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Show Sun Advocate Price, Utah Tuesday July 16, 2002 96 iweig of supplements yam: Potency 6y JOHN FORD States Congrcw in 1996, but have never really caught on as in- - financial adviser Throughout the last decade, a growing number of companies in the public and private sectors started offering domestic partner benefits to employees. , Currently, of For-tu500 companies offer domestic partnership benefits to em- - ' one-thi- rd ne Tfigure rises to more than 50 percent for employees of die Fortune 500 companies. Although the complete statistics remain elusive, die Human tended A medical savings account combines health insurance with a saving account that later is used to pay high-deducti- out-of-poc- expenses until the deduct- ible is met The theory behind MSAs is actually rather noble: By putting individuals in charge of health care purchases via the high deductible and savings account, a modicum of market discipline would be restored to die health care industry. While the policys goals i Rights Campaigns WorkNet project has documented more' than 4,000 employers that offer remains that the medical savings domestic partner health insur- account program can be a great ance benefits. way for eligible individuals to While the statistics are entrim their health care expendicouraging, the fact remains that tures. the majority of unmarried, les- -. If employers do not offer dobian and gay employees do not mestic partner benefits, consumhave access to health insurance ers should try to find out why. dr other benefits for uninsured Sometimes, the company does not provide the domestic partner partners. Generally speaking, group benefits simply because no one health insurance coverage -- what most employers provide is more affordable than individual cover- -- Other times, its because employers are unsure about the issues and costs surrounding partner! In the case in question, there are resources available to assist economy, one way to make who do not provide domestic partner coverage understand the value of the benefits programs is for talented workers to vote with their feet While the changing employment solution dearty is not a feasible approach for all Americans, people should not rule out the option if its available Jo them. AfteraO, many employees at locations across the nation have opted to switch jobs for consid- dudes the amount proportionally in each paycheck so additional income tax withholding can be spread out over the course of the tax year. The additional value of the domestic partner benefits provided by the company will be on the employees Form ra ' - ; (Continued from page 38) ., . should educate themselves before adding one or more to diets. According to Zwiefel, there are five key thin Igstoloo for when researching and shopping for dietary supplements. fjjpniihHnii- Look for a product that has a gender .themore obvious it "Hie more we learn about becomes that men and women have different needs. A good supplement will have different formulations to meet those needs." indicates Zwiefel, : 'Look for s supplement that has morning and evening for- y ' initiations. "Our bodies dont need or use nutrients all at mice, he adds. "We need different vitamins and minerals to help ia gear up and get through the day, and others to help our bodies repair themselves at night. And some nutrients counteract each other and shouldnt be taken at the same time." Read the label to make sure the formulation has been independently tested and analyzed. Supplements should be tested for potency and potential toxicity and backed up with the best research and science available. A good manufacturing source is a key element in ensuring quality. . Buy supplements in capsule form rather than tablets. ' Tablets may be cheaper to manufacture than capsules, but capsules are better because they dont include as much filler and tiie nutrients can be more efficiently absorbed into the body, advises ZwiefeL Look for chelated minerals when reading a supplements labeL Chelation is a process that binds fatty adds or amino adds to a mineral, which aids absorption into the body, con- - ed W-- l In that case, tiie amount it costs the company to provide the benefits will be classified as income and ultimately filter down to the bottom line on the annual tax that the individual files. For this reason, its helpful to know in advance how an employ' ers values its domestic partner erably less compelling reasons. Its important for American workers to remember that there are tax consequences linked to an employers provision of domestic partner health coverage benefits. Under federal law, the value of the additional benefits that an employee receives for domestic benefits.. In rare circumstances, the additional tax that results from an employers provision of the benefit actually can be more expensive than having an uninsured partner find medical health care coverage elsewhere. The situation can occurwhen the value of the benefit is extremely high or when the employee-partner is in a high tax partner health care insurance coverage is considered income for tax purposes. The taxable income is the difference in value between individual coverage and coverage for ' twopeople. Generally, an employer, in-- i dudes ZmtteL bracket do-mes- tic ' Therefore, ifeither domestic partner needs health care insurance but cannot obtain the the others employer, the parties should explore other available group op- tions. " Often a trade, professional or civic organization can be a good place to start A wide variety of non-prof- it Organizations use group buying power to get discounted health . insurance. Residents who belong to any it association -- or sort of are eligible to join one - should contact the organization's member services department to see what the group has to offer. non-prof- workers in helping employers understand why domestic partner benefits are good for business. An excellent place to start to obtain related information is Human Rights Campaigns web siteatwwwJucorg. A final - albeit a somewhat radical - strategy for unmarried, gay or lesbian couples seeking domestic partner benefits is for one or the other to change places of employment Although job hunts are stress-fiand time consuming, especially in a recovering national d it The majority ofthe than more are organizations happy to speak with interested in- nson oQDSSGBQSMi GM32BQQ33GB mmQGEsm 495 East Main, Castle Dale 381-257- 4 non-prof- Did You Know? Approorimately six in 10 of all adults in the top 50 dividuals. In fact, many of the associations use related benefits as a re- United States markets read a daily newspaper. And nearly seven in 10 of all adults in tiie top markets read a Sunday newspaper, according to cruiting tool to increase the groups membership. For Castle Vhlley consumers who can find good health care coverage at a fairprice through a . organization, becoming a member of the association toay just be the best way to ga. Ifan uninsured domestic part-js- er is or mainside business, he tains a part-tim- e or she may have even more alternatives. First, health insurance agents .and brokers sometimes are aware Of opportunities to pod small businesses to create a group. . 'L Another possibility that is of--i overlooked for helping self-lua-ls non-pro- fit 4 I.SJANUEM W'BOSTITCH Saturday, July 20, 2002 9:00 dafegompfledinthe, competitive media index p.m. a.m.-2:0- 0 ed obtain loyed individ the medical savings account program. ; Source: Medical savings accounts Acts About Nonpapen Published by Ncwyepcn Aaociatioa of America 'were authorized by the United FastenerTool Deal 1IRKS XXTOBXXBCI WITH THB U Pune 0 DEAL MD 22 and others are suing to enforce a state would cirontio a miners hospital providing upamiriiiaMi.tironTTnnnt to minors Troo of ntinrffn Thn rtntn 'opposes this aflbrt and claims that the U of U Med Center adequately fulfilling that need. 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