Letter to the Editor: “We can have it if we want it badly enough!”

 Daily News  Comments Off on Letter to the Editor: “We can have it if we want it badly enough!”
Feb 082016
 

Editorial Comment by Joanne Cvar

The 2016 election campaign is bringing media attention to health care reform, including scare tactics about the cost and viability of comprehensive universal health care.

Contrary to claims that comprehensive quality health care for everyone in the country would “break the bank,” such existing systems in Canada and Scotland spend about 40% less for universal health care coverage than we spend for our system, with better outcomes. And the Affordable Care Act currently leaves about 33 million people uninsured and many more under-insured.

Surprisingly,the cost of health care coverage for all those uninsured Americans would not raise taxes as much as the media claims. As it turns out, taxpayers already pay two-thirds of the health care dollar in the US. In addition to Medicare and Medicaid. the VA and the Centers for Disease Control and Prevention, American taxpayers, including the uninsured, pick up the tab for the benefit costs of state and federal public employees like teachers, FBI agents, firefighters and members of Congress. We also pay for the tax subsidy granted by the ACA to private health insurance, about $326 billion a year, expected to increase to $538.9 billion by 2024.

An expanded Medicare for All system in the US would result in massive savings in administrative costs. Canada and Scotland, with universal health care, pay about 16.7 cents of the health care dollar for billing and administration, while we pay about 31 cents here. We could save $400 billion annually on paperwork alone, enough to cover all of the uninsured and eliminate co-payments and deductibles for the rest of us..Without those savings, there is no way to pay for expanded coverage.

We already pay for universal health care. We just aren’t getting it. We need to counter the misinformation the media is spreading with the facts. Voters will support new taxes if they know the money will be well spent to bring health care justice to the USA at last.

 Posted by at 10:39 PM

Donate to Seaside Police Sgt. Goodding’s surviving family

 Daily News  Comments Off on Donate to Seaside Police Sgt. Goodding’s surviving family
Feb 082016
 
Officer Jason Gooding Murdered while trying to serve a warrant on a wanted man in Seaside.

Officer Jason Gooding
Murdered while trying to serve a warrant on a wanted man in Seaside.

Citizens interested in helping support the Family of Sgt. Goodding in their time of loss
with monetary contributions may do so in one of two ways:

1. Donate through any U.S. Bank branch in Seaside or nationally.
Checks should be made out to the Oregon Fallen Badge Foundation and the memo line should read: for the Goodding family. 100% of all donations will be contributed directly to the family. Cash, checks, and transfers are all accepted. Please make sure to mention the Oregon Fallen Badge Foundation and the Goodding family when donating.

2. Donations can also be made through the Oregon Fallen Badge Foundation website at oregonfallenbadge.com and follow the link marked “Donate to
OFBF”. When making your donation, after entering your payment information
and going to the next page, click on the “Add special instructions for
recipient” and type “for the Goodding Family” before submitting your
payment.

3. Donations can also be make through Go Fund Me. Click here.

 Posted by at 9:42 PM

Moda Insurance is back on solid ground – Policyholders are fine.

 Daily News  Comments Off on Moda Insurance is back on solid ground – Policyholders are fine.
Feb 082016
 

Screen Shot 2016-02-08 at 9.00.59 PM

The Oregon Department of Consumer and Business Services issued a consent order today that outlines a plan for Moda Health Plan (MHP) to stabilize its financial position and continue to serve its customers. As a result, the department has lifted the January 27 order of supervision and MHP will resume selling and renewing policies to both individual and group customers in Oregon and Alaska.

The steps outlined in the order will generate more than $170 million for MHP, providing sufficient capital and surplus to continue operations. That means all MHP policyholders – including those who have individual, group, Medicaid, and Medicare supplement plans – will be able to keep their plans. All premiums, cost-sharing, networks, and benefits will remain the same.

DCBS worked in close partnership with the Alaska Division of Insurance and the Washington State Office of the Insurance Commissioner to achieve this outcome.

“This course of action is the best option for consumers because it will not disrupt their current policies,” said Patrick Allen, DCBS director. “These steps will provide a financial cushion so the company can make good on the commitments it has made to Oregonians.”

The requirements in the order include:

* Providing coverage and service to its individual policyholders in Oregon and Alaska through Dec. 31, 2016.
* Establishing a bank deposit for the benefit of Alaska policyholders.
* Selling a portion of money owed to MHP by the federal government.
* Providing additional, more frequent reporting to DCBS and the Alaska Division of Insurance.
* Selling a combination of assets, including some held by Moda, Inc., and making all proceeds available to MHP. These transactions, several involving third parties, will bring new capital to MHP.
* Obtaining DCBS approval from before awarding executive salary increases or bonuses.
* Obtaining surplus notes, which are debt instruments considered capital and surplus.
* If Moda does not complete all the requirements as scheduled, the department retains the ability to take swift action.

