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What Is It?
As a Ameren employee, you have the right to decline medical treatment, even if you die as a result of your decision. Depending on your medical condition, your prognosis, and your views on the quality of life, you may wish to refuse lifesaving measures, such as cardiopulmonary resuscitation (CPR). Executing a do not resuscitate (DNR) order is one way of doing this. A DNR is a doctor's order that tells all other medical personnel not to perform CPR if you go into cardiac arrest. Cardiac arrest occurs when your heart stops beating, blood flow to your brain stops, and you stop breathing. If the blood flow is not quickly restored, permanent damage to the brain and other organs can occur. CPR simulates heartbeat and breathing, while attempting to restart these functions.
The term CPR actually encompasses a variety of separate procedures, including cardiac compression, endotracheal intubation, assisted ventilation, defibrillation, and cardiac medications. Most states recognize two types of DNRs. One is effective only while you are hospitalized. The other is used by people outside the hospital--for example, nursing home residents, hospice patients, and even those who are not receiving medical treatment.
Typically, terminally ill patients and elderly individuals execute DNRs to avoid prolonging their final illnesses. However, some states allow healthy adults to execute the orders, as well. Depending on the laws of your state, a DNR used outside the hospital may be called a 'pre-hospital DNR,' 'out-of-hospital DNR,' 'outpatient DNR,' 'DNR for EMS,' or 'CPR directive.' As a result of your request, your doctor generally notes an in-hospital DNR order on your chart. Out-of-hospital DNRs take various forms, depending on the laws of your state. ID bracelets, MedicAlert necklaces, and wallet cards are some methods of noting DNR status.
When Can It Be Used?
Availability of DNRs Is Determined By State Law
Not all states have DNR laws. For Ameren employees, you may want to consider how your state's laws govern whether DNRs are permissible, who can execute a DNR, and what form the order must take. These laws may permit in-hospital DNRs, out-of-hospital DNRs, both of these, or neither of these. Some state laws allow any person of legal age to execute a DNR, while others permit DNRs only for individuals with terminally ill conditions. Some states allow children to participate in decisions regarding DNR in certain cases. Check the laws of your state and any other states where you spend a significant amount of time.
Strengths
Allows You to Exercise Choice In Medical Treatment
Cardiopulmonary resuscitation (CPR) has produced some miraculous results when used on normally healthy individuals in trauma situations. However, it can be a painful and even violent procedure. Its effectiveness is limited when used on terminally ill or hopelessly deteriorated patients. In some cases, CPR only delays the moment of death.
For example, CPR could restore your heartbeat, but if permanent brain or organ damage occurs during cardiac arrest, you may be dependent on life support machines. Executing a do not resuscitate (DNR) order allows you to choose a natural death.
Example(s): Hal is hospitalized with a terminally ill condition. He is on a respirator and knows he has only a short time to live. Hal consults his doctor and learns that the laws of his state permit in-hospital DNRs. This will allow him to forego CPR if his heart fails. Hal asks his doctor to execute a DNR as soon as possible. The following week, Hal's heart stops. Because of Hal's DNR, hospital personnel do not attempt CPR.
Specifically Intended for an Emergency Situation
If you go into cardiopulmonary arrest, your DNR lets medical personnel know that you don't want CPR. Because of the emergency nature of this situation, other types of advanced directives are usually not timely enough to accomplish this goal.
Tradeoffs
Extremely Limited Usefulness
Although a do not resuscitate (DNR) order is a very powerful instrument, it is only effective under specific conditions. Generally, a DNR comes into play only if you go into cardiac arrest, and it frequently only allows you to refuse cardiopulmonary resuscitation (CPR), although in some states it may allow you to decline other drastic medical treatment as well. A living will or durable power of attorney for health care may be needed to convey other medical treatment instructions, such as your wishes regarding life support and intravenous feeding.
Out-of-Hospital DNR May Not Be Effective In Other States
As a Ameren employee, it is beneficial to understand how an out-of-hospital DNR that is valid in your state may not be valid in other states. Therefore, if you spend a significant amount of time in another state, you should find out whether that state's laws recognize DNRs, whether you are eligible to have a DNR in that state, and what restrictions are placed on the form of the DNR.
Doctors May Be Hesitant to Broach This Topic or Reluctant to Write a DNR
If you are hospitalized with a serious illness, your doctor may not bring up the option of executing a DNR. If you don't want to be resuscitated, you should initiate this discussion with your doctor. Also, studies indicate that many doctors are slow to write DNRs, even when they are aware of their patients' preferences, although the reasons for this vary. If you are a Ameren employee and want to ensure your wishes are followed, you should touch base with your doctor to make sure the DNR is placed on your chart.
