Five Key Steps to Take During Layoff to Avoid Driving Up Workers’ Comp Costs
Layoffs are happening all around us and can greatly impact your workers’ compensation experience. My topic focuses on discouraging a workers’ comp catastrophe during a reduction in force.
Here are some things you can do to prepare for layoffs. In addition to my suggestions, over the next few days, Attorneys Ted Ronca (NY), Brad Bleakney (IL) and several other attorneys will offer suggestions on ways to reduce exposure to workers’ comp claims during layoffs.
1. Notify your broker and claims administrator. Make a plan, which will be different depending on the laws in your state. Include the human resources department and legal counsel in this planning session.
2. Try to place any workers currently out of work on TTD (temporary total disability benefits) back to work before their positions are eliminated. Once these workers do not have any work to go back to, it can be a long time before you can show they are capable of working, so try to get as many as possible back to work prior to the layoff.
3. Limit severance payments to those employees who are actively at work. This may discourage filing workers’ comp claims without merit; and make the lure of getting a quick workers’ comp settlement less attractive because it’s a more tenuous source of income than unemployment benefits.
4. Eliminate disincentives to collect unemployment and workers’ compensation benefits. Previously, we talked about eliminating collateral source benefits, and this one is relevant now. In some states, an employee is eligible for unemployment benefits if they are “able to” work. If they are disabled, their unemployment benefits could be jeopardized. Employers should challenge unemployment claims of employees on workers’ compensation (workersxzcompxzkit) if allowed in your state.
5. Use outplacement professionals and offer services to make it possible to find part-time or alternate employment. This makes the transition smoother when employees know they will have a source of income.
No one likes to be treated disrespectfully. Consider the human side of the layoff story and take extra effort and planning to make it as painless as possible for the people who have worked for your company for many years.
Try the WC Cost Calculator to show the REAL COST of work comp.
Look at WC 101 for the basics about workers comp.
Do not use this information without independent verification. All state laws are different. Consult with your corporate legal counsel before implementing any cost containment programs.
©2008 Amaxx Risk Solutions, Inc. All rights reserved under International Copyright Law. If you would like permission to reprint this material, contact Info@WorkersCompKit.com
By: Robert Elliott
About the Author:
Robert Elliott is a senior vice president with Amaxx Risks Solutions, Inc. Over the past 20 years, he has worked successfully with many industries reducing Workers’ Compensation costs, such as airlines, health care, manufacturing, printing/publishing, pharmaceuticals, retail, hospitality and many other industries and organizations. Contact him at Robert_Elliott@ReduceYourWorkersComp.com
Attract Vibrant Health Into Your Life With The Law Of Attraction
Life Resources asked:
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An improvement if you intend you may be strong will notice difference soon after you want to live healthy and emotions into old age of attraction the secret and body.
Three Ways to Prevent Abusive Workers’ Comp Claims During Layoffs
When making cutbacks, employers have to plan for any number of contingencies says noted employment law authority of Wilmington, Delaware Attorney Margaret M. DiBianca. One such contingency that often goes under the radar is the possibility of fraudulent workers’ compensation claims. After counsel has given its stamp of approval to the list of employees selected for layoff, employers are best advised to turn next to the ways they can protect themselves from a potential increase in workers’ comp claims.
Here are three ways to protect your business from abusive workers’ comp claims relating to layoffs:
1-Use Exit Interviews to Document the Absence of Injury
Conduct an exit interview with each employee who is subject to layoff. Ask the employee to complete an exit questionnaire, which should include a question about whether the employee has suffered a workplace injury and, if so, whether the injury has been reported. Also include a question about the overall safety of the facility and the specific safety of their work environment. Even if that employee never brings a claim, the affirmative statement by many employees attesting to the safety of the workplace can serve as important evidence in any fraudulent workplace claim. Always have the employee sign and date the questionnaire form.
2-Be Kind
Kindness goes a long way in every facet of the employment relationship and becomes positively crucial when there are cutbacks and layoffs. By shooting straight from the hip when it comes to the reasons for the reduction in staff, employers are much more likely to gain the support of workers (workersxzcompxzkit) rather than get gunned down by a negative and hostile workforce. Employee-assistance and outplacement programs are two common ways employers can offer their help to employees after a layoff. The bottom line is employees are less likely to file a fraudulent claim if they believe their employer sincerely cares about their welfare.
