Archive for December, 2010

Erectile dysfunction risk factors

Monday, December 27th, 2010

The most common sexual problems that men complain about throughout the years are impotence and decrease of sexual desire. Impotence, also known as erectile dysfunction, is characterized by the inability to keep up or get an erection suitable for intercourse. It has various degrees of severity ranging from mild problems and inability to maintain an erection until orgasm to a complete inability to get an erection in the first place.

Erection is a very complex process that is comprised of both psychological and physiological events. First, the brain becomes sexually aroused by an external or internal impulse. This triggers a reaction that sends nervous signals down the spine and affects the blood vessels in the penile area. When these signals are received, blood starts flowing into the penis, forming a solid erection and making the penis ready for sex. As you see, it is quite a complex process and if anything goes wrong at any of the stages then the quality of erection is likely to decrease to various extents.

Surgical intervention into the penile area as well as the spine can lead to erection problems. Diabetes is another common cause for erectile dysfunction, with 35% to 50% of diabetes patients experiencing various degrees of impotence. Erectile dysfunction can also be cause by the use of certain medication that can influence erectile abilities as a side effect. Damage to the penis, pelvis, spine, tissues, nerves and blood vessels in the penile area can also cause erection problems. It is estimated that about 90% of all impotence cases have physiological causes behind them, while only about 10% are psychologically-induced.

Risk factors

The most common risk factors linked to male impotence include diabetes, smoking, alcohol abuse, hypertension and age over 50. This doesn’t mean that all men who are older than 50 and having diabetes will experience erectile dysfunction. But if compared to other statistic groups the frequency of impotent men in the groups mentioned earlier is much higher. Lack of proper physical activity and excessive weight can also increase the risk of experiencing erectile dysfunction because these factors contribute to the development of other health conditions that will ultimately lead to impotence (diabetes, hypertension, cancer). (more…)

The benefits of having spouse-employee insurance

Saturday, December 25th, 2010

When running a small family-based business having the right insurance plan can be a source of great benefits in terms of health coverage. This is especially important for the “spouse employee” situation.

What is spouse-employee insurance?

From the insurance point of view, a spouse-employee is the worker of a business who is a spouse to the business owner but is not an owner themselves or a professional specialist. A spouse-employee cannot be classified as an “independent contractor” as well. Speaking simply, the spouse of the business owner should work as a simple employee with no formal power to influence the profits or the decision-making process within the business.

There are a lot of elements that the IRS takes into account when qualifying a business owner’s spouse as an employee. For instance, if the spouse hare a share of more than 2% in a sub-chapter S corporation then they are classified as a business owner even if they work at the enterprise as an employee.

What’s the point?

There are certain benefits of having employee-spouse insurance:

1. The cost of covering accidents and health is deductible by the business owner if there’s such insurance option provided to his or her spouse.

2. The costs of coverage and medical bills are not included into the gross income of the spouse-employee.

In most cases, health and accident coverage the business owner gets as an employee of his own business is still subject to taxation as it is regarded as income. However, we all know that the business owner and his or her spouse-employee live in the same household and usually have the same family budget. So, if the spouse is hired as an ordinary employee the business owner can cut insurance costs and the premiums paid are not regarded as income. As a result, the spouse-employee gets health insurance free of charge. Sure, it’s the business insurance policy that pays the premiums, but it’s not included in their family budget. So if the business owner hires his spouse or any other family members as legal employees, they can benefit from virtually free health and accident insurance that the business pays for them. (more…)