by CDA Inc | May 14, 2015 | Risk Management
Rather than buying me gifts this year my daughter has decided to start giving me “experiences”. My translation of that is that she has figured out how much more I enjoy her company than any purchase she could make for me. My Christmas gift was an evening at a...
by CDA Inc | May 12, 2015 | Insurance, Risk Management
Many employers have dropped their group medical insurance policies and others are assessing whether to join the movement. Consider that premiums for individual policies continue to be less than those of comparable group medical plans. Consider also that employers are...
by CDA Inc | May 8, 2015 | Individual
As any die-hard fisherman will tell you, there’s no set limit to the number of fishing poles and fishing lures that are absolutely necessary. Right now, it’s early May in Georgia, and that means only one thing to freshwater anglers. The next half dozen or so weekends...
by CDA Inc | May 7, 2015 | Insurance, Risk Management
Recently a well-informed client of ours expressed surprise when a person she knew could not make a change in her individual health insurance plan when she wanted to. Our client works very hard to stay current with regulatory changes in her role as a Human...
by CDA Inc | May 5, 2015 | Risk Management
With multiple days of television coverage it was hard not to watch the media-fest that was the player selection for one of our favorite national sports. I am always interested to see where the athletes I saw on the Combine coverage ended up (and yes, I watched several...
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...