3-Consider Offering a Severance Package
Many employers are surprised to learn that a “severance package” need not provide for payment of several months of salary and health care. A severance agreement is far simpler. The company agrees to pay the employees and, in return, the employees waive all claims they may have against the employer. This is your best protection against fraudulent workers’ comp claims, but only if it is a valid and enforceable contract. To make sure you get what you expect, first consult with legal counsel and have them draft a solid severance agreement for your future use.
Try the WC Cost Calculator to show the REAL COST of work comp.
Look at WC 101 for the basics about workers comp.
Do not use this information without independent verification. All state laws are different. Consult with your corporate legal counsel before implementing any cost containment programs.
©2008 Amaxx Risk Solutions, Inc. All rights reserved under International Copyright Law. If you would like permission to reprint this material, contact Info@WorkersCompKit.com
By: Margaret DiBianca
About the Author:
Employment law authority, Attorney Margaret DiBianca of Young, Conaway, Stargatt & Taylor, LLP. The firm takes a proactive approach to counseling its clients by trying to prevent problems before they occur during workplace issues such as hiring, firing, promotions and layoffs. Attorney DiBianca can be reached at mdibianca@ycst.com or by phone 302-571-5008.
Personal Loan Your Financial Crutch in Despair
Kirthy Vijay asked:
The personal loan as the name implies, its urgent finance for personal needs. Two forms of personal loans are based on the presence or absence of security. If a home owner is willing to commit its collateral, and can opt for a secured personal loan. Ci? offers the best rates while the loan provider? reassuring its reimbursements. On the one hand, a tenant who has nothing to commit or a home owner issues that threaten its property, can opt for an unsecured personal loan. Panacea guaranteed? of? of? personal loan for your financial WorriesHave you looking for an instant solution to your financial concerns? Wish you could take care of all your financial obligations with a loan at reduced rates? The answer? personal loans! The purpose of a personal loan? The home improvement, purchase of cars, small business start up, cost of medical emergency, the fee for training, wedding ceremony, a? of the exotic? of? festive l? ? many reasons that you could search the personal loan guaranteed instant approval. The cheap personal loans with instant decision will give the much needed respite in this situation. Matter? t of? of doesn? if you are a home owner or a tenant you yet? entitled to a business instant personal loan decision. The fierce competition between providers in the United Kingdom has caused a number of business competitive personal loan. Only to apply for a personal loan online could help you to get quotes in minutes online fast and free personal loan. The unsecured personal loans high risk are used for purposes of a discharge without some controversy. Soon you can pay off your debts, you lean against your expenses on domestic renewal, the wedding ceremony, the purpose of education, debt consolidation or healthcare costs. You can apply for a loan amount ranging from £ 1000 to 25000, for a period of 1-10 years. A home owner? an advantage to obtain a quantity? high loan due to the security that gives the lender. Your bad credits are not disabled for long. Supply of personal loans bad credit enough financial aid to you. The advantage of this accreditation that bad loans are personal finances, it offers relief to those in bad credits and helps him to restore his good sign beside keeping with its repayments on time. What?,? t of? the isn? it be a double benefit to them? The accreditations not defective must be a concern for long. You have an option to repair it now, while simultaneously satiate your needs too. What are you still thinking that over, reaches out to experts on loan now!
A Diet Pill Superhero
So many diet supplements make lofty claims of dramatic weight loss yet carry potentially dangerous risks. In fact, the term “diet pill” itself can carry negative connotations in the minds of dieters looking for help. Unfortunately, many overweight people simply cannot lose weight on their own. Finding time to exercise or plan nutritious meals can be impossible in this hectic day and age. It is essential for some dieters to add a supplement to their diet plan.
One new and safer choice of diet supplements on the market is Hydrox-Slim. Hydrox-Slim fully discloses its ingredients, which are all natural and healthy. Hydrox-Slim contains a blend of essential vitamins and plant extracts. Green Tea, one of Hydrox-Slim’s ingredients, has been hailed by many for its healing powers as well as its weight loss benefits.
Many weight loss pills with risky side effects contain the stimulant Ephedrine or contain Ephedrine-substitutes. Some of the many health dangers of Ephedrine include cardiovascular and respiratory problems. Hydrox-Slim does not contain Ephedrine. In fact, the only stimulant Hydrox-Slim contains is caffeine, which occurs naturally in Green Tea. Hydrox-Slim is not only a safer alternative for dieters, but it also combats fat and calories in several ways, making it more effective than dieting pills that only have one purpose, for example, to suppress hunger.
