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- A National Pharmacare System - Background
- This paper is about pharmacare in Canada. The Canada Health Act in its current form requires only that drugs provided during an inpatient hospital stay be provided free of charge to the patient. Drugs that are prescribed on an ambulatory basis do not have to be provided free under the...
- White papers
- How To Cope With The Health-Insurance Blues
- There's little good news for small-business owners, or for individuals who have to find and pay for their own coverage. Surveys indicate that health-insurance premiums will continue to increase by double-digit percentages through 2005. At the same time, prospects remain dim for any legislation that might ease the burden on...
- White papers
- What is in a Standard Homeowners Insurance Policy?
- A standard homeowner's insurance policy includes four essential types of coverage. They include coverage for the structure of home, coverage for personal belongings, liability protection, additional living expenses in the event a person is temporarily unable to live in his home because of a fire or other insured disaster. The...
- White papers
- Why the Best Speeches Are Stories
- The media is buzzing today with talk of last night's Iowa caucuses. The coverage includes the obligatory handicapping of who's up and who's down, but nearly every political pundit and blogger also has something to say about the candidates' speeches. Whether you're particularly interested in politics or not, the...
- Blog posts 2008-01-04
- Severe Medical Conditions and Loss of Health Insurance Coverage: Evidence From the Health and Retirement Study
- Illness increases individuals' demand for health insurance, but may also place them at risk of losing coverage. While public insurance and price restrictions in private markets aim to reduce this risk, little is known about whether severe medical conditions affect the likelihood of losing coverage. This issue is explored in...
- White papers 2005-11-12
- Fundamentals of Underwriting in the Nongroup Health Insurance Market: Access to Coverage and Options for Reform
- Although the majority of Americans with health insurance obtain coverage through their employers, many individuals must negotiate the nongroup insurance market alone. Insurers use a process called medical underwriting to identify applicants with current or recent medical problems. Because these applicants are likely to cost the insurer more in claims...
- White papers 2005-04-13
- Health Benefits in Retirement: Set for Extinction?
- Nearly 18 million people rely on employer-provided retiree health benefits to fill gaps in Medicare's coverage or to provide basic insurance until they reach Medicare age. Rising costs have led many employers to limit benefits, require participants to pay a larger share of the costs, or stop offering coverage at...
- White papers 2005-02-08
- Employer Drug Coverage for Retirees: An Updated Medicare Roadmap
- CMS, the federal agency responsible for implementing recent legislation instituting new prescription drug coverage for Medicare beneficiaries, has issued final guidance that fills in many of the holes from the proposed regulation published last August. Although some questions remain, employers that sponsor retiree drug plans now have most of the...
- White papers 2005-01-28
- Patterns of Individual Health Insurance Coverage, 1996-2000
- Information about patterns of individual health insurance coverage is limited. Knowledge gaps include the extent to which individual insurance provides transitional versus long-term coverage and participants' insurance status before and after being covered by an individual plan. This document uses data from the 1996-2000 Survey of Income and Program Participation...
- White papers 2004-12-01
- 2004 Market Analysis and Executive Summary: Temporary Healthcare Staffing
- Following years of double-digit growth, many healthcare staffing firms suffered setbacks in 2003. Demand for temporary coverage in nursing, nurse anesthetists, and imaging technologists either decreased or remained flat. Demand for locum tenens coverage, however, remained strong. Demand for temporary coverage fell below past levels in 2003, for the most...
- White papers 2004-10-11
- Health Benefits in 2004: Four Years of Double-Digit Premium Increases Take Their Toll on Coverage
- This paper reports changes in employer-based insurance during the past year and since 2001. From spring 2003 to spring 2004, premiums increased 11.2 percent (compared with 13.9 percent last year). Since 2001, premiums have increased 59 percent, employee contributions have grown by 57 percent for single coverage and 49 percent...
- White papers 2004-10-01
- Home Replacement Cost
- The nation's housing market boom that began in the mid-1990s may have property owners wondering whether their homeowners insurance has kept pace with the value of their homes. Most homeowner's policies have at least replacement cost coverage, which compensates for the actual cost of repairing or replacing the property. Replacement-guarantee...
- White papers 2004-04-28
- Employer-Sponsored Disability Insurance: Where Are the Gaps in Coverage?
- A great deal of public policy attention focuses on workers without health insurance coverage. Coverage by disability insurance - that is, insurance that replaces workers' wages in the event of a disability - receives far less attention. This paper analyzes trends in rates of coverage by private employer-sponsored disability coverage...
- White papers 2004-03-01
- COBRA Continuation Coverage New Regulations Issued by Department of Labor on Notice Requirements Changes in COBRA Communication Materials/Procedures Required
- The Consolidated Omnibus Budget Reconciliation Act ("COBRA") requires most employer-sponsored group health plans to provide employees and their dependents the opportunity to continue their group health coverage for a limited period of time (such continued coverage is referred to as "COBRA Coverage") following the occurrence of certain events (called "Qualifying...
- White papers 2003-09-11
- Do IPO Firms Purchase Analyst Coverage With Underpricing?
- The links among IPO (Initial Public Offerings) underpricing, post-IPO analyst coverage, and the likelihood of switching underwriters were examined. The findings indicate that underpricing is positively related to analyst coverage by the lead underwriter and to the presence of an all-star analyst on the research staff of the lead underwriter....
- White papers 2003-09-01
- A Rose by Any Other Name: When Does a Pleading Allege an Offense?
- Texas, like most states, follows a complaint allegation rule, determining a duty to defend by comparing the allegations of the petition to the terms of the policy. The facts, not the causes of action, determine coverage: if a claim is potentially within coverage, a duty to defend is triggered. The...
- White papers 2003-08-13
- Earthquakes: Risk And Insurance Issues
- An earthquake is a sudden and rapid shaking of the earth caused by the breaking and shifting of rock beneath the earth’s surface. This shaking can sometimes trigger landslides, avalanches, flash floods, fires, and tsunamis. Unlike other natural disasters such as hurricanes, there are no specific seasons for earthquakes. Earthquakes...
- White papers 2003-07-01
- Taking to the High Seas This Summer? - Protect Yourself With Safety Education & Your Boat With Proper Insurance, Warns the I.I.I.
- This paper focuses on the insurance policies for the shipping sectors. Over 70 percent of all boating accidents are due to inattention, speeding or boating under the influence of drugs and alcohol, warns the Insurance Information Institute (I.I.I.). Canoes, small sail boats, and boats equipped with motors that are less...
- White papers 2003-06-18
- Corporate Communications: Webcasting For More Than Just IR
- This webcast includes– webcasting in the IR space, non-IR webcasting applications, the benefits of webcasting etc. Webcasting is used for different process apart from teleconference, call capture etc. The IR applications are different like quarterly earning updates, conference presentations, annual meetings etc. Apart from all these key applications cover employee...
- Webcasts 2003-03-12
- Approaching Universal Coverage: Minnesota's Health Insurance Programs
- While a high rate of private insurance coverage is an important reason for Minnesota's success relative to other states, the state also operates five public health insurance programs that collectively cover nearly all adults and children without private coverage. Together, these programs cover about 11 percent of the state's non-elderly...
- White papers 2003-02-01
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