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...and long-term care insurance with nursing homes. In fact, it is just the opposite. In...

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.

...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...

Your weekly update on what's happening on CompleteMarkets. Featured Markets | Latest Discussions | Latest Blog Posts | Did You Know?

Your weekly update on what's happening on CompleteMarkets. Featured Markets | Latest Discussions | Latest Blog Posts | Did You Know?

... Target Classes of Business  Nursing Homes, Assisted Living and Independent Livi...

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.

Engineers, firefighters, lawyers, teachers, and police officers all have one thing in common: they qualify for Auto insurance discounts with some insurers who have found that people in certain fields tend to be less risky drivers than those in other occupations. A number of insurance companies offer discounts to those in a variety of professions - everything from architects, CPAs, and college professors through librarians, military personnel, and pilots, to physicians, registered nurses, and scientists. Here's why: although practicing architecture or flying a plane doesn't necessarily make a driver more responsible, insurance underwriters don't have to prove cause and effect when setting rates. They need only show a relationship between these rating factors and risk. A variety of factors can come into play in determining discounts. One Auto insurance company offers up to a 5 % discount to first responders, such as firefighters, police officers, emergency medical technicians and paramedics. Because these people tend to work in the communities where they live, they probably don't commute long distances. First responders might speed down the road in emergencies, but not in their own vehicles, and they tend not to work from 9 to 5 - which means that they're at lower risk for accidents. Discounts vary by occupation, insurance company, and state. Some companies offer discounts for a long list of occupations and professions, while others provide them to only a few, or none at all. Some jobs receive larger discounts than others. Rules for discounts also vary by field. To qualify for one company's discount, health care providers must have a license to practice, as well as a degree. However, policyholders who have earned at least a bachelor in engineering, math, or science qualify for an 18% discount, even if they work in other fields. Your occupation or profession might well entitle you to a substantial discount on your Auto insurance - even if you're retired. For more information, please get in touch with us.