Media Center

Health Care Exchanges: Avoiding the Pitfalls in Employee Communications

oswaldcompanies

Earlier this month, the State of Ohio Department of Insurance released information on the pricing of the proposed rates for the 14 companies that have filed for the 2014 Federal Exchange in Ohio. It states that “insurers expect the cost to cover health care expenses for consumers will significantly increase.”…

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EEOC and Genetic Discrimination: Employers Take Note

oswaldcompanies

While it has received little press to this point, it is important to note that the Strategic Enforcement Plan that the U.S. Equal Opportunity Commission (EEOC) approved on December 17, 2012, will have an effect on how you conduct business. Why is this important news today? Results of this ‘plan’…

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User Risks Suggest Social Media Is Not So “Friend-ly”

oswaldcompanies

Would you give a complete stranger the keys to your home or office? Probably not. Yet that’s exactly what occurs when you or a family member log onto a social media site like Facebook, or one of the popular “check-in” sites, without taking adequate steps to guard your privacy. Those…

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Cyber Attacks and Liability: An International Threat

Kim Ferenchak

The Internet has fundamentally changed the cyber liability landscape in that it is both global and borderless.   According to the Verizon 2013 Data Breach Investigation Report, 38% of security breaches hit larger organizations with 20% involving the manufacturing and transportation industries. The report cited that most breaches involve “stolen…

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Onsite Health Clinics: Exploring the Advantages

oswaldcompanies

Onsite Health Clinics are not just for the jumbo employers any more. Anticipating shortages in primary care, and frustrated with the cost and quality of care available, companies of all sizes are taking primary care in-house. Employers are also expanding the scope of their clinic services, finding many ways to…

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Parents: Recognize The Risks of Teenagers, Parties and Alcohol

Kimberly Lucarelli

If you have teenagers, or will soon, don’t ever assume … … they’ll never invite friends over when you’re away. Or that their friends will never bring alcohol into your home. Teens thrive on friendships and weekend parties, but long gone are the days when teens planned those parties during…

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Growing Public Resentment of Wealth Creates Disturbing Trend

Kimberly Lucarelli

If you are professionally successful, financially comfortable, own a nice home in an “upscale” zip code, there’s a growing threat you could become the target of a high-stakes lawsuit … simply because of your status. That’s the conclusion of a recent national survey sponsored by ACE Private Risk Services among…

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What Are We Exchanging in a Health Insurance Exchange?

oswaldcompanies

With every paradigm shift, disruptions occur. We are in the midst of employee benefit landscape changes so vast that they rival the passage of ERISA in 1974. Simultaneous with PPACA provisions that affect employers (the tip of the iceberg), there is a massive restructuring of the U.S. healthcare system (the…

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Medical Device Product Liability Claim Management

oswaldcompanies

Controlling the cost of claims is one of the pillars of our service. Our “edge” is our ability to prepare the claim properly for presentation to the carrier.  Understanding exactly what your policy coverage will respond to is most important at a time of loss.  You have paid the premium…

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Successful Outcomes of Employing Enterprise Risk Management (ERM)

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It is important to align an organization’s appetite for risk and strategic initiatives.  Incorporating risk planning into your company’s overall strategic plan allows it to react quickly and more efficiently in creating solutions to problems. C-Suite level executives do not like surprises.  ERM reduces the likelihood of surprises and unfunded…

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