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School Backpack Awareness

January 13, 2026 By Insurance Experts

Did you know nearly 5,000 emergency room visits each year are the result of injuries related to backpack usage.  The most common injuries being sprain/strains and subluxations potentially resulting in significant back pain. Some, if not most, of these injuries are preventable with proper usage/wearing.  Here are a few things to consider.

Backpacks are designed to be wore as high up on the back as possible with little to no slack between the surface of the backpack and the back.  This allows for proper weight distribution which is key.

As a general rule of thumb, the entire weight of the pack should not exceed 20% of the persons body weight.  This is vital especially with younger individuals.

Features of the backpack can enhance the ergonomics as well: Padded shoulder straps, lumbar pad, larger pockets closest to the individuals back, roller packs, etc. can make the stress of the pack less on the back.

In general, a good, quality pack along with proper usage can make a big difference on the individual wearing it. Should you have any questions regarding wearing/using a backpack please don’t hesitate to ask a health care professional you trust.

Article written by Dr. Eric Garst, owner of The Well Chiropractic Clinic. Dr Eric has been a chiropractor for 5 years. He’s accepting new patients. Go check out their website today!

Filed Under: Prevention, Safety

Car Seat Safety

January 11, 2026 By Insurance Experts

Car crashes are a leading cause of death for children ages 1 to 13. That’s why it’s so important to choose and use the right car seat correctly every time your child is in the car. Click here to visit the National Highway Traffic Safey Administration site: Find the right seat; Install the seat correctly; Register the seat for recalls/updates; Location for a professional to check the seat; Other resources.

 

Filed Under: Prevention, Safety

Immunization Awareness Month

January 9, 2026 By Insurance Experts

Vaccinations get a lot of bad press. Yet approximately 40-50,000 adults in the United States die from vaccine-preventable infectious diseases (or their complications) each year.

Because influenza is so highly contagious, one sneeze can infect everyone in the immediate area. The American Lung Association promotes protective actions like:

  • Stay away from crowds and large indoor gatherings.
  • Wash your hands often.
  • If you are sick, stay away from others.
  • If others show symptoms, stay away from them!

Just don’t “sneeze” at the wisdom of getting vaccinated. Yes, the influenza virus changes constantly. Every year, scientists work together to identify the virus strains they believe will cause the most illness. As a result, a different vaccine gets created every year.

Some people, like older adults, very young children, pregnant women and those suffering from chronic medical conditions are more susceptible to flu. They need the most protection. And even people in robust health benefit from vaccinations.

Give yourself the best protection and get vaccinated as soon as it becomes available in the fall of each year.

Learn more at American Lung Association | 800.586.4872 | www.lung.org/flu Twitter: @LungAssociation

 

Filed Under: Prevention

MIB

January 5, 2026 By Insurance Experts

MIB Group, Inc (MIB) was formerly known as the Medical Information Bureau.  This is a NGO that gathers information and shares it with life and health insurance companies.

You need to request your MIB report once a year to ensure its accuracy. It’s free.

Go to MIB.com and follow the instructions. It will take 7-14 days to receive your report.

You will find in the report any medical information submitted when you applied for life or health insurance.

Why is this report important?  When you apply for new insurance, the firm requests your MIB and takes the past information into consideration with any new information on your application. The old info about previous diagnoses or illnesses could affect your new policy.

By reviewing your report each year, you can correct any errors. It’s a quasi government agency full of computers!  Do you think they might get the wrong info on a report?!  It’s up to you to make corrections.

Filed Under: Medical Costs

Hospital Indemnity Plans

January 4, 2026 By Insurance Experts

Your friends at Insurance Experts.team can answer your questions about a Hospital Indemnity Plan. Visit the website for phone numbers and to schedule a meeting. InsuranceExperts.team

Filed Under: Critical Care Supplemental

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