October is Breast Cancer Awareness month, which serves as a reminder to many women over 40 that they need to schedule their annual mammogram. For many others, however, it is a real opportunity to spread awareness of the disease and how important early detection plans can be. While many people realize that breast cancer is something women should be thinking about, the numbers don’t always hit home. The reality of it all is that breast cancer is the most common cancer among women in the United States.
Not only is it important to be thinking about Breast Cancer Awareness in October, it should be at the forefront of our minds, and something every woman should be proactively discussing with her doctor. Creating an early detection plan will help in reminding you to perform routine breast self-exams and to schedule clinical breast exams and mammograms.
With that being said, we all heard that mammograms are painful. The systems available to check for cancer are not the most pleasant, so we’re highlighting a few tips to reduce the pain of a mammogram.
For a more comfortable mammogram:
- Don’t wear lotion, deodorant, perfume or anything else your doctor advises against because it may leave marks on the film — and you’ll have to schedule another test!
- Reduce your salt – The more salt, the more bloating and fluid retention in the breast, which causes pain and discomfort.
- Avoid caffeine – Caffeine will increase tenderness in the breast, even more so if you have benign cysts.
- If you are in extreme discomfort, speak up. Doctors may be able to adjust the machine or the compression to ease your discomfort.
Petschauer Insurance believes that it is important to be proactive and responsible about your health. We offer insurance products for you, your family and your business because your health is important. Having a health care plan that is right for you will allow you access to the many preventive screenings and care options you need. Be sure to speak with a professional of Petschauer Insurance if you have a question about your health care coverage or if you would like us to review your Supplement Plan.
With most of the Northeast already under a couple of inches of snow from Snowstorm Juno, and being warned to stay indoors until the weather clears up, we at Petschauer Insurance would like to take this opportunity to share some safety and insurance tips while you are waiting out the storm. We also ask that you keep your ears and eyes out for any news updates and weather advisory’s up until Wednesday.
Our educated staff is great at collaborating with each other and our insurance company partners to bring you these tips for critical times just like this. So, we put together a list of blogs we feel are appropriate for helping you make it through the Blizzard of 2015:
You don’t know it’s there until you or someone slips and falls. This is the scariest part about black ice… The chances of you slipping on black ice areso much higher than on regular ice covered pavements. If someone were to fall on your property, you can be held legally responsible for their injuries. To avoid these types of potential law suits, here are some important safety tips from our partners at Chubb Insurance:
- Shovel/ plow snow towards lower leveled plains, so there is no snow melt runoff.
- Position your gutters so that it drains into planted areas, or into a water drainage system and not onto sidewalks or driveways
- Don’t wait for the temperatures to drop to start putting down salt, sand or ice melt. Place the substances down before the freezing may occur.
We also suggest that you review your liability coverage with your independent insurance agent to be sure you have adequate protection as accidents do happen.
Super-storm Sandy, hurricanes, Ebola, influenza epidemics, product malfunctions or any event that may negatively affect a company’s health, image or productivity call for a business contingency plan. Risk Management should certainly be a concern for all business owners to ensure the continuance of your business operations even under the most unfavorable conditions. Here are some scenarios to consider:
- An interruption in your business operations can happen even if there is no physical damage to the property. Note that in order to trigger the business interruption coverage, there must first be damage to the property from a peril defined in the policy. Thus, without physical damage, recoveries are not “a given” and, therefore, contingency planning is an imperative to keep the doors open and business flowing.
- What type of plan do you have in place if your employees are unable to get to your physical workspace, or if the workspace becomes uninhabitable? Can your employees work from home? Do you have an alternate remote location in place?
- What about reputational damages? In today’s world of news coverage being dispersed worldwide in an instant, media spin can turn an unfortunate occurrence into a full blown crisis in no time. A planned response, trained spokespersons, and crisis intervention is certainly well worth the cost. An example, are the recent cyber-attacks suffered by major retailers. Remember that reputation and good will are extremely important, and there are insurance policies that provide coverage for reputational damages.
- Reliance on government doesn’t always line up with the objectives of privately owned and operated businesses. While it is important to follow governmental directives in a crisis, it is also necessary to ask questions and not just blindly follow along.
- As was recently seen in the Ebola crisis, healthcare systems such as hospitals are not failsafe regardless of how top notch their rating might be. Don’t rely on them to bail you out in case of such a crisis.
In our office we have Team Leaders who are ready to swing into action and implement our very detailed continuity plan so that we can remain operational to our clients if anything were to ever happen. You should too!
Karen Skoler, CPCU