This booklet provides some practical guidelines for determining total insurance needs, examining options, and comparing costs. It discusses how to fit insurance costs into an overall financial plan, the necessity of adequate liability coverage, and the importance of keeping policies up to date. The next four sections highlight the basic types of…

This report explains the major considerations in developing group health insurance coverage for public school personnel. A general overview is given of (1) group health insurance coverage, (2) patterns of group health insurance, (3) group health insurance organizations, (4) eligibility and enrollment practices, and (5) continuous health insurance…

Medicaid Waivers are crucial to the community life of individuals with significant disabilities and their families. In a nutshell, Medicaid Waivers prevent institutionalization by providing the support individuals with significant disabilities need to live in the communities of their choice. These supports include Personal Care services and…

This report is a compendium of indicators about our Nation's young people. The report, the 20th produced by the Forum, presents 41 key indicators on important aspects of children's lives. These indicators are drawn from the most reliable Federal statistics, are easily understood by broad audiences, are objectively based on substantial research,…

This article describes and evaluates an activity designed to demonstrate how biological factors (e.g., genetics), individual-level behaviors (e.g., smoking), and social factors (e.g., socioeconomic status) shape health status and access to health care. Active learning techniques were utilized to introduce the sociological imagination as it…

The Balanced Budget Act of 1997 (BBA) established new reimbursement systems in the Medicare home health fee-for-service benefit. Reimbursements were reduced to 1993 levels and per-beneficiary capitated limits were introduced for the first time. This article analyzes the impact of these changes on chronically ill older adults and their families.…

For education administrators, campus fires are not only a distressing loss, but also a stark reminder that a campus faces risks that require special vigilance. In many ways, campuses resemble small communities, with areas for living, working and relaxing. A residence hall fire may raise the specter of careless youth, often with the complication of…

Purpose: Although prior research suggests that economic, behavioral, and psychosocial factors influence decisions not to purchase long-term care insurance, few studies have examined the interplay among these factors in depth and from the consumer's point of view. This study was intended to further illuminate these considerations, generate…

The results of a recent study, which sought information pertaining to the current status of student health insurance programs in schools throughout the United States, is reviewed in this article. The availability and suitability of the programs are summarized, and recommendations for improvement are provided. (Author/DS)

Discusses the options open to school boards in "risk management" -- to assume, reduce, or transfer the risk. (JF)

Beginning on the front page, this article explains ways of establishing a sound risk management insurance program that can improve a school district's financial position. Organizations that can help are listed. Available from the American Association of School Administrators, 1801 North Moore Street, Arlington, VA 22209. (MLF)

The planning, implementation, and assessment of a comprehensive health insurance program directly reflective of the particular needs of a university body are described. (JD)

Transportation is an important issue to consider when operating a program for the young. Children must be able to get to school, gym, church, or where the care is being provided, and back home. If the parent provides the ride for their own child, everything is fine. If an organization assumes responsibility for getting children to and from a…

This publication is designed to provide school district administrators and boards of education with information they can use in developing, administering, and evaluating their district's risk management needs. In particular, it is meant to help school officials 1) identify local insurance needs consistent with California's statutory requirements,…