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The Dec Page

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Posted by Tracy Dacus on August 22, 2013 - 3:15pm
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When a business hires a temp employee through a service, whose workers’ comp pays if they are injured on the job?  

 

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Posted by Andy Adams on August 20, 2013 - 2:40pm
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CNBC has a flair for understatement AND slothfulness.  They have just discovered a "quirk" in Obamcare that "could financially penalize workers and their families."

Webster's defines "quirk" as a "peculiar trait."  I am not sure this qualifies:

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Posted by Andy Adams on August 16, 2013 - 10:21am
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This week revealed yet another delay in Obamacare.  This one concerns out-of-pocket limit for plans set out in the law.  Under this rule out-of-pocket costs may not exceed $6350 for individuals or $12700 for a family after January 1st.  The law also provides that for individual plans and small groups under 50 (in Texas or under 100 depending on the state), the deductible is limited to $2000.

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Posted by Tracy Dacus on August 6, 2013 - 5:24pm
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Wildfires can spread quickly and be devastating to both life and property, as we saw last month when 19 brave firefighters lost their lives in Arizona.  Colorado has been plagued by multiple forest fires this summer, displacing thousands.  The Bastrop wildfires in 2011 destroyed over 1,000 Texas homes.  

What can you do to protect your home from a fast-moving wildfire?  You can evacuate and rely on local authorities and firefighters to get it under control.  But if you have a Chubb Homeowner’s policy, you get an extra ‘layer’ of protection.  
 
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Posted by Tracy Dacus on August 2, 2013 - 2:54pm
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Did you ever wish you knew how to fix your own air conditioning system, rather than pay a guy $1,000 to get it running again?  Or that you could fix that leak in the ceiling without calling a plumber and a contractor?

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Posted by Andy Adams on July 30, 2013 - 11:01am
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I think we can safely categorize this under the things I am worried least about the Affordable Care Act: the fact that come January 1st, congressional staff will have to purchase health insurance through the federal exchange.  Guess who is upset by this prospect?  Congressional staff.  From the New York Times:

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Posted by Tracy Dacus on July 26, 2013 - 3:34pm
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Just imagine you are driving down the street when suddenly your car drops 10 feet down into a huge hole!  That’s what happened to Pamela Knox on July 3, 2013 in Toledo, Ohio.  Fortunately she wasn’t injured, and was helped out via ladder by a local fireman.  

 
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Posted by Andy Adams on July 24, 2013 - 11:02am
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President Obama has ramped up his efforts defending Obamacare by employing his favorite tactic, a speech.  He touted the MLR rebate checks being sent out (go here to see whether there is any real benefit), but we have heard this story before.  He also employed some new data from New York indicated that Obamacare will REDUCE premiums for individual health policies by up to 50%.  The President emphasized this point saying, "Think about that: 50% lower."  We will take his advice.
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Posted by Andy Adams on July 16, 2013 - 4:17pm
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After January 1st, when "community rating" kicks in for individuals and small groups under 50, claims will not be considered to determine health premiums.  Only two factors will be allowed to change the premiums offered by a plan to individuals and small groups under 50 in the same geographic area: age and smoking status.  The premium increase due to age will be limited to a 3 to 1 ratio.

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