How much water do you drink on an average day? If you’re like most Americans, you probably consume more water daily than you realize -- but it still might not be enough to keep your body in tip-top shape.
We’ve thrown together a quick list of reasons why you should be drinking more water during the day:
Water keeps your kidneys healthy
March is National Kidney Month, and even though this month is ending, the topic of kidney disease is still on our minds. It’s something that you should be thinking about, too! Water naturally flushes toxins out of your system and it helps your kidneys function properly. This, in turn, reduces your risk of developing UTIs (urinary tract infections) and kidney stones.
Water helps keep things “regular”
Water is an essential part of the digestion process. When your body is dehydrated, you’re more likely to experience indigestion, constipation, and bloating. (You should always consult your doctor ASAP if you’re having a serious digestive problem, though.)
Your skin will start to look much better
Hydration is key when it comes to the health of your skin. All the expensive lotions and creams in the world won’t help much if your body is too dehydrated! Drinking more water will help your skin stay clear and healthy because more toxins will be flushed out, and it will also reduce dryness and wrinkling.
Water can help suppress your appetite and will help with weight loss
When you feel thirsty, you might find yourself reaching for a glass of soda or a sports drink. These drinks actually make your body more dehydrated than before, and you’re even less able to break down all the calories from so much sugar. Water is a natural appetite suppressant and it also helps the body break down and process calories. It’s always a better option than sugary drinks!
You’ll feel more energized
Well over 50% of your body is comprised of water, so it just makes sense that you’ll feel sluggish -- both physically and mentally -- when you’re dehydrated.
Medicare is an amazing program, covering preventative costs, emergency visits, short-term care needs and more. According to the Kaiser Family Foundation in 2013, 6 in 10 Americans believe the program is working well, with 8 in 10 seniors giving it a positive review.
Despite its popularity, however, Medicare does not offer exhaustive coverage. Gaps exist in areas like traveling abroad and prescription drug coverage.
In order to rectify these short-fallings in essential health benefits, several Medicare Supplement insurance plans, or Medigap insurance, exist to help.
Below are reasons you may want to consider Medigap insurance:
If You Have Cancer
Cancer is a very difficult disease. It is especially difficult on the finances of the family. With Original Medicare, most of your inpatient and certain outpatient procedures may be covered; however, you may still experience a hefty co-payment on many necessary procedures.
Medigap insurance can help alleviate some of that burden, covering some of your co-pays and allowing you more options for the sort of medical attention you want.
If You Plan To Travel Abroad
For many seniors, retirement is the reward for a life of working and contributing to society. The so-called golden years are your chance to focus on your loved ones, see the world, pursue a passion, or generally relax. That said, if you do plan on seeing the world, it is important to know that your Medicare will not cover many medical expenses abroad.
The six standard plans that offer coverage for emergency care while traveling abroad are: Plans C, D, F, G, M, and N. These plans will ensure that you are covered in the case of an extreme emergency, but you still must plan ahead for your prescriptions.
Medicare Supplement options can go a long way to ease the burden of certain medical conditions and broaden your coverage but they are by no means the end all be all in managing health care expenses. Talk to your insurance agent to see what programs might be best for you.
Disclaimer: Neither Bankers Fidelity Life Insurance Company® nor its Medicare Supplement policies are affiliated with or endorsed by the U.S. Government, the federal Medicare program, or the Centers for Medicare and Medicaid Services. This is a solicitation of Medicare Supplement insurance and an independent agent may call on you.
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One of the first things you learn to do when you are older is to worry. Whether you are a single adult or a happy parent of three, there are several things that will perpetually come across your mind. What will happen to your kids if they are not safe? What would you do if a financial crisis were to happen? In most of these situations, there are no tangible solutions. The only things you can purchase to clear your mind from such thoughts are policies that will protect you or your family in case an emergency does arise. No material luxuries can lessen your worries like life insurance can.
Recently, Life Happens and LIRMA partnered to conduct a study that showed, “Cost is the reason most Americans give for not owning life insurance.” It’s unfortunately a big misconception, because that statistic was provided by young adults who overestimated the cost of life-insurance. Millennials (15-35 year olds) assumed policies were more expensive by 213% while GenX (35-55 year old) exceeded the price by 119%.
