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Information Security Professional
GIAC Professional benefits
Killexams : GIAC Professional benefits - BingNews https://killexams.com/pass4sure/exam-detail/GISP Search results Killexams : GIAC Professional benefits - BingNews https://killexams.com/pass4sure/exam-detail/GISP https://killexams.com/exam_list/GIAC Killexams : SANS GIAC Certification Guide: Overview and Career Paths

The SANS Institute was founded in 1989 to provide IT security and administration information and vendor-neutral training on those subjects. Since its inception, SANS has trained more than 165,000 individuals via in-class courses, training events, and technical conferences held throughout the world; self-paced online training (called SANS OnDemand); and interactive virtual training (called SANS vLive).

Course Topics from the SANS Institute include security essentials, hacking techniques, intrusion detection and incident response, network defense, mobile device security, auditing, digital forensics and related security topics. The “information” component of SANS includes the SANS memorizing Room, an extensive library of downloadable security research documents; the Internet Storm Center, which monitors and reports on malicious attacks and provides weekly bulletins and alerts; free security policy templates; the CIS Critical Security Controls for cyber defense and more.

SANS formed the Global Information Assurance Certification (GIAC) program to act as the certification arm for its training courses, ensuring that individuals meet knowledge and skills standards in specific areas of IT security. More than 165,000 GIAC credentials have been issued. GIAC certifications are well known and highly respected among employers and the information security industry. Even the United States National Security Agency (NSA) recognizes GIAC certifications.

GIAC offers more than 30 security certifications across introductory, intermediate, advanced and expert levels. According to SANS, GIAC certifications are unique because “they measure specific skills and knowledge areas rather than general infosec knowledge.” That means a typical GIAC certification requires rigorous preparation and hands-on experience. That’s why SANS training comes highly recommended.

Note: Another component of SANS is the SANS Technology Institute, which offers one security-related master’s degree – the Information Security Engineering (MSISE). The SANS Technology Institute also offers five graduate certificate programs focused on Cybersecurity Engineering (CORE), Cyber Defense Operations, Incident Response, Industrial Control Systems Security, and Penetration Testing and Ethical Hacking.

SANS GIAC certification tracks

GIAC certifications fall within six specific domains, each with its own certification track:

  • Cyber Defense: Boasting 12 credentials (10 of which are advanced certs), the Cyber Defense certification family is the largest of the SANS GIAC certification domains. Cyber defense certifications are geared to professionals who identify and defend against cybersecurity threats.
  • Industrial Control Systems (ICS): SANS GIAC offers three ISC certifications, one at the intermediate and two at the advanced levels. ISC certifications are geared toward control system engineers and other security professionals charged with cyber security for control system infrastructures and technology along with automation security.
  • Penetration Testing: SANS GIAC-certified pen-test professionals possess the skills necessary to perform tasks that include evaluating attack techniques and methods, recommending security best practices to prevent security incidents, and formulating plans to defend against security incidents when they occur. With seven credentials, Penetration Testing is the second largest certification domain. Credentials are offered for a variety of scenarios, including web applications, mobile devices, Python coding, wireless networks, ethical hacking and more.
  • Digital Forensics and Incident Response: This domain targets InfoSec professionals, including IT administrators, security engineers and security analysts. Also included are law enforcement and legal professionals who respond to security incidents and related cyber breaches, conduct forensic investigations, and examine and gather incident artifacts and related evidence.
  • Developer: Developer certifications are aimed at developers and anyone else interested in building secure programs and applications. Three certs are offered – Java programming, web applications and .NET programming.
  • Management and Leadership:  The management and leadership domain is focused on professionals who may have (or lack) technical skills but provide managerial or project management support. They are also instrumental in developing and implementing security policies on an organizationwide basis. These credentials include certs for auditors, project managers, CISOs, data security law and InfoSec professionals.

Another certification “category” is the pinnacle GIAC certification – namely, the GIAC Security Expert (GSE). Some industry officials consider the GSE to be the premier security-related certification available today. Whereas most GIAC certifications can be achieved by passing a single multiple-choice exam, the GSE test includes both a multiple-choice component and a hands-on lab.

SANS GIAC certification levels

SANS offers four levels of certifications, including introductory, intermediate, advanced and expert. The table below is a modified version of the GIAC certification roadmap,  which lists each certification by level and certification tracks.

Introductory Level

Cyber Defense

Intermediate Level

Cyber Defense

ICS

Penetration Testing

Digital Forensics and Incident Handling

Management and Leadership

Advanced Level

Cyber Defense

ICS

Penetration Testing

Digital Forensics and Incident Response

Developer

Management and Leadership

Other than the GSE, GIAC certifications require passing one test and have no prerequisites. That said, GIAC highly recommends SANS training courses, especially for candidates who don’t have adequate hands-on experience and aren’t able to self-study.

Once an application has been approved, candidates have four months to attempt the associated exam. (GIAC does not administer exams immediately upon conclusion of a training event; candidates must wait at least seven days to sit for the exam.) The cost of each GIAC exam is currently $1,899, which includes two practice exams. The lab test for the GSE is $2,459, and the written test is $499. (Note: Students can purchase and take an test as part of a training course, or they may purchase and take an test by itself.)

SANS GIAC certification renewal

To remain certified, credential holders must renew their GIAC certifications every four years by earning 36 continuing professional education (CPE) credits. CPE credits may be earned by completing approved training or certifications, participating in continuing education, publishing a technical paper, completing certain graduate-level courses, getting community or work experience or participating in cyber range activities. A renewal fee of $429 is also required.

GIAC certifications cover the gamut of job roles in IT security today. GIAC-certified professionals work as security analysts or specialists (two of the most common roles), information security engineers, network security admins, database administrators, developers, forensic specialists, risk managers and auditors.

Large organizations with security operations centers (SOCs) need SOC analysts, engineers and supervisors, as well as directors of cybersecurity. A bevy of companies also hire employees and consultants who perform incident response, penetration testing and the like.

With almost 314,000 security-related jobs open in the U.S. alone (and 3.5 million globally by 2021), a reasonably educated and experienced person stands a good chance of getting hired fairly quickly. Adding a security certification or two to your resume not only validates your skills, but it may get you noticed by a hiring manager or deliver you more leverage during salary negotiations.

SANS training courses and events vary in format and price, but candidates can expect to pay around $5,800 to $6,610 for a training course. Although the price tag is high, many candidates recommend SANS training for its quality and depth as well as its usefulness in eventually achieving GIAC certification. SANS instructors are usually industry experts and/or full-time security practitioners, and invariably get glowing reviews from course attendees.

Candidates who attempt GIAC certification exams should consider taking practice tests beforehand. A practice test mimics an real test and is, therefore, a terrific study aid. All GIAC certification attempts (except for the GSE) come with two free practice exams. A few practice tests are also included with training courses. Candidates who don’t take training can purchase practice tests for $159 each by clicking a link in their SANS/GIAC portal account.

