COMPANY MD Oct/Nov 2013

Vo lu m e 1 : : I s s u e 5 : : O c to b e r / N ov e m b e r 2 013

Boerne – Fair Oaks – Leon Springs – Comfort - Bergheim – Bulverde

The Hill Country’s Premier Medical Publication

DETERMINATION AT ITS FINEST

Dr Leigh Ann Grasso shares what it took for her to succeed

+ TIPS TO SURVIVE THE HOLIDAYS

BE PREPARED FOR EVERYTHING

STRESS MANAGEMENT

AND MORE

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WELCOME |

COVER FEATURE Administration / Advertising Publisher Benjamin D. Schooley ben@thecompanymag.com

Dear Reader,

One of my best friend’s father modeled this phrase, Live every day like it’s your last; it is one of my favorite phrases. I refer to it often when I feel overwhelmed or discouraged. I am reminded how blessed I am to be healthy, but this reminds me to live life to its fullest. With the recent tragedies that have hit our COMPANY/COMPANY MD contributors in the last few months, I’m reminded of the phase even more. Local lawyer, Shawn Lovorn, and Brent Wells, local physical therapist, were involved in separate tragic bike accidents. Both men survived and have inspirational stories of survival to tell. I bet they have a pretty good understanding of what it means to live every day like it’s your last.

Our cover story featuring Dr. Leigh Ann Grasso, demonstrates a good understanding of the phrase. On Dr. Grasso’s way to becoming a computer programmer in college, she survived a horrible car accident which opened her eyes to switching to a career in healthcare. Becoming a pharmacist was her way of giving back. She then wanted to take it a step further and open up her own compounding pharmacy. She was advised not to open her own business.

But that didn’t derail her. She now runs Annie’s Apothecary and plans to open up a second location soon. By surviving her car accident and pursuing her dream of owning her own business, she definitely has an understanding of living every day like it’s your last.

4 | COMPANY MD MAGAZINE

OPERATIONS MANAGER Kate Kent kate@smvtexas.com

16

Dr Leigh Ann Grasso shares what it took for her to succeed.

We all depend on physicians and members of the healthcare industry. They help us recover from illness and advise us on how to live a long healthy life. We hope that introducing you to new medical resources such as Any Baby Can and providing coping techniques on how to handle stress over the upcoming holidays, you can become the best person you can be. We want you to gain a better understanding of what resources are available in our community.

If you know of a practice or a good story that you think readers would find interesting, let us know. Like all of you in the medical community, we continually strive to deliver the best possible product.

Welcome to the October/November issue of COMPANY MD.

Kate Kent

Kate Kent Operations Manager

10 MENTAL HEALTH Tips to survive the holidays.

12 ALTERNATIVE MEDICINE Carpenter’s Touch

ADVERTISING SALES 210-507-5250 sales@thecompanymag.com

ART Creative Director Benjamin N. Weber ben.weber@smvtexas.com

thecompanymag.com

14 NEW PRACTICE Any Baby Can 22 HEALTHY EATING 1095 Plan 24 COMMUNITY Brent Wells Update 26 INSURANCE

Disability preparedness

28 HEALTHY LIVING Stress Management

COMPANY magazine is published by Schooley Media Ventures in Boerne, TX. COMPANY Magazine and Schooley Media Ventures are not responsible for any inaccuracies, erroneous information, or typographical errors contained in this publication submitted by advertisers. Opinions expressed do not necessarily reflect the opinions of COMPANY and/or Schooley Media Ventures.

Copyright 2013 Schooley Media Ventures, 409 E. San Antonio, Boerne, TX 78006

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MENTAL HEALTH |

3 SURVIVAL TIPS FOR THE HOLIDAYS

by Lucy K. Ziegler, MA, LPC, LLC

The holidays are coming! The holidays are coming! You have survived them before. Your memories are filled with recollections of past holiday seasons. Some are pleasant and some are not so pleasant. Theories about the nature of all organisms to seek pleasure and to avoid suffering in order to survive are especially relevant when applied to human beings. After all we are the most evolved organisms known to mankind. Remembering and thinking allows us to predict and plan so we can intervene and have influence on the outcomes and consequences of events including the resulting feelings we have about ourselves and others. We can then be safer (pleasant feeling) and avoid being uncomfortable (unpleasant suffering).

Some of these suggestions you may already know or have heard before. Being reminded of them validates that previous knowledge and can help give you the advantage of remembering to use them to prepare for a safer (physically and emotionally) holiday season … so you can survive the best you can.

