College business officers should take advantage of the industry's market to prepare their institutions for an upcoming hard market. Steps to be taken include evaluating the insurance broker; meeting with the company underwriter; negotiating; considering a renewal contract; negotiating pooling mechanisms; lowering deductibles; and implementing…

Objective: To review the research on economic and systemic barriers faced by adolescents needing treatment for alcohol and drug problems, particularly those with co-occurring conditions. Method: We reviewed the literature on adolescent access to alcohol and drug services, including early intervention, and integrated and specialty mental health…

This research is a secondary data analysis of the impact of adolescents' mental/substance-use disorders and dual diagnosis on their utilization of drug treatment and mental health services. By analyzing the same teenagers who participated in the NIMH Methods for the Epidemiology of Child and Adolescent Mental Disorders (MECA) study, logistic…

Context: Mexico. Purpose: Using the health care service utilization model as a framework, this paper will analyze the differences in health care service use among older Mexicans living in urban and rural areas in Mexico. Methods: The Mexican Health and Aging Survey (MHAS) data were used to test the applicability of Andersen's "model of health…

Discusses supplemental insurance as a cost-effective way to expand employee benefits programs and offer employees choices at reduced or no additional directs costs to employers. (EV)

In Washington, D.C., the vast majority of children have health insurance. Yet District children often lack sufficient access to medical care and face significant health threats from chronic conditions and risk factors such as exposure to violence in schools and neighborhoods. These findings emerged from an assessment of children's health in…

In some ways, education institutions are like any other business when it comes to insurance coverage. Property could be damaged, accidents may be blamed on negligence, and employees may be injured during the course of the workday. Traveling sports teams, field trips, and transportation responsibilities increase the possibility that something will…

These two issues of a semiannual newsletter are intended to provide secondary educators with a greater knowledge of insurance and access to teaching materials, new ideas, and insurance career information for students. Each newsletter contains the following: lessons for the teacher, special features (learning activities), teen drivers/automobile…

The relational well-being of families is an important factor affecting a family's economic success, physical and mental heath, the readiness and success of children in school, and the engagement of youth in positive and productive roles. In short, the strength of family bonds is crucial to a family's capacity to provide, nurture, and care for its…

Each year since 1997, the Federal Interagency Forum on Child and Family Statistics has published a report on the well-being of children and families. Pending data availability, the Forum updates all 41 indicators annually on its Web site (http://childstats.gov) and alternates publishing a detailed report, "America's Children: Key National…

Previous research has shown a strong connection between birth weight and future child outcomes. But this research has not asked how insults to child health after birth affect long-term outcomes, whether health at birth matters primarily because it predicts future health or through some other mechanism, or whether health insults matter more at some…

This paper provides a background to the mental health policy changes introduced by the Council of Australian Governments (COAG) in 2006. It then considers a major Australian Government COAG reform, the revision of the Medicare Benefits Schedule (MBS), by analysing the month-by-month utilisation of the available time-series data for the 17-month…

A focus group study was conducted with individuals with developmental disabilities to understand their perspectives on their health status, health promotion behaviors, and health care services they receive. The majority of participants reported good to excellent health, and all had some form of medical insurance. However, participants reported…

This pamphlet provides information to family day care providers on the need to have adequate liability insurance to cover the unique risks faced by care providers. It discusses the reasons for carrying liability insurance, including protection from lawsuits and medical claims by the parents of injured children. The pamphlet then explains what to…

This guide has been designed to furnish child care providers with information on what to look for when designing a liability insurance package and on the types of insurance policies available. It is intended to serve as a tool for those who need help developing and selecting child care insurance, and for those assessing whether their current…