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Next IT Announces Alme Availability for Human Resource Management

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Alme Virtual Assistants Aim To Reduce HR Burdens, Improve Employee Relations

Spokane, Wash. (PRWEB) October 21, 2014

Next IT, developer of Alme, the world's most trusted virtual assistant platform, today announced the general availability of Alme to assist human resource professionals. This new offering delivers advanced virtual assistant capabilities in any organization’s human resource environment to optimize and improve employee relations. Next IT works with innovative companies and industry-leading benefits-management solutions providers to deliver enterprise customers and their employees fast, accurate, 24/7 assistance with HR-related inquiries without searching or waiting.

Alme-powered HR assistants serve employees in real-time, across time zones, after hours and can be trained in over 40 languages. By responding to questions naturally with quick answers on topics like company policies, health insurance and retirement plans, Alme assistants increase productivity and boost employee satisfaction. An Alme virtual assistant can help new hires throughout the onboarding process and assist seasoned veterans with questions about things like remaining vacation hours, open enrollment dates, or how to find the balance of their 401(k).

The Alme platform, built with sophisticated artificial intelligence technology, already powers millions of conversations across some of the most demanding service environments and for some of the world’s largest companies, including Alaska Airlines, the U.S. Army, Aetna and Amtrak.

“It’s about time that A.I. reached the HR department,” said Cleat Grumbly, Next IT SVP, Government and Travel. “Intranets and handbooks have never provided the human-like support that our virtual assistants can give to employees. Alme delivers that personalized experience to employees and empowers HR professionals to focus on more strategic initiatives.”

Alme virtual assistants help reduce the burden of the influx of questions human resource professionals need to address, especially during busy seasons like open enrollment. Furthermore, by collecting data from employees’ interactions with Alme, an organization can gain valuable insights and design targeted solutions to better match employee needs.

“We’re excited to apply our outstanding intelligent virtual assistant technology to human resource departments,” said Rick Collins, Next IT President, Enterprise Business. “Alme is an exceptional benefit to offer employees. Our intelligent assistants respond with answers that leverage the deep expertise within your company, delivering quality interactions and engagement.”

As organizations across many industries look for ways to improve productivity and ensure that employees take full advantage of company benefits and programs, Next IT, with Alme, will become the platform organizations use to provide personalized, accurate and instant responses for employees anywhere and anytime.

For more information about Alme for HR from Next IT, please visit http://www.NextIT.com/AlmeForHR

About Next IT

Founded in 2002, Next IT has been at the forefront of virtual assistant technology for over a decade. Alme, Next IT’s flagship product, is the world’s most trusted virtual assistant platform. Customer experience leaders including Aetna, Alaska Airlines, Amtrak and the U.S. Army all rely on Alme to provide their customers with remarkable experiences every day.

Next IT is proudly based in Spokane, Washington. For more information, please visit: http://www.NextIT.com

### Reported by PRWeb 14 hours ago.

Other States Should Follow California's Lead in Providing Health Plan Ratings

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During the last few weeks of this year, most of us will need to make a decision about our health insurance coverage for 2015, regardless of whether we get it through an employer or buy it on our own. But unless you live in California, chances are you won't find much information about how satisfied people are with their existing health plans or how many complaints are filed against them.

Now that the law requires us to have health insurance -- and buy it from a private insurer unless we're eligible for a government program like Medicare or Medicaid -- you'd think it would be easy to discover which health plans rank the best and which ones bring up the rear.

There are some online resources to find out how much various plans would cost in monthly premiums and out-of-pocket expenses. If you can't get coverage at work and want to compare costs among competing health plans, you can go to healthcare.gov, maintained by the U.S. Department of Health and Human Services, or a private online source like healthinsurance.org, which has been around since 1994.

But finding customer satisfaction and clinical performance information and complaint ratios is a lot more difficult.

California is the only state I know of where you can find data on both, but it's not likely that even many Golden Staters understand how to discover it or go to the trouble of seeking it out.

Back in 2000 when Democrat Gray Davis was governor, California began operating an agency called the Office of The Patient Advocate (OPA). According to its website, OPA was created "to help health plan members get the care they deserve and to promote transparency and quality health care" by publishing an annual "Quality of Care Report Card." The most recent report card was released last Wednesday.

If you're a Californian and care as much about good customer service as you do about how much you'll have to pay for coverage, you'll choose one of the nonprofit health plans, regardless of where you live in the state, after spending a few minutes on the OPA site.

One consistent theme over the years has been that nonprofit plans have ranked better than their for-profit competitors in both customer satisfaction and complaint ratio ratings. That comes as no surprise to me. During the nearly 20 years I worked for big for-profit health insurers, we always trailed the nonprofits. One reason: nonprofits have made it a priority to assure that their customers are satisfied and get the care they need. The top priority of the for-profits, I know from experience, is to enhance shareholder value, a euphemism for making sure Wall Street is satisfied.

In last week's OPA report, Kaiser Permanente of Northern California and Kaiser Permanente of Southern California, both nonprofits, were the only plans to score four stars (an "excellent" rating) in both clinical performance and patient experience. They were followed by Blue Shield of California, Sharp Health Plan (in greater San Diego), and Western Health Advantage (in the Sacramento area). All of those plans are also nonprofits.

The plans with the fewest stars were Aetna, Anthem Blue Cross, Cigna, Health Net and UnitedHealthcare of California, all for-profit companies.

Conversely, the HMOs with the highest ratio of complaints and inquiries were the for-profits and the ones with the lowest were the nonprofits. Cigna, where I used to work, had the highest ratio. It had more than three times as many complaints and inquiries as the Kaiser HMOs and nearly four times as many as Sharp.

Not only have these results been consistent over the years in California, they are also consistent with the national health plan rankings compiled by Consumer Reports and the National Committee for Quality Assurance.

Regardless of where you live, you should check out those rankings before selecting your insurance carrier for 2015. You'll find that, just as in California, the nonprofits lead the pack and the for-profits are eating their dust.

In fact, there are no for-profits among the NCQA's top 25 health plans. And it has been this way for as long as the NCQA has been publishing its annual ranking.

Open enrollment for health plans offered on the state and federal exchanges for 2015 will start in just four weeks, on November 15. Most employer-sponsored health plans will also have open enrollment at approximately the same time. It would be well worth your time to see how the health plans available to you stack up to competitors in quality and customer satisfaction -- as well as cost. Reported by Huffington Post 12 hours ago.

False And Misleading Claims Rock Michigan Race Between Gary Peters, Terri Lynn Land

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The following post first appeared on FactCheck.org.
The Michigan Senate race pits Democratic Rep. Gary Peters against Republican Terri Lynn Land, a former Michigan secretary of state, to replace the retiring Sen. Carl Levin. The two candidates have faced plenty of attacks from outside spending groups, who have poured enough money into the race to make it the seventh highest in terms of outside dollars.

In fact, those groups — not the candidates themselves — have so far been the focus of our fact-checking efforts. False and misleading claims have centered on taxes, equal pay for women, health care, outsourcing jobs, Medicare and energy.

The latest polls show the race tilting in Peters’ favor.

 

*Claim: On Peters’ watch “Michigan gas taxes [were] siphoned off by Washington instead of staying [in Michigan] and being spent on Michigan’s crumbling roads.”*

*Facts:* Despite what a Land campaign ad says, Michigan has received slightly more than $1 worth of highway funding for every $1 collected of federal gasoline taxes earmarked for highways.

The Land ad makes it seem like Michigan is getting back less in highway funding than its residents pay in gasoline taxes. But the Federal Highway Administration reported that, in 2012, Michigan received $1.03 in highway funding for every $1 in federal highway gasoline taxes collected in the state. Michigan’s return on investment was even better in 2010 and 2011, according to the FHA, when the state received $1.30 and $1.20 in highway funding for every $1, respectively.

It turns out Land’s point isn’t just about return on investment, but also increasing local control of highway spending. She advocates a plan to gradually reduce the federal gas tax and replace it with a state tax, giving states more control over the money.

The federal government currently collects a tax of 18.4 cents per gallon on gasoline and 24.3 cents per gallon of diesel fuel and puts it into the Highway Trust Fund. Out of every 18.4 cents, 15.44 cents are allocated to state departments of transportation to “design, construct, improve and preserve” major roads. The money can’t be used for routine maintenance, such as repairing potholes, which are shown in Land’s ad.

Full story: “Trading Jabs in Michigan,” Aug. 29

 

*Claim: Land “said guaranteeing equal pay for women who do the same work as men is not a good idea.”*

*Facts:* The DSCC ad making this claim takes Land’s words out of context.

The ad cites an April 12 article from the Wall Street Journal, which made it clear that Land’s “not a good idea” comment was referring to the Paycheck Fairness Act, a Democratic bill, not to the idea of equal pay. The article even noted Land’s stated support for “the principle of equal pay for women.”

As the Journal explains, the bill “which was blocked by Senate Republicans, would have allowed employees to discuss their pay without potential retaliation and required employers to show that salary differences aren’t based on gender bias.” Land said she opposed the bill because “that would require that businesses have to post the pay of each individual so it was public. … I don’t think you should have to have everyone know what your pay is.”

People may disagree with her — or object to her ill-informed belief that the bill would have required employers to post employees’ pay — but Land never said “guaranteeing equal pay for women who do the same work as men is not a good idea.”

Full story: “Trading Jabs in Michigan,” Aug. 29

 

*Claim: Peters, who opposes the Keystone XL pipeline, is backed by environmental activist Tom Steyer, who “stands to profit by blocking Keystone.”*

Facts:* *The claim that Steyer would profit from the Keystone pipeline is based on outdated information.

Steyer does oppose the Keystone XL pipeline for environmental reasons, and Peters voted against the project in May 2013. It’s also true that Steyer’s NextGen Climate Action group backs Peters, and had spent $3.6 million against Land as of Oct. 20. Until 2012, Steyer owned Farallon Capital Management, a hedge fund that invested in Kinder Morgan, an energy company that owns a pipeline that runs from Canadian tar sands to Pacific ports. This pipeline would be an alternative if the Keystone project fizzled. So, in the not-too-distant past, Steyer might have profited if the Keystone pipeline project had been blocked.

But when he left Farallon, Steyer instructed the company to divest his personal holdings of money in tar sands, coal, oil and natural gas. In 2013 he pledged to donate profits he had received from the Kinder Morgan investment to environmental disaster relief, and in 2014 he announced that he and his wife would put $2 million in a new Climate Disaster Relief Fund to help victims of extreme weather including wildfires. And Farallon no longer has any holdings in Kinder Morgan.

Full story: “Special Interest Battle in Midwest Races,” Sept. 23

 

*Claim: Health insurance premiums are up “by nearly 40 percent” in Michigan.*

*Facts:* Americans for Prosperity uses this figure, which comes with several caveats, from an unscientific survey. This wouldn’t be the first time that the conservative group founded by businessman David Koch misused the survey.

The ad attacks Peters for his support of the Affordable Care Act and suggests health insurance premiums are going up by nearly 40 percent for everyone in Michigan. That’s simply not the case. Premiums for employer-sponsored plans, where most Americans (and Michiganders) get their coverage, have gone up an average of 5.9 percent per year since the passage of the Affordable Care Act, while they went up 4.8 percent on average per year in the five years before the law. AFP’s claim concerns the no more than 5 percent of Michiganders in the individual market.

Small print in the ad cites an April 7 story in Forbes, which is about a survey of 148 insurance brokers taken by Morgan Stanley to help guide investor decisions about stock purchases. A state-by-state chart suggests a 35.6 percent increase in rates in the individual market in Michigan in 2014, according to responses from just six insurance brokers in the state.

