WATERTOWN TENNESSEE
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Latest News - WATERTOWN TENNESSEE

Two tornadoes confirmed in Middle Tennessee


30 p.m. Officials said a confirmed tornado was spotted about two miles north of Watertown. Crews were on scene to determine how much damage the storm caused. Flooding was the main issues in many areas around Tennessee with a Flood Warning released Thursday ...

NWS confirms at least 1 tornado in Wilson County


The tornado was observed three miles north of Watertown and 10 miles east of Lebanon heading northeast at 15 miles per hour. Wilson County Sheriff Robert Bryan told News 2 trees are down in a few areas, including around South Commerce and Roberts roads ...

Fire still burning after hazardous rail spill in Tennessee


Associated Press writers Adrian Sainz in Memphis, Tennessee, and Rebecca Yonker in Louisville ...
Authorities say a man's body has been found inside a well on his property in Watertown. Authorities say a man looking for his missing brother found his ...

Tennessee Baseball Coaches Association all-state teams


Alex Brewer (Forrest), Bryce Giles (Summertown), Chandler Adkins (Knoxville Grace), Cade Evans (Boyd-Buchanan), Tyler Reed (South Pittsburg), Seth Price (Watertown), Hunter Hudson (Peabody), Tanner Sexton (Oneida), Justin Moore (Oakdale), Laderrick Means ...

Irene B. Mollenhour, 68, of Watertown


Irene's true love was her 3 grandchildren. Born January 10, 1947 in Sweetwater, TN. She was a daughter of Wallace and Mary Josephine Whitman Sr. She married Grady Mollenhour February 14, 2001 in Watertown, NY. Surviving besides her husband, Grady ...

Supreme Court extends gay marriage nationwide


The cases before the court involved laws from Kentucky, Michigan, Ohio and Tennessee that define marriage as the union of a man and a woman. Those states have not allowed same-sex couples to marry within their borders and they also have refused to ...

Marie E. Sixbury


Watertown, and Tammy Smith, Philadelphia; six great grandchildren; four sisters, Mildred Hayden, Gouverneur, Jane Currier, Philadelphia, Freida Kent, Philadelphia, and Janet Vick, Tennessee; a sister-in-law, Nita Washburn, California; numerous nieces ...

Supreme Court Rules in Favor of Gay Marriage


The case before the justices – Obergefell v. Hodges, a consolidation of cases in Michigan, Ohio, Kentucky and Tennessee – pitted states’ rights against individuals’ right to marry, and traditional marriage against more modern iterations of the union.

Fort Drum, north country residents gather for Mountainfest events (VIDEO)


The general, who led the post from March 1999 to August 2001, has a division sticker on his car. His Tennessee home is nicknamed Mountain Six. His dog’s name is Glory, short for “Climb to Glory.” “Other than that, you can expect me to stick to that ...

AROUND THE TOWN: Melissa O’Neal Bassler crowned Mrs. Tennessee


She currently lives in Watertown, TN, with her husband, Greg, and one year old daughter, Malia. She is a showroom and promotional model. Kudos are also in order to Marissa Mitchell of Cumberland County. The recent Belmont graduate performed at LP Field ...

Man found dead in Watertown well


WATERTOWN, Conn. (WTNH)– Police are investigating after a man was found dead down a well in Watertown Thursday morning. Police say at around 10:30 a.m. they responded to 264 French Street to rescue a…

Man’s body found in Watertown well, mother found alive in house


WATERTOWN – A body of a 58-year-old man was found in a well and his elderly mother was found alive in the house nearby Thursday morning. Police said it appears the man, who lived with his 80-year-old…
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SPECIAL INFORMATION FOR WATERTOWN

Make Your Health Benefits Work for You in WATERTOWN TENNESSEE

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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Tips to Prevent Data Theft in WATERTOWN TENNESSEE

Today, it’s quick and easy to get a credit card approved, transfer money from one account to another, renew your driver’s license, fill a prescription from your doctor at your local pharmacy, use store loyalty cards, and purchase products online. But you pay for this convenience by providing more opportunities for your personal information to be changed, stolen, or reported inaccurately. Companies can also use the information you have shared to direct their future marketing efforts or can sell the information to other companies. To help protect your privacy, follow these tips:

  • Look for privacy statements on websites, sales materials, and forms you fill out. If a website claims to follow a set of established voluntary standards, read the standards. Don´t assume they provide the level of privacy you want.
  • Ask how your personal information will be stored and used.
  • Only provide the purchase date, model/serial numbers, and your contact information of warranty registration forms.
  • Discuss privacy with others in your home. Everyone, even children, should understand what information is not appropriate to share on the phone, while using a computer, tablet, smart phone and in other situations.

