vol 3 | issue 2 | march/april 2013 in chargecampaign to raise awareness about heart health. kicking...

20
VOL 3 | ISSUE 2 | MARCH/APRIL 2013 in C harge POWER TO LIVE LIFE TO THE FULLEST Make Getting in Shape as Addictive as Facebook and Twitter! The Fitbit activity tracker makes reaching your health goals fun and entertaining! See page 5 for special DTE Energy pricing. Discover the New “Cure All” Prescription Worth Filling Page 4 4 QUICK WAYS to Tell If You or Someone You Love Is Having a stroke Page 11 YOUR SLEEP HABITS: Normal or Cause for Concern? Page 6

Upload: others

Post on 09-Jul-2020

0 views

Category:

Documents


0 download

TRANSCRIPT

Page 1: VOL 3 | ISSUE 2 | MARCH/APRIL 2013 in Chargecampaign to raise awareness about heart health. Kicking off last month during the American Heart Association’s “Wear Red Day,” the

V O L 3 | I S S U E 2 | M A R C H / A P R I L 2 0 1 3

in ChargePOWER TO LIVE LIFE TO THE FULLEST

Make Getting in Shape as Addictive as Facebook and Twitter! The Fitbit activity tracker makes reaching your health goals fun and entertaining! See page 5 for special DTE Energy pricing.

Discover the New

“Cure All” Prescription Worth Filling Page 4

4 QUICK WAYS

to Tell If You or Someone You

Love Is Having a

strokePage 11

YOUR SLEEP HABITS: Normal or Cause for Concern? Page 6

Page 2: VOL 3 | ISSUE 2 | MARCH/APRIL 2013 in Chargecampaign to raise awareness about heart health. Kicking off last month during the American Heart Association’s “Wear Red Day,” the

Information in this newsletter is provided for informational purposes and is not meant to substitute for the advice provided by your own physician, dietitian and your financial or tax advisor.

Important Contact Information

Energize Your Life: 313.235.6229 / [email protected]

Your Benefits Resource Center (Hewitt): 866.899.4383 / www.ybr.com/dteenergy

RedBrick Health 866.261.7144 / www.redbrickhealth.com/login

DTE Benefits Hotline: 877.687.2638 / [email protected]

WellLIFE EAP Counseling Services: 888.327.4347

DTE Energy Affiliate Companies: 800.969.6162

J.P. Morgan Retirement Plan Services 800.345.2345 / www.retireonline.com

GO GREEN! Would you prefer to receive this newsletter electronically? E-mail us at: [email protected]

in ChargEEditor-in-Chief: Susan M. Bailey, MS, CHES, CIC®, SPHR Manager ~ Wellness and Health Promotion

Editorial Assistant: Jennifer Lovequist, MA, CIC® ~ Health Improvement Specialist

Medical Editor: Joel Kahn, MD Detroit Medical Center Medical Director, Preventative Cardiology & Wellness Programs

Contributing Editors: Fuel Up and Feel Better: Lillian Korbus, RD, CIC®, RYT ~ Health Improvement Specialist

In Motion: Nick Batanian, MS, CIC®, HFS ~ Energize Your Life Program Coordinator

Nuts and Bolts of Healthcare: Doug Green ~ Manager of Health, Welfare and Occupational Health

Financial Wellness: Elizabeth Pochini ~ Manager, Retirement Income Benefits

10

4

10

Focus on three ways to LOVE YOUR HEART— know your numbers, eat healthy and move more. 2 Aim to eat 20 percent less

of your main entrée and 20 percent more of your FRUITS AND VEGGIES.

Protect your sleep so it can PROTECT YOUR HEART—get seven or more hours of sleep to significantly reduce your risk of heart attack and stroke.Know the SIGNS

OF STROKE and what to do—it could save your life or the life of someone you love.

Swap one unpleasant task out of your day for one that BRINGS YOU JOY—not only will it feed your soul but help your heart.

1

6

It’s less about working out and more about ACTIVE LIVING—build activity into your everyday life, like standing while talking on the phone.

CUT YOUR PRESCRIPTION COSTS by finding the best deal in town—compare retail discount prescription programs.

SMALL STEPS That Can Ignite BIG RESULTS

You’re busy, always on the go and life can be a bit hectic. You don’t have much free time to spare, so we’ve gone ahead and collected some key ideas, tips and action steps from this issue—the SPARKS—to living with high energy, good health and passion for life!

in ChargE SPARKS!

7

3

8Make it easier to compare the costs for healthcare services and to FIND A GOOD DOCTOR by using your health plans’ online tools.

Don’t let being a superwoman COST YOU YOUR LIFE— listen to what your body is telling you.

Turn your house into a HEALTHY HOME—make it easy for your kids to make healthy choices.9

5

Page 3: VOL 3 | ISSUE 2 | MARCH/APRIL 2013 in Chargecampaign to raise awareness about heart health. Kicking off last month during the American Heart Association’s “Wear Red Day,” the

in Charge MARCH/APRIL 2013 1

How Do I Love my heart? Let Me Count the Ways…

DTE Energy Launches the I Love myHeart Campaign

With heart disease being one of the most widespread health issues facing DTE Energy employees, the organization is participating in a three-month campaign to raise awareness about heart health. Kicking off last month during the American Heart Association’s “Wear Red Day,” the I Love myHeart campaign focuses on a primary way to help your heart for each month. For example, last month focused on Knowing Your Numbers—blood pressure, cholesterol and other key biometric measures. In March we will focus on eating healthy and during April the focus will be on moving more.

Over the next couple months, there will be numerous activities and events throughout the company supporting heart health. Be sure to watch the DTE Daily for details.

H E A R T H E A L T H

1. Watch the DTE Daily for information on upcoming heart health happenings

2. Become a Team Captain by visiting www.miheartwalk.org

3. Participate in the 2013 Heart Walk (see page 5)

Eat light and often.

Fill half of your plate with vegetables and fruits.

Choose real, not processed, food.

Limit sodium and saturated fat.

Try to be active everyday of the week, even if only for 10 minutes.

Don’t sit for more than 90 minutes.

Find ways to fit more activity into your daily lifestyle.

Eat Healthy Move MoreKNOW YOUR NUMBERS

A Message from Larry E. Steward Vice President Human Resources

Heart disease has touched, or will touch, the lives of many of our employees. As part of our commitment to putting the health and safety of people first, DTE Energy is helping promote ‘Heart Smart’ living.

Heart smart means making smart decisions concerning your cardiovascular health. It means increasing your knowledge about heart health and changing behavior in three areas of your life— prevention, eating habits and physical activity.

We believe so strongly in the importance of heart health that we are building off the ‘Wear Red Day’ and dedicating three solid months to promoting heart health company-wide.

Please join me in participating in the I Love myHeart campaign— together let’s strengthen our hearts, our health and our organization by:

P Knowing Our Numbers

P Eating Healthy

P Moving More

Get an annual physical.

Know your numbers: Do you know your blood pressure, cholesterol and glucose?

What do those numbers mean and why are they important?

3 Ways to Get Involved in the I Love myHeart Campaign…

GTAKECHArGE!

