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7 reasons I am now terrified of computers, courtesy of Symantec

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7 reasons I am now terrified of computers, courtesy of Symantec It is not looking good for good old fashioned human beings out in the wide world of security, if the Internet Security Threat Report from Symantec, covering the last year in cybersecurity, is to be believed. 

In 2014, retailers like Target and Home Depot, insurance companies like Anthem, and plenty more places besides were the victim of massive data breaches that saw credit card numbers and personal records stolen and sold on the web's black markets. 

The report indicates things aren't going to get better. In 2014, it took hackers only four hours to go from finding out about the Heartbleed vulnerability to exploiting it for data theft at websites all over the web.

A million new pieces of malware — harmful software like viruses, password loggers, and other stuff you don't want — are released into the wild every day. Plus, hackers have gotten sophisticated at pretending to be, say, a local police station or a coworker in order to get a password or network access out of a mark.

Meanwhile, the companies that have to defend themselves from ever-more-resourceful hackers take hours, days, and weeks to patch up the holes in their systems. That's not changing. 

"Clearly, we're not taking care of business," says Symantec Security Response Director Kevin Haley on the technology industry's continual failure to protect against breaches. 

It's looking bad. Real bad. 

Symantec convened a panel of cybersecurity experts to discuss the report's findings. In no particular order, here are the reasons I am terrified, thanks to Symantec:

· *Your personal data can get hacked as part of a massive effort* — data thieves don't have to be aiming for you; you just have to be in the system. "They're not hacking you, they're hacking everybody," says author and ex-cop Marc Goodman.
· *It's not that hard for would-be hackers to get started.* There are online hangouts for interested people to learn how to break into computer networks, and the risks of getting caught are basically nil. "It's a confidence game, and confidence is high," says RAND Corporation researcher Lillian Ablon. 
· *Often, it's not even people who are conducting the actual attack.* Automated systems can scan scores of networks and break in if they detect a weakness, funneling the spoils to the person who started the bot. "Human beings are increasingly being taken out of the loop," says Goodman.
· *The Internet of Things, the inelegant name for smart devices like light bulbs, thermostats, appliances, and whatever else, is super insecure. *The panel swapped horror stories on how government agency networks have been brought to their knees by an unsecured networked thermostat, although when we pressed for details we were told they couldn't share them because of an ongoing investigation. "It's all hackable," says Goodman. 
· *Credit card numbers aren't the worst thing a hacker can steal.* After all, you can cancel a credit card, but if a hacker gets your health records, they can file claims against your health insurance company to the tune of tens of thousands of dollars. "It's people who are suffering and paying out of pocket to get that cleared up," says Goodman.
· *Ransom is the surest way for hackers to make money.* Right now, if they get onto a corporate network, they often encrypt every file the victim has, only giving access back if they pay up. Thanks to the coming Internet of Things, they could hold everything from connected cars to home appliances to fridges hostage. 
· *That also means that hackers have the potential to do things like threaten to turn off pacemakers or alter your medical records* so, for example, the surgeon cuts into the wrong leg. "There's this other huge risk which is the integrity of our data, the manipulation of this data," says Symantec's Robert J. Shaker II, Sr.

All of this adds up to a long list of reasons why I think we'd be better off living in a cabin in the woods and keeping all of our money in our mattresses.

Alternatively, you might remember that Symantec is in the business of selling solutions to these many problems.

So take a deep breath, remember to follow some best practices like changing your passwords periodically, don't open attachments from strangers or download software from sketchy places, and keep your fingers crossed that the many companies storing your personal data on their servers are staying a step ahead of the hackers.

*SEE ALSO: How a man who worked for the Lottery Association may have hacked the system for a winning ticket*

Join the conversation about this story »

NOW WATCH: Security Experts Are Racing To Destroy A Virus Called 'Shellshock' That's Targeting Apple Computers Reported by Business Insider 8 hours ago.

Nearly 9 in 10 U.S. adults have health insurance, survey finds

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Reported by DallasNews 8 hours ago.

Exclusive: Union might postpone vote seeking to organize Boeing's South Carolina plant

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Exclusive: Union might postpone vote seeking to organize Boeing's South Carolina plant By Alwyn Scott

NORTH CHARLESTON, South Carolina (Reuters) - Labor union officials say they could postpone a vote seeking to organize 3,000 workers at Boeing Co's factory here in South Carolina if their campaign fails to gain enough traction against fierce opposition from the company and local politicians.

    Organizers for the International Association of Machinists (IAM) are going door-to-door this week to gauge backing for the April 22 vote, and to make their case that union representation in the North Charleston plant would mean better pay and less taxing work schedules.

    By withdrawing the petition for a vote, the union could under labor regulations reschedule the ballot after six months, but if it went through with the vote and lost it couldn't hold another one for at least 12 months, said IAM spokesman Frank Larkin.

The union said it could make the decision about whether to postpone anytime before the vote. 

    "It wouldn't be surrender," said IAM organizer Mike Evans, who is currently based in North Charleston. "The campaign would continue."

The possibility of a postponement highlights the difficulty the union faces in getting support from the 3,000 North Charleston production and maintenance workers it is trying to organize. 

    The IAM enjoys strong support at Boeing's massive facilities near Seattle in Washington state, which are unionized, and has called two strikes in the last decade. But the union is finding it hard to get its message across in South Carolina, a state with the second-lowest union membership in the country.

