Hilda Sarkisyan daughter Natalie killed by CIGNA

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Art to CNC Video 4 - Photoshop 101 - CNC Tutorials - ...

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New York tries to dismiss 9/11 health laws

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Adding Children Under 26 Years to Your health guarnatee

Health Insurance - Adding Children Under 26 Years to Your health guarnatee

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Affective as of September 22, 2010, anything who has to renew their health assurance procedure can look transmit to a new option when inspecting their children's health care plan. With the new health care reform has come the possibility for prolongation of coverage to adolescents ages 16 and under.

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Health Insurance

After this date, children are now entitled to remain on the same health assurance procedure as their parents.

The new health care reform bill means that children parents can stay under the same health plan as their parent's until they are 26 years old- irrespective of their marital status, trainee status or home address. It also does not matter if the child (children) is named as a dependent on the mother's or father's tax return.

The only exemption is if a child under 26 is eligible for enrollment into a health plan offered by their employment. The term "child or children", in this case, applies to natural children, stepchildren, adopted children and any other child that is dependent upon an adult during the adoption waiting period. Grandchildren are not eligible. As a result, grandparents who care for their grandchildren full-time are not eligible. Meanwhile, the law for any states that have a maximum dependent age that is above 26 will remain as it was.

1. anything wanting to add dependents under the age of 26 years to their health assurance procedure is entitled to a one-off extra enrollment. Even adult children currently under the age of 26 who have been previously denied such coverage, can apply.

2. anything who is currently covered by a particular person's health assurance procedure or a spouse/employee procedure and wants to add their child, can do so. However, they must change their enrollment status to one that allows dependents to be added to the contract, for example as house procedure or an employee/child coverage policy.

3. anything who is not already enrolled in a health assurance program, but wishes to do so now and take benefit of the new rules regarding dependents under 26, can participate. They must enroll within the extra enrollment period and meet all applicable eligibility requirements to qualify.

4. If your children already belong to your health plan, everything remains the same and nothing is branch to change.

5. If you do not wish your dependents to remain on your procedure until they are 26, you can remove them. In order to do this, you will need to make sense with your health assurance victualer and ask for them to be removed.

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White House White Board: Health Reform & Rate Review

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Health Insurance Exchange Stakeholders Conference - Panel 1: Meeting Consumer Needs (08/30/2010)

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The China Study 14 of 14 ( Vegan Vegetarian Health Benefits / Lose Weight )

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Sovereign & Best Doctors TVC - 15 sec

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How Does Acupuncture Work?

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Insurance Commissioner Dave Jones Intervenes in Lawsuit Against Bristol-Myers Squibb

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How is Insurance Commissioner Dave Jones Intervenes in Lawsuit Against Bristol-Myers Squibb

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5. Insurance: The Archetypal Risk Management Institution

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Long Term Care Planning & Long Term Care Insurance

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Do I Have to Pay My Health Insurance Company Back From My Auto Wreck Settlement?

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How is Do I Have to Pay My Health Insurance Company Back From My Auto Wreck Settlement?

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Queen of England Exposed - Part 2 of 5

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The Meaning of Life (4/11) Movie CLIP - Protestants and French Ticklers (1983) HD

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Armenian gang arrested for US healthcare fraud

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How is Armenian gang arrested for US healthcare fraud

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The Meaning of Life (6/11) Movie CLIP - Would Rather Be Elsewhere (1983) HD

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Every Sperm Is Sacred - The Meaning of Life (3/11) Movie CLIP (1983) HD

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Fox News Bias Exposed By Leaked Memos

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12/10/09 34% support h'care overhaul, 57% oppose

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Message To Humanity The Time is Now - The Revolution (Understand Whats Going On In Your World)

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Group condition assurance Premiums

Health Insurance - Group condition assurance Premiums

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If you are a small business owner or operator and want to get an explanation of the way premiums are priced for the company, then please read on. There are basically two ways these premiums can be calculated.

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Health Insurance

Group assurance Pricing

The pricing (rate making) process in group assurance is essentially the same as pricing in other industries. The assurance business must create adequate wage to cover the cost of its claims and expenses and contribute to the surplus of the company. It differs in that the price of a group assurance goods is initially considered on the basis of unbelievable time to come events and may also be field to touch rating so that the final price to the ageement possessor can be considered only after the coverage duration has ended. Group assurance pricing consist of two steps.

(1) The measurement of a unit price, referred to as a rate or excellent rate for each unit of advantage (e.g., ,000.00 of life insurance, of daily hospital benefit, or of monthly wage disability benefit)

(2) The measurement of the total price or excellent that will be paid by the ageement possessor for all of the coverage purchased.
The arrival to group assurance rate development differs depending on whether manual rating or touch rating is used. In the case of manual rating, the excellent rate is considered independently of a single groups claim experience. When touch rating is used, the past claims touch of a group is considered in determining time to come premiums for the group and/or adjusting past premiums after a coverage duration has ended. As in all rate making, the primary objective for all types of group assurance is to originate excellent rates that are adequate, reasonable, and equitable.

