#group life insurance in Huntington and Charleston

[snappbenefits]

Reasons To Provide Small Business Health Insurance in Princeton and Martinsburg, WV

Protecting one's assets is important, but the greatest gift every individual enjoys is life. It is essential to guard it fiercely, too. Yes! A person may overcome health issues by getting proper treatment, but sudden demise often leaves the dependents in jeopardy, especially when the financial situation is not too good. No worries! This is what insurance is all about. Buying individual life insurance may be extremely pricey and comes with many restrictions, many individuals find it advantageous to be covered by group life insurance in Huntington and Charleston, WV. ​ Interestingly, group insurance is provided by the employer or an organization to its employees or members. The employer may provide coverage for free or share the cost of the premiums. Employees are happy to find a means of protecting their dependents after their death.

Some of the facts to understand about group life insurance policy include the following: -

· The employees /members included within the group do not have to undergo a medical examination to be eligible for insurance coverage

· The coverage is usually limited and not as extensive as an individual policy

· The employer often provides group life insurance as an employee benefit. While the employer owns the policy, it may also be linked to the company pension scheme.

· Alternatively known as death in service benefit, the payouts go to the beneficiaries of the employee who dies when being employed.

· The group life insurance is not the same as workers' compensation insurance, though. The insured group members do not have to die on the job to obtain the benefit. Instead, the life insurance money will be paid to their family members as long as the insurance policy is in force.

· Choosing the plan is the employer's prerogative who is free to choose the coverage that amounts to a multiple of the employee's gross salary paid yearly

· The employee who leaves the company or passes away will not be eligible for the payout by the insurance company.

Group life insurance is popular with both employees and employers for various reasons. The company owner finds it to be an excellent way to ensure the following: -

· Retention & Recruitment- A majority of small and medium companies lose out on retaining the best talents in the industry as bigger competitors pick them up. The valuable employees are interested in being covered by group life insurance that looks after them and their families. Quitting the company for better prospects is rare for employees covered by group insurance

· Tax Benefits- The business owner is pleased to know that providing group life insurance to the employees can be a tax-deductible expense. However, the employer should seek advice from financial advisors before going ahead without knowing the extent of benefits.

· Improved Employer-Employee Relationship- The workforce is happy to be provided with insurance coverage without spending money. This ensures a good relationship between the two, increasing workplace productivity.

Most employers also provide small business health insurance in Princeton and Martinsburg, WV, especially when the company in question is unable to compete with more prominent players in the industry.

[h-bailey]

West Virginia Sen. Capito’s difficult journey to ‘no’

Sen. Shelley Moore Capito, R-W.Va., announced Tuesday she was against the current version of the Senate GOP health care bill (Photo: J. Scott Applewhite/AP)

Janice Hill almost didn’t get on the bus. But last week, she found herself riding along with three dozen other West Virginians on a motorcoach to the nation’s capitol where she soon came face to face with one of the most elusive figures in the debate over Republican efforts to repeal the Affordable Care Act: her home state’s junior senator, Shelley Moore Capito.

Hill, a pastor from Parkersburg, W.V., usually doesn’t fumble for words, but she was suddenly nervous. Their group, in town to lobby against the GOP health care bill, had not expected to see Capito, a centrist Republican and swing vote on the legislation who had been dodging the spotlight for days amid intense lobbying from both sides.

Like others in the room, Hill had called and emailed Capito’s office about health care, but now, standing just a few feet away from the lawmaker, she had no idea what to do. Suddenly, she felt compelled by an “impulse,” as Hill later put it. The pastor stood and approached Capito with her iPhone, and with her hands shaking, she pulled up a photo of her adult daughter Amy, who was diagnosed four years ago with neuroendocrine small cell carcinoma, a rare form of cancer.

In an exchange that was filmed by someone else in the room and later posted on Facebook , where it has been viewed more than 5 million times, Hill showed the senator photos of Amy before and after her diagnoses, when she was in the hospital undergoing treatment. In the latter photo, Amy has no hair and is lying in her hospital bed in a fetal position. “Oh my god,” Capito responded, as she grabbed Hill’s phone to look closer.

“I wanted her to see a face. I wanted her to see the face of someone whose life depends on health care, someone who would be directly impacted by the vote she would cast,” Hill recalled this week. “I wanted her to carry that face with her, to remind her that what she was about to do was going to have impact on real people.”

Whether Hill’s story influenced Capito is unknown. But on Tuesday, after Senate GOP leaders announced they were delaying a planned vote this week on the ACA repeal until after the July 4th congressional recess, Capito finally ended weeks of speculation and added her name to the growing list of Republicans who say they do not support the bill as currently written.

In a joint statement issued with Sen. Rob Portman, a Republican from neighboring Ohio who has also been a wild card in the debate, Capito cited her concern over proposed cuts to Medicaid, which could potentially devastate rural health care providers who have been on the front lines against an opioid epidemic in her state that is considered among the worst in the country.

“As drafted, this bill will not ensure access to affordable health care in West Virginia, does not do enough to combat the opioid epidemic that is devastating my state, cuts traditional Medicaid too deeply and harms rural health care providers,” Capito said in the statement.