    Boeing is firing back with ads on television, radio and in newspapers warning that the IAM could cost workers high-paying jobs and benefits. In an Internet-era twist, Boeing has also placed anti-union messages on the Pandora internet music service.

    Blue shirts with “No Union” printed on the back are common around the North Charleston factory, where Boeing's 787 Dreamliner is built. Pro-union workers are less open, though the IAM is supplying workers with black pro-union shirts, hats, buttons and fliers. "Workplace showings of support are difficult to quantify because some may be reluctant to show support in the workplace," said the IAM's Larkin.

    Boeing’s anti-union messages have been amplified by local business leaders and politicians, including South Carolina Republican Governor Nikki Haley.

    That has resonated with some workers. "With the union, we don't know if we'll have health insurance," said one Boeing assembly worker who was among a group of workers wearing the anti-union shirts at a restaurant near the plant. He spoke on condition of anonymity. 

    Union members are just 2.2 percent of the workforce in South Carolina, only just behind North Carolina with 1.9 percent. By contrast, Washington state is 16.8 percent unionized.

    South Carolina also is a right-to-work state, meaning employees can't be forced to join a union or pay union dues even when covered by a union-negotiated contract.

   

    BOEING HOLDS MEETINGS

    The battle over organizing the plant marks a potential turning point in the long power struggle between the aircraft giant’s management and its largest union. 

    For the IAM, which represents about 35,000 Boeing employees, a win would blunt Boeing's drive to cut union ranks, bolster the IAM's roster of 337,000 dues-paying members, and score a high-profile southern victory after the United Auto Workers lost an organizing election at a Volkswagen factory in Tennessee last year.

    Boeing, under Chief Executive Jim McNerney, has invested $750 million to put the Dreamliner factory in North Charleston after a costly machinists strike in Washington state in 2008. It plans to spend another $1 billion to expand engine casing and aircraft interior production on the same North Charleston campus. 

    Boeing now employs 8,200 people here, contributes $11 billion annually to the state’s economy, while its campus and the related cluster of aerospace businesses are still early in their development, said Bryan Derreberry, president the Charleston Metro Chamber of Commerce.    

    If the union wins, he says, "Boeing would have to step back and re-evaluate its strategy."

    Last week, 125 IAM representatives from around the country kicked off the home-visit campaign here, telling workers and families about the wages and benefits members receive and the backing IAM has from other unions in South Carolina.

    Boeing declined requests for interviews and factory visits, but responded to written questions from Reuters.

Workers say they are being called into company meetings where they hear about the risks of unionizing. Boeing denies allegations from some workers that questions at these meetings appear scripted. 

    "Instead of cold calling teammates at home or knocking on their doors, we've chosen to have an open dialogue in the workplace," Boeing spokeswoman Candy Eslinger said in an email.           

    MANDATORY OVERTIME        

    At the center of the campaign are basic workplace issues: wages and hours. The IAM alleges that Boeing pays South Carolina workers less than IAM members in Washington state for the same work, and that mandatory overtime can mean hardship for workers who may have to work more than a five-day week for extended periods.

    Boeing said South Carolina production and maintenance workers earn $20.59 an hour on average, and received raises totaling 16.6 percent since 2013. Another 1.9 percent increase is due in September. That's a much faster ramp up in pay than received by workers in Everett, where the wage scale ranges between $11 and $44.50 an hour.

    Boeing also said it has sharply reduced mandatory weekend overtime as production rates stabilized.

     "We'll keep looking for ways to improve the work and life balance," Boeing said, adding that IAM-represented workers on 787 production lines in Washington "are working similar overtime hours.” 

    So far, Boeing shareholders appear unconcerned. Wage costs in making a plane are relatively small compared with materials and energy, said Oliver Pursche, president at New York-based Gary Goldberg Financial Services, which owns Boeing shares. 

    Boeing's stock traded at $153.24 on Monday, little changed from its level when the vote was set last month. 

(Reporting by Alwyn Scott; Editing By Joe White and Martin Howell)

Join the conversation about this story » Reported by Business Insider 6 hours ago.

Aegify and PolicyMedical Announce New Partnership to Deliver Critical HIPAA Compliance and Policy Management Solutions to the healthcare community

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Aegify , leading provider of Healthcare Security, Risk and Compliance Assurance solution announces a new Partnership with PolicyMedical, a leading provider of policy, procedure and guideline management solutions.

Cupertino, CA (PRWEB) April 14, 2015

Aegify Inc. (http://www.aegify.com) a world-leading provider of Cloud-based software-as-a-service (SaaS) solutions for business security monitoring, risk and compliance management, announced today a new initiative and partnership to provide HIPAA Policy, procedure and guideline management to its partners and customers. Aegify has been deployed from small businesses to large enterprises and has won multiple awards for technology and business innovations.

PolicyMedical, delivers policy procedure and guideline management solutions for the healthcare industry. With increasing regulatory requirements and increased pressure to prevent security attacks, healthcare providers are understandably challenged to establish optimal frameworks to address these growing demands. The final Omnibus Health Insurance Portability and Accountability Act (HIPAA) rule includes new provisions that, if breached, could result in significant fines and penalties for healthcare providers and their business associates. Putting the best frameworks in place to address these demands are becoming strategic imperatives of all healthcare organizations.