Be kind to yourself: Eat right, get enough rest, exercise, drink lots of water and give yourself permission to 10 | COMPANY MD MAGAZINE

trust your instincts about how you want to spend your time and with whom. Don’t overindulge or over commit. You only have 24 hours a day be selective with your free time.

Set Boundaries For Your Emotional Safety: “Boundaries” is a descriptive noun borrowed from geography. Just like a country can have boundaries separating and protecting what belongs to it (land, water, factories, populations, etc.) from other countries, people can have boundaries to protect what belongs to them (self-esteem, a sense of well being, pride, hope, confidence, accomplishments). Boundaries keep us safe. Emotional Safety is different for everyone but basically means whether or not you feel like you can trust that the person or group to not behave in ways that are harmful. Being un-safe emotionally might include being inclined to be distrustful or looking for possible hidden meanings and potential threats in someone’s words and behaviors. Idealized representations of “Going Home For The Holidays” may not fit with the realities of being around someone who was unkind or abusive in the past or who chooses use put-downs or other communication techniques to disparage or be destructive. Boundaries can be set to protect your Emotional Safety by reducing exposure potential harm. Limiting time together for your emotional safety may mean not staying around after the big meal to watch the football game on TV or only staying for an overnight visit and going home the next day. A limit on physical proximity could be set by booking a hotel room down the street or maybe in a nearby city. Or just calling to say “Happy Holidays”.

Use the 20 Minute Rule: This “rule” is familiar with professionals who work with people dealing with loss and grief, but is relevant for anyone. Should you find yourself without the energy or inclination to attend a Holiday function, but feel duty – bound to attend use the 20 Minute Rule: Go and make an appearance, stay for 20 minutes and then excuse yourself.

Hope you have a happy safe holiday season!

“Doing whatever it takes, when it matters most”

What is hospice?

Hospice is not a place, but rather a philosophy of care focused on providing comfort to individuals with life limiting illness. Alamo Hospice focuses on physical, mental, social, and spiritual well-being for patients, their families, and their support network. We provide care to patients in their own homes, assisted living facilities, and other community-based care settings.

• Full funeral service arrangements as well as cremations and memorial services.

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• Local Medical Director Ben Stahl MD  National reach • Recognized “model program” for quality care, Boerne “Best of the Best” • National recognized accredited prepared program.  Team approach to care • Access to 24 hr. care by the hospice team to include; Physician, Registered Nurses, Social Workers, Spiritual care coordinators, Bereavement counselors, Dieticians, Pharmacists, Hospice aides, Various therapists (massage, pet, PT, OT, ST), and Volunteers.

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118 West Bandera Rd , Boerne Texas 78006

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Chiropractic Assistant

thecompanymag.com | 11

ALTERNATIVE MEDICINE |

THE CARPENTER’S TOUCH

CHIROPRACTIC WELLNESS CENTER

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A common misconception is that the practice of chiropractics is a fairly new field of medicine, when in fact its roots can be traced back to the beginning of recorded time.

Writings discovered from both ancient China and Greece mention spinal manipulation and the maneuvering of the lower extremities to ease low back pain. Hippocrates, the Greek physician, wrote, “Get knowledge of the spine, for this is the requisite for many diseases”. In the United States, chiropractics began gaining momentum as early as the late nineteenth century. In 1897, Daniel David Palmer opened the Palmer School of Chiropractic, which continues to this day to be one of the most prominent chiropractic colleges in the nation.

Doctors of Chiropractic have become pioneers in the field of non-invasive care, promoting a science-based approach to a variety of ailments in addition to comprehensive care and wellness. These doctors have a deep respect for the human body’s ability to heal itself without the use of medications and surgeries.

Carrying on this proud tradition is Dr. Chad Carpenter, founder of the Carpenter’s Touch Chiropractic Wellness Center here in Boerne. Dr. Carpenter has over twelve years of experience in the field of Chiropractics. He graduated from the Parker College of Chiropractic in Dallas, Texas in 1999. In addition to owning and operating the Wellness Center in Boerne, he is also co-owner of Comfort Chiropractic.

He is an active member of the Texas Chiropractic Association, where he holds the position of the Director of Legislative affairs for Texas. He is an award winning Maximized Living Chiropractor, which is a philosophy of promoting a lifestyle free of medications and expensive medical treatments. Dr. Carpenter is also a dedicated family man, he and his wife of thirteen years, Kerri, live in Sisterdale where they are raising their three active sons, Rhett, Chance and Gunner.

