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Attending to your oral health care needs can help to promote your overall health.
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Numerous studies link good oral health to a decreased risk of health problems such as heart disease, diabetes and pre-term labor. |
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Checkups and cleanings may save you from costly dental work in the future. Many Dental plans cover 100% of the cost of reventive care. |
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Visiting a dental provider who participates in your plan's network (in-network) can help to minimize out-of-pocket costs.
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If you were unable to work due to illness or injury, how would you pay your bills? Like most Americans, you would probably rely on your workers compensation or disability insurance. So please take a minute to think about the following:
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Workers comp only provides income if you suffer a job-related injury or illness. Disability insurance covers non-job-related injuries and illnesses – such as heart disease, arthritis and accidents in the home – should they prevent you from working.
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If your company offers disability insurance, a medical exam is typically not needed to enroll.
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If your company pays for your basic disability insurance, any income benefit you receive will be taxable.To ensure that you will have enough money to meet your financial needs, you may want to supplement an employer-paid policy with additional coverage.
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Ask your employer about any money-saving opportunities that might be available to you.
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From discounts on transportation to savings on goods and services, such as home office supplies, savings can really add up.
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If your company offers a Flexible Spending Account (FSA) option, please take advantage of it. With an FSA, you can pay for eligible health care expenses using pre-tax dollars, a proven and popular money-saving strategy.
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Few things in life are more important than your health. To maximize and protect it – for your own sake and the sake of your dependents – try to make these simple steps a regular part of your life:
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Take an active role in maintaining your health through regular exercise, healthful eating and preventive medical checkups. |
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Monitor any conditions you may have, and proactively seek out information and advice to help you manage symptoms. |
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If you can, participate in a formal wellness program, which provides the inspiration and tools you’ll need to reach your goals – including better health, increased energy and a longer, happier life.
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The health of your eyes is an indicator of your overall health. So vision care should be one of your top health care priorities.
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It’s important to have annual eye exams to detect diseases like glaucoma, diabetes and blindness.
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Eye exams are especially important for children, since good vision is closely linked to school performance.
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If you wear or plan to wear contacts, be sure to say so when scheduling eye exams.Your doctor will need extra time to do tests for a contact lens fitting.
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Better Information Leads to Better Choices.
At Guardian, we maintain a strong commitment to enriching the lives of the people we touch®. In fact, our benefits are just the beginning. We are committed to providing industry-leading service and support to ensure that every customer is satisfied and prepared to make the best possible decisions about their lives, their finances and their benefits. These Health and Wealth Tips are part of that effort.We sincerely hope that they will be of value to you and your loved ones.
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Invest time reviewing your options
Sure you’re busy, but take a moment to protect yourself and your family. Be familiar with your employee benefits before you actually have to use them.
Consider life changes
Have you gotten married, divorced, had a child, bought a home? Make sure to update your benefits so your protection needs keep up with your lifestyle.
Don’t just accept default plans
You may feel you know what’s offered but, like your lifestyle, options change from year to year. Make sure to review this year’s options and then make your choices.
Attend informational meetings
Employee benefits workshops are a great way to get your questions answered.
It’s less work for you.
Your employer has done the legwork of finding a quality plan. Plus, payments are convenient through automatic payroll deduction.
It’s affordable.
Group rates enable you to buy coverage at a lesser cost than outside your workplace. For example, life and disability insurance can be less than what you spend on coffee each month!
It’s easy to enroll.
Typically, you don't need a medical exam to enroll in coverage through your workplace.
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