Cyber security problems will increase in 2017, warns Experian Data Breach Resolution, a branch of the credit reporting giant. In its 2017 Data Breach Industry Report, Experian noted it expects to see several new—and frightening—trends: “Aftershock” password breaches becoming more common, Nation-state cyber-attacks moving from espionage to war, Healthcare organizations becoming the most frequently targeted...
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Don’t Get Shaken by Lack of Earthquake Coverage
When you think of earthquakes, you probably think of California, or maybe coastal areas of the Pacific Northwest. But 90 percent of the U.S. population lives in earthquake-prone areas. And a recent study by the U.S. Geological Survey found that 7 million people now face the risk of human-caused earthquakes. By including human-induced events, our...
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Service Animals, Assistance Animals, Therapy Animals—What’s the Law?
Guide dogs and service dogs have helped individuals with disabilities navigate life for decades. Now you also see assistance animals, therapy animals and emotional support animals. What’s the difference and what’s the law? Many people legitimately need service, support or therapy animals, while others use the “therapy animal” name and even fake vests and registries...
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Website Accessibility Lawsuits Increasing
A whole subspecialty of law practice is emerging, focusing on website accessibility. That’s bad news for businesses that haven’t ensured their websites are accessible to people with disabilities. Title III of the Americans with Disabilities Act (ADA) prohibits discrimination on the basis of disability in the activities of places of public accommodations, or businesses that...
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OSHA Publishes Updated Slip, Trips and Falls Rule
In mid-November, OSHA published its long-awaited final rule on slips, trips and falls. The rule becomes effective on Jan. 17, 2017, and will affect approximately 112 million workers at seven million worksites. In 2014, falls, slips and trips accounted for 17 percent of all fatal work injuries, second only to transportation accidents. OSHA estimates that,...
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Health Insurance Premiums Soar over Last Decade
Over the last decade, average annual premiums workers have paid for family healthcare coverage have shot up 78 percent, while employer contributions rose 51 percent, a new report found. From 2006 to 2016, the Kaiser Family Foundation survey of 1,900 small and large employers found worker contributions increased from $2,973 to $5,277 while employer contributions...
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Disability Income Insurance Protects Your Most Valuable Asset
Most people don’t plan for a debilitating accident or illness during their working years. But three in 10 workers entering the work force today will become disabled before retiring. And only five percent of disabilities are work-related—meaning 95 percent of people with disabilities will not qualify for workers’ compensation benefits. Most of us know people...
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Donald Trump and Obamacare
Before his surprise election, President-Elect Donald Trump said he would repeal the Affordable Care Act “on Day One.” However, the health care law championed by Barack Obama could prove more difficult to dismantle than Trump had imagined. Since that time, Trump has backed off a bit from a complete repeal. By the time this issue...
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Ensuring Worker Safety Abroad
Although terrorism attacks get all the press, Americans traveling or working abroad are far more likely to fall victim to robbery, kidnap or rape. According to the Global Terrorism Database, 80 Americans (including perpetrators) died in terrorist attacks between 2004 to 2013. This excludes deaths in Afghanistan and Iraq, the majority of which are combat-related....
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Trump and Workers’ Compensation
What will Donald Trump’s election mean for workers’ compensation? Although we don’t have a crystal ball, we do expect to see some changes. Since workers’ compensation is administered by the states, any presidential election would have little direct effect on comp. However, it can have indirect effects. Some employers and insurers feared that the Department...
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