"Healthcare provider’s need a comprehensive solution to address their compliance requirements at a reasonable cost" said Saud Juman, CEO of PolicyMedical. "Policy management plays a key role in setting your compliance framework. Healthcare providers are challenged to avoid potentially devastating breaches because the solutions available today are focused on their respective areas only. There are natural synergies between the solutions we provide and those brought by Aegify”

The partnership will allow Aegify to further extend its Security, Risk and Compliance assurance solutions by offering policy procedure and guideline management. The solution will also provide a comprehensive utility to easily manage all the Business Associate Agreements for Covered entities. Future plans include the incorporation of Aegify’s extensive database of HIPPA policies and integration to the PolicyMedical Contract Manager solution.

“More and more pressure is being applied to healthcare organizations to meet and maintain HIPAA and Meaningful Use requirements and to protect healthcare data. By combining Aegify’s world leading, HIPAA Security, Compliance and Risk Assurance solution with Policymedical’s policy, procedure management solution, we are able to provide our partners and customers a comprehensive HIPAA solution with policy management capabilities. Policy plays a big role in how an organization addresses these issues and we are excited to partner with PolicyMedical’s common stakeholders to assist in executing and implementing these processes” said Anupam Sahai, President and Co-Founder of Aegify.

The companies plan to introduce the offerings at the upcoming HCCA 2015 National Conference, April 19-22, in Orlando, CA.

About PolicyMedical
PolicyMedical, based in Richmond Hill, Ontario, produces document management solutions for healthcare providers. PolicyMedical takes an active role in shaping the field of governance, risk management, and compliance, through its advanced solutions in document management.

Its flagship software, PolicyManager™, offers a policy management solution for healthcare. It has been supporting the policy & procedure management, risk & compliance, and accreditation efforts of healthcare providers for over a decade. Currently, over 1500 healthcare facilities are using PolicyMedical’s web-based solution to handle their policy management.

About Aegify Inc:
Aegify Inc. (http://www.aegify.com) is a world-leading provider of Cloud-based software-as-a-service (SaaS) solutions for business security monitoring, risk and compliance management. The company's flagship product Aegify is the world’s-first, software only solution that disrupts the way businesses deal with security, compliance and risk management using an easy-to-use, cost-effective, subscription-based, cloud-SaaS solution. Headquartered in Santa Clara, Calif., Aegify has offices in the United States, Asia-Pacific, Middle East, and India. The company has received numerous industry awards, including the five-star highest rating based on features, performance, documentation, support, and overall rating from SC Magazine.

Media Contacts
Alex Jamieson
Director of Media and Marketing
policymedical.com | 647-494-9045

Anupam Sahai, Co-Founder and President, Aegify Inc.
Anupam.Sahai@Aegify.com
1-408-219-1004 Reported by PRWeb 6 hours ago.

Zane Benefits Releases New eBook, “The Small Business Owner's Guide to Modified Adjusted Gross Income”

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Zane Benefits releases new eBook, “The Small Business Owner’s Guide to Modified Adjusted Gross Income (MAGI)”. The eBook offers a step-by-step guide to understanding and calculating MAGI.

Salt Lake City, Utah (PRWEB) April 14, 2015

Zane Benefits, the leader in individual health insurance reimbursement for small businesses, released a new eBook entitled, “The Small Business Owner’s Guide to Modified Adjusted Gross Income”. According to Zane Benefits, many small business owners are familiar with the term Modified Adjusted Gross Income (MAGI), yet few understand what it is, how to calculate it, and how it affects their small business.

Because the concept of MAGI can be difficult to understand, Zane Benefits outlines in depth in the eBook that MAGI is a representation of your income, as a way to determine eligibility for various federal tax credits (including health insurance premium tax credits and retirement plans).This comprehensive guide illustrates in detail how small business owners can understand and calculate MAGI.

In addition, if you’re one of the thousands of small business owners unable to afford traditional group health insurance, you might be reimbursing your employees for all or a portion of their premiums, or sending them to the Individual Health Insurance Marketplace. If this is the case, it’s important you understand MAGI.

For more information visit: ZaneBenefits.com.

EDITORS NOTE: Rick Lindquist is available for questions from the media through Zane Benefits. Contact Jessica Welker at 435-275-4507 or media@zanebenefits.com

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About Zane Benefits:

Zane Benefits is the leader in individual health insurance reimbursement for small businesses. Since 2006, Zane Benefits has been on a mission to bring the benefits of individual health insurance to business owners and their employees.

Zane Benefits' software helps businesses reimburse employees for individual health insurance plans for annual savings of 20 to 60 percent compared with traditional employer-provided health insurance. Today, over 20,000 customers use Zane Benefits' software, services, and support to reimburse individual health insurance plans purchased independently of employment. For more information visit ZaneBenefits.com. Reported by PRWeb 57 minutes ago.

UC study: Public aid goes mainly to working families

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Labor economists at UC Berkeley issued a new report Monday showing that more than half the public assistance around the country, whether it be health insurance, food aid or welfare, goes to working families. Reported by L.A. Times 32 minutes ago.

Health data breaches sow confusion, frustration

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The hacking of health insurance data can be more troublesome than credit card breaches.

 
 
 
 
 
 
  Reported by USATODAY.com 1 day ago.