Robert Santos, senior methodologist at the Urban Institute and past president of the executive council at the American Association for Public Opinion Research, told us that the survey has no scientific validity with regard to the aggregated nationwide results. He also said that “anyone would be on very tenuous ground in trying to make a state-specific inference” from the survey. A small notation below the state chart uses technical jargon to warn the same thing.

And even if the figure were accurate, it doesn’t account for improved coverage or government subsidies, which 80 percent of those in the new individual market exchanges are expected to receive.

Full story: “AFP Misuses Survey Again,” May 30.

 

*Claim: A Michigan family’s “new plan is not affordable at all” under the ACA. *

*Facts:* Another Americans for Prosperity ad features a Michigan mom, Shannon Wendt, who says her family’s “new plan is not affordable at all.” Her case is actually an example of how middle-class families can benefit from the health care law — if they choose to do so.

The ad leaves the false impression that the Wendt family obtained its costly new insurance plan through the federal exchange set up by the ACA. Rather, the family’s “new plan” is a temporary plan that does not meet the ACA requirements. Blue Cross Blue Shield of Michigan offered the plan to customers who had their old policies canceled but did not want to purchase insurance on the exchange. It turns out that Wendt found a cheaper, subsidized plan on the exchange, but declined to accept it because she did not want her children on the Children’s Health Insurance Program, even though they were eligible. HealthCare.gov explains that a family cannot receive subsidies to help buy insurance on the exchange if the children in the family are CHIP-eligible and they do not sign up.

We found that a Michigan family of seven similar to the Wendts could get a “silver” plan with the same coinsurance as the Wendts’ current plan, a monthly premium that would be roughly the same and an annual deductible far below their current $10,000 deductible. Plus, such a family would be eligible for subsidies to reduce out-of-pocket expenses to around $3,000 — which could represent a significant savings since Shannon Wendt told MLive.com, a Michigan news website, that her family paid $10,000 in out-of-pocket expenses last year.

Full story: “Misleading Anti-Obamacare Ad in Michigan,” March 31

 

*Claim: Land “supports a plan that would end the Medicare guarantee.”*

*Facts:* A DSCC ad misrepresents Rep. Paul Ryan’s Medicare plan to make this false claim about Land. Ryan’s plan wouldn’t end the guarantee of Medicare benefits, nor would it take away any particular benefits that are currently “guaranteed.”

Instead, Ryan’s plan, which he first included in his 2011 House budget, called for a transition to a premium-support system in which people currently under 55, once eligible for Medicare, would get government subsidies for a selection of insurance plans on a Medicare exchange. The private plans offered would have to include minimum benefits equivalent to those covered by traditional Medicare. The 2011 version of Ryan’s plan didn’t include traditional Medicare as an option on that exchange, but his plan the subsequent year, and every year since, has. His proposals also have grown increasingly more generous in terms of how that premium-support subsidy increases over time.

Land expressed support for the 2012 Republican Platform, which among other things called for a premium-support system like Ryan’s plan.

Democrats have made similar claims against Republicans in many congressional races.

Full story: “Midterm Medicare Mudslinging,” Oct. 3

 

*Claim: Peters, who was the state lottery commissioner from 2003 to 2007, “outsourced millions in contracts out of state, and even to China.”*

*Facts:* Ending Spending Action Fund made this distorted claim, wrongly implying that the outsourcing cost Michigan jobs, and blaming Peters for an out-of-state contract in place before he became lottery commissioner.

The ad cites a 2005 article from the Detroit News about the state purchasing 6 million pencils for the lottery from a Chinese manufacturer for $210,000. According to the state’s purchasing director, Sean Carlson, no Michigan jobs were lost because no state-based company bid on the contract or even made such pencils at the time. The contract actually saved taxpayers $90,000.

The ad also cites a Feb. 12, 2007, article in the Coldwater Daily Reporter that discussed the Michigan Lottery’s contracts with GTECH, a Rhode Island lottery operating company that Bloomberg News described as “the world’s biggest supplier of lottery systems.” GTECH has been the state’s lottery operator since 1988, so the company already held the contract when then-Gov. Jennifer Granholm appointed Peters commissioner on April 9, 2003. In June 2003, after Peters was appointed commissioner, the Michigan Lottery exercised an option to extend GTECH’s contract through 2009. No Michigan jobs were at stake because no Michigan companies competed for this highly specialized work.

Full story: “Jackpot Ad Is a Loser,” Sept. 25

 

*Claim: Peters backed “carbon taxes” that would have “killed up to 96,000 Michigan jobs.”*

*Facts:* Peters didn’t support a carbon tax. Rather, he supported cap-and-trade legislation that independent analyses said would cause a small reduction in employment.

The Land ad cites Peters’ vote for H.R. 2454, also known as the Waxman-Markey cap-and-trade bill, which would have required polluters to have allowances, or permits, in order to emit carbon dioxide. The bill passed the House in 2009 but died in the Senate. A carbon tax, while having a similar goal to cap-and-trade (reducing emissions), would instead be a direct tax on the carbon content of oil, gas and coal. Such a tax is politically unpopular, and legislation that would institute it hasn’t moved out of committee.

The 96,000-jobs figure used by the Land campaign comes from a 2013 National Association of Manufacturers analysis of two hypothetical carbon tax proposals, not Waxman-Markey. We looked at Waxman-Markey back in 2009 and determined that the bill would have caused a loss of jobs, but opponents — including the NAM— were exaggerating the likely impact. Independent experts and the nonpartisan Congressional Budget Office said the cap-and-trade legislation could have led to a small loss of jobs.

Full story: “Peters’ ‘War’ on Michigan Jobs?” May 30 Reported by Huffington Post 11 hours ago.

Christian Financial Guru Contradicts Jesus on Wealth (Video)

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Christian Financial Guru Contradicts Jesus on Wealth (Video) Christian Financial Guru Contradicts Jesus on Wealth (Video)
Christian Financial Guru Contradicts Jesus on Wealth (Video)
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Dave Ramsey
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Christian financial self-help author Dave Ramsey appeared on the "700 Club" this morning where he seemingly contradicted the teachings of Jesus Christ on wealthy people.

Ramsey was promoting his new financial book “The Legacy Journey: A Radical View of Biblical Wealth and Generosity,” which he claimed was supported by Proverbs 21:20: "The wise store up choice food and olive oil, but fools gulp theirs down."

According to RawStory.com, 700 Club host Pat Robertson asked Ramsey, “There’s a bunch of heresy going around, talk about some of those heresies. People are teaching heresy, and this is solid, what you’ve got here in this book.”

“The biggest one I get from folks based on their political agenda, and not really their Biblical knowledge, is that if a camel can’t get through the eye of a needle, then a rich man can’t get into heaven,” stated Ramsey.

However, the analogy of the wealthy man and the camel was spoken by Jesus in Matthew 19:24: "Again I tell you, it is easier for a camel to go through the eye of a needle than for someone who is rich to enter the kingdom of God."

"If that's the case then Jesus' blood that was spilled at Calvary isn't powerful enough to get a rich man into heaven," stated Ramsey. "I think that's called heresy."

Ramsey claimed that placing limits on God based on someone's wealth was "gnosticism."

"That's the spirit of worship versus materialism," claimed Ramsey.

Wile gnosticism does focus on spiritual wealth over material wealth, so does Jesus in Matthew 6:19-21: “Do not store up for yourselves treasures on earth, where moths and vermin destroy, and where thieves break in and steal. But store up for yourselves treasures in heaven, where moths and vermin do not destroy, and where thieves do not break in and steal. For where your treasure is, there your heart will be also."

Jesus also said in Matthew 6: 24: “No one can serve two masters. Either you will hate the one and love the other, or you will be devoted to the one and despise the other. You cannot serve both God and money."

Ramsey blamed people who "just don't understand the Bible" and added, "We've got a lot of Biblical illiteracy out there."

In 2013, Ramsey voiced his opposition to Obamacare, which has extended health care coverage to ten million Americans, on financial grounds, noted The Daily Signal.

“Your health insurance premiums are going to go way up,” Ramsey warned on his radio show. “They have to... it’s not a political statement. It’s that I know how to do math.”

However, the nonpartisan Congressional Budget Office said in a report issued in April that health insurance premiums, which are set by health insurance companies, will have a slight increase in 2015 and possibly a 6 percent increase in following years, reported Newsweek.

Sources: Newsweek, RawStory.com, The Daily Signal

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The Cybersecurity Prescription For Small And Growing Businesses

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It seems that more and more headlines these days are dominated by the latest cybersecurity breach. Target, Home Depot, JP Morgan and others have all been the target of sophisticated hackers and cyber thieves trying to steal customers' sensitive personal and financial information to exploit or sell on the black market. Yet while attacks on global banks and big retailers grab the world's attention, small businesses, startups and entrepreneurs are at serious risk as well.If you are a small business owner thinking that "these kinds of security breaches could never happen to me," you are mistaken. According to Symantec's 2013 Internet Security Threat Report, 31 percent of cyber-attacks committed in 2013 targeted companies with fewer than 250 employees. As the evolution of technology and integrated networks continues at a rapid pace, the interconnected economy that is helping drive growth for so many small businesses is also creating vulnerabilities that threaten to outpace the ability of many entrepreneurs to protect themselves.Even so, there is some good news. Just as diet and exercise, regular doctor visits and health insurance are critical elements of a holistic plan to keep your body healthy, there are important steps that small business owners can take to vaccinate their business against infection, strengthen their network's immune system, and protect their data and that of their customers or clients against invasive, foreign viruses that threaten their enterprises.In recognition of October 2014 as the 11^th annual National Cyber Security Awareness month, we are prescribing a three step program of best practices that every small business and entrepreneur should follow to improve the cyber health of their company:1. The One-Two Combination Punch: Encryption and TokenizationEveryone knows that diet or exercise alone is not enough to keep one physically fit, but combining the two is a time-tested way to stay healthy. In the same way, small business owners need to combine the right technologies to create a cost-effective strategy that reduces risk and maximizes return on their cybersecurity investment. The combination of encryption and tokenization is an effective strategy to minimize security weaknesses, address authorization vulnerabilities and protect sensitive stored data.Encryption occurs at the point of sale in the credit card terminal, encoding a card's number when it is received by the merchant, so that even if hackers access the data, their numbers are useless and cannot be used. Tokenization is a technology that protects the cardholder by creating a "token" that replaces the credit or debit card number so the real number and identity is never transferred. Using encryption and tokenization together protects customer data and thwarts even the most sophisticated thieves, minimizing fraud and protecting the cardholder even after the purchase is validated.2. Inoculate Against the New Superbug: Updating Your Security TechnologyJust as advances in medicine and technology are necessary to stay ahead of mutating viruses that are adapting to resist today's drugs, it is important for small business owners to keep their security technology and software systems up-to-date to protect against aggressive criminals. New point of sale systems and devices and EMV technology (which stands for Europay, Mastercard and Visa, a global standard for inter-operation of integrated circuit or "chip" cards) are critical to protecting cardholders and the business. EMV technology replaces the magnetic strip on credit and debit cards with smart processing chips that enable more robust verification to protect against consumer-level fraud. As EMV becomes more the standard more widely, businesses are upgrading and replacing their point-of-sale card terminals and devices to ensure compatibility with this cybersecurity innovation.3. Talk to Your Cyber Health Professional: Consult Your Financial Institution or Processing PartnerOctober is not only National Cyber Security Awareness month, but it is also the beginning of flu season. Did you get your flu shot? Maybe it's also time for your annual physical and check-up. There is no better time for small business owners to reach out to their trusted partners at their preferred financial institutions and processing partners for a check-up on the health and security of their business systems.These trusted partners can help small business owners better understand their data security responsibilities, review available solutions and implement a plan to ensure long-term business protection. The partners are responsible for keeping clients informed of potential risks and consequences and arming small businesses with the technologies to keep clients and customers safe and secure. Financial institutions and processors can help implement the necessary measures to deploy a comprehensive security program to ensure small business owners and customers are protected from criminals so merchants can conduct business with confidence.Whether or not you have been infected in the past or if you are experiencing symptoms today, now is the time to make sure you, as a small business owner, are immunized and inoculated against looming cyber threats. Utilizing encryption and tokenization, updating to EMV-compatible point-of-sale technology and consulting with your financial institutions and processing partners are the key ingredients necessary to keep your business healthy and growing, today and into the future. Reported by Huffington Post 9 hours ago.

