Kansas City, MO -
infoZine - This Winter
Weather Advisory is for
Fayette, New Franklin,
Boonville, Butler, Rich
Chapple was reportedly
taken into custody while
the bus was stopped at a
rest stop near Concordia,
Missouri. He has been
charged with first-degree
and is awaiting
extradition back to
Washington. The baby is
reportedly unharmed and
Smothers and Tim Schmidt
were united in marriage
on April 26, 2014 at
Concordia Lutheran Church
in Frohna. Pastor Rod A.
Benkendorf officiated the
ceremony. The bride was
given in marriage by her
parents, Clyde and Lynn
Smothers of Barnhart
Paul Lutheran High Choir
at Trinity on Friday The
choir of Saint Paul
Lutheran High of
Concordia, Mo., concert
at 7 p.m. Friday Check
out this story on
Arbor and at 10 satellite
centers. The school is
affiliated with The
Synod and is part of the
System. Sarah Rigg is a
freelance writer and
editor in southeast
Michigan. You may reach
her at sarahrigg1
61 7 T15
Campbellsville (Ky.) 55 8
10 Oklahoma City 54 9 8
Missouri Valley 52.5 10 6
Concordia (Neb.) 51.5 11
13 Dickinson State (N.D.)
42.5 12 11 Embry-Riddle
(Ariz.) 41.5 13 9 Indiana
Tech 37.5 14 T15 Midland
(Neb.) 31.5 15 T17 Baker
(Kan.) 30.5 16 12
Farah broke the world
indoor record for two
miles Saturday ...
Wolves are back in the
pack after the first day
of the GNAC Indoor.
Concordia Cavaliers add
to their haul of NAIA
Indoor qualifiers. The
front page for
defeats Eugene, 29-26.
North Callaway defeats
Bowling Green, 47-35.
Cole Camp defeats
Posted on Feb 20 at
12:00pm Missouri man, son
accused in axe ...
In 1976, it became
a four-year college. And
in 2001, it became a
enrollment at Concordia,
a private university
affiliated with the
Synod, is on the rise,
thanks in part to the
advancements to campus
programs and ...
Heimsoth, 86, of
Concordia, MO, died
Friday, February 13, 2015
at I-70 Community
Hospital in Sweet
Springs. Funeral services
will be held at 10:30
a.m. Tuesday, February
17, 2015 at St. Paul's
Lutheran Church in
Concordia with Rev. R.
Lee Hagan ...
Moroșanu hat das
einzige Tor in der 22.
Minute erzielt.+ +
+Gespielt wurde in
Voiteni. + +
Schettino [was] found
guilty for 32 counts of
manslaughter when he
abandoned the sinking
Costa Concordia in
January 2012.” It
has long been an idiom
and tradition of the sea
meci al etapei a 19-a din
Liga 1 are loc azi de la
ora 18:00 intre Concordia
Chiajna si Otelul Galati.
Returul a fost inceput
mai bine de echipa din
Chiajna care a remizat
duminica 2-2 in
è un progetto
in Antartide ad una quota
di 3200 metri sopra il
livello del mare e a
circa 1300 km dal polo
sud geografico. Ha
iniziato a prendere
Summer Camp has an
experience waiting for
your child with programs
for early childhood ages
3 to 5 as well as grades
1-9. The camp is located
on the beautiful
of Anthropoliteia are
pleased to introduce
our new team member, Sean
Miller, who will be
taking on co-editing
with the David
Thompson) for the In
— The state
of Criminal Investigation
is looking into the
shooting of an
18-year-old man by a
21-year veteran of the
doctor Beth Healey at the
Concordia station in
Healy In Antarctica,
the crew of the
He might be
facing 16 years in jail
for manslaughter after
his ship ran aground
killing 32 people, but
that apparently hasn't
Schettino from flirting
with TV celebrity fame.
Just to remind any of my
readers who would like to
see this photo a bit
larger it is just a
matter of clicking on it.
I drove up to our local
reservoir an hour ago and
took photos as the sun
SPECIAL INFORMATION FOR CONCORDIA
Make Your Health Benefits Work for You in CONCORDIA MISSOURI
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.
