Posts Tagged ‘less’
Health insurance premiums have shot up more than 60 percent in the last eight years, so much that the average family of four may soon be paying $ 25,000 a year for coverage, a new report finds. Deductibles are also going up, so workers are paying more and more for less and less.
Learn about health care reform fast! This short video explains health reform in a quick and humorous cartoon. Don’t rely on your friends for the answers! Tak…
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Washington, DC (PRWEB) November 30, 2012
The National Hispanic Council on Aging (NHCOA) the leading national organization working to improve the lives of Hispanic older adults, their families, and caregivers has been working across states to raise awareness and empower Latino workers and older adults to advocate for leaves that pay laws at the local and state level. Leaves that pay policies are the best way to ensure that workers dont have to choose between their family and their job. Job security and steady wages are crucial for the Hispanic community as many workers are also caregivers and heads of households.
With the flu season underway, it is likely that workers without paid sick days are going to work ill. This creates a toll on the individuals health, but also makes possible the spread of the illness to those in the work or family environment. Similarly, there are also workers who do have leaves that pay, but dont use it when they are sick because they are unaware of the benefit.
The Leaves That Pay initiative is more than good public health policy, its common sense, said Dr. Yanira Cruz, NHCOA President and CEO. When workers can stay home to take care of themselves or a loved one while earning wages, both individuals and the health care system are better off in the long run. Leaves that pay enable workers to avoid spreading illnesses, and to manage minor health problems before they become serious or chronic.
That is why NHCOA has been working to raise awareness among Latino workers in California, which has leaves that pay laws in place. While these workers are the ones who need leaves that pay the most, they are the least likely to use it in the event of an illness. In fact, according to a 2011 study by Eileen Appelbaum and Ruth Milkman only 34% of Hispanic Californians were aware these laws existed. Likewise, NHCOA has been working with advocates in New York City to bring a leaves that pay bill, which was introduced more than a year ago, to vote in the City Council. As the initiative expands, NHCOA hopes to empower Latino communities in Southern Florida to advocate for a similar law, and to expand an existing worker disability law in New Jersey.
NHCOAs Leaves That Pays initiative is sponsored by the Ford Foundation. For more information, visit http://www.nhcoa.org.
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Melbourne, Australia (PRWEB) July 11, 2012
The survey from new online personal loan product, Umi, found that almost a third (30 per cent) of Australians waste at least two hours a month carrying out needless face-to-face activities.
According to the survey, the most annoying time-wasting chores, which people said shouldnt have to be done in person, were:
In the ever-changing world of healthcare in America, it’s not a bad idea to know the basics as well as saving a ton of money in the process. Healthcare for Less outlines the basic steps to choose the right healthcare plan and provider, take advantage of government programs like Medicare and Healthy Families, and avoid paying unnecessary healthcare costs. Though insurance policies, Medicare forms, and doctor bills can be complicated and difficult to understand, this book is not.
Healthcare for Less explains the value of knowing your family’s medical needs, relating these needs to your insurance company and/or medical provider, and knowing what options exist—before making costly healthcare decisions. The book is separated into easy-to-follow sections, so readers can jump right to what they need and refer to diagrams, tables, and websites to answer more specific questions. Healthcare is essential to everyone, and it is important to understand how you can take advantage of your options to receive the best care at the most affordable price.
Healthcare for Less is a wealth of information, including:
• the differences between the HMO and the PPO
• the intricacies of your medical bill
• the importance of a deductible, and much more
Filled with timeless real-life examples, Healthcare for Less describes a practical approach to today’s healthcare system (as well as tomorrow’s) to help you and your family get the care you need for less.
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Minnetonka, MN (PRWEB) June 26, 2012
With one week left until the “final” CMS deadline for the 5010 format, it appears providers are in one of three camps:
Belleville, IL (PRWEB) June 22, 2012
A new national survey finds that 71 percent of U.S. physicians spend 20 minutes or less with each patient during an office visit. That can be a challenge for patients seeking Social Security Disability Insurance(SSDI) benefits who need to work closely with their doctors when preparing their claims, according to Allsup, which provides SSDI and Medicare plan selection services.