Insurance commissioner to reverse some mental health coverage denials

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Washington Insurance Commissioner Mike Kreidler is taking a recent Supreme Court ruling — which upheld that insurance companies can't use blanket exclusions to deny mental health coverage — to the next level. Kreidler, in a letter sent to health insurance issuers throughout the state Monday, said his office will be reviewing denied mental health claims dating back to 2006. This comes on the heels of Regence BlueShield settling two class-action lawsuits regarding coverage for neurodevelopmental… Reported by bizjournals 8 hours ago.

Pet Health Insurance Prices Now Searchable Using Updated Insurer Portal Online

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Pet health insurance pricing is now searchable while using the modified insurer tool built at the Quotes Pros website at http://quotespros.com/health-insurance.html.

Albany, NY (PRWEB) October 21, 2014

Planning in advance for accidents or illness prevention is one way that some American adults are securing a better lifestyle for pets this year. The Quotes Pros company is now allowing access to pet health insurance prices through national companies inside of its system for review at http://quotespros.com.

A revised tool for locating companies has been installed for this year to help connect consumers with companies specializing in the health and welfare of various types of pets. The database of companies is now accessible through zip codes to refine the price research available to the public.

"The safety and security of a pet is important to individuals and families and our new system is helping to provide low price providers to the public," said a Quotes Pros source.

Surgery pricing and routine visits to veterinarians across the U.S. have increased in price over the past decade, according to insurance industry data. Men and women who do not have insurance typically are required to use cash or credit cards to fund healthcare for animals. The quotation system at the QuotesPros.com website is one tool helping to lower policy costs.

"What our system provides to the public is a really easy way to research pricing and types of coverage that companies supply that can be purchased on the Internet," the source included.

The Quotes Pros company will allow open access to its pet insurer finder tool this year along with its existing database of companies. Consumers considering adding life insurance or other coverage plans do have the freedom to review agencies quoting these plans at http://quotespros.com/life-insurance.html.

About QuotesPros.com

The QuotesPros.com company is now providing a broad range of insurers inside of its lookup tool that was launched for public use last year. The entrance of new companies has increased the daily usage of the quotation tool available on the QuotesPros.com homepage. A larger list of national providers of coverage plans is fully available to search and to review quotations from 24/7 when accessing the modified company database tool. Reported by PRWeb 8 hours ago.

Mike Lee Touts Col. Rob Maness in Louisiana Because of Conservative Reform Agenda

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Mike Lee Touts Col. Rob Maness in Louisiana Because of Conservative Reform Agenda Sen. Mike Lee (R-UT) spoke highly of Tea Party-backed Col. Rob Maness in Louisiana on Tuesday, saying he is "surging" in the state’s three-way election there due to his backing of the conservative reform agenda Lee has been pushing.

Lee was talking about conservative Republicans nationwide who are running on positive, big picture ideas like he’s been fighting for in his four years in the U.S. Senate.

Lee wrote on his Facebook page on Tuesday:

A new generation of Republican candidates are finding success by directly addressing Americans’ concerns and running on a conservative reform agenda. The American people aren’t willing to accept the failed policies of the Left, but they also no longer want to hear platitudes and poll-tested promises from the Right. That’s why some of the most successful and surging candidates are those who have been ironing out a real agenda for the country.

Lee highlighted Nebraska’s Ben Sasse, Michigan’s Terri Lynn Land, Arkansas’ Tom Cotton, and Maness from Louisiana. The mentioning of Maness in his post is certainly noteworthy, as many national Republicans have thrown their weight behind the other Republican in the race, Rep. Bill Cassidy (R-LA).

Maness, according to the latest poll from WAFB-TV, is trailing Landrieu’s 36 percent and Cassidy’s 32 percent with just six percent of the vote. He will, however, be participating in a final debate with both Cassidy and Landrieu on Oct. 29 at Louisiana State University in Baton Rouge.  Lee wrote:

In Nebraska, Ben Sasse won a convincing 27-point victory in the primary and is consistently leading in the polls by focusing on a replacement plan for Obamacare that lowers premiums and puts patients in control of their health care. Terri Lynn Land has made Michigan a toss-up by putting forward a bold 5-point domestic agenda that includes transportation and higher-education reform. Col. Rob Maness has begun to surge in Louisiana by endorsing detailed tax, energy, and anti-cronyism reforms. Rep. Tom Cotton has a commanding lead in Arkansas because he has tackled tough issues like border security, the long-term solvency of entitlements, and specific provisions to lower the cost of health insurance.

Lee’s comments aren't an endorsement of Maness, who has the backing of former Alaska Gov. Sarah Palin and was just endorsed by Mississippi state Sen. Chris McDaniel—who is set to campaign with Maness this week after earlier this year being brutally attacked by establishment Republicans when he nearly beat U.S. Sen. Thad Cochran (R-MS) in a primary. McDaniel has alleged widespread voter fraud and that Cochran’s campaign and its allies like Republican National Committeeman Henry Barbour lied about his record to get Democrats in Mississippi’s black community to cross over and vote for Cochran in the runoff on June 24.

Since there’s a three way race in Louisiana, if no candidate receives 50 percent of the vote plus one there will be a runoff in December. In that vein, Maness is facing some pushback from Washington Republicans, though not as of yet nearly as severe as what McDaniel faced. Republicans inside the beltway argue that Maness is forcing a runoff when Cassidy could beat incumbent Democratic Sen. Mary Landrieu (D-LA) on Nov. 4 avoiding a runoff. But polling data shows Landrieu leading Cassidy by several points right now, so Maness’ presence in the race is likely helping ensure that Landrieu doesn’t win outright on Nov. 4.

Maness has definitely seen some promising signs of campaign momentum in recent weeks after he’s rolled out a series of detailed reform agenda type plans like his Contract for Louisiana, his Freedom for Veterans, Life for Louisiana, Working For Us, Opportunities For All Education, Energy For Us, and other plans.

“Senator Lee is right, we need a blueprint for action built on specific policies and ideas, but the first thing that has to happen is participation from everyone," Maness said in response to Lee’s comments. “What's wrong with having an open debate about ideas? The CRA appeals to working folks in Louisiana, not Washington or Wall Street. Too many people have no idea what the Republican Party stands for anymore - we can and must change that. I'm proud to stand with Senator Lee -- the only question is will Bill Cassidy do the same?”

Lee was just named the incoming chairman of the powerful Senate Steering Committee, where conservatives in the Senate GOP conference work to form an agenda to move the GOP to the right. He’s worked alongside other Republican leaders, including most recently Republican National Committee (RNC) chairman Reince Priebus, to get them to back his positive reform policies with the idea of building a vision for the Republican Party that’s bigger than just being opposed to what the Democrats want.

Lee wrote in his Tuesday Facebook post:

This election is shaping up to be both a referendum on Obama’s failed policies and the Democrats’ lack of real solutions that address Americans’ growing economic insecurity and immobility. Conservatives have dozens of specific, detailed proposals to get the country back on track, many of which were heralded in a recent speech by RNC Chairman Reince Priebus. Despite what some may have you believe, there is a stark difference between the vision of the Democrat Party and the new, up-and-coming leaders in the Republican Party. We can and will influence the direction of the country in this election if we only have the courage and discipline to stand up, speak out, and show up on Election Day.

In an interview after Priebus laid out several positive policy prescriptions in a speech earlier this month, Lee told Breitbart News that it is Republicans who have an agenda to help America—while the Democrats are hiding their agenda because it doesn’t help people.

“We have a broad agenda for how we should address some of our economic and national security problems, while the Democrats sort of just run on their own failed record, which includes things like high unemployment and significant debt,” Lee said then. “The choice couldn’t be more clear, as Chairman Priebus explained this morning, and it’s up to the American people to decide which course we take. I really like how Chairman Priebus outlined some of the main issues we need to be focused on, and also how he emphasized not just what we’re against but also what we’re for.” Reported by Breitbart 7 hours ago.

Children's Health Insurance Program deserves funding

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In what may be a hopelessly quixotic effort, supporters of the federal Children's Health Insurance Program are trying to persuade Congress to renew its funding almost a year in advance — and in a lame-duck session. Nevertheless, lawmakers ought to heed that call. The program plugs a... Reported by L.A. Times 6 hours ago.

Jeanne Shaheen Says She's 'Absolutely' Proud Of Obamacare

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WASHINGTON -- Democratic Sen. Jeanne Shaheen refused to shy away from Obamacare on Tuesday in the first televised debate of the New Hampshire Senate race.

Shaheen, one of several vulnerable Democrats up for re-election in November, forcefully defended the health care law moments after Scott Brown, her Republican opponent, said he would fight to repeal it. When specifically asked if Obamacare was a proud achievement, Shaheen responded, "Absolutely."

"I think making sure that almost 100,000 people in New Hampshire have access to health care is real progress for people in this state," Shaheen said.

Brown's approach, Shaheen added, would strip people in New Hampshire of health insurance and void some of the law's most popular provisions, such as coverage for pre-existing conditions and allowing individuals to stay on their parents' health care plans until age 26.

"If you listen to my opponent and me, this is a fundamental difference, because I believe people in New Hampshire should be able to get access to health care," Shaheen said. "If you listen to what he is proposing, he would throw tens of thousands of people off of their health care without any plan to [replace] it. I don't think most people want to go back to a time when they didn't have health care."

Shaheen in the past criticized the implementation of the health care law and called on the Obama administration to extend the open enrollment period amid the flawed rollout of the Healthcare.gov website last year. Although she has not run away from the law, Republicans have attacked Shaheen throughout her re-election campaign for casting the "deciding vote" when Obamacare was passed in 2010.

That claim, disputed by fact-checkers, was reiterated by Brown during Tuesday night's debate.

For his part, Brown maintained that he would like to see the health care law repealed. But when quizzed on a GOP replacement plan, Brown expressed support for a proposal that would keep intact central Obamacare tenets -- including coverage for individuals with pre-existing conditions and allowing young adults to remain on their parents' plans.

Outside of the health care discussion, President Barack Obama appeared to be an obstacle for Shaheen throughout the debate. Several questions, specifically on the administration's response to the threat from the Islamic State and its handling of the Ebola outbreak in West Africa, put the incumbent on the defensive.

When asked about Brown's charge that she voted with Obama 99 percent of the time, Shaheen pivoted to a federal prison for which she was able to secure funding. She declined to give a yes or no answer on whether she approved of the president's job performance, saying she sometimes agrees with Obama and other times does not.

The crowd was nonetheless more supportive of Shaheen than Brown, who drew laughter on more than one occasion. Audience members jeered Brown when he sought to position himself as a New Hampshire resident in response to a question over why he chose not to run in Massachusetts, where he served as senator before losing his seat to Elizabeth Warren in 2012.

Shaheen came equipped with a response of her own to Brown's foray into the Granite State. ”I don’t think New Hampshire is a consolation prize," she said.

