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Home stores hiring


Home Depot in Mishawaka and Menards are also hiring in anticipation of ...
If something is happening in southern California, we know about it in Indiana instantly. It’s become harder to surprise people so we plan to stay ahead of that curve,” Fields ...

Cutting ISTEP down to size: As school districts adjust test, some discover problems


Carolyn Freeman, coordinator for assessment and high ability programs for Mishawaka, said of the changes, “It’s really pretty simple. It’s basically half of the test.” The test is different from past years because it’s based on Indiana’s new ...

In memoriam: Charles E. Rice, professor emeritus of law


Visitation will be held 4-8 p.m. Saturday (Feb. 28) and 2-7 p.m. Sunday (March 1) at Hahn Funeral Home in Mishawaka, Indiana. A funeral Mass will be celebrated at 11 a.m. Monday (March 2) at St. Joseph Church in Mishawaka. Memorial contributions may be ...

Illinois Football Extends Offer To Ben Knutson


Illinois football extended their latest recruiting offer to a three-star strong-side defensive end out of Mishawaka, Indiana. This past Wednesday, Tim Beckman and company continued their work on the 2016 recruiting class by extending an offer to ’16 ...

Michiana homeschool basketball team aims for nationals


MISHAWAKA A local girls’ basketball team has accomplished ...
It's similar to the IHSAA, or the Indiana high school athletic association, but with different rules. To be eligible, players have to be homeschooled for at least 51% of their classes, able ...

Indiana Hospitals launch website to make medical costs more tran - ABC57 News - See the Difference Michiana


Tuesday night the Board of Trustees for School city of Mishawaka approved an agreement to continue work with a consulting firm. Pence makes executive order to change ISTEP testing Pence makes executive order to change ISTEP testing After the Indiana ...

Goshen businesses hoping to recover from Valentine's Day slump


UPDATE: Traffic slowed, one westbound lane closed on Toll Road after multiple-semi crash State Police say westbound lanes of the Indiana Toll Road are still backed up after a multi-vehicle crash in Mishawaka. Indiana State Police say a crash involving ...

Indiana state wrestling – Day 1


The Indiana State Wrestling Tournament started Friday ...
120: Kyle Hatch (Warsaw) pinned Isaac Gomez (Plainfield), 5:11; Brock Hudkins (Danville) pinned Ryan Hardesty (Mishawaka), 0:43. 132: Evan Eldred (Westfield) dec. Austen Laughlin (Riley), 8-4.

Mishawaka mayor plans to brand city with new signs


MISHAWAKA, Ind. (AP) — A northern Indiana mayor plans to bring high quality road signs with an urban flair to his city, saying it will give visitors a sense of cohesiveness. Mishawaka Mayor Dave Wood says the new signs will point visitors toward the ...

Mishawaka mayor plans to brand city with new signs, give visitors sense of cohesiveness


MISHAWAKA, Indiana — A northern Indiana mayor plans to bring high quality road signs with an urban flair to his city, saying it will give visitors a sense of cohesiveness. Mishawaka Mayor Dave Wood says the new signs will point visitors toward the city's ...

Mishawaka, Indiana; Saturday; February 28, 2015


Bendix Woods County Park sugar camp City of Mishawaka – Facebook Activities Michiana Daily News Update BethelCollegePilots.com Today’s High 24 Low -7 Partly cloudy. Coldest Month Ever: Northea…

Your New 2014 Nissan Versa at Gurley Leep Nissan in Mishawaka Indiana by Gurley Leep Nissan | February 27, 2015 at 04:45PM


Video Title: Your New 2014 Nissan Versa at Gurley Leep Nissan in Mishawaka Indiana This video has upload by Gurley Leep Nissan Date: February 27, 2015 at 04:45PM Original Source (Youtube video ID Vqg…

Mishawaka, Indiana; Friday; February 27, 2015


City of Mishawaka City of Mishawaka – Facebook Activities Michiana Daily News Update BethelCollegePilots.com Today’s High 6 Low -6 Light snow with gusty winds at times. Boston cyclists built a…

Evil Czech Brewery in Mishawaka, Indiana: Vegan Options


Sometimes you drive in a new location and there is a name of an establishment that just really catches your …Continue reading →

Rise’n Roll Mishawaka


Construction on the Rise’n Roll Bakery location in Mishawaka is looking good.  Exterior building improvements are complete and crews are working on the inside.  Looking forward to the cinnamon carmel …

Mishawaka, Indiana; Thursday; February 26, 2015


City of Mishawaka City of Mishawaka – Facebook Activities Michiana Daily News Update BethelCollegePilots.com Today’s High 16 Low -1 Mainly cloudy with snow showers around this morning. New Rou…

Mishawaka, Indiana; Wednesday; February 25, 2015


Activities Michiana Daily News Update BethelCollegePilots.com Today’s High 22 Low 11 Partly cloudy. More cold temperatures and wintry mix expected across the US Wednesday Yahoo Local News Loca…

Mishawaka, Indiana; Tuesday; February 24, 2015


“Big George,” Mishawaka VFW Post 360 City of Mishawaka – Facebook Activities Michiana Daily News Update BethelCollegePilots.com Today’s High 26 Low 1 Overcast skies and windy. A few flurries …

