harvesting about 101,500
deer in 2014, which is an
increase from 99,414
harvested in 2013.
Although this is a slight
increase it is still 33
percent lower than the
peak harvest of 150,552
reported in 2006. Hunters
now ties with the Fort
Wayne Komets (28-9-1-2
Scouting Report Thu.,
Jan. 29 at Iowa Wild
(15-26-1-1) - Wells Fargo
Arena - 8 p.m. Radio :
WOOD 106.9 FM/1300 AM at
7:35 p.m. Web Casts :
Video web cast at
AHLLive.com, free audio
Panasiuk heating up The
first five offers are in
for Lake Park junior
defensive lineman Mike
Panasiuk, from Toledo,
Miami (Ohio), Iowa State,
Syracuse and Western
Michigan. "Recruiting has
been good, it’s
been picking up lately,"
preceded in death by her
parents and two brothers,
Calvin and Perry Moore.
Doris Lucille Moore was
born July 8, 1924, in
Toledo, Iowa, the
daughter of Calvin and
Bernice (Berger) Moore.
After graduating from
high school she worked at
the Tama ...
A judge sided
with the legislators in
that case, and Branstad
is appealing the matter
to the Iowa Supreme
Court. Heaton said the
court is expected to rule
next month. If Branstad
loses the Toledo case,
Heaton said, the governor
could be forced to back
schools. Toledo Public
Schools hired him in
1962, and he taught shop
at Woodward High School.
He received a
from Bowling Green State
University and was a
former president of the
state association of
Visitation will be
held on Wednesday,
January 21, 2015 from 1-3
PM at Kruse-Phillips
Funeral Home in Tama with
a Graveside Service
following at Holy Trinity
Cemetery in rural Toledo.
Orleen was born on August
27, 1925, in Tama, Iowa,
the daughter of Frank
against Iowa at Kinnick
Stadium. The 6-foot-3 ...
and offensive lineman
In 2015 Toledo
will play the likes of
Arkansas, Arkansas State
and Iowa State in
hosting the Red Wolves
and Cyclones at the Glass
Bowl in Toledo. The 6-3,
205 pound defensive back
prospect played his JUCO
ball at Northwest
AMES, Iowa (AP)
- Naz Long scored 20
points and 11th-ranked
Iowa State held off No. 9
Kansas 86-81 on Saturday
back-to-back wins over
the Jayhawks for the
first time in 14 years.
Georges Niang had 15
points for the Cyclones
SPECIAL INFORMATION FOR TOLEDO
Make Your Health Benefits Work for You in TOLEDO
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.
TOLEDO IOWA tspan:3m
The city agains Asthma
If you or your child has asthma, you are not alone. About 23 million people in the United States suffer from asthma. Asthma is the leading cause of disease of long duration in children.
We are all responsible for protecting the conditions that determine a good level of health for our family and our community. Education is the basis for creating health-promoting environments for all.
At present, we have at our disposal a wealth of information about asthma. Hence, both the parents and the people who are caring for children play an important role in the transmission of knowledge, and changing lifestyle of the family.
Since the EPA is committed to educating all people about asthma, then you will find useful information that will help you more effectively control asthma.
What are the environmental factors that cause asthma?
Asthma can be triggered by allergens or irritants that are common in our homes.The most common factors are:
Asthma can be caused by smoke from a cigarette butt, pipe or cigar and also by the smoke exhaled by a smoker.
- Choose not to smoke in your home or car or allow others to do so.
Dust mites are too small to be seen with the naked eye, but are in every home.They live in mattresses, pillows, carpets, furniture fabric wallpaper, bedspreads, clothes and stuffed toys.
- Wash sheets and blankets weekly in hot water.
- Choose soft toys that are washable, and wash them often in hot water, drying them completely. Keep these toys off beds.
- Cover mattresses and pillows with covers that prevent the passage of dust (allergen impermeable) having a closure.
Skin flakes emerging from domestic animals, urine and saliva may trigger asthma.
Learn more at www.epa.gov/asthma/pets.html
- Consider keeping pets out of the house or finding a new home if necessary.
- Keep your pets all the time outside the bedroom or any other area that is used for sleeping and keep the doors shut.
- Keep pets off the furniture with tapestry fabric, carpets and stuffed toys.
Mold grows in damp places or materials. The key to mold control is moisture control. If mold is a problem in your home, clean and remove excess water or moisture. Reducing moisture also helps reduce other factors that cause asthma, such as cockroaches.
- Wash mold off hard surfaces and dry completely. Absorbents, such as tile roofs and carpets, if they rust, should probably be removed or replaced materials.
- Make any water leaks in the pipes and pipes and other sources of water supply.
- Keep drip pans in your refrigerator, air conditioner and dehumidifier environments, clean and dry.
- Use exhaust fans or open windows hold while cooking or when using the dishwasher.
- Use exhaust fans in the bathrooms while showering.
