Basic health interventions can help your business lower short-term disability rates, while reducing your employees’ time away from work. That’s the bottom line of a nationwide study of 118,000 employees by CIGNA, a major health services
company.
CIGNA found that these measures, combined with predictive analytics, cut disability rates by 15% among employees at high risk of suffering disability within in the next 12 months. (The study defined “high risk” as a 10% or greater probability of becoming disabled during this period).
“By identifying workers at high risk of future short-term disability and providing individualized intervention that includes coaching, incentives, and other outreach, our study shows that the onset of disability absence can be reduced measurably, benefiting employers and employees alike,” says Dr. Robert N. Anfield, chief medical officer for CIGNA’s Disability business. Future studies will deal with the impact of intervention on the length of short-term disability, return-to-work rates, and total medical costs.
The company’s Absence Prediction and Prevention program establishes an intervention, led by a nurse/health advocate, that provides:
Early identification of workers at high risk for future short-term disability.
Proactive outreach to these employees.
Clinical Assessment.
A range of disability absence prevention strategies.
By proactively identifying employees who might be having health problems before their condition worsens and they need to leave work, you can help workers stay healthy and potentially prevent or lessen the impact of injuries or illness – which translates into lower absenteeism, higher productivity, and a healthier bottom line.
It makes sense to develop an absence prevention program that emphasizes preventive health safety training. As always, we stand ready to offer our advice.
Umbrella Insurance is a supplement to your existing policies that offers up to $1 million or more in additional coverage beyond what is available from your auto, homeowner’s, and other property or vehicle policies.
So why should you make it a part of your insurance portfolio? Here are three situations where umbrella insurance can help.
Do you have a rental property or rent out your home?
Umbrella insurance covers liability on rental units. If you own a rental property or vacation rental, umbrella coverage can be invaluable for you as a property owner. Many things can a do go wrong when you rent out your property. Be sure you are protected with an umbrella policy.
If you are responsible for a serious accident.
Auto insurance is designed to protect you in case of an accident for which you are held responsible, but this does not mean that the amount of insurance coverage you currently have will be enough to cover all damage caused in some situations. If you cause an accident with a high-value vehicle or there are serious personal injuries that need to be paid for, you may quickly exhaust your automobile insurance coverage. With umbrella coverage, you’ll have an extra policy so you do not end up paying for these expenses out of pocket.
What about other vehicles?
Boats, motorcycles, and other personal pleasure vehicles can present you with unexpected liability issues for which your existing insurance policies may not cover. Asking your insurance agent about umbrella insurance and if it may help supplement your current coverage could prevent financial disaster.
Scurich Insurance Servicescan help you see how umbrella coverage could benefit you. Call them today! 800-320-3666
Financial responsibility is required on any vehicle operated or parked on California roadways.
You must carry evidence of financial responsibility in your vehicle at all times.
What Are the Minimum Liability Insurance Requirements for Private Passenger Vehicles?
$15,000 for injury/death to one person.
$30,000 for injury/death to more than one person.
$5,000 for damage to property.
While the minimum requirements are the law, most vehicles today are worth more than $5,000 and medical costs far exceed the minimum as well. Raising your liability limits is not only wise, but the cost is very reasonable. Also, did you know that by having the other policies you need for home and life insurance can give you a discount on your car insurance?Scurich Insurance Services can help you make the best decision for your circumstances. Contact them today! 800-320-3666
Three teenagers were arrested yesterday for their parts in a residential burglary on the 200 block of Brennan Street.
Watsonville police were dispatched to the house at 1:07 p.m. after a witness reported seeing one male acting as a lookout while two other males had entered through the backyard of the residence, Sgt. Mike McKinley said.
Both the lookout and the two boys inside were quickly detained and arrested.
Officers determined that the duo in the house entered through an unlocked kitchen window. They were unable to steal anything before police arrived, McKinley said.
The suspects, (14, 14, and 15-years-old) were arrested for burglary and conspiracy to commit a crime. The 15-year-old was on probation and also charged with probation violation.
Anyone with information regarding the incident is encouraged to call the Watsonville Police Department Investigation Division at 768-3350 or the Watsonville Police Tipline at 768-3544.
