Are Injuries on Commute or in Parking Lot Covered?

When employees are injured on the job, they are eligible for workers' compensation benefits, but not if the accident occurs on their commute to or from work — in most cases, at least.  But how about if an employee is injured in your parking lot, or while running an errand for you after work? There are two rules that govern at which point a worker is eligible for benefits if they sustain an injury: The 'coming and going' rule Typically, workers' comp benefits won't be paid for injuries sustained during a daily commute. This is known as the "coming and…

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Feeling Down? Here Are Eight Natural Ways to Brighten Your Mood

It's normal for our mood and energy levels to fluctuate every now and then. However, it can affect our daily routine, including how we normally function in our everyday lives. This is especially true now, as the COVID-19 pandemic will have long-term effects on our collective mental health. While we can't always control what triggers our stress and mood changes, there are certain steps you can take to controlling them without having to resort to alcohol or other vices. Below are eight ways that you can boost your mood and mindset naturally.   Exercise Physical activity is one of the…

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New Rules Clear Up Workers’ Comp, Medicare Conflicts

A new law will make it easier for insurers to settle workers' compensation claims with older workers who are enrolled in Medicare, in an attempt to resolve an issue that can sometimes drive up premiums for affected employers. The law adds transparency by letting workers' comp insurers inquire about whether Medicare may have been used to pay for any part of the claim. Often this is shrouded in secrecy, requiring the insurer to add reserves to the claim to pay for any potential demands from Medicare to recoup outlays it may have made for treatment of the worker. Medicare is…

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How Rear AEB Technology Reduces Fender Benders

Have you ever been tailgating, and then the driver in front of you suddenly slams on their brakes? That situation requires swift reaction to avoid a collision. Fortunately, advanced safety systems are being unveiled every day in the auto industry that can prevent those types of accidents and make our roads safer for all users. A recent study looked at two types of automatic emergency braking (AEB) systems that have been touted as reducing vehicle collisions. What they found surprised them: Rear AEB systems had a considerably larger effect on reducing fender benders, while front AEB systems had a greater…

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DOL Issues New Definition of Independent Contractor

In the last month of the Trump administration, the Labor Department finalized a regulation to clarify for employers which workers are employees and which are independent contractors. Because independent contractors are typically ineligible for employee benefits, businesses have an incentive to classify workers that way. The new regulation's purpose is to make answering the question easier. The regulation employs an "economic reality test" that courts have developed over the years. It asks "whether, as a matter of economic reality, the workers depend upon someone else's business for the opportunity to render service or are in business for themselves." This test…

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Simple Tips for Seniors to Avoid Medicare Fraud

Experts estimate that about $60 billion is lost annually due to Medicare fraud.  Consumers do not have to be Medicare beneficiaries to be affected by the high cost of fraud. Costs are passed down to all Americans in the form of increased insurance premiums, higher medical care outlays and inflated price tags on medical equipment.  Since Medicare fraud can affect any senior, it is beneficial to be proactive about preventing it. If any questions arise, you can call us to discuss a concern you may have about a potential fraud or scam. We may be able to refer policyholders to…

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EEOC Issues New COVID-19 Vaccination Guidelines for Employers

The Equal Employment Opportunity Commission has affirmed that employers can mandate COVID-19 vaccines for employees, subject to some limitations. The EEOC's updated guidance offers direction regarding employer-mandated vaccinations, accommodations for employees who cannot be vaccinated due to a disability or sincerely held religious belief, and certain implications of pre-vaccination medical screening questions under the Americans with Disabilities Act (ADA) and the Genetic Information Nondiscrimination Act. Asking a patient pre-screening questions is a routine part of a vaccination. These questions may constitute a "medical examination" as defined by the ADA. An employer must be able to show that the inquiries are…

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The 10 Most Expensive Prescription Drugs

Some people spend thousands of dollars a year on medications, and thanks to their insurance they may not have to pay full price for the pharmaceuticals their doctors prescribe. But there is a growing body of drugs that are breaking the bank for insurers and the people who need them. New, innovative medicines that drug companies make using cutting-edge technology and science, can come with hefty price tags. GoodRx.com, a website that provides coupons for purchasing prescription drugs, has published a list of the 10 most expensive drugs in the U.S. The list includes those that are available at pharmacies…

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