Coverage Matters

Coverage Matters

PDF Coverage Matters Download

  • Author: Institute of Medicine
  • Publisher: National Academies Press
  • ISBN: 0309076099
  • Category : Medical
  • Languages : en
  • Pages : 204

Roughly 40 million Americans have no health insurance, private or public, and the number has grown steadily over the past 25 years. Who are these children, women, and men, and why do they lack coverage for essential health care services? How does the system of insurance coverage in the U.S. operate, and where does it fail? The first of six Institute of Medicine reports that will examine in detail the consequences of having a large uninsured population, Coverage Matters: Insurance and Health Care, explores the myths and realities of who is uninsured, identifies social, economic, and policy factors that contribute to the situation, and describes the likelihood faced by members of various population groups of being uninsured. It serves as a guide to a broad range of issues related to the lack of insurance coverage in America and provides background data of use to policy makers and health services researchers.


Care Without Coverage

Care Without Coverage

PDF Care Without Coverage Download

  • Author: Institute of Medicine
  • Publisher: National Academies Press
  • ISBN: 0309083435
  • Category : Medical
  • Languages : en
  • Pages : 213

Many Americans believe that people who lack health insurance somehow get the care they really need. Care Without Coverage examines the real consequences for adults who lack health insurance. The study presents findings in the areas of prevention and screening, cancer, chronic illness, hospital-based care, and general health status. The committee looked at the consequences of being uninsured for people suffering from cancer, diabetes, HIV infection and AIDS, heart and kidney disease, mental illness, traumatic injuries, and heart attacks. It focused on the roughly 30 million-one in seven-working-age Americans without health insurance. This group does not include the population over 65 that is covered by Medicare or the nearly 10 million children who are uninsured in this country. The main findings of the report are that working-age Americans without health insurance are more likely to receive too little medical care and receive it too late; be sicker and die sooner; and receive poorer care when they are in the hospital, even for acute situations like a motor vehicle crash.


Model Rules of Professional Conduct

Model Rules of Professional Conduct

PDF Model Rules of Professional Conduct Download

  • Author: American Bar Association. House of Delegates
  • Publisher: American Bar Association
  • ISBN: 9781590318737
  • Category : Law
  • Languages : en
  • Pages : 216

The Model Rules of Professional Conduct provides an up-to-date resource for information on legal ethics. Federal, state and local courts in all jurisdictions look to the Rules for guidance in solving lawyer malpractice cases, disciplinary actions, disqualification issues, sanctions questions and much more. In this volume, black-letter Rules of Professional Conduct are followed by numbered Comments that explain each Rule's purpose and provide suggestions for its practical application. The Rules will help you identify proper conduct in a variety of given situations, review those instances where discretionary action is possible, and define the nature of the relationship between you and your clients, colleagues and the courts.


America's Uninsured Crisis

America's Uninsured Crisis

PDF America's Uninsured Crisis Download

  • Author: Institute of Medicine
  • Publisher: National Academies Press
  • ISBN: 0309140889
  • Category : Medical
  • Languages : en
  • Pages : 238

When policy makers and researchers consider potential solutions to the crisis of uninsurance in the United States, the question of whether health insurance matters to health is often an issue. This question is far more than an academic concern. It is crucial that U.S. health care policy be informed with current and valid evidence on the consequences of uninsurance for health care and health outcomes, especially for the 45.7 million individuals without health insurance. From 2001 to 2004, the Institute of Medicine (IOM) issued six reports, which concluded that being uninsured was hazardous to people's health and recommended that the nation move quickly to implement a strategy to achieve health insurance coverage for all. The goal of this book is to inform the health reform policy debateâ€"in 2009â€"with an up-to-date assessment of the research evidence. This report addresses three key questions: What are the dynamics driving downward trends in health insurance coverage? Is being uninsured harmful to the health of children and adults? Are insured people affected by high rates of uninsurance in their communities?