Manual Rating

In the manual rating process, excellent rates are established for broad classes of group assurance business. manual rating is used with small groups for which no credible personel loss touch is available. This lack of credibility exist because the size of the group is such that it is impossible to determine whether the touch is due to random occasion or is truly reflective of the risk exposure. manual rating is also used to originate the preliminary premiums for larger groups that are field to touch rating, particularly when a group is being written for the first time. In all but the largest groups, touch rating is used to integrate manual rates and the actual touch of a given group to determine the final premium. The relative weights depend on the credibility of the groups own experience. manual excellent rates (also called tabular rates) are quoted in a company's rate manual. As pointed out earlier, these manual rates are applied to a definite group assurance case in order to determine the mean excellent rate for the case that will then be multiplied by the amount of advantage units to accumulate a excellent for the group. The rating process involves the measurement of the net excellent rate, which is the amount indispensable to meet the cost of unbelievable claims. For any given classification, this is calculated by multiplying the probability (frequency) of a claim occurring by the unbelievable amount (severity) of the claim.

The second step in the improvement of manual excellent rates is the adjustment of the net excellent rates for expenses, a risk charge, and a offering to behalf or surplus. The term retention, frequently used in connection with group insurance, regularly is defined as the excess of premiums over claim payments and dividends. It consists of charges for (1) the stop-loss coverage, (2) expenses, (3) a risk charge, and (4) a offering to the insurer's surplus. The sum of these changes regularly is reduced by the interest credited to definite reserves (e.g., the claim hold and any contingency reserves) the insurer holds to pay time to come claims under the group contract. For large groups, a method is regularly applied that is based on the insurers mean claim experience. The method varies by the size of a group and the type of coverage involved. assurance companies that write a large volume of any given type of group assurance rely on their own touch in determining the frequency and severity of time to come claims. Where the advantage is a fixed sum, as in life insurance, the unbelievable claim is the amount of insurance. For most group condition benefits, the unbelievable claim is a changeable that depends on such factors as the unbelievable distance of disability, the unbelievable duration of a hospital confinement, or the unbelievable amount of reimbursable expenses. companies that do not have adequate past data for trustworthy time to come projections can use industry wide sources. The major source for such U.S. industry wide data is the society of Actuaries. Insurers must also consider whether to originate a single manual rate level or originate go for or substandard rate classifications on objective standards connected to risk characteristics of the group such as vocation and type of industry. These standards are largely independent of the groups past experience.

The adjustment of the net excellent rate to contribute uncostly equity is complex. Some factors such as excellent taxes and commissions vary with the excellent charge. At the same time, the excellent tax rate is not affected by the size of the group, whereas commission rates decrease as the size of a group increases. Claim expenses tend to vary with the number, not the size of claims. Allocating indirect expenses is all the time a difficult process as is the measurement of the risk charge. Community-rating systems, developed originally by Blue Cross Blue Shield, are often defined to limit the demographic and other risk factors being recognized. They typically ignore most or all of the factors indispensable for rate equity and may be as simple as one rate applicable to those with families. There is miniature actuarial rationale for charging all groups the same rate regardless of the unbelievable morbidity. society rating has been mandated in some jurisdictions. This makes it a matter of group course rather than an actuarial pricing question.

Experience Rating

Experience rating is the process whereby a ageement possessor is given the financial advantage or held financially accountable for its past claims touch in insurance-rating calculations. Probably the major speculate for using touch rating is competition. Charging identical rates for all groups regardless of their touch would lead to adverse selection with employers with good touch seeking out assurance companies that offered lower rates, or they would turn to self funding as a way to sell out cost. The assurance business that did not consider claims touch would, therefore, be left with only the poor risk. This is why Blue Cross Blue Shield had to abandon society rating for group assurance cases above a definite size. The beginning point for prospective touch rating is the past claim touch for a group. The incurred claims for a given duration include those claims that have been paid and those in process of being paid. In evaluating the amount of incurred claims, provision is regularly made for catastrophic claim pooling. Both personel and aggregate stop loss limits are established in which exceptionally large claims (above these limits) are not charged to the group's experience. The "excess" portions of claims are pooled for all groups and an mean charge is accounted for in the pricing process. The arrival is to give weight to the personel groups own touch to the extent that it is credible. In determining the claims charge, a credibility factor, regularly based on the size of the group (determined by the amount of insured lives insured) and the type of coverage involved, is used. This factor can vary from zero to one depending on the actuarial estimates of touch credibility and other considerations such as the adequacy of the contingency hold developed by the group.