Page 4: VOL 3 | ISSUE 2 | MARCH/APRIL 2013 in Chargecampaign to raise awareness about heart health. Kicking off last month during the American Heart Association’s “Wear Red Day,” the

S

2 MARCH/APRIL 2013 in Charge

F U E L U P

Are Your Food Choices Helping or hurting Your Heart?(Sources: American Heart Association and Cleveland Clinic)

Eat Healthy

March is National Nutrition Month

Additional Benefits of Heart-Healthy Eating:

P More energy P Great skin P Strong muscles P Less bloating

The health of your heart is affected by everything you eat. You can take the first step toward a “Heart Smart” lifestyle by deciding to eat healthier foods more often. Here are some quick tips for eating your way to a healthier heart:

Choose whole grains, which are a good source of fiber and nutrients.MAKE IT HAPPEN: Check the Nutrition Facts label to compare products when you shop, and choose products with a higher % Daily Value for fiber (aim for at least 20%) AND substitute a whole-grain product for a refined product—try whole-wheat bread instead of white bread, brown rice instead of white rice, or whole wheat pasta instead of regular pasta.

Limit foods containing saturated fats and avoid trans fats, which can raise the “lousy” or LDL form of cholesterol in your body.MAKE IT HAPPEN: To cut down on saturated fat, choose cheeses that say “skim”, “low-fat”, “reduced fat” or “light” on the package AND use plain low-fat yogurt in place of sour cream. To avoid trans fats, stay away from products that contain partially hydrogenated vegetable oils.

Choose low-fat protein foods, like chicken or turkey without the skin, fish or lean cuts of meat. MAKE IT HAPPEN: When buying beef, choose cuts with “round” or “loin” in the name AND add more beans (which are high in protein) into your meal planning, such as adding to soups, salads and recipes.

Reduce salt intake.MAKE IT HAPPEN: Use herbs, spices and fruits to flavor food instead of salty sauces and seasonings AND go easy on condiments such as soy sauce, ketchup, mustard, pickles and olives—they can add a lot of salt to your food.

Eat a variety of fruits and vegetables each day.MAKE IT HAPPEN: Include a green salad topped with veggies with your dinner every night AND keep a bowl of whole fruit on the table or counter, and keep cut-up fruit readily available in the front of your refrigerator.

Pay attention to your portion sizes.MAKE IT HAPPEN: Eat from a smaller plate or bowl and drink from a smaller cup AND when eating out, order an appetizer as your meal or split an entrée.

Page 5: VOL 3 | ISSUE 2 | MARCH/APRIL 2013 in Chargecampaign to raise awareness about heart health. Kicking off last month during the American Heart Association’s “Wear Red Day,” the

in Charge MARCH/APRIL 2013 3

Time-Saver Recipe!

Only five ingredients and takes just 30 minutes from

grocery bag to table!

$

Sweet Potato Fries—With a Kick! (Source: American Heart Association)

Looking for a healthy alternative to those artery-clogging french fries? Try sweet potato fries! Sweet potatoes are good for preventing heart disease and because they are high in potassium, they can help prevent the onset of heart attack and stroke. Potassium also helps to maintain fluid and electrolyte balance in the body, which is important for stabilizing blood pressure and regulating heart function.

2 Servings/Active Time: 5 minutes/Total Time: 30 minutes INGREDIENTS

• 1 large sweet potato, peeled and cut into wedges

• 2 teaspoons canola oil

• ¼ teaspoon salt

• Pinch of cayenne pepper

• ¼ teaspoon of cinnamon

Adopt a healthy lifestyle one easy habit at a time in just 10 weeks. Delivered by motivational speaker, TV host and best-selling author, Zonya Foco, RD, this self-guided online seminar allows you to view at your

convenience for added flexibility.

Get Started! Visit www.dteenergy.com/eyl then click on My Discounts » Healthy Programs

NUTRITION Per serving: 122 calories; 5 g fat (0 g sat, 3 g mono); 0 mg cholesterol; 19 g carbohydrates; 0 g added sugars; 2 g protein; 3 g fiber; 323 mg sodium; 429 mg potassium.

Want to LOSE WEIGHT, IMPROVE YOUR NUMBERS or STEP UP Your Overall Health?

May Be The Answer!

PREPARATION

1. Preheat oven to 450°F.

2. Line a baking sheet with aluminum foil (preferably the easy release kind).

3. Peel the sweet potato. Cut potato in half, and then into quarters. Then, slice into fry shapes, about ½-inch wide.

4. Place the sweet potato fries into a re-sealable plastic bag. Add oil, salt, cayenne pepper and cinnamon. Seal the bag and shake well to thoroughly coat the fries. Spread the potato fries out onto the baking sheet in a single layer.

5. Bake until browned and tender, turning every 10 minutes, about 25 minutes total.

With the EYL Instant Rebate,

You Pay Only $35

(plus shipping and handling) That’s 1/2 Off

the Retail Price!

Page 6: VOL 3 | ISSUE 2 | MARCH/APRIL 2013 in Chargecampaign to raise awareness about heart health. Kicking off last month during the American Heart Association’s “Wear Red Day,” the

4 MARCH/APRIL 2013 in Charge

Exercise is Medicine: A Prescription Worth Filling!

(Sources: Harvard Health, Mayo Clinic and WebMD)

I N M O T I O N

1,440The number of

minutes in a day

30

The recommended number of minutes of

exercise per day

30

It’s not found in a bottle. It’s found within each one of us—good ol’ physical activity. Whether it’s playing in a pick-up game of basketball, taking a walk during your lunch break or finally dusting off and using that old piece of gym equipment sitting in the corner, moving more and sitting less is the prescription for better health and quality of life.

Because of lifestyle and technological changes, we are reaching what they call an “an epidemic of inactivity.” Inactivity has been proven to lead to earlier incidences of many chronic conditions and illnesses. From

dementia and diabetes to high blood pressure and heart disease—no pill protects us against illness and poor health like exercise does. Just 30 minutes of healthy exercise a day can help prevent and treat this wide range of health problems.

No time for the gym or a long workout? You can get a lot of the same health benefits by simply moving more—adding activity into your everyday routine, whether it’s taking the stairs rather than the elevator, standing while talking or taking a brisk walk during breaks.

The key to increasing physical activity is not necessarily an expensive gym membership. Rather, it is making a commitment to active living—activity that is done regularly as part of your daily routine.

It’s the one thing you can do for yourself everyday to increase your health, fight depression, relieve stress and improve your overall quality of life.

~ Nick Batanian, MS, CIC®, HFS Energize Your Life Program Coordinator

One could say I’m a bit hooked on this prescription. I take it first

thing before heading to work as part of my routine for starting

my day. Within 20 minutes I’m bursting with vitality and

raring to go! I’ve taken this medicine regularly now for about

four years, after developing high blood pressure in my mid-40s. I heard it could help

reduce blood pressure and improve circulation. Sure enough, the high blood pressure

vanished two years ago. It also seems to have a couple positive side effects—relieves stress

and boosts my mood. Amazingly, this drug is available to everyone on the planet. It’s

completely up to you when you take it, and how much. And as research is now revealing,

the more of it you take, the healthier you will be. So what is this wonder drug?