Prescription Drug Spending Jumps as Orders Set Record

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Prescription Drug Spending Jumps as Orders Set Record Filed under: Health Care, Drug Companies, Health Insurance, Consumer Issues

*Getty Images*

By LINDA A. JOHNSON

TRENTON, N.J. -- U.S. spending on prescription drugs soared last year, driven up primarily by costly breakthrough medicines, manufacturer price hikes and a surge from millions of people newly insured under the Affordable Care Act.

Spending rose 13 percent, the biggest jump since 2001, to a total of $374 billion, according to a report released Tuesday by the IMS Institute for Healthcare Informatics. After accounting for population growth and inflation, the increase equaled 10 percent.

A record 4.3 billion prescriptions were filled in 2014, many of them for inexpensive generic pills going to patients now insured through Medicaid in states that expanded eligibility for the government health program for the poor and disabled. The number of prescriptions covered by Medicaid rose by nearly 17 percent, and that increase accounted for 70 percent of growth in the number of prescriptions filled at retail pharmacies. Another sign of the Affordable Care Ac's impact was that prescriptions paid for in cash, normally filled by uninsured people, declined 5.5 percent.

The higher spending, though, was mostly due to the many recent drugs with eye-popping price tags: tens of thousands of dollars for a year or course of treatment.

Last year saw an unusually high 42 novel medicines launched, 18 for rare diseases, those that affect fewer than 200,000 Americans. Ten of the new drugs were designated as breakthrough therapies, for conditions including multiple sclerosis, various cancers and hepatitis C.

"2014 was a remarkable year," Murray Aitken, executive director of the IMS Institute, told The Associated Press. "We're probably not going to see it again."

Altogether, spending on prescription medicines in the U.S. rose by $43.4 billion last year, including about $10 billion due to price increases and $20.3 billion spent on prescriptions for new drugs.

That included a combined $11.3 billion spent on just four new medicines for hepatitis C, a liver-damaging virus so tough to eliminate that until recently, patients had to endure flu-like symptoms and other awful side effects for nearly a year, yet barely 60 percent were cured.

The new hepatitis C treatments cure upward of 90 percent, usually in 12 weeks. However, they carry list prices of $84,000 or more for a course of treatment.

One of them, Sovaldi, was launched at the end of 2013 yet was the top-selling drug last year. It brought maker Gilead Sciences Inc. $7.9 billion.

"Sovaldi is a record-breaker in so many ways," Aitkin said, yet Gilead's successor drug launched last fall, Harvoni, has already surpassed it in sales.

Specialty medicines -- drugs for complex, chronic and often expensive disorders including hepatitis C -- last year accounted for a full third of prescription spending. That's a likely harbinger of even higher prescription spending in years in the future.

The 2014 spending growth was somewhat restrained by insurers' efforts to hold down their costs. More and more insurance companies have been shifting patients into plans that include high copayments for medicines, as well as large deductibles that must be met before insurance coverage kicks in.

IMS said that led to more prescriptions being abandoned at the pharmacy counters by patients who couldn't afford their portion of the cost. That ultimately resulted in 8.4 million fewer prescriptions being filled at retail pharmacies in 2014, compared to 2013, by patients who were commercially insured, either through their employer or a new health exchange plan.

The IMS figures are based on list prices for brand-name drugs, though wholesalers usually get discounts and rebates amounting to about 6 percent. Generic drugs, which are often as much as 90 percent cheaper than the brand-name drugs they copy, don't come with such large markdowns.

Last year, there were far fewer new generic drugs than in recent years, so generics reduced spending by only $11.9 billion, compared to the peak level of $30.7 billion in 2012.

 

Permalink | Email this | Linking Blogs | Comments Reported by DailyFinance 1 day ago.

New Report Shows Poverty Wages Costing Taxpayers $153 Billion A Year

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New Report Shows Poverty Wages Costing Taxpayers $153 Billion A Year New Report Shows Poverty Wages Costing Taxpayers $153 Billion A Year
New Report Shows Poverty Wages Costing Taxpayers $153 Billion A Year
Politics
low pay, poverty, taxes, worker, employees, university of california, minimum wage
Has Been Optimized

According to a new report, low wages are costing American taxpayers roughly $153 billion per year.

The report, presented by the University of California, Berkley, showed that families who depend on poverty-wage jobs to survive are often forced to rely on government programs like food stamps and Medicaid. The more people rely on such programs, the more money it costs taxpayers.

To come to the conclusions laid out in the report, the University looked at the amount of money that states are spending on programs like the Children’s Health Insurance Program, the Temporary Aid to Needy Families program, Medicaid and the Earned Income Tax Credit and the Supplemental Nutrition Assistance Program. The federal government, the report found, is spending about $127.8 billion a year while states are collectively spending about $25 billion.

With the federal minimum wage currently at $7.25 an hour, the Huffington Post pointed out that a parent working full-time for a family of two over the course of a year won’t bring in enough money to live over the poverty line. With such little income for minimum wage families, government assistance is inevitable.

According to the Berkley report, fast food workers and child-care workers typically rely heavily on government assistance. More than half of fast food employees who make minimum wage require the help of federal programs.

The new report comes just before low-wage workers throughout the country are expected to protest for better pay on April 15th. The protests, which are being spearheaded by an organization called Fight For 15, will call for the federal minimum wage to be raised to $15 an hour.