In effect, the claims charge is a weighted mean of (1) the incurred claims field to touch rating and (2) the unbelievable claims, with the incurred claims being assigned a weight equal to the credibility factor and the unbelievable claims being assigned to a weight equal to one minus the credibility factor. The incurred claims field to touch rating are after notice of any stop loss provisions. Where the credibility factor is one, the incurred claims field to touch rating will be the same as the claims charge. In such cases, the unbelievable claims underlying the prospective rates will not be considered. Thus, when companies insure a group of big size, touch rating reflects the claim levels resulting from that group's own unique risk characteristics. It has become coarse institution to give to the group the financial advantage of good touch and hold them financially responsible for bad touch at the end of each course period. When touch turns out to be great than was unbelievable in prospective rating assumptions, the excess can whether be accumulated in an account called a excellent stabilization reserve, claim fluctuation reserve, or contingency hold or the excess can plainly be refunded. The repayment is whether called a dividend (mutual company) or an touch rating repayment (stock company).

The net result of the touch rating process is regularly called the ageement possessor account balance, representing the final balance attributed to the personel ageement holder. As pointed out earlier this balance or a part of the balance can be refunded to the ageement holder. The adequacy of the group's excellent stabilization hold influences dividend or rate adjustment decisions.

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What to Do If You Can't Afford health assurance

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If you are an American, and you lack health insurance, you are not alone. In late 2009, it was estimated that practically 46 million population in the Us do not have a health plan. new high unemployment figures have not made this form any lower.

Some of these population lost their group health plans when they lost their job. Others are self employed or work for a business that does not offer group health. There are alternative inexpressive health plans on the market, but many population just cannot afford them, or they cannot get appropriate by one. While politicians haggle over the issues, sick population are having trouble getting treatment.

Are You Sick or Healthy?

If you are very healthy, or if you already have a health issue, you should seek coverage. It will be, of course, a lot easier to find affordable inexpressive health assurance if you are healthy. This way you can be ready in case you do get sick or get hurt in an accident. Even a simple trip to an accident room for a broken bone can cost thousands of dollars.

If you have already are hurt or ill, it will be tough to get it covered by inexpressive plans now. But even population who are already sick should be able to find some help. I hope to gift some options for you.

Cobra

Under federal law, some companies must extend their group healing plan to ended employees. This can be a good option for those who are in the middle of jobs. The only issue with it is the cost. Instead of just paying your employee contribution, now you will probably also have to pay the whole superior amount. Many ex-employees are very surprised when they learn how much this is.

Individual health assurance

If you lack major medical, and you are fairly healthy, you may find that a inexpressive healing plan is pretty affordable. It is admittedly a misconception that group benefits are always cheaper than private plans. Because insurers can underwrite each applicant, they may admittedly be able to offer lower rates for healthier people.

If you have an option to extend your group benefits (i.e. Cobra) or buy inexpressive coverage, just make sure the new plan will accept you, and that it will cover services you need. It is tough, for instance, to get private plans that cover general maternity. But if you are accepted, which most population in reasonably good health should be, and the plan satisfies your needs, you may be vary happy with carrying your own health plan.

State Risk Pools

Every Us state has some sort of health plan for population who have a pre-existing health qoute that gets them declined for other coverage. In some states, these plans can be very expensive though. This is a good option if you do have income or savings, but just do not have health insurance.

Paying For Prescriptions

If you cannot afford your designate medicine, consult the Partnership for designate assistance (Pparx). Their website is Pparx.org. This assosication offers a point of entrance to hundreds of inexpressive and communal assistance programs. Their website says they have helped millions of Americans get help, and they may be able to help you.

Low Cost health Clinics

You can find some lower cost health clinics. Many offer health services on a sliding scale. The Pparx website we mentioned about also has a handy search feature. You can enter your zip code and see if you can find a colse to locations. I entered my own zip code for a test, and I was surprised to see that there were several of these clinics within a short drive of my house. I had not been aware that there were any before.

Financial Aid For health Problems

If you have a serious illness, you may be able to get preserve from a financial assistance program. These are usually non-profits, and sometimes they are called co-pay programs. Again, Pparx has data on many of these organizations.

County health Systems

Try searching for a county or communal health principles in your own area. They should provide reduced fee services for patients. You will probably be locked into using their hospitals, doctors, etc., but you should have entrance to care.

Public health assurance Programs

If you have a very low income, and few assets, you may qualify for Medicaid. This is the federal and state schedule to insure the poor. Moderate income families should look at the Childrens health assurance (Chips) plan for their state. income guidelines to cover kids are higher than those for adults, and these plans may also cover pregnant women.

What To Do If You Have No health assurance

I would tell anyone to form out how they can fetch health assurance as speedily as possible. For instance, you should try to apply for a inexpressive procedure when you are healthy! You are probably not going to find coverage from a inexpressive business after you are already sick or hurt. If you do find a plan that accepts you, it will probably be much more expensive That is how assurance works.

It is always great to plan ahead. Of course, this is not always possible.. If you have a current health issue, and no health plan, you should look at some of the alternatives we listed.

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Human reserved supply facts principles - Hris

Health Insurance Claim Form 1500 Download - Human reserved supply facts principles - Hris

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Human reserved supply data Systems

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The purpose of this paper is to recognize other fellowships who have faced similar human resources issues in regards to data technology. Through benchmarking separate fellowships we can learn how other fellowships have handled sure human resources issues linked to data technology, data systems, new technology, and data security. An uncut analysis has been completed using research on Ibm Europe, Ameriprise Financial, Terasen Pipelines, Shaw’s Supermarkets, Cs Stars Llc, Ibm, Worksource Inc., and Toshiba America medical Systems, Inc. This paper also includes eight synopses of fellowships facing similar issue to those in the reading.

