Health Benefit Options For Freelancers And Independent Consultants

Freelance workers, independent consultants and independent contractors enjoy many advantages. Their schedules are flexible, they set their own agenda, and with a little planning, they can take extended time off. However, while these benefits can improve quality of life, there are other benefits that these workers do not receive, such as health insurance. Finding health insurance as a freelancer or independent consultant is one of the most challenging aspects of being a sole proprietor. A variety of insurance options are available to these workers, however finding a plan that the worker qualifies for and can afford is the difficult part. Of the many choices in insurance available, independent contractors and independent consultants may be surprised once they start shopping that some are unavailable to them, some are too expensive, and others offer poor or unnecessary coverage. By the time these workers narrow down the choices to the affordable insurers that will accept them, the list may be very short indeed.

Group Insurance

Group insurance coverage is undoubtedly the best insurance plan overall. In a group plan there is no need to qualify, no medical exams, no health questions to answer and the rates are the same for everyone and do not raise with claims. That being said, if you are self-employed, group health insurance is very difficult to find. Group health insurance is typically provided by employers, and, since an independent contractor works for themselves, there is no employer. If your spouse is employed, you have recently been employed and qualify for COBRA, or you can get your employment covered under an umbrella company, it may be possible to receive group coverage. If you can qualify for group insurance, you will probably find it to be the most affordable and most inclusive of the insurance options that you find.

Insurance through an Association or Chamber of Commerce

In their effort to ease the financial hardships for sole proprietors, many professional organizations and local chambers of commerce offer insurance to their members. These policies are not true group policies, but pooled risk policies. A pooled risk policy can still be affordable, particularly if you are young, have no serious medical conditions, and have low risk of an accident. Because you generally receive an individual insurance premium rate, members with pre-existing conditions or those in poor health may find that they pay a higher rate. Also, unlike in a group plan, your rate can, and will, change as a result of claims. Even those in good health that are in a pooled risk policy will usually pay more for coverage than someone with group coverage, but, overall, the insurance choices provided by professional organizations can be a good choice for self-employed workers.

Coverage through the State

Some states offer medical insurance benefits programs. In many cases, health insurance that is offered through your state is not a great choice. While each state offers its own plan and they vary widely, a state plan does not typically cover the full spectrum of preventative care and may be very limited with regard to prescription coverage. Coverage through the state is sometimes called catastrophic coverage, intended to prevent financial ruin if a self employed worker becomes seriously ill or injured. State coverage may also have income limits (intended for lower income individuals) or other qualifying factors. State coverage can be an option to explore, but you should also make sure that you have money in your savings to cover routine preventative office visits, the cost of medications, and reserve funds in case you need to come up with partial payments for something more serious.

Individual Coverage

Buying an insurance plan directly from the insurance company is an expensive way to get health coverage. If you have pre-existing conditions or are in poor health it may be impossible to find a company that will cover you affordably. Individual coverage is typically the last choice for independent contractors and freelancers because of the expense, the limits, and the aggravation of attempting to secure this type of coverage.

Getting the Coverage That You Want

Group health insurance is, hands down, the best all-around choice. Qualifying for a group plan as a self employed individual can be tricky, but there are ways to do it. The benefit is affordable coverage and the knowledge that you can protect your health and wellbeing affordably. If you cannot qualify for group insurance through your spouse or COBRA, and you are working as an independent consultant or freelancer, your best choice may be to get benefits coverage through employment by an umbrella company or “employer of record”. An umbrella company often offers benefits to their employees, such as insurance. The work you perform is not for the umbrella company however, it is for your existing clients. The umbrella company invoices the clients, and pays you. This allows your client to be free of maintaining your paperwork, while allowing you to receive benefits from the umbrella company.

Umbrella firms commonly employ only “white collar” professionals, so if you are an independent contractor in trucking, construction, or other more labor-oriented industries, then an umbrella firm may not be right for you. Also, it is important to ask many questions about the insurance and benefits provided by any umbrella firm. Many umbrella firms offer complete insurance packages that include health, life and disability coverage with a true group program. Other firms offer “group discount” health plans that may not be truly corporate group health. Find out who the insurance company is, and ask lots of questions to be sure – if you can get a cost estimate of the insurance premiums right away, then that can indicate a real group program, as everyone in a group program will have the same rates. If you have to give personal health information such as age or health conditions to get a rate quote, then chances are, the plan is not truly a group plan. While getting benefits through an umbrella firm is a good deal for many individuals who are a good fit for that kind of program, for those who only want health insurance, it may not be the best choice because these companies are not only providing health benefits, but a full suite of employer of record services.

