An investigation to determine programs of health education adopted by life insurance companies for their policy holders and by other business concerns for their employees is reported. (JD)

A Proactive Safety Campaign at Lake Central School Corporation in St. John, Indiana, has lowered workers' compensation insurance costs. Quarterly meetings with the insurance carrier and the director of each department address individual concerns. (MLF)

Notes that adoption agencies have developed few specific policies on the issue of lesbian and gay adoption. Provides an overview of key considerations about homosexual adopters, including beliefs and values of agency professionals, the legal and social ramifications of adoption into a relationship not based on marriage, and possible consequences…

Presents a model for evaluating liability insurance limits and selecting the correct limit for an individual institution. Argues that many colleges and universities may be making overly conservative decisions that lead to the purchase of too much liability insurance. Also discusses the financial consequences of an uninsured large liability loss.…

Estimates for 14 European countries used three models introducing unemployment, youth unemployment, and unemployment benefits respectively. Differences in unemployment probabilities at different educational levels and youth unemployment both appear to be important for a better understanding of the incentive structure behind educational decisions.…

Examines the malpractice liability of information specialists based on the liability exposure of other information professionals, such as attorneys and market researchers. The discussion covers the use of contracts to limit liability and factors to consider when choosing malpractice insurance. (four references) (CLB)

This review of collective bargaining developments in key industries concludes that escalating health insurance premiums are likely to be a common thread in the fabric of this year's bargaining. (JOW)

The nation's health insurance structure has compromised access to health care for many low- and moderate-income Americans who are not members of sizeable groups. Children are disproportionately uninsured. This article advocates creating a health insurance program based on school enrollment to address this problem. (MLH)

Reviews current school district risk management practices and the related accounting requirements. Summarizes the Governmental Accounting Standards Board's proposed accounting standards and the impact of these on school districts' risk management practices and on their financial statements. (11 references) (MLF)

Extra expense insurance is intended to reimburse the policy holder for extra expenses incurred to continue functioning as normally as is practicable while the damaged property is being restored. Explains conditions to the coverage and how to analyze insurance needs and determine the level of financial protection needed. (MLF)

For mature industrialized nations to meet the challenge of shifting to a high value added technology base, excellence in three areas is needed: (1) education, (2) labor market performance, and (3) social insurance. A Swedish proposal that would allow individuals to take responsibility for their own future is the individual educational investment…

An institution's educators legal liability policy can provide very broad or limited protection to a college and employees. The college or university's insurance buyer or risk manager must understand the terms and conditions of the policies available and evaluate their specific application to the institution, giving coverage as much weight as costs…

Considerations in designing a standard health care benefits package as a part of national health care reform are discussed. Specific features examined include deductibles, employer contributions, regional variations, cost management techniques such as managed care and higher copayments, annual out-of-pocket maximums, and lifetime benefit maximums.…

Describes a case study of an insurance company manager with a superior track record. Successful management behaviors include helping trainees succeed, relying on loyalty, building trust, manifesting an extroverted personality and good sense of humor, applying business knowledge, creating incentives to sell, and maintaining excellent relationships…

Presents an annotated bibliography of 100 state government publications published in 1992-93, listed alphabetically by state, that reflect major areas of state government involvement. Subject areas include environmental efforts, health care and health insurance, economic conditions, and history and culture. (LRW)