News That Matters

News That Matters

PDF News That Matters Download

  • Author: Shanto Iyengar
  • Publisher: University of Chicago Press
  • ISBN: 0226388603
  • Category : Political Science
  • Languages : en
  • Pages : 214

Almost twenty-five years ago, Shanto Iyengar and Donald R. Kinder first documented a series of sophisticated and innovative experiments that unobtrusively altered the order and emphasis of news stories in selected television broadcasts. Their resulting book News That Matters, now hailed as a classic by scholars of political science and public opinion alike, is here updated for the twenty-first century, with a new preface and epilogue by the authors. Backed by careful analysis of public opinion surveys, the authors show how, despite changing American politics, those issues that receive extended coverage in the national news become more important to viewers, while those that are ignored lose credibility. Moreover, those issues that are prominent in the news stream continue to loom more heavily as criteria for evaluating the president and for choosing between political candidates. “News That Matters does matter, because it demonstrates conclusively that television newscasts powerfully affect opinion. . . . All that follows, whether it supports, modifies, or challenges their conclusions, will have to begin here.”—The Public Interest


Health Insurance is a Family Matter

Health Insurance is a Family Matter

PDF Health Insurance is a Family Matter Download

  • Author: Institute of Medicine
  • Publisher: National Academies Press
  • ISBN: 9780309169059
  • Category : Medical
  • Languages : en
  • Pages : 296

Health Insurance is a Family Matter is the third of a series of six reports on the problems of uninsurance in the United Sates and addresses the impact on the family of not having health insurance. The book demonstrates that having one or more uninsured members in a family can have adverse consequences for everyone in the household and that the financial, physical, and emotional well--being of all members of a family may be adversely affected if any family member lacks coverage. It concludes with the finding that uninsured children have worse access to and use fewer health care services than children with insurance, including important preventive services that can have beneficial long-term effects.


Everybody Matters

Everybody Matters

PDF Everybody Matters Download

  • Author: Bob Chapman
  • Publisher: Portfolio
  • ISBN: 1591847796
  • Category : Business & Economics
  • Languages : en
  • Pages : 274

“Bob Chapman, CEO of the $1.7 billion manufacturing company Barry-Wehmiller, is on a mission to change the way businesses treat their employees.” – Inc. Magazine Starting in 1997, Bob Chapman and Barry-Wehmiller have pioneered a dramatically different approach to leadership that creates off-the-charts morale, loyalty, creativity, and business performance. The company utterly rejects the idea that employees are simply functions, to be moved around, "managed" with carrots and sticks, or discarded at will. Instead, Barry-Wehmiller manifests the reality that every single person matters, just like in a family. That’s not a cliché on a mission statement; it’s the bedrock of the company’s success. During tough times a family pulls together, makes sacrifices together, and endures short-term pain together. If a parent loses his or her job, a family doesn’t lay off one of the kids. That’s the approach Barry-Wehmiller took when the Great Recession caused revenue to plunge for more than a year. Instead of mass layoffs, they found creative and caring ways to cut costs, such as asking team members to take a month of unpaid leave. As a result, Barry-Wehmiller emerged from the downturn with higher employee morale than ever before. It’s natural to be skeptical when you first hear about this approach. Every time Barry-Wehmiller acquires a company that relied on traditional management practices, the new team members are skeptical too. But they soon learn what it’s like to work at an exceptional workplace where the goal is for everyone to feel trusted and cared for—and where it’s expected that they will justify that trust by caring for each other and putting the common good first. Chapman and coauthor Raj Sisodia show how any organization can reject the traumatic consequences of rolling layoffs, dehumanizing rules, and hypercompetitive cultures. Once you stop treating people like functions or costs, disengaged workers begin to share their gifts and talents toward a shared future. Uninspired workers stop feeling that their jobs have no meaning. Frustrated workers stop taking their bad days out on their spouses and kids. And everyone stops counting the minutes until it’s time to go home. This book chronicles Chapman’s journey to find his true calling, going behind the scenes as his team tackles real-world challenges with caring, empathy, and inspiration. It also provides clear steps to transform your own workplace, whether you lead two people or two hundred thousand. While the Barry-Wehmiller way isn’t easy, it is simple. As the authors put it: "Everyone wants to do better. Trust them. Leaders are everywhere. Find them. People achieve good things, big and small, every day. Celebrate them. Some people wish things were different. Listen to them. Everybody matters. Show them."


General Liability Insurance Coverage

General Liability Insurance Coverage

PDF General Liability Insurance Coverage Download

  • Author: Randy J. Maniloff
  • Publisher: OUP USA
  • ISBN: 9780199846559
  • Category : Law
  • Languages : en
  • Pages : 0

Insurance coverage disputes raise issues in which laws and outcomes regularly vary from state to state. Whether a claim is covered can depend a great deal on whether the case arises on one side of the street or another. It is imperative that insurance claims professionals, lawyers, brokers, risk managers, risk consultants, regulators and judges have adequate access to comparative state-law research. This book is designed to give the stakeholders in the claims process ready access to the law of all 50 states on the most important liability insurance issues to quickly learn and assess state law relevant to coverage disputes. The Second Edition includes nearly 800 new cases covering all 50 states and the District of Columbia, and adds a new chapter addressing Coverage for Pre-Tender Defense Costs.


