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The San Diego Padres re-sign a 39-year-old ex-player every season so he can keep his health insurance

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The San Diego Padres re-sign a 39-year-old ex-player every season so he can keep his health insurance Each season the San Diego Padres re-sign their second-round pick from the 1993 draft, even though he hasn't played in nearly 20 years.

After former pitcher Matt LaChappa suffered a heart attack in the bullpen in 1996, he suffered brain damage, cutting his career short and confining him to a wheelchair.

Priscilla Oppenheimer, who was the director of Minor League operations when LaChappa had his heart attack, told Steve Bisheff of the Orange County Register in 2013 that LaChappa had a virus around his heart that went undetected during a physical.

To help LaChappa keep his health insurance and a steady income, the Padres re-sign him each season to a minor league contract.

Oppenheimer told Bisheff:

"It's our way of saying to Matt that you're a Padre for life. When Larry Lucchino (the team's former president who now holds the same position with the Red Sox) was here, he said that's the way it should be. And as long as I'm here, that's the way it's going to stay."

Nothing has changed for the Padres or LaChappa. With the MLB regular season underway, the Padres have once again re-signed LaChappa to a minor league contract, a team spokesperson told BI.

Minor league contracts are not lucrative — about $3,000 - $7,500 for a five-month season, according to Michael McCann — but they come with benefits.

Matt's father, Clifford LaChappa, told Corey Bocker of MLB.com, "When this first happened, we weren't sure if he was going to live or die. But the Padres made such a commitment to making Matt a Padre for life. For them to do that, it shows you that sports aren't just about winning, it's also about caring for the players."

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NOW WATCH: 3 hardcore exercises to build muscle super-fast Reported by Business Insider 20 hours ago.

The Fourth Quartrer

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President Obama is known to be a basketball fan and has referred to the last two years of his eight-year term as the fourth quarter. The analogy doesn't work too well because in the game of Washington politics, the teams change rosters every two years. What stays constant, however, is the need to do the nation's business, and a scoreless quarter means the nation loses when it comes to maintaining the functionality of our justice system. Not doing the business of confirming judges means we lose ground as retirements mount up and vacancies translate to delays and backlogs.

Every year significant cases make their way to the Supreme Court, whether the other two branches of government are working or not. This term is no exception. Among those cases for which rulings are expected before July is one on state bans on same-sex marriage, with sweeping implications for ensuring true equality across the U.S. Another with truly life and death consequences will determine whether federal tax subsidies are available to individuals who purchase health coverage in the online health insurance marketplace (or exchange) operated by the federal government. If the subsidies are thrown out, millions will be unable to afford health insurance, and health experts predict nearly 10,000 people would die as a result.

Also pending in the Supreme Court is a case on whether a claim of disparate impact can be used to pursue a discrimination complaint under the Fair Housing Act. Disparate impact -- an allegation that a law or policy has a discriminatory effect, even though the discrimination was not necessarily intentional -- has been a key part of enforcing civil rights laws for decades. The Supreme Court will also decide on the constitutionality of using a particular drug in a death penalty protocol. And it will rule on the legality of a federal statute directing the State Department to record that the place of birth for a U.S. citizen born in Jerusalem is Israel, a case that tests presidential vs. congressional power.

These cases have one thing in common -- they came to the Supreme Court through the U.S. Circuit Courts of Appeal and originated in the federal district courts. The federal district courts, which are trial courts, heard 372,563 cases in 2012. That same year 57,501 appeals were filed with the circuit courts, while less than 90 are typically accepted for argument before the Supreme Court in any given year. So the circuit courts are really the court of last resort for the overwhelming number of cases. It also happens that most Supreme Court justices are selected from those serving on the circuit courts.

That is why in recent decades, the appointment of judges to federal courts, particularly appeals courts, has become hotly contested in the Senate, where judges must be confirmed and where the confirmation of new district and circuit court judges has basically ground to a halt. President Obama has done remarkably better than his predecessors in appointing a diverse judiciary. 42 percent have been female, compared to 23 percent female for President Bush. 65 percent are white, compared to 82 percent for President Bush. And nearly 19 percent have been African American, compared to 7 percent for President Bush. This progress will be diminished if vacancies are not filled in a timely fashion.

In 2015, it seems we are back to square one. Three months have passed with just one vote on a judicial nominee. Of the 81 vacancies on the federal bench in early April, 10 are seats on the circuit courts (54 are current vacancies and 27 are projected based on announced retirements). Votes on two circuit court nominees are pending in the Senate and sixteen nominees are awaiting confirmation to district court bench. The other vacancies as yet have no nominees.

Denying confirmation to qualified nominees violates one of the "rules" of the game -- the rule that each president will have the chance to reshape the bench to reflect his or her vision of justice. But it is not a game. Our constitutional rights, including among others the right to privacy and the separation of religion and state, as well as many practical concerns about such matters as clean air and safe food, all depend on the outcome. Justice delayed is justice denied is not just an expression -- those awaiting justice, especially individuals and their families, can suffer a great deal as their cases hang in limbo.

While many yearn for a time when the selection of judges was not so politicized, there is no going back. Americans need to become involved by making their views known to their senators and by urging the president to pick up the pace on new nominations. And we all need to be involved now, to maintain the momentum toward the goal of ensuring a fair and independent judiciary committed to constitutional rights, including reproductive rights. Inaction doesn't maintain the status quo; it means we slide backward. Unless we all get in the game, the promise of the Constitution's preamble, to "establish justice" and "secure the blessings of liberty" will recede from view.

-- 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 19 hours ago.

Over-Policed and Underserved

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Contrary to the myth we've been sold that more police, and more jails and prisons, are the best or only way to keep us safe, the real solutions to community safety lie in the things that make for thriving neighborhoods.

We've been shackled for too long by that myth (largely promulgated by police and prison guards' unions), and we're increasingly realizing that the price to be paid is just too high. We are over-policed, and over-incarcerated, but underserved. In safe communities, we see neighbors with good jobs, health insurance, access to drug and mental health treatment if they need it, good schools, parks, public transit, and well-lit sidewalks. Middle and upper-class communities would never trade those things for more policing, let alone put up with the kind of saturated, militarized presence we've imposed on poor people. Of course, I am glad that I could call the police if I needed them. But as my favorite mayor says, police are meant to be guardians of our communities, not warriors within them.

Over the past year, we've seen media coverage of incident after incident involving unarmed men of color, their lives and potential cut short at the hands of the very people who are supposed to protect and serve all of us. The work of brave activists and protestors has resulted in intense focus from all levels on the clear need to reform our justice systems. More and more people in our country are waking up to a fact that communities of color and low-income communities have long known -- that something has gone terribly wrong.

Today, activists and policy makers alike are calling for an end to oppressive and racist policing. In the San Francisco Bay Area, advocates met recently with Vanita Gupta, head of the Department of Justice's Civil Rights Division, to forge partnerships for greater police accountability and less violence at the hands of law enforcement. California legislators are addressing police violence as an urgent public safety issue. The President's 21st Century Task Force on Policing outlined an impressive set of recommendations to strengthen trust and collaboration between communities and law enforcement.

There certainly is no shortage of proven reforms we can implement to improve police practices in the more than 18,000 local law enforcement jurisdictions across the country. For example, police departments need mandatory training on racial bias and should adopt policies that outlaw racial profiling. Police should be trained and equipped with safe, non-lethal means of force. It is also common sense to have civilian oversight of police departments and independent investigators to police the police when they injure or kill someone. More body cameras, diversity in hiring, and real consequences when cops break the rules all are right steps forward. These are important though incremental wins.