HuffPost's Pollster average, which combines all publicly available polling, shows Shaheen leading Brown by just under 3 percentage points.-----------------------

What's happening in your district? The Huffington Post wants to know about all the campaign ads, mailers, robocalls, candidate appearances and other interesting campaign news happening by you. Email any tips, videos, audio files or photos to openreporting@huffingtonpost.com. Reported by Huffington Post 4 hours ago.

Maine Gov. LePage, Who Vetoed Medicaid Expansion, Wants To 'Find A Way' To Help Uninsured

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WASHINGTON -- Maine Gov. Paul LePage (R) said Tuesday that he wants to "find a way" to provide health insurance to the state's 70,000 uninsured, even though he vetoed legislation in April that would have done just that -- and at no cost to the state.

During a gubernatorial debate, LePage said he vetoed the Medicaid expansion bill because it would have covered people with incomes at 400 percent of the federal poverty level. The bill would have accepted millions of dollars in federal funds for the state's MaineCare program under the Affordable Care Act, which LePage has criticized. The federal government would have paid for the entire cost of the Medicaid expansion until 2017, at which point it would lower its coverage to 90 percent.

"I do agree, there are people under the federal poverty level," LePage said. "They need to be able to go to the exchanges. The federal exchanges will allow anyone from 100 percent on up to 400 percent to quality for large subsidies. We need to maximize that aspect of it. Take those that do not qualify and then find a way to get them insurance."

LePage's comments were confusing, though, because the exchanges are part of the Affordable Care Act. The debate moderator pointed out that health care options available to low-income residents outside of the president's health care law may have unaffordable deductibles. LePage blamed that on the Affordable Care Act.

"That's ACA. I didn't put that in," he said.

When the moderator clarified he was talking about private health care options outside of the Affordable Care Act, LePage blamed that on the Affordable Care Act, too.

"Yeah, well that's ACA. That's what I'm saying," LePage said. "The ACA has changed the entire system."

LePage's Democratic challenger, Rep. Michael Michaud, said as governor he would send a bill to the state legislature on his first day in office that would take advantage of the federal Medicaid dollars.

"I'll be submitting legislation to the legislature that will cover the 70,000 Mainers who were denied access under the Affordable Care Act, and of which 3,000 were veterans," Michaud said. "Not only because it's the morally right thing to do, but the state will save over $600 million over a 10-year time frame."

Eliot Cutler, the independent candidate in the race, said he, too, would expand Medicaid and accept the federal funds.

"Every single person in the state of Maine, every man woman and child, ought to have, needs to have, access to primary and secondary care. They need a medical home," said Cutler. "Because if they get sick, it costs all of us money."

Michaud is leading LePage in the campaign by just over a percentage point, according to HuffPollster.
----------------------What's happening in your district? The Huffington Post wants to know about all the campaign ads, mailers, robocalls, candidate appearances and other interesting campaign news happening by you. Email any tips, videos, audio files or photos to openreporting@huffingtonpost.com. Reported by Huffington Post 3 hours ago.

The Seeds of a New Labor Movement

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This article is from the Fall 2014 issue of The American Prospect magazine.

If anyone has the right to be upbeat about the prospects of the American labor movement, it should be David Rolf, the president of a Seattle-based long-term care local of the Service Employees International Union (SEIU). Between 1995 and 1999, while still in his 20s, Rolf directed a campaign that unionized 74,000 home care workers in Los Angeles. It was the largest single unionization since the United Auto Workers organized Ford in 1941. SEIU then sent him to Seattle, where he has nearly quadrupled SEIU’s Washington state membership. Last year, he led the initiative campaign that persuaded voters in SeaTac, the working-class Seattle suburb that is home to the city’s airport, to raise the local minimum wage to $15—the highest in the nation. He also managed to make SEIU’s campaign to organize fast-food workers and raise their pay to $15 the centerpiece of the mayoral race in Seattle proper. Prodded by the fast-food workers, State Senator Ed Murray ran on the promise to raise the local minimum to that level. After Murray was elected mayor, he appointed Rolf to lead the labor delegation on the business–labor task force that would devise the plan for phasing in Seattle’s new minimum. This summer, the city enacted the task force’s recommendations. The $15 minimum wage is now law.

Over the past 15 years, no American unionist has organized as many workers, or won them raises as substantial, as Rolf. Which makes it all the more telling that Rolf believes the American labor movement, as we know it, is on its deathbed, and that labor should focus its remaining energies on bequeathing its resources to start-up projects that may find more effective ways to advance workers’ interests than today’s embattled unions can.

In early 2012, Rolf attended a national SEIU board meeting in New Orleans, where he heard a presentation from the head of the union’s Louisiana local. The local had had 6,000 members a few years earlier, but it had shrunk to 1,200 after the chambers of commerce in cities with which it had had contracts got court injunctions forbidding any such contracts.

“Anti-union injunctions?” Rolf asks incredulously. “Getting a federal law forbidding such injunctions was the No. 1 demand of unions in the 1928 presidential election. Were we back in 1928? Before Norris-LaGuardia [the 1932 federal act that forbade such injunctions in the private sector; the Louisiana local was public sector]? Before the Wagner Act? Before the New Deal? This set me on a quest to figure out what had happened to labor—and what we should do now.”

Leaders of the biggest local unions, Rolf realized, were clustered in a handful of regions where labor, though declining, had not yet disappeared. “If you’re a union leader in Seattle or New York or L.A., you can think things are OK,” Rolf says. “But there goes Wisconsin; there goes Indiana. If right-to-work passing in Michigan isn’t Lenin’s statue coming down in Red Square, I don’t know what is.”

Most labor leaders and activists concur that the union movement is in something close to mortal peril. With Rolf, they believe that the inadequacies of the 1935 National Labor Relations Act (the Wagner Act), which union-busting employers are able to violate with impunity, have made it almost impossible to organize private-sector workers. Unable to grow, labor has also seen its ranks diminished by the offshoring of millions of jobs and the relegation of millions more to the ranks of contingent labor or ostensible self-employment. Today, the percentage of private-sector workers in unions has dropped to a bare 6.7 percent—roughly its level at the beginning of the 20th century, before the advent of a sizable middle class.

“The path to collective bargaining has been shut down in the United States,” says Larry Cohen, president of the Communications Workers of America (CWA) and head of the AFL-CIO’s Organizing Committee. Where Rolf differs from most of his colleagues is in his belief that collective bargaining—at least, as the nation has known it for the past 80 years—is not coming back. In a paper he distributed to his colleagues in 2012 and in commentaries he wrote for several magazines (including this one), he argued that unions should acknowledge their impending demise—at least in the form that dates to the Wagner Act—and focus their energies and resources on incubating new institutions that can better address workers’ concerns. “The once powerful industrial labor unions that built the mid-century American middle class are in a deep crisis and are no longer able to protect the interests of American workers with the scale and power necessary to reverse contemporary economic trends,” he wrote in his paper. “The strategy and tactics that we’ve pursued since the 1947 Taft-Hartley Amendments [which narrowed the ground rules under which unions may operate] are out of date and have demonstrably failed to produce lasting economic power for workers. We must look to the future and invest our resources in new organizational models that respond to our contemporary economy and the needs of today’s workers.”

This October, with funding from his local, from the national SEIU, and from several liberal foundations, Rolf will unveil the Future of Work Action Center, housed at the Roosevelt Institute in Washington, D.C. The center will study and, in time, invest in organizations that, in Rolf’s words, “have the potential to build economic power for workers, at scale, and to sustain themselves financially.” Whatever those organizations may be, they won’t be unions—at least, not unions as they currently exist.

Rolf’s prescriptions, and Rolf himself, have engendered a good deal of controversy within the labor movement. His blunt talk about unions’ inadequate present and nonexistent future have made him “a pariah to some in labor,” says David Freiboth, the head of the Seattle-area AFL-CIO. “He’s brilliant. He’s egotistical. What he says about the movement, people take personally. He’s not wrong in what he says, but there’s a way to tell your wife she’s overweight. You don’t just say, ‘Honey, you’re fat.’ But that’s David’s way.”

But the unease that Rolf and his ideas have created can’t just be ascribed to a lack of tact. Rolf’s role is that of a disruptive innovator in an embattled and defensive institution. He gives voice to the fears that many in labor share but are reluctant to acknowledge or act upon. And his quest for some new way to amass power for workers, something other than the decaying collective bargaining regime of the past eight decades, raises yet another fear: Suppose there is no new way for workers to assert their interests? What should labor—what should the nation—do then? 

And yet, quite independent of Rolf’s writings, a growing share of the organizing in labor today is already taking place outside the structures of collective bargaining. Unions are organizing domestic workers, who have no common employer. They are organizing taxi drivers, who are self-employed. The AFL-CIO’s major organizing effort, Working America, is a community-based campaign that until recently hadn’t dealt with its members’ workplace concerns or had a presence in those workplaces. And in the fight to raise Seattle’s minimum wage to $15, even though few if any of the beneficiaries were or would become union members, Rolf ended up bargaining with employers on behalf of the city’s entire working class.

 

SEIU 775/Flickr

David Rolf, president of SEIU Local 775, addresses the local's annual member convention on September 6, 2014.

Rolf loves talking about the ins and outs, the stratagems and tactical coups, of the campaigns he’s directed. The leader of the largest local union in Washington state—SEIU Local 775, which represents home care and nursing home workers—had not planned to wage a campaign last year to raise the minimum wage in SeaTac. But when the Port of Seattle, which runs the airport, and Alaska Airlines, the airport’s dominant airline, spurned the efforts of SEIU’s organizers to unionize the baggage handlers and fry cooks who worked at the airport at or near minimum wage, “we needed a big piece of leverage to bring them to the table,” Rolf says.

The leverage was an initiative the unions said they’d place on SeaTac’s November 2013 ballot—an initiative so radical it would surely push Alaska Airlines and the Port to the table. The initiative would increase the local minimum wage from Washington state’s minimum of $9.32 to $15.00 at both the airport and its surrounding hotels. The phase-in period between election and implementation would be a mere seven weeks.

Still, Alaska Airlines and the Port refused to bargain. SeaTac voters would never approve such a measure, they believed; SeaTac wasn’t that kind of town.

Seated in his neat, sparsely decorated corner office in the downtown Seattle headquarters of Local 775, Rolf recounts how his union, the fast-food organizing campaign it guided, and the coalition it assembled proved them wrong. Rolf is 44, but his wide eyes and baby face make him look considerably younger—a union and political prodigy wise beyond his years. In the breadth of his historical references and in his occasional use of the high-tech business patois that is increasingly Seattle’s lingua franca, he can seem more like an unusually well-educated business academic than the labor leader who led the campaign that won the nation’s highest minimum wage.

“We were backed into the initiative by Alaska’s and the Port’s intransigence,” he says. He quickly recognized the measure could not pass absent an extraordinary effort. “There were 11,000 registered voters in SeaTac, and we figured the only way we could win was to expand the electorate.” The coalition’s canvassers registered 1,000 new voters, mainly immigrants. (SeaTac is home to many Somali Americans who work at the airport.)

Speaking rapidly, warming to the topic, Rolf continues: “In the normal Washington-state model, your peak communication with voters is the Friday before election day. But we peaked when the ballot hit, well before the final weekend. [All voting in Washington is done by mail ballot.] We put 400 professional union organizers on the doorsteps that day and for the next five days—eight-hour shifts. We targeted people who never voted or only voted in presidential elections, but who had family, friends, someone they knew who worked at the airport. The organizers each had a list of 25 voters; they went back to each initiative supporter’s house repeatedly until they saw they actually mailed the ballot.” The initiative passed by 77 votes.

