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Coronavirus Considerations – Underwriting in a Changing Self-Funded Risk Landscape

By: Mark Lawrence May 12, 2020

I have a confession to make. As I watched the Coronavirus pandemic spread throughout the world and into the United States in late January and February, I was openly derisive about the potential impacts. I was convinced this would just be another flu (don’t we have one of those already), and this would not likely be a significant concern, both from a risk/loss perspective and from a societal impact standpoint. It’s a good thing I learned an important lesson a long time ago: be humble in defeat. 

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Do Your Part to Recognize and Report Health Care Fraud

By: Cathy Safran March 24, 2020

Health care claims are more expensive than ever (many exceeding $1 million). In this industry, we frequently see the impact catastrophic claims could have, and it’s our job to help protect our clients’ financial stability should they face them. To make matters worse, some statistics I have heard in training seminars show that up to 10 cents of every dollar spent on health care goes toward paying for fraudulent health care claims.

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Don’t Doubt the Expense of Gout

By: Jamie Holowka February 5, 2020
We’ve all heard about gout. It’s that sharp, hot pain and swelling that most commonly afflicts the big toe. One of the world’s oldest recognized diseases, gout was first identified by the Egyptians in 2640 BC and has been viewed as a lifestyle disease of the rich and affluent, primarily because of its connection to certain more expensive dietary habits. This “disease of kings” has been problematic for ages, with little change in the treatment options that first were identified thousands of years back – until a few years ago.
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A Cloud of Uncertainty Hangs over Claims Tied to Vaping

By: Dom Palmieri January 15, 2020
The news is full of stories about health-related vaping incidents. At this point, medical professionals haven’t even determined all the ways in which e-cigarettes can injure the human body – and vaping was initially promoted (somewhat innocently) as “an alternative to cigarettes.” But there have been issues ranging from breathing challenges to lengthy hospital stays for life-threatening lung conditions to a shocking number of deaths now being tied to the ingredients in vaping products.
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Roses May Have Thorns, but a Rose Is Still a Rose

By: Greg Sullivan December 10, 2019
A few weeks ago, my wife and I attended the Rose Ball, an annual fundraising event for the Connecticut chapter of the Cystic Fibrosis (CF) Foundation. The name of the event honors the story of a young boy who, after hearing the name of his disease for the first time, pronounced it “65 Roses,” which started a tradition among children in the CF community and ties the work of the CF Foundation to the rose, which they note is an ancient symbol of love. This was our fifth or sixth Rose Ball, but we’ve been supporting the organization in various ways for many years. Each time we attend the ball, we get asked the same question: What is your connection to Cystic Fibrosis? Do you have a child or a close relative with CF? Why do you support the cause? The answer is complicated.
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