Real transformation of our justice system will require more than incremental steps. It will require all of us working together over the long haul to make bold change possible. Here are two critical and important calls to action that can help get us there.

First, we must hold local elected and appointed officials accountable for the performance of their police and sheriffs' deputies. Police officers work for the people. They are paid by us to protect and serve, not oppress us or jeopardize our lives. As community members, we can reclaim our police departments by pushing our city leaders to act. We can demand that each mayor and city council produce a real plan for ensuring that their police departments are friends and not foes for every member of their communities. If they fail, we must take them to task and vote them out of office.

A second and even broader reform that must be a core part of the agenda is to undo how we got here in the first place. For decades, our so-called "tough on crime" stance on public safety has saddled us with failed policies that have made us less safe, from the war on drugs in the streets to zero tolerance policies that lead to the suspension and expulsion of far too many children, mostly Black and Latino children, from school. Our out-of-control justice and policing systems have done real damage to our communities, especially communities of color and low-income communities, and to our local, state and federal coffers.

It is time for us to reimagine what it really takes to keep people safe. We can't get safe and healthy communities simply by putting more police at every corner in militarized gear. Yes, law enforcement is important, particularly for countering and solving serious and violent crimes. But safe and healthy communities can prevent crime in the first place with strong schools, more teachers and nurses, and better employment, mental health and treatment services. For far too long, we have neglected one approach for the other, to our detriment. It is time now to find a better way.

The tragic deaths of Michael Brown in Ferguson, Eric Garner in New York, Walter Scott in South Carolina and many others in towns and cities across the country have reminded us that the Black and Brown young people shot and killed in our streets by police are not the "other". Instead, they are our sons and daughters, our brothers and sisters, our neighbors and our loved ones. This is true for me as well. More than a decade ago, my former partner was shot and killed by police in San Francisco while suffering from a mental health crisis.

What I believed then is even truer now: We must find the courage to commit to, and demand from our elected officials, the deep criminal justice reforms that will replace over policing and over incarceration with jobs, health care, good schools, mental health and drug treatment, and crime prevention programs. Let's make sure that all of us can live in safe and healthy communities.

-- 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.

A.M. Best Affirms Ratings of Blue Shield of California and Its Subsidiary

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A.M. Best Affirms Ratings of Blue Shield of California and Its Subsidiary OLDWICK, N.J.--(BUSINESS WIRE)--A.M. Best has affirmed the financial strength rating (FSR) of A (Excellent) and the issuer credit ratings (ICR) of “a” of California Physicians’ Service (d/b/a Blue Shield of California) (Blue Shield) and its wholly owned life/health insurance subsidiary, Blue Shield of California Life & Health Insurance Company (Blue Shield Life). Additionally, A.M. Best has downgraded the FSR to B++ (Good) from A- (Excellent) and the ICR to “bbb+” from “a-” of Blue Shield’s Reported by Business Wire 19 hours ago.

Financial Incentives OK'd for Workplace Wellness Programs

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Financial Incentives OK'd for Workplace Wellness Programs Filed under: Health Care, Labor, U.S. Government, Health Insurance

*John Ewing/Portland Press Herald via Getty Images*

By RICARDO ALONSO-ZALDIVAR

WASHINGTON -- In a victory for business, federal regulators said Thursday that employers can continue to use financial penalties and rewards to nudge staff to participate in fast-growing workplace wellness programs.

But the Equal Employment Opportunity Commission -- which enforces laws against discrimination -- also proposed some safeguards for employees.

Those include limits on the size of financial incentives, confidentiality of employee medical information and prohibitions against firing workers who decline to participate or denying them access to the company health plan.

Financial incentives can range as high as 30 percent of the cost of premiums for employee-only coverage, the commission said. The proposed regulations are now open for public comment for 60 days.

Programs that encourage workers to lose weight, quit smoking, get active and better manage stress are spreading throughout American businesses. Employers are looking for ways to cut costs associated with chronic illnesses, which can be influenced by lifestyle, not just family medical history.

Some wellness programs require employees to complete a health risk assessment questionnaire and discuss the results with a health coach. Some require employees to take specific actions, such as losing weight or getting blood pressure readings down to recommended levels.

*Chilling Effect*

The wellness regulations have been lobbied hard by business groups pressing for more leeway and advocates for people with disabilities, seeking limitations. The influential Business Roundtable warned the administration last year that the employment commission's pursuit of discrimination claims related to wellness programs was having a chilling effect on efforts to control health costs.

Businesses say the programs are paying financial dividends, but independent assessments are mixed. For example, a 2013 study of a major St. Louis hospital system found that its wellness program was associated with a sharp drop in hospitalization. Yet increased outpatient costs erased those savings.

The 30-percent standard for financial carrots and sticks was set in President Barack Obama's health care overhaul law.

Here's how it works: If the total premium paid by the employer and employee for single coverage is $5,000, rewards or penalties for participating in a wellness program under that plan cannot exceed $1,500.

*Financial Incentives*

Virtually all large companies offer some sort of wellness benefit as part of their health insurance program. But fewer than 4 in 10 use financial incentives to get employees to participate or meet specific health goals. In most cases the penalties or rewards are well below what would be permitted under the proposed regulations.

After the health care overhaul passed in 2010, questions arose about potential conflicts with the Americans with Disabilities Act, or ADA, which dates back to 1990 and protects people with chronic conditions against workplace discrimination. That law says wellness programs have to be voluntary.

The employment commission is trying to balance the two laws.
Without question, the EEOC has stepped away from its prior enforcement guidance.

Karen Pollitz, an insurance expert with the nonpartisan Kaiser Family Foundation, said the commission previously had maintained that participation in wellness programs must be voluntary.

"Without question, the EEOC has stepped away from its prior enforcement guidance," said Pollitz. "Now they are saying it is OK to penalize people as long as the financial penalties or incentives, as well as other aspects of the program, are within these limits."

Commission Chairwoman Jenny R. Yang said in a statement the goal is to "harmonize" the workings of different federal laws that address the issue.

"Medical inquiries and exams that are part of an employee health program must be voluntary," said Yang. At the same time, "allowing incentives to encourage participation in wellness programs" is permitted by federal law.i

 

Permalink | Email this | Linking Blogs | Comments Reported by DailyFinance 19 hours ago.

Congress and the Terrific, Honorable, Very Good, Not Bad Day

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Don't look now, but Tuesday April 14, 2015 was a good day for American democracy.

First, the U.S. Senate by an extraordinary 92-8 tally, adopted legislation ending 18 years of a flawed Medicare reimbursement system - the so-called "doc fix" - and extended funding for a once-controversial children's health program. The real breakthrough here happened in the House where Speaker Boehner and Minority Leader Pelosi sat down, shut the doors and developed a serious solution to one of Congress' most embarrassing "can-kicking" traditions. Before final passage in the Senate, the legislation had garnered 392 votes in the House.

Earlier that very same day, the Senate Foreign Relations Committee stepped up to pass, on an equally stunning 19-0 vote, a skillfully constructed bipartisan compromise ensuring Congress a vote on any nuclear agreement with Iran. Recognizing that less than a month ago, nearly half the Senate seemed to have given up on the process - taking the aggressive and highly partisan step of writing directly to Iranian leadership - the establishment of a unified voice in the Committee is a real sign of tremendous progress.

