You can bill for a second visit for a patient refusing dilation if you know these coding tips.

If a patient refuses to have his pupils dilated during an eye exam, it creates a dilemma for coders. Follow our expert tips to expand your coding options for patients refusing dilation.

Most Medicare carriers assume that a dilated fundus exam will be a part of any comprehensive eye exam you perform and bill with 92004 (Ophthalmological services: medical examination and evaluation with initiation of diagnostic and treatment program; comprehensive, new patient, one or more visits) or 92014 (Ophthalmological services: medical examination and evaluation, with initiation or continuation of diagnostic and treatment program; comprehensive, established patient, one or more visits).

Without dilation, you cannot perform the fundus exam — and without the fundus exam, you don’t have a comprehensive service.

Count 2 Visits as 1 Service

CPT states that a comprehensive ophthalmological service “often includes” examination with dilation, therefore dilation is not necessarily required to bill 92004 or 92014. However, some payers and state specific guidelines may have their own dilation requirements. For example, Trailblazer says the 92004/92014 exams should be done under dilation unless “medically contraindicated.” Check with your carrier if you receive a denial you think is unfounded.

Important: Note the phrase “one or more visits” in the code descriptions. The dilated part of the exam does not have to be performed on the same day as the rest of the exam. If the patient comes back to complete the exam another day, you can report 92004 or 92014 once, with either date as the date of service.

You cannot bill each day’s work separately because the two visits could have been done in one visit if the patient had been prepared or willing to complete the exam.

Example: An ophthalmologist is following up with a patient every 12 months for cataracts. During the first visit, the patient has no time for the dilated exam. He returns to the clinic two weeks later for dilation. He has no other medical conditions.

Bill one unit of 92014, and list the date of the first visit as the date of service.

You can bill for the second visit only if the patient has a new chief complaint or worsening symptoms requiring a new workup and assessment. The time between visits may not matter to an auditor, experts say.

If the visits are far enough apart, you may be able to start the examination over with the second visit and bill for two visits if both are medically necessary — but you would not be able to bill 92004 or 92014 for the first visit, since it did not include dilation.

Watch for: If you are repeatedly billing two visits close together with no new chief complaint or worsening symptoms requiring new workup (assuming you are not evaluating treatment prescribed at the first visit), you would be on shaky ground in case of an audit.

Don’t Submit Bill Until Second Appointment

The real challenge comes into play when you’re expecting the patient to come back for the dilated exam and he never shows up. This is a difficult situation, as you don’t want to bill for services not rendered, nor do you want to undercode a visit.

If you actually bill the insurance company for the initial visit before the time of the second visit, and the patient doesn’t show up, document carefully that the patient refused dilation on the first visit, scheduled a return visit and then refused to keep the appointment. However, it is not recommended to bill for services that have not been rendered or refused by patients under any circumstances.

Better idea: Don’t file the claim until the second appointment.

You could downcode to a 92002/92012 (intermediate service) if the patient failed to show up and you would not have to pursue the patient to return. You could not bill the comprehensive codes in this case because the first visit did not include a dilated fundus examination.

Another alternative: Bill each service separately with consideration to medical necessity and the level of service rendered with E/M codes 99201-99215 (Office or other outpatient visit …). The second visit for a dilated exam only may only allow a CPT codes assignment of 99212 and the patient will be required to pay two copays for the two office visits, but since it is the patient’s choice to return at his own convenience for the dilated exam, they should be expected to pay for the second visit, experts say.

When reporting an E/M code, “remember that the elements of an E/M service are much more defined as to things like case history and difficulty of medical decision making,” says David Gibson, OD, FAAO, a practicing optometrist in Lubbock, Texas. “Be sure to document the date of onset, frequency and duration of symptoms, level of discomfort, whether the condition is improving, and other details defined in the E/M codes that are not specified in the eye codes.”

A verbal explanation to patients discussing second visit copays in this scenario is essential, experts recommend, and may convince the patient to undergo the dilated exam during the first encounter.

Source by James Smith

Reaching the teenage years is the ultimate experience for youngsters. Not only are you at an age where you can do more and have more fun, you get to learn how to drive. Keeping this in mind, it is time for parents at this stage of the game to begin comparing insurance prices. Getting an early start may give you a head start on finding cheap insurance for young drivers.

Many parents who have young drivers make the mistake of simply doing the easiest thing for themselves and that is to call the current insurance company and just add the new young driver to the existing policy.

While there is nothing wrong with that, you are at a disadvantage if you go this route. The reason being is that you may be short changing yourself. If you don’t shop around, you may be missing out on new, lower, and cheap insurance for young drivers.

There may be a little extra work, but it could be worth it for you. To save you a lot of time in your search, one of the best ways is to shop online from the comforts of your home using your computer and the internet.

When you go online you will see hundreds of insurance companies that are competing for your business. This is of a bigger benefit to you and all of the more reason why it is good to use this method to help find cheap insurance for young drivers.

Some of the top companies offer highly competitive rates and discounts. When shopping around to get cheap insurance for young drivers, the best way may be to save on the parents premiums. This can be done by comparing prices with three to five insurance carriers.

Look for discounts offered and take advantage of them. Many companies offer military discounts, senior discounts, good driver discounts, and a variety of others. This will help your overall rate and you may earn a substantial savings.

Young drivers don’t have a previous driving history that is a major factor that is weighed by insurance companies to determine rates. Age is another consideration. With the young drivers being young they also will be put into a higher risk category.

The type of car you may be insuring can be a factor on whether you can get cheap insurance for young drivers. Older model cars with safety features tend to attract the lowest rates. Sports cars, two door models, sports utility vehicles, and luxury cars will earn you a much higher rate, so this is another aspect of getting cheap insurance for young drivers to consider.

The best thing that can help obtain cheap insurance for young drivers over time is for them to maintain a good driving record. Having no violations or traffic accidents is a huge benefit in securing low rates.

Start early in teaching a young driver good safe driving habits. Learning how to look out for the other driver and driving cautiously is the best medicine for securing low rates.

Source by Jim Bassett

With winter here and cold snaps featuring on the weather forecasts, it’s probably time to prepare for frosty mornings and icy driveways, as temperatures begin to drop as the season takes hold. Every year we read about water pipes freezing solid and causing damage to homes and utilities, but there’s another asset that you should never overlook when winter arrives: your car.