Working alongside Dr. Carpenter at the Wellness Center is Dr. Jesus Casteneda. Dr. Casteneda brings to the practice twenty-four years of experience as a doctor of Chiropractic. He began his career serving as an Air Force medic but became fascinated by the art, science and philosophy of Chiropractic while attending pre-med courses at Stonebrook University. His passion is helping his patients improve their health with the latest technologies available today.

The Carpenter’s Touch is alternative medicine at its finest.

The focus of the Wellness Center is on the goal of teaching patients the core principles that will assist them in their journey to optimal health. The core principles include creating a healthy mind, improving the functionality of the nervous system, achieving optimal nutrition, building personalized exercise regiment and minimizing the intake of toxins.

The staff at the Carpenter’s Touch is thrilled about the opening of their new location on Business 87 between the Sears and Billy’s Western Wear. The new office that is

opening soon will continue the Carpenter’s Touch tradition to offer the state-of the-art technology that will greatly benefit their patients. The Wellness Center is also home to a full service massage clinic offering a range of services from professional and experienced massage therapists.

In addition to their commitment of helping their patients the doctors and staff at the Carpenter’s Touch are proud to be an active part of the surrounding community. Last November they held a successful food drive to benefit Hill Country Family Services. They have also collected toys and school supplies for local families in need.

The focus of the staff at the Carpenter’s Touch is the overall well-being of their patients and optimizing their health. Each patient is treated as an individual with customized plans to meet their particular needs for maximum health and wellness. Dr. Carpenter’s personal mission is to help people change the way they view their health. A fitting quote that is found on the Wellness Center’s website says, “Blessed are the flexible for they may never be bent out of shape.”

thecompanymag.com | 13

NEW PRACTICE |

ANY BABY

CAN Tell us about Any Baby Can: Any Baby Can is a non-profit agency that serves children from birth to twelve years of age with any chronic illness, developmental disability or delay or any special need. All of our services are free of charge regardless of income.

What’s different about the Boerne location?

The Boerne location is a satellite office of Any Baby Can where families can participate in our Reaching Families Facing Autism training classes on Thursday evenings. Any Baby Can’s Reaching Families Facing Autism program offers families of children with autism training on researchbased strategies to support positive behaviors and communication skills. Families acquire the knowledge they need to understand the challenges of autism and learn how to support their child at home and in the community. Parents learn to understand the purpose behind their child’s behaviors and how to replace challenging behaviors with positive behaviors. Parents are able to connect with other families in similar situations.

These classes are held at the Kronkosky Place in Boerne.

The next training series scheduled for Boerne will begin October 30 from 6:30 to 8:00. People can call 210-547-3013 if they are interested in signing up for the training. All of the programs and services that Any Baby Can offers are available to families in Boerne and Kendall County.

We chose to open an office in Boerne to provide our services to families in Boerne and Kendall County more conveniently. We have served the area for many years. Expanding our case management services into Boerne is a way to reach families and offering them the convenience of receiving services closer to their home.

14 | COMPANY MD MAGAZINE

How did your business get started? Describe your background.

We were founded by Dr. Marion Sokol in 1982. Dr. Sokol was a special education teacher for many years and saw first- hand the challenges that families with special needs children experienced. She set up a temporary trailer in front of Santa Rosa Children’s Hospital and starting offering information and referrals to families and we grew from there.

I have been the Development Director at Any Baby Can for the past 9 years. I have a B.S in Communications from The University of Texas and a M.S. in Communications from SMU. Tell us about Taste of the Hill Country The Taste of the Hill Country is a tasting event where local restaurants serve their signature dish to attendees. It is

a fun night of music, raffle, food and “spirits” hosted by the Kronkosky Place all benefitting Any Baby Can. What is the best thing about your job?

Knowing that the work that we are doing and the funds raised are making a difference in hundreds of families lives.

No one plans on having a special needs child and we offer families hope and help that they cannot get anywhere else.

Future plans for Any Baby Can? Our plans for the future include continuing to serve the hundreds of families that need our services and expanding our services into our catchment area that consists of Bexar and the surrounding 19 counties.

As a Master in the Academy of General Dentistry, Dr. Chet Hawkins posses the highest level of education recognized for a dentist. As a graduate of the Pankey Institute, he’s had the finest post-doctoral training in the world. “I want to establish a master plan and then develop a blueprint for my patients’ long-term care,” he explains. “We want to solve the causes of the problems before we do anything else to their teeth. Then we can rebuild or repair with confidence that the fix will last as long as possible. We also educate our patients about other health issues related to oral disease. There is a connection between periodontal disease and heart disease that people need to know about.” Dr. Hawkins and his wife, Deby, have been residents of Boerne for 7 years and are excited to be joining the practice in Boerne.

