‏إظهار الرسائل ذات التسميات health. إظهار كافة الرسائل
‏إظهار الرسائل ذات التسميات health. إظهار كافة الرسائل

2012 Health Savings Account Limits

مرسلة بواسطة Unknown يوم الثلاثاء، 7 فبراير 2012 0 التعليقات

2012 Health Savings Account Limits



Every year, the Internal Revenue Service (IRS) sets the Health Savings Account (HSA) contribution limits. "Contribution" is the money you place in your HSA that may be deducted from your annual income tax.
Last year, the limits remain unchanged because the increase in the cost of living was holding steady. That was attributed to the economic crisis then, but the IRS has announced that the 2012 HSA contribution limits will increasing slightly.
What Are Health Savings Accounts?
Basically, a Health Savings Account is a tax-advantaged account that is linked with a qualified high-deductible health plan. You can set up an HSA with private insurance companies and banks, too. Health Savings Accounts are primarily used to pay for qualified health care expenses tax-free and help build savings for the future.
HSA annual contributions can be made by you or your employer. Even if you leave the job, you get to keep the contributions made by your employer. The earnings that you get from your HSA assets are not taxed either. The unused HSA money left at the end of the year is never lost. The balance rolls over each year.
What Are The HSA Limits For Contributions In 2012?
For individual coverage, the 2012 maximum annual HSA contribution will increase by $50 to $3,100. As for family coverage, that will increase by $100 to $6,250.
What Is The HSA Catch-Up Contribution?
As for the catch-up contribution, it remains unchanged. Persons age 55 or older can make an additional contribution of $1,000 to help them catch up with pending retirement needs.
Can I Use HSA Funds For Something Other Than Health Care?
Unless you are at least 65 years old, using your HSA money for anything other than qualified health care would trigger a 20-percent tax penalty on the withdrawal. You'd also have to pay taxes on that money. You can use your HSA dollars on qualified medical expenses for your spouse and dependents even if they are not covered by your health insurance policy. Qualified expenses can vary and include dental care, eyeglasses, chiropractic care, hearing aids and weight loss programs.
What Are The Limits For Deductibles on HSA Plans In 2012?
HSA plans are only available when you have a qualified high-deductible health insurance policy. Not all high-deductible health plans can be linked with an HSA.
As for 2012, you must have an annual deductible of not less than $1,200 for individuals or $2,400 for families. Even though a plan may fall within this range, the insurance company must agree to report to the IRS in order for a plan to allow you to start an HSA. These plans also have limits on how much you can end up spending "out-of-pocket" per year. That maximum is $6,050 for individuals and it's $12,100 for families. These numbers are not changing from 2011.

  Article Source EzineArticles

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Sleep -work disorder‏

مرسلة بواسطة Unknown يوم 0 التعليقات


Night shifts may be responsible for your sleep disorder 

if you are a doctor ,policeofficer ,factory woorker or anyone have to work night shifts or rotating shifts you are unfortunately exposed to have work shift sleep disorder. 

generally not all who work night or rotating shifts suffer from this disorder but whom suffer from it are at higher risk of accidents due to the lack of sleep &concentration ,lack of energy .be more irritable &anxiety and affects the body overall health condition. 

signs of work shift sleep disorder 

feeling redundant desire to sleep during your work time . 

insomnia and unable to fall asleep when back home. 

loss of energy and unability to concentrate. 

?why you feel asleep during your night shifts 

inside everyone of us there is a biological clock that is controlled by acenter in our brain ,this clock is programmed that the body rest time is at night and is stimulated during daytime by sunlight when you work at night you work against your nature ,and the biological clock take time to use to new situation.but this is different from person to another ,some people adapt easily than others.but it become harder when you work rotating shifts as the biological clock feel more confused . 

here are some advises to avoid &treat wok shift sleep disorder and give you better sleep time 

try not to take many night shifts in connection but separate them with several days to give yourself a chance to have sleep &repair your body. 

try to avoid rotating shifts as possible ,if you can't start your schedule by day shifts then evening then night ones act not vice versa. 

avoid long distances travel that take from your sleep time 

-during your night shift ,make your workplace brightly-lighted  

you could have one cup of coffee or tea in the start of your night shift but don't exceed that to be able to sleep when you erturn home. 

avoid bright light in your way back home , wear ahat &sun glassesto keep away sunlight and don't stop in your way to make any tasks. 

committe to specific time for sleeping &waking up. 

 ask your family to keep a quiet atmosphere while you are sleeping. 

make your sleeping room dark when you try to sleep at daytime as sunlight stimulates brain while you are trying to sleep. 

if this tips doesn't help you with your work sleep disorders 

you would better discuss that with your doctor ,he may prescribe you medications that make you alert at time of work and help you sleep at sleeping time ,but it is better to try this tips for sometime before taking medications. 

Dr.:Reham El_Sayed
DMI Team
Source: Webmd

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