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According to the most recent
National Health Interview Survey, more than 33 percent of U.S. adults and nearly 12 percent of U.S. children use complementary health approaches including natural products, yoga, meditation, massage therapy and chiropractic or osteopathic manipulation. Most of them pay for these tools out of their own pockets because they do not realize that their insurer will cover all or a portion of their alternative care costs.

The Affordable Care Act (ACA) prohibits insurers from discriminating against any licensed healthcare provider, whether they practice traditional or alternative medicine. Though health insurers can still deny coverage for treatments they consider experimental or not medically essential, some are beginning to cover well-established alternative tools like biofeedback, acupuncture and chiropractic care.

If you regularly visit a naturalist, chiropractor or massage therapist, it may be time to take a closer look at your health insurance plan. Start by calling your insurance company and asking them these questions about the alternative medicine coverage they provide:

Each year the Equal Employment Opportunity Commission (EEOC) collects data on the race, ethnicity, sex and job category of private sector employees. The data is then provided to the Office of Federal Contract Compliance Programs (OFCCP) at the Department of Labor.Employers with 100 or more employees—or those with fewer than 100 if the company is owned or affiliated with another company for a total of 100 or more employees—submit the data to the EEOC using Standard Form 100, also known as EEO-1. Federal contractors with 50 or more employees are also required to report employment data to the EEOC.

Do you use email to advertise your business? If so, those messages are subject to rules established under the
CAN-SPAM Act. Signed into law by President George W. Bush in 2003, it applies to all commercial email messages that advertise or otherwise promote a commercial product or service.

Should the Federal Trade Commission (FTC) find you in violation of the CAN-SPAM law, your business could face a penalty of up to $16,000 per email sent. However, the FTC isn’t the only one looking at the emails you send. Many email and internet service providers (ISP) use SPAM filters to keep unwanted messages out of their customers’ inboxes. In fact, according to ReturnPath, an email data services provider, one out of every five legitimate emails never makes it to its destination. It’s either swept up by a SPAM filter or blocked by an ISP.

Social Security benefits make up a big part of a majority of seniors’ incomes. In fact, according to the Social Security Administration (SSA),
64 percent of “aged beneficiaries” received at least half of their income from Social Security in 2013. Whether you’re still decades away from joining these retirees or have already collected your final paycheck, here are a few ways to increase those benefits.

  1. Put in at least 35 years.

Your 35 highest-earning years are factored into the equation that the SSA uses to calculate your Social Security benefits. But because you only need 40 credits to qualify, and you can earn up to four annually, you don’t have to actually work 35 years—unless you want to maximize your Social Security benefits. Work fewer years and a corresponding number of zeros will be factored into the calculation, thus decreasing your benefit payout.


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