LET’S GET PHYSICAL

Moving more and leading an active lifestyle can help in a number of ways:

1 Activity is activating: gain energy.

2 Lower blood pressure, a risk factor for heart disease.

3 Increase HDL, or “healthy” cholesterol, that carries fat away from your arteries.

4 Decrease LDL, or “lousy” cholesterol, that forms fatty deposits in your arteries.

5 Improve circulation by preventing blood clots.

6 Aid in losing weight and building muscle.

Move More

Page 7: VOL 3 | ISSUE 2 | MARCH/APRIL 2013 in Chargecampaign to raise awareness about heart health. Kicking off last month during the American Heart Association’s “Wear Red Day,” the

in Charge MARCH/APRIL 2013 5

Exercise is Medicine: A Prescription Worth Filling!

(Sources: Harvard Health, Mayo Clinic and WebMD)

EYL WEBINAR: “Exercise is Medicine” Tuesday, March 12, 2013

DTE Energy employees, retirees and spouses are invited to view this upcoming online webinar, conducted by Nick Batanian, MS, CIC®, HFS Energize Your Life Program Coordinator.

What Participants Gain: • Learn the short-term and long-term benefits of regular physical activity • Find out how exercise can reduce the risk or severity of the most common chronic illnesses • Understand exercise recommendations • Determine where to start with exercise or how to change up a current routine

The Details: WHEN: Tuesday, March 12 TIME: Noon – 1pm ET OR 8pm - 9pm ET TO REGISTER: Go to www.dteenergy.com/eyl/mylearning, or call RedBrick Health at 866.261.7144

Can’t attend or missed it? No problem! Watch a recorded version by visiting

www.dteenergy.com/eyl/myLearning/webinars.html

Fitbit Zip™

Fitbit One™

WALK with PURPOSE: 2013 Heart Walk Heart disease and musculoskeletal health conditions are two of the top five most common reasons DTE Energy employees and family members visit the doctor each year. Regular exercise is the perfect prescription to help both of these conditions.

Fill your prescription for health by setting a physical activity goal of participating in a community walk/run—such as the 2013 Heart Walk! Step up and take the pledge to live a healthier lifestyle while raising the dollars needed to fund life-saving research and initiatives. They need your support!

Join us: WHEN: Saturday, June 8, 2013 TIME: 8am-Noon PLACE: Ford Field in Downtown DetroitBring your energy, your passion and your family and friends—let your footsteps be heard! Look for more information in the coming months in the DTE Daily.

Fitbit: Makes Getting in Shape as Addictive as Facebook and Twitter!

Getting fit goes social! The Fitbit activity

tracker monitors and automatically uploads

calories burned, steps taken, stairs climbed,

distance and even sleep habits (for Fitbit One™

only). For added fun, set up challenges and

compete with friends and family.

In addition to rooting for one

another, you can compare stats

and see how your progress

stacks up.

REWARD ALERT! Earn 25 Drawing Entries or 25 EYL Activity Credits for participating in the Heart Walk and submitting a completed RedBrick Health Program Participation Form (available at www.redbrickhealth.com/login).

Don’t live in the Detroit Metro Area?

Visit www.heartwalk.org for a Heart Walk near you!

GChoose from the Fitbit One™ for ONLY $59.50 or Fitbit Zip™ for $30

To order, visit www.fitbit.com/store/dte OR use your barcode reader app on your smartphone to scan the code above:

TAKECHArGE!

Note: DTE Energy employees must enter a valid DTE email address to receive this special instant rebate price.

Page 8: VOL 3 | ISSUE 2 | MARCH/APRIL 2013 in Chargecampaign to raise awareness about heart health. Kicking off last month during the American Heart Association’s “Wear Red Day,” the

+ P O W E R O F P R E V E N T I O N

6 MARCH/APRIL 2013 in Charge

When you’re scrambling to meet the countless demands of your day, cutting back on sleep might seem like the only

answer. Who can afford to spend so much time

sleeping, anyway? The truth is you can’t afford not to. Even minimal sleep

loss takes a toll on your mood, energy and ability to handle stress. And

chronic sleep loss gone unchecked can lead to various health problems,

such as heart disease.

Sleep gives your heart and vascular system a much-needed rest. During

non-REM sleep (the lighter part of your sleep), your heart rate and blood

pressure progressively slow as you enter deeper sleep (REM sleep). If you

don’t get enough sleep, the nightly dip in blood pressure that appears to

be important for good heart health may not occur.

A lack of sleep also puts your body under stress and may trigger the release

of more adrenaline, cortisol and other stress hormones during the day,

which increases your risk for heart disease. It also may trigger your body

to produce more of certain harmful proteins that at high levels can mean

increased risk for hardening of the arteries.

What’s Considered a Normal “Good Night’s Sleep”? The total number of hours you sleep is one factor that contributes to

“healthy” sleep, but there are other sleep habits that also

affect your quality of sleep. See below for the general

profile of what makes up healthy versus poor sleep. If

you experience any characteristic listed under the poor

sleep column, it could be an indication of a sleep

disorder and you should share this with your doctor.

SLEEP AWARENESS WEEK:

March 3-10

“POOR SLEEP”/TALK TO YOUR DOCTOR

• Frequently sleep 6 or less hours per night• Takes more than 30 minutes to fall asleep • Awaken frequently in the night and then have trouble falling back to sleep again• Frequently awaken to go to the bathroom and/or more than once per night and have trouble going back to sleep• Snore frequently and/or loudly, snort, gasp, make choking sounds, or breathing stops for short periods• Awaken too early and can’t fall back to sleep• Feel sleepy during the day even if you slept 7-8 hours• Rely on caffeine/other stimulants to get through the day• Fall asleep unexpectedly or at inappropriate times during the day (such as during a meeting or at a red light)

“NORMAL” HEALTHY SLEEP

• Sleep between 7-9 hours per night• Generally fall asleep easily, within 30 minutes• Sleep soundly. If you occasionally awaken, you tend to fall right back to sleep within a minute or two• Occasionally awake to go to the bathroom, but have no trouble falling back to sleep• Usually do not snore or occasionally snore lightly• Sleep through the night until morning• Feel well-rested/energized during your day

Join the EYL Sleep Campaign!During the month of March, EYL is offering sleep presentations to departments and teams, as well as access to RedBrick Health’s recorded webinar, “Getting a Good Night Sleep.” Participants will receive an EYL sleep mask and sleep brochure. For more information watch the DTE Daily or contact EYL at [email protected]

Sleep Better, Stress Less,

Help your heart (Sources: National Institutes On Health;

The National Sleep Foundation)

Researchers found that those who slept for less than six hours a

night were almost:

50 percent more likely to suffer a heart attack, and

15 percent more at risk of stroke.

Did you know the Fitbit One™ Activity Tracker can tell you all kinds of things about your sleep habits? See page 5 for details on how to purchase.