But the triumph in SeaTac was only the second most important victory that Rolf’s union won last Election Day. In Seattle proper, State Senator Ed Murray was elected mayor, chiefly on the strength of his pledge to raise Seattle’s minimum to $15 as well. While SEIU’s “Fight for 15” campaign to unionize fast-food workers has highlighted the plight of low-wage workers in dozens of cities, only in Seattle did the issue come to dominate the municipal elections. That was Rolf’s and his fast-food organizers’ doing. They timed the workers’ demonstrations to coincide with key events during the campaign. Their coup de théâtre was to arrange a televised debate among the major mayoral candidates at which the questioners were all low-wage workers (including a Burger King employee active in the fast-food campaign)—who, of course, asked the aspirants if they supported a $15 minimum for Seattle. It was there that Murray, more than any of the other candidates, first spoke favorably of the idea. As the campaign progressed, as the demonstrations continued to draw widespread coverage, and as the $15 question came up at every candidates forum, the fight for 15 became Murray’s signature issue. On Election Day, his victory, the victory at SeaTac, and the upset Seattle city council victory of Kshama Sawant, a Trotskyist champion of the $15 standard, combined to create a perfect storm for a pay raise.

“David’s initiative, injecting the fast-food campaign into the mayor’s race, was the key to the Seattle raise,” says the AFL-CIO’s Freiboth.

Before he even took office this January, Mayor-elect Murray appointed a labor–business task force to arrive at a common plan for phasing in a new minimum wage. Both Freiboth and Rolf feared that national groups like the U.S. Chamber of Commerce would mount an initiative campaign if the city government raised the minimum to $15. The way to forestall that was to have the plan that the city council would vote on devised by a task force that included Seattle’s own business leaders—particularly from the low-wage hotel and restaurant sectors. 

When the deliberations on Murray’s task force threatened to break down, it was Rolf who held things together, says Howard Wright, the Seattle hotelier and convention executive who headed the task force’s business side. “He kept saying, ‘Let’s not have our desires for the perfect get in the way of success.’ He was practical, less ideological than other members of the task force. If the labor movement had more David Rolfs, it would hold its own for a very long time.” (An assessment with which Rolf clearly disagrees.)

Confronted with the prospect of Sawant’s supporters mounting an initiative campaign like SeaTac’s, which would raise the minimum to $15 immediately, the task force’s business-side members had no real alternative but to agree to a $15 standard that would be phased in more gradually. The labor side of the task force, which Rolf headed, prevailed on most points of contention. While stretching out the phase-in to seven years for mom-and-pop businesses, the task force voted almost unanimously to limit the phase-in to four years for corporate-affiliated franchises like McDonald’s, and to include tipped workers under the ordinance’s provisions. In June, the city council enacted the task force’s recommendations, and Murray signed the ordinance into law.

15 Now/Seattle

Activists at an April demonstration demanding a $15-per-hour minimum wage in Seattle.

“It wasn’t traditional collective bargaining,” says Rolf, “but it was an alternative form of bargaining. It was very like Europe—politically constructed bargaining between the leaders of business and labor. Some of the people who will benefit from the raise will be union members in home care and grocery stores, but most will never be union members. It covers more people than any contract you could get today.”

But the unions’ success in raising the minimum to $15 also illustrates how difficult it has become to unionize workers, absent recourse to electoral politics and local government regulation. Given Seattle’s progressive politics, it proved easier to win a minimum wage increase to $15 an hour—which will hike the pay of an estimated 100,000 workers by the time it fully takes effect—than to organize just 4,000 workers at the airport.

Indeed, SEIU’s nationwide campaign to win fast-food workers a contract with such giant corporations as McDonald’s and Burger King has yet to add a single worker to its ranks. That can’t happen unless those corporations recognize the union and sign a collective bargaining agreement with it, a happy ending that some union strategists can’t quite envision ever coming to pass. What the campaign has accomplished is to have highlighted the low pay and arbitrary work schedules of millions of workers, which in turn has led a growing number of liberal cities and states to enact minimum wage hikes—though none as far-reaching as Seattle’s—and paid sick day laws.

The disjuncture between unions’ ability to advocate for workers in the political arena (though only where the center-left governs) and their inability to augment their shrinking ranks with new members cannot continue indefinitely, however. It takes the resources of unions like SEIU and federations like the AFL-CIO to elect public officials who will respond to workers’ concerns, just as it takes those resources to mobilize workers’ demonstrations of their concerns.

Within labor, “that’s one reason why the fast-food campaign engenders a sense of unease as well as a sense of excitement,” says one union official. “SEIU is making a huge investment with no clear sense that it will ever be able to claim a fast-food worker as a member. How long can that be a sustainable model?”

And yet, precisely because organizing that results in a union contract is all but impossible save in a small number of sectors, much of the organizing currently under way in the United States is of and by workers who aren’t in standard employee relationships, or who seek legislative rather than contractual remedies, or both.

Women Together/Flickr

MacArthur Award-winning organizer Ai-jen Poo, director of the National Domestic Workers Alliance, addresses a rally.

When we started organizing domestic workers,” says Ai-jen Poo, founder and director of the National Domestic Workers Alliance (and a recipient this year of a MacArthur Foundation “genius” award), “we were calling for a standard contract. But domestic workers aren’t covered under the National Labor Relations Act, or the Fair Labor Standards Act, which is the federal minimum wage legislation. So we shifted our focus to changing labor laws in New York state.”

There, the alliance built an organization of domestic workers that demonstrated and held events to make themselves visible (to themselves no less than to everybody else) as a group of workers who were singularly devoid of the rights most Americans took for granted. After years of lobbying Albany, in 2010 they won a Domestic Workers Bill of Rights that protected them from discrimination and harassment, gained them coverage under worker compensation laws, guaranteed them one day of rest per week, and entitled them to three paid sick days. Hawaii, California, and Massachusetts have since passed their own versions of the act. In October, the alliance, which has grown to include chapters in 42 cities, will join with SEIU and the American Federation of State, County and Municipal Employees (AFSCME) in St. Louis for the first home care worker organizing summit, which, says Poo, “will look at, among other things, how we can raise our wages to $15.”

Since there’s no employer or agency with whom domestic workers can collectively bargain, building membership is arduous, and building a membership that can financially sustain the organization is, at least for now, impossible. Foundations and individual donors fund the alliance. One way to enroll workers in the group, Poo says, is to establish member-led enforcement programs once protective legislation is enacted. Members take assignments both to inform domestic workers of their rights and to provide them with and serve as member contacts when those rights are violated.

A similar dynamic exists at the National Taxi Workers Alliance, whose members are classified as independent contractors. Unlike domestic workers, however, taxi drivers (in most cities, an almost entirely immigrant workforce) come together in the course of their daily rounds in airport parking lots. When Bhairavi Desai, the daughter of Indian immigrants, began organizing New York’s cabbies in 1996, she spent most of her time in the taxi lines at LaGuardia Airport, with the goal of building an organization that could compel the city’s Taxi Commission to enact pro-driver (or at least mitigate anti-driver) regulations.

In 1998, more than 90 percent of the city’s drivers participated in a one-day strike over the commission’s newly enacted driver penalties, which the commission promptly rescinded. The Taxi Alliance’s biggest victory came in 2012, when the commission agreed to set aside six cents per fare to establish a supplemental health and disability fund that partially covers drivers’ dental and vision care.

Like the National Domestic Workers Alliance and many workers centers in immigrant communities, the Taxi Alliance provides workers with a range of services, including help in filing for citizenship and dealing with their children’s schools. Unlike most of those centers, however, it limits the amount of foundation grants it accepts, in the belief that such grants can restrict the organization’s freedom of action. Until the past couple of years, in consequence, Desai was its only paid staffer. 

Of the 30,000 active drivers in New York, 17,000 belong to the Taxi Alliance, of whom 3,500 pay the annual dues of $100. The organization has also established chapters in Philadelphia, San Francisco, Austin, and Montgomery County, Maryland. Nationally, 4,500 drivers pay dues to the organization.

Since 2012, traditional unions have begun organizing taxi drivers as well, notwithstanding that none are in traditional employer-employee relationships. The Teamsters have organized drivers in Washington, D.C.; AFSCME has organizing campaigns in Chicago and New Orleans; there are even campaigns in several cities to organize drivers for Uber. The unions’ campaigns, and those of groups like the Domestic Workers and the Taxi Alliances, attest to many immigrants’ openness to organizing as a way to improve their generally abysmal working conditions and pay. But for most, such improvements may come outside of the collective bargaining arena.

In 2011, the AFL-CIO broke new ground by affiliating the National Taxi Workers Alliance. “Many affiliates in the AFL-CIO or Change to Win [the mini-federation of the SEIU and the Teamsters] have some locals of contingent workers, or individual members who are contingent,” says Desai. “But we’re the first national affiliate where all the members are contingent. We bear witness to the fact that workers anywhere and everywhere can organize.”

By far the largest number of members enrolled in a union-organized non-union are the 3.3 million members of Working America, an AFL-CIO–backed group that recruits people in working-class neighborhoods on their doorsteps in an effort to persuade them to support labor-backed candidates at election time. The program began a decade ago with the goal of swaying the votes of non-union white working-class electors in such swing states as Ohio and Michigan by making the economic populist case for the AFL-CIO’s endorsed candidates. Working America was “battling for people who otherwise would be captured by Fox News,” in the words of Karen Nussbaum, the organization’s director. In the dozen states in which it has been active, Working America is recognized as an effective political force that has influenced numerous elections.

Over the past couple of years, Working America has expanded its mission. In Albuquerque, it mobilized voters to pass an initiative giving the city council the power to raise the minimum wage, then organized them to pressure the council to raise it, and then enrolled its activists to serve as informal enforcement agents—a task the city was slow to undertake. (Members handed out palm cards reading “Got Your Raise Yet?” to workers in low-wage establishments.) It recently placed organizers in four cities, says Nussbaum, “in a pilot program to deal with workplace and community issues.”

Polling has shown that most Working America members support the candidates and positions the AFL-CIO recommends. In most places, however, it is not the kind of organization whose members ever attend a meeting, much less pay any dues. It’s a problem to which Nussbaum is no stranger. As one of the founders of 9to5, a proto-feminist organization of secretaries in Boston in 1973, she grappled with how to build a workers’ organization that couldn’t fund itself through collective bargaining. “Today, it’s become one of the biggest challenges not just to Working America but to the entire progressive movement: How do you build self-sufficient workers’ organizations outside of collective bargaining?” Working America has begun experimenting with brokering health insurance policies under the Affordable Care Act to its members as a possible source of funding. “SEIU got its start providing burial insurance to janitors,” she notes.

 

AFL-CIO

AFL-CIO President Richard Trumka and National Taxi Workers Alliance Executive Director Bhairavi Desai (center, at podium) at the federation's Washington, D.C., headquarters on October 20, 2011, when Desai accepted the alliance's charter as a member union of the AFL-CIO. The two are surrounded by members of the alliance.

More than most union leaders, Rolf is a student of labor history. As an undergraduate at Bard College in the early 1990s, he wrote his senior thesis on the “Protocols of Peace”—the 1910 agreement between New York’s clothing manufacturers and the International Ladies Garment Workers Union, hammered out by Louis Brandeis, Edward Filene, and John Dewey.

“In the 19th and early 20th century, the American labor movement consisted of competing experiments with a range of origins, goals, and structures,” Rolf says. “In Seattle, the first unions evolved from gangs of white workers beating up Asians. Elsewhere, labor was shaped by syndicalists, anarchists, immigrant movements, communists, eight-hour-day clubs—the sum total of all this wasn’t just unions but a range of very different movements. The Yiddish-speaking socialists had very little in common with the iron workers who blew up the L.A. Times.”

“We had competing models of how to build power for workers,” he continues. “We’ve had one model since 1935 [when the National Labor Relations Act was passed]. Which would be fine if it weren’t dying.”