Sun, 18 Sep 2022 12:00:00 -0500 en text/html https://www.businessnewsdaily.com/10786-sans-giac-certification-guide-overview-and-career-paths.html
Killexams : How Divorce Impacts Your Military Benefits

Getting divorced is a complex process, and it is especially complicated in the military.

Most pitfalls for service members lie in the division of certain government benefits. There are particular restrictions for veterans that govern how their benefits are split during a divorce, as military or veteran benefits may or may not be distributed.

What Military Benefits Are Considered Marital Property?

A military pension may be considered shared property that must be divided in the event of divorce. In general, marital property that does not meet the criteria of separate property is split at divorce. Property obtained either before or after a divorce is referred to as "separate property." Property acquired during the marriage is usually considered shared property unless it was received as a gift or inherited entirely in the spouse's name.

New federal restrictions in 2017 also altered how pensions are distributed throughout all 50 states. The pension is currently locked in time as of the separation, divorce or annulment date. The purpose of this federal regulation was to prohibit an ex-spouse from receiving a higher-than-normal pension sum. For example, if the service member was a sergeant at the time of the divorce but is now a master sergeant, the ex-spouse will get a portion of the retirement income based on the lower rank.

Some examples of military benefits that would be considered separate property include Combat-Related Special Compensation (CRSC) and VA Disability Compensation. These payments are considered separate property of the retiree and are not split upon divorce because they involve an injury or medical condition and are not retirement benefits. Similarly, Department of Veterans Affairs disability compensation benefits are not subject to divorce since these benefits are viewed as a particular gratuity provided to veterans with disabilities related to their time in the military as recompense for any diseases or injuries they sustained while serving.

The 20/20/20 Rule

The 20/20/20 rule is often brought up during a military divorce when deciding upon an ex-spouse's access to the same benefits as a military spouse. The breakdown of the criteria that make ex-spouses eligible include:

  • Being married for 20 years;
  • The military spouse having served for 20 years; and
  • The 20 years of marriage overlapping the 20 years of military service.

Should the ex-spouse meet all of these requirements, they will receive access to the same benefits as a current military spouse for the remainder of their life, provided they don't remarry. They will still retain their military ID card, which grants them access to base commissaries and military exchanges. Continuation of Tricare benefits for qualifying spouses is not automatic and must be re-registered under their own names and Social Security numbers. Tricare requires applicants to provide original copies of their marriage certificates, divorce decrees and any other papers proving their ex-military spouse's service or retirement.

According to the Tricare website, eligible former spouses have the same Tricare coverage choices as retired family members up until they remarry or sign up for an employer-sponsored health plan.

The 10/10 Rule

Another rule that is often cited during a military divorce when it comes to awarding military pensions is the 10/10 rule. In short, the 10/10 rule states that, if the marriage lasted 10 years and the service member or former service member served in the military for at least 10 years during that time, the former spouse is entitled to pension payments directly from the Defense Finance and Accounting Service (DFAS). The spouse's attorney must ensure that specific language is included in the divorce paperwork.

The rule addresses only the source of payment to the spouse, which is a direct payment. The spouse gets pension-related payments directly from DFAS, which handles payments for the Defense Department. As a result, the ex-spouse is freed from the need to rely on and wait for payments from the retired service member.

The 10/10 rule generally causes confusion when retired military personnel claim that the former spouse is only eligible for military pension benefits if the pair were married for at least 10 years while they were together serving in the military. The 10/10 rule is only used to determine whether the former spouse will receive payments directly from DFAS instead of the service member or veteran. The 10/10 rule is not used to determine whether a former spouse is entitled to a portion of the pension.

The Uniformed Services Former Spouses' Protection Act

The USFSPA is a statute passed by Congress in 1982 to provide financial protection to some ex-spouses of service members. It permits states to divide military disposable retiree pay as marital property in the event of a divorce. Disposable retirement pay is defined as the total monthly retirement pay, minus:

  • Deductions for retirement pay forfeitures following a court-martial;
  • Deductions from a military member's waiver of retirement pay as a requirement for veteran benefits;
  • Amounts equivalent to retirement compensation under U.S. Code Title 10, Chapter 61 Script; and
  • Elective deductions in accordance with U.S. Code Title 10, Chapter 73 Code used for annuities paid to a spouse or ex-spouse in accordance with Title 10, Section 1408 of the U.S. Code.

Further, a former spouse can take out child support or alimony from the military spouse's retired pay; however, it still requires a court order and must pass the 10/10 rule should the award be sent as a direct payment. According to the USFSPA, no more than 65% of a retired military member's pension can be deducted for spousal and child support obligations.

Survivor Benefits Plan Elections

The SBP is an annuity that a retiring service member can elect to ensure that their beneficiary receives a portion of the retired pay after they die. SBP is a specific benefit that the retiree must elect, generally at the time of retirement from active duty or immediately upon receiving their 20-year letter as a reservist, for a spouse, child or anyone with an insurable interest in the retiree.

Even if some service members decide not to sign up for the SBP plan because they have no qualified beneficiaries, they might later get married or have a kid who qualifies for benefits and want to change their election status. Because the reasons for changing one's coverage are few and far between, the SBP election made by service members at the time of retirement is difficult to change. In such a case, a service member would have one year from the date of initial eligibility (marital change, childbirth, etc.) to announce their desire to have their beneficiary covered.

In the case of marriages, there are many different nuances to be aware of, and depending on whether it is a remarriage or not, the election process and coverage amount may be subject to change. To learn more about SBP benefits, check out our article "What You Need to Know About Your SBP Benefits" for more information on your rights and coverage.

Understanding Your Benefits in a Military Divorce

Divorces involving military personnel may be highly complex. It's crucial to know your rights when it comes to your benefits and to seek experienced legal counsel should you have any remaining questions. Even if the marriage lasted fewer than 20 years, the court may nonetheless award a portion of the military member's retirement to the civilian spouse. Every circumstance is unique. In some circumstances, the parties will divide the pension, while in others, one party will cede their pension rights in exchange for other assets after the divorce.

A former first sergeant in the United States Army Reserve and a combat veteran, Anthony Kuhn focuses on the representation of military personnel, federal employees and federal agents at Tully Rinckey, where he is a managing partner.

Know All Your Legal Rights and Benefits

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Sun, 18 Sep 2022 20:40:00 -0500 en text/html https://www.military.com/benefits/military-legal-matters/how-divorce-impacts-your-military-benefits.html
Killexams : From nursing to banking to benefits, I finally found my professional calling

Growing up as a second-generation immigrant from Guatemala and El Salvador whose parents crossed the border for a better life, expectations were high. I was destined, my parents were sure, to become a doctor. 

