Controlling characteristics of group insureds: risk rating

Article Abstract:

The risk rating used by employers in group health and life insurance plans may be in violation of the Americans with Disabilities Act of 1992 (ADA) as well as rendered obsolete by progress in medical science. Employers using this technique focus on changing employee health habits through wellness programs and choosing employees with health charcteristics that conform to the employers requirements. However, 21 states have laws which prohibit employers from discriminating against prospective employees who have certain health profiles. In addition, some cases may result in lawsuits under ADA.

Life insurance, Accident and health insurance, Interpretation and construction, Insurance law

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Benefits sought by the employed care giver

Article Abstract:

An increasing number of employees give care and assistance to elderly family members. Time spent for this activity is like a second job. Care giving results in lost time due to phone calls and lack of interest in added work demands like overtime. The employees' potential need for care giving to family members should always be realized by the employers. A viable labor force is possible if employers support their care giving employees.

Care and treatment, Aged, Elderly, Compensation and benefits, Caregivers

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