Not only can extremes of weather have a far greater impact on your car’s natural wear and tear, but in some cases it can be costly to ignore a few basic precautions – and that’s before you even get onto the icy roads. Here’s some advice on how to look after your car this winter and protect it from the potentially damaging effects of the change in season.

First things first, on top of insurance you should consider investing in suitable breakdown cover so that when you’re out on the road in winter, you can rest assured that help is at hand should you need it. For a fairly minimal investment, this will give you invaluable piece of mind should you break down on a cold winter’s night.

Better yet, get your car serviced. You should do this once a year anyway, but it’s particularly important that everything’s in good working condition for winter.

Obviously the elements are going to have an impact on how your car starts in the morning, so consider how your car is parked each night. Park it in a garage if possible, as this will provide adequate shelter against potentially damaging frost build-up on the windscreen. If you don’t have a garage, a car port can still be good protection.

If you do have to park your car in the street overnight, don’t pour boiling hot water over the windscreen to remove ice in the morning. The sudden change in temperature could easily crack the glass. Also, don’t ever leave the engine on to thaw the ice off the windscreen whilst you go get ready for work, as thieves have been taking advantage of this seasonal opportunity, dubbed ‘frosting’. Worse still, some insurance warranties will be invalidated if you leave the keys in the ignition.

Always remember to check the essentials like anti-freeze, the oil and tyres before any long journeys but, like your home, one of the best things you can do to protect your car is invest in some comprehensive car insurance. There are many reputable specialists out there, so it’s worth shopping around for a good deal.

Source by Adam Singleton

It’s 9am and you got a business meeting at 10am downtown. The biggest mishap you can encounter? Your car broke down and repair shop is still a drive away.

In instances like this, you can borrow a car from your friend or relative and make use of one-day auto insurance. This kind of insurance will pay any injuries from vehicular accidents. Aside from this benefit, you can also keep your properties protected. For you to know, you can get an auto insurance that can last from 1 day to 1 year. And according to insurance experts, it is more reasonable to avail of one-day insurance than of a yearly basis.

One day auto insurance offers a lot of great deals. First is that you don’t need to pay a large amount of money which can help you save on your expenses. You can seek the opinion of an auto insurance adviser on what coverage to get. These advisers usually know the policies appropriate to your needs. This type of insurance is also useful when you need to test drive a car or when going on a long travel.

Others benefits from a one day auto insurance includes immediate use of coverage, ability to do transactions online, coverage for vehicles such as cars and vans, can be availed by people ages 21-69 or until 75 for the additional driver, plus a comprehensive coverage.

You may be wondering how these things can benefit you. It is a good thing that you can right away get your auto insurance claim in case accident occurs. Accidents do happen and no one knows when. As for doing your business online, it is more convenient and efficient. You’ll save a lot of time and effort. You are just a click away in paying your auto insurance premium.

Acquiring auto insurance is not anymore a tedious and expensive move. There are also car insurance policies available that won’t hurt your pocket but will be very useful. You can talk to a team of auto insurance providers who can provide you with a reliable insurance policy right away.

Going back to the concept of one day insurance, this will be practical in times when your car will be driven by a friend or relative. This kind of insurance is becoming popular since its introduction in 2005. And if you are a car racer, this can also be used when participating in racing events. Remember that this type of insurance covers whatever damages caused by an accident.

In addition to the benefits mentioned a while ago, one day insurance is more practical since it is of short-term agreement. It is favored by people who are interested in short term and cheap auto insurance policy. And similar to comprehensive coverage, this kind of insurance also gives protection against theft, fire and other accidents.

One day insurance is among the many types of car insurance policies available in the market and online. This greater access to a wide variety of car insurance choices makes people lives easy. Whatever are your needs, there’s always right and affordable auto insurance for you.

Source by Elle Perkins

New York City is one of the most expensive cities in the world to live in, costing twice as much as any other city in the United States. Is it any wonder, then, that 25% of New York City residents do not have health insurance? If you’re uninsured, here’s how to get cheap New York Health insurance with a reliable company.

Health Insurance Costs in New York

Consider these facts about health insurance in New York:

* New Yorkers pay 26% more for health care than the national average.

* From 2000 to 2006, health insurance premiums in New York rose five times faster than earnings.

New York State Insurance

New York does provide options to help the uninsured get cheap health insurance. Several state programs are available:

* Family Health Plus is a public health insurance program that provides comprehensive coverage for uninsured adults who don’t qualify for Medicaid.

* Child Health Plus provides similar coverage for children.

* The Healthy NY program helps small business owners provide employees with affordable health insurance.

To find out if you’re eligible for any of these programs, go to the New York Department of Health website – health.state.ny.us – and click on “Health Insurance Programs” under “Site Contents” on the right side of the page.

Private Insurance

If you aren’t eligible for any of these programs, you can find the cheapest rate on individual or family health insurance by going to an insurance comparison website. Insurance comparison websites let you easily obtain quotes from multiple A-rated insurance companies so you can compare them and choose the cheapest one.

The best insurance comparison websites let you talk online with insurance professionals so you can get answers to all your insurance questions and get advice on how to lower your insurance costs. (See link below.)

When you choose an insurance company, you want to choose a company that will be reliable and provide you with excellent service. So before you make a final decision, check the New York Consumer Guide to Health Insurers webpage, which ranks insurance companies based on complaint statistics and enrollee satisfaction surveys. Then you’ll be confident that you have the cheapest premium with the best company.

Visit http://www.LowerRateQuotes.com/health-insurance.html or click on the following link to get New York health insurance rate quotes from top-rated companies and see how much you can save. You can also get more insurance tips there.

Source by ryan@thesatellitetvguide.com

Introduction

Walmart is the largest retail store in the US. It has over 3, 700  stores countrywide and many others internationally. Despite these positive results, there is a need for injection of new ideas in order to ensure that the retail giant sustains its position as a market leader. The essay seeks to examine its marketing strategies in the present and possible strategies to ensure future growth. (MSNBC, 2007b)

Walmart Strategic business goals and objectives

Walmart has always aimed at increasing sales through its friendly prices. This image has stuck with the company for a very long time. Not only is the company associated with low prices, but it has a variety of items under one roof. These qualities favor the rural clientele.

The company is driven by a commitment to business excellence. This is seen by the quality of care accorded to customers once they report to their retail stores. This is ensured by the participation of employees in this business goal. The company has cultivated a culture of perfection in that they always want to be on top. The Walmart marketing manager has said that Walmart’s major business objective is to ensure that their sales are always increasing. It is one thing to get to the top but remaining there is different. The company ensures their growth rate does not stagnate. Other companies usually work on increasing their performance and once they have reached those targets, they choose to relax. However, this does not apply to Walmart; the company ensures that they always look for ways of sustaining their competitive advantage.