I just went to see Dr. Hawkins yesterday for an exam and cleaning. I was promptly seen, the procedures were done painlessly and in a timely manner with the latest equipment. My necessary dental work was explained fully to me. Everyone in the office greeted me warmly and made me feel special.

- Elaine Kieschnick The moment you enter the office you are greeted by Kim’s warm smile and friendly personality. The hygienists are professional and make you feel very at ease. Dr. Hawkins is very calm and soft spoken with a gentle touch. The office runs very smoothly and on time for appointments.

- Charlotte Sabatier Pleasant, friendly staff. No wait. Dr. Hawkins listens to your issues and then provides clear solutions. Great dentist. Also, great hygienist.

Overall, great experience.

- Cindy Hawkins

30 YEARS EXPERIENCE Boerne’s ONLY Master Dentist The Dental Wellness Center • 806 N. Main St. • Boerne 830-249-7870 or 210-696-3231

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DETERMINATION AT ITS FINEST

by Mary Lee Gowland :: Photography by Ben Weber

“I like being an investigator,” says Leigh Ann Grasso, owner of Annie’s Apothecary. At one time she even thought about becoming a forensic chemist.

But a car crash when she was twenty-one set her on the path that has led her to become a respected and appreciated Boerne professional.

The terrible accident spared her nine-month-old daughter, Kayla, but put a temporary hold on Leigh Ann McGonagill’s college education at St. Angelo State University, where she was studying computer programming. She grew to appreciate the medical professionals who helped her through her long recovery. “I realized I didn’t want to be stuck in a cubicle, I wanted to interact with people. I started thinking about going into the medical profession. But as what? A physician’s assistant? For a long time I had a limp, and my hand took even longer go heal. I asked myself, what could I do using my brain?”

She applied for work at three pharmacies and was hired

by Walmart. In those days certification was not required to be a pharmacy tech. She enjoyed the work so much she told her boss that’s she’d like to own her own pharmacy someday. He admonished her, “You don’t want to own your own business!”

But she was determined. She found compounding especially fascinating and in 1991 enrolled in UT Austin’s Pharmacy School. By now her daughter was two-years-old.

Leigh Ann is grateful to her daughter ’s grandparents for their childcare and support throughout her postgraduate years.

Leigh Ann fell in love with fellow student Andy Grasso.

They married and moved to Houston where they both finished their rotations, and were hired by HEB. “It’s a great company and I got great experience,” she says. “But I realized when people asked me for advice on which vitamin to take, I’d just rattle off a brand name knowing that might not really be best.”

She and Andy moved to San Antonio to be near his family. He continued at HEB and Leigh Ann went to work for a hospice pharmacy. She did not have direct contact with patients, but was able to customize care for each person based on his or her specific needs. In the later stages of life, pain management is a big concern. Her idea to compound morphine with chocolate and raspberry was a big success and offered sweet relief to many patients.

In 2007 she took maternity leave to have her son, Peyton, and decided she would use her time off to fulfill her dream of owning her own business. Her research showed that Boerne did not have a compounding pharmacy. Wanting to support local banks, she applied for a business loan and got financing from the second bank she approached. When Peyton was six-months-old, the family moved to Fair Oaks and Annie’s Apothecary was born.

thecompanymag.com | 17

Though her parents divorced when she was young, both of them encouraged and supported her. Her mother helped her set up her office. “They don’t teach you business in pharmacy school!” she says. Recently she hired a business coach who helped her take the steps necessary to expand.

“Annie’s Two” will soon open in Kerrville.

“I love educating people,” she says, “to get healthy the real way, by treating the underlying cause, not just treating

“I had one patient, let’s call her Susie. She came to me three years ago. She was so sad! Her whole being was sad.

We did the saliva test and had a consultation. I worked with her doctor to get her back in balance and each time I saw her she was happier. She became so bubbly. I was especially happy about her transformation because she is a special needs teacher, so not only did she benefit, but her students did, as well.”

Her interest in sports medicine was inspired by her daughter Kayla, who is an athletic trainer at Champion High School. In 2010 Leigh Ann’s daughter Heidi was born.

Peyton is now in first grade and loves T-ball. Annie’s Apothecary sponsors his team.