New Technology

With the changing world and constant new technology that is available, managers need to be aware of the technology that will increase effectiveness in their company. Human reserved supply data systems (Hris) have increasingly transformed since it was first introduced at general galvanic in the 1950s. Hris has gone from a basic process to convert manual data holding systems into computerized systems, to the Hris systems that are used today. Human reserved supply professionals began to see the possibility of new applications for the computer. The idea was to concentrate many of the separate human reserved supply functions. The effect was the third generation of the computerized Hris, a feature-rich, broad-based, self-contained Hris. The third generation took systems far beyond being mere data repositories and created tools with which human reserved supply professionals could do much more (Byars, 2004).

Many fellowships have seen a need to transform the way Human reserved supply operations are performed in order to keep up with new technology and addition numbers of employees. Terasen Pipelines moved its headquarters from Vancouver to Calgary to be closer to the oil and realized a major increase in employees. In the past recording holding was done on paper and with spreadsheets. Mangers at Terasen realized that there was a need to convert to a more computerized law and looked into separate Hris vendors. By manufacture the move to a Hris system, Terasen is able to keep more precise records as well as better get ready for future growth. an additional one business that saw the benefits of holding up with new technology is Worksource Inc. To meet the challenge of handling 100 new employees, Worksource Inc. Acquired Web-based technology programs from Ghg Corp. Like electronic pay stub, electronic timesheet software, time-off system, and human reserved supply data law (“Tips,” 2006). By adapting these new programs, Worksource was able to reduce waste and cost.

The Internet is an increasingly favorite way to recruit applicants, research technologies and accomplish other requisite functions in business. Delivering human reserved supply services online (eHr) supports more effective collection, storage, distribution, and transfer of data (Friesen, 2003). An intranet is a type of network used by fellowships to share data to habitancy within the organization. An intranet connects habitancy to habitancy and habitancy to data and knowledge within the organization; it serves as an “information hub” for the entire organization. Most organizations set up intranets primarily for employees, but they can extend to business partners and even customers with accepted security clearance (Byars & Rue, 2004).

Applications of Hris

The efficiency of Hris, the systems are able to yield more effective and faster outcomes than can be done on paper. Some of the many applications of Hris are: Clerical applications, applicant search expenditures, risk management, training management, training experiences, financial planning, turnover analysis, succession planning, flexible-benefits administration, compliancy with government regulations, attendance reporting and analysis, human reserved supply planning, emergency reporting and stoppage and strategic planning. With the many separate applications of Hris, it is difficult to understand how the programs advantage fellowships without looking at fellowships that have already benefited from such programs.

One such business is Ibm. Ibm has a paperless online enrollment plan for all of its employees. Not only has the online enrollment saved the business 1.2 million per year on printing and mailing costs, the employees enjoy working with the online plan. "Since we began offering online enrollment, we've learned that employees want web access," Donnelly [Senior Communications Specialist] says, so they can log on at home rather than Through the business intranet. So the business has been working to put in place a web-based enrollment law that employees and retirees can way from everywhere (Huering, 2003). By utilizing the flexible-benefits application Hris has to offer, Ibm was able to cut costs and give employees the relaxation to scrutinize their benefits on their own time and pace.

Another business that has taken advantage of Hris applications is Shaw’s Supermarkets. In order for Shaw’s to better manage its workforce, the business decided it was time to centralize the Hr operations. After looking at separate options, Shaw’s decided to implement an worker Self assistance (Ess) system. The use of self-service applications creates a sure situation for Hr. Ess gives Hr more time to focus on strategic issues, such as workforce management, succession planning, and compensation management, while at the same time enhancing assistance to employees and managers, and ensuring that their data is accurate. With this solution, employees have online way to forms, training material, benefits data and other payroll linked data (Koven, 2002). By giving employees way to their personal data and the potential to update or convert their data as needed, Hr was given more time to focus on other issues. comprehension the separate applications Hris has to offer will give fellowships the chance to increase worker efficiency and reduce costs.

Measuring the Effectiveness of Hris

The appraisal should decide either or not the Hris has performed up to its expectations and if the Hris is being used to its full advantage (Byars & Rue, 2004). One of the most requisite challenges faced by public personnel executives today is measuring the operation of their human resources data law (Hris) In order to interpret the value-added offering of the Hris to accomplishing the organization's mission (Hagood & Friedman, 2002). Implementing an Hris schedule may seem a requisite stem for a company, but unless it will be an effective tool for Hr operations, it will not help increase efficiency and may hinder it instead.

