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Understanding insurance benefits

It’s important to understand the voluntary benefits available to you that can complement traditional health insurance.

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No matter where you are in life, whether you’re just starting your career or nearing retirement, it’s important to understand the voluntary benefits available to you that can complement traditional health insurance.

While health insurance can help cover medical costs in the event of injury or illness, sometimes there are additional expenses your health care plan doesn’t cover. Voluntary benefits, such as life insurance, disability insurance and dental insurance, offered by your employer or as portable options can help bridge the gap should an unexpected event occur.

“Even if an employee has to pay a nominal sum for a voluntary benefit like disability insurance or dental coverage, it can be well worth it,” said Sharlyn Lauby, president of ITM Group Inc., creator of the HR Bartender blog and contributor to Colonial Life’s WorkLife blog. “Think of voluntary benefits as those specialized, personalized extras that make your overall benefits package exactly what you’d like it to be.”

Benefits can be complex, but with the right information about the options available you can make choices that best fit your lifestyle and budget. Consider these common voluntary options:

Life Insurance
While almost nine out of 10 Americans agree most people need life insurance, just 60 percent said they have it, according to LIMRA’s Trends in Life Insurance Ownership study. With benefits typically paid tax-free to your beneficiary, life insurance can provide peace of mind and help loved ones pay for funeral costs, cover living expenses, pay off debt, finance future needs and protect retirement plans. Policies are often available through employers, but you may lose the coverage if you change jobs. However, portable policies are also available that allow you to maintain coverage even if you change jobs or retire.

Disability Insurance
No one usually expects to get sick or injured, however, disability insurance can help protect your income and maintain your lifestyle if a physician determines you’re unable to work due to a covered accident or illness. Common conditions such as pregnancy and childbirth, heart attacks, strokes, cancer and accidents make up the majority of disabilities that lead to an inability to work. With short-term disability benefits, you receive financial support for a predetermined amount of time to cover expenses such as a mortgage or rent, car payments, utilities and more so you can focus on recovery.

Dental Insurance
Daily brushing and flossing can help keep your mouth healthy, but that’s not always enough as dental problems can lead to other health problems if left unattended. When you see a dentist for routine appointments and necessary procedures, dental insurance can help reduce the out-of-pocket expense. In fact, among insurance benefits typically provided to employees, 61 percent of workers view dental benefits as important, ranking second after medical insurance, according to LIMRA. Dental insurance provides coverage for regular cleanings and more extensive procedures like fillings, crowns, dentures and tooth removal. Some plans even offer allowances for orthodontic work like braces and retainers.

Accident Insurance
When an accident happens, one of the last things many people want to think about is how they’re going to pay the bills. You can prepare for the unexpected with accident insurance, which provides a lump-sum benefit – based on the injury suffered and treatment received – that can be used to help pay for expenses following an accidental injury, such as doctor bills, co-pays, emergency room fees, transportation, lodging and follow-up care.

Critical Illness Insurance
No matter your age or health status, a sudden illness could significantly impact your financial well-being, and health insurance may not cover everything. When a critical illness such as a heart attack, stroke or major organ failure occurs, major expenses often follow, and critical illness insurance can help off-set costs. In addition to your day-to-day bills, the lump-sum benefit can be used to pay for treatment- and recovery-related expenses including deductibles and co-pays, child care, travel and lodging, gym memberships and out-of-network treatment facilities and procedures.

Learn more about how you can live healthier, enjoy more success at work and take full advantage of your benefits at worklife.coloniallife.com.

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Forget materialism, a simple life is happier: research

The commitment to simple living, or ‘voluntary simplicity’ as it is formally known, leads to wellbeing through providing more opportunities for personal interaction and social connection than conventional contexts of exchange, such as community gardens, sharing resources, and peer-to-peer lending platforms.

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In an age where billionaires and conspicuous consumption are increasingly on display, new Otago-led research shows a simple life really is a happier life.

The study led by University of Otago – Ōtākou Whakaihu Waka Department of Marketing researchers has recently been published in the Journal of Macromarketing.

After setting out to understand the relationship between consumption and wellbeing, the researchers found people are happier and more satisfied when adopting sustainable lifestyles and resisting the temptations of consumerism.