Page 9: VOL 3 | ISSUE 2 | MARCH/APRIL 2013 in Chargecampaign to raise awareness about heart health. Kicking off last month during the American Heart Association’s “Wear Red Day,” the

Warning! A drawback to buying prescriptions under these types of programs is that the prescription isn’t run through your main pharmacy insurance (i.e., Express Scripts) where all your prescription history is stored, meaning possible drug interactions may not be identified through these local pharmacists. Inform the pharmacist about any medications you are currently taking so they can be sure to check for possible drug interactions.

in Charge MARCH/APRIL 2013 7

Many people have yet to take advantage of the low prices for prescription drugs offered by numerous retailers. For example, some people still pay an average of $50 a month for the generic drug Pravastatin to lower cholesterol. But you can buy a 30-day supply of it for $4 at Target or Walmart, and pay even less per dose for a 90-day supply.

Retailers such as Kmart, Target, Walgreens and Walmart, as well as national grocers such as Kroger, have been steadily expanding their discount-drug programs. To offer such low prices, retailers often purchase the medications in bulk.

“Under these programs, our employees can get hundreds of generic prescriptions for a 30- or 90-day supply at a flat dollar amount that could be lower than their current prescription copay,” explains Doug Green, Manager of Health, Welfare and Occupational Health.

If there isn’t a generic equivalent for a brand-name drug, it doesn’t hurt to shop around. Consumer Reports recently checked out the cost of a one-month supply of Plavix at pharmacies around the country and found prices ranging from a high of just over $200, to a low of about $20!

To save you time, below is a summary of what some of the leading national chain stores are offering:

Comparison of Current Retail Discount Rx ProgramsRetail Store

Have You Considered Retail Di$count Prescription Drug Programs?

(Sources: MichiganDrugPrices.com, Consumer Reports, AARP, CBS News)

Know Before You GoBefore enrolling, check the fine print:

Make sure your medication is included (especially if you have a high dose prescription).

Ask about restrictions such as limited eligibility. For example, some programs are available only to people without insurance.

Check for an enrollment fee, which might make it less of a bargain.

Check with your independent pharmacies to see if they’ll match those deals (without the membership fee).

Check discount lists frequently since generic versions of name-brand drugs become available on an ongoing basis.

Want to Compare Prices? Use the MichiganDrugPrices.com website to compare prices for 150 different drugs at many different pharmacies to help you find the best prices.

$Other Discounts

• 5% to 35% savings on all other generic medications• 5% to 20% savings on all brand name medications

• Vaccines also offered

• Free antibiotics• Free pre-natals• Free generic substitute for Lipitor® (10, 20, 40, 80 mg strength)• 15% – 20% off thousands of brand-name and generic prescriptions• Not valid with Medicare, Medicaid or Tricare

• 8% off brand-name prescriptions

• Fill five prescriptions and earn 5% off a day of shopping

• 5-20% discount off price of thousands of brand-name and generic medications in all drug classes • Not valid with Medicare, Medicaid or Tricare• Vaccines offered• Free home delivery for 90-day supply

Membership Fee

$10 individual/ $10 household

Free

Free

Free

Free

Free

$20 individual/ $35 family

Free; No membership needed

Generic 90-Day Supply

$10

$10

n/a

$15.99

$10

$10

$12

$10

Generic 30-day Supply

$5

$4

n/a

$9.99

$4

$4

n/a

$4

Page 10: VOL 3 | ISSUE 2 | MARCH/APRIL 2013 in Chargecampaign to raise awareness about heart health. Kicking off last month during the American Heart Association’s “Wear Red Day,” the

8 MARCH/APRIL 2013 in Charge

www.bsbsm.com or www.mibcn.com • See clinical quality measures (patient safety ratings, complications index, etc.) • View patient satisfaction measures (hospital ratings) • Gather demographic (medical specialties, etc.) and logistical (address, etc.) information• Use Treatment Cost Advisor to estimate costs of care for most common healthcare services

www.aetna.com• Find doctors and hospitals that accept your plan• Compare costs• See clinical and quality information

DEADLINE #1: MARCH 31, 2013: Get your annual physical and lab tests.

Submit completed and signed form. AND

Complete your online health assessment.

Be sure to complete all the requirements of the 2013 Healthy Living Program to earn your Enhanced Level coverage. If you miss the deadline you and your family will pay higher healthcare costs!

Don’t Forget or It Could Cost You! Healthy Living 2013 REQUIREMENTS

DEADLINE #2: MAY 1, 2013 Additional tasks may be required depending on the results of your

physical/lab tests and the health plan for which you are enrolled. Please refer to your Healthy Living materials for more information.

www.priorityhealth.com• Find physicians by quality ratings or “apples” and given Google Map directions• Look up cost estimates for medical procedures, health services and prescription drugs using The Healthcare Blue Book website, provided free to consumers from a company called CAREoperative.

Choosing & Using Healthcare: Transparency T ls(Sources: bcbsm.com, aetna.com and priorityhealth.com)

Committed to helping members become better informed healthcare consumers, many health insurance carriers (such as Aetna, Blue Cross Blue Shield and Priority Health) are making information about doctor and hospital quality and the expected costs for medical care and procedures more visible and accessible, or “transparent” to members.

The goal is to give you access to the information you need to make more informed decisions about how you choose and use your healthcare. More informed choices can lead to better, more affordable care.

The key is for you to take advantage of these tools. Below are examples of some of DTE Energy’s health plan carriers and a description of what they offer to help members make wise decisions:

www.hap.org• Find a HAP participating physician or other care provider; receive map/directions.• Look up a procedure code to see if the service requires PCP direction or plan precertification, whether it is a covered benefit and determine the approximate total cost for a specific service. Note: this is not your out-of-pocket cost but rather the approximate fee your plan pays to contracted physicians.

Page 11: VOL 3 | ISSUE 2 | MARCH/APRIL 2013 in Chargecampaign to raise awareness about heart health. Kicking off last month during the American Heart Association’s “Wear Red Day,” the

in Charge MARCH/APRIL 2013 9

Do your research. Don’t assume all physicians are equally skilled. More importantly, they need to be a good match for you. This is one of the most important relationships you’re ever going to have — you need to feel completely comfortable and confident in your choice.

~ Joel Kahn, MD Detroit Medical Center Medical Director, Preventative Cardiology & Wellness

Programs

Most people wouldn’t buy a new car without doing extensive research—such as checking consumer ratings and comparing costs—yet interestingly, they still rely largely on phone directories or word of mouth to select a physician. As more patients must choose from a health plan’s provider list, there is growing demand for information that is more reliable than these traditional methods. Fortunately, many health plans and other organizations are starting to put online tools out there that can better equip the average person with the information they need to thoroughly research and feel confident about selecting a provider. The key is getting you to use it!

Choosing a doctor is one of the most important things you will do in your life. Whether you’re looking for a primary care physician or a specialist, it pays to do as much research as you can to ensure that you find the right match. A good first step is to review the considerations below and then go to your health plan’s website and check out the provider search tools available. You should then be well on your way to meeting Dr. Right!

Things to Consider When Choosing Dr. Right

Increasing Your Odds of Finding Dr. RightUsing Provider Search Services(Sources: NY Times, Consumers Report)

Insurance Coverage Considerations

Do they accept your insurance and are they in your health plan’s provider network?

Consider their location as well as their hospital affiliations and whether those hospitals are in your provider network.

