PERU INDIANA NEWS AND BLOG


Latest News - PERU INDIANA

Grape Sense: Want your wine delivered? Support Indiana Senate Bill 113


But what if you’re reading Grape Sense in Marion or Peru, Indiana? You just can’t pick up the phone and order some wine to try these great bottles. It’s prohibited by state law. And let’s admit, it’s a long drive. There is seldom good news in ...

Peru Library considering becoming county library


Peru Public Library Director Mary Ann Farnham said the process ...
"We have a lot of people behind the idea, but we are looking to get as many as we can," Farnham said. According to Indiana Library Law of 2005, "the library board of a public library ...

BOYS BB: Harp plays sweet music


RUSSIAVILLE — Western's boys basketball team used an efficient offensive performance to beat Peru 74-64 Friday night in a Mid-Indiana Conference game at Richard R. Rea Gymnasium. The Panthers shot 50 percent from the field (24 of 48) and committed just ...

Officer threatens mayor, gets restraining order


PERU, Ind. (WISH) — A northern Indiana police officer who threatened the police chief, a lieutenant and the city mayor has been barred from having contact with them for the foreseeable future. The Kokomo Tribune reports Jules Buffington leveled a general ...

Chris Pratt rumoured to play Indiana Jones


Everyone’s favourite Star Lord may be braving 1930s Peru for his next adventure. Yes, Disney is planning to resurrect Indiana Jones and Chris Pratt is their top choice to play the daredevil archaeologist, according to Deadline. While it’s merely a ...

Peru Man Arrested For Allegedly Having Sexual Relationship With 14-Year-Old


(MIAMI CO) - Indiana State Police arrested a 30-year-old Peru, Indiana man Friday on charges of sexual misconduct with a minor. Police say Joshua R. Hardy may have been involved in sex acts with a 14-year-old Miami County girl. Following an investigation ...

Police: Peru man had sexual contact with girl, 14


MIAMI COUNTY, Ind. (WISH) — Indiana State Police arrested a 30-year-old Peru, Ind., man Friday on charges of sexual misconduct with a minor. Police say Joshua R. Hardy may have been involved in sex acts with a 14-year-old Miami County girl.

Howard Hewitt column: Take action winos! Support wine shipping bill


Wine enthusiasts have read about the great wines of Huber, Butler, Oliver, and Turtle Run wineries in Southern Indiana. But what if you’re reading Grape Sense in Marion or Peru, Indiana? You just can’t pick up the phone and order some wine to try these ...

GRAPE SENSE: Legislation could remove onsite restriction


Wine enthusiasts have read about the great wines of Huber, Butler, Oliver, and Turtle Run wineries in Southern Indiana. But what if you’re reading Grape Sense in Marion or Peru Indiana? You just can’t pick up the phone and order some wine to try these ...

Dedication dates announced for temples in Peru, Indianapolis


The First Presidency has announced the open house, cultural celebration and dedication dates for the Trujillo Peru and Indianapolis Indiana Temples. A public open house for the Trujillo Peru Temple will begin on May 8 and go through May 30 and run every ...




SPECIAL INFORMATION FOR PERU

Make Your Health Benefits Work for You in PERU

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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PERU INDIANA tspan:3m PERU INDIANA




The city and the 7 steps to positive thinking

Most of us keep a constant mental conversation .  We talk with ourselves every day, and unfortunately, many times these "internal" discussions are negative,  often marked by guilt about the past or worry about the future.  Such negativity can destroy any sign of hope that we have about the realization of our dreams.

Our actions are based on our thoughts.  If we change the way we think, we can begin to change the actions we take.  Humans are always in pursuit of personal growth  financial, emotional, physical or spiritual. Practicing positive internal conversations can help us going to take actions that lead to great results.

Then I leave seven steps to achieving a positive self-talk.  Following these steps you will be able to start eliminating your negative conversations and replace them with thoughts that will motivate you to improve.

1   Eliminate negative self-talk

The first step is realizing.  Would difficult to make a change without know intimately the thoughts that are in our head. 

No doubt that if you have a long history of negative internal conversations, will be a challenge.  Their conversation becomes negative over the years for various reasons.  For example, if a child constantly told you that you were "dumb", you could incorporate as a truth. Then  you will discover your inner self there is a little voice that often repeats phrases like "I´m too slow", or "it costs me learn something."  If you constantly pass on negative stories, your actions will reflect their low self-esteem.  Going to be difficult for you to get somewhere if you´re always pulling back.

Ordinary conversation includes the negative "can not."  When you say to yourself  "I can´t" or "it´s very difficult," you are creating resistance.  A mental block  are prevented you from doing things that  could succeed.

Whenever you find yourself saying "I can´t ...", stop the game and challenge yourself with a "why?".  Studies show that most geniuses become outstanding people after years of commitment and more commitment.  So if you want to be successful need to start saying "I can" more often.

A good method I have found useful is to say "stopping, stopping" whenever I notice myself saying something negative about myself, both mentally and verbally.  This method works if you have a sincere interest in positive thinking.

