A risk management plan for outdoor education programs should include procedures for regular program implementation, as well as rescue, first aid, and accident follow-up procedures. Stresses understanding legal and ethical responsibilities and the importance of sufficient insurance protection. Includes suggestions for dealing with conflicts in…

Basic principles of insurance law are reviewed, an overview of liability insurance is given, and currently significant issues concerning liability insurance coverage with special relevance to higher education institutions are examined. Focus is on professional and director-and-officer insurance, but other applications are possible. (Author/MSE)

Answers questions pertaining to child care center liability, including the following: (1) What are the most common claims?; (2) In what areas are centers most vulnerable?; (3) Under what circumstances are individual staff held responsible for claims?; (4) Is there any point in getting accident insurance if parents already have health insurance?;…

The most overlooked facet of school construction is the dovetailing of permanent construction insurance and technology construction insurance. Advice is provided about technology and technology purchases, highlighting problems associated with costs, copyright infringements, delivery delays, electrical wiring, hardware, student records, vendors,…

The concept of imminent suicide is examined. A search of National Electronic Library for Mental Health, the Cochrane Library, PubMed, OVID and MD Consult databases was conducted using the terms "suicide, imminent." The term "imminent" frequently appears in the mental health literature, finding common usage among clinicians. It is also a legal term…

This study examines the role of car ownership in facilitating employment among recipients under the current welfare-to-work law. Because of a potential problem with simultaneity, the analysis uses predicted car ownership constructed from two instrumental variables, insurance premiums and population density for car ownership. The data come from a…

This book contains 14 original research chapters on various aspects of the employee benefits systems of Canada and the United States. Following an introduction by William Alpert and Stephen Woodbury and an overview chapter, "Does the Composition of Pay Matter?" (Sherwin Rosen), Part 1 of the book consists of three chapters that treat the…

Major research findings are synthesized and innovations of current concern to vocational rehabilitation professionals are reported in this paper on national health insurance (NHI) and rehabilitation. Discussion covers the following topics: the concept of insurance, forms of health insurance, issues arising from hearings on NHI, perspectives of…

This document consists of 19 exhibits that outline information on contractual risk transfers. Topics include the following: types of risk-treatment techniques; an overview of the process for using indemnity and insurance clauses; the rationale for contractual risk transfer; residual risks in contractual transfer; the rationale for and types of…

As the number and level of fringe benefits increases, particularly in the retirement sphere, institutions must keep in mind that today's commitment will be felt in tomorrow's budget. The range of employee benefits available are analyzed with regard to cost: unfunded benefits (vacations, leave), government programs, insurance, retirement plans, and…

Information is provided on early and phased retirement plans of about 20 academic institutions. Eligibility requirements for participation in early retirement plans vary from campus to campus. Most plans have a requirement ranging from a minimum of 10 to 20 years of full-time (or part-time equivalent) service. There are basically two types of…

This committee print provides workers with a general overview of the steps involved in planning retirement income and encourages them to start laying down concrete financial plans now for their retirement years. It begins by outlining a framework for planning retirement finances. These specific steps are discussed: gathering information on current…

This document presents a statistical study of hospital use by children in the United States and Canada designed to determine why the hospital discharge rate of children in the United States is lower than many other Western industrialized nations, although the discharge rate for the general U.S. population is higher. Several reasons for the lower…

The Michigan Closed Case Survey examined workers' compensation cases that were closed in the fall of 1978. Specific objectives of the study were to compare the workers' compensation experience of the insured and self-insured employer populations, to provide an empirical description of the workers' compensation system in Michigan, and to determine…

Secondary students in consumer education, general business, and home and family living courses can learn about auto and home insurance by participating in these learning activities. The exercises can also be used in adult education courses. The type of information provided for the activities includes key concepts, objectives, generalizations, new…