But as Senate Republicans scramble to regroup and come up with a bill that can gain enough support to pass, the pressure is only likely to increase on Capito. She is seen as a genuine swing vote in the battle over health care reform, and as such, she has faced intense lobbying both in Washington and at home. Her dilemma is how to strike a balance on an issue that has galvanized her party and her supporters who want to see Obamacare overturned, and doing right by constituents who would be hit harder than residents of wealthier states by drastic cuts in health care.

West Virginia is unquestionably Donald Trump country—a state where voters strongly responded to the GOP candidate’s vows to revive the coal industry, create jobs and, as Trump often put it, represent the nation’s “forgotten people” in Washington.

But while many voters in West Virginia rage against much of what President Obama did, including his efforts on climate change, the state has strongly benefitted from Obamacare, which gave health insurance to many residents of this heavily rural state for the very first time. According to U.S. Census Bureau numbers cited by Politifact , the proportion of uninsured individuals between the ages of 18 and 64 went from an average of 21 percent between 2008 and 2013 to 9 percent in 2015—one of the biggest declines in the country.

West Virginia was among the 31 states took advantage of a provision in the ACA allowing states to extend Medicaid to millions of low-income adults who could not otherwise afford health care. Under the plan, until 2016, the federal government reimbursed 100 percent of health care costs for those who qualified. The federal government was scheduled to continue reimbursing those costs at a rate of 90 percent starting this year and beyond, with states making up the rest, but the Senate GOP bill, echoing legislation already approved by the House, would not only eliminate that expansion but also cut Medicaid funding by $722 billion, according to the Congressional Budget Office.

Those cuts could be potentially devastating in West Virginia where more than 564,000 residents or roughly 29 percent of the state are on Medicaid , according to the Henry J. Kaiser Family Foundation. That includes nearly 172,000 who currently have insurance through the Medicaid expansion, according to the latest numbers from the West Virginia Department of Health and Human Resources.

Confounding Capito’s dilemma is that rural health care providers, who rely heavily on Medicaid reimbursements, have been on the front lines of the fight against opioid abuse. Many of those covered by Medicaid have been caught up in the epidemic. According to the WVDHHR, roughly 50,000 of those who are covered through the Medicaid expansion were treated for substance abuse last year—a number many state officials expect to increase amid a drug crisis that only appears to be getting worse by the day.

Amid the proposed Medicaid cuts, Capito and Portman were among a group of senators from states caught up in the opioid crisis who pressed Senate Majority Leader Mitch McConnell and lawmakers working on the health care bill to supplement the cuts with a $45 billion fund to combat and treat drug abuse. But that plan came under criticism from both conservatives intent on using the ACA repeal bill to cut the federal budget deficit and from health officials who argued that plan wouldn’t be enough to counteract funding cuts to rural hospitals dealing with the crisis.

Capito has said little about how she plans to move forward. Her office, which did not respond to requests for comment, has offered few details about what Republican leaders could offer to land her support for a bill. She has repeatedly argued for changes to ACA, which she has described as a “broken law,” including efforts to lower premiums and entice insurance providers into staying in markets to offer more competition.

Back home, Capito has been bombarded by groups on both sides of the debate. In recent days, local television stations in Huntington and Charleston featured ads that seemed to be on repeat calling on voters to contact Capito and urge her to vote one way or the other. Vermont Sen. Bernie Sanders held a rally in Charleston last Sunday that attracted more than 2,000 people in which he called on Capito to vote against the GOP bill. Meanwhile, six protestors, including a priest, were arrested in a sit-in at her office in Charleston on Monday, and opponents of the bill are already planning to step up their calls and lobbying during next week’s recess. As of Wednesday, Capito had no public events scheduled for next week.

Back in Parkersburg, Hill said she hadn’t heard from Capito’s office—though it seems she’s heard from everyone else. The video of her exchange with Capito went viral, eliciting calls from dozens of reporters. She’s told her story on CNN and MSNBC. “I’ll talk to anyone to save my daughter,” she said.

Hill credits protections under the ACA, which bans insurers from placing lifetime or yearly limits on how much they spend on patient benefits, for saving her daughter’s life—limits that would be removed under the law being considered in the Senate. In her first seven months of treatment, Amy, who is 41, racked up more than $1.2 million in medical bills—which was largely covered through her employer-backed insurance. And she continues to receive treatment. “She would not be alive today if not for the ACA,” she told Capito last week.

Asked if she thinks she made an impact on Capito’s thinking about the bill, Hill said she wasn’t sure, but she hoped so. “I think she listened to me. I think when she saw the picture of my daughter, how beautiful she is, and then when she saw her in treatment, she had an emotional reaction, a real response,” Hill said. “I wanted it in her head that her vote is going to affect this person that she’s looked at, and I think, I hope, it did.”

[ticket2concert-blog]

Trans-Siberian Orchestra Celebrating 20 Years of Winter Tour

The tradition of November to December Winter tours begin again as the Trans-Siberian Orchestra celebrates their 20 years. The tour is based on the TV movie ‘1999 Ghosts of Christmas Eve’. The show is to tour around the 65 Cities of America, delivering group signatures along with a variety of extravagant holiday activities. The tour will commence from November 14th in Green Bay, WI and Council Bluffs, IA and fall to an end on December 30th.