The Company is driven by the pursuance of technological improvements. This is achieved through the use of new technologies in service delivery. Creativity and innovation is another business objective for the company. Through the efforts of their employees, the company aims at maintaining their market positions by brainstorming and looking for new ways of attracting potential clients. (MSNBC, 2007b)

The Company also values being considered as a strategic community partner. The company’s mission is ‘saving money to live better’. This is an image that the company has worked on very well. Many people consider Walmart as a consumer friendly retailer. The company has cultivating this image through a number of ways. First of all, through their consumer friendly prices, through their satisfactory customer service, and also through their convenience as a one stop shopping centre.

Walmart uses the aspect of availability as another business objective. The Company has opened up a series of locations in different parts of the country. This means that customers are not inconvenienced when trying to locate them. Additionally, it becomes very difficult to ignore the store when one can see it in virtually all parts of the country. This aspect of availability is one of the reasons why the company has done very well in the past. (MSNBC, 2007b)

Analyzing Walmart’s situation

Walmart is dealing with attacks from a range of stakeholders in the retail industry. For instance Trade unions, human rights organizations and former employees. these groups have all accused the retailer of abusing its employee’s rights. They assert that Walmart discourages its employees from participating in trade unions. Employee rights groups argue that the company’s enumeration package does not reflect the rich profit margins that the company enjoys currently. In the year 2006, Maryland legislature passed a law that would force Walmart to spend a specified amount on health insurance. However, this law was reversed by a federal court. Additionally, some groups have been formed to specifically give anti-Walmart remarks. For instance WakeupWalmart protesters assert that Walmart’s advertisements on their corporate responsibility efforts indicate that Walmart wants to fool the eyes of the American public. Such an image could damage the company’s public relations and this could drive away certain precious clients.

The company has expanded rapidly over the past years. With its three thousand seven thousand retail chains located in the US, the retailer has saturated the market. It is difficult to get to a certain town without locating a Walmart store. This means that the company might face severe obstacles in its expansion procedures. It would therefore be wise for the country to consider other parts of the world such as China and India. However, efforts to replicate this success in other countries have not bore fruit as the country has not done very well in South Korea after recording low profits for a while, the company was forced to close its subsidiary in Germany. The company had to sell this subsidiary at a throw away price in order to stay ahead. Therefore, expansion strategies need to be done systematically (MSNBC, 2006)

The corporation is also faced with the challenge of continuously attracting clients into its stores. Clients have already decided on what they want to buy in Walmart and it is difficult to convince others to join in. This is the reason why the company’s client traffic has been reducing in 2007. The company has reached saturated levels in the US market and it is difficult to convince other individuals to continue with the company. (MSNBC, 2006)

Walmart is faced with the challenge of making its stores more convenient. The company’s representatives asserted that they may consider reducing the sizes of their stores in the future because it is difficult to navigate the stores for just one particular item. There is a need for the company to change its image from its large rural base into smaller, urban and more convenient stores. The company’s major competitors have already embraced this concept as Tesco of the UK has small stores specializing in specific products. (MSNBC, 2006)

Strategic goals for Walmart’s future growth

Walmart needs to target external markets. However, the company should change its market entry techniques. It should focus on customizing its business objectives within each country.

The retail giant needs to make product quality as part its major business strategy. Quality in this regard refers to both the customer service and the nature of the products in its stores.

The company needs to reinforce an image of a community based organization. This means that its employee practices should be enhanced and it should also maintain its low price offering. (MSNBC, 2007a)

Strategic marketing program marketing objectives, targeting and positioning

The Company needs to change its marketing objectives in such a way that they can attract a different market segment. In the past, the company has been associated with the middle class or low-income earners. Affluent clients tend to shy away from the retail giant due to the misconception that Walmart’s products are of lower quality. Most of them use the store for pharmaceutical and grocery shopping and pay no attention to the stores when it comes to other options. The Company has tried to establish this concept in the past. In the year 2006, the company opened up stores with this objective in mind. They stocked a wide range of sophisticated products such as jewelry, electronics, a sushi bar and a variety of electronics. The affluent market is crucial in the company’s efforts to secure new markets because they have saturated current ones. Almost all middle class shoppers prefer Walmart. Therefore, in order to sustain its position, the company needs to assess what competitors are doing to boost sales. Target – Walmart’s rival – has managed to attract affluent consumers. Consequently, Walmart must try and give these shoppers a reason for shopping at the company. Affluent shoppers appreciate quality and need to be assured that they can find it at Walmart. The reason why the company failed in its 2006 efforts to target these clients is because it went about implementing this goal in the wrong way. First of all, the company needs to improve the appearance of their stores through creative store displays. This is particularly important for stores allocated in affluent neighborhoods.

Walmart needs to work on the quality of its items. Some of the affluent consumers believe that Walmart has failed in this regard. In instances where the perceptions about the company are totally wrong, then the company can improve this image by marketing its products in a different way. They could talk about the quality of their items with particular emphasis on merchandise that affluent workers prefer. However, the company should be very careful about the type of products they choose to sell. In the year 2006, the company wanted to follow their rival- Target’s product portfolio. However, this did not work very well because they tried including designer labels in their apparel section. This is a very tricky item to sell and may not necessarily give positive responses. Designer items fluctuate from season to season and it may be difficult for the company to keep up with the trends. It would have been wiser if the company stuck with electronic items as these are less susceptible to change. Additionally, the company needs to make this transition slowly. All successful entrepreneurs agree that there is no need to change a winning team. Therefore, even if Walmart plans on targeting those affluent consumers. They must ensure that these changes do not scare away current clients. Walmart should do a thorough market analysis to find out the most appropriate manner of attracting these clients. Other retail stores that have made a name for themselves among these affluent shoppers have been working on this image for centuries. Consequently, Walmart should not imagine that they could do this overnight. (MSNBC, 2007b)

