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Insurance

Cut costs on duplicate health coverage

05/01/2006

If you’re not doing so already, take steps to discourage employees and dependents from holding duplicate health coverage. Example: Ford Motor Co. now requires employees to pay extra toward their health premiums if their covered spouses have duplicate health coverage …

Dispelling 4 common myths about disability leave

04/01/2006

There once was a time when considering an employee’s request for disability leave was fairly straightforward. But no more. With passage of the ADA and FMLA, employers must now navigate a virtual maze of federal laws and regulations. And when an employee’s disability stems from a work-related accident, workers’ compensation issues must be taken into account …

Design smoker surcharges to cut costs, preserve morale

04/01/2006

More employers are increasing health premiums for smokers as a way to cut health costs. Such surcharges can trim costs, but implementation mistakes can alienate employees and hurt morale. Use the following tips to design smoker surcharges that reduce the most costs with the least employee backlash …

COBRA notices: Lessons from 3 recent court rulings

04/01/2006

Court rulings periodically alter your responsibilities in offering COBRA continuing health coverage. Keeping abreast of those changes helps you stay in compliance and out of court …

More States Push Workplace Conscientious-Objector Laws

03/01/2006

State legislatures in about 20 states are actively considering legislation that would provide new legal protections to health care employees who refuse to provide care that conflicts with their personal beliefs …

EAP phone therapy is legit, but choose vendors wisely

03/01/2006

EAP-provided telephone counseling is controversial but becoming more common. Still, quality varies among vendors. Screen potential teletherapy providers carefully using the following six questions …

Look to states, not Congress, for radical health care changes

02/01/2006

Employers and consumers alike have been wrestling with skyrocketing health care costs, with no end in sight. And while Congress has talked much about reforming the system, it’s been spinning its wheels for years. The same can’t be said for state legislatures, where lawmakers are actively passing laws to make coverage more affordable …

Use ‘Mini-Med’ Benefits to Cut Costs, Help Retain Staff

02/01/2006

Soaring health costs are forcing many small firms to shift more cost burden to employees or drop coverage. But be aware that many companies are taking a third option: offering a limited medical health insurance plan (or "mini med") that provides bare-bones health coverage …

You can remove injured worker for safety reasons

02/01/2006

Q. An employee told us he has a bad hernia. He wants to wait a couple months to have the operation, since it requires six weeks’ recovery. He does some lifting in his job. Yesterday, he had to go home early because he was in pain. Now that we are aware of his condition, what’s our liability? And what should we do? —D.C., New Jersey

Include retail store clinics in your health care strategy

02/01/2006

More retail superstores are adding low-cost medical clinics to their in-store services. Employers can use these "doc-in-a-box" services for low-cost employee preventive and wellness care. Check to see if a local clinic is opening, then consider this as part of a cost-cutting solution, not a cure …