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New Study Finds Connections Between Certain Job Factors and Poor Employee Health
According to recent research from the National Institute for Occupational Safety and Health, there are multiple factors that relate to workers' perceptions of low health status. These include lack of paid sick time, occupation classification and other psycho-social factors.
The study showing these findings was published in the American Journal of Preventative Medicine. Researchers found that people who were employed in human resources, marketing and similar operations jobs were more likely to report their health status as being poor or fair. Workers who cited the following issues were more likely to classify their health status as poor:
Being bullied at work
Difficulty balancing family obligations
Difficulty meeting work obligations
Worrying about becoming unemployed
Receiving inadequate sick time
Researchers said that the study was important because it was the first to show a strong connection between poorer health perception and business operations jobs. By understanding a worker's duties and how those can lead to health perceptions, the researchers said that it is easier to help public wellness and health professionals develop stronger plans. They said that these plans must include tailored interventions and worker input.
NIOSH Study Details
The study collected data from over 10,500 adults who worked in many different occupations. There were open-ended questions in the survey that encouraged participants to detail the features of their job duties and describe their employment status. These were the five categories included in the study:
Pay and benefits
Workplace psycho-social factors
The questions regarding psycho-social factors looked at specific issues such as hostile work environment, job insecurity, balance between work and home life and several others. In the study, respondents were asked to rate their health from poor to excellent. When researchers looked at workers' perceptions about their health, they noticed that certain negative answers about jobs were more commonly associated with those reports.
Researchers found that people who were in production jobs were more likely to report their health as fair or poor when only the occupation classification was considered. However, there were distinct differences when factors such as family income, age, race and other socio-demographic factors were considered. When these factors were calculated as influential criteria, workers who were in business operations jobs were about 85 percent more likely than workers in all other categories to say that their health status was poor or fair.
After researchers looked closer at psycho-social factors, they found that workers who did not have any paid sick leave were 35 percent more likely to classify their health as poor or fair. Workers who had trouble balancing home life and work obligations were almost 25 percent more likely to classify their health as poor or fair. For those who had worries about unemployment, their likelihood of reporting fair or poor health was increased to more than 40 percent. Those who experienced workplace bullying were at least 80 percent more likely to classify their health status as poor or fair.
These findings show the toll that common problems in the workplace take on employee health. Employers can take steps to reduce these problems as well as environmental and chemical hazards. Organization, behavior, benefits and scheduling may need to be reviewed and modified to make beneficial changes. As an employer, it is important to learn more about how to improve the health of employees.
In A Social Media World, Are You Covered for Libel?
It is widely thought that a homeowner's insurance policy covers only incidents that physically occur in the home, which is partially correct. In fact, coverage can go beyond the home and can insure you for a personal injury claim, if the right conditions are in place.
One may think of the term "personal injury" as requiring a physical injury suffered by another party. While a liability policy will likely apply to an incident of physical injury, personal injury is a broader concept. In the insurance world, personal injury can include harm caused by false arrest, detention, or imprisonment; malicious prosecution; wrongful eviction; slander; libel; and invasion of privacy. Basically, a personal injury policy can protect a homeowner and others covered under the policy against a claim for almost every injury that someone can experience without suffering any actual physical harm.
Given this broader definition of personal injury, would your policy cover a claim for accidentally saying something personally harmful on social media? It depends. Here are the most likely scenarios of what you may have:
A homeowner's policy that covers liability, but does not cover personal injury liability. In this case, you would not be covered.
A homeowner's policy that specifically includes personal injury, but the coverage was added in as an endorsement. If a liability coverage amount appears on your policy, it may cover only physical injury and property damage; it may not cover personal injury. To cover personal injury, the added endorsement must specifically state the words "Personal Injury."
A deluxe type of homeowner's policy that automatically covers personal injury. These policies are typically designed for large homes that are over a certain square footage and for homeowners with more sophisticated needs. Also, the cost of these policies is slightly higher than a regular homeowner's policy, and the policy often includes a number of other additional endorsements.
You have an umbrella policy. Many umbrella policies automatically include personal injury coverage and drop down to first dollar coverage. However, don't automatically presume this.
The bottom line is, if you are very active on social media or even in your community, you are more prone to getting sued. What you say may be perfectly fine. However, if someone feels that your statement has injured them, as innocent as you thought your statement was, that person can file suit against you with or without an attorney. The best part is that, if you have personal injury coverage, the insurance company will defend you against such a suit at no cost to you. This can save you thousands of dollars in legal fees, and you will be represented by one of the best attorneys to fend off false allegations. Lastly, if something you said or the way that you said it is determined to render you liable for personal injury to another party, your insurance company will pay the amount of the judgment up to your policy coverage limits.
