CROWN POINT INDIANA NEWS AND BLOG


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Road rage leads to shots fired at Chicago man's car on I-80/94


was charged with criminal recklessness and taken to the Lake County Jail in Crown Point, police said. Additional charges may be pending. A ride through northwest Indiana almost turned deadly for a Chicago man after some mutual road rage turned into ...

ISP: Shots fired during road rage along Indiana interstate


An Indiana man was arrested after state police accused him in ...
Ontiveros-Leyva was taken to Lake County jail in Crown Point and charged with criminal recklessness. Additional charges may be pending.

Man arrested in Indiana after pulling a knife on relative at Delnor Hospital


Police tracked Patzer to Indiana, where he was arrested about 8:45 ...
He was taken to the Lake County Sheriff's Department in Crown Point, Ind. He is schedule to appear at an extradition hearing Wednesday.

Suspect in Hospital Attack Caught in Indiana


Geneva police had notified authorities in Hammond of the possibility of the suspect being in Indiana . Police say they were called ...
be taken to the Lake County Sheriff's Department in Crown Point for an extradition hearing.

Campton Hills man taken into custody in Indiana, hours after incident at Delnor


Geneva police advised authorities in Hammond that Patzer might be in Indiana. The release indicated that Patzer would be taken to the Lake County Sheriff’s Department in Crown Point, Indiana, for an extradition hearing to take place today. Patzer had ...

Judge to consider if sheriff violated murder case gag order


CROWN POINT, Ind. (AP) — A northwestern Indiana judge will consider allegations Lake County's sheriff violated a gag order imposed in the case of a man suspected of killing seven women. The county's online court system shows Judge Diane Boswell on Feb ...

Indiana judge to consider allegations sheriff violated gag order in case of 7 slain women


CROWN POINT, Indiana — A northwestern Indiana judge will consider allegations Lake County's sheriff violated a gag order imposed in the case of a man suspected of killing seven women. The county's online court system shows Judge Diane Boswell on Feb. 13 ...

Sheriff says he won’t entertain suspect in 7 Indiana deaths


CROWN POINT, Ind. (AP) — A northwestern Indiana sheriff whose county jail is holding a man charged with strangling two women and suspected of killing five others says he won’t provide that man with any forms of entertainment unless a court orders him ...

Edna L. Tate


CROWN POINT, Ind. – Edna Lucas Tate, 96, passed away peacefully Jan. 7, 2015 at Vibra Hospital of Northwest Indiana, in Crown Point, Indiana. She was born on Sept. 13, 1918 in Philadelphia, Pennsylvania to Ardell and Margaret Lucas. Her maternal ...

Crown Point recognized as sixth safest city in Indiana


Crown Point was recently recognized as the sixth safest city in the state, Police Chief Pete Land said. Not one to rest on their laurels, the police department strives to be visible in the community, is continuing its successful outreach programs and ...




SPECIAL INFORMATION FOR CROWN POINT

Save Money on Homeownership in CROWN POINT

Watch on YouTube

President Obama and Secretary of Housing and Urban Development Julián Castro visited Phoenix, Arizona this afternoon to put a spotlight on the recovering housing sector.

Restoring security to homeownership has always been one of the President's top economic priorities, and the results are clear -- the housing market has greatly improved since President Obama took office.

The President’s push for new consumer protections and tough enforcement on abuses have given Americans more confidence in investing in homeownership:

  • Home sales are up.
  • Home building has more than doubled since 2009.
  • Home values have risen for the past three years.

But there's more work to do. Mortgages need to be more accessible and affordable for creditworthy families.

That's why today, at Central High School in Phoenix, the President announced a responsible reduction in the Federal Housing Administration’s (FHA) Mortgage Insurance Premium program. The Federal Housing Administration will reduce annual mortgage insurance premiums by 0.5 percentage points, from 1.35 percent to 0.85 percent.

The President’s new proposal to reduce the fees associated with buying a home would help first-time homebuyers save an average of $900 on their annual mortgage payment. More people buying homes would also strengthen the market, helping everyone who already owns a home.

In Phoenix today, President Obama explained that homeownership was a dream that should be open to all Americans. Not only will the President’s actions help numerous families realize the American Dream and get a place they can finally call home, but millions of families will save billions of dollars in mortgage payments in the coming years, helping to support and stabilize the housing market recovery.