Together, these buds of bipartisanship offer signs that the legislative process is coming back to life after years of dark and depressing political gridlock.

Three factors supported this burst of inter-party cooperation. The first: a dose of healthy institutional ego. While both houses of Congress are replete with considerable individual egos, pride in the institution as a whole has been weakened in recent years by partisanship, diminished accomplishment and low regard in the eyes of the public. Members of both houses of Congress on both sides of the aisle have been frustrated and tired of being part of an unproductive body that in recent years has produced little but confrontational rhetoric.

Two depressingly stubborn problems could have been poster children for that frustration: a system for paying doctors under Medicare that had required a ridiculous pattern of annual "patches," and the continuous financial uncertainty facing states depending on the Children's Health Insurance Program (CHIP). It's no wonder that celebration broke out on Capitol Hill over the surprise breakthrough that demonstrated that Congress could actually leverage bipartisanship to solve such problems.

As for the Iran agreement, a shared investment in the institutional prerogative of the Senate - based on a sense of a rich history and tradition, not to mention the Constitutional system - loomed large among both Democrats and Republicans, despite policy differences on the issues involved. The resulting unity in re-asserting a long-waning Senate authority vis-à-vis the Executive Branch is both appropriate and encouraging.

A second factor that helped produce these successes: a combination of dogged determination and good old-fashioned closed door negotiation. Bob Corker, the Republican Senate Foreign Relations Chairman, would not give up on his goal of gaining sufficient opposition votes to achieve a veto-proof compromise on Iran; indeed, the President has already agreed to sign the bill as passed by the Committee. Good for Corker that his adroit effort - and his willingness to spend late nights working out details with the Committee's Ranking Minority Member, Ben Cardin - removed some of the bitter aftertaste of the ill-considered open letter to the ayatollahs signed by 47 of his Republican colleagues.

Meanwhile, the "doc fix"-CHIP bill resulted from Republican Speaker John Boehner and House Minority Leader Nancy Pelosi digging in together and facing down stubborn conservative opposition to extending the CHIP program - once considered a Trojan horse for nationalized health care - and the lobbyists who perennially protected the complex reimbursement formula. They managed to reach a deal that immediately earned accolades from both leading Senate Democrats and the President, virtually assuring passage in the upper chamber. In addition to this unusual show of bipartisan force, the display of bicameral competence and courage is encouraging and worthy of note

The third factor? The more constructive atmosphere encouraged by the Republican leadership in both Houses as they have made strides to re-establish the "regular order." More votes are being allowed on amendments, committee leaders are being allowed to play their critical role as initiators, and budget resolutions are being passed on time.

Things are far from perfect. There is still harsh energy and painful inefficiency out there. For example, a seemingly slam-dunk bill to combat human trafficking is mired down in abortion politics, while the nomination of President Obama's highly qualified nominee for Attorney General, Loretta Lynch, is being held up until the trafficking bill has been resolved.

But even one aspect of that standoff is refreshing: that after years of wall-to-wall stalemate, the legislative branch is finally recovering its capacity simultaneously both to conduct intense battles - and achieve productive collaboration.

That's the way government is supposed to work. And the fact that it is indeed functioning - to resolve vital issues ranging from national security to fiscal reform to the health and well-being of children - could bode well for a few more much needed very good days.

-- 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.

A Biblical Argument (Sort of) in Opposition to the Bible as Tennessee's State Book

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Here in the Buckle of the Bible Belt our Tennessee Legislature seems destined to drive us nigh unto insanity.

The House of Representatives has voted in favor of making the Holy Bible the "official book" of the State of Tennessee -- see stories here and here.

In the name of transparency, I voice three things: One, I've spent more time with the Bible open before me than any other book. I would not be who I am today, whether for good or ill, apart from the book. Two, I draw a paycheck from my day job of teaching theology, and, moreover, teaching theology here in the buckle of the Bible Belt, in our beloved Nashville, which always makes for an adventure I can assure you. Three, I happen to believe the big claims of the Bible, though I would not hold myself up as any paragon of virtue with regard to the way of life to which the good book calls us.

With that said, I would like to say I think this bill is, in my carefully considered and nuanced vocabulary, altogether stupid. And I think the bill to make the Bible the official state book of Tennessee is stupid for the following articulate and Biblical reasons:

*One.* As anyone who has read the book can tell you, it was never intended to be a "state book." The "Old Testament," or "Hebrew Bible," could have served something like that function for the ancient people of Israel, like two thousand 750 years ago, but it does not serve that function for the modern state of Israel (which should have been a clue that this is a bad idea). But more, the "New Testament" clearly has in mind a people who are, we might say, "trans-boundaried people." Yes, I did just make that up, but I think it's actually a fairly clever term, to indicate that one of the big developments in the New Testament is that those who follow this way of life do not depend upon any geographical bounded citizenship. And that is another way of saying that the whole idea of a "Christian nation" or a "Christian state" is NOT a biblical idea. (The whole point, for example, of baptism in the New Testament is to overcome the boundaries that separate and divide people groups from one another, to become a new people that, at the level of their most basic identity, are neither Tennessean nor Texan, neither American nor Russian, neither rich nor poor, and so on.)

*Two.* Christians who get themselves in positions of governing power, and then start pulling such stunts, become an affront to Christianity. It damages the name of Christianity. It wastes time and energy. It unnecessarily offends. If you feel so obligated to offend in the name of Christianity, please offend us by praying for your enemies, seeking good for those who do ill to you, forgiving seventy times seven, giving to any who ask of you, turning the other cheek, and caring for the poor, marginalized, and ostracized, all that radical stuff that is actually in the Bible. That will give you plenty to do, will also give you an outlet to offend Western cultural sensibilities, but will have the added benefit of contributing some salt and light to our cultural debates, instead of fostering yet more hostility and confusion.

*Three.* Versions of your kind of Christian governance have been around ever since Emperor Theodosius made Christianity the only legal religion in the Roman Empire. It was not a good move then, and it's not a good move now. By the end of the eighth-century A.D., this sort of approach had no less a stellar figure than Charlemagne conquering the pagan Saxons, and telling them he was going to let them exercise freedom with regard to whether they wanted to be baptized: they could come freely and be baptized, or they could absent themselves from the baptismal services, and thereby choose death for themselves.

*Four.* This sort of Christianity -- of which the Tennessee House Legislature is only exhibiting a more recent, and less lethal, form -- may (or may not) be good at spreading particular forms of "religion." But it is awful at getting people to actually do the stuff Jesus teaches in the Bible. This is beyond dispute, a claim easily supported by even the most casual reading of the Bible and books about Western history.

*Five.* To pass such a bill is bad governance for pragmatic reasons. In a world of such need -- in a state in which there are thousands without health insurance, a point to which I shall quickly return -- you are wasting time and money. If the bill passes the Senate (which I hope it does not), and if the governor does not veto it (which I hope he does), then we are set for wasting millions of dollars on legal fees as the law will undoubtedly be the source of as-yet-unimagined litigation, mockery, and public relations fiasco.

*Six.* I am altogether dumbfounded by what can only appear as legislative hypocrisy, if there ever were such a thing. One legislator who voted in favor of the bill says that it is the "the morals, the values" that have "made me what I am." But one of the persistent "morals" and "values" of the Bible is justice, fundamental fairness, especially for those with less social capital. So, here we have a legislature that has voted to make the Bible the official book of the State; and yet when given an opportunity of late to provide health insurance to thousands and thousands of uninsured working-poor families, in a creative strategy that would cost very little to the state, would require zero increased revenue needs at the federal level, and would create and preserve thousands of jobs, all while protecting rural hospitals, the legislature has refused to even let that bill get out of committee for a full vote by the legislature.

