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... Today's employers face more workforce challenges than ever — many of them because of problems that employees face in their personal lives. Employee Assistance Programs can help. EAPs provide face-to-face clinical counseling for such issues as relationship concerns, family problems, stress, workplace problems, and alcohol/chemical dependency. These programs also provide telephone consultations and information for such life-management issues' as financial concerns, finding providers for child or elder care, tax issues, legal advice, organizing personal affairs, and pre-retirement planning. The information that employees share with an EAP is strictly confidential and not shared with the employer. Considering the fact that substance abuse alone costs businesses more than $120 billion a year in lost productivity, an EAP program can be highly cost effective. EAPs have led to significant reductions in use of ... benefits, work-related accidents, Workers Compensation claims, and employee conflict. The three largest EAP providers are: Magellan ( www.magellan.com ), with 14 million total lives covered, ComPsych Corp ( compsych.com ), with 7 million total lives covered, and CIGNA ( www.cignabehavioral.com ), with 4 million total lives covered. DEPENDENT CARE SERVICE PROVIDERS Increasing demand for child and elder care has triggered the development of Dependent Care Services Providers. These firms help employers take advantage of Internal Revenue Code Section 125, which provides a tax-advantaged method for employees to pay out-of-pocket health care and dependent day care expenses. The current IRS limit for this benefit is approximately $5 ,000. A Business Insurance survey lists the top dependent care providers: Ceridian ( www.ceridian.com ), with 7.6 million lives covered Child & Elder Care Insights Inc ...

...al concerns, finding providers for child or elder care, tax issues, legal advi...), with 7.6 million lives covered Child & Elder Care Insights Inc. (ww...

... by CompleteMarkets Editor Comments (0 ) Day Care Centers - Attention To Detail This content has not been rated yet. CompleteMarkets Editor 4/30/2013 10:37:47 PM DAY CARE CENTERS - ATTENTION TO DETAIL Dear (Customer Name): SEEKING ADVENTURE . . . EXPLORING . . . TAKING RISKS. . . these are all a natural part of growing up. And as a child care specialist, you.. All Articles by CompleteMarkets Editor Comments (0 ) Sample Drug And Alcohol Policy This content has not been rated yet. CompleteMarkets Editor 4/30/2013 10:39:13 PM DRUG AND ALCOHOL POLICY Drug and alcohol abuse contributes to billions of dollars of lost productivity and thousands of work place injuries every year. This company takes drug and alcohol abuse as a ... . All Articles by CompleteMarkets Editor Comments (0 ) The Balance Sheet Does Matter! This content has not been rated yet. CompleteMarkets Editor , Chris Burand 4/30/2013 12:00:00 AM THE BALANCE SHEET DOES MATTER! by Chris.. All Articles by CompleteMarkets Editor Comments (0 ) The Balance Sheet Does Matter! This content has not been rated yet. CompleteMarkets Editor , Chris Burand 4/30/2013 12:00:00 AM THE BALANCE SHEET DOES MATTER! by Chris Burand Chris Burand explains why a balance sheet definitely matters in an agency sale. The degree to which it matters depends on the quality of t.. All Articles by CompleteMarkets Editor Comments (0 ) 1 2 x No Thanks Loading.. Loading.. x No Thanks Loading.. ...

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Whether it is yourself or your child progressing to the next level of educ...Emergency student loans should not be abused and should be treated in the same...

