if an employee or dependents lose coverage under CHIP or Medicaid or are eligible for premium assistance under those programs.
For More Information
Visit the Employee Benefits Security Administration’s Website to view the following publications. To order copies or to request assistance from a benefits advisor, contact EBSA electronically or call toll free 1-866-444-3272.
CAMERON NORTH CAROLINA tspan:3mCAMERON NORTH CAROLINA
Two years of community college free for responsible students in CAMERON
In our growing global economy, Americans need to have more knowledge and more skills to compete -- by 2020, an estimated 35 percent of job openings will require at least a bachelor's degree, and 30 percent will require some college or an associate's degree. Students should be able to get the knowledge and the skills they need without taking on decades' worth of student debt.
If all 50 states choose to implement the President's new community college proposal, it could:
Save a full-time community college student $3,800 in tuition per year on average
Benefit roughly 9 million students each year
Under President Obama's new proposal, students would be able to earn the first half of a bachelor's degree, or earn the technical skills needed in the workforce -- all at no cost to them.
What students have to do: Students must attend community college at least half-time, maintain a 2.5 GPA, and make steady progress toward completing their program.
What community colleges have to do: Community colleges will be expected to offer programs that are either 1) academic programs that fully transfer credits to local public four-year colleges and universities, or 2) occupational training programs with high graduation rates and lead to in-demand degrees and certificates. Community colleges must also adopt promising and evidence-based institutional reforms to improve student outcomes.
What the federal government has to do: Federal funding will cover three-quarters of the average cost of community college. Participating states will be expected to contribute the remaining funds necessary to eliminate the tuition for eligible students.
Expanding technical training programs:
President Obama also proposed the new American Technical Training Fund, which will expand innovative, high-quality technical training programs across the country. Specifically, the fund will award programs that:
Have strong employer partnerships and include work-based learning opportunities
Scammers know that finding a job can be tough. To trick people looking for honest work, scammers advertise where real employers and job placement firms do. They also make upbeat promises about your chances of employment, and virtually all of them ask you to pay them for their services before you get a job. But the promise of a job isnt the same thing as a job. If you have to pay for the promise, its likely a scam.
Scammers advertise jobs where legitimate employers do online, in newspapers, and even on TV and radio. Heres how to tell whether a job lead may be a scam:
You need to pay to get the job
They may say theyve got a job waiting, or guarantee to place you in a job, if you just pay a fee for certification, training materials, or their expenses placing you with a company. But after you pay, the job doesnt materialize. Employers and employment firms shouldnt ask you to pay for the promise of a job.
You need to supply your credit card or bank account information
Don´t give out your credit card or bank account information over the phone to a company unless you´re familiar with them and have agreed to pay for something. Anyone who has your account information can use it.
The ad is for "previously undisclosed" federal government jobs
Many job placement services are legitimate. But others lie about what theyll do for you, promote outdated or fake job openings, or charge up-front fees for services that may not lead to a job. In fact, they might not even return your calls once you pay.
Before you enlist a companys help:
Check with the hiring company
If a company or organization is mentioned in an ad or interview, contact that company to find out if the company really is hiring through the service.
Get details in writing
Whats the cost, what will you get, and who pays you or the company that hires you? What happens if the service doesnt find a job for you or any real leads? If theyre reluctant to answer your questions, or give confusing answers, you should be reluctant to work with them.
Get a copy of the contract with the placement firm, and read it carefully. A legitimate company will give you time to read the contract and decide, not pressure you into signing then and there. Make sure any promises including refund promises are in writing. Some listing services and "consultants" write ads to sound like jobs, but thats just a marketing trick: They´re really selling general information about getting a job information you can find for free on your own.
Know whether its job placement or job counseling
Executive or career counseling services help people with career directions and decisions. They may offer services like skills identification and self-evaluation, resume preparation, letter writing, and interview techniques, and general information about companies or organizations in a particular location or job field.
But job placement isnt guaranteed. Fees can be as high as thousands of dollars, and you often have to pay first.
Your local consumer protection agency, state Attorney General´s Office, and the Better Business Bureau can tell you whether any complaints have been filed about a company. Just keep in mind that a lack of complaints doesnt mean the business is on the up-and-up. You may want to do an internet search with the name of the company and words like review, scam, or complaint. Look through several pages of search results. And check out articles about the company in newspapers, magazines, or online, as well.
Where to Look for Jobs
Youve read the many resume and interview tips from respected sources available for free online, and scoured online job boards and newspaper classifieds. Some other places to look for leads in your job search include:
Sponsored by the U.S. Department of Labor, CareerOneStop lists hundreds of thousands of jobs. It also links to employment and training programs in each state, including programs for people with disabilities, minorities, older workers, veterans, welfare recipients, and young people. For federal jobs, all open federal positions are announced to the public on usajobs.gov.
State and county offices
Your states Department of Labor may have job listings or be able to point you to local job offices that offer counseling and referrals. Local and county human resources offices provide some placement assistance, too. They can give you the names of other groups that may be helpful, such as labor unions or federally-funded vocational programs.
College career service offices
Whether its a four-year university or community college, see what help yours can offer. If youre not a current or former student, some still may let you look at their job listings.
Ask if they can point you to information on writing a resume, interviewing, or compiling a list of companies and organizations to contact about job openings.
If people in the media cannot decide whether they are in the business of reporting news or manufacturing propaganda,
it is all the more important that the public understand that difference,and choose their news sources accordingly.
Newsof.org. Selected the top stories of the city of CAMERON NORTH CAROLINA. Political events, traffic accidents on highways, downtown events, neighborhoods and inside. Also researched local newspapers and social networks, as well as the site of City Hall. Crimes, are always subject to demand generally for information. Also the tragedies and disasters such as fires, floods, flooding, rain, hail and winds. Tags: Breaking News, CAMERON NORTH CAROLINA, City, Indoors, Monday, Tuesday, Wednesday, Thursday , Friday, Saturday, Sunday, Car, Crash, Elections, Beating, Accident, Crime, Police, Criminal, Police, Road, Highway Access, Elections, Party, Hail, Rain, Flood, Anniversary, Award, Month, Week End , Today, Yesterday, Female, Male, Family, Child, People.