*Seven.* This brings to mind some other words of the Bible, about "white-washed sepulchers, full of dead men's bones," and "ye serpents, ye generation of vipers, how can ye escape the damnation of hell?"

*Eight. *Dang, I shouldn't have gone there. Once I start quoting those fire-breathing passages it gets me all worked up, gets me all tempted to go John the Baptist on you, refuse to shave, fantasize about standing on the lawn of the Capitol wearing nothing but some sack cloth underwear, maybe eat some grasshoppers for lunch and wash it down with some wild honey, and start shouting: "You brood of vipers! Somebody ought to warn you of the wrath to come! Bear fruits worthy of repentance. Do not say to yourself, 'we have the Bible as our state book,' for I tell you, God is able turn all that limestone of your Capitol building into Bibles if He needs them. Why don't you just read the thing and do what it says?"

*Nine.* Dang it again, now that I started pseudo-quoting John the Baptist, I want to start calling even more names, want to start saying "you fools," and all that. But I am reminded that the Bible says I must not do that, lest I be judged myself. So I shall not. But I do confess the rather strong desire to do so.

*Ten.* Hmm. That confession on my part, and the counsel of the Bible not to call such names does, in fact, make me pause long enough to recollect that, no doubt, those who voted for the bill, have good intentions. But brothers and sisters who voted thus, please listen to the many brothers and sisters around you who are asking you not to make Tennessee legislative play with our faith tradition. Please do not. Please do repent. Let it go. There's much better work for us to be doing all together.

-- 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.

Financial incentives OK for workplace wellness programs

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WASHINGTON — In a victory for business, federal regulators said Thursday that employers can continue to use financial penalties and rewards to nudge staff to participate in fast-growing workplace wellness programs. [...] the Equal Employment Opportunity Commission — which enforces laws against discrimination — also proposed some safeguards for employees. Programs that encourage workers to lose weight, quit smoking, get active and better manage stress are spreading throughout American businesses. Employers are looking for ways to cut costs associated with chronic illnesses, which can be influenced by lifestyle, not just family medical history. The influential Business Roundtable said last year that the commission’s pursuit of discrimination claims related to wellness programs was having a chilling effect on efforts to control health costs. If the total premium paid by the employer and employee for single coverage is $5,000, rewards or penalties for participating in a wellness program under that plan cannot exceed $1,500. Virtually all large companies offer some sort of wellness benefit as part of their health insurance program. After the health care overhaul was passed in 2010, questions arose about potential conflicts with the Americans with Disabilities Act, which dates back to 1990 and protects people with chronic conditions against workplace discrimination. Reported by SFGate 17 hours ago.

Governor Herbert says closed meetings on Medicaid expansion do not violate the law

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Salt Lake City, Utah- (ABC 4 Utah) – Governor Gary Herbert is defending closed door meetings on Medicaid expansion.

He gave us an update on the debate during his monthly news conference Thursday at KUED.

The governor says they are at a stage in which they need to be able to be frank and talk openly.

He and five others are hashing out a solution for thousands of Utahns who are stuck with no option for health insurance, because of a flaw in the Affordable Care Act.

The group is meeting to discuss the parameters acceptable to the federal government and what they would like to accomplish with medicaid expansion.

This ahead of a trip to Washington DC to meet with HHS Secretary, Sylvia Burwell.

The governor says cost is a big concern and they are trying to work out a cap whether it be the Healthy Utah plan or another alternative to medicaid expansion.

He says in time the meetings will be open to the public.

“This is a group that is not subject to open meeting laws, so we are not violating any laws. I recognize the public's need to know and really to help support us to come together. And having the public input and understanding what we are talking about in the discussion I think is important."

The governor says the public will be provided with a forum to comment, possibly a website.

The group has a self imposed deadline of July 31, 2015 to come to an agreement. Reported by abc4 15 hours ago.

Big Business Gets A Big Win On Controversial Workplace Wellness Plans

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Businesses that want to penalize workers and their families hundreds, even thousands of dollars for not participating in workplace wellness programs may finally get clear legal authority to do so.

If so, they will have the Obama administration to thank for it.

On Thursday, the federal agency in charge of enforcing employment discrimination laws -- the Equal Employment Opportunity Commission, or EEOC -- proposed new rules for workplace wellness plans. Those are the schemes in which employees fill out questionnaires about medical conditions and lifestyle; get counseling on how to improve their health; and, in some cases, undergo testing to establish whether they are improving their health status.

The plans have become widespread, and are now offered by the vast majority of large employers. In some cases, employers offer financial incentives for participation. While those incentives can be tiny -- a gift certificate to a local store, for example, or a small annual bonus -- sometimes they are substantial, reaching well over $1,000 per employee and dependents. That’s what turned the issue into a major political fight, pitting employers against consumer advocates.

As employers see it, the schemes can save money and boost productivity by improving employee health. Participation is always voluntary, business representatives say. In addition, they note, the Affordable Care Act makes specific mention of workplace wellness plans and permits employers to offer incentives worth as much as 30 percent of health insurance premiums. In other words, a company that offered insurance for annual premiums of $5,000 per individual could offer premium discounts of up to $1,500 per employee.

Consumer groups worry about the potential of wellness plans to violate employee privacy, to expose workers with medical problems to discrimination, or to shift an ever-higher share of health insurance costs onto people with chronic conditions. Consumer groups say that the Affordable Care Act isn't supposed to supersede the Americans With Disabilities Act, which prohibits employers from asking employees to divulge medical information, except when it’s clearly related to job performance or purely voluntary. And with large financial consequences for employees who don't participate, the wellness programs are voluntary in name only, consumer advocates say.

Whether wellness plans actually make people healthier is a subject of some dispute. Employers, along with providers of wellness programs and benefits consultants, say they are making a big difference. Independent scholars who have studied the programs recently are highly skeptical.

But it was a set of legal disputes that finally put this on the agenda in Washington. A few months ago, following lawsuits against companies operating wellness plans, the EEOC announced that it would propose new guidelines to clear up the confusion over what the law actually allows. Groups representing both employers and consumers made their cases to the commission -- as well as to Congress, where the Republican majority signaled an interest in establishing business-friendly guidelines via legislation.

Business and consumer groups also lobbied the White House, which seemed similarly receptive to business concerns. One day after business executives met with President Barack Obama and raised this very issue, White House press secretary Josh Earnest told reporters that "we know that wellness programs are good for both employers and employees.” (He was careful to note that the EEOC is an independent agency.)

On Thursday, the EEOC posted its proposal -- and, on the question of financial incentives, it looks an awful lot like the standard that employers sought, with Incentives worth up to 30 percent of health insurance premiums permissible.

Among those unhappy with the announcement was Jennifer Mathis, director of programs at the Bazelon Center for Mental Health Law. She told The Huffington Post that the EEOC decision seemed like a sharp break with past rulings. “The EEOC in the past has said that for these questions to be ‘voluntary,’ you can’t impose penalties. Now they seem to be saying, 'yes you can,'” she said.

Tami Simon, managing director for Buck Consultants at Xerox and a longtime advocate for workplace wellness plans, took a very different view. In an interview, Simon said that programs are still voluntary, even if employees who decline to participate end up forgoing bonuses or paying higher premiums. “I don’t think that’s compulsory. That person still has the choice to say no.” Simon said she appreciated the EEOC clarifying the ambiguity -- and giving businesses legal room to continue operating wellness programs as they have been for the last few years.