Health and well being infuse every aspect of Leigh Ann’s life. She says people often drop out of exercise programs because they think they have to do major workouts. “But

symptoms.” A person whose hormones, vitamins, or other essential nutrients are out of balance will experience illness and pain.

The line of vitamins she carries are only sold to healthcare providers and are held to a higher standard than commercial brands because, she says “they use their money for testing, not advertising.” A simple saliva test, which is sent to Washington to be analyzed, determines deficiencies. Then Leigh Ann designs customized treatments.

“I like saving marriages, too,” she adds. Both men and women experience changes in hormones as they age, and many people who have allergies don’t realize they can be cured.

Boerne has turned out to be the perfect town for Leigh Ann. “I like being a small-town celebrity resource” she says.

She runs into patients at the grocery store or bank. One woman told her, “I’m the only one on my tennis team who doesn’t come to see you!”

five or ten minutes, here and there,” she says “can be just as beneficial.” She keeps small exercise equipment in her office – tension bands, yoga blocks, etc. – so that if there’s a lull she can do mini-workouts. She and her staff may do push-ups or sit-ups which oxygenates the brain and boosts energy.

“My biggest battle is the media,” she says, because of how much misinformation they propagate, promoting unhealthy foods and drugs that only treat symptoms, not underlying

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causes. She supports Patients and Professionals for Customized Care, which is bringing together patients, doctors, pharmacists, veterinarians (yes, pets can benefit from compounding pharmaceuticals, too!) and healthcare advocates, to keep compounding pharmacies under the jurisdiction of state pharmacy boards. Certain members of Congress want compounding pharmacies to be regulated by the FDA. And the biggest challenge to owning your own business? “Time off!” she says. “There was one year that I was the only person here.” But now she has a well-trained, dedicated staff customizing treatments for her clientele in her bright, spotless pharmacy.

Annie’s Apothecary is also a rotation site – six-week “shadow” or apprenticeship -- for University of the Incarnate Word, and the Health and Science Technology program at Boerne High School.

Her goals? “I want to be out in the community more,” she says, “to consult and to offer classes.” She likes that compounding pharmacists are not competitive, but are very supportive of each other. This includes her husband and partner, Andy, who is a pharmacist at Lackland AFB. “He’s a great help filling in if we’re short-handed.”

She and her Boerne patients can be glad her first boss was dead wrong about Leigh Ann being a business owner. “This is the least stressful job I’ve ever had,” she says with a smile.

20 | COMPANY MD MAGAZINE

Gentle, Caring, Family Practice, Courteous Professional Staff • State of the Art Procedures & Techniques

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Kendall Woods Dental 830-229-5581

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Now accepting appointments for Kevin Beitchman, DDS, MS - Orthodontist

HEALTHY EATING |

22 | COMPANY MD MAGAZINE

MY ANNUAL 1095 A NEW WAY – AND WHY -TO EAT

by Elisa McClure ND, CNC, CNHP “Dr. E” It’s the holiday season and I am on my Annual 1095 diet, looking forward to my favorite holiday indulgences.

As a matter of fact, I’m planning those indulgences now.

Halloween candy? Definitely chocolate. Thanksgiving?

The turkey, fixin’s and pumpkin pie with the real whipped cream. On Christmas Eve I’ll enjoy the Feast of the Seven Fishes (you have to be Italian to get this), and on Christmas Day, eggnog, prime rib and Christmas trifle for dessert.

New Year’s Eve? Hmmmm, too early yet; not sure what’s on the menu but it will be a spectacular ringing in of 2014 -- the bubbly is already chilled!

I know, you’re asking how I can say holidays, indulgence and diet in the same sentence. Because, with the Annual 1095 “not a diet” meal plan, you can have your holidays and eat on them too.

I’m not talking about surviving the holiday season with the usual 12 days of do’s, don’ts, no’s and never’s followed by “How to Lose the Holiday 10” in January. The Annual 1095 is about looking forward to the celebrations and indulgences – without guilt, without depriving yourself and without New Year’s resolutions.

“How?” you say?

The “how” is everywhere -- it’s a billion dollar industry.

“Hows” are called diets. How many “hows” have you tried? Most of us have been there: Off and on and off again diets, which work for a time and then don’t work or you get bored or it gets too hard to maintain.

The best “how” is a lifestyle, a way of eating that allows you to live your life and reach your health and wellness goals.

