2013년 11월 29일 금요일

About 'home health care employment'|Harassment Tolerated Against Home Health Care Workers, EEOC Alleges







About 'home health care employment'|Harassment Tolerated Against Home Health Care Workers, EEOC Alleges








UPDATED               INFORMATION               AS               OF               2/3/2011               Early               retirement,               considered               to               be               between               the               ages               of               55               and               64,               has               its               own               set               of               issues               to               deal               with               regarding               health               insurance               coverage.

New               measures               enacted               through               the               Affordable               Care               Act               (ACA)               and               signed               into               law               last               year               will               eliminate               a               lot               of               these               concerns               and               ease               people               into               retirement               with               secure               options,               at               least               until               the               law               sunsets               on               January               1st,               2014.

On               May               5,               2010,               HHS               released               an               Interim               Final               Rule               referred               to               as               the               Early               Retiree               Reinsurance               Program               (ERRP)               that               will               directly               address               retiree               issues               related               to               health               care               coverage.
               Early               retirement               is               often               forced               upon               this               aging               population               due               to               illnesses               that               stem               from               chronic               diseases.

Prior               to               the               enactment               of               ERRP               most               early               retirees               could               only               look               towards               COBRA               (Consolidated               Omnibus               Budget               Reconciliation               Act)               for               reasonably               priced,               post-employment               health               care               coverage.

If               you               are               dismissed               from               your               job               for               other               than               gross               misconduct,               or               if               your               work               hours               are               reduced               to               the               point               that               you               are               no               longer               eligible               for               coverage,               COBRA               health               benefit               provisions               are               available               to               you.
               COBRA               is               the               governmentfunded               health               insurance               for               people               who               are               laid               off,               allowing               them               to               access               health               insurance               for               themselves               and               their               dependents               when               they               have               lost               their               company-provided               insurance,               at               affordable               rates,               for               at               least               18               months.

Apart               from               this,               your               only               option               becomes               to               find               health               insurance               on               your               own               in               the               private               market;               an               option               that               has               been               fraught               with               headaches               for               early               retirees               -               until               recent               health               care               reform               was               passed.
               This               age               group               is               more               likely               than               others               to               have               some               pre-existing               health               condition               that,               prior               to               the               passage               of               the               ACA,               would               most               likely               remove               them               from               coverage               consideration               by               the               private               sector.

The               new               requirements               for               private               insurers               no               longer               permits               this               type               of               discrimination               nor               will               they               be               allowed               to               increase               premiums               for               any               policy               holder               they               have               if               they               become               sick               under               the               coverage               they               initially               signed               up               for.
               Another               problem               that               has               plagued               early               retirees               is               their               loss               of               health               care               coverage               as               a               result               of               vanishing               retirement               packages               that               companies               have               traditionally               offered               their               employees.

Large               firms               (200+               employees)               saw               a               drop               of               12%               from               1991               to               2001               and               smaller               companies               (3-199)               saw               a               drop               of               6%               according               to               a               study               done               with               the               data               from               the               Kaiser/HRET               survey               of               human               resource               and               benefits               managers               in               public               and               private-sector               organizations.

New               proposals               under               the               health               care               reform               bill               allow               federal               assistance               to               relieve               this               loss               of               coverage               resulting               from               diminishing               employer-funded               retirement               programs.
               With               the               new               ERRP               guidelines,               those               retirees               55               or               older,               along               with               eligible               spouses,               surviving               spouses,               and               dependents               of               such               retirees               and               who               are               not               eligible               for               Medicaid,               may               me               eligible               for               this               coverage               if               one               or               more               of               their               employers               have               opted               to               participate               in               this               program.

A               current               list               of               these               participating               employers,               which               is               up-dated               monthly,               can               be               found               at               the               healthcare.gov               website               here.

The               program               is               aimed               at               providing               health               care               coverage               for               those               with               chronic               and               high-cost               conditions,               health               issues               that               would               likely               not               be               covered               in               basic               plans.

Regardless               if               your               were               employed               by               a               private               employer,               state               or               local               government,               educational               institutions,               unions               or               non-profits,               ERRP               will               cover               you               if               your               employer               has               applied               for               this               assistance.
               It               should               be               clear               that               this               is               coverage               that               retirees               themselves               cannot               apply               fore.

It               has               to               a               part               of               an               employer-based               program               that               the               retirees               works               through,               with               all               claims               being               processed               through               the               Health               and               Human               Services               Department.

To               be               eligible               the               claim               must               not               be               less               than               $15,000               nor               greater               than               $90,000.

These               amounts               also               reflect               any               out-of-pocket               expenses               by               the               retiree               or               his               family.