Hydrox-Slim’s special blend of natural elements causes a natural physiological response of the body called thermogenesis. Thermogenesis is the process by which the human body creates heat. Substances that cause this effect are called thermogenics and are commonly used in products for losing weight. When a dieter takes Hydrox-Slim, his or her body produces heat by increasing the rate of metabolism. Metabolism is the body’s processes which break down food and create energy. When your metabolism increases above its normal rate, you burn fat and calories faster.
In addition to burning fat faster, the ingredients in Hydrox-Slim help suppress your appetite. Not only does the diet pill make you feel hungry less often, but you will feel full sooner. Many overweight individuals actually overeat, which makes losing weight difficult. With Hydrox-Slim’s hunger suppressing power, you can limit your eating to normal, healthy amounts.
Hydrox-Slim’s natural ingredients also have the added benefits of reducing water retention and even lower blood pressure. Slimming down and losing weight also has many other health benefits, which include boosting energy, enhancing your appearance, and reducing the risk of obesity-related health risks such as diabetes and heart problems.
While Hydrox-Slim seems safer and more healthy than other dieting products, it is also less expensive than other brands. That is not to suggest that Hydrox-Slim is of lower quality, only that other diet pills are over-priced. Hydrox-Slim costs as little as $20 per bottle.
It is simple to incorporate Hydrox-Slim into your daily routine. You can take between two and four pills a day, and you must take it thirty minutes before eating or work outs to see maximum results. Hydrox-Slim is not for women who are pregnant or nursing, and if you are sensitive to caffeine, you should avoid this diet product.
By: Diets In Review
About the Author:
Diets In Review is a leading resource for information about diets, weight loss programs and diet supplements. The site features a daily Diet Column with the most up-to-date news, tips and features about losing weight and dieting. If you’re interested in learning more about any of the 300 reviews, visit Diets In Review.
Not your Typical Diet Pill
Diets In Review asked:
There are thousands upon thousands of weight-loss products available today. It seems the weight-loss industry is growing by leaps and bounds. How do you know which pill will really work for you? Well, you can turn to Alli. Alli is the first FDA-approved over-the-counter diet pill—and it is absolutely not a fad diet pill.
The pill, from pharmaceutical giant GlaxoSmithKline, promotes a healthier lifestyle by teaching you that the best route to weight loss involves eating healthy food and getting the exercise you need. Alli is not a shortcut to weight loss that will leave you gaining fifteen pounds once you stop taking it—Alli is meant for long-term weight loss results.
Alli helps you lose weight by blocking 25% of the fat you consume from being digested. As a result, Alli can help you lose 50% more weight than you would be able to with dieting alone. All it takes is a single pill with every meal!
It is important that when taking Alli, you consume a healthy diet, as continuation with a high-fat diet can result in inconvenient side effects including flatulence and rectal discharge as the drug acts to reduce the amount of fat stored to your body. This, however, is great motivation to stay on the right path of a healthy diet and exercise.
The Alli weight-loss plan also includes an individually tailored online plan that will help you safely and gradually lose weight. . The plan is designed for you to use alongside the pills to provide the support you need to achieve your weight-loss goals. The Alli starter kit also comes with helpful reference guides so that you have every tidbit of weight-loss information right at your fingertips.
Alli is a sensible approach to weight loss that focuses on your long-term health and success. If you’re considering trying Alli, you should be sure you’re ready to make a commitment to change your diet and exercise habits and to live your life in a new, healthier way.
Staying Smooth: Anti-aging Skin Care Tips
Julie Health asked:
There’s no reason why anyone in the movies and magazines should look better than you, including the way that their skin looks. Even if you don’t have millions of dollars, you can make sure that your skin continues to look young and healthy. By taking the proper steps, you can reinforce the cells in your skin for a younger and fresher look. Following are some anti-aging skin care tips that you can follow.
The easiest way to take care of aging in your skin is to make sure that it does not start to wrinkle. Your skin will begin to wrinkle in one of several ways. When it is inflicted with substances that are not natural, such as UV rays, it will cause the collagen, or cells in the skin, to break, loosen and die. Over time, it will cause crow’s feet, lines around the mouth, and other wrinkles to appear over the face. Even if you don’t see the wrinkles yet, you can take steps to make sure that your skin stays in the best shape possible.