The bigger question is “why”? Once you discover your “why” and deeply decide to commit, your motivation can’t be shaken. Nothing sustainable happens without motivation. Motivational speakers and success gurus agree that any success will depend on the thousands of small, compounding decisions you make on a daily basis in a consistent way toward your goal.

So true, especially when it comes to food, something we can’t live without but which causes stress for some of us, especially around the holidays. Let’s take a look at this Annual 1095 Plan in a holiday nutshell.

The 1095 Plan is for everyone. It’s simple, designed for you, by you, to meet your goals and fulfill your “why.”

Here’s how it works. Add up your 3 meals a day for 365 days – you’ll get to 1095. Then follow Dr. E’s 90/10 Rule. If 90 percent of my Annual 1095 is what works for me—and my health proves that it does—then 10 percent of my 1095 are my indulgences.

That 10 percent adds up to 109 meals or 36 days of my 365, which more than covers the holiday season, birthdays, anniversaries and other special events.

But wait, there’s more! Even for those 109 indulgent meals, I know there are certain foods I won’t eat, no matter what. For you, it might be a food allergy or intolerance, a personal preference or an aversion. Set your limits, and the 109 indulgences will fall into place and satisfy your “why” as well.

Your plan might be 90/10, 10/90, 50/50 or any ratio in between. Take it one bite at a time, one decision at a time, over the course of 1095 meals. The plan is designed for you,

by you, to meet the goals of your “why.”

My 1095 choices have been polished over the years and continue to change. My personal 90/10 is now 95/5. My state of health is the proof.

My “why” for the holidays? Why, let me tell you. The Annual 1095 gives me peace and confidence that all will be well -- no weight gain, no problems, no holiday sickness, no guilt or remorse, just another happy, healthy holiday season.

My New Year’s resolution list is set already, with more want-to’s and less have-to’s, need-to’s and should’s. My yearly health check up is scheduled in January too, because I have no fear of what will be found.

Holidays, birthdays, anniversaries, weddings, spontaneous celebrations or ship launchings, it doesn’t matter what comes my way. All choices are pre-destined on my Annual 1095. Maybe my wardrobe will be different, even though everything still fits! Another indulgence could be shopping because I want to, not because I outgrew my clothes.

So, dear reader, today is the day to start your Annual 1095. Add up those indulgent meals and spread them as you wish among the holidays, weddings, the vacation cruise.

Take the diet burden away and enjoy, year after year, on your Annual 1095. You will be working toward optimal health and wellness and fulfilling your “why.” So when ailments call, as they say, shut the front door!

Happy Indulgent Holidays! Enjoy your 1095’s.

Dr. Elisa McClure is a Doctor of Naturopathy, Certified Nutritional Consultant, Certified Natural Health Professional, Certified Aromatherapist, Author, Blogger, Research Chef, Cooking Instructor, Radio Show Host, Speaker, Health & Wellness Educator, Organic Gardener, Backyard Farmer, and Hotelier. For more information visit her website www.healthjourneywellness.com

COMMUNITY |

BRENT WELLS UPDATE

By Brent Wells

Well, I am finally home. I am in the sixth month of recovery from what I have learned was a terrible accident on my bicycle. Of course I know, given my faith, that there are truly no accidents, but that this was all a part of God’s plan. My memory occasionally fails me, but my wife and my parents have filled me in well. My wife states that everything started with a phone call she received one night.

Completely unaware, she had been in the middle of getting the children’s dinner ready. She soon learned that the helicopter pilot was on the line and was asking her if she knew me or was related to me. When she affirmed that she was my wife, he delivered the horrible news. The fact was that I had been on my bicycle riding along an access road and was hit by an oncoming car. The driver simply had not seen me and made a last minute u-turn attempt across my lane. Obviously, I had no time to dodge the car or take evasive maneuvers. Apparently, I t-boned the car, destroying my bike, and causing a severe brain injury.

Of course I have no memory of the incident, but my wife states that she asked the pilot “Is he okay?” He replied “he’s breathing ma’am.” At that point my wife realized how deadly serious the situation was. Thankfully I was helicoptered from the scene of the accident to University Hospital.

My wife let my parents know what had happened. The only thing I really remember is being transferred from University Hospital to a rehabilitation hospital. This took a couple of months. It was about this time that I learned I had broken both of my radius bones in my forearms. I had fractured my mandible in several places and somehow fractured my left scapula and one of my vertebra. Thank God that He protected me from being aware of the extreme pain I must have been in. That began what I remember as a long stay in the rehabilitation hospital.