Rolf has firsthand experience with what the 1935 model once could accomplish. Born and raised in Cincinnati, he grew up in middle-class surroundings (his father was an attorney; his mother a teacher active in Unitarian causes), just a generation removed from working-class roots. “My mother’s father would tell me about how the UAW changed his life,” Rolf says. “He would migrate back and forth from the farm to the factory, depending on the economy. He was an industrial carpenter at a GM plant in Ohio. Three times while he worked there, the union struck; three times he walked the picket lines. He credited that, he credited the UAW, for making him middle class.”

At Bard, Rolf was active in a range of progressive causes, particularly pro-choice groups and the campus chapter of ACT UP New York. As his choice of topic for his senior thesis indicates, he was growing more interested in working people’s movements, and spent the summer between his junior and senior years interning for an SEIU organizing project in Atlanta. As graduation neared, he couldn’t figure out what graduate specialty he wished to pursue, so he decided to take a year off from academics by accepting a job offer from the SEIU local for which he’d interned. “But I fell in love with working in the movement,” he says, “and never wanted to do anything else.”

The labor movement to which Rolf reported, however, could no longer grow and deliver as it had in his grandfather’s day. Rolf’s new employer was a local of Georgia state workers who had no legal bargaining rights—“then or now,” Rolf adds. “We had a theory that the local could first win the right to have its members check a box to set aside a small portion of their paycheck for union dues, just as they could check a box to set aside donations to the United Way. From there, we thought it could win some rights, though not collective bargaining, through an executive order by the governor, and then full bargaining rights through the legislature. What the hell were we thinking?”

Some of what SEIU was thinking was that the South was gradually becoming more like the rest of the nation in accepting unions. In fact, the rest of the nation was becoming more like the South in rejecting them.

Though just 23, Rolf says, “I owned a suit and I could talk to politicians, so I got the job as a legislative assistant—really, our lobbyist.” Traveling to every one of Georgia’s 180 legislative districts and calling on the legislators with groups of members, Rolf got a bill enacted that gave members the right to designate dues payments to the union. But there, as Georgia moved steadily to the right, the union’s progress halted. The hoped-for executive order and the right to collective bargaining grew steadily more implausible.

Nonetheless, Rolf’s success impressed Andy Stern, then SEIU’s national organizing director, who offered him the job of restarting Los Angeles’s stalled-out home care worker campaign in 1995. Rolf jumped at the chance, and within four years, he succeeded in organizing 74,000 L.A. home care workers—almost entirely women of color—into a new SEIU local. To win the campaign, Rolf had to assemble a coalition of home care providers and clients to pressure the L.A. County Board of Supervisors to establish a public agency that would serve as the workers’ employer with whom they could negotiate. (Under California law, counties administer Medicaid-funded home health care.) Rolf also had to have SEIU wage, and win, a series of election campaigns on behalf of candidates who were allies and protégés of the supervisors. He had the union develop a registry to match up clients and providers. Once the supervisors had agreed to establish the agency, SEIU had to win the union-ratification votes of tens of thousands of workers who shared no common workplaces. It was the largest organizing campaign the national union had ever run. When the vote results were announced, Rolf had just turned 30.

Rolf’s success in Atlanta and his triumph in Los Angeles, while both relying on his ability to turn out members at crucial times, were primarily victories achieved in the political arena. After the home care worker campaign, Rolf’s political skills were so apparent that Antonio Villaraigosa offered Rolf the position of campaign manager for his upcoming mayoral campaign, and Stern (by then, SEIU president) told him he could be SEIU’s top person on Al Gore’s presidential campaign—both offers that Rolf rejected in favor of another offer from Stern to go to Seattle.

The L.A. victory set the template for the subsequent efforts by SEIU and AFSCME to organize home care workers—the only truly large-scale organizing campaigns by any unions to have succeeded in the new century. Among those successes were Rolf’s own efforts to organize such workers in Washington state. Within four years of his arrival, Rolf steered to passage a statewide initiative to create a public authority that could bargain with home care workers; he made SEIU instrumental in the election of friendly legislators; he had the union inspect and rehabilitate 723 ballots during the protracted recounts in the 2004 governor’s race. (Democrat Christine Gregoire ultimately won by 130 votes.) The local’s efforts produced a legislature and governor who not only backed the unionization of home care workers but also raised their pay in a succession of state budgets.

Since Rolf’s arrival in 2000, Local 775 has grown from 1,600 to 43,000 members, while the total number of SEIU members in Washington state has swelled from 28,000 to 106,000. Full-time home care providers and nursing home employees have seen their pay doubled to the state’s median. “If you’re me, life is good,” Rolf acknowledges. But he’s convinced he’s swimming against a historic tide.

 

Shortly after his grim epiphany on labor’s decline at the New Orleans meeting, Rolf says, “I began looking at the data state by state. In 1983, Louisiana had the same share of unionized workers as Seattle had in 2012. Tennessee had the same percentage that New York had that year. When I turned all this into a PowerPoint presentation, New York was the only state that still had more than 15 percent of its private-sector workers in unions. Then I had to change the presentation; New York fell beneath 15 percent.

 “The more I researched, the more I became convinced that the rest of the world had forgotten about us. We weren’t even worth killing any more. Our collective bargaining model had lost all visibility to the majority of American workers. For most union members, unions were just an inherited fait accompli—their workplace had been unionized decades before they got there.

 “Every condition and factor that underpinned unions’ power from the 1930s through the 1960s was gone: immobile capital, government assistance, the Cold War defense establishment, even organized crime, which propped up some unions so it could loot them. Not to mention losing two generations of workers by not organizing in the private sector after the 1940s. In the ’80s and ’90s, Andy’s [Stern’s] generation rediscovered organizing, but it was too little, too late.”

The very existence of the employer-employee relationship, Rolf points out, is under attack. “As we’re trying to turn contingent workers like home care workers into full-time standard permanent employees, far more full-time standard permanent employees are being compelled to become contingent.

“I had been convinced that SEIU’s model of growth [which his own work exemplified] was working. But I lost my faith in it. I hoped someone had found the silver bullet that would reinvent growth. I talked to people at worker centers, but worker centers turned out to be permanent wards of charity. I talked to academics. I couldn’t find it. I couldn’t even find a project devoted to finding it.”

Rolf studied how Silicon Valley incubated startups. With Stern, he paid a call on former Intel CEO Andy Grove, that rare Silicon Valley guru who’d written critically about American business’s abandonment of American workers. “Grove told us he didn’t know enough about the subject to offer specific advice,” Rolf says. “But he did say [to] think about outcomes and treat everything else—laws, strategies, structures—as secondary.

“That made me understand the death of collective bargaining isn’t something we should be sentimental about,” Rolf says. “We should understand what about collective bargaining worked, and try to recapture that. What really mattered was we created, first, the power to change workers’ lives economically; second, we created it on a scale that benefited millions, tens of millions, of workers; and third, we created a model of sustainability so our institutions could survive even in bad economies or when our political allies weren’t in power. Those are the three things that new institutions need to do.”

 

(AP Photo/Ted S. Warren)

Seattle Mayor Ed Murray, right, and Seattle City Council president Tim Burgess, second from right, cut a cake that says "#GoodWorkSeattle $15," Monday, June 2, 2014, at a rally outside Seattle City Hall after the Seattle City Council passed a $15 minimum wage measure. 

Rolf’s critics view these arguments as a dismissal of the valuable work that unions still perform. They see in them an arrogance—at once technocratic and prophetic—that some of them saw in Stern, who resigned as SEIU president in 2010 at least in part because, like Rolf, he believed the labor movement in its current form was both ineffectual and doomed. Rolf and Stern’s attraction to the culture of Silicon Valley, their belief that labor could profitably learn from the Valley’s experience with start-ups, and their penchant for business-school lingo have only further estranged their critics. (“Rolf says we need to become Labor 3.0,” moans one union official. “Christ.”)

Another union leader says he thinks Rolf’s diagnosis of labor’s ailments are brilliant, but that his prescriptions are “from Andy Land”—a reference to what he sees as Stern’s mistaken infatuation with the egalitarian potential of the digital economy. Rolf dismisses these concerns. “We don’t have to share the tech sector’s values to learn from its successes,” he says.

The same union leader also questions where Rolf and his new center are headed. “It’s not clear if Rolf wants to find new institutions that re-engage workers at the workplace, or new ways to mobilize them through politics or in partnership with employers,” he says.

“All the above,” Rolf replies. “I don’t have a singular theory of what will build worker power. I want to see how competing models fare—those where workers are opposed to their employers, those where they sometimes work with them, those where workers—like an increasing number of American workers—have no employer.”

A further difference between Rolf and his critics concerns union democracy. When Stern sent Rolf to Seattle, he made clear that one way Rolf could accelerate SEIU’s growth in Washington was to consolidate its 12 locals. Rolf did just that—reducing the number of locals to five, while nearly quadrupling its membership. Merging locals into mega-locals would make them better able to organize, play politics, and win contracts. And if such consolidations limited the scope of rank-and-file input and union democracy, well, Stern and Rolf saw union democracy as often impeding unions’ ability to re-allocate resources, from serving their existing members, to organizing new ones.

Like Rolf, Working America’s Nussbaum has her list of criteria for what a new generation of workers’ organizations needs to do: amass power for workers to improve their lives, be financially self-sustaining, and be subject to workers’ democratic control. Rolf’s list includes the first two points but not the third. “He doesn’t want to screw around with bottom-up democracy,” says Freiboth. “If a union is bottom up, it’s modeled to serve its existing members and can’t be strategic in focusing on growth. ‘Progressive’ unions are now often the least democratic. They’ll service their members, but they won’t let democratic initiatives get in the way of their strategic initiatives.”

The labor leader whom Rolf repeatedly cites as a model for casting off time-honored union practices and devising new ones is John L. Lewis. Lewis didn’t care a fig for union democracy, but he built the CIO.

 

(Harris & Ewing/courtesy of the Library of Congress)

John L. Lewis, founder of the CIO, circa 1938.

Seattle’s decision to raise its minimum wage has apparently inspired other cities governed by the center-left to raise their minimum wage levels as well, if not necessarily all the way to $15. Shortly after Seattle passed its ordinance, San Diego followed suit. San Francisco and Oakland have wage-hike referenda on their November ballots, and the mayors of Los Angeles, Chicago, and New York look to be converging on a $13-and-change minimum-wage standard for their cities.

If workers’ raises are to come from legislation rather than collective bargaining, however, is there a way they can use that legislation to build at least some organization? An embryonic version of Rolf’s new institutions? During Rolf’s meetings with a group of labor-community activists while the business–labor task force deliberated this year, that was a question he repeatedly raised. “David kept asking, ‘How can we leverage things like a minimum wage victory to support worker organizing?’” says Rich Stolz, who heads an immigrant advocacy group. “Even if it may not be the traditional collective bargaining model, can we create associate memberships that offer benefits to workers? What can we do?”

One possibility is to build an organization devoted to monitoring and enforcing the legislation that unions have won—as the National Domestic Workers Alliance has done by enlisting its members to make sure that domestic workers’ newly acquired rights aren’t violated, as Working America has done in Albuquerque to ensure that employers are actually paying the minimum wage. In Seattle, Murray recently unveiled an enforcement program in which the city will partner with a private nonprofit organization to inform workers of their rights. “David keeps saying, ‘If it’s 1 A.M. at Taco Bell and a worker is asked to work off the clock, City Hall won’t be there—it’ll be up to the worker,’” says Sejal Parikh, who heads Working Washington, the Seattle fast-food workers organization.