At 14, one of the nation's best neurosurgeons performed an operation on my brain, and later allowed me to witness a similar arteriovenous malformation surgery on another patient. That's when I became enamored with the hospital setting and helping people. 

That proved beneficial once I found my true calling as a benefits broker, but it took me a while to find the right path. 

I always wondered how impactful it would feel to know you saved someone's life, which is what led me to become a nurse. At this time in my life, I was unsure and confused about the path I was on. I was married to an airline pilot who was in the air more than he was at home. I was working grueling night shifts and caring for a two-year-old in the morning, as if I had a full night's sleep. I was operating like a single parent with no work-life balance, and it took a toll on me and on my marriage, which endured a rough patch.

Read more: Advisers in conversation: Using purpose and passion to drive better health outcomes

The stress finally caught up to me: I broke down crying in the middle of a standard blood transfusion in the oncology unit, complaining about the lack of resources and support we had on the clinical side. I was just about done with nursing. Imagine being subjected to this emotional scene on the other side of that transfusion — my patient started to laugh and politely reminded me she was possibly dying of cancer. She also told me that she could introduce me to banking and finance when I was ready. 

I was intrigued. That type of 9-to-5 work would allow me to drop off and pick up my daughter from school every day. Nurses work three days a week, but it takes another three days to recover. A year later, I took the leap of faith and gave her a call. 

Before long, I started working in a branch setting of a bank and had an amazing boss, who saw the future I was capable of creating. She was familiar with what starting over was like. She pushed me to my limits, and I will forever be grateful. She knew I had much more potential and always coached me. 

A few months later, I worked with the commercial team and partnered with a more senior banker. We won a deal the bank had been chasing for more than 10 years. I remember printing the contract and framing it for my boss. I did what he hadn't in an entire decade. 

Read more: Replacing group health with individual-market plans benefits everyone

Before basking any longer in the success of my new banking career, a commercial banker connected me with an insurance agency executive whose work she thought would be a great fit for me. Her thinking was that between my experience with the bank and my nursing background, I might actually find my true calling. She was spot on. 

I was fortunate enough to accept a job with a leader who understood that education must come first. He set me up with the best building blocks to support my future. I got to train for almost a year and had limited expectations when it came to production goals. He made sure I worked in all the roles that would eventually support me. I sat as an account manager, account executive, senior account executive and finally with one of the Washington, D.C. area's top benefits producers.  

Little did he know, I also had another big production under way: my last baby (I know, talk about timing). But despite all that, I still managed to complete the training as best I could and even brought in a pretty large commercial insurance deal — all while "training" to be a producer. Before I started in the field, I never knew what the job entailed, but now I can't stop trying to convince people why a career in this space is so deeply satisfying. 

For me, being a broker was about more than seeing the daily injustices that happened in the clinical setting; I was often part of hard conversations involving insurance company denials of an experimental drug or trial. Can you imagine having to tell someone that a complete stranger doesn't think their life is worth any more money? As pricing has become increasingly transparent, we are also seeing huge deficits in care. People are simply afraid to seek treatment due to financial hardship. My role as ex-banker-turned-benefits broker-is to educate and be a resource to help folks understand how to navigate the complexity of our healthcare system

As a much happier and healthier working mom, school volunteer and now broker, I wouldn't ever trade this gig for the world. I tell all my clients it's the closest thing that allows me to help people without requiring the clinical aspect. But having this professional background provides a unique appreciation for all the daily healthcare challenges I see across my book of business. I'm now seeing the struggle to Improve quality of care while also lowering cost from a completely different vantage point. 

Read more: During open enrollment, embrace voluntary benefits as the 'opening act'

It was also a necessary change that I needed to alter my path in life, providing a more comfortable space that would allow me to be the best possible version of myself.  Looking back on my meandering career, it has become increasingly clear to me how nursing, banking and the benefits brokerage business are all about forging relationships and helping people attain their goals — whether it's to get physically or fiscally healthier. 

For other brokers like myself who accidentally or haphazardly wound up doing this work, we can always build on previous experiences to deliver us the balance we need to serve our customers with both passion and purpose. 

Vice president, insurance services, PeopleStrategy

Wed, 28 Sep 2022 01:04:00 -0500 en text/html https://www.benefitnews.com/advisers/opinion/from-nursing-to-banking-to-benefits-i-finally-found-my-professional-calling
Killexams : THC-B Benefits: What You Need To Know

Everybody’s trying to find THC-B online, and we don’t blame them; THC-B benefits are amazing! From reports of THC-B benefits being anxiety reducing to relaxing, relieving and even joyous, we’re clamoring to get our hands on the best online THC-B ourselves. So where can we find it? At binoid.com

Binoid is our go-to online source for all cannabinoids, including  delta 8 THC, delta 10 THC, THC-O, THC-P, and HHC-P products on top of the latest and greatest THC-B products as well. Binoid sells their own branded THC-B vape cartridges in multiple flavors: Cloud Nine (Hybrid), Mountain Temple (Sativa), Juicy Fruit (Hybrid) and Caribbean Breeze (Indica). You can purchase the cape cartridges as singles of the above, or bundle your favorite flavors in either a 4-pack vape cartridge bundle or an 8-pack vape cartridge bundle. From informative articles, reliable customer reviews and the latest THC-B products, Binoid is a leading expert in the industry for cutting edge cannabinoids. 

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Why is Binoid the best place to buy THC-B online? One important aspect for us has always been Verified user reviews. A brand can make claims, but it takes real customer feedback to back up a brand being the best. Binoid has thousands of real reviews from people just like you and I; people using cannabinoids for recreation and medication. Seeing a full menu of five star THC-B products with more than enough app customers reporting back on the effects lets us know that we chose the right place to buy THC-B online when we navigated to Binoid.

With THC-B benefits that help you focus and potentially Improve your whole-body wellness, we won’t be surprised to see this cannabinoid take over as a top-seller in the months to come. If you’re ready to try it for yourself, you can check out Binoid’s THC-B products here. If you want to learn more about this incredible cannabinoid, from THC-B benefits to where THC-B is legal, keep memorizing for Binoid’s expert answers to all your recently asked THC-B questions. 

TO BUY THC-B PRODUCTS CLICK HERE

What Is THC-B? 

To get to the bottom of why THC-B benefits are so amazing, you first must understand what THC-B is. Tetrahydrocannabutol (THC-B) is one of 120 cannabinoids that naturally occurs in the hemp plant. An extremely trace cannabinoid, THC-B was discovered for the first time in late 2019. In fact, it was discovered along with tetrahydrocannabiphorol (THC-P) by a team of Italian researchers analyzing the chemical composition of the hemp plant through liquid chromatography. More on that in a little bit.