They analysed data from a representative sample of more than 1000 New Zealanders, made up of 51 per cent men and 49 per cent women, with a median age of 45 and a median annual household income of $50,000.

They found the commitment to simple living, or ‘voluntary simplicity’ as it is formally known, leads to wellbeing through providing more opportunities for personal interaction and social connection than conventional contexts of exchange, such as community gardens, sharing resources, and peer-to-peer lending platforms.

Women are more likely to adopt a simple life than men, although more research is needed to understand why.

Co-author Associate Professor Leah Watkins says consumer culture promotes happiness as being typically associated with high levels of income and the capability it affords to acquire and accumulate material possessions.

“However, research is clear that attitudes to, and experiences of, materialistic approaches to life do not lead to increases in happiness or wellbeing. Nor do they lead to sustainable consumption necessary for planetary health.”

Between 2000 and 2019, global domestic material consumption increased by 66 per cent, tripling since the 1970s to reach 95.1 billion metric tons.

Growing consumer affluence and higher living standards have resulted in warnings of alarming trends of environmental degradation from human consumption.

This, coupled with global warming and post-pandemic health and financial anxieties, has led researchers and policymakers to call for a better understanding of the links between simple consumer lifestyles and wellbeing.

But co-author Professor Rob Aitken says this isn’t a case of just throwing out all your worldly possessions.

“It’s not directly the commitment to material simplicity that leads to wellbeing, but the psychological and emotional need fulfilment that derives from relationships, social connection, community involvement and a sense of living a purposeful and meaningful life.

“In a world where billionaire weddings are treated like state occasions and private yachts are the new status symbols, voluntary simplicity offers a quiet, powerful counter-narrative — one that values enough over excess, connection over consumption, and meaning over materialism.”

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Too much for some, just right for me – The truth about dating while plus-size

What is dating like for a plus-size woman? We don’t get the fairytale, the montage-worthy meet-cute in the bookstore, or the sweet swipe-rights with guys who use words like “connection” and “vibes.” What we get is a mixed bag of awkward encounters, accidental comedy, the occasional ghosting, and sometimes, someone who sees us as the whole damn package.

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By: A Curvy Queen Who’s Seen It All

Let me be real with you: dating as a plus-size woman isn’t for the faint of heart. We don’t get the fairytale, the montage-worthy meet-cute in the bookstore, or the sweet swipe-rights with guys who use words like “connection” and “vibes.” What we get is a mixed bag of awkward encounters, accidental comedy, the occasional ghosting, and sometimes, someone who sees us as the whole damn package—not just the size of it.

Photo by @canweallgo from Unsplash.com

I’m 33, a size 20, and I live in a city where everyone seems to be on a green juice cleanse or training for a marathon. My idea of a perfect day includes a cheese board, a crime documentary, and wearing something soft and oversized. I’ve been dating online for years now—Tinder, Bumble, Hinge, OkCupid, even a brief stint on Bigger Lover (don’t judge). I’ve had first dates that turned into second dates, and others that ended before the appetizer even came. But through it all, I’ve learned some hard truths about dating while plus-size.

The Fetish Factor

Let’s start with the obvious: there are guys out there who fetishize plus-size women. They love our bodies—but only in private. They send you those thirsty DMs like, “I’ve always had a thing for thick girls.”

I used to think that was a compliment. But it’s not, not when it’s the first thing they lead with, not when you realize they don’t care about your name, your career, or your sense of humor. Just your body.

I once met a guy off Tinder who spent our entire date talking about how much he “loved curves” and how he’d “never dated a big girl before.” He kept asking if I was into feederism (I had to Google it when I got home). I never heard from him again, which was fine—I didn’t need to be someone’s body experiment.

The Grateful Gambit

Then there’s this weird idea that plus-size women are supposed to be grateful for attention, as if someone choosing to date us is some charitable act. It’s subtle sometimes, but oh, it’s there.

I had a guy once tell me, over drinks, “I like girls who are a little bigger. They try harder, you know? They’re just more appreciative.”

I blinked. Tried harder at what? Breathing through my rage?

