by CDA Inc | Apr 30, 2015 | Insurance, Risk Management
Personal risk management review: identifying areas of possible loss and making decisions that will produce the greatest chance of successful outcomes. Following are four losses that we must all face, ways to address these losses and decisions we will need to make to...
by CDA Inc | Apr 28, 2015 | Insurance, Long Term Care, Risk Management
Friday I went to my annual physical exam and was asked to pay a copay for the visit. I am a non-confrontational person, but for once I spoke out. I took a deep breath and asked, “So when do I get my free ‘routine physical exam’ as promised through the...
by CDA Inc | Apr 23, 2015 | Insurance, Long Term Care, Risk Management
Many years ago a woman I knew discovered she had cancer while she was pregnant. When the baby was delivered his cancer was immediately detected and his treatment was scheduled at a specialty hospital many states away. So the whole family picked up and moved out of...
by CDA Inc | Apr 21, 2015 | Insurance, Long Term Care, Risk Management
In Holland if an individual dies without direct heirs (children, grandchildren, great grandchildren) assets are taken by the state. Costs of the social welfare state are high so this is one way to help cover some of those expenses. I had an aunt who was widowed and...
by CDA Inc | Apr 16, 2015 | Insurance
Insurance is fundamentally a sharing of risk and, while you may not have had a bad claim year, someone in your risk pool did. Another factor in setting premiums is the increasing cost of care particularly in the area of prescription drugs. Additionally, since 2012 new...
