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It's no secret that the world of work can be dangerous. Every day, workers are injured on the job, and in some cases, these injuries can be quite serious. If you're unfortunate enough to find yourself in this situation, it's important to know what steps to take to get the medical care you need. There are several ways to get proper medical aid if you're injured at work, and each option has its own set of benefits and drawbacks. HEALTH INSURANCE If your employer offers health insurance, this will likely be your first port of call when seeking medical care after a workplace injury. The main benefit of using your employer's insurance is that it will usually cover the majority of your medical expenses. However, there are some drawbacks to this option. First, your employer's insurance may only cover treatment from specific doctors or hospitals. This can make it difficult to get the care you need on time. Second, your employer's insurance may not cover all of the costs associated with your injury, leaving you with a hefty bill. Very often, workers consider obtaining private insurance, especially if they're working as ex-pats or freelancers. It is good to note that in these cases, private insurance would then be used in combination with their employer's insurance, giving them a greater degree of coverage. However, even if you're only insuring yourself, this insurance can be beneficial because you'll be able to choose your doctor, and you may have a greater range of coverage.

You work hard for your money, so you should make sure that when something terrible happens - like a car accident or a fire in your home - you're fully compensated. That's where insurance comes in. But sometimes, the premiums for good coverage can be expensive. So how do you get the best deal on insurance without compromising your peace of mind? It all starts with knowing how to haggle. Insurance companies are always looking for new customers and want to make as much profit as possible on each one. That means they're often willing to negotiate on price. But you have to know what to say and how to say it. Here are a few tips. DEFINE WHAT YOU WANT IN MIND The first step is to understand what you want from your insurance policy. What kind of coverage do you need? How much are you willing to pay? When you know the answers to these questions, it's easier to start negotiating with insurers. This precise information will also help you during the application process. Many insurance companies will ask you questions about your needs. The more specific you can be, the better your chance of getting a policy that meets your needs without breaking your budget.

Navigating the complex world of medical insurance can often feel overwhelming, with a myriad of plans, coverage options, and terminologies to understand. However, being well-informed about medical insurance is crucial to making educated decisions that ensure you and your loved ones are adequately protected in times of health emergencies. This blog aims to demystify some of the essential aspects of medical insurance, providing you with 6 crucial pieces of information that everyone should know. Whether you're purchasing your first policy or looking to better understand your current plan, this guide is designed to empower you with the knowledge needed to make informed choices about your healthcare coverage. Expat Options For expatriates living and working away from their home countries, having reliable medical insurance is not just important-it's essential. Navigating healthcare systems in a foreign country can be daunting, and without proper coverage, the financial implications of medical emergencies can be severe. For example, in Dubai medical insurance for your wife's dependents is mandatory, and in the United States, medical bills can easily rack up into the thousands for even minor treatments. Therefore, expats should research their options carefully and ensure that they have comprehensive coverage that meets their specific needs.

Overland Optical Family Eye Care and/or our doctors are providers on virtually all medical and vision insurance plans. We want to help you receive the most out of your insurance benefits, which is why we will gladly file your insurance claim for you if we have been provided with all of your insurance information.

The Royal College of General Practitioners (RCGP) has raised 'serious concerns' about the impact of the increase in National Insurance on GP practices, and is calling for adequate funding to cover these additional costs. In the 2024 Budget of the new Labour government, the rate of employer National Insurance Contributions (NICs) was raised by 1.2 percentage points to 15%, effective from 6 April 2025. The per-employee threshold at which employers start paying NICs was also reduced from £9,100 per year to £5,000 per year. RCGP Chair Professor Kamila Hawthorne has warned that this extra financial burden could lead to the closure of some GP practices. "We have very serious concerns about the impact of the increase in National Insurance employer contributions on GP practices right across the country, many of whom are already struggling to keep their doors open and make ends meet due to historic chronic underfunding.