Additionally, the company should venture into other countries. Despite the fact that the company has done very poorly internationally: it closes one in every three stores overseas, there is need to expand operations. Since the company has reached saturated levels locally, then there is a need to tap some of the internationally resources. First of all, the company should exercise a lot of selectivity before choosing a particular country. Part of the reason why the South Korean outlet had to be closed was that the company still used the same marketing strategies applicable in the US. Different countries have different preferences, the company’s strategy of saving money to live better may not be feasible everywhere. The company should not enter international markets directly. It could collaborate with local leaders in those respective countries in order to work with a winning formula. Alternatively, the company should test an international market by beginning with fewer and smaller stores. If the response is good then it could proceed to expand. Countries chosen for expansion should be economically secure. Therefore, increasing the number of stores in China and India is probably a good idea. However, this should be done slowly and after thorough research. (Pallavi, 2007)

Marketing program

Product

The company should not abandon its idea of attracting the affluent client. However, this should be done sequentially; the Company had introduced Metro 7 stalls in 1,500 stores. These stores offered jewelry, expensive wine and other expensive commodities. The reason why this did not work very well was that the change was introduced rather drastically. The company should introduce expensive products only in stores located in affluent neighborhoods. (Pallavi, 2007)

Additionally, the company needs to exercise selectivity in the types of products chosen. The company should stay away from designer clothes or organic foods because these did not yield good results in the past. The focus should be on electronics.

The company needs to inject more creativity in its product offerings. It indicated this through its partnership agreement with Canopy furnishings. During the month of March this year, the company introduced a range of furniture items from Canopy and it is very optimistic that this would do well. The company should follow such an approach. For instance, the company should partner with other brands for household items and electronic companies. By securing well-known suppliers, the corporation can offer better quality products thus attracting the eye of the affluent clients who are particularly interested in these items.

Place

Since the Company has already saturated the local market, then the focus should be on international markets. However, entry into those international markets should be done tactfully. Walmart should choose economically secure countries. The stores found in these areas need to be located strategically. (Pallavi, 2007)

Price

The pricing aspect of Walmart’s marketing mix is part of the reason why the company has done so well so far; this is its winning formula. The company should maintain their low pricing strategies but they should merge this with product choices. They need to improve on the quality of service and their items in order to make themselves more appropriate in this scenario.

Promotion

One of the most notable promotional strategies in Walmart is the use of public relations. The company takes part in charitable events and has marketed itself as a community based institution. However, there have been a number of accusations in the media that Walmart exploits its employees. The company has had to grapple with lawsuits centering on this poor image. The company has already embarked on this program by marketing the company as a fair employer; it provides its employees with a good health insurance pan. The following issues have been highlighted in an advertisement posted in support of Walmart’s corporate responsibility

• The retailer is the nation’s largest employer
• Its offers affordable health plans starting from $ 23
• The company contributes close to 245 million dollars in charitable events annually(MSNBC, 2007a)

Instead of using advertisements such as the one shown above, Walmart should place more effort in improving their staff management policies. The problem with such advertisements is that they take so long to change consumer opinion. As a matter of fact, they may engrain negative perceptions because clients will see that the company wants to improve a tarnished image. Instead of spending millions on such advertisements, the company could direct those funds to improve their reward systems. A good employer does not need to advertise their employment practices as they will speak for themselves. The company should boost its health insurance plans because other companies offer better health programs yet they earn less than Walmart. This will go a long way in improving company image. (MSNBC, 2007a)

In line with this argument, the Company need not convince the public that its employees are actually happy to work for the company. These employee opinions should not be communicated to the public. Walmart asserted that, it has been found that a whooping eighty one percent of the company’s staff would recommend one of their friends to become Walmart employees. This kind of approach will not work for the company because the company is adopting a defensive strategy. The accusations made against the company could be embraced and turned against the counter accusers by improving organizational policies.

Lastly, the company should embrace the idea of hospital partnerships for its retail clinics. The company already announced that it plans on expanding the number of in-store clinics from fifty five to a whooping four hundred by the year 2010. While it may be a good idea in itself (given the fact that Walmart will be enhancing its corporate image as a company that cares for the community), there is still room for improvement. Walmart has been in the news for a number of wrong reasons. One of the accusations labeled against the retail giant is the fact that their employee health insurance plans do not fit their status as market leaders. Consequently, the company needs to look for ways of improving this image through a number of avenues. First of all, they could offer their employees access to the in-house clinics. This will go long way in enhancing their employment practices. (Pamela Lewis Dolan, 2008)

Conclusion

Walmart has done a lot in the past in order to secure its position as a retail market leader. These include offering low prices, offering good customer service and constant innovation. However, lately the company has grappled with low customer traffic. Market saturation in the middle income market segment, poor international performance and bad public relations as a result of their employee practices. The company should adopt the following strategies in order to ensure future growth; adopt penetrative strategies international markets, introduce good product packages for products favored by affluent clients and improve health insurance plans within the company. These will go a long way in sustaining the company’s positions as the US’s retail leader. (Pallavi, 2007)

reference:

MSNBC (2006): Wal-Mart turns attention to upscale shoppers, The Associated Press

MSNBC (2007a):Wal-Mart to air ads countering attack, The Associated Press

Pallavi Gogoi (2007): Wal-Mart goes abroad for growth; The McGraw-Hill Companies

MSNBC (2007b): Wal-Mart considers not-so-Super centers, The Associated Press

Pamela Lewis Dolan(2008): Wal-Mart partners with hospitals to rapidly expand in-store clinics, retrieved from

http://www.ama-assn.org/amednews/2008/02/25/bil10225.htm accessed on 9th July

Source by Carolyn Smith

One of the best gifts that you can give your family is a health insurance cover. There are several advantages of clubbing the health insurance covers instead of purchasing different policies for different members of your family. Not only does the healthy family insurance cover turn out cheaper but it is much easier to keep track of the premium dates as well. Read on to discover more about this particular type of insurance cover.

Now, there is no dearth of insurers offering family health insurance. When you are conducting your research online it will not really take you long to find the family health insurance quotes. Compare the health insurance quotes in order to find out which one of them is turning out to be the most affordable option for you. However, let us tell you that you cannot actually go on to focus only on the costs of the insurance cover before purchasing the same. Please do not commit the mistake of doing that.

You might as well be too eager to settle for the product of an insurer offering the cheapest of covers. However, you should only settle for the product when you are completely convinced about the quality of services offered by it, the terms and conditions spelt out by the same and, of course the reviews earned by the same.

Look up the individual review websites to find out about what the clients are saying about the quality of services offered by the insurer. It does not matter whether you are looking for Obama care health insurance NY or for that matter, any other type of affordable health insurance for children. Please make sure you are leaving no stone unturned to keep these points in view if you really want to secure pocket friendly deals. Get the best of the family health insurance deals by striking the perfect balance between cost and quality.