One business that implemented a Hris law is Toshiba America medical Systems, Inc. (Tams). Tams put all worker benefits data online and created an open enrollment choice when Tams changed healthcare providers. Roughly immediately upon rolling out the UltiPro portal [new Hris technology] to employees, Tams began looking improvements, with an estimated 70% increase in open enrollment efficiency (Wojcik, 2004). By determining the efficiency of the new program, Tams was able to realize the benefits of the new Hris system.

Security of Hris

The privacy of worker data has become a major issue in recent years. With identity theft becoming a coarse problem, employees are becoming more sensitive about who sees their personal information, and the security it is kept in. By manufacture sure worker data that is kept in the Hris is relevant to the business and manufacture sure there is slight way (password protection) to such information, fellowships can make its employees more obtain with the security of their information. either electronic or paper, worker files deserve to be treated with great care. Establishing security and end-user privileges calls for a balance of incorporating, Hr policy, law knowledge and day-to-day operations (O’Connell, 1994).

One business that faced a major security issue was Cs Stars, Llc. Cs Stars lost track of one of its computers that contained personal data that included names, addresses and public security numbers of workers compensation benefits. The bigger question was that Cs Stars failed to notify the affected consumers and employees about the missing computer. Though the computer was retrieved and no data seemed to have been harmed, many employees lost their sense of security with the company. New York's data security Breach and announcement Law, effective in December 2005, requires businesses that maintain computerized data which includes hidden data to notify the owner of the data of any breach of the security of the law immediately following discovery, if the hidden data was, or is reasonably believed to have been, acquired by a someone without valid authorization (Cadrain, 2007).

Another business that experienced a breach in security is Ameriprise Financial. In late 2005, a computer that contained personal data on clients and employees was stolen. Because many of the employees at Ameriprise take their computers between work and home, the business carefully there was a need to put more security into those computers. Ameriprise made sure all employees had the new security suite installed on their computers. By responding quickly to the need for more security, Ameriprise made sure all data is being kept secure. manufacture sure employees data is kept as obtain as inherent there will be more trust in the business and the Hr employees working with that information.

Conclusion

Ibm, Terasen Pipeline, Cs Stars Lcc, and Toshiba America medical Systems, Inc. Are good examples of fellowships facing issues similar to human resources data technology and human resources data systems. All of these fellowships know the importance of new technology, human resources data systems, and data security. The remainder of this paper provides synopses of more fellowships facing human resources issues, how the business responded to the issues, and the outcomes of the company’s responses.

Companies Benchmarked

Ibm Europe

The Situation:

Ibm is a global society offering research, software, hardware, It consulting, business and management consulting, ring and financing. It employs nearby 340,000 people, speaking 165 languages over 75 countries, and serving clients in 174 countries. In January 2007, Ibm established a isolate “new media” function within its corporate communication department. Ibm main goal is to educate, support, and promote programs that use public media. Ibm Europe decided to progress internal communication by blogging guidelines. The recognition was that blogging was already happening among Ibmers, just in an unregulated way. In a similar way, institutionalizing a function to deal specifically with new media is not a corporate move, or establishing from scratch. It’s a response to the issues already emerging in the company. Now that those technologies are here, habitancy are using them, they’re growing and there here to stay-we’re just going to put some buildings nearby them so that we can try to optimize their use.” The users decide what technologies they want to use and how they want to use them. That main idea is that Ibm understands that they must remember to respect the fact that public media are social. Ibm had the need to associate its 340,000 global employees more effectively.

The Response:

Ibm’s intent nearby public media has now been officially formalized. From January 22 2007, the business established a isolate “new media” function within its corporate communication department. “Its remit: To act as expert consultants inside and face Ibm on issues relating to blogs, wikis, Rss and other public media applications. The main idea is to educate, retain and promote programs that use these tools. Ibm has a history of being a t the forefront of technology based corporate communication. From the multimedia brainstorming “WorldJam” that made news headlines back in 2001 in which 50,000 employees worldwide joined a real time, online idea-sharing session about the company’s direction. Imb has all the time ready itself to use breakthrough technologies to compose a two-way dialogue with its employees. The need for public media was requisite and could no longer wait.

The Outcome:

In the last few years Ibm has been recognized as being the vanguard of social-media use: Ibm was on of the first Fortune 500 fellowships to get behind collaborative wikis, published internal blogging guidelines as far back as 2003, and is now spicy fast beyond Rss and podcasts into videocasting and “virtual world” technologies like Second Life. The intranet search facility extends to all areas of the site, along with new media aspects. When an worker logs onto their portal an executes a key word search, the results they get back not only come from the main intranet pages, but contain results from Ibm forums, wikis, blogs and podcast/videocasts tags. Imb has an comprehension that employees are no longer staying in a business their entire lives. It’s just not like that any more. In Belgium for example over 50 percent of 2,300 employees have been there fewer than five years. The business has come to the closing that with an increasingly young and movable workforce, the likelihood is that an worker habitancy full of a younger generation, for whom these tools are part and parcel of life, is not that far away. In years to come Ibm will have to deal with worker base for which blogging is just the natural way to interact over a web platform. Ibm has created centralized platforms for most tools that fall under its remit, which includes wikis. For Philippe Borremans, new media lead Europe for Ibm, has the inherent business applications of a wiki cover two broad benefits: Collaborating and knowledge sharing. Ibm has scored some paramount successes on both fronts in the near 5000 wiki pages now up and running in the organization. The business has been a huge pick-up in interest in podcasting over the last 18 months writing can seem such a technical skill, whereas habitancy feel they can talk more freely than they can write. One of the most consistently favorite Ibm podcasts, with over 20,000 downloads a week.