The National Pharmacy Association (NPA) has warned of potential pharmacy closures in the coming months if long-standing funding cuts are not addressed and pharmacies are not supported with the National Insurance rise. With Downing Street suggesting that GP surgeries may receive extra support to offset the increase in employer National Insurance contributions (NICs) later this year, NPA chief executive Paul Rees has called on the government to extend similar support to pharmacies. A No 10 spokeswoman clarified that contracted workers, including GPs, were not eligible for an exemption from the NICs hike, which she said was consistent with the approach of previous governments. "There is a general process whereby departments, the Department of Health, for example, confirm their funding for general practices," the spokeswoman said, noting this process would occur later in the year. In response, Paul said that it would be "an insult" if GPs were provided support for the National Insurance rise but not hard-working pharmacies, who have faced nearly a decade of cuts in funding and are shutting at record rates.

NPA Insurance, a wholly owned subsidiary of the National Pharmacy Association (NPA), has updated its professional indemnity policy for locum pharmacists to better support their expanding roles in healthcare. The enhanced policy now includes private and NHS prescribing cover for weight loss and other areas of competence, which is available for locums working in pharmacy, general practice and hospital settings. Policyholders will benefit from an extended range of cover, which includes, as standard, the delivery of the NHS Pharmacy First service, the expanded pharmacy contraception service, and the re-launched hypertension case-finding service. Moreover, NPA Insurance has removed charges for vaccine administration, including COVID-19, flu, and travel. Locum pharmacists will also have access to NPA Insurance's award-winning claims team as part of the new policy.

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Having affordable health insurance that will pay for expenses such as hospital stays, doctor visits, and prescriptions can help a truck driver get the care that they need to stay healthy and prevent devastating medical bills from piling up. In this post, we'll take a closer look at the different types of health insurance available for truck drivers and why each one is so important.

The new Labour government's first budget has not been well received by community pharmacies, who are 'deeply worried' about the increase in National Insurance and the national living wage. They have also voiced their dissatisfaction with the Autumn Budget 2024 for lacking measures to address pharmacy closures. Commenting on the Chancellor's Budget, Paul Rees, CEO of the National Pharmacy Association (NPA) said: "Millions of people who depend on local pharmacies will be holding their breath today, hoping that the £22.6bn increase in health spending announced by the Chancellor will include money to stem the devastating closure of local health services in the past decade. "There's absolutely no mention in the Budget of action to halt the closure of our vital NHS pharmacy network, which has been shrinking at the rate of seven a week as pharmacies are forced to close through underfunding." According to the NPA, around 700 pharmacies have shut since just the start of 2022 due to the impact of a 40 per cent cut to funding coupled with rising demand.

A key person is an individual who contributes significantly to the success of the business due to their skills, knowledge, experience, and business acumen. In most community pharmacy businesses, which are usually owner managed, the key person(s) are the directors who are also usually the owners of the business. In large organisations, key person(s) could be found at various levels of the overall organisation structure such as managing directors, top salespeople, or technical experts. If you are diagnosed with a critical illness that results in you being unable to work, the financial security of your company, your co-directors and family members involved, could be jeopardised. It could also threaten everything you have worked so hard to build over the years. Where you own shares in the business, what would happen to your shares in case of critical illness or death? In the event of your death, your family would inherit your shares, but it would be impossible for them to take over your role in the business as they may not have the necessary skills or qualifications. There are a few other options available: The family can take a share of profits from the company, but this might be much less if the company is struggling because of your absence. The family could wind up the company and receive a share of its residual value. Sell the shares to your co-directors but they may not have the funds available to be able to purchase your shares. Sell the business on the open market but this would depend on finding a buyer who is prepared to pay the asking price and this could be a long, difficult, and costly process.

Members of the House of Lords debated the National Insurance Contributions (Secondary Class 1 Contributions) Bill on Monday (6 January) during its second reading. Lord Livermore, financial secretary to the Treasury, opened the debate, emphasising that the Bill was necessary to "repair the public finances, to protect working people and to rebuild our public services." He highlighted the economic challenges faced by the government, including a £22 billion black hole in the public finances and several unfunded commitments inherited from the previous administration. Livermore stressed the government's number one commitment is "economic and fiscal stability" and the measures in this Bill would ensure that "not a single penny of day-to-day government spending will be funded by borrowing" within three years.

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