- Place the exhaust in a clothes dryer to the outside.
- Keep the humidity inside the house at a low level, 30 to 50 percent relative humidity. Humidity levels can be measured by hygrometers which can be purchased at hardware stores.
Droppings or excretions of cockroaches can trigger asthma.
If sprays are used:
- Do not leave food or garbage out environmental exposure.
- Store food in tightly sealed containers.
- Clean all food waste or spilled liquids immediately.
- First try to control cockroaches using poison baits, boric acid or traps before using pesticide sprays.
- Limit yourself to use only in infested areas.
- Carefully follow the instructions found on product labels.
- Ensure that enough fresh air when you spray and keep the person with asthma out of the home.
Preventing asthma attacks
. To make an asthma action plan, tips on how to manage asthma and get a copy of the popular activity book "Dusty the Goldfish".
- Step 1: Talk to your doctor about your child´s asthma. If your child has asthma or you think your child has this disease, take your child to a doctor.The doctor will work with you to ensure that your child has an asthma attack.
- Learn what causes asthma in your child.
- Identify your asthma triggers in your home are.
- Learn how to rid your home the factors that cause asthma.
- Know what your child should take medication.
- Step 2: Make a plan. Ask your doctor to help you create an individual action plan to control your child´s asthma. Work with your doctor to create a plan of action to help you learn how to prevent asthma attacks your child regularly.
- Step 3 - Make your home resistant asthma. The factors that cause asthma are part of our daily lives. Asthma attacks can be caused by mold growing on the shower curtain in the bathroom, dust mites living in blankets or blankets, the pillows and stuffed toys of your child. Learn more about the things that can cause an asthma attack and what you can do to eliminate them and keep your child healthy.
Tools Program Indoor Air Quality for Schools
EPA has developed a program of Air Quality Tools for Schools Interior to reduce exposure to environmental contaminants in them through the voluntary adoption of practices to manage indoor air quality.
The "program IAQ Tools for Schools
"is a detailed to help maintain a healthy environment in school buildings by identifying, correcting and preventing problems of air quality resource.Poor indoor air quality in schools can affect the comfort and health of students and staff, which in turn can affect concentration, attendance, and student performance. In addition, if the school takes to react promptly as poor air quality, students and staff are at increased risk of health problems in the short term, such as fatigue and nausea, as well as problems long-term health such as asthma. Read more about it and download or order a kit action " IAQ Tools for Schools ".
A new brand of smartphones defy Samsung and Apple
We know that Samsung is the largest manufacturer in the world of smart phones, and Apple is number two. But, do you have any idea who is the third largest is?
¿Lenovo? ¿LG? Nokia nosing? ¿Sony? No, no, no and no. It is a Chinese company called Xiaomi.
If you´ve never heard of Xiaomi, you can soon do it.
Xiaomi raised 1,100 million dollars in funding from some of the most powerful players in the high tech industry. That gives the company a value of $ 45,000 million - larger than LG, Motorola and Sony together. Xiaomi is now the new world´s most valuable company, even more than Uber, Airbnb and Pinterest.
Xiaomi is also the smartphone maker´s fastest growing company. Its sales soared 211% to more than 17 million smartphones in the third quarter of 2014 - a little less than half the number of iPhones that Apple sold, according to IDC.
Xiaomi participation in the market more than doubled to just over 5%. A year ago, was only 2% of the market.
The smartphone maker in China rose so fast with that focused on China and some nearby high-growth countries. Xiaomi is now the number two brand smartphones in China (behind only Samsung), and recently began selling phones in Indonesia, Mexico, Russia, Thailand and Turkey.
Xiaomi arrived in growth markets by storm, offering super low price phones online sales only. The magnificent smartphone E4 company debuted in August, designed to be at home the iPhone killer. Its design almost exactly like the iPhone, helps.
The company has a unique business model: not even about making money with their phones $ 130, which sells at cost. Most of the proceeds from the sale of accessories and applications.
Xiaomi also has a knack for marketing, advertising campaigns have attracted a massive group of very loyal fans in China.
"We will strive to continually bring innovation to everyone, with a goal of producing high-quality, high-performance devices with great user experience," said Bin Lin, founder of Xiaomi, in a Facebook message Monday . "In January 2015, we will launch our next flagship device".
The big question for Xiaomi is whether it can grow beyond the countries where it already sells phones. For example, could Xiaomi shake the US smartphone market, which is dominated by Samsung and Apple?
Chinese manufacturers of smartphones have not exactly been welcome in the United States. None of the major national competitors Xiaomi -Lenovo, Yulong and Huawei- have made no progress in America.
For most of the past decade, Nokia was the world leader in sales of cell phones without a significant presence in the United States. LG, Sony and many others have found international success, but failed to gain traction on US soil.
Xiaomi has no plans to sell phones in the United States. But when that day comes, he will face his greatest challenge.
David Goldman , CNNMoney