Quality/Licensing Considerations Use your health plan’s provider search services offered

to assess provider quality ratings. Good quality measures include National Committee on Quality Assurance accreditation (about whether doctors meet required criteria for care for specific conditions like back pain or diabetes) and the Healthcare Effectiveness Data Information Set (which focuses on adherence to clinical guidelines, like prescribing a beta blocker after a heart attack).

Check if they have their State license and are “board certified,” which means the doctor has passed a rigorous exam in a specialty, such as internal or family medicine by visiting any of these sites: www.ama-assn.org, www.abms.org, HealthGrades.com, or Docfinder (docboard.org).

Cross-check your health plan’s list of providers with a top doctors list for your area.

Logistic Considerations Are the office hours convenient for you and

do they offer evening and weekend appointments?

Do they offer same-day appointments for urgent care?

How easy is it to reach the provider; do they use email?

Personal Style and “Fit” ConsiderationsTo gain insight on the following, you may need to request an interview with the provider, or see if they have a video posted on the HealthGrades website.

Do they only focus on disease treatment, or wellness and prevention as well?

Does the provider invite you to be involved in your care, viewing your patient-doctor relationship as a true partnership?

Are they willing to take time to understand your treatment values, beliefs and concerns?

Are they a good listener who does not interrupt you and encourages your thoughts?

Does the provider speak to you in terms you can understand and explain options for treatment?

Do you generally feel comfortable and at ease around them?

Choosing & Using Healthcare: Transparency T ls(Sources: bcbsm.com, aetna.com and priorityhealth.com)

Page 12: VOL 3 | ISSUE 2 | MARCH/APRIL 2013 in Chargecampaign to raise awareness about heart health. Kicking off last month during the American Heart Association’s “Wear Red Day,” the

5

F E E L B E T T E RR

10 MARCH/APRIL 2013 in Charge

6 Surprising Eating Habits that Can Lower Dangerous Cholesterol (Sources: Mayo Clinic, Prevention, Reader’s Digest)

An important part of reducing the risk of heart disease is watching your cholesterol levels. About half of all adults in America have LDL cholesterol levels (the lousy or harmful form of cholesterol) that are too high—meaning there’s a good chance yours could be. If you haven’t had your cholesterol levels checked lately, don’t ignore it any longer. In addition, follow these six simple tips on ways to manage your cholesterol:

In addition to changing your diet, keep in mind that making additional heart-healthy lifestyle changes are key to lowering your cholesterol. Talk to your doctor about exercising, quitting smoking and maintaining a healthy weight to help keep your cholesterol level low.

~ Joel Kahn, MD.Detroit Medical Center Medical Director,

Preventive Cardiology & Wellness Programs

myHealth SuccessKnow the Signs and Act—Mike’s Story Through her interviews, Health Improvement Specialist, Lillian Korbus, RD, CIC®, RYT, shares inspiring stories from DTE Energy employees who have made significant health changes in their lives.

Last summer, Mike had a wake-up call. After a round of basketball with the guys, he became lightheaded, dizzy, short of breath and felt as though someone was standing on his chest, with pain radiating down his left arm. An immediate trip to the hospital confirmed that he had a heart attack. Fortunately, due to his generally healthy lifestyle, Mike survived the heart attack.

Although leading up to that day Mike felt fine and his episode took him by surprise, in hindsight he admits he felt he may have acted ‘smarter than he was’. “I felt my recent weight loss, elimination of soda and increased activity made me immune to health problems. I lost sight of the fact that I still have a strong family history of diabetes and was not very consistent about taking my oral diabetes medicine,” explains Mike.

Sip on green tea. Although green tea capsules show a reduction in cholesterol as well, the drop is highest when drinking brewed tea.

Add half a tablespoon of cinnamon to your coffee beans (ground or whole) before starting the pot.

Add a touch of flax seed to your dishes. Grind them up and stir into hot cereal or a smoothie, or add a little crunch to your salad with just a sprinkling.

1Pop edamame (soy beans) as a snack. Edamame are usually in the frozen food section of the supermarket.

Have a few glasses of cranberry juice this week. Be sure to cut it with seltzer or water so you get less sugar. 6

234

Mike is to be applauded and should be proud of his efforts for living a healthier lifestyle, however, his heart attack serves as an important reminder that losing weight or changing a health habit doesn’t mean it’s okay to overlook or dismiss other important health risks—in his case, addressing his diabetes. “Health isn’t just one thing, it all interacts together,” stresses Mike. “When you have diabetes, your heart has to work harder and by not taking my medication like I should have, my sugar level may have contributed to the strain on my heart. Remember, you are not a doctor, and if you think you have something wrong, don’t ignore it. Get yourself checked out! Better to be safe than sorry,” suggests Mike.

We are happy to hear you are taking care of yourself, Mike, and encouraging others to do so as well.

Meet Mike Lacroix DTE Energy Employee

for 34 years IT Technician

Drink orange juice every morning spiked with the cholesterol-lowering plant sterols, such as Minute Maid’s Heart Wise® brand (a serving is 3/4 cup). These helpful sterols can also be found in margarine spreads, like Benecol®.

KNOW YOUR NUMBERS

Eat Healthy

Page 13: VOL 3 | ISSUE 2 | MARCH/APRIL 2013 in Chargecampaign to raise awareness about heart health. Kicking off last month during the American Heart Association’s “Wear Red Day,” the

in Charge MARCH/APRIL 2013 11

STROKE: Know the SIGNS. Act In TIME. (Sources: National Institute of Neurological Disorders and Stroke, Harvard Health and Nutrition Action Healthletter)

R

Every 40 seconds, someone in the United States suffers a stroke. Every four minutes, someone dies of a stroke. An ischemic stroke— the kind that affects most men—occurs when an artery to the brain is blocked by arterial plaque that has broken loose and caused a blood clot. In fact, it’s just like a heart attack, only instead of heart cells dying for lack of blood, brain cells are dying—by the thousands. Although a stroke is a disease of the brain, it can affect the entire body, with the effects ranging from paralysis, pain or numbness to problems thinking or speaking and struggling with emotional problems.

Know the Signs!

In a Gallup survey, 97% of people over age 50 did not recognize the warning signs of a stroke. Everyone, especially those who are at increased risk for stroke, should learn these warning signs and know what to do if they occur.

Act in Time

Stroke is a medical emergency. Every minute counts when someone is having a stroke. The longer blood flow is cut off to the brain, the greater the damage and the lower their chances for successful recovery—so don’t wait! ACT in TIME!

M E N ’ S H E A L T H 6 Surprising Eating Habits that Can Lower Dangerous Cholesterol (Sources: Mayo Clinic, Prevention, Reader’s Digest)

weakness in an arm, hand

or leg

numbness on one side of the body

sudden dimness or loss of vision, particularly in

one eye

sudden trouble speaking

inability to understand what

someone is saying

sudden, lasting and

excruciating headache

dizziness or loss of

balance

911

FACE Smile. Does one side of the face droop?

ARMS Raise both arms. Does one arm drift downward?

SPEECH Say a simple sentence. Are the words slurred? Do you (or the person you are with) have trouble repeating the sentence correctly?

