Stretching Your Health Care Dollars in Florida by Peter Joseph
[ 2005-12-01 ]
Employers nationwide face critical decisions about their health benefits program. Should they continue funding their employees’ health benefits at the same contribution level as in the past? Should they keep the same level of benefits as before? What can be done to minimize costs and maximize benefits?
Guiding Principles in Florida by Linda Jackson Jones
[ 2005-12-01 ]
Helping employees in Florida get answers to their personal health benefits questions is a common responsibility for benefit administrators (BAs).
Start Spreading the News in Florida by Linda Jackson Jones
[ 2005-12-01 ]
For most companies in Florida, open enrollment is a 30-day period in which employees have the opportunity to select their benefits for the next year.
Educated Choice in Florida by Cathy Aguirre
[ 2005-12-01 ]
How to control health care costs in Florida continues to dominate discussions among benefit administrators, chief financial officers, CEOs, insurance brokers and health benefit companies. When you lower your costs, your employees often react by thinking they will receive fewer benefits.
Worksite Wellness in Florida by Cathy Aguirre
[ 2005-12-01 ]
Employers in Florida increasingly are realizing the value that worksite wellness programs deliver as an effective tool to improve employee health, increase productivity, reduce absenteeism and lower health care costs.
Fixing Health Care in Florida by John Cantillo
[ 2005-12-01 ]
The cost of health insurance in florida continues to climb unabated. As the number of uninsured in America swells to 45 million people, many look to our political leaders for answers and relief.
Health Care Costs Rising in Florida by Peter Joseph
[ 2005-12-01 ]
The cost of providing employees with health insurance coverage in Florida continues to increase at a double-digit rate. We’ve read a lot about cost drivers in health care — exorbitant hospital charges, rising prescription drug costs, expenses associated with developing new technologies and treatments, an aging population and litigation. Nurturing these factors is an environment in which the demand for health care seems to be increasing.
Financing Solution in Florida by Stephen Russell
[ 2005-12-01 ]
In this era of creative financing and cost management tools, many employers in Florida are looking for new ways to help employees finance their health care expenses.
Resolve to Get Involved by Peter Joseph
[ 2005-12-01 ]
As you review your goals for the New Year, include engaging employees in their health care decisions on your list. Educating employees on their part in medical care can lead to increased quality of life and productivity, and decreased sick leave and health care expense.
Understanding Different Types of Auto Insurance by Marcus Dubois 
[ 2005-11-25 ]
Auto Insurance policies can be divided into different categories according to the coverage they provide. Broadly speaking there are four kinds of policies known as Collision Insurance.
What the insurance companies aren't telling you about your premium by Marcus Dubois
[ 2005-11-25 ]
Although insurance companies offer peace of mind to the policy holders, it is important for all customers to remember that they are for profit companies, and accordingly your own personal interest is not their number one priority
Insurance for Newbies by Marcus Dubois
[ 2005-11-25 ]
Insurance is the coverage offered by an insurance company to an individual or an organization against a specified loss in return for the earlier premiums received from the policy holder
The differences between regular auto insurance and insurance bought online by Marcus Dubois
[ 2005-11-25 ]
The unlimited advantages that the Internet has brought to our lives have even transformed the way we go about availing something as routine as auto insurance. With the option of applying for auto insurance online, car owners are spared a tremendous amount of time,
The 411 on different types of auto insurance by Marcus Dubois
[ 2005-11-25 ]
The basic reason why anyone requires auto insurance is for protection for both you and your car. Depending on your location you have a number of options to choose from for the type of auto insurance you require.
Life Insurance: Term or Universal by Ron King
[ 2005-11-25 ]
Before deciding between term and universal coverage, consumers need to determine whether or not life insurance is actually needed. If so, term provides coverage for a set period of time at a lower cost. Universal offers long term coverage with a built in savings plan.
Do I need Health Insurance by Marcus Dubois
[ 2005-11-25 ]
If you think you do not need Health Insurance; then think again. The unpredictable nature of life is itself a valid reason to own a health insurance. Life is filled with risks
Life Insurance: Is it Right for You by Marcus Dubois
[ 2005-11-25 ]
Though Life Insurance is neither an investment plan nor a savings scheme, it still plays a significant role in the financial portfolio of most individuals
The benefits and drawbacks of buying your auto insurance online by Marcus Dubois
[ 2005-11-25 ]
With the Internet providing great shopping experience to most online buyers, people are now willing to buy more than just books and gifts on the net.
Auto Insurance ?�� Which Type Is Right For You by Joseph Kenny
[ 2005-11-25 ]
Auto insurance is a form of insurance available to consumers who own cars, trucks and other vehicles. It covers the insured party against the risks involved in owning or driving a vehicle
Life Insurance and Life Assurance are not the same! by Michael Challiner
[ 2005-11-21 ]
Life Insurance and Life Assurance are different. Most people assume they are one and the same product and their online searches reflect this. What are the differences and what are they used for? This article provides an explanation for the layman.