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According to a statement issued recently, the show will feature new stage designs joined by the demonstration of the movie. The movie is a story about a runaway girl who takes shelter in a cryptic and uninhibited theatre on a Christmas Eve.

The show includes the favorites of Trans-Siberian Orchestra, "Christmas Eve/Sarajevo 12/24," "O’ Come All Ye Faithful" and "Good King Joy".

The Cheap Trans-Siberian Orchestra Concert Tickets are on sale now on Ticket2concert. For more information and follow up on Trans-Siberian Orchestra Concert Schedule & Timing visit us on Ticket2concert.com

Check out the list of Trans-Siberian Orchestra Concert tour dates below:

Nov. 14 – Green Bay, Wisconsin, Resch Center

Nov. 14 – Council Bluffs. Iowa, Mid-America Center

Nov. 15 – Fort Wayne, Indiana, Allen County War Memorial Coliseum

Nov. 15, – Tulsa, Oklahoma, BOK Center

Nov. 16 – University Park, Pennsylvania, Bryce Jordan Center

Nov. 17 – Allentown, Pennsylvania, PPL Center

Nov. 17 – Denver, Pepsi Center

Nov. 18 – Wilkes Barre, Pennsylvania, Mohegan Sun Arena

Nov. 18 – Colorado Springs, Colorado, Broadmoor World Arena

Nov. 20 – Salt Lake City, Vivint Smart Home Arena

Nov. 21 – Erie, Pennsylvania, Erie Insurance Arena

Nov. 23 – Manchester, New Hampshire, SNHU Arena

Nov. 23 – Spokane, Washington, Spokane Arena

Nov. 24 – Worcester, Massachusetts, DCU Center

Nov. 24 – Portland, Oregon, Moda Center

Nov. 25 – Uncasville, Connecticut, Mohegan Sun Arena

Nov. 25 – Tacoma, Washington, Tacoma Dome

Nov. 28 – Albany, New York, Times Union Center

Nov. 28 – Oakland, California, Oracle Arena

Nov. 29 – Rochester, New York, Blue Cross Arena

Nov. 29 – Fresno, California, Save Mart Center

Nov. 30 – Toledo, Ohio, Huntington Center

Nov. 30 – Sacramento, California, Golden 1 Center

Dec. 1 – Dayton, Ohio, Nutter Center

Dec. 1 – Ontario, California, Citizens Business Bank Arena

Dec. 2 – Grand Rapids, Michigan, Van Andel Arena

Dec. 2 – Phoenix, Gila River Arena

Dec. 5 – Indianapolis, Bankers Life Fieldhouse

Dec. 5 – Oklahoma City, Oklahoma, Chesapeake Energy Arena

Dec. 6 – Lexington, Kentucky, Rupp Arena

Dec. 6 – St Louis, Enterprise Center

Dec. 7 – Greenville, South Carolina, Bon Secours Wellness Arena

Dec. 7 – Knoxville, Tennessee, Thompson-Boling Arena

Dec. 8 – Charlotte, North Carolina, Spectrum Center

Dec. 8 – Duluth, Georgia, Infinite Energy Center

Dec. 9 – Greensboro, North Carolina, Greensboro Coliseum Complex

Dec. 9 – Birmingham, Alabama, Legacy Arena at The BJCC

Dec. 12 – Raleigh, North Carolina, PNC Arena

Dec. 12 – Columbia, South Carolina, Colonial Life Arena

Dec. 13 – Charleston, West Virginia, Charleston Civic Center

Dec. 13 – Jacksonville, Florida, Jacksonville Veterans Memorial Arena

Dec. 14 – Cincinnati, U.S. Bank Arena

Dec. 14 – Sunrise, Florida, BB&T Arena

Dec. 15 – Buffalo, New York, KeyBank Center

Dec. 15 – Orlando, Florida, Amway Center

Dec. 16 – Hershey, Pennsylvania, Giant Center

Dec. 16 – Tampa, Florida, Amalie Arena

Dec. 19 – Richmond, Virginia, Richmond Coliseum

Dec. 19 – New Orleans, Smoothie King Center

Dec. 20 – Uniondale, New York

Dec. 20 – Austin, Texas, Frank Erwin Center

Dec. 21 – Philadelphia, Wells Fargo Center

Dec. 21 – Houston, Toyota Center

Dec. 22 – Newark, New Jersey, Prudential Center

Dec. 22 – Dallas, American Airlines Center

Dec. 23 – Washington, D.C., Capital One Arena

Dec. 23 – San Antonio, AT&T Center

Dec. 26 – Columbus, Ohio, Nationwide Arena

Dec. 26 – Kansas City, Missouri, Sprint Center

Dec. 28 – Pittsburgh, PPG Paints Arena

Dec. 28 – Chicago, Allstate Arena

Dec. 29 – Detroit, Little Caesars Arena

Dec. 29 – St. Paul, Minnesota, Xcel Energy Center

Dec. 30 – Cleveland, Quicken Loans Arena

Dec. 30 – Milwaukee, Wisconsin Entertainment and Sports Center

[topsolarpanels]

Here’s Who The Obamas Invited To The State Of The Union Address

The White House on Sunday announced the guests who will be joining Michelle Obama in the first lady’s box as President Barack Obama delivers his final State of the Union address to Congress.