Sources: Huffington Post, UC Berkley Labor Center

Photo Credit: laborcenter.berkley.edu

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OV in Depth:  Reported by Opposing Views 22 hours ago.

The one chart that proves Obamacare really is working (for the fascists)

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The one chart that proves Obamacare really is working (for the fascists) With the election cycle starting up again, we are going to be bombarded more and more with propaganda like this:  7 Charts That Prove Obamacare Is Working

Below, is the one chart that proves Obamacare really is working (for the fascists).

Since the Obama administration began pushing its healthcare reform bill in early 2009, the stock prices of the Big Five health insurers have done remarkably well, even vs. the S&P500.

Google Chart

 

*Question:* How many patients did Humana, United Healthcare, Cigna, BCBS (Anthem), Aetna, or Cigna diagnose or treat last month?

*Answer:* Zero.

Read my article from last year: You have health insurance, but you cannot afford surgery? You should have bought HUM stock.

These are insurance companies...they are by definition intermediaries...not medical providers.  They don't diagnose or treat anyone.  They make money only by receiving premium payments, investing these payments, and by *minimizing the physician reimbursements* they make to the providers that actually provide healthcare. 

The insurance companies and their captured regulatory body, CMS, set the prices paid to doctors, not the providers.  The doctors have essentially zero negotiating power.  In fact, the fee schedule attached to the physician's contracts with the insurance companies is usually blank.  No shit.  Just think about the hubris of that for a while.  Some large hospitals may have a little bit of negotiating power, in smaller markets, but not much.

In fact, the Senate is set to vote on a bill, H.R. 2, the Medicare Access and CHIP Reauthorization Act of 2015.  Though H.R. 2 was overwhelmingly passed in the House by a vote of 392 to 37, the Senate delayed its vote.  If the Senate does not act before April 15 when the CMS will no longer hold claims, it will result in *a 21 percent cut to physician reimbursements* for Medicare, which will then rapidly reduce insurance company expenses when they follow suit by reducing their fee schedules, accordingly, but will not lower your premium, only raise the stock prices of the insurance companies.

 

So, the next time your congressman tells you that he is working to help reduce healthcare costs, ask the fascist how his Cigna stock is doing, and remember that *the only surefire way to dramatically reduce healthcare costs is to remove the middlemen and allow market forces to return to healthcare.  *

Try this.  Call your dentist and ask how much an examination, x-ray, and molar extraction costs.  You will likely receive a price over the phone.  No intermediary.  Call your doctor and ask how much an examination, x-ray, and any simple procedure like a complete blood test costs.   Good luck.  If dentists and orthodontists can have transparent and affordable market pricing, then so can doctors.*
*

  Reported by Zero Hedge 20 hours ago.

How Do I Pay the ACA Penalty?

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The ACA tax penalty, also known as the Individual Shared Responsibility Payment, has millions of taxpayers worried about how much they’ll owe for going without health insurance in 2014. Reported by Forbes.com 20 hours ago.

Tax Penalty Doesn't Always Outweigh Reasons To Forego Health Insurance

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Confusion about how to enroll in health care coverage is one reason people don't sign up. Reported by IBTimes 19 hours ago.

Tax Penalty Doesn't Always Outweigh Reasons To Forgo Health Insurance

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Confusion about how to enroll in health care coverage is one reason people don't sign up. Reported by IBTimes 18 hours ago.

Deliver Media Named Finalist for Tampa Bay Business Journal's Best Places to Work 2015

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Marketing company in Tampa Bay area hopes for a second year in a row victory as Tampa Bay Business Journal's Best Place to Work

Tampa, FL (PRWEB) April 14, 2015

Deliver Media, a Tampa-based full service marketing agency, was voted the Tampa Bay Business Journal’s 2014 Best Place to Work in the Nearly Big category. The company has been named a finalist again for 2015 and hopes to bring home a second victory. Deliver Media is honored to be a finalist in this category once again, but isn’t surprised. The company puts as much emphasis on having fun at work as they do on the work itself. Jennifer Scott, Deliver Media’s COO, says, “When you think about it, 2/3 of our lives are spent working and sleeping. So our secrets to success are to love what we do and to have a comfortable bed.”

Deliver Media employees completed a survey that featured scaled, multiple choice, and open-ended questions, all answered anonymously. Topics covered loyalty, trust in management, compensation, team effectiveness, individual contribution, job benefits, as well as overall employee satisfaction.

Sean Johnson, the company’s CEO, is a big supporter of a “work time fun” office culture, to make sure the company practices a “work hard, play hard” mentality. A focus on benefits, both traditional and non-traditional, makes Deliver Media a leader in the market. Johnson says, “Of course we try to be a market leader with traditional benefits like health insurance and our vacation policy, but we also like to encourage teambuilding with benefits that are outside the box like our trip to Epcot on a party bus or our 3-day Carnival cruise. Especially when something big happens for the company or one of our clients, it’s important for the entire team to feel that success. It brings us closer together and promotes a family-style atmosphere.”