Life Insurance and the Law. A layman's introduction. by Michael Challiner
[ 2005-11-21 ]
This article is an introduction to the regulatory and legal aspects of buying Life Insurance which the layman should find interesting and useful. Special reference is made to buying life insurance on the Internet.
Car Insurance. How can you lower your premiums by Michael Challiner
[ 2005-11-21 ]
A wide range of aspects affect the cost of your car insurance - some you can influence and some you can't. This article introduces the reader to 9 aspects within their control and recommeds the Internet as a way of getting an overall discount.
Senior HealthCare on the Net by william pritchett
[ 2005-11-18 ]
In 1984, William Pritchett, Jr. developed the first Home Health Care plan of its kind, which revolutionized the insurance industry in this market.
The program was developed to allow seniors to recuperate in the comfort of their own ho.me as an alternative to assisted living facilities. This idea has grown into an entire industry. William Pritchett quickly became the leader in this cutting edge senior care product
Using The ?�?Autograph?�� To Get Cheap Motor Insurance by Joseph Kenny
[ 2005-11-17 ]
What if your motor insurance provider told you that you could get up to 25 percent discounted from your next car insurance policy simply by showing them that you were a safe driver? Introducing the new 'Autograph' device that will help distinguish the good and bad drivers..
Insurance Rate Methods by Joseph Kenny
[ 2005-11-16 ]
The price of insurance depends ultimately on the risk the insurer is taking on on behalf of the customer. Simply put, this will depend on the chance of the insured event occurring, and the likely cost of the outcome. The way insurers calculate this risk, and quantify the amount of the premium, is through the use of what is known as actuarial science.
Life Insurance ?�� Medical history increases the cost for 66% of applicants by Michael Challiner
[ 2005-11-15 ]
Life companies keep their initial quoted prices low by being choosey on who they accept on standard terms. Having made a formal application, two thirds of applicants will face a loaded premium. This article explains why and what the shopper can do about it – choose an online broker!
Offset Mortgages. A dream for well off homeowners. by Michael Challiner
[ 2005-11-10 ]
Offset mortgages are set to become hugely popular, especially amongst higher tax payers. How do they work, what’s the benefit and is there a catch? This article investigates.
Critical Illness Insurance. Do you really need it, or is it a waste of time by Michael Challiner
[ 2005-11-10 ]
There is a 1 in 5 chance that a man will suffer a long-term critical illness before his normal retirement age. So why isn’t critical illness insurance more popular? This article investigates the reasons and reinforces the importance of this form of insurance.
Life Insurance - Helpful Tips For Getting A Cost Effective Policy by Dean Shainin
[ 2005-11-03 ]
Many things factor in with getting a cost effective life insurance quote and policy. It is wise to take some time out and do some important research first. With online access, it is much easier today than it used to be. There are many affordable life insurance offers on the Internet that would greatly benefit the beneficiaries we love. Taking the time out to educate yourself can be well worth your while.
Buying Life Insurance online ?�� is it a really good idea by Michael Challiner
[ 2005-11-02 ]
You’ll find the cheapest prices for life insurance on the Internet. But are there hidden complications and does low price come at the expense of quality? The Author explains how it is done and concludes that buying online certainly is a good idea.
Buying Life Insurance, One tip to save you ?�thousands by Michael Challiner
[ 2005-11-02 ]
A top life insurance tip to save some people 40% tax and ensure their policy pays out with the minimum of fuss. Only applies to the UK.
Life Insurance - Money Saving Top Tips by Michael Challiner
[ 2005-10-28 ]
Buying life insurance online is easy but this article provides 5 money saving tips that the man in the street would otherwise be unaware of. Essential reading.
Term Life Insurance: The differences between Term and Whole Life policies by Dan Johnson
[ 2005-10-27 ]
Life Insurance quite generally is a policy whereby you pay a company a premium so that if you die while covered your descendents receive financial benefits.
Wake Up And Smell The Smoke by William J Archambault Jr
[ 2005-10-26 ]
You’ve worked too hard creating equity to lose it through the careless acts of a tenet. Saturday’s fire was caused by an octogenarian on oxygen who had to have a cigarette before getting out of bed.`
Landlord Insurance for beginners by Stephen Robert Richard Hill
[ 2005-10-24 ]
Landlord insurance, also commonly known, as buy to let insurance is something a landlord should begin to consider even as early as considering the purchase of a property. Failure to put in place insurance on a property could leave you with nothing to show for your money should something go wrong. In some cases it can be extremely difficult or highly expensive to put insurance in place for a property and for this reason it is important to have a structural and local survey for the property and look for appropriate insurance policies before purchasing the property. Failure to do so could result in inflated insurance premiums, which ultimately could severely impact your profitability as a landlord.