Because THC-B was only discovered a couple of years ago, it’s not surprising that there’s still a lot we have yet to learn about it. Remember, many other cannabinoids, including CBD, delta 8 THC, and delta 9 THC were discovered in the 1960s, giving us decades worth of research and clinical data to understand the exact nature of their effects on the human system.

Researching and testing cannabinoids takes time, and so our knowledge of THC-B remains somewhat limited at the moment. But, the researchers who discovered the cannabinoid did get a chance to analyze it enough to deliver us a good idea of its potential.

What Creates THC-B Benefits?

How are THC-B benefits created? You see, Tetrahydrocannabutol (THC-B) is a homologue of delta 9 THC, and in terms of chemical structure, the difference between the two is that while Delta-9 THC has a pentyl side chain, THC-B has a butyl side chain. It has been determined that THC-B has an affinity for both CB1 receptors (cannabinoid receptors in the nervous system) and CB2 receptors (cannabinoid receptors mainly in the immune and digestive systems), much like Delta-9. Plainly speaking, this means that THC-B works with a wide variety of processes throughout the body to offer regulatory effects via the function of the endocannabinoid system (ECS).

Also has been determined how THC-B works on CB1 receptors on a stronger level than delta 9 THC. Keep in mind, too, it’s the CB1 receptors in the brain that trigger the psychoactive effect for which we experience from those THC-based cannabinoids in general.

Note: It is unclear which cultivars (strains) could contain higher levels of THC-B than others, since little research has been conducted into this new cannabinoid.

THC-B Benefits: A List

One of our most asked questions is to provide a list of THC-B benefits. Great question! The reported benefits of THC-B include:

  • Strong mental and body experience
  • Chilled
  • Relaxed
  • Anxiolytic properties
  • Relief
  • Happiness

As we still have a lot to learn about Tetrahydrocannabutol, what we do know is that its psychoactive properties are already making it extremely popular. The high is often compared to THC-P, and in fact, the two cannabinoids seem to be popular to take together, as there may be a synergistic effect that really gives you a phenomenal experience within the body and mind in terms of mood, relaxation and so on.

The key thing to know about tetrahydrocannabutol’s high is that it is all about euphoria. People describe a stronger feeling of euphoria than they’ve ever experienced with any other cannabinoid. Also is potentially very-long lasting, as we are aware that many other cannabinoid-based products provide only a short phase of euphoria that doesn’t last for the duration of the high.

Also, alongside the euphoria effect, users report a uniquely powerful body high that can be intensely relaxing and great for easing physical tension.

THC-B Benefits: What You Should Know

Overall, there seems to be more research on tetrahydrocannabiphorol over tetrahydrocannabutol. Still, that doesn’t mean much when there isn’t much available at all. The data was published online in a scientific journal called Nature. It breaks down the direct process those researchers utilized to recognizing both THC-P and THC-B.

Researchers further document that it’s possibly THC-P, with several THC-B aspects, that might be bringing about the psychoactive effects in cannabis users over delta 9 THC. Of course, this is what scientists have been saying for years now. While challenged by other scientists, additional research must take place before clear acknowledgements are made. With cannabis still considered a Schedule I drug by the DEA, cannabis and hemp research is left to scientists outside of the United States to make breakthroughs.

THC-B Benefits: The High

Wondering THC-B benefits and if they including getting “high?” The answer is yes, THC-B can get you high. THC-B a psychoactive cannabinoid, and as we’ve already shared, it seems to have a stronger affinity for CB1 receptors than delta 9 THC, which directly influences the potency of its high.

Basically, this information implies that tetrahydrocannabutol’s (THC-B) high is more powerful than delta 9’s. Just how much more powerful has yet to be determined. Its psychoactive effects haven’t yet been observed by researchers, so we can’t offer a specific comparison, like we can with tetrahydrocannabiphorol which’s known to be about 10x as intoxicating as delta 9 THC. THC-B is unlikely to be more intoxicating than THC-P, the cannabinoid considered to be the most psychoactive in all of cannabis. We also don’t yet know the specifics of the high in terms of its dominant effects – for instance, whether it creates a feeling of euphoria, whether it’s associated with couch lock, etc. 

THC-B Benefits Explained

Let’s break down THC-B benefits a little bit more. With tetrahydrocannabutol (THC-B) being such a new discovery, we don’t have access to ample studies that confirm specific properties and effects that this cannabinoid type is capable of – yet. But, the researchers who isolated THC-B did test out the compound in animal trials to get a basic understanding of what viable benefits it has. They displayed how it created some of the identical effects in mice as it did in humans.

These primary effects include:

  • Analgesic Properties: The researchers observed analgesic effects when testing out THC-B. Analgesics are agents that reduce pain levels by affecting the way in which the brain receives signals from pain receptors that belong to the nervous system. THC-B products wouldn’t be the only cannabinoid to have analgesic effects, as several other cannabinoids, like CBD and delta 8 THC also have this property.
  • Anti-Inflammatory Properties: Many cannabinoids offer anti-inflammatory effects, and THC-B appears to be no different. The observed anti-inflammatory properties associated with THC-B likely have to do with the cannabinoid’s interaction with CB2 receptors that, among other things, can regulate the immune system’s inflammation response.
  • Sleep Effects: THC-B was shown to have positive effects on sleep. Specifically, the researchers observed that THC-B allowed for deeper sleep, and a shorter sleep onset time, both of which can be enormously useful to those who struggle with sleep each night.

Note: If you’re currently taking any medications, you should talk to your doctor first (and regardless, you should if you’re new to this cannabinoid) about trying THC-B, as it could suppress the CYP3A4 enzyme that’s responsible for metabolizing half the popular meds we take.

Is THC-B Legal? 

So the THC-B benefits are great, but are they legal? When researching what is THC-B one of the most important pieces of information you need to find is if THC-B is legal in your state. And, as of now, there’s no reason why it wouldn’t be, at least on a federal level, as we all know that state laws can change rapidly and sometimes without a seemingly good reason. THC-B is not a specific type of cannabinoid, but rather the result of a chemical process applied to existing cannabinoids that are already protected under federal law.

Also, THC-B can be applied to non-psychoactive cannabinoids as much as intoxicating ones, so THC-B is not inherently associated with causing a high, which is what makes many cannabinoids legally controversial. At this point, THCB and THC-B products are considered legal and may possibly be shipped to most states. 

Does THC-B Show Up On A Drug Test? 

As a rule of thumb, any time you encounter a cannabinoid with “THC” in the name, you should assume that it puts you at risk of failing a drug test. Why? Because all THC-based cannabinoids are metabolized by an enzyme called THC-COOH, which is what standard drug tests are seeking to identify in a person’s urine.

