When the coronavirus pandemic arrived, the United States was already deeply unequal. Before the pandemic, 140 million Americans were poor or near poor, living just one emergency above the poverty line. Inequality in the United States did not happen suddenly and cannot be explained as the consequence of individual failures; rather, decades of…

This paper examines the U.S. social insurance system, which we define broadly to include both programs supported by dedicated taxes and other federal programs that provide income support, assistance in meeting basic needs, or services to improve economic opportunity. The paper considers the social insurance system as a whole as well as its…

This secondary analysis of 5,000 African Americans and black Caribbeans explored how their use of social work services to address mental and substance use disorders was associated with the disorder involved as well as their perceived need for services, belief system, family resources, proximity to services, social-structural factors, and…

"Budget of the United States Government, Fiscal Year 2013" contains the Budget Message of the President, information on the President's priorities, budget overviews organized by agency, and summary tables. The 2013 Budget contains a number of steps to put the country on a fiscally sustainable path. First, this Budget implements the tight…

After the passage of the Patient Protection and Affordable Care Act, thousands of families across the U.S. breathed a sigh of relief at the White House's reassurance: "Reform will eliminate health insurance discrimination against people with disabilities." However, the actual language of the law and the proposed implementation timeline of the…

This manual was designed primarily for use by individuals with developmental disabilities and related conditions. It is hoped that it is also useful for families, as well as service coordinators and providers who directly assist families and individuals with developmental disabilities. The main focus of this manual is to provide easy-to-read…

This speech concentrates on a discussion of the increasing difficulty that school districts are experiencing in obtaining insurance coverage. The speaker offers school administrators some suggestions to assist them in securing the necessary coverage and suggests that when an insurance market is open and competitive, purchasing through bidding is…

This booklet is intended to help students gain a broad understanding of the meaning, characteristics, organization, products, and functions of the insurance industry. The following topics are discussed: the concept of and need for insurance; basic principles of insurance (risk assessment, insurability and insurable interest, determination of…

Deadlines are looming for school districts and other public employers to comply with a new financial-reporting rule on the long-term costs for health and other insurance benefits that have been promised to employees. For the first time, local, state, and federal agencies will have to disclose future benefit costs in current budgets, a requirement…

The pros and cons of state laws mandating mental health insurance are discussed in this report. The history of a 1985 Supreme Court case which held that states could mandate mental health benefits introduces the report. In an overview of the issue, the long-standing argument between the insurance industry and the mental health establishment is…

There are many ways a school district can reduce the cost of insuring employees, equipment, and buildings. (Author/MLF)

Presented before the Section on Administration, American College Health Association, Forty-sixth Annual Meeting, Minneapolis, Minnesota, May 2, 1968.

Outlines how a school district saved money by dropping its health carrier and became self-insuring. (IRT)

Risk management encompasses far more than an insurance program alone. The basic elements consist of--(1) elimination or reduction of exposure to loss, (2) protection from exposure to loss, (3) assumption of risk loss, and (4) transfer of risk to a professional carrier. This survey serves as a means of evaluating the methods of application of these…