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Insurance

How old are your employees’ covered dependents?

11/10/2008

At least 30 states require organizations that offer health benefits to employees’ dependents to include children up to age 30—and the number is growing. They are reacting to the growing number of young adults who do not have health insurance.

HR and the bailout: Bill includes key mental health coverage

11/10/2008

The massive $700 billion financial rescue bill that President Bush signed into law on Oct. 3 contained dozens of measures that have nothing to do with bailing out Wall Street or shoring up credit markets. Among them: long-awaited legislation that bans health insurers from imposing stricter limits on coverage for mental health and substance-use conditions than those set for other health problems.

Home delivery of prescriptions boosts compliance

11/10/2008

Your employees are more likely to take their prescribed medicine and choose generics over more expensive name-brand drugs if they have prescriptions delivered to their homes, two new studies show.

Who pays for unauthorized treatments?

11/10/2008

Q. We have an employee who has had several work-related injuries. Our workers’ compensation insurance carrier, after reviewing the circumstances of the employee’s injuries, has denied her any treatment for a back injury. Even so, she has gone to a chiropractor for treatment 60 times. Her attorney has now filed a petition for benefits with the Judge of Compensation Claims. It seeks authorization for the visits and asks our company and the carrier to pay for all 60 chiropractor visits. If the judge determines that these visits are authorized, are we going to have to pay for all of them?

Employer not liable for worker’s injury caused by co-workers

11/07/2008

In most circumstances, employers aren’t going to be held directly responsible if an employee suffers a physical injury because of something a fellow employee did. Instead, such cases are handled through the workers’ compensation system.

Can I fire an employee who is likely to develop a serious disease?

11/07/2008

Q. I own my own business, and controlling my insurance costs is my biggest challenge. Recently, I learned one of my employees has been tested and has the genetic makeup likely to develop into a very serious illness. While I feel sorry for the employee, this disease is likely to cost our company hundreds of thousands of dollars. Can I fire the employee?

Unemployment claims rise in wake of Gulf hurricanes

11/04/2008

The number of new unemployment benefits claims filed nationwide increased by 32,000 in late September, a spike at least partially attributable to layoffs that followed hurricanes Gustav and Ike. That brought total late September unemployment claims to 493,000.

What are the liability risks for health plan administrators?

10/28/2008

Q. I was recently approached by one of our company’s board members and asked to act as the plan administrator for our health benefits plan. I am nervous about assuming formal responsibility for plan administration. Am I subject to personal liability for administering our company’s plan?

There’s getting hurt … then there’s the fear of getting hurt

10/27/2008

Here’s a tale of workplace terror so harrowing that one of the characters even used a pseudonym when he filed for workers’ comp … for injuries he had yet to receive.

New laws promise reform of N.J. workers’ compensation system

10/27/2008

New Jersey’s workers’ compensation system will be tougher on companies and employees who try to “game the system,” Senate Labor Committee Chairman Paul Sarto told A.M. Best Company, which rates the stability of government bonds and other financial instruments.