Because THC-B is particularly potent, there’s good reason to believe that it’s actually more likely to fail a drug test after taking this cannabinoid than it is after taking delta 9 THC.

Does THC-B Have Side Effects? 

With THC-B benefits come THC-B side effects. Taking too much THC-B, like any psychoactive compound can cause intense side effects. Again, because the compound is strong we suggest smaller dosages first then taking higher doses after time once you get comfortable with the compound and effects.

What is THC-B and does it have side effects? You should always research side effects before trying anything! Reported side effects include:

  • Strong mental and physical experience
  • Dry Mouth
  • Headache
  • May last for 1-2 hours
  • Powerful body experience

What Types Of THC-B Products Are There?

THC-B is just starting to make its way onto the market, and as you probably guessed, Binoid is leading the way with all the incredible THC-B benefits being reported by customers. THC-B can be converted into a distillate just like any other cannabinoid you’ve explored in the past, which means that it can be used to produce the same product types that you’re already familiar with. But, here are the products that you can expect to see appear first.

THC-B Vape Carts: THC-B vapes will probably be the most popular way to enjoy the cannabinoid, as we’ve seen with every other psychoactive hemp derivative. You’ll find THC-B cartridges, and disposable vapes will also likely emerge. These products will come in a variety of strains to choose from.

THC-B Gummies: Cannabinoid gummies are also extremely popular, so keep an eye out for THC-B gummies that offer several hours of intoxicating effects and delicious gummy flavor.

THC-B Tinctures: THCB tinctures mix MCT oil with 1000mg of THC-B and Delta 8 to make a strong and powerful experience in an edible form.

THC-B Bundles: You can get these amazing THCB products in bundles for an amazing price.

Where To Buy THC-B Products Online

As of now, the only real THCB products on the market are Binoid’s new THCB vapes. They use premium 94% THC-B and THC-O distillate, and are produced with hydrogenated cannabinoids. Other brands do not seem to have the same quality or effects currently. Therefore, we definitely suggest buying THC-B online from Binoid, as they are a trusted brand with over 25000 reviews on their website. They are the best and most potent THCB cartridges on the market.

However, given the buzz around THCB, we anticipate that this will become a trend throughout the hemp industry in the future. This hydrogenation process can be applied to any existing cannabinoid-based product on the hemp market. Everything from CBD topicals to delta 8 vape cartridges and delta 8 gummies can be made with hydrogenated versions of their active compounds to simply work more effectively through enhanced bioavailability. It could even become a new standard for processing hemp formulas.

Try THC-B Benefits For Yourself! 

It looks as though THC-B is about to become the new cannabinoid to experience, and you’ll be able to grab it right here at Binoid.

At Binoid, you can trust that their THC-B products contain only third-party-tested hemp derivatives and clean ingredients, to offer their customers the highest levels of quality and effectiveness possible.  Keep your eyes peeled as THC-B products make their way onto Binoid’s website, as we’re sure you’re going to want to deliver this exciting discovery a try.

TO BUY THC-B PRODUCTS CLICK HERE

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Tue, 20 Sep 2022 06:24:00 -0500 Branded Partner Content text/html https://www.laweekly.com/thcb-benefits/ Killexams : Health Benefits of Bike Commuting

You might dabble in biking for fun or exercise on weekends or holidays. But have you considered biking to work or school?

Studies show that if you swap your gas-guzzling car with a two-wheel bike, you might break a sweat during your commute. This will not only help you skip traffic, but you also gain physical and mental health benefits. It’s good for your pocket and the environment, too.

If you’re new to the concept of biking to commute but you’re ready to take a spin, here’s a quick rundown on how to get started, health benefits, and safety tips to get you going.

Health Benefits of Bike Commuting

Riding a bike to work or school is a great way to boost your overall health. In fact, researchshows that those who bike to work tend to stay slimmer and fitter than those who drive. That’s because they’re able to bump up their regular physical activity.

The benefits include:

It helps you maintain a healthy weight. Pedaling a bike requires you to use up stored energy. This burns calories. You’re able to do this even if you pedal on a flat surface at a slow, easy pace. For example, a 180-pound person who bikes 10-12 miles per hour for 30 minutes burns up to 240 calories.

The more active you are, you’re less likely you are to get chronic conditions like type 2 diabetes. It also lowers your risk for certain cancers like breast or colorectal cancer.

It’s good for your heart and lungs. Biking regularly has been found tostrengthen your heart muscles, Improve blood circulation in your heart and lungs, lower your resting pulse rate, and cut down on blood fat levels. This reduces your overall risk for cardiovascular diseases.

Moreover, if you bike to work, your exposure to air pollution is two to three times lower than folks who drive to commute. It improves your lung health in the long run.

Biking builds muscle. The repetitive motion of cycling is a form of aerobic exercise. That’s because you need to put in some force and effort to push the peddle to move your body weight forward.

You’ll need to do this all while sitting up straight and maintaining balance. This engages several muscles in your body in your lower, upper body, and core. This helps to lean you out and makes your muscles stronger over time.

Biking improves balance and proprioception. When you bike, you need to sit upright and engage your core to keep yourself from falling sideways. This helps to Improve your ability to maintain balance.

Additionally, cycling helps Improve your ability to understand where your body is in relation to space, action around you, location, and movement. This is known as proprioception.

As you age, both balance and proprioception can decline. But biking helps you stay active and lowers your risk for fall injury as you age.

It can boost mental health and relieve stress. Biking releases feel-good chemicals in your brain called endorphins. This can make you feel better, especially if you’re under stress. Regular physical activity from biking also positively boosts your overall mental health.

Cycling can:

  • Improve your mood
  • Pump up your self-esteem
  • Lower depression and anxiety
  • Help you sleep better
  • Improve cognitive brain function
  • Improve your memory skills
  • Promote new thought patterns that can Improve calmness and well-being

Financial Benefits

On average, Americansspend over $2,500 per year to get to and from work in a car. And according to AAA, Americans spend close to $10,000 per year to maintain a car.

Biking to work may require some upfront costs, especially if you need to buy a bike and basic accessories. But compared to driving a car to commute, the cost of owning a bike costs about $350. So biking to work can save you money.

It can cut down on expenses for gas, car payments, monthly car insurance, parking, and any car repairs or maintenance costs.

Some companies also offer commuter tax breaks if you choose to bike to work. But your employer will need to participate in a commuter benefit program. Check with your company if you qualify for such benefits.

Environmental Benefits

Biking to work is also good for the environment. When you bike to work, it can help:

  • Cut down on harmful chemicals and pollutants like antifreeze and motor oil.
  • Lower gas consumption. This then cuts down on harmful emissions like CO2 that pollute the air and contribute to climate change.
  • Reduce noise pollution from honking.

Fewer cars on the roads also means there’s less need to build more roads to accommodate them. This cuts down on runoff water that usually pollutes ground water.