Both Mathis and Simon cautioned that they were still reviewing the proposed regulation, which included many other features -- including some that seemed to address privacy and other concerns that consumer groups had raised. They also noted that the rule was not final. The posting, which will officially happen on Monday, commences a 60-day comment period, after which the EEOC may, in theory, modify its proposal.

But for the moment, at least, business appears to have won the most important dispute -- and consumer groups did not.

"Employers are going to be pretty happy about the proposed regulation," Seth Perretta, an employment law specialist at Groom Law Group in Washington, told Reuters’ Sharon Begley, who has been following this issue closely.

-- 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 11 hours ago.

$110,000 savings on health insurance in Harahan comes at a cost

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Harahan could save $110,000 annually if it switches the health plan it provides to city employees, and employees could see insurance take less of a bite out of their paychecks. But the new plan will cost more for employees whose... Reported by nola.com 9 hours ago.

Release of Medicaid Parity Proposed Rule Lauded as Important Step for Those with Addiction and Mental Illness

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Members of the Parity Implementation Coalition, a group of addiction and mental health consumer and provider organizations committed to the implementation of the 2008 parity law, are pleased that the Centers for Medicare and Medicaid Services (CMS) released a proposed rule applying the Paul Wellstone and Pete Domenici Mental Health Parity and Addiction Equity Act (MHPAEA) to Medicaid Managed Care plans, Alternative Benefit Plans and the Children’s Health Insurance Program.

Washington, DC (PRWEB) April 17, 2015

Members of the Parity Implementation Coalition, a group of addiction and mental health consumer and provider organizations committed to the implementation of the 2008 parity law, are pleased that the Centers for Medicare and Medicaid Services (CMS) released a proposed rule applying the Paul Wellstone and Pete Domenici Mental Health Parity and Addiction Equity Act (MHPAEA) to Medicaid Managed Care plans, Alternative Benefit Plans and the Children’s Health Insurance Program.

“It is my hope that this rule will lead to Medicaid plans coming into compliance in the same manner as commercial plans – with the same rights, benefits, and access to care. Many lessons have already been learned from the implementation of the 2013 Final Rule that we know must be applied here. There is still urgent work to be done and we have to get this right. I look forward to working with the Obama Administration to ensure parity’s full implementation,” said former Congressman Patrick Kennedy, House parity champion and internationally recognized civil and mental health rights activist.

-###-

The Parity Implementation Coalition includes the American Psychiatric Association, American Society of Addiction Medicine, Cumberland Heights, Hazelden Betty Ford Foundation, MedPro Billing, Mental Health America, National Alliance on Mental Illness, National Association of Psychiatric Health Systems, National Association of Addiction Treatment Providers, The Watershed Addiction Treatment Programs and Young People in Recovery. The organizations advanced parity legislation and implementing regulations for over fourteen years in an effort to end discrimination against individuals and families who seek services for mental health and substance use disorders and remain committed to its effective implementation. More information about the Coalition is available at http://www.parityispersonal.org.    

Andrew Sperling, Director of Federal Legislative Advocacy for the National Alliance on Mental Illness, said, “We are pleased these rules improve access to care for those with Medicaid Managed Care, the Children’s Health Insurance Program, and Alternative Benefits Plans and we hope to see the forthcoming guidance from the Administration on this important issue within 6 months.”

Mark Covall, President and CEO of the National Association of Psychiatric Health Systems, said, “We are encouraged by the release of this proposed rule and look forward to working with the Administration and health plans to ensure the significant improvements in access to mental health and addiction treatment services become a reality for individuals and families who need mental health and addiction treatment.”

The Coalition will be filing comments in response to the proposed rule by June 9th. Reported by PRWeb 7 hours ago.

Advanced Patient Advocacy Continues Community Outreach As Part of Federal Navigator Grant

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Advanced Patient Advocacy, LLC announced today that, from the beginning of the recent healthcare open enrollment period through the current Tax Season Special Enrollment Period (SEP), certified Navigators have participated in numerous outreach and enrollment events throughout the community, and additional events are scheduled before the April 30th end of the SEP.

(PRWEB) April 17, 2015

Advanced Patient Advocacy, LLC (APA) announced today that, from the beginning of the recent healthcare open enrollment period through the current Tax Season Special Enrollment Period (SEP), certified Navigators have participated in numerous outreach and enrollment events throughout the community, and additional events are scheduled before the April 30th end of the SEP.

In each of its service areas, APA’s Navigators have participated in informational and enrollment events at libraries, hospitals, community centers, churches, convention centers, college campuses, VITA (Volunteer Income Tax Assistance) sites, and elsewhere. Although the open enrollment period ended on February 15th, Navigators are still available to assist any individuals who qualify for an SEP, either due to their own changing life circumstances or under the March 15th – April 30th tax season SEP. Additionally, using an educational curriculum modeled on the federal government’s “Coverage to Care” initiative, APA is partnering with local government entities, community organizations, small businesses, and others to inform the public about how the health insurance system works and how to use their coverage.

APA was selected by CMS (Centers for Medicare & Medicaid Services) to provide free assistance through trained Navigators to the citizens of Virginia, West Virginia, Missouri, and Tennessee. Patient Navigators provide education and guidance for uninsured and underinsured citizens to assist with selecting the private healthcare plan that best meets their personal needs. The Navigators also are responsible for conducting public education activities, such as attending health fairs and other local events to raise awareness of the healthcare Marketplace and coverage opportunities. APA is uniquely qualified to assist individuals with healthcare enrollment due to its extensive experience working with hospitals and medical centers to connect patients to any coverage option that may be available to assist them with the cost of medical care.

Advanced Patient Advocacy, LLC, is a privately-owned company that provides a comprehensive suite of enrollment services to assist consumers in navigating and connecting to payer solutions, which include Medicaid, Workers Compensation, Motor Vehicle, Disability, General Liability, and State/Federal Healthcare Marketplaces.

For more information about any of these events or the Navigator program, visit http://www.EnrollAPA.com or email Amy Wight at awight(at)apallc(dot)com. You can also find us on Facebook. Reported by PRWeb 7 hours ago.

Zane Benefits Named Platinum Sponsor of Benefits Technology Summit

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Zane Benefits is honored as sponsor of Benefits Technology Summit in San Diego, California.

Salt Lake City, Utah (PRWEB) April 17, 2015

Zane Benefits, the leader in individual health insurance reimbursement for small businesses, has been named Platinum Sponsor of the 5th Annual Benefits Technology Summit Annual. The event will be held April 21-23, 2015 at the Hilton Bayfront Hotel in San Diego, California.

Paul Zane Pilzer, Zane Benefits founder, will give the keynote address. Pilzer is a social entrepreneur, healthcare economist and a New York Times best-selling author. He will address the changes taking place in the health insurance space and will speak to the evolving nature of the employer healthcare industry. He will delve into the impact on consumerism and the burgeoning “sharing economy” revolutionizing much of our daily lives.

Rick Lindquist, President and CEO of Zane Benefits will be leading an educational session on The Future of Employee Benefits, followed by an interactive book signing. Attendees interested in meeting Lindquist and receiving a copy of the book beforehand, can visit the Zane Benefits’ exhibit.

All attendees of the seminar will receive a complimentary copy of “The End of Employer-Provided Health Insurance”.