Things will not be too difficult for you if you are keeping these points in view. Best of luck!

For quality insurance deals make sure you are visiting http://www.quoteandinsure.com without fail. This is one website which offers you a wealth of information regarding the insurance. Make sure you are doing your homework earnestly in order to secure the best of the insurance deals possible. It will not really be too difficult to get the best of the deals if you are actually working towards it sincerely.

Source by Shawn Harris

At a time when almost everyone are seeking for guidelines to minimize expense as a result of the poor financial crisis, selecting medical insurance coverage at least expensive fees is the same as well. To find health insurance at the lowest costs and yet providing maximum protection, there are a number of ideas that you can study and this will be given following next in this article.

Building A Healthy Body System To Your Benefit

Your healthy state will absolutely have an impact on the insurance rate that the provider will impose on you. Compare to an individual who have quite a lot of health problems such as highly obese, hypertension, high cholesterol etc, the medical care insurance organization will certainly impose those with health issues at more costly rates mainly because these customers are prone to incur higher amount for the medical attention that they will acquire often. Worst of all, the company will not even consider the application for a health insurance if his or her health conditions are very negative. Indeed, by being healthy is the way to go in order to be eligible for a medical health insurance that is at significantly lower rates with superior coverage.

Use 100 % Free Clinics For Your Checkups

You may not be aware that there are free clinics that make available facility to have absolutely free medical examinations. With these free clinics, you are able to get your most current health statement. At the same time, you may also secure the good health related advices from them to keep yourself healthy. With these constant health checkups, it will help to make certain that you have a good health which consequently should help you get a medical insurance that is very affordable.

Assess Your Eligibility For A Medicaid

In the event that you are not capable of paying the expensive general health care insurance, you can find another alternative existing. This is often called Medicaid. This program is specifically catered for low net income group. The eligibility criteria vary from states to states. You will need to double check your eligibility to know if you can make a request for one. If you are eligible, this will assist tremendously in diminishing your financial burden to obtain affordable medical care insurance.

Availability Of HMO (Health Maintenance Organization) Insurance Plans On The Market

Another way to cut down your cost of medical insurance is to make an application for a HMO medical care insurance plan. This choice of medical care insurance plan normally cost lower compared to other traditional health care insurance plans. The sole restriction is that with this medical health insurance plan, you are only able to go to the very limited hospitals and medical doctors in times of seeking professional medical attention. Nonetheless, this scheme can really save you on your health costs to a huge amount due to the fact the month-to-month fees paid are generally dramatically reduced.

Searching The Health Insurance On The Web

To find health insurance, you can obtain the help of the World Wide Web. Most medical insurance companies are posted on the World Wide Web. Consequently, without trouble, you can search these providers easily online. Perform your homework and locate one that suits your need best in terms of health insurance coverage at the lowest fee.

Source by Johny J

When you inhale nicotine, it enters your blood stream and your body metabolizes it into continine. Therefore, checking for continine is a way to determine if you are a smoker. Nicotine tests apply immunoassay technology to detect continine in blood, hair, urine, and saliva. All nicotine tests detect the presence of continine at a cut-off point of 200 ng/ml.

How accurate is this kind of test? A member of alt.smokers discussion group say the tests achieves 95 percent accuracy. The tests can measure the level of continine in the body for as long as two weeks.

How long does it take for nicotine to surface in urine tests? American Lung Cancer states that nicotine is gone from your blood and urine within 72 hours after your last cigarette. what you can still find in your urine though, is continine.

Nicotine tests are taken for a few reasons. The most obvious reason is for health insurance. Insurance companies conduct nicotine tests to classify smokers into three different premium classes. As a smoker, your premium will be higher than a non smoker. Studies show that smokers pay as high as three times the premium of non smokers. If you remain smoke free for five years, you get to enjoy the lowest premium.

Another reason would be for concerned parents who want to know whether their teenage child smokes or not. With nicotine tests, you can check your child’s tobacco consumption. If you have a family member who smokes in the home, you can examine the exposure of second hand smoke using this test.

American surveys reveal that more than 4 million children under 18 smoke cigarettes. Newspaper headlines expose teenagers smoking in schools. It is no surprise then that some high schools screen their students for cigarettes. School administrators believe that tobacco consumption can lead the students to drug abuse.

When you undergo a smoking cessation program, you can use a continine test kit to confirm your freedom from nicotine and the effectiveness of the program itself. You will also find it useful if one of your quitting methods involves nicotine cleansing products. You can know if it really removes nicotine from your body.

You can easily purchase nicotine test kits from pharmacies, drug stores, or over the internet. The more common brands include NicAlert, TobacAlert, and COT.

Some say that nicotine can leave your body within 24 hours. So, why do you need nicotine tests then? A study by Exam & Profile Services in Wisconsin indicates that continine will appear in urine for weeks after smoking. Unlike other conventional methods such as gas chromatography and HPLC-mass spectrometry, you can use nicotine test kits at home. They are also cheap and simple to apply.

Source by Andy Lim

There are different types of rules and regulations that are laid down by companies act under which company has to be registered to carry on business activities in various parts of the globe. Every country has its own rule and regulation for company registration like company registration in UK, Canada, USA, Australia and other countries of the world, all have there own rules and regulation for company registration. There are many websites like companyregistrationindia that offers complete information regarding various types of company services in India and abroad. Services like company Registration, Company Formations Services, Company Incorporation Services, Company Incorporation in India, company trademark registration, Company Patent registration, Public limited Company Registration, Company Registration Law in India, Taxation and licensing Services, FCRA Registration, NBFC Registration in India, Vat Registration, IPO Listing and many more.

There are many companies in India that are operating through out the nation deals in various types of company law services and solutions like nbfc services. These types of services are for those companies which are deals in business of shares / bonds / debentures / loans and other advances acquisitions that are issued by government or by any other authority under the government. Registration for these companies plays an important role in order to gain interest of investors as there business is depend upon interest of investors towards shares, debentures, chit business, loans and insurance business. For NBFC one has to request to Reserve Bank of India by submitting an application where he or she requesting for granting NBFC certificate.