CONCORDIA MISSOURI tspan:3m
Atention: do you saw any of these people in CONCORDIA MISSOURI?
The FBI is offering rewards for information leading to the apprehension of the Ten Most Wanted Fugitives. Select the images of suspects to display more information.
Facts on the Program |
Historical Photos of Each Top Tenner |
60th Anniversary Booklet
ROBERT WILLIAM FISHER
YASER ABDEL SAID
JASON DEREK BROWN
WILLIAM BRADFORD BISHOP, JR.
VICTOR MANUEL GERENA
GLEN STEWART GODWIN
ROBERT WILLIAM FISHER
Unlawful Flight to Avoid Prosecution - First Degree Murder (3 Counts), Arson of an Occupied Structure
The FBI is offering a reward of up to $100,000 for information leading directly to the arrest of Robert William Fisher.
Robert William Fisher is wanted for allegedly killing his wife and two young children and then blowing up the house in which they all lived in Scottsdale, Arizona in April of 2001.
Fisher is physically fit and is an avid oupoorsman, hunter, and fisherman. He has a noticeable gold crown on his upper left first bicuspid tooth. He may walk with an exaggerated erect posture and his chest pushed out due to a lower back injury. Fisher is known to chew tobacco heavily. He has ties to New Mexico and Florida. Fisher is believed to be in possession of several weapons, including a high-powered rifle.
Fisher has surgical scars on his lower back.
Take Action to Improve Your Financial Situation in CONCORDIA MISSOURI
By Katie Bryan, America Saves Communications Director.
America Saves Week, February 24
March 1, 2014, is a time to review your finances, decide what you want to
save for, and set up a system that will allow you to save automatically. Thats
why the America Saves Week theme is Set
a Goal. Make a Plan. Save Automatically. Did you know that only half of
Americans report having good savings habits? Even if you are already saving,
its good to take a look at your goals and decide if you can save more or start
a new savings goal. Join thousands of others who are pledging to pay down
debt, save money, and take financial action during America Saves Week.
Not sure what to
save for or what to save for next? Here are the most popular saving goals
of those who have pledged to save through America Saves:
· Save for Emergencies - Only 37 percent
of low-to-moderate income households have a savings or money market account at
a bank or credit union and nearly a quarter of savers who have pledged to save
have chosen emergency savings as their first wealth-building goal. Learn
· Save for Education - Saving for
education is the second most popular goal savers select when they pledge to
save with America Saves. There are many different things to factor in when
saving and paying for college. Learn
· Pay Down Debt - Getting out of debt is the #3 goal
Savers select when they pledge to save. That does not come as a surprise since
a 2012 survey found that 45% of families
with annual incomes under $50,000 rely on credit cards to pay for basic needs
such as rent, utilities, insurance and food. Learn
· Save for a Home - For decades, home ownership has
been the main path to wealth for most Americans. Today, home equity - the
market value of a home minus the balance on any home loans - represents more
than four-fifths of the typical family’s wealth. Learn
· Save for Retirement - Retirement
savings is a top priority for many Savers. Saving for retirement now will
ensure that you have enough money to maintain a comfortable standard of living
when you stop or reduce the amount of hours you work. Learn
Not sure how to
save for your goals? Here are some saving strategies to help:
· Save Automatically - The easiest and
most effective way to save is automatically. This is how millions of Americans
save at their bank or credit union, and how millions of employees save through
401(k) and other retirement programs at work. Learn more.
· Save at Tax Time - Do you spend weeks eagerly
anticipating your tax refund? When the money finally comes in, is it gone
tomorrow? Many people view tax refunds as unplanned bonuses. They see the money
as a gift from the government, to use for splurges or treats. But a tax refund
provides the opportunity to improve your financial situation. Learn
the America Saves Pledge (or re-pledge) today to set your savings goal and
make a plan to save. When you take the pledge you can also choose to receive
text message tips and reminders to help you save for your goal. And dont
forget to follow America Saves on Facebook
America Saves Week is coordinated
by America Saves and the American Savings
Education Council. Started in 2007, the Week is an annual opportunity for
organizations to promote good savings behavior and a chance for inpiduals to
assess their own saving status