Among the luck few are a businessman who helps low-income residents afford solar panel, an opioid reform advocate from West Virginia, a famed plaintiff in last year’s landmark matrimony equality lawsuit, a once-homeless veteran from Las Vegas, a Syrian refugee and the woman Obama credits with coining the “Fired up! Ready to go! ” chant popularise by both of his campaigns for the presidency.

Read the full listing below, via the White House TAGEND

A Vacant Seat for the Victims of Gun Violence

Last week, the President took a series of commonsense steps to help reduce gun violence in America and stimulate our communities safer.

We leave one seat empty in the First Lady’s State of the Union Guest Box for the victims of gun violence who no longer have a voice- because they need the rest of us to speak for them. To tell their narratives. To honor their memory. To support the Americans whose lives have been forever changed by the terrible ripple effect of gun violence- survivors who’ve had to learn to live with a disability, or without the love of their life. To remind every single one of our representatives that it’s their responsibility to do something about this.

Sue Ellen Allen( Scottsdale, AZ )

Criminal Justice Reform

Sue Ellen Allen knows the difficulties that formerly incarcerated someones face after prison- both as the co-founder of a nonprofit helping inmates reenter society and as a former inmate commence over after her release in 2009. Her organization, Gina’s Team, supports women in Arizona prisons and upon release, devotes them the resources they need and teaches them how give back to the community. Named for her cellmate in prison who died in incarceration, Sue Ellen started Gina’s Team with Gina’s mothers in an effort to provide women a track out of prison, back in local communities and out of additional trouble with the law. She wrote the President to thank him for the launch of a new pilot program that enables incarcerated Americans to receive Pell Grants and to encourage a national dialog that includes women in prison reform. Sue Ellen is proud to be accompanied to Washington by Gina’s mother, Diane, whose daughter devoted her a renewed intent in life.

Gloria Balenski( Schaumburg, IL )

Letter Writer

Like many American families during the Great Recession, Gloria and Norb Balenski faced real economic conflicts: Gloria lost her task after 34 years at a major electronics company, the money they expended for their son’s college dried up in the free-falling stock market, and Norb’s job at Chevrolet was threatened when the automobile industry cratered. But the actions the President took when he came into office to pull us away from the brink of depression and to secure quality, affordable health care for millions of Americans, helped safeguard Norb’s job and his health insurance. And just in time as he suffered a major heart attack in 2012, racking up $400,000 in medical bills. Gloria and Norb wrote the President a letter last year thanking him for the economic priorities he pursued at a time of commotion, which Gloria credits with helping her family to bounce back. Today, Gloria is retired, her husband has recovered, and her son lately wedded, has a task and bought a new home.

Jennifer Bragdon( Austin, TX )

Community College Student

Jennifer Bragdon’s story showcases how community colleges can adapt to the needs of students. Jennifer, 42, and her husband, George, work full time to pay for bills and provide childcare for their one-year-old daughter, and Jennifer’s other responsibilities limit her to one class at a time. Even though she won’t alumnu for a few more years, she plans to complete her degree and become a middle school teacher. She enrolled in a new developmental math course at Austin Community College( ACC) after being out of a traditional classroom for more than 20 years, and has now successfully completed her college algebra requirements. In March, Dr. Biden met Jennifer at ACC and learned about the campus’ high-tech learning lab that offer more than 600 computer stations for individualized learning and small group sessions, highlighting the ways community colleges are flexible and support for students to stay on track to earn their degrees. Jennifer works as a massage therapist and lives in Austin, Texas with her family.

Edith Childs( Greenwood, SC )

Greenwood County Councilmember

When then-Senator Obama visited a June 2007 campaign stop in Greenwood, South Carolina, a small group of 38 advocates captured the enthusiasm and drive that defined the election. And Edith Childs, a Greenwood County Councilmember, summed up the passion with a simple chant: “Fired up! Ready to go! ” When she noticed Senator Obama’s surprise at a fairly small collect, she sought to energize the crowd calling out, “Fired up! ” to which they replied “Fired up! ” “Ready to go! ” she countered. This call and reaction captivated larger and larger mob, and became widely recognized as the unofficial motto of the 2008 and 2012 campaigns. In December 2009, President Obama invited Edith to the White House for the first vacation gala hosted by the Obamas in recognition of her ability to distill the enthusiasm that helped carry him to the White House. Edith lives in Greenwood with her husband, Charles. They have three children and six grandchildren.

Cynthia “Cindy” K. Dias( Las Vegas, NV )

Veteran, Veterans Homelessness Advocate

Cynthia “Cindy” K. Dias is a Navy veteran who served during the course of its Vietnam War in a hospital ship as a registered nurse. She managed care for wounded soldiers, and ran alongside the Chaplin as the designated official to provide notification and care for families of wounded and deceased officers. After her service, she worked as a registered nurse in Florida and Louisiana and eventually moved to Las Vegas, where she was diagnosed with post-traumatic stress and lost her task before eventually also losing her home. She found a place to live at Veterans Village, a non-profit working with the towns of Las Vegas to provide resources for homeless veterans. She now volunteers with Veterans Village, and she works to care and advocate for veterans in the city. In November 2015, Las Vegas announced it had housed every homeless veteran as part of the Administration’s Mayors Challenge to Aim Veteran Homelessness. This challenge was launched in 2014 by First lady Michelle Obama as proportion the First lady and Dr. Biden’s Joining Forces initiative.

