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All employers have responsibility of guiding their employees about the health benefit schemes offered by them. Even the employees on the other hand also have the right to receive information about the health benefit schemes offered to them. Therefore an employer has the right to inform the employees about certain information regarding the health benefit schemes. For this reason, organizations have created the position of Health Benefit Manager having communication as one of the responsibilities for health benefit related schemes and procedures.Key information heads to be shared by employerThere is a plethora of information available for communication. It is the skill of the Health benefit Manager to present them in a structured manner on behalf of the employer.- Employers need to provide a detailed list of information to the employees about what health benefit schemes are provided to them or the scheme they are entitled to.
- Providing information regarding cost sharing as well as arrangements
- To take up necessary steps to resolve problem as well as to deal with appeals.
- To provide and guide its employees about the status of accreditation, certification as well as licensure.
- Provide sufficient and necessary information about the composition of the provider network too.
- To use the emergency care services as when required by the employees of the organization.
- To obtain referrals to specialists
- Most importantly provide all the information regarding the quality, safety of the health benefit plan and the cost of the employer sponsored plan.Regulatory directives
According to the Employer Retirement and Income Security Act of 1974, it is necessary to provide all detailed information that the employees are entitled to that includes plan rules, covered benefits, documents about the plan management and operation as well. The employees are also entitled to receive a document with the summary plan description, known as SPD. The SPD contains- Information of the health care services that are covered in the plan.
- Description of what services are being provided by the plan and how these schemes function.
- It provides information also on how to calculate the benefits.
- Explanation on the cost that the plan covers and the cost that the beneficiary has to pay.Tools and Methods for communicating
There are various methods by which the Health Benefit Manager, on behalf of the employers, can communicate health benefit information to the employees:- One of the best ways is to communicate with the employees about the health coverage plan but providing too much information of it should also be avoided. The employees should be given the required time to understand the scheme and ask questions if any.- It is best to explain the changes in simple terms to the employees to make them understand.- Apart from the employees it is also necessary to explain the health benefit plans to the health benefit managers so that they can explain it to the employees to.- Employers should be ready to face any questions asked by employees regarding the health benefit scheme and clear their doubts.- It is equally important as well to be direct and honest when discussing about the coverage plan especially if employees face cost increase due to the coverage plan.- Discussing the 5C’s too is essential with the employees. This 5C’s include cost, changes in plans, coverage of the plan, comparison of the previous year’s plan and also the current option.- It is necessary to provide information the employees about the health care providers that are available in the revised and new plan option.- Providing testimonials of other employees about the changes in health benefit plans can also be quite helpful for the present employees.- Taking the help of various means like internet, face to face discussions, telephonic conversations, office intranet as well as printed materials can be helpful too. However it is also necessary to use materials that are easily understood by employees.Using health communication campaignsWhat are its advantages?- It is important for the employers to conduct communication campaigns to educate the employees about the need of health benefit schemes and how they operate.- The responsible manager’s aim should be to identify the objective and aim of the health care campaign.- To develop health care message that meets the objectives and aim of the campaign.- Setting up the criteria for evaluation of the campaign and also the degree to which it is getting conveyed among the employees.- To implement and the campaign and make sure that the employees understand message that is being conveyed by the employer.- It is also necessary to make sure that the employees also to address the education need of the employees with language barrier, literacy issues etc.To conclude, an effective way to communicate about the health benefit scheme is the cornerstone of every business organization. In these schemes, employers can also guide and help its employees to select a scheme and explain every detail they should know. The authority should also explain the new health scheme option and also about the changes in the existing benefits. To improve the health plan costs the employer’s must keep in mind the factor of low health literacy. Health plans and employers should also be able to successfully communicate with employees. Lastly, employees and employers should also be able to communicate clearly about the health benefit plans.

