I’ve decided to split my predictions into work comp stuff (where I do most of my work) and health care stuff not directly related to work comp. Here’s my health care predictions… 1. Health care cost inflation will remain low. After five years of growth at or below 4 percent, health care costs remain relatively stable at...
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Joe Paduda’s 2014′s predictions; how’d I do?
Before jumping into my predictions for 2015, I thought it would be helpful to review my previous prognostications. Here’s how I did, color-coded for your grading ease: 1. Overall, the work comp insurance market will be steady. Yep; rates were up just slightly, coverage availability is fine, and there are no crises. Then again, this...
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III’s Year in Review
As another year comes to an end, we thought it would be fun to take a look back at our most popular posts in 2014. Our most-read posts here at Terms + Conditions ran the gamut from extreme weather, to drones, Obamacare and cyber risk. Perhaps not surprisingly, three of our top 10 posts during the...
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Uber-money, Uber-problems (or: “So a Loose Cannon Threatens To Blow up My Business. Now What…?”)
Reputational risk is among the most challenging to insure, says I.I.I.’s VP of Communications Loretta Worters in this timely tale of Uber shenanigans: There’s no such thing as bad publicity, the old saying goes. But the publicity ridesharing company Uber is getting lately may not just harm its image, but can hurt its bottom line. And...
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A Split View On Obamacare’s Past And Future
Kevin Counihan and Michael Cannon look at the Affordable Care Act and see very different things. Cannon is part of the brain trust behind a Supreme Court case that could result in the repeal of a part of the exchanges he says is illegal. Counihan‘s job is to make the exchanges work. Millions of people...
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Joe Paduda’s Monday Morning Catch-up
After eight days away, time to catch up on the goings on. Lots happened, beginning with the non-renewal of the Terrorism Risk Insurance Act, aka TRIA. Mark Walls’ solid summary of the non-event that is a big event is here; Peter Rousmaniere penned a piece in WorkCompWire on the issue as well. Peter sees this as...
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Cyber Risk on the Inside
While the Sony cyber attack has put the spotlight on sophisticated external attacks, a new report suggests that insiders with too much access to sensitive data are a growing risk as well. According to the survey conducted by the Ponemon Institute, some 71 percent of employees report that they have access to data they should...
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A Workers Comp Claim’s Iceberg Effect
Workers in the claims profession and also on the employer side will often only think of claims as costs of wage loss and medical exposure. It is true that those costs are the ones on the surface. The injured worker has created a monetary exposure of their loss of wages covered by work comp payments,...
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Impact of Healthcare Reform on Workers’ Compensation
The Patient Protection and Affordable Healthcare Act (a/k/a Obamacare, or ACA) was signed into law on March 23, 2010. This piece of legislation has changed the way we think about healthcare in the United States. Among those changes is the “individual mandate,” which as of January 1, 2014, requires every person to obtain health insurance...
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Making The Human Condition Computable
For centuries, the central challenge in health care was ignorance. There simply wasn’t enough information to know what was making a person sick, or what to do to cure them. Now, health care is being flooded with information. Advances in computing technology mean that gathering, storing and analyzing health information is relatively cheap, and it’s...
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