The study required both generations to guess the cost of a 20-year, $250,000 level term-life insurance for a healthy 30 year-old. Eight in ten participants estimated the annual cost for life insurance to be approximately $400, with some estimating as much as $1,000. On average, the annual cost is about $160 a year, or $13 a month.
Life Happens and LIRMA’s study shows that a lot of people have the wrong perception of the actual cost of life-insurance. To help put things into perspective, here are several items you most likely purchase that are more costly than paying several months of a life-insurance premium.
Your TV – The new 55” LED TV looks amazing in your living room, but the $800 you spent could have covered approximately five years of an average life-insurance policy. In the long-term, a life-insurance policy can benefit you much more than reality entertainment.
Your iPad – On average, an iPad costs around $550, the equivalent of 3.5 years of life-insurance coverage.
Clothes – It’s hard to avoid designer clothing fresh off the runway. However, instead of picking up that irresistible $200 cocktail dress or suit, you could cover yourself with a policy for almost two years.
Remember, the average premium life insurance plan is about $13, so do the math before making any impulse purchases and see if that is really where you should be putting your money. Life-insurance is more affordable than most people think and an investment that should be considered more often at any age.
Are Millennials Buying Life Insurance?
Stress is one of those things that never seems to be in short supply. In some cases, stress can actually be really good for you: many people believe that they do their best work and most creative work when they're on a deadline, while others find that increased pressure motivates them to accomplish more than they ever thought possible.
But it's time to recognize that stress has some very serious downsides, both mentally and physically. April is National Stress Awareness Month, so our team at Bankers Fidelity figured it would be the perfect time to look at how stress affects our lives in ways that we don't always realize.
For many Americans, stress seems to be a natural part of our daily lives. Technology has allowed our world to become more connected than ever before -- which does have some serious advantages -- but this connectivity has made it more difficult to relax and focus on what's happening right now. It's no coincidence that the three days Americans report feeling the happiest are the three days when it's "acceptable" to relax with friends and family: Thanksgiving, Christmas, and the 4th of July.
The Baby Boomer generation is especially susceptible to feeling stressed out, overwhelmed, or disappointed. More individuals in this group are starting to retire, and in theory, this means finally being able to relax. In practice, it often leads to more stress.
Baby Boomers have the highest rates of depression in the U.S., and half of all Baby Boomers have said that they had to (or will have to) delay retirement in order to keep earning money. More than half of all seniors have said that they plan on getting a new job after they retire not because they want to stay busy, but because they need the income.
The physical effects of prolonged increased stress levels are enough to derail even the most stable person. One-third of all adults around the age of 65 say that they're stressed out because they don't feel good about their physical appearance, and stress is definitely a factor. Many people stop exercising and begin eating more unhealthy foods. The immune system weakens while blood pressure increases, increasing the risk of developing cardiovascular problems. Insomnia can kick in, and when you don't get enough sleep at night it just makes everything worse in general.
Taking the time to de-stress can seem selfish or superfluous at first, but April is the perfect month to give it a shot. You might just be surprised by how much better you feel when you start taking proper care of yourself. Life is hard enough as it is -- you deserve to take some time off!
At Bankers Fidelity, we believe that it's important to talk about the real impacts of stress, especially because April is Stress Awareness Month! As many of our clients know all too well, the consequences of mental and emotional stress can really take a toll on your overall physical health. Our organization is proud to be more than just your average short term care insurance and Medicare insurance company. We want to give our readers as many resources as possible to start living happy and healthy lives. Make sure to set aside some time this April to work on de-stressing, and also make sure to share your stress relief tips with us in the comments section below!
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Understanding Medicare Supplement
Neither Bankers Fidelity Life Insurance Company® nor its Medicare Supplement policies are affiliated with or endorsed by the U.S. Government, the federal Medicare program, or the Centers for Medicare and Medicaid Services. This is a solicitation of Medicare Supplement insurance and an independent agent may call on you. The Medicare Supplement products issued by the Company are insurance policies. Policy form series B 21092 is issued by Bankers Fidelity Life Insurance Company®, Atlanta, GA; policy form series B 21492 is issued by Bankers Fidelity Assurance CompanyTM, Atlanta, GA. Limitations and exclusions apply; actual policy provisions control. Rates subject to change on a class basis. Individually underwritten; application to determine eligibility required.
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