Apart from NBFC there is another company services that is offered by companyregistrationindia is Foreign Contribution Regulation Act – FCRA registration which is used to protect the rise in malpractices in the market if foreign contribution is not regulated in a proper manner. In every country it is regulated by the Ministry of home affairs of all the different countries. Apart from FCRA, here you will also find online VAT registration which is a type of sales tax levied on the sale of goods and services. VAT registration is depending upon sales turn over and other business parameters. VAT is kind of indirect tax which is paid by other person who actually bears the cost of the tax. Here you will get complete services of VAT registration along with VAT returns submissions. All these services are provided to you with step by step guided online process to register your business for VAT.

Source by Chaman Goyal

Being a contractor involves many unforeseen hazards while just performing your normal day-to-day operations. Some of these hazards are well understood and expected. Most are not. Either way, as a contractor and solely responsible for the outcome of your projects, you need to have the financial backing of a well-placed insurance policy. The various insurance policies available to all contractors vary and, in most cases, are required by law.

Contractors Insurance is a type of policy which is taken out by no other party except the contractors themselves. This type of insurance covers and protects the contractor from all types of incidences that might occur while performing the course of work to complete the assigned task at hand. The policy could include, but is not limited to, fire, theft, employee and agent injuries, etc. The insurance policy protects both your company and yourself, as a contractor, from lawsuits and allegations that could arise on the jobsite.

There are several professional fields that could benefit from the added protection of having Contractors Insurance coverage. Most of these fields involve the construction and demolition fields such as framers, plumbers, electricians, masons and the like.

Some of the often overlooked fields that could also use the added insurance coverage are landscapers, architects, computer technicians, designers, etc. Many of these fields undertake hazards that will cripple their clients, especially the computer technology fields. Without their computers, your clients couldn’t perform the simplest of day-to-day tasks. They could file a lawsuit against your company for all of their own downtime and loss of company revenue that could potentially ruin your business.

Consult with your insurance agent to see if your chosen profession could benefit from Contractors Insurance coverage. Make a list of all of your concerns and review them with your agent. They might know of a specific type of insurance that would be better suited to your profession.

There are many different kinds of Contractors Insurance that you could supply your company with. Some of these are known as General, Workers Compensation, Disability, Inland Marine or Bonds. Be sure to only pay for coverage that you will need to protect yourself.

If you are a single contractor that is working by yourself with no employees, review with your insurance agent if you really need to pay for Workers Compensation. The reason for this is because this type of insurance is strictly for the employees that you have on your payroll. Along the same lines of thinking, if you are a single person company with no employees, you might want to discuss having Disability Insurance on just yourself to prevent you from having no income if there is ever an accident and you cannot work.

General Insurance Coverage is fast becoming a normal staple in the construction field. The added protection for you coupled with the additional coverage it offers your client is well worth the money. Oftentimes it is a requirement in order to be awarded the job.

Source by Nasreen Haque

CHEAP PROFESSIONAL INDEMNITY INSURANCE: How Much Should I Pay?

The easy answer is ‘no more than you have to’. But before you rush into buying the first cheap professional indemnity insurance you find, it pays to do a little research
and make sure you’re comparing like with like. Which is not always as straightforward as it might seem?

Basically, the premiums people are charged depend on two sets of factors relating to the individual on the one hand and the broker on the other.

It’s a fact that some professions are viewed as more risky than others. So pi insurance for a structural engineer or an environmental consultant, even cheap pi insurance, is likely to be rather more expensive than it is for a graphic designer or a marketing consultant.

And rates will also vary depending on the size of your business and the territories in which you do business. So, if you run a consultancy with a high turnover and you regularly undertake work in, say, the USA where claims tend to be larger and more frequent, you will almost certainly have to pay more than a single professional who only ever works in the UK for UK clients.

Just as no two professionals are the same, no two brokers are either. And your apparently cheap professional indemnity may not turn out to have been such a bargain if the broker in question turns out to have been underwriting his business with insurance companies that can’t, or won’t, pay out in the event of a claim.

You should also make sure you’re clear about what the broker does and doesn’t include as standard. For example, some brokers offer retroactive cover within the price whilst others will charge for it on top of the advertised premium figure.

And don’t forget to look at the policies excess. What appears to be cheap pi insurance may turn out to be very expensive if you end up having to pay a very high excess in the event of a claim.

As you can see, there are a number of things to take into account when asking yourself how much you should actually pay if you’re in the market for cheap professional indemnity insurance. But a good place to start is right here.

Source by samanthaharley

Whiplash is a medical condition in which the soft tissues of the spine are stretched and strained after your body suffers physical trauma involving a sudden, forceful jerk movement. This is a condition most people suffer from after being in a car accident. The most common symptoms of whiplash include headaches, stiffness in the neck and the back of the head. These symptoms are visible a couple of days after the accident and take a couple of weeks to heal and return to normal. In the UK, there were over 250,000 reports of people suffering from whiplash due to car accidents. One tenth of those reported suffered permanent disabilities because of their whiplash injuries. Whiplash injury claims are necessary to be made, if you have been in a car accident that is not your fault and has caused you a whiplash injury. Car manufacturers invest a lot of time equipping vehicles with a number of safety measures. But in spite of that, it is not possible to avoid injury in a car accident.

If another party is to blame for the accident that has caused your whiplash injury, you will be due compensation for the injury you suffered. Compensation includes any medical expenses due to the whiplash injury caused by the car accident, damage to your vehicle caused by the car accident, expenses for the time taken off from work for medical leave and much more. If you feel you should be compensated and will need to make a whiplash injury claim you will need to collect evidence from the accident. If you have a camera, take pictures of the scene of the accident. Details from other people involved in the car accident should be noted, such as names, phone numbers, postal address, etc. The trouble with whiplash injuries are the fact that they are not apparent initially. Sometimes a whiplash injury affects the body a couple of days after the accident has occurred. It is important to take down all the details of the car accident even if you feel that you are not injured and fine.

Whiplash injury claims are made with an insurance company or a solicitor. An insurance company can compensate you for your whiplash injury according to the settlement agreement you make. A solicitor will distinguish the claims you make as general damages or special damages. General damages involve the compensation for any physical pain and suffering from whiplash injuries in a car accident. General damages are also claimed for whiplash injuries involving emotional pain or loss of enjoyment as a direct result. Psychological disorders triggered by the physical and mental trauma of a whiplash injury from a car accident can also be compensated. The amount of compensation given for general damages for whiplash injury claims depends on the details of your medical report, the extent of whiplash injury and the effect on your emotional state. It is essential that you are not caused any more setbacks after the trauma of a whiplash injury. In order to get the compensation you deserve, hire a solicitor to make your claim after a car accident.