It is best to call your agent at 314-351-HALO(4256) to find out if your homeowner's or renter's policy has personal injury coverage. If not, for a minimal additional premium, you can add this important coverage. If you already have this coverage or you add it, make sure that it is listed on the coverage page of your policy and that the appropriate provision is in the policy. Many policies nowadays are sent via an electronic PDF file. It is easy to do a keyword search for "Personal Injury" to see if this is included and that the language further states that you have coverage. This is not something that you want to wait to add after you have been served with suit papers, because, at that point, it will be too late.
New Scam Surfaces Amid Medicare's Announcement of New Cards
Many Medicare recipients have received correspondence stating that they will get a new card. However, this change is not taking place until April in 2018. Scammers are already finding ways to profit from the confusion, which means that Medicare members must be on the alert for new types of fraud.
Card changes are meant to protect identities and prevent fraud. For most people, their Medicare card number is the same as their Social Security number. This gives scammers an easy way to collect personal information, which they can use to take loans out in a person's name, open new credit cards or open other types of financial accounts. Since there have been so many types of fraud linked to collecting Social Security numbers, Medicare decided to issue new cards that will not include those sensitive numbers.
How The New Scam Works
The latest scam that is based on new Medicare numbers being issued usually starts with a phone call. A scammer states that he or she is calling on behalf of Medicare and asks for the beneficiary to confirm his or her current membership number before the new card can be sent out. Another type of phone scam involves someone calling a beneficiary and claiming that there is a charge for the new card. Medicare has issued statements to address this problem saying that they will not contact any beneficiary directly about the new card and will never request personal information. They already keep this information on file and do not need it. When receiving such a call, hang up immediately. Call Medicare or a state health agency to report it.
Other Common Medicare Scams
It is still important to be aware of other common Medicare fraud schemes. These have been in existence for a while but are still being used. The common types of scams include:
Billing for unnecessary services
Billing for services not received
Billing twice for one procedure
Fake pricing and reporting
Insufficient medical documentation
Off-label pharmaceutical marketing
Wrongly claiming reimbursement eligibility
Unqualified providers offering services
Beneficiaries cannot allow another person to use their card, and they are also prohibited from sharing prescriptions. If a doctor will not offer narcotic medications, going from one doctor to another seeking those medications is also a prohibited practice. To learn more about Medicare fraud, how to avoid it and how to report it, speak with an agent at 314-351-HALO(4256).
Important Response Tips After an Accident
Very few people are prepared to face a traffic accident; however, many people will be involved in one at some point during their lives. While some are minor, others are severe and require appropriate action.
Even the most careful drivers may experience an accident due to the poor driving skills of others. The best way to be prepared is to know how to respond at the scene. People who know what to do can save lives. In addition to this, preparedness makes the claims process simpler. If an accident happens, take the following steps:
- Stop the car immediately, and check to see if anyone involved is injured. Do not move any injured individuals.
- Call the highway patrol or police immediately. Be sure to tell them how many people are involved, how many people are hurt and what types of injuries have been noted. The police will then notify an emergency response team.
- Find a blanket, sweater or anything available to cover injured people with. It is very important to try to keep them warm.
- Set up flares or other bright objects around the scene of the accident. This is especially important at night, and the objects will help other motorists steer clear of the scene.
- When an involved vehicle is parked in the middle of the road, pull it to the shoulder. If possible, it is important to avoid congesting the road.
- Ask the responding law enforcement officer where to obtain a police report copy. As a rule, it is beneficial to have one before submitting an insurance claim.
- If necessary, call a towing company to pick up the damaged vehicle. Avoid giving permission for repair work. The insurance adjuster will need to see the vehicle and assess it prior to the repair process.
When the accident occurs, it is important to obtain some information from the other drivers and passengers involved in the accident. If they are upset, try to calm them down. Write down the following bits of information:
- Names and addresses of every driver or passenger involved.
- Names and addresses of all witnesses at the scene.
- The make and model of every car involved.
- Insurance identification information for each party.
- License plate numbers of each car involved.
- Drivers license numbers of each individual.
Not all other parties may be willing to cooperate. If they do not have insurance, they may try to offer a settlement at the scene of the accident. They may also prefer not to involve the police or highway patrol. Since there are many things that could go wrong in such a scenario, always notify law enforcement immediately. Be sure to write down the law enforcement officer's badge number and name. If any emergency personnel are involved, write down their names. After an accident, always contact your personal insurance agent.
In some cases, people hit an unattended vehicle. It may be impossible to find the owner or wait for that individual to return. In such a case, the person who hit the vehicle should leave a note with their name, address and phone number. Write down the details of the accident, and call an insurance agent immediately.
To learn more talk with an agent, today at 314-351-HALO(4256)