“Enforcing labor standards in the sectors most prone to victimization requires a bottom-up approach,” says Rolf, who favors an even more ambitious nonprofit operation, employing numerous low-wage workers, than the one the mayor has proposed. “People have to know how to assert their rights on the job. To get there, we need workers going door-to-door and meeting in church basements.”

Labor historian Nelson Lichtenstein notes that a number of such organizations have arisen at various times to enforce laws and ordinances. During World War II, thousands of CIO members and their spouses served as the de facto enforcers of the wartime price controls in countless stores across the nation. The limitation on such organizations is that they’re not self-sustaining, and that the activists don’t win paychecks or receive benefits remotely comparable to those that workers get through union contracts. Murray’s proposed nonprofit may have some workers on staff, but that won’t make it a workers’ organization.

How could such a group become a workers’ organization, dependent not on government but its own members for its survival? It may require the labors of Rolf’s Future of Work Action Center to figure that out.

 

Rolf is not the only premier union operative who believes unions in their current form are on the way out. Just as Rolf is the most successful union organizer of the past 15 years, the most successful organizer of the preceding 15 was Stephen Lerner, architect of SEIU’s Justice for Janitors campaign that unionized tens of thousands of the low-wage workers who cleaned the office buildings in the downtowns of multiple Northeastern, Midwestern, and West Coast cities.

Like Rolf, albeit with some difference, Lerner believes that the primary purpose of today’s unions should be “not to rebuild unions per se but to rebuild collective bargaining in a self-sustaining way.” Despite his success guiding Justice for Janitors—the single most notable organizing campaign of the 1990s—Lerner’s unconventional methods and ideas were not always welcome at SEIU, and in 2012, he left the union. Today, he is the chief strategist of three distinct but overlapping campaigns waged by local labor and community groups, all of which target the financial sector. The first organizes students to demand lower interest rates on college debt as well as lower tuition rates. The second organizes homeowners whose homes are underwater, calling for cities to take over bank-owned properties through eminent domain. The third rallies public employee unions and community organizations to pressure cities to demand renegotiation of their debts to Wall Street. Lerner doesn’t have Rolf’s focus on developing new institutions that can exercise power for workers. Rather, he concentrates more on actions that could give bargaining power to a far wider range of constituencies. 

As befits their respective personalities, Rolf’s is a more methodical approach; Lerner’s is more loose and dynamic. But when labor’s two pre-eminent organizers of the past three decades agree that the collective bargaining regime established in 1935, in which the American labor movement has functioned for the past 80 years, is dead and not coming back, attention, as Willy Loman’s wife says, must be paid.

Rolf’s favored metaphor for the role that he believes today’s unions should play is that of a “nurse log”—a term used by forest ecologists. A nurse log is a fallen tree that, as it decays, provides nourishment and protection to seedlings, some of which will grow to become new trees. “That’s our choice,” he says. “We can preserve the dying model, or we can use the resources of our model to give birth to what replaces it.” Reported by The American Prospect 1 hour ago.

How Much Does Pet Insurance Cost?

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PetInsuranceQuotes.com shares results from the Second Annual Pet Insurance Cost Analysis based on pricing data from over 50,000 dogs and cats.

Columbus, Ohio (PRWEB) October 22, 2014

How much does pet insurance really cost?

Petinsurancequotes.com, the leading pet insurance comparison website, just released data from more than 50,000 pets who received quotes through the company’s system. The data shows that pet insurance prices have increased over the past 12 months, most likely in an effort to keep up with veterinary inflation.

The average premium for full dog coverage increased 10% over the past 12 months.

2013: $29.42/mo.
2014: $32.47/mo.

While the average premium for full cat coverage increased 17%.

2013: $18.56/mo.
2014: $21.74/mo.

“Pet insurance rates have gone up because insurers are trying to keep up with increasing veterinary costs,” said Nick Braun, founder of Petinsurancequotes.com. “As with any insurance policy, rates increase when the cost of claims increase.”

According to the Bureau of Labor Statistics the cost of Veterinary Services have increased nearly 25% over the past five years. Over that same period the Consumer Price Index has increased only 11%.

There are several factors contributing to the increase in veterinary care, most notably the improvement in treatments. Many veterinary clinics now have x-ray machines and specialty clinics offer full orthopedic and oncology care. Some veterinary hospitals are even equipped with the same MRI technology available to people.

“There’s never been a better time in history to be a dog or cat,” joked Braun. “And for those people who consider their pet’s family, the availability of life changing and life-saving care is better than ever.”

It’s well documented, however, that improvements in veterinary care have come with a cost. Surgical treatments for ailments such as cancer, hip dysplasia and torn ligaments can cost $5,000 to $20,000. And these increasing costs for treatment is the primary reason pet insurance is becoming more and more popular in the U.S.

“Last year we generated about 150 quotes per day. This year we’re generating over 1,000 quotes per day. Clearly the interest in pet insurance has outweighed any price increases.”

There are currently 12 pet insurance companies offering policies in the U.S. To learn more about pet health insurance visit Petinsurancequotes.com. Reported by PRWeb 21 hours ago.

Nudge Coach Provides Health Professionals With The First Ever Tool That Analyzes Wearables Data

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Nudge a leading health and fitness app, today launched Nudge Coach, the industry’s first HIPAA-compliant tool that enables health professionals to analyze a customers data from their health and sports wearables. Nudge Coach will be responsible for taking the wearable space to the next level by ensuring that wearables data is utilized more effectively, allowing for health professionals to provide tailored feedback to users.

Los Angeles, CA (PRWEB) October 22, 2014

Nudge a leading health and fitness app, today launched Nudge Coach, the industry’s first HIPAA-compliant tool that enables health professionals to analyze a customers data from their health and sports wearables. Nudge Coach will be responsible for taking the wearable space to the next level by ensuring that wearables data is utilized more effectively, allowing for health professionals to provide tailored feedback to users.

The web-based platform is able to interpret the data such as their hydration, fitness, diet and sleep patterns and combine it into one score, ‘the Nudge Factor’, giving health professionals a detailed snapshot of a users overall health. Health professionals will now be able to quickly review the health data of a larger group of people in a shorter pace of time and step in to provide advice and support where there are areas of concern. Nudge Coach also contains a private-messaging tool that enables the health professional to communicate with users immediately to offer feedback in real-time.

“Nudge Coach is setting the precedent for how we should be utilizing our wearables data. We know that over a third of smartphone users are using mhealth apps and that number is suppose to exceed 50% by 2017,” said Nudge co-founders Mac Gambill and Phil Beene. “By enabling that user information to be professionally analyzed it allows for a more useful and meaningful interaction with that very same data, which is infinitely more useful to the consumer.”

Not only is Nudge Coach fully HIPAA-compliant, but by enabling healthcare professionals to guide consumers to better health, it also has the potential to help users reduce their health insurance costs.

“ As a health care professional myself, the value that Nudge Coach brings to my patients is incalculable, says Dr. Steve Feyrer-Melk, “it will take what has been a basic set of data and turn it into a relevant and meaningful insight both for health professionals like myself and for its users.”

For more information on Nudge Coach, visit https://www.nudgecoach.com/.

About Nudge
Nudge is a health, wellness and lifestyle company set to transform the healthcare industry by offering insight into individuals’ lifestyle choices. By tracking dietary intake, level of hydration, minutes of fitness and hours of sleep as well as synching with the leading apps and wearables, Nudge is the principal curator of the best health and fitness apps on the market. Nudge uses a carefully calculated, evidence-proven algorithm to present users with a Nudge Factor, an indexed number representing the overall level of health of the user, which can be used for comparison with other Nudge users and friends on social media, regardless of apps and trackers used. The Nudge Factor can also be used to see where users can improve upon daily life choices, motivating them to pursue an elevated, overall wellbeing. Launched in May 2014, Nudge is a Tennessee-based company co-founded by Mac Gambill, Phil Beene and Chris Garson. Reported by PRWeb 20 hours ago.

Many Americans Fail to Ask Basic Questions Before Signing Up for Health Insurance, National Survey Finds

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With the Affordable Care Act (ACA) open enrollment period starting in November, a national survey by the American Institutes for Research (AIR) finds that three out of four Americans are confident they know how to use health insurance, but 42 percent say they are not likely or only somewhat likely to review a plan’s details before signing up for coverage.

Washington, D.C. (PRWEB) October 22, 2014

With the Affordable Care Act (ACA) open enrollment period starting in November, a national survey by the American Institutes for Research (AIR) finds that three out of four Americans are confident they know how to use health insurance, but 42 percent say they are not likely or only somewhat likely to review a plan’s details before signing up for coverage.

The AIR survey found wide gaps in Americans’ health insurance literacy, with only 20 percent able to calculate correctly how much they owe for a routine doctor’s visit.

“Because many people believe they know more than they actually do about health insurance, they may not fully understand their options before committing to a particular health plan, or they may face the shock of high out-of-pocket expenses they didn’t expect,” said Kathryn A. Paez, Ph.D., R.N., an AIR principal researcher, and coauthor of the study with Coretta J. Mallery, Ph.D., an AIR senior research scientist.

The nationally representative survey of 828 people aged 22-64 examined four key dimensions of health insurance literacy: knowledge of terms and concepts, including types of services and enrollee rights; information-seeking skills, such as evaluating the credibility of sources and the ability to ask questions; document literacy, including the ability to complete forms and understand benefit descriptions; and reasoning skills, which range from calculating out-of-pocket costs to assessing personal health risk and the need for preventative care.

Findings include:·     Consumers had a weak grasp of different plan types. About half could identify general characteristics of a health maintenance organization (HMO) and 23 percent could identify the characteristics of a preferred provider organization (PPO).

·     On average, participants correctly answered 60 percent of knowledge and skills items in the survey. While most could identify common insurance terms, such as “appeal” (80 percent) and “premium” (81 percent), far fewer could identify more complicated concepts, such as “step therapy” (37 percent) or “medically necessary” (60 percent).

·     Three out of four of those surveyed said they were moderately or very confident that they have the knowledge needed to use health insurance effectively. However, only about one in five could accurately calculate how much they would pay for a visit to an in-network doctor when presented with a scenario that included a copayment, deductible and coinsurance, which makes the policyholder responsible for a portion of the expenses.

·     When comparing insurance plans, 42 percent were not at all or only somewhat likely to check what a plan will and will not cover before getting health services.

·     Seventy-nine percent were moderately or very likely to check which hospitals and physicians various plans cover while 21 percent said they were only somewhat or not at all likely to consider this when selecting coverage.

·     Generally, younger people were less health insurance literate. For example, on average those aged 22 to 34 correctly answered 55 percent of the knowledge and skills items on the survey, compared with 63 percent of 55- to 64-year olds.

·     Individuals who had not seen a physician in the past year on average got 49 percent of the knowledge and skills items correct, while those who saw a doctor several times a year scored 64 percent.

“Younger people, those who use health care less frequently, minorities, people with lower incomes and those with less education have less knowledge about health insurance because all of these groups are more likely to be uninsured,” said Paez. “And, they are the people most likely to use the health insurance marketplaces.”

Under the ACA, millions of Americans gained health coverage—many for the first time—through Medicaid or by purchasing private coverage in the federal or state health insurance marketplaces. During annual open enrollment—for 2015 coverage, Nov. 15, 2014 through Feb. 15, 2015—people can sign up for coverage or change their health plan for the coming year.

The AIR Issue Brief—A Little Knowledge Is a Risky Thing: Wide Gap in What People Think They Know About Health Insurance and What They Actually Know— is available online at http://www.air.org. It includes a checklist for choosing a health insurance plan.