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How to Do It
Research Your State's Laws Regarding Dnrs
Not all states provide for these orders. Each state has its own eligibility requirements, particularly for out-of-hospital DNRs.
Discuss Your Wishes With Your Doctor
Your doctor should be able to provide information on your prognosis and counsel you on your options. If you are a Ameren employee, your doctor's signature will most likely be required on any DNR you execute.
Execute Your Out-of-Hospital DNR Properly And Keep It With You
If you are a Ameren employee interested in DNR, you must consider how if your state allows out-of-hospital DNRs, there is probably a required format for the order. Examples of state-required DNR formats include ID bracelets, necklaces, wallet cards, and letter-size forms. If your DNR is not in the required form, it may not be honored. If medical personnel can't find your DNR order, they are obligated to give full and immediate care. Thus, it is extremely important to execute your DNR order properly and keep it with you (or in an appropriate place) at all times.
Example(s): Hal is a resident of an assisted-living facility. Hal is 89 years old and feels he has lived a good life. He does not want to die in a hospital or be dependent on machines for his survival. Hal discusses his feelings with his doctor. Hal's doctor suggests executing an out-of-hospital DNR, which will instruct medical personnel not to perform cardiopulmonary resuscitation (CPR) if Hal goes into cardiac or respiratory arrest. Hal agrees and receives an ID bracelet noting his DNR status. Hal wears his bracelet faithfully. Six years later, Hal's heart fails as he jogs in the park. Medical personnel arrive on the scene, but immediately notice Hal's DNR ID bracelet. CPR is not attempted.
Tell People About Your Decision
In general, other people cannot reverse your decision once you execute a DNR. As a Ameren employee however, if your DNR is misplaced or for some reason is not followed, it would be important for your family and friends to understand your wishes. Although this topic may be difficult to discuss, those close to you are more likely to support and uphold your decision if they understand how you feel and why you feel that way. If you have appointed a representative in a durable power of attorney for health care (DPAHC) , it is especially important that this person be aware of your decision.
Coordinate All Advanced Directives
Since a DNR is so limited in scope, you may wish to establish a living will and/or DPAHC as well. If you do so, make sure your wishes are stated consistently throughout these documents. In some states, the most recent document will govern if there is a conflict, so you must make sure your wishes are clear.
Tax Considerations for Ameren Employees
Income Tax
None
Gift And Estate Tax
None
Questions & Answers for Ameren Employees
What If You Go Into a Coma Before Executing Your DNR, And You Can't Express Your Wishes?
Your healthcare representative, if you have appointed one, may be able to have a DNR executed on your behalf. As a Ameren employee, there must be evidence that this is what you would want. You might include these instructions in your durable power of attorney for health care , especially if the laws of your state do not allow out-of-hospital DNRs. Be aware, however, that this method of instruction is useless in an emergency if your representative is not present. In some states, with your family's consent, your doctor may be able to execute a DNR on your behalf. Again, it would be unwise to rely on this course of action in an emergency.
Can You Change Your Mind?
Yes, it is possible to revoke a DNR order. If you have an out-of-hospital DNR, you may be able to revoke it by simply removing the bracelet or the wallet card. However, some states also have a database of DNR patients. If this is true in your state, you may need to take additional steps to revoke your DNR. When your doctor writes the DNR, ask what steps are necessary to revoke the order.
Additionally, medical personnel must give emergency care to anyone who requests it. For example, Emergency Medical Service guidelines in Wisconsin instruct personnel to perform cardiopulmonary resuscitation (CPR) if a person rips off his or her DNR bracelet or asks for CPR during cardiac arrest.
How does the Ameren retirement plan design ensure that employees' benefits under the Union Cash Balance Plan grow over time, and what specific features contribute to this growth? Discuss how amortization methodologies and interest credits are determined for Ameren employees, particularly in relation to age and years of service.
Growth of Benefits: Ameren’s Union Cash Balance Plan ensures growth through annual interest credits and regular credits based on the employee’s age and pensionable earnings. Interest credits are applied at a rate of 5%, subject to change yearly based on Treasury rates plus an additional 1%. Employees also receive regular credits that increase with age, ranging from 3% to 8% of pensionable earnings(Ameren_Corporation_Sept…).
In what ways can employees of Ameren leverage the various payment methods available to them upon retirement? Elaborate on how the choice between lump-sum payments and annuities impacts their financial planning post-retirement.