Take Motorcycle Saddles into Consideration by Maricon Williams
[ 2005-10-19 ]
Imagine the long hours of journey while mounted on your trusted bike. Just anybody can feel discomfort and annoyance while sitting on a hard and painful saddle. It does not only give less protection it can also make your butt sore!
Factors that Change the Price of Your Car Insurance Quote by Stacey Zimmerman
[ 2005-09-24 ]
When looking for a good car insurance quote that combines the coverage you need with a good, affordable cost there are many factors that will culminate in the price of your car insurance quote.
Are you suffering from payment protection overload? by Rachel Lane
[ 2005-09-16 ]
There are so many types of payment protection insurance around that it can be difficult to know where to start. This article provides a brief summary of the different types of payment protection insurance and how they can help you.
Critical illness insurance ?�� critical or ridicule? by Rachel Lane
[ 2005-09-13 ]
Two thirds of the population suffer a critical illness at some point in their life, so is it worth taking out financial protection for this?
Which Car Should You Own To Keep Your Insurance by Jon Register
[ 2005-07-31 ]
Do you consider the cost of insurance before you buy your dream car? You should. The Highway Loss Data Institute analyzes the cost to insurance companies from theft, collision, and injury claims as they relate to cars. They look at the color of the cars, how many doors they have, and even break them down type.
Factors That Affect Your Car Insurance Premium by Jon Register
[ 2005-07-31 ]
Many factors affect the premium you will pay for auto insurance.Each is a statistically based risk for a specific population. The higher the risk associated with a person, the more he or she is likely to pay for coverage. We have elaborated on some of the risk factors below, but there are numerous others, including driver's gender, miles driven per year, purpose for using the vehicle (commuting to work, using for work, leisure only), etc.
Seven Steps to Filing Your Car Insurance Claim by Jon Register
[ 2005-07-31 ]
Having even a teeny-tiny car accident can be one of life's least enjoyable moments. However, accidents happen, and sooner or later, we all have the experience of meeting one of our fellow road travelers up close and personal. Using the following seven steps to filing your claim will help you get over this speed bump as smoothly as possible.
So here's a question for you. If you live in a big city like Detroit, do you feel pressured to move out if the cost of insuring your vehicle is too high? State Senator Virgil Smith, whose Democrat credentials are pure, suggests Detroiters face tough decisions when the premium rates drop as they move from the inner city ZIP codes, to the suburbs to the smaller towns just a short distance away. The difference can be two or three times the rate. So how do citizens decide? Well, judging by the statistics, some 17% decide to drive without insurance. Yes, this breaks the law but, when the cost of complying with the law is unreasonably high and it's not economic to sell a home at the bottom of the market to move outside the city, what's a driver to do?
So the good Senator is proposing a bill to change the law. It all stems from the no-fault system used by Michigan. This is one of these great theories that can work well when the culture is supportive, but gets expensive when the culture is more selfish. In foreign countries where there's a socialist approach to life, people support a system in which they insure themselves against loss and injury. Rather than fight each other in courts, arguing over who was at fault, everyone claims on their own policies and gets on with life. In the US, the number of no-fault states is falling. The main reason is cost. Michigan mandates its drivers to carry an unlimited amount of medical cover. With everything costing more from the humble aspirin to the cost of major surgery and rehabilitation to mend broken bodies, the premium rates have spiraled out of control.
Virgil Smith is proposing to introduce a stripped-down policy for Detroiters who earn less than $30,000 a year, drive a low-cost vehicle and have never had a serious accident. He estimates that eligible drivers who buy this basic cover will cut their auto insurance rates by half. The problem, however, is that capping medical claims, say to $75,000, may work very unfairly. Whatever limit is set, treatment bills could quickly use up the amount. What then happens to the victim? In a no-fault state, the "victim" is not supposed to sue the driver "at fault" to recover additional costs. Nevertheless, this does seem a good first step to reform. Indeed, anything encouraging low-paid drivers to buy insurance improves the situation for everyone. As it stands, law-abiding motorists pay more for their cover. If more drivers pay into the no-fault fund, there's more money to pay the medical expenses. Over time, this drives down the premium rates for those in the big cities like Detroit - the most expensive city in the US for vehicle insurance. It also forces an increase in the rates for those who live in smaller cities, but that's why this is to be debated by lawmakers representing the whole state. If the politicians can forget their party ideology for a short time and reform the law for the benefit of all, we could see this test program rolled out across the state and cheap auto insurance for most drivers below the poverty line.
About the author:
With over 10 years working as a professional journalist David Mayer has contributed many interesting materials tohttp://www.autogismo.com/quotes-for-detroit-to-fall.html that many users around the globe regard as a benchmark for professional writing.
Article Source: http://www.Free-Articles-Zone.com
Article tags: insurance
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