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Majority Have Little Or No Knowledge Of How Self Insured Groups Work

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Majority Have Little or No Knowledge of How Self-Insured Groups Work

by

Hale Johnston

EMPLOYERS latest SIG-related poll results come at a time of continued financial challenges for some large SIGs and their members around the country. In California, a workers compensation SIG for restaurants, golf courses and country clubs recently announced a $42 million assessment on its member businesses to make up for the group s insufficient reserves. The assessment means costs of tens of thousands of dollars or more to the member companies, including many that are former members. And recently a health-care industry SIG also announced an assessment to its members which was necessary to comply with California financial standards and to shore up a $25 million reserve deficit.

Four out of ten small business decision-makers incorrectly believe that SIG members are not financially responsible for the claims of each of the group s other member companies, according to the latest EMPLOYERS Small Business Opinion Poll. This lack of SIG knowledge is not limited to the general small business population. Thirty-nine percent of small businesses who are currently or were part of a SIG incorrectly believe SIG members are not financially responsible for the workers compensation claims of each of the other companies in their SIG, not just their own businesses.

EMPLOYERS Small Business Opinion Poll Snapshot:

73 percent have little or no knowledge of how SIGs work

40 percent of all small business decision-makers polled don t realize SIG members are financially responsible for each of the other member company claims

39 percent of current and former SIG members don t realize they are responsible for claims of each of the other member companies

[youtube]http://www.youtube.com/watch?v=rwhw-Inji0k[/youtube]

31 percent believe saving money on annual premiums outweighs the financial risk of a SIG failure

25 percent incorrectly believe that their claim liability ceases when they leave a SIG

Selecting Workers\’ Compensation Coverage

When selecting a workers\’ compensation insurance carrier, price logically serves as a deciding factor and is certainly important. However, it\’s also important for businesses to consider long-term cost savings that can be achieved through value-added programs such as loss control, anti-fraud and managed care programs that are offered by private insurance carriers.

Following are questions businesses should ask if they are already members of or are considering leaving self-insured groups.

Nine Questions Businesses Should Ask Their Self-Insured Group Administrator:

1. How well funded is the self-insured group?

2. How many claims have occurred while my company has been a member?

3. What is the expected lifetime cost of each of these claims?

4. What does joint and several liability mean to my business?

5. What is my company s exposure if another member of the self-insured group has a claim?

6. Can a claimant sue my company for the full cost of a claim?

7. What liabilities does my company have if I leave the self-insured group?

8. What are the legal requirements of leaving a self-insured group?

9. Will I need to re insure any costs related to claims that occurred while I was part of the self-insured group?

About the Small Business Opinion Poll

The study commissioned by EMPLOYERS surveyed 501 owners or managers of small businesses with 1-99 full-time employees. Data was collected through telephone interviews during the period May 9 May 17, 2012 at the 95 percent confidence level. The sample is stratified across business size and industry grouping, including manufacturing/construction, transportation/ communication, wholesale/retail, financial services, or personal/professional services businesses. The survey was conducted by ORC International through its Small Business CARAVAN.

Hale Johnston is Senior Vice President, Regional Manager of the Pacific Region for EMPLOYERS . Additional information can be found at

employers.com

Article Source:

ArticleRich.com

  • 27 Sep, 2020
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Report from Royal International Air Tattoo 2009

Sunday, July 19, 2009The Royal International Air Tattoo is the largest military air show in the world. It is held every year on the third weekend of July at RAF Fairford base in Wiltshire, UK. This year it attracted in excess of 160,000 visitors.

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  • 26 Sep, 2020
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University of Southern California spit test predicts cavities

Monday, February 21, 2005

Los Angeles, California —A simple saliva test can predict whether children will get cavities, how many cavities they will get and which teeth are most vulnerable.

Developed by researchers at the University of Southern California in Los Angeles, the test quantifies the genetic component of tooth decay, spotting the risk when something can be done about it.

“When we apply this to young children, it allows us to predict what might be their future caries history—the number of cavities that they’ll get by, say, their late 20s or early 30s,” says researcher Paul Denny.

Called the Caries Assessment and Risk Evaluation (CARE) test, the test measures the relative proportions in saliva of different types of sugar chains called oligosaccharides. The same sugar chains are present on tooth surfaces.