“While we expect Moda to comply with the order, we will have the ability to take further steps, if needed,” Allen said. “Our utmost concern is protecting Oregon policyholders.”

For all MHP policyholders, there should be no disruption of services and consumers do not need to take action.
If consumers have any problems or questions, they can call the department’s consumer advocates at 1-888-877-4894 (toll-free). Frequently asked questions are available on its website: http://www.oregon.gov/DCBS/Insurance/insurers/regulation/Pages/moda-faqs.aspx.

 Posted by at 9:01 PM

Pucker up at the Oregon Coast Aquarium on Valentine’s Day!

 Daily News  Comments Off on Pucker up at the Oregon Coast Aquarium on Valentine’s Day!
Feb 082016
 

Sea Lions practicing for the big day with Humans! OCA photo

Sea Lions practicing for the big day with Humans!
OCA photo


Sea Lion trying real hard to stay still while the photographer frames the shot! OCA photo

Sea Lion trying real hard to stay still while the photographer frames the shot!
OCA photo

Pucker Up on Valentine’s Day at the Aquarium!!

Valentine’s Day is the perfect excuse to share tokens of affection. At the Oregon Coast Aquarium in Newport, that means whiskery seal and sea lion smooches.

The Aquarium is honoring this annual celebration of love by providing visitors with an opportunity to experience kisses unlike any other at a discounted price on February 13, 14, 20 and 21.

Sharing an affectionate moment with such unique, charismatic animals may be entertainment for Aquarium guests, but this interaction is serious business for the Aquarium’s animals.

The staff at the Aquarium design variable and unique experiences, called enrichment, for the animals under their care to keep their minds active. The contact these animals share with the public is just a small part of their enrichment programs, and adds a new dimension to their role as ambassadors for their species.

This unforgettable experience, normally $35 per person, is available to anyone eight years and older for $25. Availability is limited. Kisses must be booked in advance at aquarium.org with the promotion code kiss2016.

Those that prefer to earn, rather than pay, for a special experience with marine animals also have options. The Aquarium provides private animal encounters to volunteers when they reach certain volunteer hour milestones.

Consequently, the Aquarium is currently accepting applications for their volunteer training program – a six weekend crash course on interpreting marine science and Oregon coast wildlife to Aquarium visitors.

To complete an application to join the Aquarium’s volunteer team, visit aquarium.org or contact the Aquarium’s Volunteer Services department at volunteer@aquarium.org.

 Posted by at 3:11 PM

KSHL Radio is changing their spot on the dial Tuesday morning. It’ll be 93.7 FM

 Daily News  Comments Off on KSHL Radio is changing their spot on the dial Tuesday morning. It’ll be 93.7 FM
Feb 082016
 
KSHL new dial position! 93.7 FM Starting Tuesday morning

KSHL new dial position!
93.7 FM
Starting Tuesday morning

From the gang at KSHL!

Big News for all our KSHL Listeners and Clients!

KSHL 97.5 FM – moving to 93.7 FM!

Starting Tuesday morning KSHL will be found on a new position on the dial as the newest frequency in Lincoln County, featuring the oldest and BEST Country radio station you know and love, KSHL. Nothing else will change – Leslie every morning with the latest local news and your favorite music – all 100% locally programmed country hits.

Your favorite sales reps – Keri Mills and Barb Fredric serving all your marketing needs! Even the location of the offices in Newport will remain the same.

KSHL continues to operate under the direction of Richard and Stephanie Linn.

So, reset your dial to 93.7 and enjoy the “Big Move”

Thanks for over 23 years of great success and we’re keeping it going at 93.7 FM starting Tuesday morning.

Stephanie Linn

 Posted by at 1:56 PM

Woman in a very cold Yachats River – hypothermic – groggy.

 Daily News  Comments Off on Woman in a very cold Yachats River – hypothermic – groggy.
Feb 082016
 

1:34pm
A woman kayaking down the Yachats River near 1861 Yachats River Road fell out of it and was tossed into some very cold water.  She’s with someone else who is directing a medic unit in to pick the woman up.

1:45pm
They’ve got the woman in sight. She’s on the south bank of the river. They’re going to send a swimmer across in a wetsuit and suit her up and bring her back to the north bank. She’s really cold.

2:40pm

Yachats Fire Rescue has rescued the woman…hauled her from the south shore of the river to the north shore and got her loaded inside an ambulance to warm her up.

2:57pm

Now they’re retrieving her kayak.