Mark Davis( Washington , D.C .)

Small Business Owner

A former basketball player in Washington , D.C ., Mark Davis was inspired by the President’s focus on climate change to do something to protect countries around the world and help his community. Mark took classes, got certified, and started a small business that trains low-income individuals to install solar panel and prepares community members for local green tech tasks. Mark’s company, WDC Solar, is growing, profitable, and dedicating back. Since 2012, WDC has installed more than 125 solar systems in D.C. at no cost to homeowners with good credit through taxation credits and private monies. One of Mark’s proudest moments is collaborating with D.C. Sustainable Energy Utility to start a low-income program that has provided funding to install panels on more than 300 homes. And once the members of the commission are installed, the extra power outcomes in a profit every month- money going back in local communities he’s working to transform. In 2016 he plans to implement similar programs in New York, Pennsylvania and Georgia.

Cary Dixon( Huntington, WV )

Mother, Opioid Reform Advocate

In October, Cary Dixon joined the President at a community forum in Charleston, West Virginia, on the opioid epidemic and spoke candidly about the fight of having an adult infant with a substance utilize ailment. Prescription drug abuse and heroin use have taken a heartbreaking toll on too many Americans and their families, while straining law enforcement and treatment programs. The President believes that resources should be put toward avoiding substance utilize ailments from developing and getting effective treatment to those who need it. As many families have learned, substance utilize ailments do not discriminate and Cary has turned her experience into action, speaking up for those who are often too stigmatized to say anything. “For too long, we’ve been silent, ” she told the panel. “And I think that is holding us back. We need to open our voices so that people don’t feel ashamed. This is a disease. It is a sickness.”

Lydia Doza( Klamath Falls, OR // Anchorage, AK )

College Student, STEM Advocate

Originally from Anchorage, Lydia Doza’s upbringing in three Alaskan tribes- Inupiaq, Tsimshian, and Haida- as well as her grandmother Joanne’s influence taught her the value of an education and the importance of mentorship. She detected her passion for engineering early on through her high school robotics squad, and, through her involvement with the Administration’s Generation Indigenous initiative to subsistence Native American youth, she’s engaging with rural youth in disciplines across the STEM fields to apply their skills and education. Lydia, 24, is currently seeking a degree in software engineering technology at Oregon Tech, where she’s also an event organizer for Engineering Diplomats, which focuses on outreach to kids as young as three years old through high school to foster a career in engineering. After procuring her bachelor’s degree, Lydia hopes to work full period as a software engineer while continuing her involvement in the community to promote the importance of STEM and higher education. Lydia ultimately hopes to pursue a master’s degree in data science and foster more women to go into STEM. Lydia’s mother, Maria Graham, and two brothers, Dorien and Leland, live in Wasilla, Alaska.

Refaai Hamo( Troy, MI )

Syrian Refugee

Growing up in Syria, Refaai Hamo lived what seemed to be the kind of life associated with the American Dream- the son of a farmer and housewife, he worked construction at night to pay his style through college on his style to a PhD, wedded his college sweetheart and constructed a family together. This life and happiness changed eternally when a Syrian government anti-personnel missile tore through the complex Refaai designed and where his family lived; in total seven members of his family members succumbed, including his wife and one daughter. After the bombing, he fled to Turkey but couldn’t make a living without a residence permit and was diagnosed with stomach cancer in a country where he couldn’t attempt treatment without insurance or health benefits. After two years in Turkey, he received refugee status to move to Troy, Michigan. Refaai’s story was featured on the website Human of New York, where he received an outpouring of support and sympathy- including from the President. The President wrote in response to his narrative, “Welcome to your new home. You’re part of what attains America great.” Refaai arrived in Detroit with his three daughters and son on December 18, and like other families displaced from their homeland, they hope to find a new one in America.

Lisa Jaster( Houston, TX )

Major, U.S. Army Reserve, Ranger School Graduate

Major Lisa Jaster became the first female Army Reserve policeman to graduate from the Ranger School, the elite leadership course of the Army. The 37 -year-old engineer and mom of two is only the third woman to graduate from Ranger School, which began including female soldiers last year following an Administration directive to lift the ban on women in combat. Lisa graduated from the United States Military Academy in West Point, New York in 2000. She was on active obligation for seven years and deployed in support of both Operation Enduring Freedom and Operation Iraqi Freedom before leaving active obligation in 2007 to work at Shell Oil Co. In 2012, Lisa returned to service, joining the U.S. Army Reserve, and took a leave of absence from Shell last April to pursue Ranger School. She is married to a Marine with whom she has two children, aged seven and three.

