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...and long-term care insurance with nursing homes. In fact, it is just the opposite. In...lion Americans receiving some form of home health care.

When physical or mental health issues rob people of their independence, they may find themselves in need of an Assisted Care Living Facility. These facilities are for people who need supervision or assistance with the activities of daily living, and they usually harbor a philosophy of care and services promoting independence and dignity for their residents.

Here are some featured markets we thought you might be interested in taking advantage of: Dry Cleaners Insurance, Wood Products, Guardian Program, Assisted Living Insurance, Recreational Marine - Commercial Insurance, Nightclub Insurance, Workers Compensation Insurance and Contractors Insurance

...ested in taking advantage of: Professional Liability, Security Guard/Private Investigato... Assisted Living Insurance, Product Liability Insurance, Ocean Marine Insuranc...

...ing: Nursing Homes Assisted Living, Inde...dult daycare, alcohol and drug rehab, home healthcare, hospice, etc.) ...

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... Target Classes of Business  Nursing Homes, Assisted Living and Independent Livi...dult daycare, alcohol and drug rehab, home healthcare, hospice etc.)  Misc. M...

Examples abound of workers offering their skills outside the workplace: Nurses and doctors aid the injured or ill; contractors assist someone with heavy lifting or short hauling while on a hardware run; benevolent computer techies make a quick fix for a customer without a dispatch order. If one of your employees suffers an injury while providing such help, can the employee collect under Workers Comp? After all, they were doing their work. A California correctional officer, injured while helping at the scene of an accident on his way to work, was denied Workers Comp benefits on the basis that his services did not qualify as regular employment. Citing an ethical standard set forth for correctional workers in the Ethics Cadet Workbook, the injured officer claimed it was his ethical duty as a corrections officer to assist those in need, regardless of when or where. Hence, he argued that his services at the accident were related directly to his employment. However, the court disagreed, stating that: "The fact that the law enforcement code of ethics for correctional officers speaks of a duty to serve humankind and safeguard lives and property does not confer authority on a correctional officer to act outside the scope of his statutory jurisdiction." Knowing the eligibility rules for workers comp benefits is essential for you and your employees alike. Now might be the time for a refresher course. For more information about your comp coverage rules, call our service team today. Content provided by Transformer Marketing.

Basic health interventions can help your business lower short-term disability rates, while reducing your employees' time away from work. That's the bottom line of a nationwide study of 118,000 employees by CIGNA, a major health services company. CIGNA found that these measures, combined with predictive analytics, cut disability rates by 15% among employees at high risk of suffering disability within in the next 12 months. (The study defined "high risk" as a 10% or greater probability of becoming disabled during this period). "By identifying workers at high risk of future short-term disability and providing individualized intervention that includes coaching, incentives, and other outreach, our study shows that the onset of disability absence can be reduced measurably, benefiting employers and employees alike," says Dr. Robert N. Anfield, chief medical officer for CIGNA's Disability business. Future studies will deal with the impact of intervention on the length of short-term disability, return-to-work rates, and total medical costs. The company's Absence Prediction and Prevention program establishes an intervention, led by a nurse/health advocate, that provides: Early identification of workers at high risk for future short-term disability. Proactive outreach to these employees. Clinical Assessment. A range of disability absence prevention strategies. By proactively identifying employees who might be having health problems before their condition worsens and they need to leave work, you can help workers stay healthy and potentially prevent or lessen the impact of injuries or illness - which translates into lower absenteeism, higher productivity, and a healthier bottom line. It makes sense to develop an absence prevention program that emphasizes preventive health safety training. As always, we stand ready to offer our advice.