Category: General Article

Are You Leaving Health Insurance Money on the Table? . . Top 10 Money-wasters for Group Health Insurance Benefits

As an employer or a participant you might be leaving money on the table by not properly taking advantage of certain features and benefits of your company’s health insurance. As a licensed Consultant and Group Benefits Brokerage company, with clients across the country, we are successful in reducing group benefit expenses because of our experience and our intimate knowledge of the factors used in determining pricing. This top 10 list should be helpful in increasing your insurance knowledge, maximizing your plan benefits and possibly reducing your company’s expenses.

Background and Overview:

For most companies, group benefit plans, specifically medical benefits, are among the highest non-producing company expenses. Unlike other expenses, medical benefits hits home since it affects our employees and our families personally. Therefore, it is of paramount concern that the CFO and Director of Human Resources take into consideration the needs of their employees, the needs of their employees’ families, pricing, and specific benefits being offered.

The ability for an employee or an employee’s family member to use a favorite physician such as a Pediatrician or an OB/GYN is often affected by this decision. The ability for employees and their families to use specialized treatment centers in the event of a catastrophic medical situation also lies in the balance of the Health Benefits decision. Quality and access to medical care varies from insurance carrier to insurance carrier.

Staffing and Retention:

The primary purpose of Group Benefits as a whole as it relates to employers is to attract and retain employees. It goes without saying that the broader the benefits, the easier it would be to attract and retain a higher quality workforce.

As a reciprocal, industries that utilize high turn-over positions with minimum-wage employees may not necessarily choose to utilize the highest quality insurance policies to attract and retain employees. Employee pools may be abundant and the bottom-line total expenses may be more important than the quality and level of care offered.

With that said, let us share with you some money-saving ideas and under-utilized features of your medical benefits. Keep in mind that some items may relate to your current coverage while others suggest a change in coverage or a change in features of your plans.

The following represents our list of the top 10 frequently made mistakes as it relates to Group Health Insurance. This list is in no particular order. Each item may or may not apply to your current situation.

Top 10 Medical Benefits Mistakes:

1. Not Catching Medical Problems Early

To use a few cliché’s, “a stitch in time saves nine” or “prevention is the best medicine”, or “kill the monster while it is tiny.” I am not sure if the last one is a main-stream cliché but it does hammer home the point that prevention is often the best medicine. Early detection is the second best course of treatment. Many doctors argue that colon cancer is extremely treatable if it is caught in the earliest stages. If the cancer is not detected early …

Is comprehensive car insurance better?

Congratulations for your new car! Now, the first step after buying a car is to get the car insurance done since it is compulsory to have the car insurance by law and also because it will cover your car against all mishaps and keep you and your car safe. Choosing a car insurance policy may be a tough decision for your, which policy to choose, which company to choose, what coverage should be taken Third Party v/s Comprehensive etc. etc. Here we help you with choosing the right policy for your car.

There are basically two type’s insurance policies. One is third party cover and the other is comprehensive car insurance. Let us compare Third Party v/s Comprehensive to help you identify which one is better.

Third Party

This type of car insurance policy gives coverage against third party damage, injury and even death. This is a minimum have policy in India by law under the Motor Vehicles Act, 1988. This covers and protect the people injured by your four wheeler. However, this policy only covers the personal injury to the people who were found injured by your car accident, but does not cover any damage done to your car or someone else’s car.

Comprehensive Car insurance

A comprehensive car insurance policy covers your four wheeler against the damages done to your car due to accident, natural calamity, theft, fire, and third party. This kind of insurance policy includes the third party coverage too. This type of policy is more popular and is preferred by the people because it gives more coverage. If you compare Third Party v/s Comprehensive, this policy will cost you more than the third party cover but since it offers end-to-end coverage, it will ensure a lesser burden on you at the time of mishap.