The               plan               pays               80%               of               these               costs               so               if               the               retiree               can               afford               it,               a               good               supplemental               plan               to               allay               the               remaining               20%               should               be               considered
               Once               the               provisions               of               ERRP               have               expired               on               1/1/2014               further               relief               will               come               in               the               form               of               an               "exchange               pool"               that               will               be               implemented               under               federal               guidelines.

Though               they               have               been               available               to               retirees               6               months               after               the               original               health               care               reform               bill               passed               in               March,               2010               they               become               open               to               all               who               voluntarily               seek               them               after               January               1,               2014.

This               exchange               pool               is               a               collection               of               private               sector               companies               that               will               compete               with               each               other               to               offer               a               variety               of               plans               with               premium               rates               and               deductibles               that               suit               the               individual               consumer.
               Further               assistance               is               available               for               those               whose               resources               are               scarce               paying               for               long-term               health               care               through               federally               funded               Consumer               Assistance               Programs(CAPs).

Only               40               states               have               applied               for               this               assistance               however               so               check               this               site               here               to               see               if               your               state               is               a               participating               member.
               Finally,               along               with               the               general               population,               early               retirees               will               not               only               benefit               from               those               parts               of               the               bill               that               address               their               needs               but               will               also               share               reduced               costs               that               come               from               the               bill's               efforts               to               streamline               paperwork,               utilizing               easy-to-read               forms               and               processing               it               all               in               rapidly               available,               computerized               medical               records               for               doctors               and               nurses.

Stuck               in               limbo               for               too               long,               early               retirees               can               now               find               some               relief               through               these               new               measures.

With               incomes               insufficient               to               buy               practical               and               cost-effective               policies,               most               retirees               will               no               longer               have               to               face               purchasing               low-cost               policies               that               have               limited               coverage               and               high               deductibles               or               being               forced               to               go               without               altogether.
               Preventive               care               measures               are               also               a               part               of               the               new               health               care               reform.

Though               this               55-64               age               group               is               most               likely               to               have               undergone               some               health               treatments               for               illnesses               or               physical               damage               earlier               in               life,               many               are               relatively               healthy               and               fit               currently,               needing               only               encouragement               to               practice               preventative               health               measures               to               maintain               these               conditions.

The               new               reform               will               cover               some               of               those               costs               associated               with               preventive               services.

Health               maintenance               is               an               assurance               that               more               serious               and               costly               potential               health               care               issues               will               be               kept               in               check               as               we               age.
               One               of               the               hallmark's               of               the               Affordable               Care               Act               is               the               Community               Living               Assistance               Services               and               Supports               (CLASS)               Act,               the               pet               project               of               the               late               Senator               Edward               Kennedy.

Early               retirement               due               to               ill-health               often               carries               over               to               expensive               long-term               health               care               that               has               limited               coverage               under               Medicaid,               Medicare               and               standard               private               health               care               insurance               policies.

McKnight's               Long-Term               Care               News,               a               business               news               magazine               serving               the               institutional               long-term               care               field,               reported               that               the               CLASS               Act               offers               some               relief               by               creating               a               voluntary               long-term               care               insurance               program               that               will               help               defray               some               of               the               costs               of               those               who               currently               use               this               limited               coverage               under               Medicaid.
               The               current               costs               of               private               sector               long-term               health               care               coverage               are               out               of               reach               for               the               average               American.

The               costs               increase               dramatically               if               you               have               to               be               put               in               a               nursing               home               facility.
               In               a               2010               issue               of               AARP               magazine               (March               /April),               an               article               by               Mary               A.

Fischer               pointed               out               that               long-term               health               care               requiring               a               stay               in               nursing               homes               averaged               "2.5               years               and               costs               about               $175,000.

In               2008,               the               most               recent               year               for               which               numbers               are               available,               9               million               older               people               required               long-term               care.

That               number               is               expected               to               reach               12               million               by               2020               as               the               boomer               population               ages.

Currently,               only               about               8               million               Americans               have               private               long-term-care               insurance,               leaving               the               government               to               underwrite               care               at               an               enormous               cost               to               taxpayers."
               Stay               in               touch               with               what's               new               in               health               care               reform               and               available               to               you               through               programs               that               have               arisen               through               ARA               legislation               by               visiting               the               healthcare.gov               website               routinely.

Get               involved               too               by               making               your               state               and               federal               legislators               know               how               you               feel               about               their               efforts               to               strengthen               or               weaken               these               provisions.

Right               now               the               GOP               in               both               houses               of               Congress               are               trying               to               eliminate               all               of               the               benefits               that               retirees,               seniors               and               young               at-risk               adults               currently               have               under               this               bill               without               any               plans               to               offer               a               suitable               alternative.
               reposted               from               my               blog               at               woodgatesview
               RESOURCES:
               Bricker               and               Eckler               Legal               website
               healthcare.gov






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