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Risk management --- Risk (Insurance) --- Insurance --- Self-insurance
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Workers' compensation. --- Workers' compensation --- Self-insurance.
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This report contains an overview of seven national surveys that are representative random samples of self-insured and other employee plans, compiled by RAND's Center for the Study of Employee Health Benefits at the request of the Pension and Welfare Benefits Administration of the Department of Labor. A basic picture of self-insured plans as they exist under current federal law is necessary to evaluate the effect on these plans of any proposed changes to the Employee Retirement Income Security Act (ERISA). The data source tables in the report represent the first task in the overall project.
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Mark V. Pauly offers a detailed look at the individual insurance market in the United States. He explains how it works, suggests approaches to improvement that build on what currently works well, and provides a realistic assessment of how much improvement we can demand and expect. He concludes that, although there are some serious deficiencies in today's individual insurance market, there are also some important advantages in this market that should be preserved.
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"The future of employer-provided health insurance is a #1 concern for business owners, financial executives and insurance professionals. Existing "health insurance" books focus only on public policy or consumers. Using the techniques outlined in this book, employers and their workers learn to save money on health insurance by migrating from group to individual plans at a total cost that is 20-60% lower for the same coverage (That's a savings of $4,000-$12,000 per year for a family of four). We are at the beginning of a huge transformation in the health insurance industry in which 120 million people are expected to move from group to individual insurance by 2025. Similar to the shift from defined benefit pensions to defined contribution 401(k) plans, the end of employer-provided health insurance will create opportunities for new entrants the way 401(k) plans led to the massive growth of Schwab, Fidelity and Vanguard"--
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Insurance companies --- Risk (Insurance) --- Self-insurance --- Captive companies
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The struggle with employer-sponsored benefits plans isn't new. Employees want high levels of coverage without high premiums or co-payments. Employers want costs managed without compromising quality of service. One way to meet all of these goals is to self-insure benefits programs and transfer the risk away from a third party to the organization and its employees. Originally published by American Compensation Association (WorldatWork) in 1997, Self-Insuring Benefits Programs has been significantly updated and expanded to walk readers through everything from conducting an audit of the existing p
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You no longer need a traditional employer plan to get good, affordable health insurance. The New Health Insurance Solution can help you cut your health insurance costs in half if: You're self-employed, an independent contractor, or your employer doesn't provide health insurance (you can probably get coverage on your own for about 94/month-a fraction of what an employer would have to pay for the same coverage)You are employed and pay extra to cover your spouse or children under your employer-sponsored plan-you may save 50% by taking them off your employer planYou own a small bu
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