The effect of sugar chains on teeth’s resistance to disease is analogous to the effect of “good” and “bad” cholesterol on blood vessels. “Good” sugar chains tend to repel bacteria that cause cavities while “bad” allow bacteria to bond to teeth and start the decay process. Unlike cholesterol, however, sugar chain makeup in humans is 100% genetically determined.

Denny and colleagues have found that the sugar chain makeup in saliva can predict a child’s future cavity history to plus or minus one cavity with greater than 98% confidence.

The findings suggest that in developed areas of the modern era genes play a more significant role in tooth decay than in former times or third world nations where gross malnutrition and negligent oral hygiene held the greatest impact on dental health.

[edit]

Retrieved from “https://en.wikinews.org/w/index.php?title=University_of_Southern_California_spit_test_predicts_cavities&oldid=850592”
  • 23 Sep, 2020
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Gulf of Mexico oil spill expanding; submarines to try to stop leak

Tuesday, April 27, 2010

After an explosion aboard an oil rig four days ago, an oil spill caused by the sinking of the rig has expanded to cover an area of around 600 square miles (1550 square kilometers), and efforts to shut off the leak have thus far been unsuccessful.

Officials have begun to use robotic submersible vehicles to stop the leak. The efforts began yesterday, although it could be as late as tomorrow before they are completed. The vehicles will attempt to engage a device called a blowout preventer, which can seal the well shut to prevent sudden releases of pressure within the well, like the one that may have caused the rig to explode. According to BP, the company that operated the well, the attempt was the first of its kind in the world.

The leaks are on a pipe from the ocean floor called a riser. They are currently estimated to be releasing around 42,000 gallons of oil a day into the Gulf of Mexico, and the oil slick on the surface of the ocean is estimated to cover an area about 48 by 39 miles at its widest points. Officials say oil is not expected to reach land until at least Thursday, and would remain at least 30 miles from land through Tuesday. The impact of the spill on wildlife is currently unknown; there have been no reports of animal casualties, though whales were seen in the vicinity of the spill yesterday.

According to officials, there are two other possible ways to contain the oil spill if the attempt to seal the well is unsuccessful. One option would be to install a large dome over the leak and send the collected oil to the surface, where it would be collected by ships. This has been done before, although only in shallow water. The second option is to drill an entirely new well that would intersect the original, although this could take months to complete.

Retrieved from “https://en.wikinews.org/w/index.php?title=Gulf_of_Mexico_oil_spill_expanding;_submarines_to_try_to_stop_leak&oldid=3292127”
  • 21 Sep, 2020
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When Considering A Boarding School

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Submitted by: Kain Black

We all want our child to get the best of education and facilities. Perhaps you are looking for a good boarding school to help your child in his educational pursuits. It is definitely a good option as boarding schools have to offer a lot better in terms of education and over all development for your child. Conventional schooling methods are not always very effective for children as each child has a unique mindset and a different personality.

Whether your child is an average or gifted specially, the environment in a boarding school is conducive to bring out the best in every child.

[youtube]http://www.youtube.com/watch?v=qrXve-j_SC8[/youtube]

Boarding school offers a complete education with a whole lot of extracurricular activity so as to help the child keep on learning and developing his abilities outside the class room. Specific programs are drawn to meet the needs of your child. The boarding school is generally run by private administrators, hence be prepared to pay higher fees but it is all worth in the end, as you are getting the best education for your child and the ideal environment for him to grow in. But, how to choose the best boarding school for your child? Well, this is what we are going to discuss in this article.

There could be different aspects looked at by parent when selecting a boarding school. The first and the foremost criteria is budget. As boarding schools tend to bee expensive, on needs to keep the costs involved as your child is going to be there for a couple of years. Hence you should add up all the expenditure before deciding. And don t expect the tuition fee to be the only expense. You have to give an allowance to your child and there will be other expenditures too, like when visit your child. It is advisable to not to send your child too far away from home and put him or her in a nearby boarding school. So your budget and location of the boarding should be the top criteria when choosing a boarding school.

