Two concerns that underlie preoccupation with health care costs are that society may not be getting a "reasonable return" from increased expenditures and that the quantity of services per expenditure could be provided more cheaply. Concern arises because the "market" for health care deviates significantly from other "free…

MODERN ADVANCEMENTS IN MEDICAL SCIENCE HAVE PRECIPITATED THE NEED FOR ADEQUATE UP-TO-DATE HOSPITAL FACILITIES REASONABLY CLOSE TO ALL PEOPLE. RURAL COMMUNITIES HAVE UTILIZED FEDERAL AID, STATE AID, ASSISTANCE FROM FOUNDATIONS, CIVIC BONDS, AND VOLUNTEER CONTRIBUTIONS AND DRIVES TO ERECT AND EQUIP HOSPITALS. HOSPITAL CARE FOR RURAL PEOPLE USUALLY…

This pamphlet summarizes the present status of domestics in the United States. Statistical data on the problems of low income, lack of education, and poor coverage under labor laws are presented. (BH)

In supporting the principle of equal monthly retirement benefits for women and men faculty, the author examines legal and other questions involved in determining whether separate mortality tables are equitable and whether equal contributions or equal monthly benefits is the proper measure of equality. (JT)

This article presents an analysis of six major issues involved in ASBO's resolution opposing mandatory Social Security: fiscal implications for taxpayers; impact on the economy; mandatory coverage as a solution; patriotism as an issue; promises violated by Social Security; and the legal issues of mandatory coverage. (Author/MLF)

Analyzes the liability insurance program for schools. High costs and limited number of insurers have dramatically affected school liability insurance coverage. (MD)

The capital markets approach is an alternative means of risk financing whereby a school system establishes and controls its own insurance company and makes systematic contributions to pay for expected and anticipated losses and their associated costs. (MLF)

The exposure to risk and its potential subsequent costs are commonly financed through insurance. Another way to handle risk is by a contract defining the responsibility for loss between the parties to a contract. Guidelines with examples are provided. (MLF)

Strategic benefit planning is a management process that establishes overall objectives that form the basis for decision making on all elements of indirect compensation. The Tax Reform Act of 1986 and implications to tax-sheltered annuities are discussed. An example of a statement of university policy on employee benefits is appended. (MLW)

Discusses the matter of liability and insurance coverage of staff members when they are reporting about activities. (JK)

Harvard University has found that insuring its retiring faculty for long-term health care was too expensive, blocking implementation of its planned benefits program and potentially affecting the planning of many colleges. (MSE)

This fringe benefit plan saves money for both employers and employees, provides a better fit for employees' actual benefit needs, and allows employees to choose options from a menu of benefits. One option is a flexible spending plan. Employees place a portion of their before-tax income into a special account from which allowable expenses are paid…

As many court cases demonstrate, insuring against punitive damages is a complex issue facing school districts. Districts should secure competent legal counsel when purchasing liability insurance that specifically covers all potential punitive awards. (12 citations) (CJH)

Describes a 9-district, 750 employee self-insurance cooperative in northeast Missouri that achieved a $90,000 balance over claims in just 9 months of operation. Explains mechanics of plan operation including level of benefits, premiums, financial integrity, and results. (NEC)