Deliver Media treats their clients the same way, which is why they have such longstanding relationships. They go beyond services for a fee and truly connect with their clients. This helps them to develop meaningful relationships and promotes excellent service. Tony Agan, an Integrated Marketing Representative says, “I’ve been with Deliver Media since 2001 and many of my clients have been with me since day 1. Whether they are large national accounts like Domino’s Pizza, or growing local businesses like Café Liberty Coffee Services, every client is like a family member. Especially in marketing, we can really push a business in either direction. So we invest a lot of our time in research and development making sure that we stay on the cutting edge of technology, constantly creating innovative ways to help our clients own their market. Best of all, we make it fun so our work is never forced.”

About Deliver Media:
Deliver Media is a full-service marketing agency based out of Tampa, FL that uses the latest in cutting edge technology to meet client marketing needs in a custom, scalable, and cost efficient way. With over 20 years of experience, Deliver Media serves nation-wide franchises, agencies, as well as local businesses. Clients include Domino’s, GNC, Home Instead Senior Care, Jersey Mike’s, and Mitsubishi.

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For more information on this topic, please contact Deliver Media’s Marketing and Branding Coordinator Nicole Michaels at Nicole.michaels(at)delivermedia(dot)com. Reported by PRWeb 19 hours ago.

Zane Benefits Releases New eBook, “Are We Reimbursing Employees’ Health Insurance Correctly?”

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Zane Benefits, leader in individual health insurance reimbursement for small businesses, released new eBook, "Are We Reimbursing Employees' Health Insurance Correctly?"

Salt Lake City, Utah (PRWEB) April 14, 2015

Zane Benefits, the leader in individual health insurance reimbursement for small businesses, announced the publication of a new quick reference chart, "Are We Reimbursing Employees’ Health Insurance Correctly?" The easy to use chart helps small businesses understand how to correctly reimburse employees' individual health insurance.

According to Zane Benefits, health benefits are an important way to recruit and retain top candidates, but for most small businesses, traditional group health insurance has simply grown too expensive. With a nationwide shift to employer-funded health insurance, the reference chart is useful to employers calculating and categorizing health reimbursement for their employees.

Zane Benefits’ latest eBook helps small businesses understand how to accurately reimburse employees’ individual health insurance. The reference chart is available for free download at ZaneBenefits.com and covers how to evaluate if a reimbursement arrangement is compliant, ways to reimburse employees’ health insurance correctly, steps to avoid costly fees and penalties, and new Affordable Care Act rules.

For more information visit: ZaneBenefits.com.

EDITORS NOTE: Zane Benefits is available for questions from the media. Contact Jessica Welker at 435-275-4507 or media(at)zanebenefits(dot)com.

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About Zane Benefits:

Zane Benefits is the leader in individual health insurance reimbursement for small businesses. Since 2006, Zane Benefits has been on a mission to bring the benefits of individual health insurance to business owners and their employees.

Zane Benefits' software helps businesses reimburse employees for individual health insurance plans for annual savings of 20 to 60 percent compared with traditional employer-provided health insurance. Today, over 20,000 customers use Zane Benefits' software, services, and support to reimburse individual health insurance plans purchased independent of employment. For more information visit ZaneBenefits.com. Reported by PRWeb 18 hours ago.

Should Businesses Cover Mental Health Treatments?

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More and more cases of mental health issues are popping up across the United States. In fact, 15 percent of all diseases in North America are attributed to mental illness, and a large portion of these are due to workplace stressors. Many insurance policies don't cover mental health treatments, but maybe they should. To help businesses determine if they should add this coverage to their employee benefits, here is a general overview of mental health issues in the workplace:

*Common Types and Causes of Mental Illness in the Workplace*

According to a study published in the Current Psychiatry Reports journal, 10 percent of the general working population report cases of major depression or other emotional illnesses per year. These illnesses lead to significantly reduced efficiencies at work and enhanced disabilities when left untreated.

The most common mental health disorders developed in the workplace include:

· *Major Depressive Disorder (MDD):* MDD is characterized by a chronic and persistent feeling of sadness and loss of interest in things once loved. Though this disorder is mainly genetic, it is most often dormant until stressors, like those that come from the workplace, trigger it. Those with MDD have an extremely difficult time performing basic tasks like showering and eating.· *Dysthymic Disorder*: A more mild form of depression, Dysthymia Disorder is a milder version of chronic depression. Symptoms generally last for a period of two years minimum. Some cases are genetic, but most are brought on by environmental situations, including high levels of stress in the work place.· *Seasonal Affective Disorder (SAD):* Also known as winter depression, SAD is a form of depression that occurs at the same time ever year, usually in the winter. The main cause is a lack of vitamin D, which is very common for employees who work in cubicles without windows.· *Post Traumatic Stress Disorder (PTSD):* Most common in those with life-threatening jobs (military personnel, police officers, paramedics, etc.), PTSD is a lasting trauma that results from a particularly difficult experience. Most cases reported state the cause was the patient's occupation. According to this page at ClearviewWomensCenter.com, "the rate of co-occurring disorders [with PTSD] is very high. Some studies show that up to 80 percent of those with PTSD have another disorder. Successful PTSD treatment requires treatment of any co-occurring disorders, such as... depression, and anxiety." This leads us to our last point.· *Depression, Stress and Anxiety*: Depression, stress and anxiety are the most common emotional illnesses that develop in the workplace. Disorders associated with these mental illnesses can cause both psychological and physical damage, and those left untreated can decline rapidly. All mental illnesses require treatment for full recovery. Unfortunately, most people won't seek treatment for work-related illnesses if the cost isn't covered by their insurance.