TIME If the answer to any of these questions is yes, time is important. Call 911 or have someone get you to the hospital fast. Brain cells are dying.

Act FAST Self-AssessmentIf you think you, or someone you are with, is having a stroke do these 4 steps to confirm…

Page 14: VOL 3 | ISSUE 2 | MARCH/APRIL 2013 in Chargecampaign to raise awareness about heart health. Kicking off last month during the American Heart Association’s “Wear Red Day,” the

+ W O M E N ’ S H E A L T H

12 MARCH/APRIL 2013 in Charge

Do You Pride Yourself on Being a Superwoman? It Could Cost You Your Life…(Sources: www.heart.org and WebMD)

Most women are the hub of their families: the glue that keeps everything together, the captain of the team, the person who runs the household and cares for everyone else. Not to mention, many are juggling careers. Stop for a moment and think about how busy you are. Now, think about what life would be like if something happened to you. What would your family do without you?

Many women try to do it all, and in the process they put themselves—and their health—at the bottom of their “to do” list. Unfortunately, this tendency sometimes has tragic consequences.

Only about one half of women are likely to call 9-1-1 if experiencing symptoms of a heart attack, yet 79 percent said

they’d call if someone ELSE was having a heart attack.

The reality is that as women, we are accustomed to functioning with a variety of aches and pains so we tend to overlook our

own issues and focus instead on the needs of others. Some women also tend to dismiss their symptoms as being hormonal, or part of menopause. This is a mistake. Women must try harder to really listen to their bodies, even if it means putting themselves first sometimes!

Knowing the signs and symptoms of a heart attack can save your life. But realize they can be subtle and easily overlooked. When a heart attack strikes, it doesn’t always feel the same in women as it does in men.

Be sure you know these seven signs and symptoms of a heart attack, and if you experience any of them,

please CALL 9-1-1! If not for yourself, do it for those who love you and count on you.

chest pain or discomfort

jaw or arm pain

shortness of breath (even when sitting still)

nausea or stomach pain

fatigue

sleep disturbances

excessive sweating days or weeks prior to attack

Heart Attack Signs and Symptoms

in Women

Heart Disease is the #1 Killer

of Women

KNOW YOUR NUMBERS

Page 15: VOL 3 | ISSUE 2 | MARCH/APRIL 2013 in Chargecampaign to raise awareness about heart health. Kicking off last month during the American Heart Association’s “Wear Red Day,” the

in Charge MARCH/APRIL 2013 13

Do You Pride Yourself on Being a Superwoman? It Could Cost You Your Life…(Sources: www.heart.org and WebMD)

Available Now! “A Guide to Women’s Health” Online Course

Every woman deserves to live with high energy, good health and passion for life. That means handling stress, getting proper women’s healthcare, understanding key health risks and nurturing yourself. Let’s face it, the stronger we are, the better we can manage our lives and support all those who count on us.

This course focuses on the unique health needs of women—from general nutrition and physical activity to reproductive health and disease prevention. You’ll hear interesting facts and learn practical tips on what women can do at every age to invest in their health and lower their risk of illness and chronic conditions.

Get started by visiting: www.redbrickhealth.com/login » Health Map » More Healthy Activities.

EYL WEBINAR: “Stretched Too Thin?

Learn How to Bounce Back Fast” Tuesday, April 9, 2013

DTE Energy employees, retirees and spouses are invited to view this upcoming online webinar, conducted by RedBirck Health Coach Lori Garfinkel.

What Participants Gain:Participants will learn techniques for adapting to life’s changing conditions and how to emerge or bounce back from a downward spiral. In addition, you’ll find out tips for building your resiliency “bank account”.

The Details:

WHEN: Tuesday, April 9, 2013 TIME: Noon – 1pm ET OR 8pm – 9pm ET TO REGISTER: Go to www.dteenergy.com/eyl/mylearning or call RedBrick Health at 866.261.7144

Can’t attend or missed it? No problem! Watch a recorded version by visiting

www.dteenergy.com/eyl/myLearning/webinars.html

Rosie O’Donnell

(TV personality/heart attack)

Star Jones, Esquire

(Attorney and TV personality/heart attack)

Barbara Walters

(TV personality/rapid heartbeat)

Elizabeth Taylor

(actress/weak pumping ability of the heart)

Jennie Garth

(actress/heart valve doesn’t work right)

.

“Just a Little Heart Attack” VideoWomen having heart attacks is no laughing matter, but

check out this humorous take on the ridiculous lengths

women go to minimize their own health issues. Based

on testimonials of real women who shared their stories

about heart disease, the video shows a scenario of a

multi-tasking, uber-productive mom who is juggling her

kids, husband and career, and is finally forced to

take note of her own needs.

Starring Emmy-nominated actress, Elizabeth Banks

(from the TV show 30 Rock), this three-minute video serves

as a wake-up call to all you superwomen out there!

To view the video, scan this code with your smartphone

bar code scanner app, or visit: www.youtube.com and

type Just a Little Heart Attack into the search field.

Famous Women Touched by Heart Disease

Page 16: VOL 3 | ISSUE 2 | MARCH/APRIL 2013 in Chargecampaign to raise awareness about heart health. Kicking off last month during the American Heart Association’s “Wear Red Day,” the

14 MARCH/APRIL 2013 in Charge

H E A L T H Y @ H O M E

Is Your Home Setting Up Your Kids for Heart Disease? (Sources: WebMD, Let’s Move.gov and Prevention Magazine)

As parents, protecting our children from harm is among our most primary goals, yet is the way we set up our home hurting our kids? Over the past three decades, childhood obesity rates in America have tripled, and today, nearly one in three children in America are overweight or obese—leading to numerous chronic conditions, such as diabetes and heart disease. According to a study published in Pediatrics, the chance of a child becoming obese (and potentially having other chronic conditions) depends greatly on parents’ behavior and the home environment. Variable factors that affected these health risks included eating habits, the amount of time spent watching TV and on electronics, sleep habits and levels of physical activity.

To help you “chronic disease-proof” your home for your kids, view this sample “healthy home”:

Bedroom• Consistent bedtime (allowing for 9-11 hours of sleep per night)

• Tech-free zone one hour prior to bedtime to wind down

• No TV in the bedroom

Living Room• Swap passive video games for interactive video games, such as Wii FIT and Wii Sports

• Limit TV time to 1-2 hours per day (includes gaming/computer time)

• Make screen time active time by having kids do jumping jacks or run around the room during commercials

• No eating in front of the TV

• Have kids help with active chores, such as vacuuming

Garage/Outside• Promote physical activity by having bikes, scooters, soccer ball, hula hoop, jump rope, basketball, football and other toys available

• Encourage at least 30 minutes of physical activity each and everyday

• Take a walk after dinner with the family or walk the dog after school

Kitchen• Start the day serving kids a healthy breakfast

• Eat home-cooked meals together five or more times a week/avoid fast food

• Turn off the TV during meals and talk with one another instead

• Minimize access to sugary beverages (soda, sport drinks, juice) and offer water at every meal

• Make the healthy choice the easy choice by stocking the house with healthy options—fruits, veggies, unprocessed (not pre-packaged) foods and whole wheat items; leave junk food at the store

• Create healthy “grab-n-go” snacks like fresh fruit on the table

• Use smaller 10-inch plates to teach portion control; fill half the plate with fruits and veggies

Bathroom• Good oral hygiene is connected to a healthy heart, so be sure to have kids brush and floss twice daily

Page 17: VOL 3 | ISSUE 2 | MARCH/APRIL 2013 in Chargecampaign to raise awareness about heart health. Kicking off last month during the American Heart Association’s “Wear Red Day,” the

in Charge MARCH/APRIL 2013 15

Is Your Home Setting Up Your Kids for Heart Disease? (Sources: WebMD, Let’s Move.gov and Prevention Magazine)

+ S A F E T Y @ H O M E

Spring is right around the corner, and that means that severe weather season is also fast approaching. Whether it’s severe thunderstorms with lightning, tornadoes, torrential rainfall that causes flash

floods or destructive winds, staying safe in a storm means being prepared for them before they happen.