Ameriprise Financial

The Situation:

The division of Justice scrutinize estimates that 3.6 million U.S. Households were victims of identity theft in 2004. Trafficking in personal date goes beyond U.S. Borders: the New York Times reports that stolen financial data is often distributed among participants of online trading boards, and the buyers are frequently placed in Russia, Ukraine, and the Middle East. One reckon clients are implicated about data security is the uncut publicity generated by breaches at financial services firm. In late December 2205, an Ameriprise Financial employee’s laptop that contained unencrypted data on Roughly 230,000 customers and advisors was stolen from a car. Other financial services firm, along with Citigroup and Bank of America, also write back large-scale customer data losses in 2005. President of Ncs, Rita Dew, a compliancy consulting firm in Delray Beach, Florida, says that the Securities and transfer Commission requires investment advisors to have policies and procedures that address the administrative, technical, and physical safeguards linked to client records and information.

The Response:

Ameriprise Financial had to fight back and had to implement “layers of protection.” It is prominent for employees who their former business computer, and employees regularly converyance the computer between home, office, and meeting sites. The vulnerability of this arrangement and the need for a security software schedule is much needed.

The Outcome:

Employees who are transporting lab tops should setup the Steganos security Suite on their computer. This software allows employees to originate an encrypted virtual drive on the laptop that serves as data storehouse safe. Employees stores all client linked data and tax making ready software database on the encrypted drive, which employees has set up with one gigabyte of storehouse space. The best thing is that when an worker turns off the computer the data is stored “safe”, the software automatically encrypts the virtual drive’s data. The software also generates encrypted backup files, which employees store on Cds in a fireproof safe. This should keep the data obtain if any employee’s laptop is stolen or if the drive is removed from the laptop. Other financial advisors are relying on encryption both in and out of the office. Other programs that are being used to safe client’s data are Raid Level 1 law to store data on the drives that are encrypted with WinMagic’s SecureDocs software. Encryption ensures that anyone who steals the computer will be well unable to read the data, even by connecting it to an additional one computer as a “slave drive. This has given many financial advisors the many peace of mind.

Terasen Pipelines

The Situation:

Terasen Pipelines is a subsidiary of Terasen Inc. placed in Vancouver, Canada and is placed in several provinces and U.S. States. In 2001 the business changed its headquarters to Calgary to be closer to the oil. With the big move, the business went Through a increase spurt. With the business in many separate locations and the growing numbers of employees, the Hr division saw a need to find a new law to keep more precise records.

The Response:

In the past Terasen had kept records on paper and with spreadsheets and with the increase of the company, this law does not work as well as in the past. In order to compensate for future growth, Terasen began to look into Hris fellowships to help with the Hr operations. After researching separate companies, Hewitt’s application assistance victualer model with eCyborg was found to be the right fit.

The Outcome:

Although there was strangeness adapting to a new way of recordkeeping, Terasen was able to find a law that will help retain the current and future increase of the company. Fortunately, some of the Hr staff had contact working with an Hris and were able to help their colleagues fantasize new processes, as aided by a system. One theme often voiced throughout this process was: "You guys don't know how hard we're working when we can make it so much easier with a law that could do a lot of this for us. You don't all the time have to run to the cabinet for the worker file just to get basic information. It can all be at your fingertips." (Vu, 2005). In order to help Terasen ease the Hr burden of implementing a new Hr system, the management of Terasen was convinced to look for a seller to help implement and maintain a Hris system. This law has helped Terasen better get ready for current and future growth.

Shaw’s Supermarkets

The Situation:

Shaw’s Supermarkets is the second largest supermarket chain in New England. With a workforce of 30,000 placed at 180 stores throughout six states, Shaw's Hr staff is responsible for managing employees' personal data. Their worker mix includes Roughly 70 percent part-time employees, consisting of students, senior citizens, second-job part-timers, and work part-timers. One third of the workforce is made up of union associates, and Shaw's staff oversees the company's involvement with three unions and six isolate contracts (Koven, 2002). In order to help manage the workforce, the Hr staff became concerned in centralizing its Hr operations.

The Response:

In order to centralize Hr operations Shaw’s decided to implement an Ess (employee self-service) solution. The use of self-service applications creates a sure situation for Hr. Ess gives Hr more time to focus on strategic issues, such as workforce management, succession planning, and compensation management, while at the same time enhancing assistance to employees and managers, and ensuring that their data is accurate. With this solution, employees have online way to forms, training material, benefits data and other payroll linked information.

