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Medicare Set-asides: The Next Major Workers’ Comp Cost Driver

As America's workforce gets older, it will have a significant impact on the cost structure of the workers' comp system due to requirements that insurers set aside large sums for medical outlays covered by Medicare. That's because the costs of claims involving injured workers who are near or older than retirement age tend to skyrocket. This issue could be the next major cost driver in workers' comp as more baby boomers, nearing retirement age, opt to stay in the workforce. Federal law requires that Medicare approve claims settlements of $25,000 or more for injured workers who are Medicare beneficiaries, who…

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Study: Processed Food Diet Can Put on the Pounds

A new study has found that following a diet that consists of processed foods can quickly result in weight gain. The study by a team of researchers at the National Institute of Diabetes and Digestive and Kidney Diseases in Bethesda, MD, was the first of its kind conducted on humans - and with astonishing results. In the study, 20 participants lived in a lab for four weeks, spending two weeks each on two types of diet: One rich in highly processed foods (like food out of a box or canned prepared food). One rich in whole foods, like whole grains,…

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Executive Order to Pave Way for Medicare Changes in 2020

Medicare changes in 2020 may be coming as President Trump recently announced an executive order that gives Medicare recipients more access to innovative and affordable plan options, as well make it easier to find physicians that take new Medicare patients. The order directs the Department of Health and Human Services to write new regulations and take administrative actions that would encourage Medicare Advantage insurers to offer plan designs with innovative new options like telemedicine services and supplemental benefits that plans do not currently offer. Under the executive order, HHS has a year to introduce new regulations and guidance and take…

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What to Do If Your Child Is Cyber-bullied or a Cyber-bully

Social media can be a great way to stay in touch with friends and family, but unfortunately, as it has evolved, so has a dark side that has caused plenty of children distress - some to the point of driving them to suicide. We are talking about the growing problem of cyber-bullying. Unfortunately, many kids are victims and others are perpetrators of online bullying. In both cases, you need to nip it in the bud. What is cyber-bullying? Cyber-bullying includes sending, posting or sharing negative, harmful, false or mean content about someone else on social media like Facebook, YouTube, Instagram…

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Changes Ahead for Medicare Plans for 2020

As open enrollment for Medicare is just around the corner, changes are coming for 2020 that all enrollees and those who are enrolling for the first time should be aware of. Some of the changes are routine, but there are a few regarding the availability of certain plans as well as significant changes to Medicare Advantage prescription drug plans. Below is a rundown of the changes coming for the 2020 policy year. Medicare Part B The monthly premium is projected to rise to $144.30 a month, up from $135.50 in 2019. Medicare supplements Two plans will disappear for new enrollees,…

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Your Fall Home Maintenance Checklist

Fall is here and you should use the time to enjoy the cool weather outdoors and take care of housekeeping chores before winter arrives. You should tackle any needed maintenance before the weather gets too cold and, if you live in a cold weather area, you could use the time to improve the energy efficiency of your home as well as take proactive measures to prevent damage from any winter storms that may pass through. To help you along the way, we've created a handy checklist for you to follow: Chore 1: Clean gutters and downspouts Once most of the…

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Reminder: Open Enrollment Begins Oct. 15!

You've probably read our earlier article reminding you about Medicare Open Enrollment, beginning Oct. 15. You can read the full story here. However, due to its importance, we just wanted to send a quick reminder that it begins October 15 and runs through December 7. That's not much time to get your plans together. So here's another reminder: We can help make this as easy and painless as possible. Premier Insurance Services began decades ago as a Medicare insurance provider. We have a deep knowledge of and experience in the Medicare system — meaning, you'll get every benefit possible and…

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Teens Drinking at Parties = Insurance Issues

As the new school year starts and high schoolers get into the groove of hanging out with friends, they may go to parties after their school football games on weekends. Unfortunately, these events often become occasions for teenagers to drink alcohol. Teens at unsupervised parties risk harming themselves and others when they drink. Parents of the kids that throw these parties (with or without their parents' knowledge or consent) may bear responsibility for what happens there - and for injuries or damages occurring after the guests leave. While their homeowner's liability coverage may cover any financial damages, the circumstances of…

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