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https://completemarkets.com/Blog/post/ScurichInsuranceServices/3621/STUDY-DIAGNOSES-HEALTH-OF-WELLNESS-PROGRAMS/
...businesses offer their employees wellness programs, fewer than half believe th...eview of the benefits your employee wellness program provides, just get in tou...
https://completemarkets.com/Blog/post/Insurance-Professionals-Blog/3894/Featured-Markets/
... Commercial Auto Program, Social Services Insurance, Workers Compensation Insu...
https://completemarkets.com/Blog/post/ScurichInsuranceServices/1257/Start-2014-with-wellness/
...lay the foundation for effective wellness. The principles are think, breathe,...les are the keys to a well-balanced wellness program. Here are just ten tips...
https://completemarkets.com/Blog/post/ScurichInsuranceServices/3667/Prearranged-Contracts-Speed-Disaster-Recovery/
... who would provide such critical services as site clean-up, emergency power su...ificantly by shortening downtime to services and operations after a disaster, ...
https://completemarkets.com/Blog/post/ScurichInsuranceServices/3007/How-to-Protect-Your-Intellectual-Property-IP/
... as the source of your goods and services.
To protect your company, it is imp...
https://completemarkets.com/Blog/post/ScurichInsuranceServices/2481/People-Robots-and-Technology/
People are losing jobs to robots and technology at an accelerating rate. Have you used one of those self-serve checkout stands lately? One was installed at my local CVS only 3 months ago. Awkward at first but seems like old hat now. The manager there told me the new system allowed him to let two full time clerks go. Two jobs lost to robots and their technology that will never reappear. Here's just some of the other jobs that are suffering the same fate as retail clerks:
Pharmacists
Soldiers
Reporters
Drivers
Fast food workers
Assembly workers
Bank tellers
Secretaries
Stock traders
Warehouse workers
…and there is more
Technology alone changes the employment landscape. Objects like the iPhone have the consequence of laying off Kodak workers, as well as workers in the mapping, printing, alarm clock and record industry.
I recently listened to an interesting podcast (all Radiolab podcasts are interesting!) about work in a shipping warehouse for online mega-providers, such as Amazon. If you thought stop watches were banned in the workplace at the beginning of the last century, guess what – they're back! Technology, along with its gamification, is reducing worker output to a competitive logarithm using the most minute of performance indicators.
Years ago Buckminster Fuller (otherwise known as "Bucky") surmised that the rise of computers and technology would bring use to a place where it is inefficient to have full scale employment. It would actually be cheaper to pay people to stay at home. And we are getting there. Even in a "good" economy we have 7% unemployment. And we are being asked to pay for those folks who have to stay at home…because there are no jobs. This has more to do with the macro-economics of production than it does anything a politician can influence.
While Bucky believed that less is more, most folks don't think that way. In their idleness they will want to be serviced, entertained and otherwise cared for, by a growing service class economy. So the fantasy of growing the middle class back to where it was before all these technology changes is a pipe dream. A political football divorced from reality. There will be a continued division between highly paid knowledge workers and low paid service workers. Sooner or later we will end up paying service workers to stay home or do some form of public service.
As we march forward you will either be a highly paid knowledge worker who cannot yet be replaced by a machine or a low paid service worker who cannot yet be replaced by a machine. That's true for your kids' future too!
FYI – Looks like John Henry would be out of a job today. Now trains lay their own tracks http://www.wimp.com/traintrack/
https://completemarkets.com/Blog/post/ScurichInsuranceServices/3655/How-Can-Workers-Prove-Chronic-Pain-Case-Studies-to-Learn-From/
Unfortunately, you can't actually see chronic pain. You can talk to someone who physically looks fine, yet is claiming they can barely stand up. Since pain is felt differently by different people, medical professionals and laypeople alike have difficulty categorizing and defining the more severe injuries. This leads to confusion and sometimes outright fraud. Let's look at how pain is defined by using a specific case study.
A Question of Proof
How injured do you have to be to claim injury? Do you have to be constantly writhing in agony or is it only when you make specific motions? These are specific questions that get a bit touchy. Recently, a man who filed for compensation claimed that he needed a wheelchair but was then shown to be out of his home shopping without it (and seemingly without pain) through video surveillance.
They also had him on camera performing a number of other activities as well. He was arrested with the possibility of up to five years in jail. Since the amount paid out due to his injury was more than a half million dollars, it's certainly brought about some attention in his area of Florida. The man was a deputy there, and was injured when bending to get his laptop from the trunk of his police cruiser in 2007.
After that, he went through surgery and stated that he couldn't walk, drive or bend, which has then been shown to be false by videos. He states that he had always been consistent in reporting his pain to be inconsistent because no two days are alike. He says that while the video may show him driving and running errands, he can only do so in limited ways. He claims his whole life is a mess, with his job ripped out from under him and expenses piling up. It's now up for the courts to decide who has the better claim and what will happen.
Employer Tips
No employer wants to follow their employee around constantly to check up on their progress and verify the truth in their claims. Also, it's difficult to accuse someone who's experienced severe injuries of trying to game the system. However, sometimes it's necessary with the case of chronic pain to be more involved. Medical professionals have been shown consistently to raise costs without cause in certain areas where they have direct financial incentives to do so as well.
Through questions and visits, you can start to see the character of the person behind the claim as well as the treatment they're receiving. If you do suspect foul play on either side, then your insurance company will be more than happy to help. After all, they stand to lose out on fraudulent claims too.
https://completemarkets.com/Blog/post/ScurichInsuranceServices/3620/ACCOMMODATING-PREGNANCY-IN-THE-WORKPLACE/