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The Million Dollar Cure: How Employers Can Prepare for the Rise of Gene Therapies

Gene and cell therapies offer the potential to transform the treatment pathway for patients with some of the most debilitating conditions. However, with costs routinely exceeding $1 million per treatment, these therapies can create a significant financial burden for employers. Spark Therapeutics’ Luxturna, a therapy for vision loss, costs $425,000…

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Artificial Intelligence is Gaining Traction in the Workplace, but it has Drawbacks. Protect Your Workforce and Your Bottom Line

Artificial intelligence is transforming the modern workplace by automating tasks, enhancing decision-making, and increasing efficiency. But like any powerful tool, AI comes with pros and cons. As companies race to integrate AI into their operations, they must consider the impact of possible data breaches, algorithmic bias and system failures, to…

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Today’s Cyber Fraud Scams: What You Need to Know

Cybercriminals are becoming more strategic, targeting individuals and organizations through deception, financial manipulation, and social engineering. From business email compromise to AI-generated impersonation, today’s scams are more sophisticated, more convincing and more damaging than ever. These attacks exploit personal data, workplace systems and everyday routines, creating serious vulnerabilities across teams…

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Supply Chain Risk and Business Interruption Insurance

Innovate your approach to mitigating supply chain risk Supply chains are facing myriad challenges in today’s dynamic global market. And any disruptions to these complex networks can be more than a temporary inconvenience for manufacturers, they can be a serious financial threat. Disruptions from natural disasters and labor strikes at…

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Managing Musculoskeletal Disorders in the Workplace 

A growing category of complex health conditions is contributing to high-cost claims, alongside established drivers such as cardiovascular disease and cancer.  Musculoskeletal disorders (MSK), conditions that affect muscles, bones, tendons, joints, ligaments, cartilage and spinal discs, have become increasingly common, affecting 127.4 million people in the U.S., research shows.    The…

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Health Benefits Renewal Planning: How to Navigate the Current Disruption and Volatility

As business owners and executives approach their health benefits renewal period, there is no escape from the uncertainty in the health insurance market. Several of the largest insurers in the U.S. have withdrawn or reduced their earnings guidance for 2025 after underestimating trends in medical care.   Given the unpredictability in…

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Fire Safety: How to Protect Your Home and Business

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Smoke alarms play a crucial role in safeguarding our homes and workplaces. Around 60% of fire-related fatalities occur in homes with either no smoke alarms or no working smoke alarms present. Their importance is the focus of this year’s Fire Prevention Week, observed Oct. 6-12, “Smoke Alarms: Make Them Work…

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How Oswald’s Lean Approach Delivers Cost Savings and Improved Health Outcomes in Employee Benefits

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It is no secret that the U.S. spends an astonishing amount on medical care. In 2023, the average health spend per person in the U.S. was $13,432, which was $3,700 more than the average spend in other similar countries, according to the KFF-Peterson Health System Tracker.   The problems facing the…

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Fire Doors: Critical Protections – but some maintenance required

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In 2022, a child’s life was saved simply because a door was shut when a fire broke out, giving rescue teams time to reach him. Closed doors block fire and smoke and can stop the flow of oxygen, which fuels a fire. For those reasons, maintaining fire doors to keep…

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The Growing Role of Biosimilars: Lowering Costs, Transforming Pharmacy

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The next big disruptor in health and wellness may not be a new drug, but rather, a smarter version of one.   Biosimilars are reshaping the way we think about cost, access and innovation in medicine. Biosimilars are medications that are highly similar to biologic drugs that have been approved by…

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