Source by Ungira Pandit

Without any dental insurance or dental plans most americans would not get there routine check up. The cost of dental care can be so expensive. Now It’s easy to save money on quality dental care for you and your family with a discount dental plan. Enjoy discounts on checkups, cleanings, braces, root canals and more with select plans. For more information on these discount dental plans go to http://www.smileforless.us. Why it is very important to keep up on your routine dental visits.

Tooth decay is one of the most common of all disorders, second only to the common cold. It usually occurs in children and young adults but can affect any person. It is the most important cause of tooth loss in younger people. Plaque begins to accumulate on teeth within 20 minutes after eating (the time when most bacterial activity occurs). If this plaque is not removed thoroughly and routinely, tooth decay will not only begin, but flourish.

The acids in plaque dissolve the enamel surface of the tooth and create holes in the tooth (cavities). Cavities are usually painless until they grow very large inside the tooth and destroy the nerve and blood vessels in the tooth. If left untreated, a tooth abscess can develop. Untreated tooth decay also destroys the internal structures of the tooth (pulp) and ultimately causes the loss of the tooth.

Most cavities are discovered in the early stages during routine checkups. The surface of the tooth may be soft when probed with a sharp instrument. Pain may not be present until the advanced stages of tooth decay. Dental x-rays may show some cavities before they are visible to the eye.

Periodontal (gum) diseases, including gingivitis and periodontitis, are serious infections that, left untreated, can lead to tooth loss. The word periodontal literally means “around the tooth.” Periodontal disease is a chronic bacterial infection that affects the gums and bone supporting the teeth.

Periodontal disease can affect one tooth or many teeth. It begins when the bacteria in plaque (the sticky, colorless film that constantly forms on your teeth) causes the gums to become inflamed.

Now the benefits of these dental plans: Save 10% to 60% on most dental procedures.
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Source by Nancy

We may never think about it but having that insurance is important for us to have. You never know when something may happen to our pets and the costs of going to the vet can be very expensive. Having this type of insurance can also ensure that you make regular visits and avoid major expenses.

Find: Affordable Pet Insurance

Most people do not think that their pet needs some type of insurance covered the in reality you never know when something may happen to them. The next time you are actually that you may want to ask them if they have a recommendation for insurance that can cover your for a little pet.

Buy Cheap: Pet Insurance

It is more common now than it used to be for pet owners to get insurance. You may already know that one simple trip to your local veterinarian can cost you a pretty penny. If your animal has something major go wrong with them and they need surgery than the cost can escalate even higher. The best way to avoid this from happening is having a low cost affordable pet insurance option.

When searching for this type of insurance you want to compare prices so that you find something that fits within your budget. There many companies that now offer pet insurance so you’re sure to find that they are competitive.

Remember that getting pet insurance can ensure that if you’re animal gets sick you can take them to the vet without worrying that you do not have enough money to pay the bill. The time you spend finding an affordable and will pay off for you in the end.

Source by Bryan Burbank

Term insurance is a cheapest in all life insurance product which provides the financial protection at the uncertainties of the life. Aviva LifeShield Plus is one of the cheapest term insurance product available in the market offered by Aviva Life Insurance. It provides the sum assured to the beneficiary  in the event of death of the life assured during the term of the policy. It also has a provision of the double the sum assured in case of accidental death. This is a pure insurance product, hence there is no maturity benefit payable.

Aviva Lifeshield offers two riders-Aviva Dread Disease(DD) Rider and Accidental Death Benefit (ADB) Rider at a nominal extra cost. Aviva Dread Disease Rider provides the comprehensive protection against 18 dread diseases and also from Permanent Total Disability arising due to illness or accidents. Accidental Death benefit rider provides the double sum assured to the beneficiary in case of accidental death of the life assured. The policy also offers lower premium rates for women lives and rebate on sum assured of Rs.25 Lakh and above.

Premium paid for the policy is eligible for tax benefit under section 80C and benefit received under this policy is exempt from tax under section 10(10D) of the Income tax Act,1961. Premium paid for the riders is eligible for tax benefit under section 80D.

The policy is available for the people age group between 18 and 55 years. The maximum age at the maturity is 65 years. The policy term ranges from a minimum of 10 years to a maximum of 30 years. The minimum sum assured is Rs.10Lakh and no upper limit for the maximum sum assured. The premium can be paid by annual, half annual, quarterly and monthly mode. Single premium payment option is also available under this plan.

Source by Habibulla Antule

Highmark Blue Cross Blue Shield has stopped subsidizing premiums for some families in the Pennsylvania Children’s Health Insurance Program (CHIP). The insurance company said it will no longer subsidize care for children in families whose incomes fall between 200 percent and 300 percent of federal poverty guidelines.

As a result, families have seen their premiums skyrocket 78 percent since the change went into effect in October.

Highmark is one of four health insurers that administer the state’s program for uninsured children.

In an email to area legislators and others, Highmark offered the following explanation:

“I am writing to inform you of a recent decision made by Highmark regarding the Children’s Health Insurance Program (CHIP), which may affect some of your constituents. As you know, CHIP offers free and low-cost health insurance for eligible uninsured children from birth to age 19. The program, for which we serve as a contractor, offers a comprehensive benefit package that includes doctor visits, hospitalization, emergency room, diagnostic testing, vision, hearing, dental, and behavioral health benefits. Program eligibility is based on family size and gross annual income.
Over the years, Highmark has voluntarily supported CHIP and our local communities by paying a portion of Highmark CHIP member premiums each month to make it more affordable for families. However, we regret to inform you that effective October 1, 2009, Highmark will no longer provide voluntary premium subsidies and will begin charging the monthly CHIP rates approved by the Pennsylvania Insurance Department last February. Highmark is taking this step, in today’s challenging economic environment, because of increasing financial losses as a CHIP contractor due to unreimbursed administrative expenses by the state and increasing medical costs of people enrolled in the program.”

Pennsylvania state representative Jesse White called Highmark’s decision a “lowmark for the uninsured.”
Here is an excerpt from Rep. White’s blog:
“Highmark is discontinuing health insurance for needy children in their hour of greatest need because they need to make more money, and they blamed the government and the patients as the primary cause of their misfortunes. I can certainly understand; they only posted a profit of $94 million last year, and their surplus sits at a paltry $3.1 billion. It’s a miracle they can still afford to light up that enormous building in downtown Pittsburgh.
“So can someone remind me again exactly how these insurance conglomerates came to be known as the “good guys” in the health care debate?”