How to Get Started?

First, if you don’t already have one, you’ll need to make an initial investment to get a bike with all the standard accessories like:

  • Helmet
  • Good brakes
  • Gears
  • Bike lock
  • Basket to carry your things if you need to
  • Headlight, especially if you’re planning to ride when it’s dark
  • Flat tire kit

To prepare your ride to work, you should:

Find the right bike. Bikes are available in several types and builds. For example, a road bike is a better fit to ride on smooth pavements. Whereas a hybrid bike is good if you plan to use it for work and switch to off-road for fun. If you’re unsure, ask an expert at a bicycle store for recommendations that fit your commuting needs.

Map your bike route. Not all roads have bike lanes. Try to choose a route where you do have a bike lane option. If not, opt for wider roads. Try not to bike on sidewalks or narrow roads. Avoid busy streets and large intersections. This way, you’re less likely to hit pedestrians or get hit by car drivers.

Test it out before start biking to work. This way you have a clear idea of the roads and what to expect. Don’t rush. It’s best to take your time and get to your destination safely.

Hand Signals for Bike Commuting

You’ll need to use you left hand to signal your turning direction and to stop.

Left turn. Stick your left arm out to signal that you’re about to turn left.

Right turn. Stick you left arm out and bend it upwards to signal a right turn. You can also stick out your right hand.

Stop. Stick your left arm out and bend it down at your elbow to signal that you’re coming to a halt.

If you’re about to pass bikers or people on the sidewalk or streets, yell “on your left” clearly and ahead of time so they can move out of the way for you.

Safety Tips When You Bike to Work

If you’re planning to bike to commute, here are a few safety tips you should keep in mind:

  • Wear a helmet at all times to protect your head and neck during a collision or an injury. Also, make sure it fits right.
  • Make sure your bike is in good working condition. For example, do your breaks work for both tires? Does your bell or light work? Do your tires have enough air? Make sure everything is screwed on tight and doesn’t wobble. If you’re concerned, have it checked out at a bike shop.
  • Pick a wide bike lane or not-so-busy street or route to work.
  • Find the right saddle and handlebar height for you. This will make the ride comfortable.
  • Check both sides of the road before you cross.
  • Don’t bike next to parked cars in case someone suddenly opens the door.
  • Wear reflective stickers on your helmet or put them on your bike. You can also wear a reflective vest to alert drivers when you ride in the dark.
  • Check and oil the chain regularly.
  • Always ride in the same direction as the traffic. Don’t ride against traffic.

If you’re just starting out or if you’re getting back on the bike after a long time, make sure to take it slow and don’t rush. Enjoy the scenery as you bike to work, follow road rules, and stay safe.

Thu, 06 Oct 2022 10:13:00 -0500 en text/html https://www.webmd.com/fitness-exercise/bike-commuting-health-benefits
Killexams : Global healthcare benefit costs expected to jump 10% in 2023

Karolina Grabowska from Pexels

Increases in global healthcare benefit costs are expected to hit their highest levels in roughly 15 years, according to a new survey of insurers, conducted by Willis Towers Watson. Worldwide, a 10% increase is expected for 2023. 

WTW's 2023 Global Medical Trends Survey found that 78% of global insurers are bracing for higher or significantly higher cost increases in the next three years. Those projections vary by region: Europe can anticipate an 8.6% increase next year; cost increases for Latin America are expected to hit a staggering 18.9%. North America is the one outlier within the report, with cost growth expected to drop to 6.5% over 2022's 9.4% increase. But for employers struggling to manage costs while prioritizing talent retention, that projected relief may feel elusive. 

Read more: Looking upstream to see how inflation may affect healthcare costs

"Healthcare affordability remains top of mind for insurers, employers and employees," Francis Coleman, managing director of integrated and global solutions at WTW, said in a release. "As we move into next year, we see a challenging year for employers in trying to balance the convergence of rising medical trend, salary pressures and the need to continue to make progress on DEI initiatives globally, all while dealing with potential recessionary markets."

Global medical trends:Healthcare benefit cost growth, 2021 – 2023

2021
2022
2023 projected
Global+
8.2%
8.8%
10.0%
North America
9.1%
9.4%
6.5%
Latin America+
15.1%
18.2%
18.9%
Asia Pacific 
9.8%
6.9%
10.2%
Europe 
5.6%
8.0%
8.6%
Middle East/Africa 
12.4%
10.5%
11.5%

*WTW: Global and regional trend rates are weighted based on GDP per capita. Due to the hyperinflationary nature of the Venezuelan economy, Venezuela has been excluded from Latin America regional and global totals.

In addition to challenging economic factors, the lingering impact of the pandemic is also increasing costs, as many consumers' and employees' relationship with healthcare has shifted in accurate years. 

"Worldwide general inflation, overall instability in the global economy, increased healthcare utilization in the wake of the pandemic and a dynamic labor market require employers and insurer to think and act differently to address these issues in a meaningful way," Eric McMurray, global head of health & benefits at WTW, said in a release. "Old solutions will not work. Cost shifting is not an option. There's a critical need for innovation, strategy and new solutions to have any substantive impact. Those that don't lead will fall behind in their ability to manage cost and retain key talent."

According to 74% of insurers, that increase in care utilization also reflects an overuse of care, caused by providers' overprescribing and making too many healthcare recommendations. 

Read more: What does Oregon's proposed healthcare reform signal for the rest of the industry?

Cancer, cardiovascular conditions and musculoskeletal conditions are significant drivers; MSK conditions were identified by respondents as the top condition by incidence of claims this year, in contrast to last year's ranking, in which it placed fifth.  A silver lining: telehealth continues to prove its value in both care delivery and cost management.

"To help manage and optimize benefit spend in 2023, we expect employers will need to look at more innovative options, such as new digital point solutions, which are expanding globally," Coleman told EBN. "Many of these virtual or telehealth options could be incorporated in traditional health benefits to Improve access to care and outcomes for areas with high claims incidence such as musculoskeletal or better mental health options. In adding these, employers will also need to review health and risk designs to ensure there is no duplication of coverage to ensure they realize the full value. Employees should also welcome these virtual and digital solutions to help Improve their speed and ease of access to services."

Thu, 13 Oct 2022 04:05:00 -0500 en text/html https://www.benefitnews.com/advisers/news/global-healthcare-benefit-costs-expected-to-jump-10-in-2023
Killexams : Biolage Professional Adds Multi-Benefit, Multi-Use Hair Oil to All-in-One Product Range for Intense Nourishment and Shine

The new All-In-One Multi-Benefit hair oil is infused with Moringa oil for a lightweight, fast-absorbing, nourishing formula that can be used as a pre-treatment, leave-in treatment or overnight treatment

NEW YORK – September 1, 2022 – (Newswire.com)

Biolage Professional, a worldwide leader in salon haircare, introduces the All-In-One Multi-Benefit Oil, an extension of the professional and consumer-loved All-In-One Multi-Benefit range formulated with key, natural ingredients for all hair types. This is Biolage’s first new launch since its August 2022 rebrand announcement which further solidified the company’s commitment to sustainability, as this oil and the brand’s entire portfolio is now vegan and cruelty-free certified, and made with 100% PCR plastic packaging.  