Once the location and budget is sorted out, you should keep in mind that they should not be your only decisive factors. You have to look at the reputation of the boarding school too. Study their reputation and look at their past records. Get in touch with children and parents who have already been to that school and take their feedback. Study the faculties and programs they offer. One of the best ways to learn about a certain boarding school is to go to their website, where you will get the complete information. Take a virtual tour of their campus to get an idea about their campus. Read the profiles of school officials and their qualifications and experience.

Visit a couple of boarding school with your child if possible. This will help you make better decision and select the best option for your child for a boarding school. It is best to be step cautiously and take the right decision.

About the Author: Boarding school offers a complete education with a whole lot of extracurricular activity so as to help the child keep on learning and developing his abilities outside the class room. For more visit –

ocrs.com/

Source:

isnare.com

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isnare.com/?aid=1435632&ca=Parenting

  • 21 Sep, 2020
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Australia/2006

Contents

  • 1 January
  • 2 February
  • 3 March
  • 4 April
  • 5 May
  • 6 June
  • 7 July
  • 8 August
  • 9 September
  • 10 October
  • 11 November
  • 12 December

[edit]

Retrieved from “https://en.wikinews.org/w/index.php?title=Australia/2006&oldid=804654”
  • 20 Sep, 2020
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Wikinews interviews Duncan Campbell, co-founder of wheelchair rugby

Friday, September 7, 2012

London, England — On Wednesday, Wikinews interviewed Duncan Campbell, one of the creators of wheelchair rugby.

((Laura Hale)) You’re Duncan Campbell, and you’re the founder of…

Duncan Campbell: One of the founders of wheelchair rugby.

((Laura Hale)) And you’re from Canada, eh?

Duncan Campbell: Yes, I’m from Canada, eh! (laughter)

((Laura Hale)) Winnipeg?

Duncan Campbell: Winnipeg, Manitoba.

((Laura Hale)) You cheer for — what’s that NHL team?

Duncan Campbell: I cheer for the Jets!

((Laura Hale)) What sort of Canadian are you?

Duncan Campbell: A Winnipeg Jets fan! (laughter)

((Laura Hale)) I don’t know anything about ice hockey. I’m a Chicago Blackhawks fan.

((Hawkeye7)) Twenty five years ago…

Duncan Campbell: Thirty five years ago!

((Laura Hale)) They said twenty five in the stadium…

Duncan Campbell: I know better.

((Hawkeye7)) So it was 1977.

((Laura Hale)) You look very young.

Duncan Campbell: Thank you. We won’t get into how old I am.

((Hawkeye7)) So how did you invent the sport?

Duncan Campbell: I’ve told this story so many times. It was a bit of a fluke in a way, but there were five of us. We were all quadriplegic, that were involved in sport, and at that time we had the Canadian games for the physically disabled. So we were all involved in sports like table tennis or racing or swimming. All individual sports. And the only team sport that was available at that time was basketball, wheelchair basketball. But as quadriplegics, with hand dysfunction, a bit of arm dysfunction, if we played, we rode the bench. We’d never get into the big games or anything like that. So we were actually going to lift weights one night, and the volunteer who helped us couldn’t make it. So we went down to the gym and we started throwing things around, and we tried a few things, and we had a volleyball. We kind of thought: “Oh! This is not bad. This is a lot of fun.” And we came up with the idea in a night. Within one night.

((Hawkeye7)) So all wheelchair rugby players are quadriplegics?

Duncan Campbell: Yes. All wheelchair rugby players have to have a disability of some kind in all four limbs.

((Laura Hale)) When did the classification system for wheelchair rugby kick in?

Duncan Campbell: It kicked in right away because there was already a classification system in place for wheelchair basketball. We knew basketball had a classification system, and we very consciously wanted to make that all people with disabilities who were quadriplegics got to play. So if you make a classification system where the people with the most disability are worth more on the floor, and you create a system where there are only so many points on the floor, then the people with more disability have to play. And what that does is create strategy. It creates a role.

((Hawkeye7)) Was that copied off wheelchair basketball?

Duncan Campbell: To some degree, yes.