Wondering how does owner financing work and how to use owner financing to sell your house quickly? The following insider information will reveal secrets bankers don’t want you to know.Out of the ” 8 different types of seller financing strategies ” that exist, the wrap around mortgage was one of more powerful ones used to sell houses in the 1980′s, when there was a deep recession like now and when the interest rates were in high 18′s and low 20′s.Real estate agents and brokers were faced with a major problem in the 80′s selling their clients houses at those street loan sharks interest rates. Owner financing became a solution for home owners who could not sell their homes due to the recession. The wrap around, was also used for those facing foreclosure and thinking about doing a short sale on their house.Owner FinancingIt simply involves the prospective person purchasing the house, where he or she gets a complete home mortgage from the home owner selling the home and not the local bank. The home owner selling the property takes the position of the lender ( the bank ) and then the buyer will now pay the home seller every month for the life of the loan.When Does One Use This OptionHome Seller – When the home owner has run into problems selling the house and just can not wait any longer to sell the house.Buyer – If for some reason the prospective buyer cannot get financing through traditional means like going to their local Chase or Citibank branch for a home loanLender Loan Restrictions – The bank will not finance a particular type of property for what ever reason.How does Owner Financing Work?It is quite simple – The home owner ( you ) eliminates the bank from providing a home loan to your prospective buyer. You as the home seller take some form of advanced payment from the buyer to secure the property & provide the home loan instead of the bank.The terms of this loan is all in a contract drawn by your attorney, it is a written promise to pay which requires the buyer to make monthly payments to you as the home seller for the agreed time in the contract.The house buyer with a trust note in his possession, has a binding contract as the buyer of this property legally, all without any red tape from a local bank. An additional legal piece of document lays out the right to take the property back if the buyer does not make his payments as agreed upon.What Types of Property Are Good For Seller Financing?If the home owner is in some form of distressed situation and need to sell the house quick, or the property is in pretty poor shape, or the just sitting there and not rented out, then he or she may consider seller financing.Things to be considered is when the property has a some form of tax lien or mortgage attached to it. This option is most suitable when the house is free and clear of any existing loans on the property.8 Ways You Can Benefit From Owner Financing* Speedier sale.* No waiting for bank approvals.* No bank or origination fees to the buyer.* The process and document preparation is much lighter.* The down payment can be made smaller to sell quicker & appraisal avoided.* Flexible terms can be arranged for you and the buyer unlike bankers.* You may be able to get closer to the price you are looking for since you are financing and the buyer is having trouble getting financing from traditional lenders.* You may make future income from the interest rate you set to the buyer.Double ClosingMost home owners object to this type of financing arrangement, primarily due to not receiving full payment of the sales price when their house is sold. The Solution use what is called a ” Double Closing “. You the home seller, just sells your note to a note buyer immediately right after the right after the closing.Everything remains the same when the note buyer purchases the note, terms * interest stay the same and this in no way affects the house buyer.Issues with Owner FinancingThe biggest issue with this option is, it seems to difficult to do, but with the help from an attorney it can actually be a simple process.Another issue is, to being sure about the buyer and how responsible they will be. Different creative solutions can be applied like getting 2 – 3 advanced monthly payments.If the buyer defaults the home seller feels like they are not equipped to handle this, but with the right attorney and help you the seller can repossess the property.Owner financing – if used properly is a very powerful creative financing tool to get your house sold right away, if it sounds like a possible solution that you would consider, seek out professionals that use these themselves and are familiar with them to explain to you how does owner financing work.Now that you are more educated about owner financing, and wish to learn more… here are 8 tips for selling your home using seller financing are 8 types of seller financingNow that you know how owner financing works, discover the 8 different types of owner financing home sellers have used to sell their home. Visit our blog category section “house selling tips” for more helpful information… Click Here Now: How Does Owner Financing Work