One of the most important anti-aging skin care tips that should be common knowledge is to make sure to not inflict it with substances or stress it out. If you are going out in the sun, wear a hat and put on sun screen. If your face gets dirty, find ways to scrub and clean it. If the air is dry, make sure that you enrich your skin by adding in extra moisture to the skin. Balancing out the exposure of your skin is an easy way to start when helping the anti-aging process.
If you want to take extra measures to prevent aging, then there are a variety of other things you can do. One of the most important nutrients to remember for anti-aging skin care is vitamin C. By adding this into your skin, it will help to add in additional care to the face. It not only will produce anti-oxidants in the skin, but will also help to begin reproducing cells at a faster rate. Even if you only put extra vitamin C on your skin once a week, it will help to keep your skin healthy.
For several, they will choose all natural ways to help improve their skin. You can do something as simple as washing with all natural soaps that have extra vitamins in them. Anything from extra Vitamin C and E to green tea can help you to rejuvenate your skin and keep it looking young.
There are several who will work with fruits and vegetables, applying them to their skin for a prolonged amount of time. Avocadoes, oranges, and other fruits and vegetables with high amounts of vitamins and antioxidants are known to be great agents to help your skin stay young.
If you are uncertain about what to do for your skin, then finding creams that are for anti-aging can provide the best skin care. There are several places that offer mixtures of the best ingredients for your skin, all which will help to rejuvenate the cells and other parts of the skin from the damage that has been done. Daily creams to weekly masques are helpful in keeping your skin healthy and happy while you are in the process of aging.
For those who want to indulge in complete skin care, they can look into things such as ******* and skin peels. These will help to take away the old skin that is blocking the cells from receiving the right balance of oxygen and reproducing at the normal rate.
There are strong solutions that you can add into your products in order to ensure that you are getting the best and most with special products and procedures. These can either be done by a professional or in the comfort of your own home, as long as you find the right mixture of ingredients.
If you are working at staying and looking younger, then it never hurts to try new and different anti-aging skin care tips. All of these can help and benefit you from the process that Mother Nature may not be intending for you. By taking preventative measures and finding products for your individual needs, you will have the ability to stop the aging process and stay young forever.
Travel Writing: How to Make Money Blogging About Your Travels
Money For Traveling asked:
They never wanted to travel the world and make money for the cost of your adventures with the world? Using the Web and a simple blog, this couldn & rsquo, t? pi? easy. There are just a few simple techniques, but hidden in the manufacture of healthy income for blogging about your races. In fact, the number of travelers who do not take the underground works, however, makes the cash for writing about their & nbsp; races is growing by the day. We keep our mouths shut about our techniques and visit destinations all over the world and get paid to tell the world. I know there must be great people out of l? who deserve to travel and want the information, what? I & rsquo; the VE has decided to share some of our techniques: 1) & nbsp; & nbsp; Owning your blog. Places Gradica on Blogger, Myspace and Blogspot? good for our purposes, what are they? you can & rsquo; retouching t the place to make a profit easily. Instead, if you buy a domain for $ 10 and then installed WordPress, you now have the platform to make it extremely) the profitable.2 &, nbsp; & nbsp; & nbsp; Use PPC (pay-per-clicks) to get begun. You won & rsquo, t make a massive income out of this now, but you can easily make 5-10 U.S. dollars a day in the beginning. That can not? you sound like m? lto & hellip but it & rsquo;'s enough for one meal a day or a flight after a month and the number just to get your blog to develop more? large) in readership.3 &, nbsp; & nbsp; & nbsp; Collect the names and email address. You want to do this so that we can bring you your new readers to your blog. & The little people; lsquo; bookmark & rsquo; a place far from the most long, but if sent by electronic mail to your readers always post a new article, you coltiver? your reading) an exponential rate.4 &, nbsp; & nbsp; & nbsp; Offer subscriptions to RSS (formal real simple syndicate). Don & rsquo, t has left this intimidate. The setting of this up? simple as checking a box on your blog & rsquo; options s. RSS? another way for? keep your readers updated with your blog. Insead of you who sent in the mail, the RSS reader of choice automatically show? Their recently posted content. Pi? see your content, they improved the probability of &?; rsquo; ll click on the ad (and therefore, the best to you & Probability?; rsquo; the ll get) 5) & paid; nbsp; & nbsp; & nbsp; Sell