((Laura Hale)) I assume you’re barracking for Canada. Have they had any classification issues? That made you

Duncan Campbell: You know, I’m not going to… I can’t get into that in a major way in that there’s always classification issues. And if you ask someone from basketball, there’s classification issues. If you ask someone from swimming… There’s always classification issues. The classifiers have the worst job in the world, because nobody’s ever satisfied with what they do. But they do the best they can. They’re smart. They know what they’re doing. If the system needs to change, the athletes will, in some way, encourage it to change.

((Laura Hale)) Do you think the countries that have better classifiers… as someone with an Australian perspective they’re really good at classification, and don’t get theirs overturned, whereas the Americans by comparison have had a number of classification challenges coming in to these games that they’ve lost. Do you think that having better classifiers makes a team better able to compete at an international level?

Duncan Campbell: What it does is ensures that you practice the right way. Because you know the exact classifications of your players then you’re going to lineups out there that are appropriate and fit the classification. If your classifications are wrong then you may train for six months with a lineup that becomes invalid when that classification. So you want to have good classifiers, and you want to have good classes.

((Laura Hale)) When you started in 1977, I’ve seen pictures of the early wheelchairs. I assume that you were playing in your day chair?

Duncan Campbell: Yes, all the time. And we had no modifications. And day chairs at that time were folding chairs. They were Earjays or Stainless. That’s all the brands there were. The biggest change in the game has been wheelchairs.

((Laura Hale)) When did you retire?

Duncan Campbell: I never retired. Still play. I play locally. I play in the club level all the time.

((Laura Hale)) When did you get your first rugby wheelchair?

Duncan Campbell: Jesus, that’s hard for me to even think about. A long time ago. I would say maybe twenty years ago.

((Laura Hale)) Were you involved in creating a special chair, as Canadians were pushing the boundaries and creating the sport?

Duncan Campbell: To a degree. I think everybody was. Because you wanted the chair that fit you. Because they are all super designed to an individual. Because it allows you to push better, allows you to turn better. Allows you to use your chair in better ways on the court. Like you’ve noticed that the defensive chairs are lower and longer. That’s because the people that are usually in a defensive chair have a higher disability, which means they have less balance. So they sit lower, which means they can use their arms better, and longer so they can put screens out and set ticks for those high point players who are carrying the ball. It’s very much strategic.

((Hawkeye7)) I’d noticed that in wheelchair basketball the low point player actually gets more court time…

Duncan Campbell: …because that allows the high point player to play. And its the same in this game. Although in this game there’s two ways to go. You can go a high-low lineup, which is potentially two high point players and two very low point players, which is what Australia does right now with Ryley Batt and the new kid Chris Bond. They have two high point players, and two 0.5 point players. It makes a very interesting scenario for, say, the US, who use four mid-point players. In that situation, all four players can carry the ball; in the Australian situation, usually only two of them can carry the ball.

((Laura Hale)) Because we know you are going soon, the all-important question: can Canada beat the Australians tonight?

Duncan Campbell: Of course they are. (laughter)

((Laura Hale)) Because Australians love to gamble, what’s your line on Canada?

Duncan Campbell: It’s not a big line! I’m not putting a big line on it! (laughter) I’d say it’s probably 6–5.

((Hawkeye7)) Is your colour commentary for the Canadian broadcast?

Duncan Campbell: That was for the IPC. I did the GB–US game this morning. I do the Sweden–Australia game tomorrow at two. And then I’m doing the US–France game on the last day.

((Laura Hale)) Are you happy with the level of coverage the Canadians are providing your sport?

Duncan Campbell: No.

((Laura Hale)) Thank you for an honest answer.

Duncan Campbell: Paralympic Sports TV is their own entity. They webcast, but they’re not a Canadian entity. Our Canadian television is doing… can I swear?

((Laura Hale)) Yeah! Go ahead!

Duncan Campbell: No! (laughter) They’re only putting on an hour a day. A highlight package, which to me is…

((Hawkeye7)) It’s better than the US.

Duncan Campbell: Yes, I’ve heard it’s better than the US. At the same time, it’s crap. You have here [in Great Britain], they’ve got it on 18 hours a day, and it’s got good viewership. When are we going to learn in North America that viewership is out there for it? How many times do we have to demonstrate it? We had the Paralympics in Vancouver two years ago, the Winter Paralympics, and we had crappy coverage there. There was an actual outburst demand to put the opening ceremonies on TV because they weren’t going to do it. And they had to do it, because everybody complained. So they did it, but they only did it in BC, in our home province, where they were holding it. The closing ceremonies they broadcast nationally because the demand was so high. But they still haven’t changed their attitudes.