 Posted by at 1:36 PM

Changes to Social Security Claiming Strategies

 Daily News  Comments Off on Changes to Social Security Claiming Strategies
Feb 082016
 

Click Ad for Details

Click Ad for Details


Duane J. Silbernagel Financial Advisor Waddell & Reed

Duane J. Silbernagel
Financial Advisor
Waddell & Reed

Changes to Social Security Claiming Strategies
By: Duane J. Silbernagel
Sponsored Content

The Bipartisan Budget Act of 2015 included a section titled “Closure of Unintended Loopholes” that ends two Social Security claiming strategies that have become increasingly popular over the last several years. These two strategies, known as “file and suspend” and “restricted application” for a spousal benefit, have often been used to optimize Social Security income for married couples.

If you have not yet filed for Social Security, it’s important to understand how these new rules could affect your retirement strategy. Depending on your age, you may still be able to take advantage of the expiring claiming options. The changes should not affect current Social Security beneficiaries and do not apply to survivor benefits.

File and suspend

Under the previous rules, an individual who had reached full retirement age could file for retired worker benefits–typically to enable a spouse to file for spousal benefits–and then suspend his or her benefit. By doing so, the individual would earn delayed retirement credits (up to 8% annually) and claim a higher worker benefit at a later date, up to age 70. Meanwhile, his or her spouse could be receiving spousal benefits. For some married couples, especially those with dual incomes, this strategy increased their total combined lifetime benefits.

Under the new rules, which are effective as of April 30, 2016, a worker who reaches full retirement age can still file and suspend, but no one can collect benefits on the worker’s earnings record during the suspension period. This strategy effectively ends the file-and-suspend strategy for couples and families.

The new rules also mean that a worker cannot later request a retroactive lump-sum payment for the entire period during which benefits were suspended. (This previously available claiming option was helpful to someone who faced a change of circumstances, such as a serious illness.)

Tip: If you are age 66 or older before the new rules take effect, you may still be able to take advantage of the combined file-and-suspend and spousal/dependent filing strategy.

Restricted application

Under the previous rules, a married person who had reached full retirement age could file a “restricted application” for spousal benefits after the other spouse had filed for Social Security worker benefits. This allowed the individual to collect spousal benefits while earning delayed retirement credits on his or her own work record. In combination with the file-and-suspend option, this enabled both spouses to earn delayed retirement credits while one spouse received a spousal benefit, a type of “double dipping” that was not intended by the original legislation.

Under the new rules, an individual eligible for both a spousal benefit and a worker benefit will be “deemed” to be filing for whichever benefit is higher and will not be able to change from one to the other later.

Tip: If you reached age 62 before the end of December 2015, you are grandfathered under the old rules. If your spouse has filed for Social Security worker benefits, you can still file a restricted application for spouse-only benefits at full retirement age and claim your own worker benefit at a later date.

Basic Social Security claiming options remain unchanged. You can file for a permanently reduced benefit starting at age 62, receive your full benefit at full retirement age, or postpone filing for benefits and earn delayed retirement
credits, up to age 70.

Although some claiming options are going away, plenty of planning opportunities remain, and you may benefit from taking the time to make an informed decision about when to file for Social Security.

I hope you found this beneficial and informational. For more information about me and my services, visit my website:
www.duane.wrfa.com
Thank you for your interest.

Continue reading »

 Posted by at 11:52 AM

Change is a-foot at North Lincoln Hospital!

 Daily News  Comments Off on Change is a-foot at North Lincoln Hospital!
Feb 082016
 
Dr. Darrell Prins Joining Samaritan Health North Lincoln Hospital Courtesy photoi

Dr. Darrell Prins
Joining Samaritan Health
North Lincoln Hospital
Courtesy photoi

Lincoln County Foot Health Center becomes part of Samaritan

Samaritan Health Services and Dr. Darrell Prins, DPM, announce that as of Feb. 1, Lincoln County Foot Health Center has become a clinic of Samaritan Health Services.

The newly named Samaritan Foot Health Clinic will remain in the same location near Samaritan North Lincoln Hospital on West Devils Lake Road.

“Patients can expect the same level of care that they have come to appreciate from our staff,” said Prins, who will remain in practice at the clinic. Prins is the second podiatrist for Samaritan Health Services, joining Scott Doherty, DPM, at Samaritan Orthopedic Surgeons in Newport.

“This will help us better serve our patients’ health care needs,” explained Samaritan North Lincoln Hospital Chief Executive Officer Lesley Ogden, MD. “Dr. Prins will be a wonderful addition to the Samaritan team, and his specialized services will help us further meet the needs of residents in the Lincoln City community.”

 Posted by at 9:23 AM