I wanted to ask him if he’d ever considered that maybe I’m not grateful to be on a date with him either. But instead, I left.

Online Dating – A Love-Hate Situation

The apps are their own beast. My profile is cute, funny, and unapologetically me. I mention that I love bookstores, brunch, and body positivity. I always include full-body pics, because I refuse to trick anyone—but I also refuse to hide.

And still, I get messages like: “You’re actually really pretty for a big girl.”

Sir, would you be willing to grow a personality for someone you really liked?

But it’s not all trash. I’ve had some sweet, genuine conversations and some fun dates. Not every guy is clueless. Some are kind, open, and emotionally intelligent.

The good, the bad, and the big truth

Dating while fat is exhausting. You have to weed through people who want to fix you, people who want to hide you, people who only want to sleep with you, and people who see you as their emotional support girlfriend.

But I’ve also never been more sure of who I am. I’ve learned to ask better questions, to take up space, and to walk away when someone doesn’t see my worth.

I’ve cried after bad dates, yes. I’ve called friends from bathroom stalls and whispered, “Why is this so hard?” But I’ve also danced in my kitchen with someone who made me feel radiant, kissed under streetlights, and been told, with complete sincerity, “You’re the most beautiful woman I’ve ever met.”

The truth is, being plus-size in the dating world means you see people for who they really are, faster. It forces you to develop an inner filter. You learn to walk away without guilt. And when you do meet someone who loves you not in spite of your size but as a part of your magic? It’s that much sweeter.

So to every plus-size woman out there who’s ever felt invisible, unworthy, or too much: you’re not too much. You might just be too real for the wrong person.

Keep showing up. Keep swiping. And keep loving yourself like you deserve to be loved—because trust me, you absolutely do.

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Research suggests drinking coffee may reduce the risk of frailty

Habitual coffee consumption of 4-6 cups and over* (with one cup measuring at 125ml) per day is associated with a reduced risk of frailty.

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A new study published in the European Journal of Nutrition has suggested that habitual coffee consumption of 4-6 cups and over* (with one cup measuring at 125ml) per day is associated with a reduced risk of frailty.

The study, funded by the Institute for Scientific Information on Coffee (ISIC) is the first to analyze the relationship between coffee consumption and the underlying components of frailty.

Coffee consumption has previously been linked to reducing the risk of some of the natural symptoms of ageing, such as improving cognitive function2 and mitigating against inflammatory related diseases. This latest research adds to the growing knowledge base within this area, exploring the benefits of regular coffee consumption over an extended period of time. 

For this study, researchers conducted a detailed analysis over a long seven-year follow-up period, surveying 1,161 adults aged 55+ years through the Longitudinal Aging Study Amsterdam (LASA). 

The relationship between coffee consumption and the presence and incidence of frailty was investigated. Frailty status was evaluated using Fried’s five-component frailty phenotype4,which is defined by the presence of three or more of the following symptoms: weight loss, weakness, exhaustion, slow gait (walking) speed, and low physical activity.

The results of this study indicate that higher habitual coffee consumption is associated with lower overall odds of frailty. These findings can be considered alongside the European Food Safety Authority’s (EFSA) scientific opinion that up to 400mg of caffeine (3-5 cups of coffee) per day is a moderate and safe amount5.

The researchers explain that coffee’s effect on reducing frailty can partly be attributed to the role of antioxidants in coffee, which may help to reduce inflammation, sarcopenia (muscle loss), and prevention of muscle damage. Coffee may also help to improve regulating insulin sensitivity and glucose uptake in older people.

The study’s lead author, Margreet R. Olthof, Associate Professor at the Amsterdam Public Health Research Institute, Vrije Universiteit Amsterdam, commented: “Drinking coffee is a key part of many people’s daily routine, and as people age they are constantly looking for ways to maintain their health. Our findings highlight the possible beneficial association between daily coffee consumption and reduced risk of frailty in later life in the older population. Coffee consumption may thus enhance healthy aging, but it is important we also explore further dietary interventions, to ensure older adults can continue to live fulfilling lives.” 

* Moderate coffee consumption can be defined as 3–5 cups per day, based on the European Food Safety Authority’s review of caffeine safety.

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