Once the concept of compensating differentials is understood, we can immediately see the conditions necessary for employers to offer health insurance to their workers. First, employees must value the health insurance. If employees do not value the coverage, they will not consider it a form of workers compensation and will only see that their wages are lower. Theoretically, these workers would quit and take a similar job offered by employers that provided higher wages and no health insurance. (more…)

Some workers that are fall into certain categories are not covered by workers compensation if some work-related accidents happen. If he has injured at work, these workers are not getting any benefit from workers compensation system, but any other means of looking for compensation may be usable.

Bellow you will find some of workers in certain job/work categories that are not covered: (more…)

Many people become eligible for Medicaid by spending down to it. In other words, many people use up their own assets to pay health care bills until they have so little left that they qualify for Medicaid. Becoming eligible for Medicaid is quite tricky and cannot be done simply by giving things away to family members. Medicaid planning is a big business. (more…)