In actuality, it wasn’t such a long stay, but my “type A” personality somehow continued to drive me. I took part in their occupational therapy, physical therapy, and speech therapy, but continued to desperately want out of that place so badly. I am so blessed that either my parents or my wife visited me every day. I found that I began to live for that time of the day. After about one month’s time, my wife and I 24 | COMPANY MD MAGAZINE

decided that I needed to come home. Thankfully, my parents were behind my wife’s decision, and I moved home.

Upon finally arriving home, I was greeted by familiar scenes and actually seeing my children and my wife in their usual settings. Now that I have been home for almost two and a half months, I have come to realize several things.

I had a lot going on before the accident. I was a full-time physical therapist who owned his own clinic. Now, my wife and my wonderful employees were doing the majority of the work.

That has been a bit of a challenge. I struggle with myself daily realizing that although I want more than anything to return to full-time work and a full schedule I am not ready at this point.

Of course, I have quit bicycling so much, but I have actually been able to ride my mountain bike along our own road with my wife and kids, and have returned to riding (mountain bike only) with a few friends.

Right now, my main struggle is wanting to get things back “the way they used to be.” By that I simply mean, I want to return to work, bring home a paycheck, and be the man of the house. Of course I am extremely thankful to God. Firstly, for saving my life; but also for the opportunity to start life with a new set of priorities. I must learn to treasure Him daily, attend, and get involved in church. I must thank the community of Boerne. The residents of this town have been unbelievably supportive. The Geneva School of Boerne has been incredibly supportive of my wife and children in my absence. I must also thank the business owners and businesses of Boerne who gathered frequently and never let my family feel alone. Finally, I must also thank the physicians who continue to refer patients to our clinic. Some may not even know I am back at the clinic. Thank you again to everyone.

INSURANCE |

PREPARED. A friend of mine in his mid 30’s recently purchased a disability plan to replace his income in the event of a catastrophic illness or injury. Married with three children and the family’s primary breadwinner, he is concerned about his ability to maintain their standard of living in the event of such a misfortune.

He wondered how he would replace his $80,000/year income if such an event were to occur. As a self employed person, his business requires a fair amount of physical activity. While his health insurance would cover medical costs, he does not have adequate reserves and savings to cover reduced or lost income.

Many self employed business owners or their employees feel comforted that health insurance will suffice in the event of serious illness. However, this may be a false comfort without a plan to cover income losses should they be unable to return to work in a timely manner.

A recent study by Met Life Insurance Company revealed that 60% of employees interviewed were very concerned about having enough money to pay bills during a period of sudden income loss. This level of worry was significantly higher than their concerns about having appropriate health insurance, job security, having the resources and time to care for aging parents, or paying off the mortgage.

I’m surprised that the percentage wasn’t higher. Financial guru Dave Ramsey suggests that each worker or family should have 6 months of income savings at all times. How many American families can say they have this cushion?

A loss of income makes it very difficult to buy groceries, pay the monthly mortgage, car payment, or other everyday expenses that add up in a hurry. In fact, a loss of job income is the second leading cause of bankruptcy in America today.

Disability plans give policy holders the money they need to

26 | COMPANY MD MAGAZINE

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By Rich Sena cover loss of income and protect a family’s financial assets and savings. While having life insurance is a good thing, the likelihood of someone between the ages of 30 and 60 having a disability at some point in their life is greater than dying at this age.

Strong benefit plans, including disability insurance, can positively impact businesses.

Many employers see more opportunity to achieve business objectives through offering good benefits. Close to 90% of employers felt a solid benefits program helps retain employees, 81% feel it helps increase employee productivity, and 68% agree it helps attract employees.

However, Met Life’s survey did indicate that many employers underestimate the power of non-medical coverage, retirement, and voluntary benefits to drive employee loyalty.

Voluntary benefits such as disability insurance are popular with employees, who have expressed a strong willingness to contribute or pay for the entire premium. While 51% of employees felt voluntary benefits would increase loyalty to their company, only 32% of employers felt likewise. This contrasts with salary or health insurance, where almost identical percentages of employees and employers agreed with their impact on loyalty.

Disability insurance is an essential part of the income safety net. Disability benefits cap out at 65% of current income, and are tax free. Companies can choose from a menu of plan options for their employees. Self employed individuals can customize their disability plan to meet their needs and budget.

There are a variety of factors that impact disability rates and features. For example, if a self employed person has a decent amount of savings, they may choose to lengthen the waiting period before benefits take effect. This reduces the premium. Plan designs may include options for the following: Combination benefits covering accidents, sickness, or both.

