Physical Health And Work Performance A Healthy Employee Enables A Healthy Work Environment

Physical health is very important in today’s work place. In today’s high end technology world it is necessary to work smart and possess great skills. There are many important jobs that require good skills and significant amount of strength to be able to perform at the high level. Physical health and work performance go hand in hand. Mental and physical health plays a very important role for an employee’s growth and productivity. It helps to improve the efficiency of the employee, leading to better performance.

Good physical health of workers helps in long-term cost benefit saving. Job performance can be predicted through physical health and physiological wellbeing. The productivity can be increased by good physical health of the workers. A company has comparatively higher percentage of educated and skilled workers, and by implementing an up-dated Industrial Safety Program, there can be a noticeable reduction in major accidents in the factory areas too.

Physical health and work performance of the employee are directly related. Healthy work environment will help in improving his productivity. It helps in giving job satisfaction to the employees. It is used to motivate the employees to work better and in safer manner i.e. work hard and play safe. It helps to reduce the expenses on medical aid. It also helps in reducing the labor turnover rate. Safety of the employees is one of the major concerns of the company.

Consequently adequate attention to the aspect of Industrial Safety and Hygiene for improving the production has been given in the last few years. As brought out earlier, it has formulated a well defined healthy environment, has constituted a safety committee and implemented measures for prevention of accidents and fire. All statutory provisions are being followed. A number of non-statutory provisions are also incorporated to improve professional environment.

In the present industrial environment most of the management of industrial organizations has realized the importance of physical health and work performance and is paying much more attention to healthy working environment than ever before. The statutory provisions made by the government, awareness of the workers and the employers about the importance and advantages of good hygiene for good and healthy working condition which has to be improved, developing healthy working conditions for the employees in the industrial organizations.

Unsafe conditions must be removed and unsafe act totally avoided. That would prevent accidents and thus ensure safety of the employees and that of the plant and machinery. There is a need for management to have a sincere and humanitarian interest in their employees. They must implement a good safety program in their factories. When top management supports good safety program on humanitarian grounds, it contributes towards increased production, lower costs and better profits. There is no doubt that companies have realized its motive of physical health and work performance being inter related by providing a safe and labour friendly environment. In fact, companies have used this as a tool or means to keep harmonious industrial relation.

Improvement in physical health aims at the promotion of the workers physical, mental and social wellbeing. It will also help to improve the physical health and work performance of the employees resulting in increased morale of the employees who are associated with the work environment.

Health Insurance Explained In Plain English – Part 1

Understanding health insurance and the health industry is much easier if you recognize some of the basic terminology and how it applies to you and your health insurance policy. If you have a health insurance plan and arent sure how it works or what the terminology means, take a few minutes to read the explanations below. Knowing these terms and what they mean to you can greatly aid you in dealing with your health care providers, insurance company, insurance agent, or during the health benefits shopping process.

Benefit Year
This is the 12-month period in which your benefits are calculated. Most insurance companies use a CALENDAR year, which is January 1 to December 31, but a few will use a 12 month period from when your policy goes into effect. For example, if your insurance goes into effect on June 1, the END of your benefit year is May 31. Make sure that you understand how your benefit year will be calculated.

Deductible
Deductible means the amount of money you must pay out of your pocket for medical expenses EACH YEAR before your health insurance begins paying out. Deductibles are usually reset to 0 at the beginning of each calendar or benefit year. Many insurance companies offer health plans that have benefits that are not subject to having to meet your deductible each year such as doctors office visits, immunizations, wellness or routine exams, etc. An easy way to remember what this term means and how it works is this:

When you have incurred medical expenses, all bills must be sent to the insurance company. When the insurance company looks at your bills, they then look at your policy and see how things are covered. They will then add up what the combined medical expenses have been for the year to date: determine what your deductible is and how much you have already paid towards meeting your deductible for the year, and pay out according to how your insurance policy says it will.

So in a nutshell, the insurance company is deducting your financial responsibility for medical expenses each year from the total combined medical expenses before they have any responsibility to pay outhence the term deductible.

Co-Pay
A co-pay is an amount that is paid by the patient to a provider at the time of service. It will either be a flat fee (like $15 or $20) or it can be a percentage of the service provided. The percentages or fee may vary depending on the type of service provided. A co-pay is different than coinsurance see next.

Coinsurance
Coinsurance is the percentage paid by the insurance company after you pay the deductible. Example: Your health insurance pays 70%, you pay 30%. The insurance company pays 70% coinsurance, you pay 30% coinsurance. Most health insurance policies will have a limit on the amount of coinsurance you have to pay out each year this is known as your Annual Coinsurance Maximum or Stop-loss.

Annual Coinsurance Maximum
After paying your deductible and after paying your coinsurance (classically 20% or 30% of medical expenses) to a certain dollar amount, your health insurance will pay 100% for the remaining costs in the calendar year. Example: After you pay your deductible, your health insurance pays 70% of medical expenses and you pay 30%. Once you reach the coinsurance maximum, you no longer pay 30% of the medical expenses because the insurance pays 100%.

Out of Pocket Maximum or Stop Loss
Stop Loss is the maximum amount of money you will have to pay out of your pocket in the benefit year.