If we compare Third Party v/s Comprehensive, there are many benefits of buying a comprehensive car insurance policy, such as:

  • This kind of policy gives you protection against the natural calamities such as hurricane, cyclone, tornado, earthquake, flood If your four wheeler has fallen prey to the result of one of these natural disasters, you don’t have to worry as the insurance company will bear your losses.

  • Sometimes when your four wheeler is parked under a tree or under a lamp post and the damage is caused due to falling objects like a heavy fruit or electrical appliance, it may seriously damage your car. The comprehensive car insurance policy gives you a coverage against the falling objects.

  • The city may experience some terrorist activities and riots, and under these circumstances the damage may be done to your car. This kind of policy will give you coverage against civil disturbances and fire etc.

  • Theft is the most common mishap and one of the prime reasons to buy a car insurance other than the legal reason. Nothing can be more heart breaking that losing out something that is so expensive. But with a comprehensive car insurance policy, you just don’t

Los Angeles auto accident attorney discusses ways to get the best compensation

Los Angeles and Orange County CA are two of the busiest commercial areas not only of California but of the entire country. The number of cars that are driven in these two places is mind boggling. As a result, although no one wants it, the number of auto accidents is quite high. From minor scrapes to major injuries – physical traumas keep happening. For the best in auto accident compensation, consider a Los Angeles auto accident attorney or an Orange County auto accident lawyer.

Auto accidents can happen for many reasons. They can happen due to the fault of the injured driver, the fault of others or due to manufacturing defects. In the first case, when the accident happens as a result of the person who has been injured, then there is really no likelihood of receiving compensation. Any competent Los Angeles auto accident attorney will tell you that. Stay away from the lawyer that makes huge promises and delivers none.

In cases where an auto accident is due to the fault of someone else or due to a manufacturing defect, there is ample chance of receiving compensation. However, retaining the services of just any lawyer is not a good solution.  Instead consider a measured approach to selecting a lawyer.

Selection of a Los Angeles auto accident attorney or an Orange County auto accident lawyer is best made by first examining their credentials, experience and web sites.  Below are several links to important information about lawyers and how to evaluate and examine them.  While most attorneys will say they would have handled auto cases by the dozen, and hence, their expertise is something you can count on, you need to do a bit more checking.  Look at the web sites of the Orange County auto accident lawyer you are thinking of hiring.  Do they have a track record of accident recovery in auto accidents?  Do they offer information about auto accident claims?  Are they willing to share with you the secrets they have learned about auto accident recovery and give free advice?  Do they offer free resources for you to use to help you while you are deciding to hire an attorney?
When evaluating a Los Angeles auto accident attorney, do you see their staff as assistive or helpful? Has the attorney written any books or articles on the subject of auto accidents? Is the office willing to offer you a free conversation without the pressure of hiring an attorney?  If your answer is no, then look at the example links below.

Los Angeles auto accident attorney will have an impressive client list. You can check their profiles on the Internet and with the state bar. An other important  advantage with a specialized Orange County auto accident lawyer is that they will have the resources to access all the necessary data and services you need related to the accident. For any lawyer to succeed, access to resources is very important.