Check with your state or local consumer agency to find out whether any state laws that help protect your privacy. Some companies and industry groups have also adopted voluntary policies that address privacy concerns.

Creating Secure Passwords

The number of passwords that you need on a daily basis can be overwhelming. It is tempting to use the same password across several sites; however to get the most protection available, you should use different passwords on each site and change your passwords periodically. The goal for creating passwords is to strike a balance between being something that is easy to remember and unique. Some general tips for creating a secure password include:

  • Use a mix of uppercase and lowercase letters, numbers, and special characters.
  • The longer password, the better it is.
  • Don’t use your name, birthday, license plate, favorite sports teams or other facts that are easily guessed.
  • Create a password based on a phrase. For example “A stitch in time saves nine” can be translated into the password “Ast!Ts9”. where each character represents a word in the phrase.
  • If you must use the same password on several websites, add a prefix or suffix. For example, use “Ast!Ts9:4bnk”for your bank account and “Eml: Ast!Ts9” for your email account.

Back to Top

Specialty Consumer Reports

Credit reports are not the only reports that you can get for free. The same law that allows you to get a free credit report each year also allows you to get a copy of specialty consumer reports. Just like Equifax, Experian, and TransUnion collect your credit information, there are other companies that collect information about your medical, insurance, rental/tenant and alternative credit histories. Landlords, insurers and other companies buy these reports to help them decide whether or not they will offer their services to you.

Just like your credit reports, you have the right to a free annual report from each specialty consumer reporting agency. Since there is no centralized place to order these reports (like there is for credit reports), you must contact each agency individually. If you are planning to rent an apartment, ask the landlord for the name of the screening company that they use and request a copy of your report in advance. Similarly if you are getting a new insurance policy, you can contact the consumer reporting agencies that collect related information. If there is a mistake on your report, you have a right to correct it.

For a list of specialty consumer agencies, visit the Consumer Financial Protection Bureau (PDF) or Privacy Rights Clearinghouse. If you need to file a complaint about a consumer reporting agency, contact the Consumer Financial Protection Bureau or the Federal Trade Commission.

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Protect Your Business in WATERTOWN TENNESSEE from Spring Weather Threats

This winter has been particularly harsh for businesses in the northeast and parts of the southern U.S., as record snowfalls and frigid temperatures forced many companies to close their doors for several days.

Many parts of the country are bracing for possible spring floods that may follow when the snow melts. Meanwhile, April through June is the peak time for tornadoes, according to the National Oceanic and Atmospheric Administration (NOAA). The Southeast, Midwest, the Gulf States and the South Central region are particularly vulnerable to these dangerous windstorms.

Now is a good time to make a plan to protect your clients, customers and your business for the threats caused by spring storms and floods. Join the U.S. Small Business Administration and Agility Recovery on Tuesday, March 10 at 2 p.m. EDT for a free webinar on best practices for mitigating spring weather risks. These preparedness tips are based on real-life recovery experiences from business owners.

The SBA has partnered with Agility to offer business continuity strategies through its “PrepareMyBusiness” website. Visit www.preparemybusiness.org to access previous webinars and for additional preparedness tips.

The SBA provides disaster recovery assistance in the form of low-interest loans to homeowners, renters, private nonprofits and businesses of all sizes. To learn more, visit www.sba.gov/disaster.

WHAT: “Preparing for Severe Spring Weather” - A presentation from Agility CEO Bob Boyd, followed by a question and answer session.

WHEN: Tuesday, March 10, 2015 from 2 –3 p.m. EDT
HOW:

Space is limited. Register at http://agil.me/springprepsba

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