Tag: David M. Kulawiak
When Words Become Weapons
“Sticks and stones may break my bones, but names will never hurt me.” The old schoolyard rhyme isn’t true—mis-used words CAN hurt you!
Why Stress is an Employer’s Problem
Short-lived or infrequent episodes of stress pose little risk. But when stressful situations go unresolved, the body is kept in a constant state of activation, which increases the rate of wear and tear to biological systems. Ultimately, fatigue or damage results, and the ability of the body to repair and defend itself can become seriously compromised. As a result, the risk of injury or disease escalates.—NIOSH
A Bitter Pill: The High Cost of Specialty Drugs
The good news: Pharmaceutical companies are developing a range of drugs to treat diseases that are chronic and/or rare. The bad news: Their high (some might say outrageous) cost.
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Not Your Grandfather’s Life Insurance Policy
Traditional permanent life insurance policies provide death benefits and a savings feature. Other types of life insurance also do that, and more.
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Employee or Independent Contractor…and Why You Need to Know
Earlier this year, a court ruled that Federal Express drivers should have been classified as employees, when the company had classified them as independent contractors. And the U.S. Department of Labor announced that a five-year investigation in Utah and Arizona yielded $700,000 in back wages, damages, penalties and other guarantees for more than 1,000 construction industry workers.
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Title VII Nondiscrimination Protections Apply to LGBTQ Individuals
The EEOC has concluded “sexual orientation is inherently a ‘sex-based consideration’ and an allegation of discrimination based on sexual orientation is necessarily an allegation of sex discrimination under Title VII.” Translation: Title VII nondiscrimination protections apply to people who identify as lesbian, gay, bisexual, transgender and queer. Continue reading “Title VII Nondiscrimination Protections Apply to LGBTQ Individuals”
The Insurance Formerly Known As Boiler and Machinery
If you’ve been in business a while, you might have heard the phrase “boiler and machinery insurance.” However, today’s policies do much more than cover boilers and machinery, hence the name change. Read on to learn more about this valuable coverage. Continue reading “The Insurance Formerly Known As Boiler and Machinery”
How to Locate a Missing Life Insurance Policy
Maybe you’ve been named executor of the estate of your very wealthy but very disorganized uncle. Or maybe your relative’s valuable papers have been destroyed or lost in a fire, flood or move. In either case, you know a life insurance policy exists somewhere but you can’t find it. What can you do?
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