The Outcome:

Shaw’s has had sure feedback since implementing the Ess solution. "The reaction from our employees has been very positive," Penney, Vp of compensation and Benefits, says. "We even had a requisite increase in our medical coverage costs, and it was Roughly a non-issue because the online enrollment featured the plan choices, the worker cost, and the business subsidy. An worker self-service application makes it very easy for them to understand their contributions and coverage options. I received several e-mails from employees saying this was a great convert and how easy Ess was, which the case is not often when employees are selecting their advantage options." (Koven, 2002). By giving the employees more way to their data they are able to see the advantage choices available to them. Employees are also able to update their data online, which helps reduce the paperwork of the past. Shaw’s has also seen revision in productivity because employees are updating data at home, not while work hours.

Cs Stars, Llc

The Situation:
New York Attorney general Andrew Cuomo has announced that New York State has reached its first community with a business charged with failing to notify consumers and others that their personal data had gone missing. Cuomo’s office, which enforces the state’s 2005 data security Breach and announcement Law, charged Cs Stars Llc, a Chicago-based claims management company, with failing to give notice that it had lost track of a computer containing data on 540,000 New Yorkers’ workers’ comp claims.

The Response:

The owner of the lost data, which had been in the custody of Cs Stars, was the New York special Funds Conservation Committee, an society that assists in providing workers’ comp benefits under the state’s workers' comp law. On May 9, 2006, a Cs Stars worker noticed that a computer was missing that held personal information, along with the names, addresses, and public security numbers of recipients of workers’ compensation benefits. But Cs Stars waited until June 29, 2006, to notify special Funds and the Fbi of the security breach. Because the Fbi declared that notice to consumers might impede its investigation, Cs Stars waited until July 8, 2006, to send notices to the 540,000 New Yorkers affected by the breach. On July 25, 2006, the Fbi carefully an employee, of a cleaning contractor, had stolen the computer, and the missing computer was placed and recovered. In addition, the Fbi found that the data on the missing computer had not been improperly accessed.

The Outcome:

New York's data security Breach and announcement Law, effective in December 2005, requires businesses that maintain computerized data which includes hidden data to notify the owner of the data of any breach of the security of the law immediately following discovery, if the hidden data was, or is reasonably believed to have been, acquired by a someone without valid authorization. The law affects not only businesses in their dealings with their customers, but employers in their role as custodians of employees’ personal data. (Cadrain)

Without admitting to any violation of law, Cs Stars agreed to comply with the law and ensure that permissible notifications will be made in the event of any future breach. The business also agreed to implement more uncut practices relating to the security of hidden information. Cs Stars will pay the Attorney General’s office ,000 for costs linked to this investigation. (Cadrain)

Ibm

The Situation:

Ibm's paperless online enrollment system, introduced in 1999, has proved to be a winner for both the company's 135,000 active U.S. Employees and the company, according to Cathleen Donnelly, senior communications expert at business headquarters in Armonk, N.Y. The business saves .2 million per year on printing and mailing costs alone, Donnelly says, and the employees’ can take advantage of a variety of technologies to learn about issues, research schedule data and way decision retain tools from their desktop computers. (Heuring, 2002)

The Response:

One of those tools, a personal medical cost estimator, enables employees to reckon inherent out-of-pocket condition care expenses under each of the plan options available to them, Donnelly says. Employees log in personally and are greeted by name and with prominent data with regard to their benefits enrollment, such as the deadlines and when changes take effect. They automatically get way to condition plans that are available to them, and the calculator lets them correlate estimated advantage amounts for each plan.

"Employees can agree the condition care services they expect to use in a single year, appraisal unbelievable frequency of use, and reckon inherent costs under each plan option," Donnelly says. "The feedback that we've received from employees tells us that this tool has well helped them to make a comparison between plans based on how they consume medical services." The calculator shows both Ibm's costs and the employee's. (Heuring, 2002)

The Outcome:

"Since we began offering online enrollment, we've learned that employees want web access," Donnelly says, so they can log on at home rather than Through the business intranet. So the business has been working to put in place a web-based enrollment law that employees and retirees can way from anywhere.

Employees can get overview data on the plans, drill down into very exact details and effect links to the condition care providers for research. Donnelly says the law has received high marks for convenience because employees can "get in and out quickly."

Worksource Inc.

The Situation:

To meet the challenge of handling 100 new employees, Worksource Inc. Acquired Web-based technology programs from Ghg Corp. Like electronic paystub, electronic timesheet software, time-off system, and human reserved supply data law (“Tips,” 2006). These tools enabled Ceo Judith Hahn to handling payroll procedures efficiently and effectively.

The Response:

Worksource has eight workforce centers, with Roughly 108 employees, placed throughout a six-county region. Previously, payroll, benefits, and human resources for those employees were processed and managed by a pro boss Organization. The business also has 52 administrative staff in its headquarters office. When the compact with the Peo closed on June 30, 2006, those 108 employees were immediately moved to the payroll of Worksource, which meant Hahn’s workload more than doubled effective July 2006 (“Tips,” 2006).