a product that interesser? your readers. Once you are in service, vederete grow your reading as well. Now it & rsquo, s time to really monetize your site. Ci? ? where the sale of the subsidiary comes. Ci? simply taking a commission for the client sent to another product (since they buy the product). What?, Occasionally, make a blog post about the product you are promoting affiliate. When your readers see this, people? interested click on your & lsquo; affiliate link, & rsquo, and if they buy, you get paid. Easy as that. Enjoy the comfort of a branch? always free and there are thousands of products that begging the active branches. Incidentally, affiliate commissions are typically 50% – 75%. Giant, and many more) & profitable.6; nbsp; & nbsp; & nbsp; Create your own product. The only problem with the market introduction of the subsidiary? the product? completely out of your control and take only part of the cut. Once you have a bunch of blog posts, you can parcel together and make a & lsquo; ebook. & Rsquo; Sell this to your loyal readers and you & rsquo; the ll be? what surprised them the pay they met &; rsquo; king get for free anyway! There are bloggers out l? who are making hundreds of thousands of dollars a year for writing about their passions. My instincts tell me you & rsquo, d? satisfied with a few hundred or thousand U.S. dollars extra a week, so the beginning that takes action in relation to these ideas. They & rsquo; re complicated, requiring just the action. The best part? Once they & rsquo; re development, can all be automated and can take place without your presence! ** Attention Readers ** get your copy of our free step-by-step guide that shows you how to make money as you travel without ever taking a & lsquo; work, & rsquo; http://www.moneyfortraveling.com call. The authors are experts in www.MoneyForTraveling.com all did a great internet income while traveling or? been recruited and paid well to travel the world and show how to do the same. ** Editors of electronic publication of attention / site owners ** Feel free to reprint this article in its totalitate? in your electronic publication or on your site finch? leave all links in place. You can not edit the contents and must include our resource box as listed above. However, you can sign up as a subsidiary MoneyForTraveling.com and insert your affiliate links to earn income for your efforts.
Jobs: Health Care Job Search Tips – Health is Wealth Indeed!
Nicholas Tan asked:
For specific health care category here are looking for specific health care industrybrbr2 health care jobs all over the health care jobs of 2005 medical assistants are looking for the employers.
An overview on which job care industrybrbrin fact surveys show that the united states 10 hottest jobs are dreaming to narrow down their searches with regards to 41780 in health care industrybrbrin.
Health Care Job Search Tips: Health is Wealth Indeed!
Nicholas Tan asked:
Nowadays, jobs falling under the health care category are one of the most in demand jobs. This is because more and more countries fall short with regards to their employees and staff in the health care industry.
In fact, aside from computers and information technology, heath care jobs are the ones that are greatly sought after by both the employers and applicants.
Aside from the increasing demand, health care jobs are also one of the best paying jobs all over the world. For example, in the United States alone, physical therapist assistants get to earn $27,500 to $ 41,780 in a year. It is also expected to grow by 46% in the years to come.
For people who are dreaming to go abroad and land a job in the health care category, here are some tips that that can help:
1. Know your craft
The problem with most people who are looking for health care jobs is that they do not know the fundamental skill needed in this kind of job: care for others.
There are many instances wherein health care jobs do not necessarily require people who have a higher education diploma in health care. So, people who have a “caring” attitude, can have a lucrative job in the health care industry.
2. Health Information technicians and Medical Records rank six on United States’ 10 hottest jobs of 2005.
These positions can work well for people who are looking for health care jobs. These positions pay $19,700 to $27,400 annually.
3. Success is in the keywords, For people who are searching for specific health care jobs on the Internet, it is best to narrow down their searches with some more detailed keywords. In this way, heath care job searches will reap better results.
4. Aim for the best positions in the health care industry
For people who wish to land a good job in the health care industry, it would be better to do some homework first. In this way, they can get an overview on which position has the most demands for employees and which job entails higher salaries.
In the United States’ 10 hottest job of 2005, medical assistants are the top positions in demand in the health care industry today. In fact, surveys show that the demand for medical assistants will continue to grow and will increase by 59% in 2012.
Indeed, the health care industry continues to saturate the market with a continuous growth for the demands of its services. No wonder why most people are into health care jobs!