Mayor Mark Luttrell( Shelby County, TN )

Shelby County Mayor

Throughout his career in public service, Republican Mayor Mark Luttrell has built the partnership agreement with local, state and federal agencies, and his unique background has focused him on criminal justice reform. As mayor of Shelby County, Tennessee, he helped generate specialty tribunals for narcotic, mental health, and veterans’ suits to provide resources for effective rehabilitation instead of ineffectual incarceration. The county also put in place measures to reduce recidivism by streamlining and pooling resources to better provide formerly incarcerated someones with the tools they need to re-enter society. Afterward, he was appointed as Director of Corrections for Shelby County, Tennessee and served there until he was elected Sheriff in 2002 and subsequently as Mayor in 2010. Mayor Lutrell and his wife, Pat, have three children and six grandchildren.

Gov. Dannel P. Malloy( Hartford, CT )

Connecticut Governor

Currently in his second term as Governor of Connecticut, Dannel P. Malloy has pursued many of the progressive priorities that the President laid out to stimulate America stronger. From his criminal justice reforms, including a “Second Chance Society” initiative that emphasizes successfully reintegrating someones with nonviolent offenses into society, to common-sense gun safety laws following the shooting at Sandy Hook Elementary, Gov. Malloy has balanced important social reforms with strong economic priorities: Connecticut led America as the first state in the country to raise the minimum wages to $10.10 and pass legislation guaranteeing paid sick leave. Gov. Malloy also supervised the successful implementation of the Affordable Care Act, driving down the state’s uninsured rate to historic lows and delivered the best task growth since the 1990 s. Gov. Malloy and his wife, Cathy, have three sons, Dannel, Ben and Sam.

Braeden Mannering( Bear, DE ) Let’s Move ! After attending the White House Kids’ “State Dinner” as part of Let’s Move ! and hearing the President and First Lady’s challenge for kids to make a difference in their own communities, Braeden Mannering, 12, was inspired to act. Braeden started his own nonprofit, Brae’s Brown Bags( 3B ), which provides healthy food to homeless and low-income individuals in his community. His mission is also to raise awareness about the problems of food insecurity and poverty, and to empower and inspire youth across the nation to become part of the solution. To date, Braeden has activated more than 2,600 volunteers, more than 4,500 “brown bags” of healthy food, and created more than $52,000 for starvation relief. He co-hosted the first “hunger conference” in Delaware to include youth, and he continues to spread his mission in Delaware and other nations, speaking at schools, conferences, and legislative sessions. Braeden is in sixth grade at Gauger-Cobbs Middle School and lives in Bear, Delaware with his mother Christy, stepfather Brian, brother Finnegan and sister Amelia. Braeden’s father, Michael, his fiancee Jennifer and their son Michael live in Middletown, Delaware. Satya Nadella( Bellevue, WA )

Microsoft CEO

Satya Nadella is Chief executive officer of Microsoft, a position he’s held since February 2014 at the company he joined in 1992. Microsoft has been a leader in expanding access to computer science in K-1 2 classrooms, and in Teach.org, a private public partnership to increase awareness of and support for the teaching profession. In September, the company announced a new $75 million effort to expand computer science education, including opportunities for engineers from Microsoft and other companies with teachers to team-teach computer science. In October 2015, under Satya’s leadership, Microsoft increased its paid leave benefits by eight weeks and now includes 20 weeks of paid leave for new mothers and 12 weeks for non-birth parents. Originally from Hyderabad, India, Satya received a master’s in computer science and a master’s in business administration from the University of Wisconsin- Milwaukee and University of Chicago, respectively. Satya and his wife, Anupuma, have three children.

Jim Obergefell( Cincinnati, OH )

Activist

Jim Obergefell was the named plaintiff in the landmark matrimony equality lawsuit Obergefell v. Hodges , which ruled same-sex couples nationwide have the Constitutional right to marry. In 2013, Jim wedded his partner of 20 years, John, who was dying of ALS. Their matrimony- performed in Maryland- wasn’t recognized in their home state of Ohio, defining off a legal proceeding over whether the matrimony should be recognized under Ohio law and listed on John’s death certificate. While they won the initial legal combat, Ohio appealed, and their lawsuit eventually built its style to the Supreme court, which declared matrimony equality the law of the land. Jim considers himself an accidental activist, one who became entwined in a political statement larger than himself- a statement of equality and dignity that Americans have been fighting for since this nation’s founding- and he now remains committed to ensuring the civil rights for all Americans.

Chief Kathleen O’Toole( Seattle, WA )

Police Chief, Community Policing

Since 2014, Chief Kathleen O’Toole has led the Seattle Police Department in developing its approach to community policing, and her focus on improving policeman morale, enforcing new policies and optimizing department resources has received national attention. Under her leadership, government departments tested a six-month pilot program for body-worn police cameras focused on public transparency, and the Department of Justice awarded government departments a $600,000 grant to expand the program. Last year, the Seattle Police Department presented its policies at the White House Police Data Initiative as part of its renewed emphasis on accountability and transparency. Prior to Kathleen’s role as Chief, she served as Chief Inspector of the Gardia Siochana Inspectorate in Ireland, responsible for developing best practices of the Irish police services and rose the ranks of Massachusetts law enforcement, finishing as the first female Boston police commissioner in 2004. Chief O’Toole is married to a retired police detective, Dan O’Toole, and they have a daughter, Meghan.