The study of physician workload and compensation was published this spring by Medscape, WebMDs medical professionals website, which analyzed data gathered from 24,000 U.S. physicians. The largest number of physicians, 26 percent, reported spending 13-16 minutes with a patient. But the good news for individuals applying for Social Security Disability Insurance is that critical care specialists spend an average of 25 minutes or more with each patient.
SSDI is a medically based program, therefore it requires considerable input from healthcare professionals, said Ed Swierczek, Allsup senior claimant representative. The clinical findings and medical opinions of healthcare professionals can be given significant weight by the SSDI adjudicatorbe it a disability examiner or an administrative law judge.
In fact, a Social Security Ruling (SSR 96-2p) applicable to the disability program states a treating physicians medical opinion is given controlling weight as long as the opinion is supported by the medical evidence. With that in mind, a treating physicians medical opinion can be vital to any disability claim, Swierczek said.
SSDI is a federally mandated disability insurance program overseen by the Social Security Administration (SSA), and it operates separately from the retirement and Supplemental Security Income (SSI) programs. SSDI provides monthly benefits to individuals who are under full retirement age (age 65 or older) and who can no longer work because of a severe disability. Individuals and their employers pay for the federal insurance program through FICA taxes.
If an individual can no longer work because of a mental or physical impairment, seeing a physician or mental healthcare provider to document the impairment is paramount, Swierczek said. He shared the following tips for working with healthcare professionals during the Social Security Disability Insurance application process.
See a doctor trained in assessing the respective impairment. For example, if a persons primary problem is mental, seeing only a primary care physician will not have as much weight as seeing a qualified mental healthcare professional, such as a psychiatrist, psychologist or licensed clinical social worker, Swierczek said.
Determine if the doctor will support a disability claim. Its advisable to address this issue with the doctor right away, Swierczek said. If the doctor feels the individual can work, it is highly unlikely that he or she will be supportive of the claim and therefore will not be an advocate for the patient during this process.
Make sure the doctor documents all findings. If the physician supports the claim, its important that he or she documents the individuals chart with all physical and mental findings, Swierczek said. That includes complaints, such as being unable to stand for long periods of time or stay focused on a task, as well as symptoms, such as pain, fatigue and shortness of breath.
Prepare the doctor for requests. The Social Security Disability Insurance process requires comprehensive paperwork, Swierczek said. Let the doctor know that he or she may be asked to complete assessments on the individuals behalf, citing the functional limitations secondary to the impairments. For example, questions might include how much a person can lift or carry, how long the individual can sit, stand and walk, and if the person is able to use his or her hands effectively.
Encourage timely responses. Because applying for SSDI can be a lengthy process, its important to ask the doctor to respond to any request for information on the disability claim as soon as possible, Swierczek added. Nearly two-thirds of initial applications are denied, many because of technical or medical reasons, which leaves applicants wondering what to do next. A smarter move is to find expert representation before filing with Social Security.
To determine if you are eligible for Social Security disability benefits, call the Allsup Disability Evaluation Center at (800) 678-3276.
Allsup is a nationwide provider of Social Security disability, Medicare and Medicare Secondary Payer compliance services for individuals, employers and insurance carriers. Founded in 1984, Allsup employs more than 800 professionals who deliver specialized services supporting people with disabilities and seniors so they may lead lives that are as financially secure and as healthy as possible. The company is based in Belleville, Ill., near St. Louis. For more information, go to http://www.Allsup.com or visit Allsup on Facebook at http://www.facebook.com/Allsupinc.
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NEW YORK (Reuters Health) – People without health insurance in rural areas are less likely to be up-to-date for routine health check-ups and cancer screening than those with coverage, according to a new study.