... to present themselves: Southern Heritage and USF&G . Revise Job Descriptions to meet current work flow standards. 100% loaded data base of all Duggan files and a movement to transactional filing. Assist producers in their efforts to round-out accounts and solicit referrals. Considering the use of cubical workspace. Implementation of a renewal questionnaire for the purpose of updating home construction information. Community outreach- considering a Child ID program. Competitive Position To increase Production by competitive position, we will emphasize the following during the course of the year. 1st Quarter: REFERRALS Letters to current clients asking for referrals. Work with Travel-Life-Commercial Departments to beef-up referrals. 2nd Quarter: DIRECT MARKETING Mailings Realtors - Flyers Coupons Mailer Special Package letters to targeted neighbors Co-ordinated media Print Herald Shopper Television Walk-in ads welcome 3rd Quarter: SPECIALTY ... wage and salary administration. Permit authority to be delegated, which will accomplish designated results and facilitate the program. Provide coordinated, consistent wage and salary action throughout the organization. This policy is to be distributed to each department director. Maximize employee influence Make everyone believe that they are the organization Develop our uniqueness thru enthusiasm and trust Develop technique and method - build spirit Maintain a workplace free of substance abuse without jeopardizing valued employee's job security. Develop a substance abuse and drug testing policy. SALES/MARKETING Have in place by September 1st a Market Coordinator actively pursuing new businesses with the new sales approach. Continue to pursue two aggressive sales people. Have current sales staff turning all renewals under $1 ,000 in commission over to service for processing. Work to have all outside sales people to ...

... to present themselves: Southern Heritage and USF&G . Revise Job Descriptions to meet current work flow standards. 100% loaded data base of all Duggan files and a movement to transactional filing. Assist producers in their efforts to round-out accounts and solicit referrals. Considering the use of cubical workspace. Implementation of a renewal questionnaire for the purpose of updating home construction information. Community outreach- considering a Child ID program. Competitive Position To increase Production by competitive position, we will emphasize the following during the course of the year. 1st Quarter: REFERRALS Letters to current clients asking for referrals. Work with Travel-Life-Commercial Departments to beef-up referrals. 2nd Quarter: DIRECT MARKETING Mailings Realtors - Flyers Coupons Mailer Special Package letters to targeted neighbors Co-ordinated media Print Herald Shopper Television Walk-in ads welcome 3rd Quarter: SPECIALTY ... wage and salary administration. Permit authority to be delegated, which will accomplish designated results and facilitate the program. Provide coordinated, consistent wage and salary action throughout the organization. This policy is to be distributed to each department director. Maximize employee influence Make everyone believe that they are the organization Develop our uniqueness thru enthusiasm and trust Develop technique and method - build spirit Maintain a workplace free of substance abuse without jeopardizing valued employee's job security. Develop a substance abuse and drug testing policy. SALES/MARKETING Have in place by September 1st a Market Coordinator actively pursuing new businesses with the new sales approach. Continue to pursue two aggressive sales people. Have current sales staff turning all renewals under $1 ,000 in commission over to service for processing. Work to have all outside sales people to ...

... wrong with that? Right! We just can't think of a seed catalog as a life-or-death determinant. Had they asked me, I'd have tied an acknowledgment of the mismatch into the mix: Dear Friend of [name of organization], I know it's hard to believe. But what you do with the little seed catalog I've enclosed could literally make the difference between life and death for a helpless child. The same organization follows the formula more logically-if with a mildly contrived device-in this opening: In the 10 seconds it took you to read this letter, five children died from the effects of malnutrition or disease somewhere in the world. I'd have left off somewhere in the world, ' which shifts the reader somewhat out of the arena. And, yes, the opening is a mite trite ... tad less all-inclusive. Usually, the word following If you're like me' is an automatic you' or, to complete a parallel, you're. You can see why this opening is implicitly reader involving. I take a parental view toward this opening, and I'm torn between statesmanship-directing me to share it with those who haven't yet sampled its joys, and proprietorship-predicting application of the deadly rule: Overuse = abuse. Statesmanship wins out, because I suspect, from my own incoming mail, word is already out. A letter from a scuba diving organization begins: Dear Diving Enthusiast: You and I are part of a remarkable group. Someone who's never been on a scuba dive could never understand it. See the exclusivity building here? See how much stronger this opening is than You're part of a ...

...ween life and death for a helpless child. The same organization follows the ...it took you to read this letter, five children died from the effects of malnut...