Independent Contractor Insurance: ?No matter how cautiously you plan, or how nicely you keep an eye on safety, disasters and injuries occur, and unexpected circumstance could also make you lose a job! That’s when it turns out to be priceless to have ample insurance for independent contractors. Without sufficient insurance coverage, you could lose the business you’ve been working on to build and make it so possible. A sudden lawsuit can be extremely expensive for small business owners, which is why it comes in handy to invest in a good insurance for independent contractors.燭ypes of Insurance for Independent Contractors牋
General Liability Insurance: ?/b>This kind of insurance covers a range of claims, including incidents that occur at the office, on the business property, or some other accidents connected with business-owned vehicles. General… Continue reading
While you fret about the rising cost of health care, your leaders in the United States Senate have been secretly meeting to try to tackle the problem. There is a consensus among most people involved in the debate that all Americans should carry health insurance.
The next steps are
enforce the requirement that everyone have health insurance.
make insurance affordable.
require employers to help buy coverage for their employees.
As the meetings continue, lobbyists for the health care industry meet with lawmakers working toward universal health care, all of them trying to find common ground.
Even the White House stays informed and is hopeful that this effort will get everyone talking and excited about real health care legislation.
Obviously, everyone involved in the process has different ideas about how everything should go… Continue reading
In Michael Moore’s new movie “Sicko” about the health care industry in the USA, much is made of the fact that Health Maintenance Organizations (HMOs) often deny coverage to patients because they failed to declare ‘previously existing conditions’ in their application. In the movie “The Rainmaker,” a rookie lawyer defends a poor family against a decision by the insurer to deny their claim to benefits for treatment of their son who has leukemia. He wins the case, but the insurance company files for bankruptcy, so ends up paying nothing. “Never in Canada” you might say — but, alas, such is not the case.
Although in Canada we have government funded health insurance, there are a growing number of services for which OHIP does not pay. For example, OHIP does not pay… Continue reading
Generally most people, especially men, go to the doctor only when they have to. Sometimes that’s too late. Some years ago I went in for a “Wellness Check-up.” Everything was fine. In passing I mentioned to the doctor that I had a sore behind my ear that would not heal. He looked at it, decided he needed to do a biopsy and discovered the sore would not heal because it was basil cell carcinoma. I’m glad I caught it when I did. About a month later I had a simple operation as an out-patient that took care of the problem.
Most insurance policies include “Preventive Care” benefits, sometimes called wellness care or well-child care. This provision can include a wide range of services, e.g.
We are all familiar with the concept of health insurance and most people have it in some form or another, but have you ever stopped to wonder how it all began? The idea of paying monthly or annual fees to cover the cost of our health issues seems to be a modern one, but the truth is that there is a long history behind it.
Centuries OldThe original idea of health insurance was brought into being by Hugh Chamberlen in 1694. By the time the 1800`s rolled around, people were able to buy accident insurance, which worked to help those who were injured in an accident or who ended up disabled.
The very first health plans only offered compensation if the victim was injured due to an accident on a steamboat or… Continue reading