Vegan at Bowl of Pho in Mishawaka, Indiana


Moving to Indiana again was a bit scary since we have not lived here since our university days, never here …Continue reading →

India Garden Restaurant in Mishawaka, Indiana


Many of you might not know this but I love Indian food because I used to live with someone from …Continue reading →




SPECIAL INFORMATION FOR MISHAWAKA

Make Your Health Benefits Work for You in MISHAWAKA INDIANA

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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MISHAWAKA INDIANA tspan:3m MISHAWAKA INDIANA




Filing A Charge of Discrimination on MISHAWAKA INDIANA

If you believe that you have been discriminated against at work because of your race, color, religion, sex (including pregnancy), national origin, age (40 or older), disability or genetic information, you can file a Charge of Discrimination. All of the laws enforced by EEOC, except for the Equal Pay Act, require you to file a Charge of Discrimination with us before you can file a job discrimination lawsuit against your employer. In addition, an individual, organization, or agency may file a charge on behalf of another person in order to protect the aggrieved person´s identity. There are time limits for filing a charge.

Note: Federal employees and job applicants have similar protections, but a different complaint process.

If you file a charge, you may be asked to try to settle the dispute through mediation. Mediation is an informal and confidential way to resolve disputes with the help of a neutral mediator. If the case is not sent to mediation, or if mediation doesn´t resolve the problem, the charge will be given to an investigator.

If an investigation finds no violation of the law, you will be given a Notice of Right to Sue. This notice gives you permission to file suit in a court of law. If a violation is found, we will attempt to reach a voluntary settlement with the employer. If we cannot reach a settlement, your case will be referred to our legal staff (or the Department of Justice in certain cases), who will decide whether or not the agency should file a lawsuit. If we decide not to file a lawsuit, we will give you a Notice of Right to Sue.

In some cases, if a charge appears to have little chance of success, or if it is something that we don´t have the authority to investigate, we may dismiss the charge without doing an investigation or offering mediation.

Many states and local jurisdictions have their own anti-discrimination laws, and agencies responsible for enforcing those laws (Fair Employment Practices Agencies, or FEPAs). If you file a charge with a FEPA, it will automatically be "dual-filed" with EEOC if federal laws apply. You do not need to file with both agencies.

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A generic drug is an identical copy of another factory named

1. What are generic drugs?

A generic drug is an identical copy of another factory named. The same dosage, safety, strength, desired effect, how to use and final results, unless the trademark.

2. Are the equally safe generic drugs to leading factory name? 

Yes. The FDA requires that all drugs are safe and effective. Being that the generic use the same active ingredients and work in the body in the same way as the original, also have the same risks and benefits.

 3. Are the equally powerful to the original generic drugs?

Yes. The FDA requires that generic drugs are of the same quality, strength, purity and stability as their counterparts with factory name.

4. generic drugs need more time to work in the body?

No. Generic drugs work in the same way and for the same period of time the drugs trade name.

5. Why are generic drugs less expensive?

One of the main reasons is because the manufacturers of generic drugs did not have to invest money to the developers of the original drug spent on the new product. New drugs are developed and protected by a patent. The patent protects the investment-including research, development, distribution and advertising-giving the company the sole right to sell the drug while it remains in effect. When approaching the expiration of the patent, manufacturers pueded submit an application to the FDA to sell generic versions of the drug. Since these manufacturers do not incur these costs desarrolllo the product as the first, can sell the generic version at substantial discounts. There is also more competition and less advertising, which helps keep the price down. Today, almost half of all drug prescriptions are replaced with generic versions.

6. Are drugs with name brand, produced in more modern facilities than generic?

No. Both facilities must meet manufacturing requirements required by the FDA. The agency does not allow drug manufacturing facilities of inferior quality. The FDA annually conducts about 3,500 inspections to ensure that regulations are met. The signatures of generic drugs work comparable to those of drugs called factory facilities. Indeed, the producers of original drugs produce approximately about 50 percent of generic drugs; frequently make copies of their own brand and other firms that are sold without the original name.

7. If the name drugs and generic factory have the same active ingredients, why they look different?

In the United States the law does not allow a generic drug look exactly the same to another name or trademark. However, a generic drug must duplicate the active ingredient of the original. The colors, flavors and some inactive ingredients may be different.

8. Is it necessary that every drug has a generic equivalent?

No. When drugs called factory were introduced, most of which were protected by a patent for 17 years.This provided protection to the originator that covered the initial costs (including research and marketing expenses) to develop the new drug. However, when the patent expires, other companies can introduce genetic competing versions, but only after being put to thorough testing by the manufacturer and FDA approved.

 9. What is the best source of information about generic drugs?

Contact your doctor, pharmacist, or insurance company for more information about its generic drugs. You can also visit the FDA on the Internet: Understanding Generic Drugs. [5]










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it is all the more important that the public understand
that difference,and choose their news sources accordingly.
Thomas Sowell

Newsof.org. Selected the top stories of the city of MISHAWAKA INDIANA. 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, MISHAWAKA INDIANA, 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.