President Obama delivers remarks on housing at Central High School in Phoenix

President Barack Obama delivers remarks on housing at Central High School in Phoenix, Az., Jan. 8, 2015. [31]



CROWN POINT INDIANA tspan:3m CROWN POINT INDIANA




City service: tips to get pregnant

Trick 1: Find out when you"re ovulating

The biggest secret to get pregnant right away is to know exactly when you are ovulating, ie, when one of their two ovaries are releasing an egg. Think of this egg like a target, and imagine the sperm like arrows:. For you to get pregnant, one of the arrows have to hit the target there are several methods to help you discover if you are in the fertile period. One of them is our ovulation calculator. Read more about how your menstrual cycle works. But if you notice that your periods have been very irregular in recent months, may be more difficult to identify ovulation. See what other methods to detect ovulation and consult your doctor to know better how to proceed. 




Trick 2: Be in the right place at the right time

Once you know the date of ovulation, prepare (and list your partner) to have sex during your most fertile days. You can get three days before and continuing until after the expected date of ovulation. (Start a little earlier also does not hurt; some women achieved pregnancy having sex until six days before ovulation.) As the sperm survive in your body for a few days, you have a good length of time to try to conceive. This means that if you have intercourse on a Monday, the sperm will stay in her reproductive system, waiting for an egg, until Thursday. Or up to Sunday in some cases. But remember, your egg only survives for about a day. If you do not know when ovulation will occur, follow the good old rule of having sex every other day. So, every day you will have a stock of healthy sperm waiting in the fallopian tube, ready to spring into action when the egg appears. (If you and your partner want to have sex more often than that, no problems. But know that it does not will increase or decrease your chances of getting pregnant). Another tip: if for some reason you are waiting to go into action during the time of ovulation, do not let this happen after a long fast. Your partner needs to ejaculate at least once before the fertile period, but there may be an accumulation of dead sperm in the semen, and they do not serve to conceive a baby. 








Trick 3: Remain lying down after sex

For a long time, scientists had no evidence that the woman stay lying down for a while after sex help the sperm to reach the egg. But, in 2009, Dutch researchers found that, in a fertility clinic in Amsterdam, women remained lying on his back for 15 minutes after artificial insemination were 50% more likely to become pregnant than those that remained standing after the procedure. You can not prove that the same probability applies to sexual intercourse, but the study shows that lie can help the sperm to do their part. And anyway, does not hurt to try. It is not necessary to stay with her ??legs up, just lying on her side is enough. 






Trick 4: Enjoy this time of expectation

If you hurry to get pregnant, you may end up feeling too anxious about it. This is normal, but the truth is that the chances are greater if you are not stressed. This is because the hypothalamus - the gland in the brain that regulates hormones ovulation. - Does not work so well when you"re nervous, causing her body to end ovulating later or even not release an egg that cycle therefore try maximum to enjoy this phase and all this "lot" of carefree sex. Make sex fun - instead of just thinking about making a baby - you can even increase your chances of getting pregnant. And if you"re thinking of ways to spice things up, good news: there is not a position that is better than the other to get pregnant. All are equally effective. 


Trick 5: Prepare the ground for superespermatozoides

Sperm are more likely to fertilize an as healthier, stronger and egg are plentiful. There are several ways to help your partner improve sperm quality:
  • Cut Alcohol (drink daily studies show that may reduce testosterone levels, lower sperm count and increasing the number of defective cells).
  • Declare war on smoking (smoking can reduce the quality of sperm).
  • Eat more foods rich in zinc, folic acid, calcium and vitamins C and D (they help produce many strong and fast sperm).
  • Avoiding hot and sauna baths, since the heat eliminates sperm (testes work best at a temperature between 34.4 and 35 degrees Celsius, slightly less than normal body temperature). Stay long with the laptop on the lap increases the temperature of the testes, as well as riding a bike too.

The sooner your partner adopt these changes, the better. New sperm can take up to three months to produce. 

Trick 6: Make sure you also

Your chances of having a healthy pregnancy and a baby are higher if your body and your life are ready for the task. Before you start trying to conceive, see your gynecologist or general practitioner to see if all is well with your ovulation and if their immunizations are up to date. You will also greatly help if you reduce or cut the consumption of alcoholic beverages and smoking cessation and drugs. All these substances interfere negatively on your fertility and are also dangerous to the fetus. Consider the hypothesis also cut out caffeine. Some studies show that women who take more than one or two cups of coffee a day are less likely becoming pregnant. 
Based in babycenter.com [20]



Make Your Health Benefits Work for You in CROWN POINT

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.

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