Weathering the Storm: Tips for Preparing for Severe Weather(Sources: US Dept. of Homeland Security, FEMA and The Weather Channel)

Know the Difference TORNADO WATCH: Tornadoes are possible, but haven’t been seen. Remain alert for approaching storms. Watch the sky and stay tuned to NOAA Weather Radio, commercial radio or television for information.

During:• Stay tuned. Listen to local news and weather for latest updates from the National Weather Service, or visit www.nws.gov.

• Go inside. When you first hear thunder, see dark threatening skies or see lightning, seek safe shelter inside. Go to an interior room and put as many walls as possible between you and the outside. Stay away from windows, doors and outside walls.

• Avoid electronics. Any item plugged into an electrical outlet may cause a hazard during severe weather, especially corded phones.

• If a tornado warning is issued:

D - Go DOWN to the lowest level

U - Get UNDER something

C - COVER your head with a pillow, blanket or mattress

K - KEEP in shelter until the storm has passed

After:• Report power outages and any downed wires to DTE Energy’s toll-free number, 800.477.4747. Be sure to never touch a downed power line.

TORNADO WARNING: A tornado has been sighted or indicated by weather radar. Take shelter immediately.

Before:• Have a plan. Be sure everyone in the family knows where to go and what to do in case of severe weather.

• Pick a place. Determine the safest room in your home—load-bearing walls near the center of the basement or lowest level are best.

• Create a kit. Have emergency supplies on hand, such as a battery operated NOAA Weather radio, flashlights and first-aid kit. See callout to the right for details.

• Stay informed. Sign-up to receive text messages and/or emails from your local media, weather provider or the Weather Channel (www.weather.com).

• Elevate. In case of flooding, raise items off the basement floor.

• Protect electronics. Equip computers, televisions and other sensitive electronic devices with surge suppressors/protectors.

• Know how to shut off utilities. Know how to turn your power, water and gas on and off and change fuses. Have proper tools (i.e. wrench) ready and nearby.

• Keep fire extinguishers on hand. Be sure everyone knows how to use them.

• Tend to the outdoors. Bring in children’s toys, patio furniture, garbage cans or other items that could be blown around. Remove dead or rotting trees and branches that could fall and cause injury or damage.

• Open sesame. Know how to open your automatic garage door manually in case the power goes out.

EMERGENCY KIT CHECKLIST

Battery-powered or hand-crank radio or television

Flashlights or battery-operated lanterns

Extra batteries

First Aid Kit

Matches

Tool box

Bottled water (a gallon per person per day for 3 days)

Manual can opener

Non-perishable food (canned goods, dry goods, baby formula, etc.)

Disposable plates and utensils

Pet food and supplies

Blankets/sleeping bags

Corded telephone

Cellphone charger

List of local shelters

Extra prescription medications

A list of emergency phone numbers

Page 18: VOL 3 | ISSUE 2 | MARCH/APRIL 2013 in Chargecampaign to raise awareness about heart health. Kicking off last month during the American Heart Association’s “Wear Red Day,” the

16 MARCH/APRIL 2013 in Charge

People who are usually happy and enthusiastic are less likely to develop heart disease than those who tend to be glum, and boosting positive emotions could help cut heart health risks such as heart attack or

stroke. Researchers from the Harvard School of Health analyzed more than 200 studies from the past 15 years, and found that optimism, life satisfaction and happiness were tied

to reduced risk of heart disease and its progression. Some interesting findings include:

Don’t Worry. Be Happy. Your Heart Will Thank You

(Sources: Harvard School of Public Health and WebMD)

P O S I T I V E E N E R G Y+

Is Your Unhappiness Unbearable? Occasional unhappiness is normal and to be expected, but if you are unhappy on a daily basis and have a growing sense of

hopelessness, perhaps talking with a professional counselor can help. You don’t have to live life this way. Call WellLIFE Employee Assistance Program confidentially at 888.327.4347 (DTE Energy Affiliate Companies call 800.969.6162).WellLIFE

EMPLOYEE ASSISTANCE PROGRAM

The most optimistic people had half the risk of a heart attack when compared to the least optimistic.

Those with a strong sense of well-being also tended to have healthier blood pressure, cholesterol and weight, and were more likely to exercise, eat well, get enough sleep and avoid smoking.

321 They design their lives to bring in joy.

Happy people make intentional changes in their life to ensure their day is filled more with activities/tasks they like, compared to those they don’t like. Many people don’t realize their happiness is something they can design and have control over. Analyzing one’s life isn’t necessarily easy and may require questioning long-held assumptions. Fortunately, changes don’t have to be big ones to tip the joy in your favor.

Take the first step: Transfer even 30 minutes of your day from an activity you dislike (carpooling, scrubbing the bathroom) to one you enjoy (reading, spending time with friends), and you should see a significant improvement in your overall happiness.

They avoid “if only” fantasies.

If only I could get a better job... make more money…find a partner...lose the weight...life will be perfect. Happy people don’t buy into this kind of thinking. They don’t base their happiness (or postpone it) on obtaining one main goal. In addition, the latest research shows that we’re surprisingly bad at predicting what will make us happy. And, we tend to overlook what’s called “hedonic adaptation”—the brain’s natural dimming effect, which guarantees, for example, that a new house won’t generate the same pleasure a year after it’s purchased. Happy people are wise to this, which is why they keep their lives full of novelty—just trying a new activity or putting a new spin on an old favorite.

Take the first step: Step up your walking routine and register for the Heart Walk this summer, or if you have a sport you like, consider joining a recreation league.

3 Characteristics of Happy People and Tips for Becoming One of Them Happy people focus on personal growth.

Picture happiness. What do you see? Yourself peacefully sitting on a sandy beach with the ocean and sunset in the background, just appreciating the moment? That kind of passive, pleasure-oriented contentment is definitely a component of overall happiness, but re-searchers now believe personal growth—making the effort to continually take on new challenges and striving toward excellence based on one’s unique talents and potential—offers a greater sense of contentment and potentially contributes to a better sense of well-being.

Take the first step: Do something new in your life. Sign up for a new fitness class, take an Asset Health Course (see page 13) or work on building healthier habits by registering for the new DIET FREE™ program (see page 3).