Hahn, in an interview with Pmr, said she relied on Lean to help get a handle on what needed to convert for her to manage the increased workload. Two years earlier, Hahn’s Ceo had introduced her to Lean, a Japanese management notion of eliminating wasteful steps and appeal when completing processes. “I began to read as much as inherent about Lean and joined an Hr Lean focus group” (“Tips,” 2006).

The Outcome:

Mastering the concepts of Lean led Hahn to compose and apply her own acronym of “Reason” to her department’s payroll and Hr processes. present the process: map payroll tasks from start to finish. Eliminate waste: decide how to faultless a payroll task most efficiently without unnecessary steps. Analyze alternatives: research and rate the applicability of new technology. Sell innovations to management: document the return on investment of each innovation. Open the lines of communication: present openly—and often—with all stakeholders, along with employees and top management. Never allow negativity: make convert easy and fun. Give employees abundance of encouragement and time to learn (“Tips,” 2006). Judith Hahn was able to implement the right human reserved supply functions using data systems.

Toshiba America medical Systems Inc.

The Situation:

Lynda Morvik, director of benefits and human resources data systems at Tustin, California-based Toshiba America medical Systems Inc. (Tams), notion it would make sense to add a benefits communication component to it. By having all the advantage data online, the Tams worker handbook would also be a living document, enabling Morvik to make changes when necessary. Such was the case halfway Through the project, when Tams changed condition care plans from Aetna Inc. To United condition Group Inc (Wojcik, 2004).

The Response:

Tams, an independent group business of Toshiba Corporation and a global prominent victualer of diagnostic medical imaging systems and uncut medical solutions, such as Ct, X-ray, ultrasound, nuclear medicine, Mri, and data systems, had been using a payroll assistance bureau and an in-house explication for Hr that didn't contain easy-to-use consolidated reporting or an worker portal. After evaluating UltiPro alongside several business reserved supply vendors, Tams selected greatest Software's offering and went live in September 2002 after an on-time and on-budget implementation. Roughly immediately upon rolling out the UltiPro portal to employees, Tams began looking improvements, with an estimated 70% increase in open enrollment efficiency (Wojcik, 2004).

The Outcome:

In an endeavor to progress the usage of the Web beyond the benefits enrollment process, Tams has posted a library of documents and forms on its Hr portal, along with the benefits handbook, which garnered a 2004 Apex Award for publication excellence. That same year, business assurance magazine also gave Tams the Electronic advantage communication (Ebc) award for excellent achievement in communicating worker benefits programs over the Web. To continue elevating its use of greatest Software's Hrms/payroll solution, Tams modified the UltiPro portal to meet the imaging company's unique needs (Wojcik, 2004). It was thoroughly integrated with several rights applications created to address compensation and operation management issues so that Tams employees have a central location for uncut workforce and payroll data from a Web browser that they can way with a single sign-on (Wojcik, 2004).

References

Byars, Lloyd L. & Rue, Leslie W. (2004). Human reserved supply Management, 7e. The McGraw-Hill Companies.
Cadrain, Diane (2007). New York: business Settles Data Breach Charges. Retrieved June 3, 2007 from [http://www.shrm.org/law/states/Cms_021505.asp#P-8_0]
Clarifying Ibm’s Strategic mission for public media (2007). Strategic communication
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Friesen, G. Bruce (2003). Is your client ready for eHr? Consulting to Management, 14(3), 27. Retrieved June 3, 2007 from ProQuest Database.
Hagood, Wesley O. & Friedman, Lee ( 2002). Using the balanced scorecard to quantum the operation of your Hr data system. public Personnel Management, 31(4), 543-58. Retrieved June 3, 2007 from ProQuest Database.
Heuring, Linda (2003). Ibm: Laying Outing Enrollment Options. Retrieved June 2, 2007 from [http://www.shrm.org/hrmagazine/articles/0803/0803heuring_paperless.asp]
Koven, Jeff (2002). Streamlining advantage process with worker self-service applications: A case study. compensation & Benefits Management, 18(3), 18-23. Retrieved June 2, 2007 from ProQuest Database.
O’Connell, Sandra (1994). security for Hr records – human resources. Hr Magazine. Retrieved June 3, 2007 from [http://findarticles.com/p/articles/mi_m349] 5/is_n9_v39/ai_16309018
Protecting Client Data (2006). Financial Planning. Retrieved June 1, 2007 from

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Tips on Using Technology to Streamline Payroll Processes – and Cut Costs (2006). Payroll Managers Report, 6(10), 1-9. Retrieved June 2, 2007 from Ebscohost Database.
Vu, Uyen (2005). Contracting out Hris easy call at Terasen Pipelines. Canadian Hr Reporter, 18(4), 5-9. Retrieved June 2, 2007 from ProQuest Database.
Wojcik, J. (2004). Toshiba worker Handbook Goes Online. business Insurance, 38(49), 18.
Retrieved June 2, 2007 from Ebscohost Database.

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