About AIR

Established in 1946, with headquarters in Washington, D.C., the American Institutes for Research (AIR) is a nonpartisan, not-for-profit organization that conducts behavioral and social science research and delivers technical assistance both domestically and internationally in the areas of health, education and workforce productivity. For more information, visit http://www.air.org. Reported by PRWeb 20 hours ago.

hipaapoliciesandprocedures.com Announces Release of its Annual HIPAA Compliance Policies and Procedures Packets & Toolkits for Instant Download

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HIPAA compliance policies and procedures are available for instant download today from hipaapoliciesandprocedures.com, North America’s leading provider of high-quality, industry leading healthcare & regulatory compliance materials.

Los Angeles, CA (PRWEB) October 22, 2014

HIPAA compliance policies and procedures are available for instant download today from hipaapoliciesandprocedures.com, North America’s leading provider of high-quality, industry leading healthcare & regulatory compliance materials. Both Covered Entities (CE) and Business Associates (BA) are being mandated by the growing healthcare regulations to have in place a large number of information security and operational specific policies and procedures, so now’s the time to download the HIPAA compliance policies and procedures today from hipaapoliciesandprocedures.com.

The toolkits, which are available for instant download, include the following professionally developed materials:·     HIPAA Information Security Policies and Procedures Manual
·     HIPAA Information Systems Hardening Checklists
·     HIPAA Disaster Recovery Plan
·     HIPAA Handbook & Reference Manual
·     HIPAA Security Awareness Training PowerPoint (PPT) Presentation
·     HIPAA Security Awareness Training Manual & Employee Quiz
·     HIPAA Security Rule & Privacy Rule Checklist & Readiness Assessment
·     HIPAA Risk Assessment Template
·     Essential HIPAA Forms
·     Additional HIPAA Policies and Procedures
·     And much more!

The HIPAA compliance policies and procedures packets & toolkits – which are available for instant download from hipaapoliciesandprocedures.com – is essential documentation needed for ensuring compliance with the Health Insurance Portability and Accountability Act. Reported by PRWeb 20 hours ago.

Americans with Questions Resulting from Health Reform Turn to TaxSlayer and VelaPoint Insurance for Answers

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A new partnership between TaxSlayer and VelaPoint promises to serve customers with tax and insurance needs in a whole new way.

Evans, GA (PRWEB) October 22, 2014

TaxSlayer, LLC has announced a new partnership with insurance brokerage, VelaPoint Insurance. This relationship, conceived in order to address the brand new set of issues facing Americans during the first tax season since health reform laws have gone into effect, will provide TaxSlayer’s current and future customers with insurance coverage questions with a resource they can trust.

Individuals and families attempting to file for the 2014 tax season will be confronted with questions about their insurance coverage they may not be able to answer on their own. This will be particularly true for low- and middle-income individuals, who are most affected by the reforms brought about by the Patient Protection and Affordable Care Act (ACA). Issues regarding Minimum Essential Health Coverage, tax penalties, premium subsidies and more will inevitably arise.

Because health insurance has become a tax issue, TaxSlayer has taken the proactive step of partnering with a resource that can help answer any insurance questions that arise during return preparations. For over 40 years, TaxSlayer has provided its customers with advice they can trust at a great value, and by joining with VelaPoint Insurance, this service can continue seamlessly in a post-reform world. The knowledgeable tax professionals at TaxSlayer, paired with the licensed insurance experts at VelaPoint, will have all the answers Americans are looking for.

“By examining trends in the industry, we’ve predicted that the 2015 tax season will present new, potentially confusing issues for millions of Americans,” said Jimmy Rhodes, president of TaxSlayer. “Continuing our commitment to both saving our customers money and providing the answers they need is our number one goal. To meet this demand, we wanted to partner with a resource that is committed to the same goal when it comes to helping consumers find the right health insurance coverage and navigating health reform.”

Uniquely positioned to offer best-price guidance, estimate any subsidies clients may be eligible for to assist in paying premiums and help navigating the federal and individual state marketplaces, VelaPoint’s licensed insurance brokers will be on hand to provide expert advice to TaxSlayer’s clients who have insurance-specific questions during the preparation of tax returns.

“We’re very excited to be working with TaxSlayer,” said Aaron Goddard, president of VelaPoint Insurance. “We know that the two biggest challenges most Americans will be facing due to health reform are how to find the right coverage that meets the complex requirements of the ACA and feeling confident that their taxes are being filed correctly under the new guidelines.”

While obtaining the same level of service that customers have come to expect from TaxSlayer during this challenging tax season, customers can also turn to VelaPoint Insurance with confidence. The knowledgeable and trusted brokers at VelaPoint are an invaluable resource for millions of Americans. By working together, TaxSlayer and VelaPoint have created one of the most vigorous tools available to Americans seeking insurance and tax guidance.

About TaxSlayer.com
TaxSlayer.com is an established firm with a solid reputation and over 40 years in the tax preparation business. TaxSlayer has the full expertise of a professional tax service behind it. TaxSlayer.com is an online tax preparation and e-file service providing free services to the active Military Duty Personnel. TaxSlayer's focus is on supporting young adult tax filers by offering affordable and reliable tax services in a digital environment. TaxSlayer is proud to assist you in preparing and e-filing your taxes.

About VelaPoint Insurance, LLC
VelaPoint Insurance, located in Beaverton, OR, is one of the nation’s premier insurance brokerages. Wholly owned by National General Insurance Company, VelaPoint is redefining the way Americans elect their insurance coverage. Through its relationships with the top insurance carriers, VelaPoint has served over 1.5 million customers since the company’s founding in 2006. For more information, please visit ww.velapoint.com and follow @velapoint1. Reported by PRWeb 20 hours ago.

Social Security Benefits to Rise Less Than 3% for 3rd Year

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Social Security Benefits to Rise Less Than 3% for 3rd Year Filed under: Cost of Living, Inflation, Retirement Living, Social Security, Financial Education

*Alamy*

By STEPHEN OHLEMACHER

WASHINGTON -- Millions of older Americans who rely on federal benefits will get a 1.7 percent increase in their monthly payments next year, the government announced Wednesday.

It's the third year in a row the increase will be less than 2 percent.

The annual cost-of-living adjustment, or COLA, affects payments to more than 70 million Social Security recipients, disabled veterans and federal retirees. That's more than a fifth of the country.

The increase amounts to about $20 a month for the typical Social Security recipient.

"The COLA helps beneficiaries of all ages maintain their standard of living, keeping many from falling into poverty by providing partial protection against inflation," said Jo Ann Jenkins, who heads AARP.

The government announced the benefit increase Wednesday, when it released the latest measure of consumer prices. By law, the increase is based on inflation, which is well below historical averages so far this year.Congress enacted automatic increases for Social Security beneficiaries in 1975, when inflation was high and there was a lot of pressure to regularly raise benefits.

For the first 35 years, the COLA was less than 2 percent only three times. Next year, the COLA will be less than 2 percent for the fifth time in six years. This year's increase was 1.5 percent, the year before it was 1.7 percent.

Social Security is financed by a 12.4 percent payroll tax on the first $117,000 of a worker's wages -- half is paid by the worker and half is paid by the employer. Next year, the wage cap will increase to $118,500, the Social Security Administration said.

About 59 million retirees, disabled workers, spouses and children get Social Security benefits. The average monthly payment is $1,192.

The COLA also affects benefits for about 4 million disabled veterans, 2.5 million federal retirees and their survivors, and more than 8 million people who get Supplemental Security Income, the disability program for the poor.

By law, the cost-of-living adjustment is based on the Consumer Price Index for Urban Wage Earners and Clerical Workers, or CPI-W, a broad measure of consumer prices generated by the Bureau of Labor Statistics. It measures price changes for food, housing, clothing, transportation, energy, medical care, recreation and education.

The COLA is calculated by comparing consumer prices in July, August and September each year with prices in the same three months from the previous year. If prices go up over the course of the year, benefits go up, starting with payments delivered in January.

"In the last several years we have had extremely low inflation," said economist Polina Vlasenko, a research fellow at the American Institute for Economic Research. "Basically because inflation is low, the cost-of-living adjustment is going to be low, too. It's supposed to just compensate you for inflation."

Advocates for seniors say the government's measure of inflation doesn't accurately reflect price increases faced by older Americans because they tend to spend more of their income on health care. The rise in medical costs has slowed in recent years, but people hit with serious illnesses can still see their individual costs soar.

People on Medicare, the government health insurance program for older Americans, usually have their Part B premiums deducted from Social Security payments. The premiums, which cover outpatient care, are scheduled to stay the same next year -- $104.90 a month.

However, federal retirees face a 3.8 percent increase in their health insurance premiums next year, said Joseph A. Beaudoin, president of the National Active and Retired Federal Employees Association.

"News of the cost-of-living adjustment for the coming year always is eagerly awaited by the countless Americans who rely on the increase to keep up with the rising price of food, housing, transportation and medical care," Beaudoin said in a statement. "However, despite the partial relief this COLA will provide, the announcement is a reminder that our method for calculating the increasing cost of goods and services is out of sync with the reality faced by millions of federal [retirees], Social Security recipients and military retirees."

-Associated Press Writer Martin Crutsinger contributed to this story.
 

Permalink | Email this | Linking Blogs | Comments Reported by DailyFinance 18 hours ago.

Medica Research Institute to Study Pent-Up Demand in Health Care

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Medica Research Institute to Study Pent-Up Demand in Health Care MINNEAPOLIS--(BUSINESS WIRE)--Medica Research Institute study will examine the health care utilization and characteristics of newly enrolled members in Medicaid and MNsure, Minnesota’s health insurance exchange. Reported by Business Wire 16 hours ago.

A Government Bureau is the Nearest Thing to Eternal Life We Will Ever See on This Earth

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A Government Bureau is the Nearest Thing to Eternal Life We Will Ever See on This Earth Next Monday, October 27 marks the 50th anniversary of Ronald Reagan’s iconic “Time For Choosing” speech. It was a speech that sparked the modern Conservative Movement, ignited a fire in the hearts of conservatives, and launched Ronald Reagan’s public policy career.

This week, as part of a yearlong “Time for Choosing: The Next Generation” initiative, Young America’s Foundation is releasing a series of videos in conjunction with the anniversary of this significant speech. The third video focuses on limited government.

It is no secret that government today is far overreaching and intrusive. This past year alone we have seen privacy breaches by the NSA, the targeting of conservative groups by the IRS, and the disastrous consequences of Obamacare on small businesses and families.

Obama has even said, “I can take steps without legislation.” This self-righteous statement underscores that he has no respect for the Constitution—a document meant to protect the rights of all Americans and prevent our government and our leaders from trampling on those rights. Unfortunately, today we have a President and federal officials who are no longer accountable to the American people because they consider themselves to be above the law.

Consider Obamacare, federal legislation mandating that all people purchase health insurance or be penalized with a fine. In addition to being forced upon the American people, Obamacare is a job killer, it has negatively impacted the American economy, and it is crushing our small businesses—the backbone of America. And, after three years of preparation, the federal government couldn’t even get its own Obamacare website to work properly. Nonetheless, Obama demands that all Americans allow the government—which cannot even create a functioning website—to control the most personal aspects of their lives, their health.

Recent polling shows that approval of Congress is at an all-time low, and more than half of the American people are distrusting of the government. This is what can be expected when the government grows too big and encroaches upon the rights of the people.

A half century ago, Ronald Reagan told the American people, “No government ever voluntarily reduces itself in size. A government bureau is the nearest thing to eternal life we will ever see on this earth.” Unfortunately, that statement is even more true today. We are facing the consequences of an expanding government and it is up to us—the American people—to hold our leaders accountable, should we wish to advance freedom for generations to come.

Ashley Pratte is the spokeswoman for Young America’s Foundation Reported by Breitbart 14 hours ago.
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