Tag Archives: Insurance

Injured Worker in ProPublica/NPR Story Testifies Before Illinois Legislature – ProPublica


An injured worker featured in a ProPublica and NPR investigation into the rollback of workers’ compensation nationwide warned Illinois lawmakers on Tuesday not to make the same drastic cuts that his state has made in recent years.

John Coffell, who lost his home after hurting his back at an Oklahoma tire plant, testified as part of an eight-hour hearing on workers’ comp before the entire Illinois state assembly. The rare hearing of “the committee as a whole” was called by Democratic House Speaker Michael Madigan as a preemptive strike of sorts as newly elected Republican Gov. Bruce Rauner prepares a number of changes to reduce costs for employers.

As part of his “turnaround agenda,” Rauner has proposed:

Toughening standards so that employees must prove that work caused more than 50 percent of their injuries rather than just aggravating an existing condition

Relying more heavily on disability rating guides that reduce compensation for workers who suffer permanent injuries

Allowing workers’ comp judges to give equal weight to opinions of doctors hired by insurance companies rather than giving deference to workers’ physicians

Reducing the maximum medical fees that doctors and hospitals can charge by 30 percent

ProPublica and NPR reported earlier this year that more than 30 states have changed their workers’ comp laws since 2003, largely to appeal more to business. Those changes — which mirror some proposed in Illinois — have reduced benefits for injured workers, created hurdles to medical care, or made it more difficult for workers to qualify.

As in many states, workers’ comp in Illinois has become a bargaining chip. Rauner has insisted that changes to the laws must be made in exchange for any increase in the state’s minimum wage.

During the hearing, Rep. Jay Hoffman, a Democrat from southwestern Illinois, said the assembly should learn from the experiences of workers like Coffell, who were victims of both tragic accidents and “short-sighted policies” enacted by their legislatures.

“Their representatives may have called these actions ‘reforms.’ They may have talked about the business climate. They may have talked about the need to root out fraud. But what they really did is they denied hard-working, middle-class families the care they need and the support they deserve,” Hoffman said. “This side of the aisle will not join other states in a race to the bottom.”

The ProPublica and NPR series has led to bills to raise benefits in Alabama and prevent medical care from being cut off in California. Officials have also warned insurers in California not to abuse the process and have launched an audit of how one insurer handled a claim in which a paraplegic’s home health care was terminated. In Illinois, Coffell’s testimony appears to have been used to try to douse the governor’s proposals.

Coffell told the legislators that after injuring a disc in his back last summer, his pay dropped dramatically because Oklahoma had reduced the maximum wage-replacement benefits injured workers could receive from $801 a week to $561 a week.

Almost immediately, he said, his utilities were cut off, his truck was repossessed and his family was evicted from their rental home. Because no relative could accommodate all of them, Coffell sent his three children, aged 5 to 9, to live with grandparents. He and his wife only had enough gas money to see them on weekends. They’ve had to rely on food stamps to get by.

Asked by a legislator how it felt to not be able to support his family, Coffell said, “It’s indescribable, really. Pretty much if I was to give a crazy example, if you were to see your husband or child drowning in a pool, but not being able to get them out of it. Kind of the same feeling.”

The hearing repeatedly drew comparisons between Illinois, which has relatively high benefits and costs, and Indiana, which has relatively low benefits and the second cheapest insurance rates for employers in the country.

Workers and their families praised Illinois’ law. Christine Fuller — who lived in Indiana, but whose father died from falling off a roof on a job in Illinois — said the survivor benefits she received from workers’ comp helped pay the mortgage and put her through college and graduate school.

via Injured Worker in ProPublica/NPR Story Testifies Before Illinois Legislature – ProPublica.

Advertisements

(California): This is the one simple truth car insurance company don’t want you to know. (New Rule Leaves Drivers Furious and Shocked!)


New Rule Leaves Drivers Furious and
Shocked!

And I promised myself not to allow myself to be shocked this year!


Warning: Do Not Pay Your Next Car Insurance
Bill Until You Read This…

January 14, 2015

(California): This is the one simple truth car insurance company don’t want you to know. If you are currently insured, drive less than 35 miles/day and live in a qualified zip code you can receive some huge discounts. Also, if you have no DUI’s on your record, you may qualify for some of the biggest discounts of all. But do you think your car insurance company will tell you that?

When drivers enter their zip code and vehicle information at Provide-Insurance.com many are shocked at the results they find. Most just can’t believe that the available rates are in fact real, but the truth is rates have dropped significantly for many people over the past 12 months. Also, thanks to new program policies it’s now easy to save up to 45% with rates as low as $9/week.

We had Kristen Pereira, our in house financial expert, test these types of services out. She came back a few days later to report a number of exciting things – including that she will now save over $400 during the next year. She found many others who have done the same.