Source by Rick Lewis

Humana health insurance or Best Health Insurance Companies

The best health insurance company can copy found by a unabbreviated research into the records of past policyholders,Visit here http://easy-health-insurance-quotes.blogspot.com

 financial data, also options of physicians and hospitals. The best health insurance companies bequeath again offer their policyholders lower deductibles for higher coverage amounts, with lower premium rates. If this sounds too befitting to imitate apt; stay assured, with a little research, these options can be found. The best providers or policies besides coverage consign be trying to impel these options available to all folks; one avenue is through the use of corral health plans.Group plans allow better rates on more coverage over of the insert of enrollees an manager burden bring leisure activity the plan. better corporations own the best deals and discounts from the best health insurance companies because of the volume of sales they deliver. The unrivaled health insurance company because small businesses will focus on other cash options (continuance costs are certainly important), the type besides figure of coverage available for a fair price takes precedence. These organizations will present many types of physicians, include a pharmacy plan, also also quote discounts on over-the-counter pharmacy related products.

Good providers also know how important preventative health is, and will offer discounts on gym memberships or other fitness and board related commodities. These types of preventative measures keep the costs for the best health insurance company secondary because less people are falling ill to physical ailments. Those that are interested string finding over information on the best health insurance companies should check hide the BBB or sharpened power Bureau or with Consumer Reports for ratings from past and name clients, customers and policyholders.

Christians in appetite of medical coverage should research this subject, but they should and pray about which troop to choose. Sometimes Christians find right hard to clasp coverage or policies from the best health insurance companies because they may feel that material shows their doubt direction God’s ability to set out and lock up for them. duration this is a producing idea, solid is also important to realize that God has left the decisions on what to grasp with the money he has given, to the people. Statistics show that the purchase of medical coverage, especially from the best health insurance company is a wise pecuniary decision for future physical problems also medical expenses. “Through actuality is a house builded; further by understanding bodily is established.” (Proverbs 24:3)Visit here http://easy-health-insurance-quotes.blogspot.com

Source by Pinki Gupta

Outsource medical billing services to offshore medical billing company and get benefits of offshore medical coding and billing services. We are expert in accurate work and in providing tailor made medical coding and billing solutions. Offshore Medical Billing has excellent techniques and highly skilled professional medical coders. Medical billing and coding services is a very demanding and important for small business.

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We have particular skill in medical transcription, medical billing and coding services. Outsourcing medical billing may not always translate directly into cost savings; however it can enhance performance and quality. Medical billing company can handle medical billing claims from original submission to re-imbursement; medical billing partner will file all necessary appeals to get your claim handled by the carrier.

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Offshore medical billing and coding company is well-known in medical industry in UK. Our company also covers medical insurance processing services in UK, USA and Canada country.

To get medical billing and coding services, please contact medical billing experts now!!! Get a Free quote at: http://www.offshoremedicalbilling.com/contact.php OR E-mail us at: info@offshoremedicalbilling.com

Source by Thakar Upendra-SEO

Don’t Tempt Fate:  Buy a Workers’ Comp Policy

Thousands of Texas employers and their employees operate without an important safety net. Texas is the only state allowing private employers to opt out of the workers’ compensation system. And, according to the Texas Department of Insurance, about one-third are “non-subscribers” These employers think they have found a cheap substitute for workers’ compensation in the form of occupational accident (OCC/ACC) policies.

The National Federation of Independent Business/Texas, (NFIB), specializing in protecting the interests of the state’s small-business owners for many years, does not advise our members to choose an OCC/ACC policy over a workers’ compensation policy. The risk is simply too high.

Under Texas law, workers’ compensation benefits are the injured worker’s sole source of recovery from an employer who carries workers’ compensation coverage. That means that in most cases, injured workers cannot sue their employer for pain and suffering damages resulting from workplace injuries. Nonsubscribers do not have the same legal protection, leaving them vulnerable to potentially costly jury verdicts.

In 2006, a Houston construction worker fell 20 feet from a roof and was paralyzed. He sued his employer, claiming the employer did not provide fall protection equipment or safety training. In July 2009, a Harris County district court issued a $20 million verdict in favor of the worker.  An OCC/ACC policy would have provided minimal coverage in this situation.  The verdict would have been unlikely for an employer with a workers’ compensation policy.  For information on laws in your state http://reduceyourworkerscomp.com//workers-compensation-state-laws-and-regulations.php

Setting aside he potential for losing a large lawsuit, workers’ compensation insurance also takes care of your employees if they are injured on the job. Your policy will pay for their related medical expenses and replace a portion of their lost wages, for life if necessary.  OCC/ACC policies, on the other hand, typically put a cap on injured workers’ taxable benefits. Furthermore, workers’ compensation wage-replacement benefits are not taxable.  OCC/ACC benefits are.

Some employers think OCC/ACC policies are a good option for typical workplace injuries. But what about non-typical injuries?  Consider an OCC/ACC policy with a $1 million coverage limit. That’s probably enough to cover the average slip, trip and fall injury. Quadriplegics, paraplegics and other seriously injured workers, however, could blow through that $1 million in a hurry. You could be on the hook for their remaining medical bills, with the potential of approaching the $10 million mark. If the accident involves more than one employee, you’ll reach the $1 million limit even faster.

You might reduce your premiums by choosing an OCC/ACC policy over a workers’ compensation policy, but consider this:  Will you have enough money in your budget to cover a catastrophic injury you can’t possibly foresee?

Of course, in business, the bottom line is the bottom line. Fortunately, Texas workers’ comp rates fell 30% between 2003 and 2008, according to the Texas Department of Insurance. Some carriers offer the opportunity for employers to further lower their premium by joining a group discount program and enrolling in a workers’ compensation health care network. (workersxzcompxzkit)    

By and large, Texas workplaces are safe. Private employers reported 69,320 nonfatal occupational injuries and illnesses involving days away from work in 2007, according to the U.S. Bureau of Labor Statistics. That’s a 4.6% decrease from the 72,660 reported cases in 2006.  Still, no one can predict when a workplace injury will happen or how much it will cost. Workers’ compensation insurance provides a measure of protection that can help ensure a business stays in business.

Do not use this information without independent verification. All state laws vary. You should consult with your insurance broker about workers’ comp issues.

©2009 Amaxx Risk Solutions, Inc. All rights reserved under International Copyright Law. If you would like permission to reprint this material, contact Info@WorkersCompKit.com

Source by Will Newton