For more information visit: ZaneBenefits.com

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

###

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 http://www.zanebenefits.com.

About the Authors:

Paul Zane Pilzer is The New York Times best-selling author of 11 books, a former professor at NYU, and has served as an economist in two White House administrations. He is also the founder of six companies including the two largest U.S. suppliers of personalized employee health benefits, Extend Health (1999) and Zane Benefits (2006).

Rick Lindquist is CEO and President of Zane Benefits, Inc., the U.S. leader in individual health insurance reimbursement for small businesses. Zane Benefits’ software has been featured on the front page of The Wall Street Journal, USA Today, and The New York Times. He is a regular contributor to leading health benefits publications, including ClarifyingHealth.com.

About the Book:

The #1 Amazon best-selling The End of Employer-Provided Health Insurance is a comprehensive guide to utilizing new individual health plans to save 20 to 60 percent on health insurance. Over the next 10 years, 100 million Americans will move from employer-provided to individually purchased health insurance. Written by a world-renowned economist and New York Times best-selling author, this insightful guide explains how individual health insurance offers more to employees than employer-provided plans.

The End of Employer-Provided Health Insurance: Why It’s Good for You, Your Family, and Your Company (Wiley, 2014, ISBN: 978-1-119-01211-5, $25.00) is available at bookstores nationwide, from major online booksellers, and direct from the publisher by calling 800-225-5945. In Canada, call 800-567-4797. For more information, please visit the book’s page on http://www.wiley.com. Reported by PRWeb 2 hours ago.

Here's What Uber Is Doing For Its Very Best Drivers

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Uber is the poster child for disruption and technological innovation. Yet with a new program meant to inspire its drivers, the 6-year-old startup is deploying a pretty old-school tactic: an employee-of-the-week award for drivers.

There's a bit of a twist though -- Uber drivers aren't technically company employees.

Each week, Uber awards two drivers a Sixth Star for exceptional service. Winners get a $1,000 American Express gift card, some corporate schwag -- hat, medal of honor, etc. -- and public recognition for being awesome.

“We want to recognize service for which our five-star rating system is simply not enough,” Uber vice president David Richter told The Huffington Post in an email, referring to how the ride-share app lets customers rank drivers on a scale of one to five stars.

Marketing and management experts said the program, which was just expanded globally, has the potential to inspire drivers, and signals to customers that Uber values drivers.

“It’s a nice way to say we care about high quality and we’re working on ways to reinforce it,” said Derek Rucker, a marketing professor at Kellogg School of Management. Rucker said the program could also motivate Uber drivers to provide better service.

Yet some Uber drivers HuffPost spoke with hadn’t yet heard about the awards. A few said that adding a “sixth star” does little to alleviate problems they have with Uber’s five-star rating system, a source of anxiety.

Now valued at more than $41 billion, Uber is growing rapidly. It now operates in 300 cities across 56 countries. Slowly, Uber seems to be doing more for its growing fleet of drivers, who operate essentially as small business owners. Uber calls them "driver partners," and they don't receive benefits like health insurance, paid vacation or sick leave.

A month after starting Sixth Star this fall, the company also launched a rewards program that offers its drivers discounts on auto care and wireless services, as well as help finding health insurance. In March, the company launched an internal magazine to foster more community between drivers.

Launched in October and expanded globally last week, the Amex-sponsored program gives awards to two Uber drivers each week for exceptional service. One driver is chosen because she has the highest rating and number of trips in a given region. The other driver is nominated by an Uber passenger for doing something extraordinary. The winners rotate between six regions, in Europe, Asia/Pacific and three areas in the Americas. While the company has done things like this at the local level, the program is one of its first global marketing pushes. So far, 28 Uber drivers have won.

Edith Woodie, a driver in Atlanta, won a Sixth Star for voluntarily helping a man healing from amputation surgery do his grocery shopping inside the store, instead of just waiting for him out in the car.

Ideen Barimani, an Uber X driver in Baltimore with the highest rating on the East Coast (4.96), told HuffPost that winning a Sixth Star was a “validation” of all the hard work he puts into the job. Barimani said he pulls in anywhere from $600 to $800 a week driving his grey Toyota Corolla for around 40 to 50 hours. The 35-year-old takes Uber’s advice on customer service -- keeping his car stocked with bottled water and Starbursts, Hershey miniatures and other candies. He also provides riders with chargers for their phones. And, as a self-professed animal lover, he’s totally cool with carting around passengers’ dogs. He’s open to conversation with passengers, if desired. “If riders want to be left alone, I get the hint,” he told HuffPost.
Sixth Star winner Ideen Barimani.
Giving workers prizes for doing their jobs doesn’t always work out the way business owners and managers plan. In close-knit workplaces, employee of the month awards can sow seeds of animosity, said Kellogg’s Rucker. “You create unnecessary competition in the workplace. Someone wins and everyone else is upset.”

But Uber’s program avoids some of the classic pitfalls, said Rucker. Uber has a huge and disparate workforce. It’s unlikely the program will foment jealousy of management “favorites” or some kind of worker revolt.

“Given it’s a rare award and a big workforce, it’s more like winning the lottery than a typical award,” said Timothy Gubler, a doctoral candidate at Washington University who has researched employee awards. "People don’t feel like ‘I should’ve won the lottery,'” he said.

Uber drivers had a mixed reaction to the program. “If you give me a thousand dollars, that means I’m doing my job right,” New York Uber driver Mina Morgan said.
Sixth Star winner Edith Woodie.
Others either hadn’t heard about it yet, or were more skeptical. “The award is a marketing ploy. It isn’t going to encourage drivers to do anything they weren’t going to do,” said Casandria Harris, a driver in San Antonio. “It might encourage passengers to acknowledge drivers who go above and beyond."

Beyond the Sixth Star, drivers said the ratings system can be unfair. Ratings can drop for reasons beyond their control -- like traffic, or if Uber raises its prices because of increased demand. Driving people around at night -- when they're more likely to be inebriated -- also puts the rating at risk. Uber said its system accounts for this, and notes that the more rides drivers give, the harder it is for one bad rating to knock them back. Still, it's nerve-wracking -- if the rating drops below a certain threshold, drivers could lose their job.

Over the past year, a few Uber drivers were charged with rape and assault, and there was a big dust-up last fall over the company’s interactions with journalists. Partly due to the bad publicity, the percentage of U.S. adults who’ve actually heard of Uber grew to nearly 60 percent from about 45 percent over the past four months, according to data from market research firm YouGov BrandIndex.

One big challenge for Uber is getting more people to sign up, said YouGov CEO Ted Marzilli. He noted the brand gets very favorable ratings from those who actually use the service. A program like Sixth Star, which personalizes drivers and tells their stories, could help gain more goodwill for the brand -- though it’s still in the early stages.

Uber customers will like knowing their ratings could help their drivers, said Uber user Erin Flior, a vice president at communications firm Levick who works on digital marketing campaigns. Flior doesn’t always take the time to rate her drivers, but now that she knows something positive could come out of it, she said she’ll be doing it more often.

--Timothy Stenovec contributed reporting.

-- 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 44 minutes ago.

Under Obamacare, Competition Is Costly for Consumers

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Normally, market competition is good for consumers. More competition generally means competitors are battling each other to lower their prices and/or raise the quality of their goods. But when it comes to Obamacare, the market is working backwards, at least for people receiving health insurance subsidies through the exchanges. The [...] Reported by Forbes.com 21 minutes ago.