*Legislation Supports Mental Health Coverage*

Mental health care has not always been a prominent part of health insurance policies. Though many covered it, there were unequal deductibles, copays, and coverage associated with that care. A few steps have been taken to improve that legislation in support of mental health coverage in businesses.

The Affordable Care Act has its downsides and benefits, but one good thing about this act is that it extends coverage for those suffering from mental health issues. The coverage is not all encompassing and every policy will have its own specific guidelines, but it does require those who have taken out insurance plans under this act to cover mental health.

Another important law to acknowledge is the Paul Wellstone and Pete Domenici Mental Health Parity and Addiction Equity Act, more commonly known as the parity law. The parity law requires insurance policies to equalize the coverage for mental health treatments with physical health treatments

*Should Businesses Cover Mental Health Treatments?*

Despite new research and legislation that supports mental health coverage, many businesses still don't offer mental health coverage in their insurance plans. Though there is currently no law mandating mental health coverage outside of the Affordable Care Act, here are a few reasons that businesses should consider adding mental health treatments to employee benefits:

· *Avoid Lawsuits*

"Failure to provide a psychologically safe workplace can lead employees to engage lawyers in pursuit of court settlements," says Ray Williams, a contributor for Psychology Today.  It's true that these cases rarely ever win, but the cost of battling in court will far surpass the cost of providing mental health coverage.

· *More Efficiency*

Emotional illnesses, depression, and anxiety reduce productivity by nearly 50 percent in men and nearly 30 percent in women. These effects occur in the early years and remain prevalent throughout their working lives. Those who don't receive treatment for their mental illnesses (and most won't seek it without insurance), contribute significantly to decreased efficiencies and increase unnecessary spending within companies.

· *Peace of Mind*

Most people recognize the signs of depression and mental illness, but only about 20 percent of them receive treatment. Approximately 90 percent of people who commit suicide have a mental illness that went untreated at the time of their death, according to Suicide.org. Providing mental health insurance is one of the best things businesses can do to prevent suicides in their employees and improve a higher quality of life within society.

-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website. Reported by Huffington Post 18 hours ago.

Medtronic partners with IBM's new Watson Health unit

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Medtronic is teaming up with IBM's new health care analytics venture, Watson Health, to improve care for diabetes patients. IBM debuted Watson Health on Monday afternoon and named three corporate partners: Apple Inc., Medtronic and Johnson & Johnson. Watson Health and Medtronic (NYSE: MDT) will analyze data generated by diabetes devices and from records such as health insurance claims. The relationship could result in new services, including care-management programs for patients, Medtronic said. RELATED:… Reported by bizjournals 18 hours ago.

Appeals Court Rejects Ron Johnson's Obamacare Challenge

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By Jonathan Stempel

April 14 (Reuters) - A federal appeals court has rejected Wisconsin Sen. Ron Johnson's effort to stop members of Congress and their staffs from getting health insurance subsidies under President Barack Obama's 2010 healthcare law.

The 7th U.S. Circuit Court of Appeals in Chicago said Johnson lacked legal standing to sue because he did not show he had been injured by the "special treatment" he claimed Obamacare gave senators, representatives and their staff.

Tuesday's decision by a unanimous three-judge panel upheld a July 2014 ruling by U.S. District Judge William Griesbach in Green Bay, Wisconsin.

Johnson, a Republican, said he will review the decision before deciding whether to appeal.

"With this decision today, another executive action by the administration will go unchallenged," he said in a statement.

Johnson's lawsuit is one of many challenging part or all of Obamacare.

The senator had opposed the federal government's authority to make employer contributions even when lawmakers and staff bought coverage via online exchanges created by Obamacare.

Johnson claimed he was injured because the law forced him to choose which staff were entitled to subsidies, deprived him of equal treatment with Wisconsin voters, and hurt his reputation by requiring him to accept benefits he considered illegal and which his constituents could not get.

Writing for the appeals court, however, Circuit Judge Joel Flaum said the parts of the law to which Johnson objected were unrelated to the alleged administrative burden they created, and that "the mere allegation of unequal treatment" did not create an injury.

Flaum also said voters' perceptions were not relevant.

"Respectfully, we do not see how Senator Johnson's reputation could be sullied or his electability diminished by being offered, against his will, a benefit that he then decided to refuse," wrote Flaum, who was appointed to the appeals court by President Ronald Reagan.

The 7th Circuit rejected reasoning behind a 1994 decision in which the federal appeals court in Washington, D.C. said Ohio Rep. John Boehner, now House speaker, had standing to challenge a cost-of-living pay adjustment on the ground that it violated the Constitution.

Flaum said that case also differed because the pay increase was automatic, while Johnson could refuse the subsidies.

The U.S. Supreme Court narrowly upheld Obamacare in 2012. It is expected to decide by the end of June whether several million low and moderate income people in 34 U.S. states that did not set up their own insurance exchanges are entitled to subsidies. (Reporting by Jonathan Stempel in New York; editing by Andrew Hay)

-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website. Reported by Huffington Post 17 hours ago.