Lifetime Maximum
This is the limit of the money the health insurance will pay out over your lifetime. Most major medical health insurance policies will be a $2 million lifetime maximum, while others will go as high as a $12 million lifetime maximum. In general, it is not recommended to have a policy with less than a $2 million lifetime maximum.

Office Visits
When you visit a doctor in their office they normally bill the health insurance company for an “office visit.” Most health insurance plans pay office visit expenses at the coinsurance (generally 70% or 80%) after the deductible. Some health insurance plans pay office visit expenses at the coinsurance rate but waive the deductible, which means you dont have to reach the deductible amount before they will cover their portion of the expense. Still other health insurance plans pay office visit expenses in full after a co-pay (usually $25 or $30). It should also be noted that office visits can be classified in two different categories. One category is usually called Routine Care, Wellness visits or Preventative care (see definition below). The other type of office visit is deemed as Medically Necessary (see definition below). Certain health insurance policies cover each of these types of visits differently and other plans do not cover them at all. If having these types of office visits covered by your health insurance policy is important to you, make sure you let your agent know so that they can help find the right plan for you.

Preventive Care
Preventive Care is classically defined as routine exams, immunizations, well child care, and cancer screenings. These include your yearly exams and checkups for things such as physicals, pap smears, mammograms, etc. Not all plans cover preventive care. It may not be a wise use of your money to have preventative care included in your plan if you never go to the doctor. A good health insurance agent can help you determine if this is necessary coverage for you.

Medically Necessary
These are the visits utilized for your smaller ailments such as colds, flu, ear infections or minor accidents. Not all plans cover medically necessary visits, so make sure you know if your policy includes these exams if you need them covered. You may consider purchasing accident insurance or adding a rider (explained below) to your policy to cover these types of issues.

Diagnostic Lab and X-Ray
These are tests involving laboratory or imaging services (such as x-ray, CAT scan, etc.) to diagnose a health problem. These services are usually paid at the coinsurance (typically 70% or 80%) after the deductible.

Chiropractic Care
When you visit a chiropractor for spinal manipulation or other services, these expenses are customarily paid at the coinsurance rate (70% or 80%) either after the deductible is met, or by waiving the deductible. Most health insurance plans limit the number of chiropractic visits/services to 10 or 12 per year especially if the deductible is waived. After this, additional visits are not paid by the health insurance plan, and you will be responsible for the full amount of the bill.

Inpatient or Outpatient Care
When you receive care from a hospital (inpatient or outpatient services), these expenses are customarily paid at the coinsurance rate (70% or 80%) after the deductible has been met.

Emergency Room
When you receive care from a hospital emergency room, these expenses are customarily paid at the coinsurance level (70% or 80%) after the deductible. Most health insurance plans also require you to pay an additional co-pay (commonly $75-$100) for each emergency room visit. A number of plans waive this additional co-pay if you are actually admitted to the hospital through the emergency room and the plan will pay as an inpatient service. A plan can sometimes be structured to have separate coverage for accidents as an additional rider (see definition below) to your policy.

Prescription Medications
Prescription medications can be classified as generic, brand name, or non-preferred brand name (see below for definitions). Please Note: Not all health insurance plans pay for prescription drugs, so if you already take prescription drugs or think you will need help in the future with prescription drugs, you will want to make sure that you are purchasing a plan that includes this coverage. Prescription drugs may be covered at the coinsurance rate (70-80%) after a deductible specifically for prescription drugs is met, other plans may include Prescription drugs in the total deductible for the plan.

Generic Medications
Drug manufacturers are permitted to sell a generic version of a medication after the patent expires for the brand name medication (generally 20 years after the brand name medication was registered). Generic medications are equivalent to the corresponding brand name medication, but are much less expensive than the brand name medication. Health insurance plans frequently provide better payment for generic medications as an incentive for you to ask for the generic version. About half of all prescription medications filled in the United States are filled with generic medications.

Brand Name Medications
Brand name medications are more expensive than generic medications. Most health insurance plans create a limited list of brand name medications that they will pay for and many health insurance plans also provide less coverage for brand name medications than for their generic counterparts.

Non-Preferred Brand Name Medications
Most health insurance plans create a limited list of brand name medications they will pay for. If your brand name medication is not on this list, it might be paid at a lower level under “Non-Preferred Brand Name Medications.”

Maternity
Some health insurance plans cover the cost of maternity, which includes doctor and hospital charges for prenatal care as well as labor and delivery. Maternity is expensive to add into a health insurance policy because it is considered a guaranteed expense for the insurance company. If a woman becomes pregnant, it is a safe bet that there is going to be medical expenses incurred! If there are no complications and the birth goes well, the insurance company will be out a large monetary portion of the cost of delivery and even more if there are problems with the delivery or the newborn. Insurance companies price maternity so that they can still maintain profits. In some cases it may be best to save your money and pay for the prenatal care and the delivery out of your own pocket (or on a credit card) and let the insurance cover the catastrophic events. The difference you save in the monthly cost of having maternity coverage may be well worth it to you. Remember, once you have a policy that covers maternity, you cant just remove the maternity coverage after the pregnancy is done! You will continue to pay for that maternity coverage for as long as you have that policy.

