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Insurance

Traumatic event can trigger workers’ comp benefits

08/01/2006

Pennsylvania employers that don’t adequately protect their employees from dangers associated with their jobs, take note. If your employees suffer post-traumatic stress disorder or depression following an armed robbery or other unusual violent act, they may be eligible for workers’ compensation for the "psychic injury" …

Drug-Test Policy Should Include Off-Duty Prohibition

08/01/2006

Pennsylvania employers that want to make sure their employees don’t come to work under the influence of alcohol or illegal drugs should establish a random drug-testing program. State law makes employees ineligible for unemployment compensation anytime an organization bases its firing on employees’ "failure to submit [to] and/or pass a drug test conducted pursuant to an employer’s established substance abuse policy" …

Erie representative proposes universal health coverage

08/01/2006

State Rep. Linda Bebko-Jones (D-Erie) has proposed a 10 percent payroll tax on businesses and a 3 percent personal income tax to provide universal health care coverage to Pennsylvanians. State Sen. Jim Ferlo, (D-Allegheny) proposed a companion bill earlier in the session …

Be on guard for often-Overlooked ‘Associated with’ claims

08/01/2006

A frequently disregarded ADA provision often catches employers by surprise. The ADA, which prohibits discrimination of disabled people at work, also bans discrimination against employees because they "associate with" someone who is disabled …

Help trim health costs by reviewing claims error data

07/01/2006

Health insurers make a surprising number of errors on claims, which can drive up your organization’s premiums and claims costs. Act now to identify money-wasting holes in your health plan with a full audit or a simpler checkup …

Consistency Erases Risk of Light-Duty Jobs

07/01/2006

Employers who use light-duty programs to cut workers’ compensation costs often make one big legal mistake: They apply their policies haphazardly, allowing some employees to take light-duty jobs, but not others. That inconsistency is the fastest way to trigger discrimination lawsuits …

Use payroll deduction to collect unpaid premiums

07/01/2006

Q. An employee went on FMLA leave, but we failed to specify the method in which he would pay his share of health insurance premiums. It’s now three months later, the employee has returned to work and he hasn’t paid a dime. We want to collect the premium. What can we do? —D.T., Texas

Weed out costly workers’ comp classification errors

06/01/2006

Insurers incorrectly calculate workers’ compensation premiums for 30 to 40 percent of employers. You can help slash premium costs, and become a hero to your CEO, by knowing what mistakes to look for …

Moving your health care costs to health care assets

06/01/2006

Corporate America continues to register alarm over unrelenting health care cost growth. If not restrained, health care costs will significantly affect every firm’s profitability and competitiveness …

Contain runaway diabetes costs with screening, education

06/01/2006

Employees with diabetes suffer more absenteeism and higher health costs. Sixty-two percent of larger employers have some kind of diabetes management plan, according to Mercer HR consulting …