For any independent consultant or freelancer, it is important to protect your physical and financial well being by having solid health insurance coverage. Even a short amount of time away from work due to an unforeseen health problem could be very damaging to a “company of one” – not to mention sky high medical costs if youre uninsured and the unthinkable happens. If youre working solo, make sure you have great coverage. Shop around, ask questions, and compare your options. Always look for a true corporate group health plan, – whether through a spouse, through COBRA coverage, or through an employer of record, as this is the safest and most stable option for great benefits protection.

The Mystery Of Chia Seeds Health Benefits For Athletes

Chia seeds and barefoot running are connected in an unusual way.

Firstly, both of these have got health benefits that were identified and taken advantage of by original peoples in ancient times and in the present day.

What’s more, the two may be linked. Barefoot runners just about everywhere count on chia seeds’ health benefits to give them the energy, stamina, and vitality they need.

Author and barefoot runner Christopher McDougall examines this topic in his book Born to Run.

According to McDougall, people of the Tarahumara tribe enhance their capacity to run by consuming chia seeds consistently.

Did you ever think to yourself, “I’m positive I’d be a great athlete if I only had better shoes?”

It’s hard to keep thinking that when you know about the Tarahumara.

The home of the Tarahumara tribe is Copper Canyons, a remote area deep in the Mexican state of Chihuahua. These tribal people are able to run incredible distances without exhibiting symptoms of low energy or overtiredness.

And they do it without training agendas, running coaches, elaborate running shoes, heart monitors, or any of the gadgets that runners in industrialized countries take for granted.

Thanks to McDougall’s book, the Tarahumara have gained celebrity as super-athletes.

But their athletic superpowers are not fully innate, nor are they out of reach for regular folks like you and me. The Tarahumara consume chia seeds, a fantastic superfood that you can conveniently enjoy in the comfort of your home.

You can consume chia seeds raw, bake with them, or stir them into soups and stews. There’s pretty much nothing you can’t add chia to. Its neutral, mild flavor means you don’t even notice it most of the time.

Why is chia so marvelous for runners and other athletes? Here are just a few of the chia seeds’ health benefits:

Omega 3 (ALA)

Chia contains the highest levels of omega 3 of any plant-based food. Omega 3 is specially crucial for a strong heart, and can decrease cholesterol. Chia seeds yield 25-30% extractable oil, mainly ?-linolenic acid (ALA).

Dietary Fiber

Chia is made up of 36% fiber. Taking soluble fiber can decrease cholesterol in the body. The dietary fiber in chia is mostly soluble with high molecular weight.

Antioxidants

Chia contains high levels of antioxidants. A diet rich in antioxidants helps to neutralise free radicals in the body, which supports heart health.

Protein

Chia seeds contain about 20% protein.

Gluten-Free

Chia seeds contain no gluten, so they’re a great choice for people with gluten allergies.

Chia has many more health benefits, but these are the main ones. You can have an understanding of why runners and other athletes could like to ingest chia! In ancient times, Mayans and Aztecs could run extensive distances through mountainous landscape with only a few spoonfuls of chia as provisions.

Try consuming chia next time you go for a run or do any exercise. You will be impressed at the amount of energy and vitality you have!

Major Details For Public Health – An A-z

There are a number of perks of solid waste management and using it could control vermin that otherwise could spread dangerous diseases. One can eliminate habitats for rats along with insects by getting rid of residential and business waste. These rodents and insects can create health threats, and wastes are the generator of these insects. One of the most appealing benefits of waste management is that it leaves out the needs of burying or burning the waste that could induce health dangers to those living close-by to the area. Solid waste management is thought about as the excellent ways to reuse the waste and convert it into some helpful product.

Industrial waste administration is another popular waste management technique where all sort of wastes are done away with so as to decrease public health threats be it a solid waste or liquid waste. Industrial waste management is likewise required so about keep the neighboring setting air pollution complimentary and protected for the citizens. One could see several poisonous waste dumps in the industrial location where industrial waste administration is ignored or is not complied with appropriately. The inhabitants in these areas could deal with major health and wellness threats such as asthma.

One of the most unfortunate realities is that most of the effective industries neglect the requirement of proper industrial waste management. You could really feel endangered by knowing that these irresponsible markets never ever look after the regulations produced industrial waste administration and are still making big revenues. All of us are equally responsible for waste administration in our nearby locations and we must issue the neighborhood authorities in situation we discover some waste in our bordering location. Reusing the waste has come to be necessary in today times when environmental pollution is continuously on rise. House and also industrial waste is triggering risk to our priceless environment and so we must initiate for waste administration. There are sites which provide latest news associated with recycling waste market and their services.

TrashinME absolutely assists you to take out any sort of waste like liquid waste, combined waste, Animal waste, Unique waste, Hazardous waste, unsafe waste, etc. And it really assists for those that would like to eliminate anything, from aged family furniture to project particles, and is the most wanted site for the Trash hauling firms.