Does this mean Kristen was overcharged by her previous insurance company? Well, it’s possible since they neglected to share with her a number of lower cost insurance options. When confronted, she was told in a hesitant voice,”There are just so many options, and I didn’t think you would be interested in that specific one.”   continue reading here

Forever Wild: National Geographic


Forever Wild

this pressed: The Rise of Invisible Unemployment – The Atlantic


Lucy Nicholson/Reuters

In the last year, the most important question for US economists and economic journalists has changed from Where are the jobs? to Where are the wages?

It’s a problem best summed up by Matthew O’Brien in the Washington Post. As the labor market approaches full employment, there should be more pressure on wages to rise. In the graph below, that would look like a trend-line pointing up and to the left. Instead, as you can see in a half-a-second glance, the trend-line is a blob and it’s certainly not pointing up. The unemployment rate has fallen below 6 percent, and earnings growth is flat.

via The Rise of Invisible Unemployment – The Atlantic.

this pressed: For Oil and Gas Companies, Rigging Seems to Involve Wages, Too – ProPublica


The seal of the United States Department of Labor

The seal of the United States Department of Labor (Photo credit: Wikipedia)

For Oil and Gas Companies, Rigging Seems to Involve Wages, Too – ProPublica.

MUST Listen-Read: Podcast: How Insurers Are Charging You More for Your Generic Drugs – ProPublica


“The Affordable Care Act bans insurance companies from discriminating against patients with pre-existing conditions. But some policy experts say insurers could be doing just that by forcing people with chronic illnesses to pay more for their drugs.

ProPublica’s Charles Ornstein explains that insurers have long used a tiered pricing system to steer consumers away from expensive brand name medications. But according to a recent editorial in the American Journal of Managed Care, several prominent health plans are taking this tactic one step further and charging higher co-payments for some generic drugs.”

this pressed: Podcast: How Insurers Are Charging You More for Your Generic Drugs – ProPublica


Podcast: How Insurers Are Charging You More for Your Generic Drugs – ProPublica.

EXCERPTS:  The Affordable Care Act bans insurance companies from discriminating against patients with pre-existing conditions. But some policy experts say insurers could be doing just that by forcing people with chronic illnesses to pay more for their drugs.

ProPublica’s Charles Ornstein explains that insurers have long used a tiered pricing system to steer consumers away from expensive brand name medications. But according to a recent editorial in the American Journal of Managed Care, several prominent health plans are taking this tactic one step further and charging higher co-payments for some generic drugs.”

this pressed: Meet Kevin Counihan, The New ‘Obamacare CEO’ – Forbes


 

Meet Kevin Counihan, The New ‘Obamacare CEO’ – Forbes.

Workers Opting For Employer Coverage Over ObamaCare – Forbes


English: President Barack Obama's signature on...Workers Opting For Employer Coverage Over ObamaCare – Forbes. affordable 

 

Enhanced by Zemanta

Law’s Expanded Medicaid Coverage Brings a Surge in Sign-Ups – NYTimes.com


America ranks near the bottom of developed countries in health and longevity, and many public health experts believe that improving that ranking will be impossible without paying more attention to poor Americans. It is still an open question whether access to health insurance will improve the health of the disadvantaged in the long run, experts say, but the men and women getting the coverage here say the mere fact of having it has drastically improved their mental health.”

via Law’s Expanded Medicaid Coverage Brings a Surge in Sign-Ups – NYTimes.com.

Enhanced by Zemanta
Image

Obama Healthcare: Affordable…for the for profit health insurance INDUSTRY” to which we are the serves!


For profit Health care INDUSTRY sole beneficiary of the Obamascare efemisticaly titled as "AFFORDABLE"

For profit Health care INDUSTRY sole beneficiary of the Obamascare euphemistically titled as “AFFORDABLE” (Click listen and get inspired!)


Videoclip de Ray Charles

Lyrics / Letra Ray Charles Hit The Road Jack

Video _ Doctors were coached on diagnoses _ ex-staff say_California Watch


Video _ Doctors were coached on diagnoses _ ex-staff say_California Watch

Video _ Doctors were coached on diagnoses _ ex-staff say_California Watch Click to find out more about this type of greed driven insanity, for which we're all paying outrageous premiums, doctor visits, and medication!)

This is an example of “For profit”- “Health Insurance industry”, instead of “Universal one payer Health care“.
What is the definition of affordable, and if it is affordable, then how can it be profitable?

Related articles

Today’s Birthday: JOHNS HOPKINS (1795)



Johns Hopkins (1795)

Hopkins, a US merchant and financier, worked with an uncle as a wholesale grocer before going into business with his brothers in 1819. As he continued to prosper, his interests diversified into banking, insurance companies, steamship lines, and railroads. In his will, he set aside $7 million—the largest philanthropic bequest in US history at the time—for the founding of a free hospital and university in Baltimore, Maryland. His will also called for the establishment of what other institution? More… Discuss