Off-the-job coverage or 24 hour coverage Benefit periods for which monthly income benefits are payable (after the elimination period ends) can range from 90 days to 6 months to two years or all the way up to age 65.

Portability, depending on whether the plans are offered individually or as a group.

Optional riders cover categories such as emergency accidents, hospital indemnity, or critical illnesses such as cancer heart attack, or stroke.

Disability and other voluntary benefits give employers an economical way to diversify their benefit package, help attract top talent, keep existing employees, and assist individuals survive income loss while keeping their families financially protected.

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HEALTHY LIVING |

How to Manage Being Stressed and Depressed During the Holidays

by Leigh Ann Grasso, Pharm.D., RPh, Annie’s Apothecary – Specialty Pharmacy

28 | COMPANY MD MAGAZINE

Stress and depression can ruin your holidays and hurt your health. Being realistic, planning ahead, and seeking support can help ward off stress and depression. Maintaining nutritional support is also a must during this time.

Depression can occur during the winter which is typically termed SADD or SeasonalAffective Depressive Disorder. Symptoms usually start in the fall and continue during the winter. These symptoms may include hopelessness, increased appetite with subsequent weight gain, increased sleep, less energy and ability to concentrate, social withdrawal, unhappiness or irritability. Although most physicians will prescribe an anti-depressant for just a few months, I would rather recommend photo light therapy or vitamin D3 supplementation.

Light therapy involves using a special lamp that uses light to mimic the sun to increase your body’s natural production of vitamin D. Light therapy is typically done in the morning for about 30 minutes every day. You can start using light therapy in the fall or early winter before SADD symptoms occur. You can also have your vitamin D levels tested at your physician’s office. The goal level of 25 (OH) vitamin D is 50-60 ng/ml. It may take doses

of 2000-10,000 IU/day to get an optimal level. Your doctor

ing, and Cordyceps extract support the body’s adaptogenic

may prescribe a weekly dose of 50,000 IU or you can take a

response to stress. Elevated levels of our stress hormone,

pharmaceutical grade vitamin D3 daily to keep your blood

cortisol, can also contribute to extra pounds; therefore, make

level more stable. Getting repeat lab tests will determine

sure you allow yourself relaxation time to bring those stress

how much vitamin D3 supplementation is necessary for

levels down.

you. Vitamin D will help keep the winter blues at bay, but

The holiday season can be a very enjoyable and memora-

it will also boost your immune system and help you cope

ble time to spend with friends and family if you don’t forget

with stress.

to take care of your body’s needs too. Keep up your healthy

Stress can be managed during the holidays by creating

habits all year long. Keep your nutrient levels up and you

realistic goals for parties, gifts, decorations and budgets.

are sure to have fun this holiday season!

Procrastination will inevitably lead to higher stress levels, so plan ahead. Don’t forgo the healthy habits you have spent all year establishing. Overindulgence will only add to your guilt and stress. By eating a healthy snack before parties and staying well-hydrated, you can cut down on the amount of sweets and drinks you consume. Don’t forget to continue getting plenty of sleep and exercise too. When our bodies are stressed, vitamin and hormone deficiencies become more apparent. Our bodies’ resources are used up much quicker.

Maintaining hormonal balance, such as thyroid, estrogen, progesterone, testosterone and cortisol, will keep you evenkeeled. The B vitamins are essential during stressful periods. A pharmaceutical grade B-complex along with a B12 (preferably by injection or under the tongue) may keep your energy levels up so you can tackle the long holiday to-do lists. Adaptogenic herbs can be useful to calm anxiety that is often associated with stress. Rhodiola rosea, Panax gens-

Dr Leigh Ann Grasso, University of Texas alumnus, is the compounding pharmacist and owner of Annie’s Apothecary in Boerne.

Her passion is educating people to improve their health by replacing hormonal and nutrient deficiencies. She lives in Fair Oaks Ranch with her husband and three children.

thecompanymag.com | 29

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The Focus embodies Dr. Miskell’s vision to provide health and anti-aging services to men and women looking to take control of their lives.

The Focus also specializes in revolutionary new methodologies of body contouring, weight loss and skin rejuvenation. Dr. Miskell and her exceptional staff will help you to improve the undesired symptoms of aging. No longer will you have to suffer unwanted body fat, wrinkles, brain fog, bone loss or other undesired symptoms of aging or illness. A younger-feeling and looking version of you is closer than ever. ** In network for most insurance companies **

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