In my constant effort to keep on top of all the current statistics regarding our aging population and how long term care insurance can benefit them, I came across this interesting study done by MetLife. Here is the synopsis, again all credit for information goes to MetLife: Since 2007, the MetLife Mature Market Institute (MMI)» Read Full Article

The American Association for Long Term Care Insurance suggests the following tips that can help you significantly reduce the cost of insurance coverage. Leverage Your Good Health:Insurers will require you meet certain health qualifications to obtain coverage. Discounts are provided to those in good health and 62% of applicants between ages 40-49 qualified in 2009.» Read Full Article

A fleet of any size (simply the use of vehicles in a company or organization), is an exposure which can generate losses for the organization in all four categories: property, human resources, liability and net income. Risk managers recognize the importance of well-designed and properly implemented fleet safety programs. The new twist is that new technology» Read Full Article

Recent heavy rains have overburdened sewer systems, causing raw sewage to back up into drains in homes throughout the country. Backed up sewers can wreak havoc on a home, causing thousands of dollars in damage to floors, walls, furniture and electrical systems. Sewer backups or the inability of sump pumps to handle runoff water from» Read Full Article

Cooperate in setting up the appointment.  If the Loss Control Consultant has to make several calls, it sets up a poor first impression. Provide enough time to do the survey. Ask how long the Loss Control Consultant needs to adequately cover all the questions. Provide multiple contacts if necessary.The Loss Control Consultant can get more details» Read Full Article

According to the Insurance Information Institute (III), dog bite claims cost insurers about $387.2 million in 2008. Here are some other interesting facts: The Centers for Disease Control and Prevention estimate that dogs bite 4.7 million people annually, resulting in 800,000 injuries that require emergency medical attention. Almost half of them are children. The average» Read Full Article

The Wisconsin Department of Workforce Development has expanded their scope of potential situations where workers compensation benefits may be suspended as the result of termination – here are the three exceptions.

Here are some topics that are generally covered in a loss control visit. If there are any questions you can’t answer during the visit, be sure to get the answers and relay them as quickly as possible. An answer of “I don’t know” can be taken negatively. Operations: Detailed Description of Operations Any subcontracted work to» Read Full Article

Economy has more employers taking defensive action regarding employment liability insurance.

Keeping track of claim reserves can help control WC costs and help the experience mod for Wisconsin businesses.