Payment Methods: Ameren offers employees flexibility in receiving benefits as a lump sum or annuity. Lump sum payments provide immediate access to all benefits, which can be rolled over into other retirement accounts, while annuities provide steady income for life. Choosing between these affects financial planning by balancing immediate liquidity versus long-term income security(Ameren_Corporation_Sept…).
What are the implications of leaving Ameren before reaching retirement age, particularly in regard to vesting and benefit access? Discuss the conditions that affect an employee's eligibility and the importance of completing the required years of service.
Leaving Before Retirement: If an employee leaves Ameren before reaching retirement age but has completed three years of service, they are vested and entitled to their full cash balance account. If an employee leaves before vesting, their account is forfeited. Completing the required years of service is critical for retaining benefits(Ameren_Corporation_Sept…).
How does the Ameren Corporation balance contributions to the retirement plan with the need to comply with IRS regulations, specifically with the aim of avoiding a "top heavy" classification? Analyze how this impacts employee benefits and the strategies used by Ameren to ensure compliance.
Compliance with IRS Regulations: Ameren ensures compliance with IRS “top heavy” rules by monitoring the allocation of contributions to avoid excessive benefits going to key employees. If more than 60% of benefits are allocated to key employees, Ameren must provide minimum benefits to non-key employees, impacting overall contributions and plan design(Ameren_Corporation_Sept…)(Ameren_Corporation_Sept…).
What are the survivor benefits options available under Ameren's Union Cash Balance Plan, and how are these benefits calculated for spouses and non-spouse beneficiaries? Provide details on how varying age differences between an employee and their beneficiary affect these calculations.
Survivor Benefits: Under the Union Cash Balance Plan, a spouse beneficiary receives survivor benefits either as a lump sum or lifetime annuity. Non-spouse beneficiaries receive a lump sum. The calculation of survivor benefits adjusts based on the age difference between the employee and the beneficiary(Ameren_Corporation_Sept…).
How do the changes in IRS limits for retirement accounts in 2024 potentially affect employees of Ameren when planning for retirement? Discuss the strategic considerations Ameren employees should take into account in relation to contribution limits and catch-up provisions.
IRS Limits and 2024 Changes: Changes to IRS contribution limits in 2024 may affect employees by altering the maximum they can contribute to retirement accounts, including catch-up provisions for those over 50. Ameren employees should monitor these changes to maximize their retirement savings strategies(Ameren_Corporation_Sept…).
In what ways does the Ameren Corporation's retirement plan administration ensure transparency and participant rights, particularly under ERISA? Explore the various rights employees have regarding access to plan documents and the recourse available in the event of a benefit claim denial.
ERISA Rights and Transparency: Ameren ensures transparency and adherence to ERISA, giving employees the right to access plan documents, including the SPD and financial reports. In case of benefit claim denials, employees can appeal and, if necessary, pursue legal action(Ameren_Corporation_Sept…).
How can Ameren employees contact the company to learn more about their retirement benefits and navigate the complexities of the Union Cash Balance Plan? Discuss the available resources and support channels for employees to gain clarity on their benefits.
Contact for Plan Information: Ameren employees can contact the company through its pension benefits line at 877.7my.Ameren for details on retirement benefits and support with navigating the Union Cash Balance Plan. Online resources like myAmeren Pension Benefits also provide account information and assistance(Ameren_Corporation_Sept…).
What specific factors influence the calculation of interest credits in the Union Cash Balance Plan, and how do these credits affect the overall retirement savings of Ameren employees? Analyze the importance of understanding these factors in relation to future financial security.
Interest Credits: Interest credits are determined based on a fixed rate (5%) or the sum of Treasury Constant Maturity rates plus an additional percentage, ensuring steady account growth. Understanding how these credits accumulate is essential for predicting future retirement savings(Ameren_Corporation_Sept…).
How does the flexibility provided in the Ameren retirement plan enhance employee satisfaction and encourage long-term retention? Discuss the impact of features such as portability of benefits and options for account growth on employee engagement.
Flexibility and Retention: The portability of benefits and the ability to choose between lump sum or annuity payments enhances employee satisfaction and retention. Employees can take their vested account balance if they leave Ameren, encouraging long-term engagement(Ameren_Corporation_Sept…).
Importance: Addressing this news is crucial due to the current economic uncertainty, which affects investment decisions and tax planning. The reduction in benefits and pensions could impact employees' retirement planning and financial stability, making it essential to stay informed about these changes. Additionally, the restructuring may influence Ameren's stock performance and investor sentiment in the broader market.



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