Under Obamacare, Competition Is Costly For Consumers

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Normally, market competition is good for consumers. More competition generally means competitors are battling each other to lower their prices and/or raise the quality of their goods. But when it comes to Obamacare, the market is working backwards, at least for people receiving health insurance subsidies through the exchanges. The more competitive the marketplace, often the more people have to pay for insurance. Reported by Forbes.com 1 day ago.

As Sudan's Leader Tightens His Rule, Poverty And Repression Create Pockets Of Dissent

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KHARTOUM, Sudan (AP) — During a quarter-century in power, President Omar al-Bashir has succeeded in keeping an iron grip on Sudan despite repeated disasters that would have toppled many leaders. This week's election seems certain to entrench his rule.

Sudan lost a third of its territory as South Sudan broke away. The country has been torn by internal wars and battered by international sanctions for alleged support of terrorism. Al-Bashir is the world's first sitting president wanted by the International Criminal Court for crimes against humanity. And poverty is a constant.

President Omar al-Bashir prepares to cast his ballot as he runs for another term in Khartoum, Sudan, April 13, 2015. (AP Photo/Mosa'ab Elshamy)Al-Bashir's success has come in part from a heavy security hand that has silenced dissent. Despairing of any vote breaking his grip, few Sudanese turned out for an election extended over four days that ended Thursday. But snapshots can be found of Sudan's dissent and discontent.

*IZBA*

The impoverished neighborhood of Izba is one sign of how constant wars have shaped Khartoum. Before the 1989 coup that brought al-Bashir to power, Izba was a small community of Arab tribesmen who settled on the capital's edge. But through the 1990s and 2000s, it ballooned with the Sudanese fleeing war zones around the country, particularly South Sudan, Darfur in the west and Kordofan on the border with the south.

Now 70,000 residents live crammed in about a square mile area. Half-naked barefoot children play in dusty, unpaved alleys between mud-brick houses.

The worst is during the summer rainy season, when the neighborhood floods. Residents scramble to scoop out rising water in their homes. The mud brick dissolves in the rain, damaging homes — last season, 250 houses were destroyed.

Sudanese boys play on a makeshift swing outside their school in Izba, April 14, 2015. (AP Photo/Mosa'ab Elshamy)Mariam al-Mahdi's five-room home was washed away in the night last year. "In the morning, the house was gone," she told The Associated Press. It's still in ruins, and the 30-year-old's family lives in a shack nearby.

Every year, residents have to rebuild their houses. Around 80 percent of residents make only around $5 a day and are unable to afford more sturdy homes. Most men work as day laborers in construction, some of the women are tea vendors in the streets. The district has suffered from years of neglect. Public transport doesn't reach it. There's a single medical clinic but no hospitals, and few people have public health insurance.

The neighborhood got its first paved road just two months before this week's election. Residents saw it as a sop from a president who has otherwise ignored them.

A Sudanese woman walks outside her home in Izba, April 14, 2015. (AP Photo/Mosa'ab Elshamy)Abdel-Motalib Abdullah, a resident who campaigned for candidates running against the ruling party in the election, drew an analogy:

"A hunter in red clothes dug a trap for an elephant. The elephant fell in the trap and got injured. Next day, the same hunter, but dressed in white, comes and treats the elephant's injury. This is what al-Bashir does to us."

*THE OPPOSITION*

At midnight on Dec. 6, security forces descended on the home of Sudan's most prominent human rights advocate, Amin Mekki Medani. He had just returned from the Ethiopian capital, Addis Ababa, where he met with opposition parties to work out their unified demands that al-Bashir postpone elections, form a unity government and amend the constitution.

The 76-year-old lawyer spent the next 15 days in solitary confinement, a small cell with no windows, a mattress on the floor and a neon light and air conditioning blasting non-stop.

"It was the most awful thing you can imagine," Medani told the AP. "For 15 days ... I never left the room, not knowing day from night."

He was charged with forming a terrorist cell. For the next four months, he was in prison as his trial went on. Then last week, the charges against him were dropped and he and two other opposition figures were freed — a goodwill gesture before the election.

Amin Mekki Medani speaks during an interview in his house, Khartoum, Sudan, April 13, 2015. (AP Photo/Mosa'ab Elshamy)Over 25 years, al-Bashir has done away with what was once a vibrant opposition. His main tool has been the powerful security establishment. At the top stands the National Intelligence and Security Services, or NISS, which monitors the press, political parties, unions and public gatherings. Recent constitution amendments gave it even more power, changing its mandate from simple information gathering to give it authority as an outright security force.

"State security is the real ruler of this country," Medani said.

Sudan saw its biggest anti-government demonstrations in September 2013. But the protests were swiftly put down by a police crackdown that killed around 200 people.

Still, Medani insists the protests signal the emergence of a young opposition that, if joined with traditional opposition parties, could force change.

"We haven't lost the spirit," he said.

*THE GHOST HOUSE*

When student activist Mohammed Salah was arrested last May, he was taken to one of Khartoum's most notorious detention centers, known as the Ghost House. There, he told the AP, he received the "reception" given to newly arrived, political detainees. Over several days, he was systematically flogged, kicked, beaten, even bitten in the cheek, all while blindfolded and handcuffed. Once, he was hit so hard he temporarily lost sight in one eye.

He was held in solitary for 60 days, removed only for interrogations sometimes lasting more than 20 hours.

Salah was arrested for leading a university protest denouncing the killing of another student. He and his colleagues demanded the removal of so-called "jihadi crews," groups of armed government supporters stationed at universities to crush any protests — one tool of the government to silence dissent.

Sudanese anti-government protesters chant slogans after the Friday noon prayer in the Omdurman district of northern Khartoum, Sudan, Sept. 27, 2013. (AP Photo/Khalil Hamra)Human rights groups have frequently denounced Sudan's use of torture. Amnesty International in a report last month pointed to arrests of students, activists, rights workers and journalists from 2012-2014, some of whom faced torture and other abuses.

The arrest — and an earlier one also over protests — gave Saleh an experience in the ways of torture.

"The main concept is humiliation," he said. Detention, he said, aims to instill fear in the detainee by controlling and isolating him.

"In the end, I keep this in my mind," Salah said. "The death of an individual will not kill the cause."

*THE NEWSPAPER EDITOR*

When the weekly newspaper Al-Midan ran a statement by a rebel group supporting protesters demanding better services, authorities quickly confiscated the edition. The paper's chief editor, Madeha Abdullah, was hauled before prosecutors and charged with "attempting to topple the constitutional system"— a crime punishable by death.

When she heard the charges, "the prosecutor wondered why I was so cool," Abdullah recalled.

Madeha Abdullah, chief editor of al-Midan weekly, poses for a portrait during an interview in her office, in Khartoum, Sudan, April 12, 2015. (AP Photo/Mosa'ab Elshamy)Probably because it was nothing new for Sudan's journalists. Newspapers are heavily censored, and editions are often pulled from the shelves after publication. On Feb. 14 alone, more than 15 different papers had that day's edition confiscated. Journalists never know the reason as the measures are taken without written orders.

Abdullah said security authorities instruct editors over the phone on topics to avoid — the International Criminal Court, the conflict in Darfur, economic problems or corruption. Editors who don't comply are summoned for prosecution.

From 2011 to 2013, Al-Midan —which is connected to Sudan's Communist Party — was censored or banned nearly every week, though it was still able to appear on line.

