Benefits may be provided through insurance contracts paid for by the plan (an insured plan), from net assets accumulated in a trust established by the plan (a self-funded plan), or both. A health and welfare plan may process benefit payments directly or it may retain a third-party administrator. In either case, a plan that is fully or partially self-funded is obligated for the related benefits. Health and welfare benefit plans generally are subject to certain fiduciary, reporting, and other requirements of the Employee Retirement Income Security Act of 1974 (ERISA).
Mullein Habitat and Description. Alien, naturalized, biennial herb. Widely distributed plant, being found all over Europe and in temperate Asia as far as the Himalayas, and in North America it is exceedingly abundant. Great Mullein is found growing on hedge-banks, by roadsides and on waste ground, more especially on gravel, sand or chalk.
Both the flowers and the leaves of the mullein plant are used to make an herbal extract that helps strengthen the lungs. Mullein is used by herbal practitioners to clear excess mucus from the lungs, cleanse the bronchial tubes, and reduce inflammation that is present in the respiratory tract. A tea can be made from one teaspoon of the dried herb to one cup of boiled water. Alternatively, you can take a tincture form of this herb.