The brand-new All-In-One Oil is a multi-benefit, multi-use oil for all hair types, and is infused with sustainably-sourced Moringa oil, which is known for its moisturizing and protective properties. The vegan and mineral oil-free formula is lightweight with fast absorption and boasts 10 incredible benefits, including nourishment, hydration, shine, softness, manageability, detangling, split-end sealing and smoothing frizz. 

“We are thrilled to be further expanding the Biolage All-In-One line,” says Assistant Vice President of Biolage Professional, Aurelie Croze. “Unlike other hair oils on the market, the Biolage All-In-One Multi-Benefit Oil is both universal and versatile. When we developed the formula, we wanted to make sure this oil worked for all hair types, like other formulas in the All-In-One range. I personally used to shy away from using oils for fear that they would be too heavy for my hair, but this formula is unique in that it’s infused with Moringa oil and absorbs quickly for an invisible and lightweight feel. Plus, it can be used in three different ways—whether it’s for overnight nourishment or a post-blow-dry pop of shine.” 

The All-In-One Oil is also a multi-use product that can be used as a pre-shampoo for extra moisture, as a leave-in applied to towel-dried or blow-dried hair, or as an overnight treatment for nourishment, softness and detangling.  

“I’ve been anticipating the launch of the Biolage All-In-One oil for months and can’t wait for everyone to try it!” says Biolage Global Ambassador and Celebrity Stylist, Sunnie Brook. “Ever since the original All-In-One Multi-Benefit Spray launched, it’s been an essential in my hair kit for prepping and hydrating all my clients’ hair before they hit the red carpet. The All-In-One Multi-Benefit Oil is an additional essential in my kit to nourish, protect, smooth, and finish my clients’ looks, no matter what their hair type. I love that the product combines these numerous benefits with a nature-inspired formula.”

The All-In-One Oil is the latest in a line of multi-tasking products infused with key ingredients meant for all hair types. Other products in the range include the well-loved leave-in Multi-Benefit Spray infused with coconut oil, a gently exfoliating and moisturizing Shampoo Scrub made with oat, and an Intense Dry Shampoo infused with rice starch to absorb oil for up to four days. These products are formulated to be better for the hair and better for the environment, with key, natural ingredients and 100% vegan, paraben-free, and mineral oil-free formulas.  

The All-In-One Oil will be available at ULTA Beauty starting September 1, and available at Amazon, salons, JCPenney and Hair.com starting September 1. This product is competitively priced per ounce, with an MSRP of $24. For salon professionals, the All-In-One Oil will be priced at $12. Learn more about the brand-new product and the All-In-One range at Biolage.com 

### 

ABOUT BIOLAGE PROFESSIONAL: 
 

In 1990, Biolage Professional was born from the mind of hairdresser and entrepreneur Arnie Miller, who saw the opportunity to bring out hair’s natural beauty, touchable and full of movement. Since its conception, the brand has been inspired by natural ingredients, and known for its iconic white packaging and signature fragrance. Biolage Professional is recognized worldwide as a leader in salon haircare, offering high-performance, professional-quality products inspired by botanicals — and that reputation continues to grow. Biolage Professional is committed to consistently improving its formulas and sustainability standards, and is proud to announce that as of Aug. 1, 2022, the brand is 100% vegan, cruelty-free approved under the Leaping Bunny program by Cruelty Free International, and its signature bottles are made from 100% post-consumer recycled plastic. We recognize that sustainability is a journey of continuous improvement, and we invite you to join us.  

EDITORIAL/MEDIA INQUIRIES: For all media inquiries, including trial requests, please contact Alexa Lewis: [email protected] // 310-878-2560  

HIGH- RES IMAGES: https://agencyguacamole.box.com/s/hzk9gly7m0qhruf1y82ozzp01bsr7t47  

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Biolage Professional Adds Multi-Benefit, Multi-Use Hair Oil to All-in-One Product Range for Intense Nourishment and Shine

Thu, 01 Sep 2022 00:19:00 -0500 iNewswire en-US text/html https://www.digitaljournal.com/pr/biolage-professional-adds-multi-benefit-multi-use-hair-oil-to-all-in-one-product-range-for-intense-nourishment-and-shine
Killexams : Can You Get VA Benefits for COVID?

Can you get VA disability benefits for contracting COVID-19? The answer depends on when and where you got COVID, and how the illness affected you.

While getting COVID-19 isn't normally enough to qualify for VA disability benefits, veterans who became ill with COVID while on active duty and suffer from other medical conditions, especially 'long COVID" as a result of their exposure, may be eligible for VA benefits, including disability and medical care.

As of early September 2022, more than 450,000 military members have become ill with COVID-19, according to the Centers for Disease Control and Prevention (CDC). The CDC also says that nearly 20% of Americans infected with COVID also show symptoms of long COVID, this means that several thousand military veterans may suffer from long COVID symptoms.

What Is Long COVID?

Long COVID is the name given to any of several symptoms that affect those who have been ill with COVID-19 and recovered from the main illness. These new symptoms can develop anytime after the initial infection (usually within 1-3 months), they can also persist and sometimes become worse.

According to the VA, anyone who suffered from COVID is at risk for developing these symptoms, which currently include:

  • Altered sense of taste and/or smell
  • Tiredness or fatigue that interferes with daily life
  • Nagging cough or shortness of breath
  • Heart racing, skipping beats, palpitations or chest pain
  • Lightheadedness, dizziness or balance problems
  • Vision and memory problems or headaches
  • Increased anxiety, depression, stress or trouble sleeping
  • Abdominal pain or constipation

Anyone who has had COVID-19 can develop long COVID, no matter how mild or severe their symptoms were. According to the CDC, women develop long COVID at a rate nearly twice that of men.

What Military Service Qualifies Someone for COVID-Related VA Benefits?

According to Public Law 116-315, the Veterans Health Care and Benefits Improvement Act of 2020, any service member who developed COVID-19 symptoms during the following time periods may qualify for VA benefits related to their COVID-19 infection:

  • Active duty of at least 48 hours between March 1, 2020, and Jan. 5, 2024.
  • Up to 14 days after at least 48 hours of active duty between March 1, 2020, and Jan. 5, 2024.
  • On, or up to 14 days after active duty for training, Title 10 or full-time National Guard orders between March 13, 2020, and Jan. 5, 2024.