Auto accidents not only cause physical trauma but psychological trauma …

Avila Offers Quiet Ca Beach Escape

If you’re looking or that quiet getaway on the Central California coast, consider Avila Beach, an idyllic little stretch of sand with comfortable accommodations nearby. Not that children would be unwelcome – Avila is a playground for all ages. But the new Avila Village Inn has now brought this destination up a notch or two for those seeking a special romantic beach getaway. The inn has pulled out all the stops to attract couples who want to pamper themselves as much as enjoy the natural beauties of the Central California coastline. About seven miles north of Pismo Beach the sign directs Highway 101 travelers to Avila Beach by way of a winding road that follows San Luis Creek down into a wooded ravine. About a mile before you get to the beach is Avila Village, a new development with condos, a few shops and, adjacent to the creek, the Avila Village Inn. While not actually on the beach, the inn’s wooded setting gives the property a quiet, reclusive feel. The developers of the hotel use the word “refined” to describe the many details and amenities that have been built into the 30 guest rooms. And our impression was that, indeed, this is one of those inns where you enjoy tasting the luxurious accommodations as much as experiencing the beach and other natural surroundings. This property has incorporated many of the design features now seen in newer upscale homes. Wet bars, granite countertops and fireplaces are in each room, while marble is used extensively throughout the shower and bathroom area. The pillow-top king beds both look and feel comfortable with down pillows, blankets and duvets. We especially enjoyed the 103-degree private spa waiting for us on our creekside balcony. If you’re so inclined, each room or suite has its own DVD player and guests are encouraged to check out free DVDs from the front desk. Those who are a little more active will welcome the fitness center that is just across the parking lot from the inn – perfect for working off those snacks, pastries and treats that are provided guests in both a welcoming basket and a breakfast basket the next day. Other details like tasteful art, mission-style furniture and a grand, sweeping staircase in the lobby area all add up to a sense of privilege – which, of course, is what it’s all about when you spend significant money to enjoy quality time with your loved one. A couple of minutes down the road from the inn is Avila Beach, a half-mile long beach area that is growing in popularity because of its more exclusive, almost Mediterranean feel. A few older hotels are situated near the beach, adjacent to some shops that are sprinkled throughout the tiny “downtown” area. There is evidence of new construction that we hear was made necessary from some oil leaks in the area; but the beach itself and the businesses along the beach seem unaffected. Avila Beach has three piers, including two that are …

San Juan Capistrano Dirt Bike Riders Motorcycle Accident Case Begins

A jury in a Santa Ana courtroom will begin to hear opening statements soon from both attorneys in a case that threatens to become a highly emotional one – involving negligence of the city on the one hand, and parental supervision, or the lack thereof, on the other.

Attorneys for both sides of a motorcycle accident case have begun to present opening arguments before prospective jurors in the case involving two teenage San Juan Capistrano boys. In March 30, 2005, the two teenagers, Trenton Merrill, then a 14-year-old, and Scott Agostini, then 13 years of age were riding a dirt bike. Merrill was the passenger. The pair crossed San Juan Capistrano Creek Road, and crashed into a BMW. Both suffered injuries in the motorcycle accident, but it was Merrill who took the brunt of the impact. He spent several weeks in the hospital undergoing a number of surgeries before his leg had to be amputated. Agostini was discharged a week after the accident with no permanent damage. The driver of the BMW, Emily Pastore, was not injured in the accident.

In the days after the motorcycle accident, Merrill and his family sued the city, as well as a city landscaping contractor. The city on its part, sued both Agostini and Pastore, but last week dropped Pastore from the suit.

In opening remarks, the attorney for the city based his arguments on the young boys and their temperament. According to him, the boys had been encouraged to take up the sport of motocross racing by their parents, and were prone to using the neighborhood as their own private motocross-racing track. He rejected outright the notion that these boys were naïve or innocent victims in this tragedy, and said that they were already semi-pro motocross racers by the time of the motorcycle accident. And this when the boys were just 13 and 14 years old!

In his opening remarks, the attorney for the Merrills, argued that the boys had absolutely no time to see Pastore’s BMW as they cut across the intersection because an overgrowth of heavy vegetation created a blind intersection, in the center of the median. Merrill, he contends, had been forced to lose his leg and let go of his dreams, because of the negligence of the San Juan Capistrano city that failed to make the intersection safe to use for riders. There was no record of any maintenance work done at the site of the accident by the landscape contractor. There were no warning signs that could have warned the boys. There was nothing but green brush that blocked the boy’s view, and led to the motorcycle accident.

The case has taken on emotional tones, especially with those who believe that the boys’ parents were being irresponsible in letting them ride dirt bikes in the streets. The attorney for the city actually used the words, “self centered”, and “disobedient.” We’re still a while away from hearing all the facts in this case, but there doesn’t seem to be …