Disability insurance

Nobody likes to go to the doctor, especially when they aren't sick. But preventative healthcare is a huge piece of the long, healthy, and happy life puzzle. Annual wellness exams often include a general screening, vitals check, labs, and maintenance for chronic health conditions. In fact, it isn't uncommon that these annual exams identify early-stage diseases like cancer, concerning blood pressure and cholesterol levels, thyroid dysfunction, and a host of other common deficiencies and abnormalities. And, since the Affordable Care Act (ACA) mandated 100 percent coverage for preventative care, there's no excuse for missing your annual physical.
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According to the World Health Organization, falls are the second leading cause of accidental injury deaths worldwide. Falling disproportionately impacts adults age 65 and older, and can lead to serious injury, further health problems, decreased quality of life, and a loss of independence.
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Written about frequently in medical journals, Alzheimer's disease is one that's been widely studied, but is still an anomaly to many scientists. Since, June is Alzheimer's Awareness Month, it's a good time to look at what we do know, along with things one can do to prevent it.

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Millions of Americans need ongoing treatment for chronic pain. Despite recent headlines shouting about the over-prescription of opioids, many studies show that chronic pain is often underdiagnosed and under-treated. September is Chronic Pain Awareness Month, which means that organizations and individuals are working together to raise awareness about the realities of living with chronic pain and to advocate for more effective diagnosis and treatment.
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Everyone is entitled to a safe and healthy work environment: your employer is required by law to provide a safe workplace, adequate training in a language you understand, and appropriate safety equipment, among other things. If you are injured on the job or have a safety concern, it's your right to file a report and to be free from retaliation by your employer for speaking up. Read on to find out all about OSHA and how to exercise your right to health and safety at work.
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Did you know that heart disease is the number one killer of both men and women in Macomb County and the United States? Yet few people take the time to understand their own personal risk factors and take the steps necessary to reduce them. In honor of Valentine's Day, let's talk heart!

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If You Live In White Lake Michigan And Own A Snowmobile See Schoen Insurance For Your Insurance and Head ToISHPEMING

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A study published just last month explains that it isn't merely a lack of physical exercise that leads to poor cardiovascular health. It turns out that the very act of sitting is also hard on the heart, even in a person who exercises.
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Business owners can reap significant financial rewards by fostering a culture of health among employees at their workplaces. A recent study of PPG Industries, a large, Pennsylvania-based company founded in 1883, was published in the Journal of Occupational and Environmental Medicine. The study showed that employee health costs were reduced after the company implemented a program designed to inspire employees to become actively involved improving their health. The company adopted new policies and created an environment that was tailored to encouraging employees' positive health behaviors. Particular emphasis was placed on prevention and modification of risk factors for cardiovascular disease. Even if your business is a fraction of the size of PPG Industries, you might consider echoing their effort to create a culture of health among your employees. Who knows, you could save more than money; you may even save (or at least enhance) a few lives!
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Snow shoveling is not for the faint of heart-literally. According to Dr. Thomas Esposito of Loyola University's Stritch School of Medicine, an average of 11,500 people visit U.S. emergency rooms each year for mishaps resultant from snow shoveling. Heart attacks, broken bones, and back injuries are just a few common consequences of shoveling sessions gone wrong. Bumps, blisters, sprains, and lacerations are also oft-cited injuries. And then there are the fatalities! Who knew this everyday wintertime chore could pose such danger?
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Just imagine this scenario: You're driving to work early one morning, and you stop at a red light in Highland. The driver behind you still has sleep in his eyes, and doesn't hit his brakes in time. He crashes into the back end of your car, not too hard, but hard enough to raise some concern, and maybe even a curse word or two. You both get out of your vehicles and when you check your rear bumper for damage and see not even a scratch, you shake hands, get back in your cars, and finish the drive to work.
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Sometimes, what appears to be an impenetrably solid roof above your head actually has little openings through which the rain can leak. The same is true of some car insurance and homeowner's insurance policies; they can appear to provide sufficient coverage, but, in the event of an accident of some sort, you may find yourself drowning in debt. To avoid getting soaked by surprising expenses, use an umbrella; umbrella insurance, that is.
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For a long time, most devoted exercisers have adhered to the rule that a sustained stretch of aerobic exercise-one that kept your heart pounding for at least 10 minutes-was what garnered the desired results: a healthy weight and a fit body, not to mention less money shelled out on health insurance co-payments!
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Who doesn’t love a vacation? At Schoen Insurance Agency, Inc., we have the Travel Insurance you need to feel protected on your trip. While planning that well need getaway, do not forget to insure the unpredictable.Through unanticipated travel delays, bad weather, lost luggage and medical emergencies in foreign countries, Schoen Insurance Agency, Inc. in Highland, MI 48357 can have you feeling worry free from the time to purchase your flight to the time you get home safely.
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Disability Insurance is designed to reimburse lost wages in the event of a disabling accident or illness. Different policies have different stipulations but nearly all require a waiting period before disability payments begin and will reimburse for a pre-defined percentage of your income, generally 45% - 60%. There are two broad categories, Long Term Disability (LTD) and Short Term Disability (STD). Premiums and waiting periods will differ between the two types along short term and long term category lines.

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