Federal appeals court slaps down Republican senator’s Obamacare lawsuit

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A federal appeals court has rejected Wisconsin Sen. Ron Johnson’s effort to stop members of Congress and their staffs from getting health insurance subsidies under President Barack Obama’s 2010 healthcare law. The 7th U.S. Circuit Court of Appeals in Chicago said Johnson lacked legal sta... Reported by Raw Story 18 hours ago.

Dear Mainstream Media: I Am Latina, and I'm Not Voting for Marco Rubio

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I have a news tidbit for Beltway journalists: Latinos are not all the same. Crazy, I know, but I swear it's true. We actually are not Barbies, easily fitting into one another's costumes or convertibles or dream houses. We don't necessarily mix and match, like an ethnic version of Garanimals. We're all different. And for the love of God, this particular Latina is getting mighty tired of being mistaken for Latinos I Am Not. Case in point: Marco Rubio. Dear Mainstream Media: I am Latina, and I will never vote for Marco Rubio.

He announced his presidency yesterday, and since then, I have heard repeatedly, across the media spectrum, that He Will Appeal to Me as a Latino. I expect to hear this mantra for many days, weeks, and months to come; it's clearly a narrative that many Beltway types have committed to memory. Well... certainly, I understand why non-Latino journalists might be confused on this issue. As I walk down the streets of my hometown, I - like all other Latinos - just love and adore every Latino I meet. We experience an instant spiritual and cultural connection with each other, constantly, all 50.5 million of us counted in the 2010 census! I guess we're clannish that way, or tribal, or however you'd like to imagine it. Pluck any Latino out of his or her neighborhood, and I will immediately greet that person: "!Familia! ¡Amigo! ¡Compadre! I give my vote to YOU!" I won't even have to think - why would any politician wish me to do that - but rather, just stroll into the voting booth seventeen months from now, look for the Spanish surname on my ballot, and click. ¡Mi voto es tu voto, hermano! ¡Claro que sí!

Such bull----.

I read Rubio's platform as it's provided on his senate website, "Reclaiming the American Dream." I don't disagree with every stance he takes. But I disagree with enough of them, and feel strongly enough about an important handful, that voting for him will never be an option. His views on foreign policy, specifically as to what would constitute grounds for U.S. military intervention, are non-starters for me. The same goes for his views on gay marriage, which I see as code for "your gay friends and loved ones should not have the same rights as your straight friends and loved ones." No thanks, hermano -- that ship sailed long ago for me. The environment? Nope, no agreement there. His stance on immigration seems... lukewarm, muffled in response to his party's ongoing hostility. He even signed the infamous Iran letter, along with 46 other senators who desired to undercut the president's foreign policy efforts. I, on the other hand, signed the White House "We the People" petition asking that said senators be investigated for treason. So you see... Senator Rubio and I view the world differently. And yet, we're both Latino. Will wonders never cease?

Finally, I cannot shake how profoundly, for me, the Republicans are the Party of No. The Party of Taking Things Away, Shutting Doors, Shaking Heads. Curtailing voting rights under the guise of guarding against fraud; supporting "religious freedom" legislation that insults my Catholic values of compassion and tolerance; refusing to face up to the fact that we share a land border with a poor and conflict-ridden nation -- itself a geographic gateway to other poor, unstable nations - and that their citizens, Latinos, will never just go away, no matter how many police you send to the border or walls you build there. Republican politicians, to me, are those who pass Right to Work legislation that they admit does nothing to attract jobs. (Thanks for your honesty, Rick Snyder.) They are mercenary pols taking calls they think are from the wealthy Koch Brothers while refusing to speak with thousands of ordinary citizens protesting outside their doors. (I haven't forgotten that one, Scott Walker). They practice "small government" by telling individual school districts which ethnic studies classes they may and may not teach. (Still avoiding you, Arizona). Republicans are the callous cads yelling out "You lie!" at the State of the Union address or "Let him die!" while discussing health insurance at 2012 presidential debates.

As of today, the main voice of the party does nothing to disabuse me of this impression: I look at the RNC website, and it features a "Stop Hillary" campaign. Nothing pro-Rubio, pro-Ted Cruz, pro-Rand Paul, or for any of their declared candidates. Nothing that tells me what the Republicans as a party are passionately for -- only what they hate and are against. Thanks, but I don't live in a cave, and I pay attention to the news -- I am fully informed about what Republicans hate. And I say, thanks, but no thanks.

I am so tired of being reduced to a demographic. There is no algorithm that defines me. (Well, maybe there is, but it's probably Amazon that owns it, and not the GOP and Dems. Vote for Amazon!) I don't care that Rubio and Cruz share a language with me -- all of the candidates, regardless of party, share with me this language I use right now, and this alone does not sway me either. Don't assume that Cubano issues are Boricua issues are Tejano issues are Chileño issues and that you needn't try to find me where I am. Woo me, pols: Tell me what you love and hold dear, not what or whom you hate. Don't try to raise me up while putting down my friends. Don't tell local teachers what they cannot teach, or local workers that billionaires in other states matter more than they do. Don't stack the deck against a middle class that is already struggling, or pile on poor folks barely hanging on. And whatever you do, so help me: Don't speak to me in your stodgy, faux "down with it," hanging-with-my-peeps Spanish. Don't go there, compadre. Just don't.

Oh, and I'm not voting for Ted Cruz because he's Latino either. Just for the record.

-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website. Reported by Huffington Post 15 hours ago.
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