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It was a world-famous heart surgeon, Dr. Marius Barnard, who created critical illness insurance, as he saw how the financial stress that accompanied cancer, heart attack and stroke was killing his patients. This type of insurance typically gives you a lump-sum cash payment if you are diagnosed with one of the illnesses specified in your critical … Continued
OSHA Injury Tracking Application Electronic Portal As of August 1, 2017, the Occupational and Safety Health Administration’s (OSHA) new electronic portal, the Injury Tracking Application (ITA), is available for employers to file web-based reports of workplace injuries or illnesses. Under OSHA’s electronic recordkeeping rule, covered employers with at least 250 employees must submit the following … Continued
First, the basics. If you still owe someone, or love someone, yes, you need life insurance. Now, let’s dig a little deeper and look at the other reasons you may still need life insurance after 65. 1. You’re still the “Bank of You.” 63% of parents over 55 are still supporting their children and or … Continued
Insurance is designed to offset major expenses in various life areas. For example, a homeowner’s policy covers damage to your house, while car insurance pays for repairs after an auto accident. Medical policies do not cover dental work, but you can get dedicated dental insurance. Dental policies vary, and many limit or exclude coverage for … Continued
On August 1, 2017, Occupational Safety and Health Administration’s (OSHA) injury tracking application (ITA) portal will be available to employers. The portal allows employers to electronically report information about workplace injuries and illnesses. Establishments with 250 or more employees that are currently required to keep OSHA injury and illness records, as well as employers with … Continued
Congress approved the Health Insurance Portability and Accountability Act (HIPAA) to guard the privacy of personal medical information, and to give individuals the right to keep their health insurance coverage for pre-existing conditions in place even if they change jobs. The law has done this, providing important safeguards for patients. But it has also increased … Continued
Few people are prepared to handle the financial burden of long-term health care. In fact, many people have a false sense of security when it comes to long-term care. Let’s separate fact from fiction: “Medicare and my Medicare supplement policy will cover it.” FACTS: Medicare and “Medigap” insurance was never intended to pay for ongoing, … Continued
The Occupational Safety and Health Administration, or OSHA, was established in 1970 to encourage employees and employers to decrease workplace hazards. OSHA recommends that both parties cooperatively establish workplace-specific safety standards. The agency also establishes training programs for occupational safety and health personnel. Finally, OSHA oversees research to find new approaches to workplace safety and … Continued
On July 17, 2017, the U.S. Citizenship and Immigration Services (USCIS) announced the publication of a revised version of Form I-9, Employment Eligibility Verification. What Employers Need to Know Employers may use the new form, with a revision date of 07/17/17 N now. Using new form is mandatory on September 18, 2017 to avoid fines. … Continued
Insurance has become the method by which most Americans have their health-care costs paid. By paying a regular monthly bill for health insurance, the cost of expected health care events is spread out into even payments and the cost of major unexpected medical incidents is absorbed by insurance. Lack of health insurance can have a … Continued