Health, Beauty, And Green Teas

Do you love to indulge your senses with a cup of tea the first thing in the morning? Treat yourself with a cup of green tea to feel refreshed and rejuvenated. Green teas are known to be one of the best natural blends that offer remarkable health benefits. You can also stay beautiful for long. But, what so special about green teas? Following are some of the benefits of drinking it:

Health benefits

1. Anti-oxidants that protect the cells of your body and remove malignant cells (without creating adverse side-effects) are present in large amount. It is also the store house of Epigallocatechin gallate – the anti oxidant that is twice as effective as Resveratol that is present in red wine.

2. Recently, a Japanese research has proved that green teas if consumed on an average of 5 times per day regularly can help you to reduce your weight by 70 calories per day! So, if you are on a weight-loss diet, include this beverage to your meals.

3. This beverage is also effective in lowering LDL and raising HDL i.e. it reduces bad cholesterol content and increases the amount of good cholesterol in the body.

4. Such a product is generally rich in polysaccharides and polyphenols. Such substances lower blood pressure and sugar level in the body. It has been proved to prevent Type 2 Diabetes.

5. It is also known for retarding arthritis, and conditions like Parkinson’s and Alzhemier’s. That is why it is recommended for people of all ages. It being an anti-bacterial agent can also prevent HIV viruses from getting bound to healthy cells of the body!

6. Beauty benefits

7. Green teas also help in flushing out the toxins thereby, gives you fresh, glowing skin. It has also been found effective against premature skin wrinkles and blemishes. It is also effective solution to cure skin acne, psoriasis, rosacea, and warts.

8. Flaveboids and polyphenols in the teas also increase immunity and relieve from allergy. Such anti oxidants have the capacity to suppress allergy causing receptors within your system. So, you can avoid ugly marks left by skin allergies.

9. Large amount of fluoride present in green teas prevent cavities. The polyphenols present in the product also acts against the enzymes of the streptococcus bacteria, which stimulation of dental plaque.

Today, you will be able to find loads of stores that sell green tea. However, there are certain criteria for buying green teas, which you might not be aware of. For example, you should check whether the product you are buying contains at least 40% of raw tea leaves. So, when it comes to buying green teas, it is better to buy the best brands in the market.

Steps To Undergo On Diploma Of Occupational Health And Safety

Moving forward in a career takes one step at any given time and one of the best techniques to apply is not only to get leaps and higher positions in the company you’re working in but also to own more qualifications. One of the careers that are in-demand nowadays is being a qualified occupational health and safety professional. Thus, a Diploma of Occupational Health and Safety should be obtained as a way to get this knowledge and experience in protecting the health and safety of people in every industry.

What’s Inside Diploma of Occupational Health and Safety? This course is being nationally branded and coded as Advanced Diploma OHS (BSB60607), Diploma HS (BSB51307) and Certificate IV OHS (BSB41407). The degree of study associated is vocational and thus can be started at anytime. Nonetheless to register, many Registered Training Organizations call for eligibility or qualification before getting into this level. For example, Certificate IV in Occupational Health and Safety should be acquired when looking for a relevant diploma course. Simultaneously, Diploma of Occupational Health and Safety undergoes two pieces of assessment including activities with answering of short questions and essay typed assignments. Study materials however will be provided.

Once the eligibility has been proven, taking the course comprises of 8 units which can be selected and can be brought in from another qualification. Activities associated are to: take part in the coordination and maintenance of a systematic approach to managing (BSBOHS501B), engage in the management of the OHS information and data system (BSBOHS502B), help out with the design and development of OHS participative arrangements (BSBOHS503B), apply concepts of OHS risk management (BSBOHS504B), manage hazards in the work environment (BSBOHS505B), monitor and assist in the control over hazards involving plant (BSBOHS506B), facilitate the use of principles of occupational health to control OHS risk (BSBOHS507B) and take part in the investigation of incidents (BSBOHS508B).

Benefits of Taking Diploma of OH & S: Diploma of Occupational Health and Safety qualification helps individuals to be more credible for their employers’ needs and thus can entitle positions for OH & S specialists as: Occupational health and safety advisor, auditor, manager, officer, trainers and accessors as well as senior advisor for OHS and Risk Management. These aren’t limited to just a few positions as increasing numbers of Australian companies do require this type of responsibility to prevent injuries in the workplace, work-related deaths, etc. For instance, it’s been noted that workplace injuries take place every 2.4 seconds having 1 in 12 workers getting seriously harmed. With these injuries, over 2,500 work-related deaths are noted annually.

Indeed, getting this will help reduce the hazards in the workplace as someone could now be looking over the employees and handling them to familiarize with risk management while getting things done at work. Health and safety is absolutely big factor to sustain workers so with proper attention, they can keep themselves safe and protected in the workplace.