Words that Matter

Words that Matter

PDF Words that Matter Download

  • Author: Leticia Bode
  • Publisher: Brookings Institution Press
  • ISBN: 0815731922
  • Category : Political Science
  • Languages : en
  • Pages : 276

How the 2016 news media environment allowed Trump to win the presidency The 2016 presidential election campaign might have seemed to be all about one man. He certainly did everything possible to reinforce that impression. But to an unprecedented degree the campaign also was about the news media and its relationships with the man who won and the woman he defeated. Words that Matter assesses how the news media covered the extraordinary 2016 election and, more important, what information—true, false, or somewhere in between—actually helped voters make up their minds. Using journalists' real-time tweets and published news coverage of campaign events, along with Gallup polling data measuring how voters perceived that reporting, the book traces the flow of information from candidates and their campaigns to journalists and to the public. The evidence uncovered shows how Donald Trump's victory, and Hillary Clinton's loss, resulted in large part from how the news media responded to these two unique candidates. Both candidates were unusual in their own ways, and thus presented a long list of possible issues for the media to focus on. Which of these many topics got communicated to voters made a big difference outcome. What people heard about these two candidates during the campaign was quite different. Coverage of Trump was scattered among many different issues, and while many of those issues were negative, no single negative narrative came to dominate the coverage of the man who would be elected the 45th president of the United States. Clinton, by contrast, faced an almost unrelenting news media focus on one negative issue—her alleged misuse of e-mails—that captured public attention in a way that the more numerous questions about Trump did not. Some news media coverage of the campaign was insightful and helpful to voters who really wanted serious information to help them make the most important decision a democracy offers. But this book also demonstrates how the modern media environment can exacerbate the kind of pack journalism that leads some issues to dominate the news while others of equal or greater importance get almost no attention, making it hard for voters to make informed choices.


Fundamentals of Insurance Coverage in all 50 States - Fourth Edition

Fundamentals of Insurance Coverage in all 50 States - Fourth Edition

PDF Fundamentals of Insurance Coverage in all 50 States - Fourth Edition Download

  • Author: Bradley W. Matthiesen
  • Publisher: Juris Publishing, Inc.
  • ISBN: 1578233380
  • Category : Law
  • Languages : en
  • Pages : 34

Fundamentals of Insurance Coverage in All 50 States is a unique compendium and overview of all aspects of insurance coverage law in every state, with a special emphasis on some of the unique aspects of insurance coverage involving environmental claims. The treatise utilizes and cites state and federal statutes, insurance regulations, and case law from every state, as a framework for a unique and unprecedented treatment of this complicated subject. The book is designed specifically for insurance claims handlers and supervisors who have responsibility for or occasion to deal with coverage issues relating to third-party defense litigation, first-party claims litigation, and reservation of rights scenarios. In addition to being an excellent and easy to understand primer on coverage issues and the basic insurance contract, this book is suitable for both the inexperienced claims professional and the seasoned veteran. It is also the perfect "starting point" for any research or litigation briefing by trial lawyers, defense counsel, or in-house insurance counsel. It is a must for anyone with multi-state responsibilities. Fundamentals of Insurance Coverage in All 50 States compile all of the relevant law, regulations and case decisions from all 50 states into one easy to understand and easy to use reference book, the first place a lawyer or claims handler should turn when coverage matters rear their ugly heads. The book intentionally omits references to federal law, which plays a very limited role in insurance regulation, except insofar as it may be necessary to clarify issues of state law. The book is a comprehensive treatment of all coverage issues that the average insurance lawyer, claims handler or supervisor might be expected to run across in any given situation. This one of a kind treatise covers the following issues in all 50 jurisdictions: • Understanding Contracts of Insurance • Law Governing Insurance Policies • Tackling Ambiguity and Interpretation of Policies • General Contract Rules for Interpretation • Rights and Obligations of Contracting Parties • Limitations of the "Construed against Drafter" Rule • The Extent of Risks and Coverages • Good Faith and Fair Dealing; Bad Faith • Basic Policy Defenses • Cooperation of the Insured • Failure to Pay Premiums • Environmental Issues and Related Insurance Law