The law says that anyone who was diagnosed with COVID-19 during any of the above periods of service is presumed to have contracted the illness as a result of their military service. That means that any long-term, COVID-related illnesses are presumed to be service-connected, without any burden of proof required of the veteran. See: Disability Compensation for Presumptive Conditions

What VA Benefits Are Available to Those Suffering from Long COVID?

Veterans suffering the symptoms of long COVID may be eligible for free health care for their conditions; they may also be eligible for a monthly tax-free disability payment from the VA.

The VA recommends that anyone suffering from any long COVID symptoms contact their medical team for assistance. Those who are not currently enrolled in VA health care should call 800-698-2411 for assistance.

Stay on Top of Your Veteran Benefits

Military benefits are always changing. Keep up with everything from pay to health care by subscribing to Military.com, and get access to up-to-date pay charts and more with all latest benefits delivered straight to your inbox.

Show Full Article

© Copyright 2022 Military.com. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

Mon, 26 Sep 2022 20:30:00 -0500 en text/html https://www.military.com/benefits/veteran-benefits/can-you-get-va-benefits-covid.html
Killexams : Professional FAQs: What are the health benefits of arugula? Microsoft Start Health Logo By Lena Cazes, Drew Hemler, Jasmine Lee, Cassia D Muller, Leticia Soares of Microsoft Start Health | Slide 1 of 5: Expert opinion from Lena CazesArugala is a green leafy vegetable that has a distinct, stronger taste than other green leafy vegetables. It is low in calories, high in fibre, low in carbohydrates, low in fat and tastes great. Arugala also contains calcium, potassium, vitamin K, vitamin C, vitamin A and folate. Arugala is versatile and can be used in salads, pasta dishes, wrap, stews and soups.→ See more questions and expert answers related to Arugula.→ Love Arugula? Get nutritional facts, tips from health experts, and moreThis is for information purpose only, and should not be considered as a substitute for medical expertise. These are opinions from an external panel of individual doctors, and not to be considered as opinion of Microsoft. Please seek professional help regarding any health conditions or concerns.

Arugala is a green leafy vegetable that has a distinct, stronger taste than other green leafy vegetables. It is low in calories, high in fibre, low in carbohydrates, low in fat and tastes great. Arugala also contains calcium, potassium, vitamin K, vitamin C, vitamin A and folate. Arugala is versatile and can be used in salads, pasta dishes, wrap, stews and soups.

See more questions and expert answers related to Arugula.

Love Arugula? Get nutritional facts, tips from health experts, and more

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Thu, 13 Oct 2022 03:43:00 -0500 en-US text/html https://www.msn.com/en-us/health/nutrition/professional-faqs-what-are-the-health-benefits-of-arugula/ss-AA12VAvC
Killexams : Why even permanent benefit expansions are never enough

Key Democratic leaders have proposed future unemployment benefit expansions that significantly exceed even accurate pandemic policies, which resulted in a record $900 billion in state and federal unemployment benefits paid in 2020 and 2021.

For example, instead of enacting more temporary federal benefit expansions like those in the pandemic, in April 2021 Senate Finance Committee Chairman Ron Wyden (D-OR) and Sen. Michael Bennet (D-CO) proposed permanent expansions in state and federal benefits. A Biden administration official, Michele Evermore of the U.S. Department of Labor, testified in July that such changes were needed before the next recession, so that the system would “respond automatically” and “Congress would not be required to enact discretionary UI legislation in downturns.” But history suggests caution for anyone who believes such permanent expansions would mark the end of future temporary benefit increases.

Wyden and Bennet’s April 2021 proposal includes permanent policies that would automatically extend and expand federal benefits whenever unemployment rates are elevated. If that sounds familiar, it’s because the US has a permanent program called Extended Benefits (EB) that already does that, in concert with eligible states. Under EB, the federal government provides states with sufficiently high unemployment rates half of the funds needed to pay up to 20 weeks of extended benefits to individuals who have exhausted up to 26 weeks of state unemployment checks.

When EB was created in 1970, lawmakers hailed it as the dawn of a new era. House Ways and Means Chairman Wilbur Mills (D-AR) extolled the “permanent program of extended benefits,” saying “now is the time we can do the best job of modernizing the system so that it will withstand future emergencies and crises.” Committee Ranking Member John Byrnes (R-WI) said he had been “advocating a permanent program of extended benefits for the last 8 to 10 years,” adding the new program meant “we are now funding extended benefits during a time when funding is most appropriate, rather than waiting to face the problem when we are confronted with a recession.”

Those statements suggest EB’s authors expected the new permanent program would keep Congress from creating further temporary federal benefits, as it had in the 1950s and 1960s. But they were quickly proven wrong. In December 1971, Congress enacted a new temporary program offering federal extended benefits in 1972–73, which was followed by similar programs in 1975–78, 1982–85, 1991–94, 2002–04, and 2008–13. A federal “pandemic” extended benefits program was created in March 2020 and operated until September 2021.

This chart reviews how much has been spent on extended benefits under those programs since 1970. It shows that $854 billion has been spent on the series of temporary federal programs, dwarfing the $59 billion spent on the permanent EB program since 1970 by a factor of 14 to one. So much for Wilbur Mills’ claim of “modernizing the system so that it will withstand future emergencies and crises.”

The chart actually understates the real gap, since EB was temporarily converted into a federal program from February 2009 through December 2013, and again from March 2020 through September 2021. During those times, EB was 100% federally funded, which significantly expanded state take up and thus federal EB spending. Of the $59 billion in state and federal EB spending displayed above since 1970, $41.1 billion was during the two periods since 2009 when EB was fully federally funded. If those temporarily 100% federal EB funds are added to the $854 billion in other temporary federal benefits paid since 1970, the split between all temporary federal benefits (a revised $895 billion) and EB spending while it was partially state funded as lawmakers originally intended ($17.6 billion) skyrockets to over 50 to one.

One key lesson from this experience is that lawmakers have an insatiable appetite to provide expanded federal unemployment benefits around recessions — especially when the costs are declared an emergency and simply added to the deficit. That suggests that, if enacted, proposed new permanent benefit expansions will not be the end, but instead will only create a new and forever higher baseline for temporary federal benefit expansions to come. As we have repeatedly seen since it legislated permanent reforms in 1970, Congress always wants to “do something” to take credit for helping the unemployed during recessions. For some, that political itch is unlikely to ever be fully scratched, no matter how big permanent benefits may become.

This article originally appeared in the AEIdeas blog and is reprinted with kind permission from the American Enterprise Institute.

Thu, 29 Sep 2022 05:41:00 -0500 en text/html https://www.washingtonexaminer.com/restoring-america/faith-freedom-self-reliance/why-even-permanent-benefit-expansions-are-never-enough
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