2    Positive Affirmations

Affirmations are positive expressions of a desired outcome or goal.  Expressions are generally short, believable and focused.  By repeating them over time, we opened new paths in our subconscious, creating the possibility of a new order of thoughts.

An important step in repeating affirmations is to read them aloud and with feeling.  But read does not help unless you really feel what you say.

Surely you have any questions about this technique at the beginning.  Nevertheless, if you follow these simple instructions to his disbelief will soon be replaced by faith in yourself.

3      Create positive screenplays

One thing you can see is that it´s easy for your mind to generate negative thoughts, based on other negative thoughts.  This cycle never ends, but increases, creating a strong limitation.

From now on, let´s do this exercise.  Invent a positive, uplifting story that flows like a movie script.  Visualize the situation. Build  the story with a positive ending;  how bigger the storyline  better.  Better yet if you can develop a story that tells how all your goals are reached.  When you do begin to internalize your goals and dreams as if they were something you already did.

4      Replace negative influences with positive

It is important to identify external negative factors in your life that are limiting your thoughts.  For example, your mood can poison with friends and people who are negative.  If you are not careful enough, you will begin to adopt their  negative thoughts.  So be alert to negative influences.  Whether they come from friends, limit your exposure to these thoughts as much as you can. Additionally, avoid discussing your plans with people who did not  encourage and help you in your dreams and goals.

Instead, look to surround yourself with the thoughts and actions of people that motivate you. Before long you will see the transformation of a pessimistic ball in a good and pleasant aura .  This positive energy that surrounds you will begin to improve their internal conversations too.

5    Posts in present time

What can help you is to focus about the steps you can take now.  If you find yourself locked, think: "what can I do now?."  Change your self-talk, letting anxiety about the future and start to act in this time.  You can not control what happens in the future, but if you take the necessary steps now, it allows you to have a better tomorrow. Focus   your thoughts on today and now.

6    Controlling fears

Fear is often what prevents you from achieving the goals.  Are you afraid to take risks for fear of losing the security that enjoys now.  You try to convince yourself that you are happy in their current state when, in reality, is not .  Your inner self may seem positive in trying to lie to himself.  Yet somehow, you know you´re cheating.

Ask yourself what are your fears. What ´s the worst that can happen? Follow  a step-by-step approach - to discuss their fears and see if there is any way to see things more positively.  When you confront your fears, often going to realize that the worst case scenario is not as bad as thought.  On indeed, the benefits of change tend to justify the risk.

7    Enjoy the good times

It´s much easier to have a positive attitude if you focus on the good moments of your life instead of the bad.  Although it is inevitable to have  problems and challenges, remember that life consists of ups and downs, and that the good times are forged through the bad times.

So choose to fill your mind with positive thoughts and images.  Make it a conscious habit.  To start, if you can be grateful for what you have now, your internal conversation will begin to change and align yourself with that sense of joy.  A state of gratitude helps a lot to your mind.

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People help people. Gods do not help people

HealthDay news image Organ transplants have saved more than two million years of life in the United States over a period of 25 years, new research shows.But fewer than half the people who needed a transplant in this period they received, according to a report in the online edition of the January 28 issue of the journalSurgery JAMA ."The critical shortage of donors continues to affect this field. Just 47.9 percent of patients on the waiting list during the 25 years of the study underwent a transplant. The need is increasing, and therefore the Organ donation should increase, "wrote Dr. Abbas Rana, Baylor College of Medicine in Houston, and colleagues. The researchers analyzed the medical records of more than 530,000 people receiving organ transplants between 1987 and 2012, and nearly 580,000 people who signed up for the waiting list but never received a transplant. In that period, transplants saved 2.2 million life years, with an average of just over four years saved for each person who received a transplant from a living body, the study authors noted in a news release from the journal . The number of years saved by type of organ transplant life were: kidney, 1.3 million years; liver, more than 460,000; heart, almost 270,000; lung, about 65,000: pancreas and kidney, nearly 80,000; pancreas, just under 15,000, and intestines, around 4,500. One expert noted the relevance of the findings. "This study highlights the importance of organ donation, and shows that solid organ transplants save lives. One organ donor can have an impact on up to 50 lives," said Dr. Kareem Abu-Elmagd, director of the Center for transplant at the Cleveland Clinic in Ohio. "The field of transplantation continues to seek ways to save more lives," said Abu-Elmagd. "For example, the program of ex vivo perfusion of organs of the Cleveland Clinic has been studying perfusion technology to better preserve organs donated." Powered by infusion, a machine pumps oxygen and nutrients to the donated enriched to prevent damage or deterioration of the body prior to transplant into a patient waiting, according to the Cleveland Clinic organ solution. Baylor researchers suggested a direct solution. "We call for greater support of transplantation and solid organ donation, valuable efforts have an impressive record of achievements and tremendous potential to do even more good for humanity in the future," concluded the authors. HealthDay, translated by HispaniCare

SOURCES: Kareem Abu-Elmagd, MD, Ph.D., director, Cleveland Clinic´s Transplant Center, Ohio; JAMA Surgery , news release, Jan. 28, 2015

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