Ryan Reyes( San Bernardino, CA )

Activist

Ryan Reyes’s partner Larry “Daniel” Kaufman was one of the 14 victims of the December 2 terrorist attack at Inland Regional Center in San Bernardino, California. Daniel was a task trainer for adults with developmental disabilities at the Coffee N More shop, and he was on his lunch break at the time of the two attacks. He is credited with saving the lives of four people when he alerted others, urging them to safety, before being shot and killed in the two attacks. Since Daniel’s death, Ryan, 32, has been vocal about the need for tolerance of all and rejection of the radicalized. “I speak for both Daniel and myself when I say that this attack should NOT encourage people to treat Muslims any differently than they would anyone else, ” he wrote to media in the aftermath of the attack. “The twisted actions and faiths of a few should not be used to position the majority.”

Ronna Rice( Greeley, CO )

Small Business Owner

A family-operated company since 1924 across five generations, Rice’s Lucky Clover Honey specializes in American raw and unfiltered honey for exportation globally. As CEO, Ronna Rice results the business. The company has expanded across the U.S. and around the world, most recently in Japan, South Korea and China, letting the company to grow domestically and hire more employees. Rice’s Lucky Clover Honey has exportation marketings per year of about $500,000, and the 15 jobs in the company are supported by those exportations. The company is based in Greeley, Colorado, and Ronna runs the company with her husband Jim, their three children, their son-in-law and a family friend.

Cedric Rowland( Chicago, IL )

ACA Navigator

Cedric Rowland is the result navigator for Near North Health Service Corporation in Chicago. Running with people to find the best schemes available at a price they can afford, Affordable Care Act navigators help people across the country take advantage of the benefits of the Affordable Care Act, and are part of the success of the law. Since November 1, 2015, virtually 11.3 million consumers- more than 3 million of them new clients- have signed up for health care in this open enrollment alone. Our uninsured rate is at the lowest rate on record, coverage is affordable, and we’re ensure a historic slowdown in the growth of health care costs. Cedric’s role in this progress can be seen in the story of Stephanie Lucas. Stephanie has diabetes and no longer qualified for Medicaid, but with Cedric’s help she transitioned to a Marketplace plan that met her needs and let her keep her doctor at a price she could afford- $62 a month after taxation credits. Stephanie will watch the State of the Union from the White House. She thanks Cedric, and navigators like him, for helping Americans enroll in quality, affordable health care under the Affordable Care Act. Cedric is a new father of a baby girl.

Naveed Shah( Springfield, VA )

U.S. Army Veteran

Naveed Shah, originally from Saudi Arabia, grew up in the Washington , D.C. suburb of Springfield, Virginia after immigrating to the United States with his Pakistani mothers. Like many immigrants who arrive here as children, Naveed noted that his birth country felt foreign while America is home. The terrorist attack on September 11, 2001 marked the ultimate twisting of Naveed’s faith- something he set out to combat, enlisting in the U.S. Army in 2006. He served our country for four years and used in order to Iraq in support of Operation Iraqi Freedom. Naveed returned to his hometown in 2010 for college and to work with veterans groups assisting in the transition between military and civilian life. When not volunteering, Naveed works as a real estate agent in Virginia and lives with his fiance, Ashley, and 7-year-old son, Yusuf.

Earl Smith( Austin, TX )

Veteran

Earl Smith first met then-Senator Barack Obama in February 2008 on the campaign trail at the Austin Hyatt Regency where he worked as the director of security. Encountering him in an elevator, Earl devoted the Senator a military patch he had worn serving with an artillery brigade in Vietnam that sustained 10,041 casualties and received 13 Medals of Honor. Smith had held onto his patch for 40 years- from Vietnam, to his 1977 forgivenes after three years in prison for a wrongful conviction, to global work in the hospitality industry- before parting with it in the elevator that day. Then-Senator Obama carried the patch in his pocket for the rest of the campaign, but Earl had no idea of potential impacts his narrative had on the President until he heard it immediately from him in the Oval Office in 2013. The patch will be archived in the Obama Library- a reminder of the ones who made up the movement that led the President to the White House. Earl and his wife of virtually 35 years, Claudia, have two children.

Spencer Stone( Sacramento, CA )

Staff Sergeant, U.S. Air Force

While on a Paris-bound train with his childhood friends Anthony Sadler and U.S. Army Specialist Alek Skarlatos, Spencer Stone built headlines worldwide in August when the three Americans avoided a potentially catastrophic act of terrorism. Spencer, his two friends and a fourth British passenger subdued a gunman armed with a box cutter, a pistol, a can of lighter liquid, and an assault rifle with 300 rounds of ammo as he tried to open fire aboard the crowded train. While constraining the suspect who repeatedly slashed with the box cutter, Spencer incurred injury to his neck and hand, virtually losing his thumb, and upon return to the United States received a Purple Heart, the Airman’s Medal, and a promotion to Staff Sergeant. The President invited the three friends to the White House where he thanked them in person for saving so many lives and for representing the U.S. with heroism and humility. The 23 -year-old EMT hopes to continue his work in medicine and lives in Sacramento, California.

