HEALTH INSURANCE Dear (Customer Name): We already write your ( ), but did you know we also can take care of your Health insurance needs? We're professional insurance agents trained to h...

The conference report for H.R. 3103, the Health Insurance Portability and Accountability Act of 1996, provides for changes in the private heath insurance market. The bill guarantees the availability of private heath insurance coverage for certain groups and restricts the use of preexisting condition restrictions. Renewal of coverage will be guaranteed with limited exceptions. Although H.R. 3103 creates federal standards for insurers, health maintenance organizations (HMOs), and employers who self-insure, the bill permits substantial state flexibility for compliance. This report examines the major features of H.R. 3103 regarding heath insurance.

HEALTH INSURANCE: MODULE V-H OVERVIEW Health insurance has grown into a vast and complicated field involving many types of policies and programs: Group, individua...

HELLO, DOLLY: MOVING BEYOND OLD PARADIGMS by Michael Manes The announcement of the cloning of a sheep several years ago created quite a controversy. The possibility of cloning peopl...

HELP PUT AN END TO WORKERS COMP MALINGERING: A GUIDE FOR BUSINESS MANAGERS WHO FACE A WORKERS COMP CLAIM by David DePaolo To malinger is to pretend to be ill or otherwise incapacitated ...

HELP WORKERS KEEP THEMSELVES SAFE Most on-the-job accidents occur in safe workplaces. Why? Employee error. What can your Commercial Lines clients do about it? Invest in a c...

HELP! WE'VE LOST OUR HARD DRIVE! by Jeane Massey May 11th was a typical busy Monday in our office. Our 20 staff members were using our system constantly throughout the morning; at noon we did our ...

HERE'S HOW TO REACH THOSE HARD-TO-GET REFERRALS by Bill Cates Here's a little strategy that you're going to love, because it's so easy to use and so effective. I got this from ...

HEY BOSS, DID YOU EVER CONSIDER BECOMING A COACH? by Frank Herberg Boss, manager, supervisor. We've all had great ones, and some less than great. Some, especially the newly elevated...

HIDDEN LIABILITIES IN MERGERS AND ACQUISITIONS by Arthur Parry Increased financial benefits coupled with regulatory restrictions have caused many organizations to merge, acquire or...