((Laura Hale)) I have one last question: what did it mean for you when they had a Canadian flag bearer who was a wheelchair rugby player?

Duncan Campbell: I recruited that guy. It was fantastic. I recruited him. Found him playing hockey. And that guy has put in so much time and effort into the game. He absolutely deserves it. No better player.

((Laura Hale)) Thank you!

((Hawkeye7)) Thank you! Much appreciated.

Retrieved from “https://en.wikinews.org/w/index.php?title=Wikinews_interviews_Duncan_Campbell,_co-founder_of_wheelchair_rugby&oldid=2324301”
  • 20 Sep, 2020
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News briefs:July 28, 2010

Wikinews Audio Briefs Credits
Produced By
Turtlestack
Recorded By
Turtlestack
Written By
Turtlestack
Listen To This Brief

Problems? See our media guide.

[edit]

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  • 17 Sep, 2020
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Instructions For Salton Yogurt Maker

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Instructions For Salton Yogurt Maker By Atica Brewton

Making yogurt with the Salton Yogurt Maker is fun, easy and worry-free. A few things you’ll need are milk, powdered milk for thickening, a thermometer and a yogurt starter. Be sure your yogurt maker is clean before starting. It will provide a stable temperature for incubating the yogurt. In this article you will find the best instructions for Salton Yogurt Maker.

1. Add ½ cup of dry milk powder to 1 qt of whole or skim milk.

The milk should be heated on the stove to 185-190°F, stirring frequently.

2. While you’re waiting for the milk to heat, plug in your yogurt maker so it can be warming up.

3. Let the milk cool to 110-115°F. I usually place the pot in a large bowl of ice water, stirring the milk until it’s cooled to the right temperature.

4. Pour about 1/3 of the milk into a separate clean container and add ½ cup of plain yogurt with active cultures or 1 pack of yogurt starter. Stir until mixed evenly.

5. Pour this starter mix into the remaining milk and stir.

6. Finally, pour the milk into your pre-heated yogurt maker.

7. You should allow the yogurt to incubate 6-12 hours. The longer it is heated, the more tart the taste.

8. When the batch is done, put the container in the frigerator and allow it to cool for several hours or overnight. The yogurt will thicken as it cools.

Now you have a wonderfully delicious batch of plain yogurt. If you like it flavored, add some maple syrup, honey, fruit or jam.

Homemade yogurt is a healthy alternative to store-bought brands. You have control over the ingredients and there’s no risk of eating unhealthy additives and sugars. The Salton Yogurt Maker is inexpensive and easy to use. You don’t have to part with large sums of your hard-earned money for a more expensive unit. Making homemade yogurt is exciting and I hope you find these instructions for Salton Yogurt Maker useful.

The author’s website Yogurt Maker Enthusiast features tips on yogurt, using a yogurt maker, yogurt starters and homemade yogurt recipes.

  • 17 Sep, 2020
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Air Zimbabwe pilots ‘face dismissal’ over pay strike

Friday, September 10, 2010

Striking pilots at Air Zimbabwe have been told that they could lose their jobs if they don’t return to work. The pilots are currently on the third day of striking over a pay dispute. Their wage is currently $2,500 a month, but the pilots are currently receiving just $1,200.

Jonathan Kadzura, board chairperson for Air Zimbabwe released a statement saying “The board and management have resolved to give them a 24-hour notice to go back to work. It must be understood clearly that the industrial action is illegal and if they do not go back to work inside the 24 hours, legal and disciplinary action will be taken.” He added that “Government does not have any money”.

Air Zimbabwe can’t afford to pay the airliner’s force of 60 pilots their full wage but has promised to make up all back-pay.

In the time that the staff have been striking Air Zimbabwe been forced to use pilots from private South African airline Quaries to cover local routes. The strike has cost the company around $500,000.

Retrieved from “https://en.wikinews.org/w/index.php?title=Air_Zimbabwe_pilots_%27face_dismissal%27_over_pay_strike&oldid=4540579”
  • 15 Sep, 2020
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