Does employer-sponsored coverage have to fail both the affordability and minimum value tests to allow an employee and dependents to jump the firewall and receive premium tax credits? No, the offer of employer-sponsored coverage does not need to fail both tests. An employee can jump the firewall and qualify for premium tax credits when no plan offered by the employer is both affordable and meets minimum value.
In addition to the usual risks associated with cocaine use, crack users may experience severe respiratory problems, including coughing, shortness of breath, lung damage and bleeding. Long-term effects from use of crack cocaine include severe damage to the heart, liver and kidneys. Users are more likely to have infectious diseases. Continued daily use causes sleep deprivation and loss of appetite, resulting in malnutrition. Smoking crack cocaine also can cause aggressive and paranoid behavior.
alcohol is a depressant it effects the central nervous system it is the most widely used drug in the U.S, high physical and psychological dependence. Nicotine. high psychological dependence and physical dependence, its a stimulant, nicotine is found in tobacco.