Information technology training for IT managers and systems analysts may seem superfluous – these folks are usually well-learned in their areas of expertise. But, do they understand how a company’s technology fits into the bigger picture from a business perspective? That’s where management training becomes important. Every manager who plays a role in researching, selecting or implementing enterprise technology needs to have a firm grasp on the basics of emerging technologies, as well as how they serve a larger business purpose, to ensure that technology is being used to the company’s best strategic advantage.Stay Current on Revolutionary, Emerging Technology ApplicationsA program of continual information technology training is crucial to the success of any IT team. Technology is constantly evolving, and it seems that there is a new application released every day that is meant to simplify doing business. This can be overwhelming if you do not stay current on the high-level trends of technology and their corresponding impact on business. With the Web 2.0 revolution in full swing, management training is a useful tool for managers to become familiar with the online trends such as blogs, wikis, podcasts and RSS feeds, as well as how the trends are going to change the ways we view the Internet and communicate with each other. It is estimated that these technologies will have significant business impact in the coming years, and companies everywhere have to consider directly how it affects their business strategies.Information technology training can help managers determine the impact of new technologies and how to adapt their business processes. Trying to envision how Web 2.0 changes traditional business models is difficult when you have no knowledge of how these new technical applications are being used from a business perspective. First and foremost, managers must take it upon themselves to become proactive by keeping abreast of emerging trends and understanding them not only from a technical standpoint, but evaluating them from a higher-level, strategic standpoint. Management training courses on technology focus specifically on the ways that emerging technologies affect businesses on a high level. This is the type of knowledge needed to make conscious and informed decisions on what aspects of new technologies will affect your organization in the next few years and transition your thoughts into strategic action and implementation.Collaboration and information sharing, within and outside of enterprises, are two areas that have made huge strides that management training can help your organization harness to improve business strategies. The advent of user-created content sharing has transformed the way that enterprises communicate. Enterprise-class blogs and wikis boost productivity and innovation by enabling ad hoc teams to participate in complex, collaborative problem solving, and then make the results available to the rest of the organization with ease. Information technology training gives managers the high-level information about these technologies that they need to bring them effectively into your organization.Large companies will often struggle the most with adopting new business strategies based on emerging technologies due to organizational inertia and the lag that comes from changing any integrated system. Not only do the right people need to be convinced of the value of a new application, but the proper infrastructure often needs to be developed or tweaked to implement the technology. This is where the importance of management information technology training to understand the potential impact of technology from a business perspective comes into play.Management Training for Appropriate Technology Selection and RecommendationManagement training courses typically deal with logistics and personnel management but fail to guide managers when it comes to making decisions about technology. As a manager in today’s world, what really matters isn’t just your ability to lead and maintain technology infrastructure – it’s your ability to deliver positive business outcomes. Cutting IT costs and managing infrastructure are only part of the equation. Technology must also reduce business risk and generate new opportunities and growth. Information technology training can help managers transition their views of technology as an isolated island off the coast of a business and look at it as one working part of the whole machine that is the organization.Finding a cool application that has all the shiny bells and whistles you dreamed of and recommending implementation based on the technology’s sheer innovation is no longer enough to make a good business case. Before presenting a recommendation, you must understand every step involved with the successful implementation of the technology. A thorough study will need to be conducted to determine what departments, processes and functions will need to be modified in order to benefit from the new technology. Management training courses focusing on information technology gives managers the tools they need to make that determination.If you are going to make an impact on the decision makers of a business, you have to get on their level. When it comes down to making a decision, for many business people it is all about the numbers. That is why it is essential to participate in information technology training courses that help you perform your due diligence and gather the data you need to compile hard numbers around your recommendation. What is the true return on investment that the company can expect to achieve by implementing the technology? It is much easier to convince an associate of the merits of your idea if you can show a real increase in profit based on proven research instead of attempting to sway them based on opinion only.ConclusionTechnology is rapidly changing the way that businesses communicate and function every day. It is important for managers to take a proactive role in understanding emerging technology trends and how they may affect a company’s business model by investing in an ongoing program of information technology training for all levels of staff. Management training in particular is essential for ensuring the right technologies are pursued to ensure business success. Viewing technology as a direct influencer on the business as a whole ensures consistent alignment of goals throughout the enterprise.