1.03 Lifestyle Money Changes Health Laws

Understand Lifestyle Components Personal Leisure Community responsibilities Learner Family Parenting/caretaker Home/vehicle maintenance Transportation Financial planning Preparation/planning of meals, clothing and healthcare Work Work hours/location Education/Life long learner Travel Taking work home Working at home

Where does all the money go? Community Clubs/membership dues Neighborhood Taxes Family Childcare Housing Healthcare/insurance Food Clothing Recreation Maintenance (house and vehicle) Utilities Savings Work Education cost Transportation Union dues

4 Types of Changes Planned (predictable) Unplanned (unpredictable) Voluntary Involuntary

Life Changes with Family Marriage Birth or adoption Family members in need of financial assistance Aging parents in need of care Death of spouse/family member Receipt of inheritance Separation or divorce Boomerang child

Life Changes with Occupation Starting a new career Changing jobs Starting your own business Becoming unemployed/laid off Being promoted/demoted Life long learning transfer

Life Changes with Health Becoming disabled Growing older Chronic/terminal illness Fitness/diet plan Smoking/alcohol use

Why do people work? Earn money/income Interact with other who have similar interests Achieve self fulfillment Establish prestige/lifestyle Contribute physical and mental health Establish an average self expression

Laws/Agencies Family Medical Leave Act (FMLA) 16 weeks, protects males/females Equal Employment Opportunity Commission (EEOC) Enforces laws to prevent unfair treatment Medicare Over age 65, health insurance Medicaid Health insurance, in a financial need Worker’s Compensation Guarantees financial assistance if hurt at work Unemployment Insurance State/federal program, pays benefits to you if laid off

Laws/Agencies Rehabilitation Act of 1973 1st legislation to prohibit discrimination against people with disabilities Consolidated Omnibus Budget Reconciliation Act (COBRA) Gives employees have ability to continue health insurance coverage after leaving employment Age Discrimination Act of 1992 prohibit discrimination against aged 40-70 Americans with Disabilities Act Gives civil rights protection to those provided on the basis of race, religion, sex, age (EEOC administers these laws) Occupational Safety and Health Act (OSHA) Ensures safe working conditions for labor force Vocational Rehabilitation Services Free to those that meet the eligibility guidelines Fair Labor Standards Act Set minimum wages, requires over time pay, restricts employment of minors