Page 19: VOL 3 | ISSUE 2 | MARCH/APRIL 2013 in Chargecampaign to raise awareness about heart health. Kicking off last month during the American Heart Association’s “Wear Red Day,” the

in Charge MARCH/APRIL 2013 17

5

4

2

F I N A N C I A L W E L L N E S SR

This material is provided for informational and educational purposes only. It is not intended to provide personalized tax, lending, ERISA, legal or investment advice. A professional should be sought for all such matters. Nothing in the Education Section of the web site should be construed as a solicitation of an offer to buy or sell any security. While sources of information are believed to be reliable, JPMorgan Retirement Plan Services does not warrant or guarantee the information. Where assumptions have been made, they are hypothetical in nature and not representative of any particular security. Past performance is not a guarantee of future results and investing in securities involves risk, including the possible loss of principal.

Pay Yourself First. Treat the “purchase” of your savings as the most important “expense” you have. One way to do this is by

participating in your DTE Energy 401(k) Plan, where your contributions

come out of your paycheck automatically, before you have a chance to spend it. Try to contribute enough to take advantage of DTE Energy’s matching contribution. Dollar for dollar, it’s the best return you’ll get.

Saving is one of those good habits—like exercise, eating right and saying please—that anyone with a certain amount of discipline can master. When it comes to saving for your retirement, one good way to impose a little discipline on the process is to think of what you are doing as “buying” your retirement ahead of time. Paying for your retirement at the same time you are raising a family or building a career might seem impossible at first. Many of us live paycheck to paycheck, barely making ends meet. And there are other things to save for, like a house, your children’s education, and so on.

Still, there are ways you may not be aware of that can help you afford the kind of retirement you want or at least one that is more secure. It’s all about making the process of saving easier and more effective.

Smooth Out Your Cash Flow. The goal is to find a way to spread annual or semi-annual expenses into small and even monthly or quarterly payments. This will make it easier to meet those expenses without “busting” the budget. For example: Auto and life insurance premiums can often be paid on a quarterly basis.

How to Save for retirement When it Looks Like You Can’t (Source: Adapted from JP Morgan Retirement Services)

By: Elizabeth Pochini—DTE Energy/Manager, Retirement Income Benefits

5 TIPS

1

Manage W-4 Withholding To Fund Retirement. If you receive a federal tax refund each year, complete a new W-4 employee payroll withholding form and increase your allowances. THEN increase your 401(k) contributions by the same amount as your refund. Be sure to take into account any annual tax-deferred contribution limits. Your take home pay will be the same or more, and you are funding your retirement with future tax refunds!

Take Some “Quick Hit” Savings Steps. You’ll be amazed how making small adjustments in spending habits can add up to create a nice chunk of change to put into retirement. For example, if you buy coffee every day, you could be spending $80 a month! Start making your own coffee beverages or limit yourself to one drink per week.

Invest Rather than Spend Your Bonus. If you earn a bonus at work, put some or all of it aside for retirement before you even have a chance to get used to your higher

paycheck. Either increase your 401(k) Plan contributions or consider putting it in an

Individual Retirement Account (IRA).

Planning for Retirement? Don’t Forget

Healthcare CostsHealthcare costs can become a challenge at any stage of life. But these costs are a particular concern during retirement for two reasons: because the frequency of health problems usually increases when we get older, and because after retirement we are no longer drawing a regular salary. Many Americans assume that Medicare, the government-backed health insurance program, will cover the majority of their healthcare costs after they stop working. In reality, however, Medicare only covers 51%, according to Employee Benefit Research Institute.

Today’s workers should plan to supplement their retirement income to cover their medical expenses and planning for these expenses should begin long before retirement. Some experts recommend setting aside 5% of one’s annual budget for health-related costs.

3 60 percent of workers report that they

and/or their spouses have saved less than $25,000 for retirement (excluding the

value of their homes and pension plans). ~ Employee Benefit Research Institute

Page 20: VOL 3 | ISSUE 2 | MARCH/APRIL 2013 in Chargecampaign to raise awareness about heart health. Kicking off last month during the American Heart Association’s “Wear Red Day,” the

U

DTE Energy CompanyOne Energy PlazaDetroit, MI 48226

PresortedFirst Class

U.S. Postage PAID

Royal Oak, MI Permit No. 759

S P O T L I G H T O N E Y L A M B A S S A D O R S

Test Your Knowledge and Earn Rewards: in ChargE Quiz! You can earn 25 entries into the Quarterly Drawing, or 25 EYL Activity

Credits, by reading this issue of IN CHARGE and taking just a few minutes to answer questions based on what you’ve read. To access the quiz, go to: https://www.surveymonkey.com/s/InChargeMarchApril2013. You must complete the online quiz by April 15, 2013 to earn your reward.

Annie’s Personal Passion for Promoting Healthy Living and the Heart Walk

Annie Cannon Meyers became an EYL Ambassador for the Fuel Supply team last year. “I have always been pretty involved in my personal health and saw this as a way to help encourage others to take steps to live a healthier lifestyle,” explains Annie. Although she takes pride in having watched her weight over the years, exercised regularly and watched what she ate, Annie shares that a personal health scare stepped up her efforts.

“About 10 years ago, I noticed my vision was not quite right. It was blurry. I went to an ophthalmologist and after further examination and tests it became apparent that it was more than just a vision issue. Ends up I had suffered a TIA, which is basically a small stroke. I couldn’t believe it. I didn’t fit the profile for someone at risk for a stroke, but it happened,” she exclaims.

In 2008, Annie became involved with the American Heart Associations’ Heart Walk as a volunteer, a role she was proud to play for years after. Then in 2008, Annie was approached to serve as a Captain of the Heart Walk, which involves recruiting walkers, getting contributions and generally spreading awareness about heart disease and promoting the Heart Walk. “The interesting thing about the timing of all this, was that I had literally just returned from my brother’s funeral. He had passed away after suffering a massive stroke, and had a heart attack the year prior. I couldn’t believe that this was so coincidental,”

shares Annie. Now, in her second year as an EYL Ambassador and fourth year of serving proudly as a Heart Walk Captain, Annie combines her roles to spread the word about heart health and motivate her team members to walk for a good cause and for their own health. “For added recognition, I’ll post people’s names on hearts when they donate to the Heart Walk. It’s great to see the enthusiasm for this important cause,” she adds. Thanks, Annie, for all of your efforts on behalf of EYL and the Heart Walk!

Meet Annie L. Cannon Meyers Business Technician, Fuel Supply

DTE Energy employee for 37 years

Learn about the signs and symptoms of strokes on page 11!

Employees and immediate family members who are having difficulty dealing with a variety of life issues can participate in our WellLIFE Employee Assistance Program (EAP), available through Henry Ford Health Services, on a 24/7 basis. WellLIFE EAP

professionals provide free confidential counseling and referral services and can help you or family members with situations causing stress and anxiety in your life. If you or someone you love is in need of these services, contact one of the following numbers to make an appointment: Toll-free: 888.327.4347/After Hours Crisis Line: 313.468.2000.

WellLIFEEMPLOYEE ASSISTANCE PROGRAM

KNOW YOUR NUMBERS