stress

Holidays Can Be Happy, Healthy & Pain Free!

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December brings joy and festivities, but it also can increase our stress. Despite our efforts to slow down and focus on what matters most, the normal hustle and bustle of this season often affects our overall health.

For some, the holidays can create difficult demands on our time, relationships or finances. For others, the “I can do it all” mentality kicks into high gear this time of year. That’s stressful! And even if your month is filled with fun activities with friends and family, December can take its toll. Simply juggling more commitments and feeling the holiday crunch on our calendars can prompt physical problems, from aches and pains, to decreased immunity, to less emotional resilience when we face stressful situations.

The interesting thing is, from a physical standpoint, our bodies don’t always react proportionally to stress. When we perceive stress, our nervous system responds, even if the stressor is not a true physical threat. Over time, the affect of even small stressors may be enough to kick our bodies into “fight or flight” mode. And that can create problems. The typical result is getting stuck in a negative neurological pattern, rather than adapting and coming back into balance, as our bodies were designed to do.

When functioning properly, our bodies have a wonderful ability to adapt and adjust. Stress undermines that natural ability. With upper cervical care that aligns the top vertebrae, our spine can reset itself. This alleviates pain, bolsters immunity and helps the whole body heal. So this year, make your own holiday wellness plan and hit the “reset” button on seasonal stress.

My holiday wish for you is to spend the season happy, healthy and pain free!

The Most Ignored Stress Factor

Living too long or dying too soon…..
 
Proper planning can reduce stress for you and for your loved ones.  We help families and business owners prepare for living too long and for dying to soon.

Living too long can be a huge financial burden but there are options to leverage your dollars today so you can take care of yourself later. 

What if you couldn’t dress or bathe yourself? 

Four myths that may stop you from planning for long term care expenses:

1.  It won’t happen to me!

  • Reality is 70% of all individuals turning 65 will need some form of long term care during their lifetime

2.  Medicare and Medicaid have me covered!

  • Reality is that Medicare only covers a portion of skilled nursing costs up to 100 days. Medicaid is only available for those with limited income/assets

3.  That’s what my savings are for!

  • Reality is that the average cost of care in a nursing home is over $97k. This will deplete savings and assets very rapidly

4.  My family will take care of me!

  • Women caring for ill parents are twice as likely as non caregivers to experience depression or anxiety.  The overall cost to a female caregiver is estimated at almost $325,000 because of lost wages and diminished working hours


Dying too young can also be a financial burden for families and business owners.  If you weren’t here today, how would that affect your loved ones or your employees.  Who would educate your children and how would they pay the mortgage without your income. 

Even if you have life insurance it is important to review your policies to review beneficiaries, coverage and pricing.  Consider the importance of estate or legacy planning as well as charitable giving in addition to family protection.

The most important part of this equation is openly communicating your needs and desires and sharing them with those you love.

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About the Author:

Dina Mabry is a founding principal at BGA Premier Insurance Solutions, Inc. in Westlake Village.  Dina and her team offer solutions for long term care, life insurance and disability insurance.  She offers complementary reviews of your current policies.

Phone: 818-601-3049
Email: dinam@bgainsuranc.com
Website: www.bgapremierinsuranc.com