Stacks of al-Midan that were confiscated by the Sudanese security apparatus lie in the basement of the headquarters of the paper, in Khartoum, Sudan, April 12, 2015. (AP Photo/Mosa'ab Elshamy)Abdullah said the stress of being banned and censored is even worse than prosecution. "We keep working. We send the paper to the print house. They stop the publication," she said. Her case has not been sent to trial and she suspects the charges will not be pursued — just left open to use against her later if needed.

The government also uses its monopoly over advertising to put a financial squeeze on papers.

"They wage different wars," Abdullah said. "There is direct war through confiscation and censorship. There is an indirect siege on the paper's resources."

-- 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 1 day ago.

Financial risks in your fifties

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*Financial risks in your fifties*

People in their 50s are beginning to recognize the reality of retirement. You’re part of the sandwich generation; your parents provide a preview of one future scenario as your kids’ costs cut into your retirement portfolio. It’s a tough balancing act, which is why it’s the time to get serious about putting your finances in order.

Here are three wake-up calls—and some steps you can take.

*For more information on this subject, read Financial Planning in Your Fifties.*

*You have to support mom and dad. *What you don’t know about your parents’ financial affairs can cost you. There may be an emergency that forces you to scramble to respond—and pay their bills from your savings. Even when there isn’t a crisis, knowing their financial situation gives you options about organizing your own savings strategy to include them.

*Action: *AARP has a list of questions to ask your parents and helpful suggestions about how to raise the topic in its online article “35 Questions to Ask Your Aging Parents.” Other questions to ask:

· Do your parents have sufficient savings to afford the lifestyle and medical choices they’ll need to make as they age? 
· Are they still paying a mortgage? 
· What does their health insurance cover? 
· Do you know their health plans and preferences? Find out the names of the important people in their lives: their doctors, lawyer, financial adviser, faith leader, and friends and neighbors to call on for help.

*Your term life insurance runs out. *Many people take out just enough insurance to cover their kids’ college education. If you bought a 20-year policy in your late 30s, coverage will conclude in your late 50s. But before letting the policy lapse, look ahead to your retirement accounts. “If the bigger earner dies, the life insurance can replace that income for the surviving spouse,” points out John DiMatteo, a financial planner with the DiMatteo Group in Shelton, Conn.

*Action: *Consider extending your policy while it’s still active. “It’s best to be sure to match the term of the policy with the need in the first place, but we often see people underestimate the term and then need to replace it,” DiMatteo says. “In that case, it is always better to do it sooner rather than later.” 

*Your medical costs spiral. *Because so many of us have an increased understanding of the importance of a good diet, regular exercise, and a healthier lifestyle, 50 has been called the new 40. That’s the good news. The bad news is that increased longevity ups the risk of debilitating and costly conditions that can cripple your lifestyle and sap your savings.

*Action: *If you generally enjoy good health, consider switching to a high-deductible insurance plan. (The popular Silver plans sold on health insurance marketplaces in 2014 had an average deductible of about $2,900.) Sock away the money saved on the lower premiums in a health- spending account (HSA). Contributions are tax-deductible, and you can withdraw money tax-free for qualified medical expenses, such as deductibles, co-pays, hearing aids, and eyeglasses. Best of all, the money in an HSA is yours to keep forever.

Your first line of protection, however, is improving your fitness. The dividend of good health pays off for decades by giving you less expensive insurance options and the energy to keep working, if you choose. “Your 50s are the time to get disciplined about getting in shape,” says Rick Kahler, founder of the Kahler Financial Group in Rapid City, S.D. Join a health club and consult with a trainer to create a fitness regimen that’s right for you. Check the fine print of your health-insurance policy for gym reimbursements; many reimburse you up to $400 per year if you go to a gym at least 50 times every six months.

—Catherine Fredman

A version of this article previously appeared in the April 2015 Consumer Reports Money Adviser.

*Consumer Reports has no relationship with any advertisers on this website. Copyright © 2006-2015 Consumers Union of U.S.*

*Subscribe now!*
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    Reported by Consumer Reports 20 hours ago.

Pet Insurance in the US Industry Market Research Report from IBISWorld Has Been Updated

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Rising costs of veterinary care and mounting consumer awareness of industry offerings have led to growth in sales of pet insurance. For this reason, industry research firm IBISWorld has updated a report on the Pet Insurance industry in its growing industry report collection.

(PRWEB) April 17, 2015

Despite accounting for only a marginal portion of the broader Property, Casualty and Direct Insurance industry, rapidly increasing consumer awareness and acceptance of industry offerings has benefited the Pet Insurance industry substantially over the five-year period. According to the latest available data from the Department of Clinical Veterinary Science and the Pet Food Institute, 30.0% of pets in Sweden and 23.0% of pets in the United Kingdom are covered by pet insurance policies. Alternatively, only 1.0% of domestic pets are insured; yet, this figure continues to rise and will provide the basis for sustained industry growth. More specifically, over the five years to 2015, industry revenue is anticipated to rise at an annualized rate of 10.9% to reach $721.0 million; this growth includes an expected 12.6% increase in revenue in 2015 alone.

According to IBISWorld Industry Analyst Stephen Hoopes, “Pet insurers largely face the same regulatory trends as their broader property and casualty counterparts, given that pets are considered property in the view of government regulators. However, pet insurance risks and trends tend to be more similar to the health insurance market.” For example, the cost of obtaining treatment in both markets has consistently increased at a faster pace than inflation. For veterinary costs in particular, expenditures have risen due to both advancements in medicine and increased utilization of care. According to industry operator Trupanion, more expensive and sophisticated treatments are gaining acceptance, including radiation therapy, CT scans, transplants and chemotherapy. “The trend toward more sophisticated veterinary treatments has increased the financial incentive for pet owners to take out industry coverage,” says Hoopes. “At the same time, extensive marketing efforts have expanded consumer awareness of pet insurance policy options.”

Over the five years to 2020, industry revenue is forecast to continue growing. Key fundamental and demographic variables underlying the industry's performance are anticipated to improve in the years ahead. For example, the number of pets is anticipated to rise, while homeownership rates are forecast to rebound from consistent decreases in recent years. Yet, the industry's market share concentration is anticipated to continue rising over the five years to 2020, as mounting consumer acceptance of industry offerings is expected to benefit well-branded insurers more than their smaller counterparts.

For more information, visit IBISWorld’s Pet Insurance in the US industry report page.

Follow IBISWorld on Twitter: https://twitter.com/#!/IBISWorld
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IBISWorld industry Report Key Topics

This industry underwrites insurance policies for pets and pays veterinary costs related to illness or injury.

Industry Performance
Executive Summary
Key External Drivers
Current Performance
Industry Outlook
Industry Life Cycle
Products & Markets
Supply Chain
Products & Services
Major Markets
Globalization & Trade
Business Locations
Competitive Landscape
Market Share Concentration
Key Success Factors
Cost Structure Benchmarks
Barriers to Entry
Major Companies
Operating Conditions
Capital Intensity
Key Statistics
Industry Data
Annual Change
Key Ratios

About IBISWorld Inc.
Recognized as the nation’s most trusted independent source of industry and market research, IBISWorld offers a comprehensive database of unique information and analysis on every US industry. With an extensive online portfolio, valued for its depth and scope, the company equips clients with the insight necessary to make better business decisions. Headquartered in Los Angeles, IBISWorld serves a range of business, professional service and government organizations through more than 10 locations worldwide. For more information, visit http://www.ibisworld.com or call 1-800-330-3772. Reported by PRWeb 22 hours ago.
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