Recent case law suggests that it's unwise for college trustees to assume they are immune from personal liability. A directors' and officers' insurance policy can alleviate the adverse effects of a legal claim against an organization's resources, but its coverage is limited. Trustees must pay careful attention to the legal environment affecting…

Comments on an earlier article by Lorraine Lidoff on health insurance coverage of vision-related rehabilitation services. Urges a standard model of services involving selection of measurable outcomes that reflect treatment processes, selection of the most appropriate time to measure outcomes, and selection of the best method for collecting outcome…

We evaluate the allocation of risk between firms and their workers using matched employer-employee panel data. Unlike previous contributions, this paper focuses on idiosyncratic shocks to the firm, which are the correct empirical counterpart of the theoretical notion of diversifiable risk. We allow for both temporary and permanent shocks to output…

It has been well documented by researchers that the incidence of visual impairment (both blindness and low vision) increases as people age (see, for example, Congdon et al., 2004; Crews, 1994; Lighthouse International, 2001; Rubin, 2000) and that these physical declines can adversely affect an individual's ability to perform activities that…

Chronic hepatitis C infection (CHCI) is an increasingly common problem, affecting about 2% of the US population. The cost and complexity of treatment and difficulties in communicating with the infected population are of concern to insurers and health planners. Purpose: To describe the clinical features of patients with CHCI in a rural…

The nation continues its ceaseless struggle with the spiraling cost of health care. Previous efforts (regulation, competition, voluntary action) have included almost every strategy except clinical. Insurers have largely failed in their cost-containment efforts. There is a strong emerging body of literature that demonstrates the relationship…

U.S. society is becoming increasingly litigious. Nowhere is this more evident than in the employment process, where preemployment agreements for job applicants are becoming more common. Preemployment agreements require applicants to accept certain terms or provisions before they are offered a position. In this article, the authors describe types…

This article assesses the relative importance of several factors believed to reduce the likelihood of health insurance coverage among working Latinos in California, including cost, immigration history, availability of insurance, beliefs about insurance, and beliefs about health and health care. According to a survey of 1,000 randomly selected…

Purpose: This article presents results of a survey of the attitudes and practices of managed care organizations (MCOs) concerning consumer direction. The study focused on understanding several alternative measures of consumer direction and the factors that are associated with the MCOs concerning those measures. Design and Methods: The MCOs that…

Many higher education institutions are strapped by benefit compensation costs for medical and pharmaceutical insurance, and there are few budget dollars left over for other health benefits, such as dental and eye care. Cornell University faced this dilemma and found voluntary dental and eye care plans to be an excellent solution. This article…

This paper discusses some important questions to ask an insurance broker regarding liability insurance. The author based these questions on his interviews with Kathryn Hammerback, Craig Hammer, and Mike North: (1) Are centers covered when...?; (2) How can a center director cut costs on this policy?; (3) Is this an "occurrence" or a "claims-made"…

Published annually since 1997, Newark Kids Count tracks key trends in child health and well-being in New Jersey's largest city with the latest statistics available. Newark Kids Count includes the latest statistics, along with five-year trend data, in the following areas: population and demographics, family economic security, affordable housing,…

Over the past decade and a half, the Commonwealth has moved steadily to increase expectations on school districts, schools, teachers, and students to meet the demands of a global economy. It has also added fiscal resources to support reaching these expectations, increasing state aid for education by almost 11 percent per year throughout the 1990s.…

To address the health care needs of the millions of uninsured children of low-income families ineligible for Medicaid, many states have developed innovative public and private programs. Examines the privately funded Blue Cross/Blue Shield Caring Program and promising public programs in 11 states. (MDM)

Like most other state and local government employees, teachers participate primarily in defined benefit pension plans whose benefits are based on final average salaries and length of service. Such pensions have been replaced in many private sector firms by defined contribution pensions. A number of questions have arisen about the feasibility and…