Oscar Vazquez( Fort Worth, TX )

Veteran, DREAMer, STEM leader

Like many DREAMers, Oscar came to the United States as small children in search of a better life. From age 12 where reference is moved from Mexico to Phoenix, Arizona, Oscar excelled in the classroom. He excelled as a STEM student at Carl Hayden High School and led an unlikely and inspiring narrative of a group of under-resourced Hispanic high school students who took on an MIT team in an underwater robotics competition and won. That possibility led to a college education in the STEM field, earning a B.S.E. in mechanical engineering from Arizona State University in May 2009. But without legal status, he couldn’t procure a task to provide for his new spouse and newborn infant. He returned to Mexico to apply for a visa, and with help from Sen. Dick Durbin, who spoke from the Senate Floor about Oscar’s case, he was granted a green card in August 2010. Six months later, Oscar enlisted in the Army to serve the country he loves and calls home. Oscar served one tour in Afghanistan and is now a proud U.S. citizen. He now works for Burlington Northern Santa Fe Railways as a business analyst in a web app development squad, and is a passionate advocate on behalf on expanding STEM opportunities for Latino and other under-represented youth.

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Facts About Group Dental Insurance In Charleston And Parkersburg, WV

Taking care of the employees may become a dilemma for small company owners who do not have a large sum to spend on employee benefits. No worries! Such employers can always choose to provide different types of group insurance plans that earn the workers' gratitude. Attrition is thus kept in control, and recruitment of the best talent becomes simpler. Apart from providing traditional health insurance to the workforce, the company management also finds it effective to offer group dental insurance in Charleston and Parkersburg, WV.

The company owner must research and learn about such group insurance plans before committing. It, therefore, suffices to know the following facts:

· The employer usually provides group dental insurance to the employees or a specific group of employees hired to work for the company.

· The insurance policy includes coverage through a licensed dentist who provides preventive care, regular dental check-ups, and takes care of trauma or injuries as needed. Filings and crowns are also covered by group insurance.

· Employers may offer this type of group insurance either in isolation or as a part of the employee benefits package that includes several types of advantages for the workers

· The insured person or entity has to pay a monthly premium to keep the insurance active. It comes with an out-of-pocket cost for additional services

· The group plans necessitate the use of an in-network provider with certain limitations. It is most important to go through the terms & conditions of the insurance document before signing on the dotted line.

Types of Group Dental Insurance Plans

The plans are classified into three diverse types with varied services offered to the individual in the group. These are:-

· Preventative and diagnostic services- Regular and routine dental check-up is part of preventive care. The dentist will order X-rays, blood tests, and other diagnostic procedures to identify the cause of trouble. The professional also provides oral care advice with instructions provided for doing it properly.

�� Basic restorative care- One may require fillings or the addition of crowns, bridges, or dentures to restore the appearance. However, proper preventive care can enable one to avoid restorative care to a great extent.

· Major restorative care- Dental implants of substantial expenses are regarded as major restorative procedures. Any process involving anesthesia and surgery is also considered a major service.

Benefits

The advantages of being covered by group dental insurance vary according to the plan selected. The options that the employer usually prefers may be any of the following:

DHMO ((Dental Health Maintenance Organization)

· The primary care dentist is chosen · Referrals are provided by the dentist when the patient needs specialist care · Network doctors & facilities are used to avoid additional costs

PPO (Preferred Provider Organization)

· The insured person is free to select the dentist · No referrals are needed for seeing specialists · Network doctors & facilities may be used to reduce the costs, but out-of-network dentists may also be used at extra costs.

Group life insurance in Charleston and Huntington, WV, benefits the employees who are covered by insurance for life that helps their family avoid financial problems after the untimely death of the said worker.

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Mark E. Snapp & Associates specializes in small business health insurance in Princeton and Martinsburg, WV. We also offer group life insurance plans in Huntington and Charleston, WV, tailored to your company's needs.

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The Mark E. Snapp & Associates team is pleased to serve the West Virginia and Palm Beach communities. We help small business owners choose life and disability insurance options appropriate for their employee benefit plans.

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Mark E. Snapp & Associates is a proud provider of insurance in West Virginia and the Palm Beach area. Our highly skilled and competent team has supplied affordable corporate health insurance, including group health insurance, group life insurance, short-term and long-term disability, group dental insurance, vision insurance, and more! Contact us to learn more about the various employee benefits we provide.

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Mark E Snapp & Associates, Inc. has helped employees and businesses since 1995. They offer group health insurance, group life insurance, short-term disability, long-term disability, and group dental and vision insurance.

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Mark E Snapp & Associates, Inc. has offices in Charleston, West Virginia, and Palm Beach, Florida. Our firm has established a reputation for excellence in delivering employee benefits, group health & life insurance, dental & vision, HRA, and more.

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Mark E Snapp & Associates, Inc. has offices in Charleston, West Virginia, and Palm Beach, Florida, and offers employee benefits. Our business health insurance offerings include group health insurance, group life insurance, short-term disability, long-term disability, group dental, and vision insurance.

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Our Mark E. Snapp & Associates team is proud to serve the West Virginia and Palm Beach area. We assist small business owners in selecting life and disability insurance suitable for their employee benefit plans.

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Mark E. Snapp & Associates can help you learn more about tax-advantaged group health plans, such as health savings accounts, health reimbursement arrangements, flexible spending accounts, premium-only plans, and more!