Mammography
Mammography is a specific type of imaging that uses a low-dose x-ray system for the examination of breasts to detect early breast cancer in women experiencing no symptoms and to detect and diagnose breast disease in women experiencing symptoms. Current guidelines from the American Cancer Society (ACS), and the American Medical Association (AMA) recommend a screening mammography every year for women, beginning at age 40. Various plans will have automatic coverage for mammograms but some will not. Several states (like Washington State, for example) have specific guidelines that require companies to have coverage for mammograms in their policies as an automatic benefit.

Mental Health
Outpatient mental health services include visits to a licensed counselor, therapist, or psychiatrist. Inpatient mental health services include admission to a psychiatric hospital. Many plans do not cover mental health services.

Rehabilitation Therapy
Rehabilitation therapy may include physical therapy, occupational therapy, speech therapy, message therapy, cardiac rehabilitation, and chronic pain therapy. Most health insurance plans limit rehabilitation therapy to a certain number of visits per calendar year or to a certain dollar amount that they will pay for rehabilitation for either the year or for a lifetime.

Rider
Anything that changes the way your policy acts by default is called a Rider. A rider can be anything from an exclusion of coverage for a medical condition, or additional coverage for potential conditions. (As in an accident rider mentioned earlier in this report)

Occupational Coverage/On the job coverage
The largest portion of health insurance plans do not cover occupational related medical expenses. This can be a HUGE pitfall for self employed people. Always make sure that if you need to be covered while you are working that your plan will give you on the job coverage. If you get injured or sick while you are on the job and you do not have Workmans Compensation or Labor and Industries accident coverage, you may have to pay for ALL medical expenses out of your own pocket.

Vision Coverage
Vision coverage is usually broken into two parts: vision exam, and vision hardware. Vision exam benefits include the cost of a refractive exam used to test vision acuity (20/20, 20/40, etc.). Vision hardware represents the cost of eye glasses or contact lenses. A number of health insurance plans do not cover vision exams or hardware. However, medical issues relating to the health of the eye (like Glaucoma) are almost always covered under the regular medical portion of the health insurance plan.

Doctor Directory
Each insurance company will have a list of doctors that the company has negotiated terms for payment of services with. You can go to the insurance company’s website to find a listing of contracted preferred providers.

This information may help you understand a policy that you already have, or aid you in understanding a policy that you may be thinking about purchasing. The more knowledge you have about what the industry jargon means, the more you will be able to make informed decisions about the insurance you choose to use.

Using A Penis Health Crme A Major Benefit For Men

Ignoring penis skin care can result in dry, irritated, reddish penis skin. Lack of penis care creates an unhealthy looking penis that can lead to poor sexual performance and lower self esteem. It can also cause anxiety, and depression if sexual activity is affected. A quality penis health crme (health professional recommend Man1 Man Oil) can be a valuable aid in maintaining optimum penis skin appearance

Causes of Red Irritated Penis Skin

The skin on the penis is often subjected to more stress than many other parts of the body. A number of issues can cause irritation. While engaged in masturbation, too much pressure applied by a clenched hand can cause tiny tears on the skin surrounding the shaft. Blood vessel rupture is also possible, causing redness and loss of sensitivity.

Capillary Rupture

Aggressive masturbation can rupture the small blood vessels close to the skin. If this happens, red blotches or little dots will show up. Avoid further masturbation for 24 to 48 hours to allow healing and apply a penis health moisturizer.

Loss of Penis Sensitivity

Friction caused by masturbation can lead to a loss of sensitivity. Frequent dry masturbation only adds to this problem. A quality penis health crme can alleviate this problem and increase sensitivity and help avoid stress on the blood vessels.

Dry, flaky penis skin is another common problem that can cause discomfort and embarrassment. This is commonly caused by eczema or jock itch.

What is Eczema?

Eczema is inflammation of the skin. It shows up as a red, itchy rash. Scratching only causes more irritation. A quality skin crme can help alleviate the dryness. This will also reduce the itchiness associated with the condition.

What is Jock Itch?

Jock itch shows up as a red, dry patch in the groin area and can produce a burning sensation. Its usually caused by sweating, dampness and friction and can be treated with anti fungal ointments.

How to Maintain Healthy Penis Skin

Vitamin A and Vitamin C are two of the important ingredients found in Man1 Man Oil.

What is Vitamin A?

Vitamin A is a fat soluble vitamin and helps maintain skin, teeth and tissue health It reduces inflammation, and works as an anti bacterial agent.

What is Vitamin C?

Vitamin C is a water soluble vitamin so is constantly needed for the body to maintain optimum health. Green vegetables and most fruits are a good source of this vitamin. It is important in forming collagen production that is needed for wound healing and healthy skin.

Good hygiene, along with a healthy diet containing a balance of vegetables, nuts and fruits, and avoiding frequent fast food, all help maintain a health body and a healthy skin. A penis health crme containing quality ingredients and especially developed for healthy penis skin is also important in maintaining a blemish free male organ. (health professionals recommend Man 1 Man Oil)