Let's say you are playing with your family in the front yard and while throwing a ball, you get a terrible pain in your shoulder. The doctor discovers a torn rotator cuff and schedules you for surgery. The average cost: about $2,000.
Now, let's say you suffer the same injury, only you do it while you are at work. Same shoulder injury, same diagnosis, same operation. However, because it's a worker's compensation claim, the operation will now cost on average more than $10,000.
This isn't a hypothetical. These are actual numbers from the New Hampshire Department of Insurance report comparing group health medical costs versus worker's compensation medical costs. On average, the shoulder surgery was five times more expensive because it was a worker's compensation claim.
Recently, the Insurance Department compared identical services filed in workers comp to group health claims. The findings are eye-popping:
Surgeons in New Hampshire charge 2 1/2 times more for workers comp surgeries
Ambulatory surgery centers charge 3 1/2 times more in workers comp
Radiology charges are 2 times higher in workers comp
As a business owner, this is appalling. This is either a massive tax on businesses or a hidden fee to benefit health providers. Either way, New Hampshire inexplicably holds the dubious honor of having the highest worker's compensation costs in the region, and among the highest in the U.S.
The Department of Insurance report shows our comp costs are a whopping 58 percent higher than neighboring states. Surgeries, like the rotator cuff example, are 100 percent more expensive in New Hampshire than anywhere in New England.
I applaud Governor Maggie Hassan for recognizing this problem. It is a crippling cost for small business owners. The governor created a special commission this year and told members to recommend ways to lower worker's compensation costs in New Hampshire.
Unfortunately, as the commission wraps up its work this month, all we get is a split decision. We have two separate reports from the commission, because the group can't agree on the size and scope of the problem.
The majority report recommends the state create a database to track workers comp medical costs. Unfortunately there are several problems with this: the data is already available to the state, the database would cost the state and employers money to create, it would take years to develop and doesn't even address the problem at hand. This approach protects the medical community, but it does nothing to help business owners like me.
A minority report from the commission may have an answer. It offers a solution that's in place around the country and is also N.H. specific. We could create a cost containment schedule that ties workers comp claim payments to general health care payments. Sometimes, worker's comp cases are more burdensome to providers; where that occurs, an additional payment amount should be added.
The Insurance Department collects group health payment info in its Comprehensive Health Care Information System (CHIS). The CHIS database could act as the reimbursement rate benchmark for workers comp payments. Even Roger Sevigny, the Department of Insurance Commissioner stated a fee schedule would indeed reduce costs and encouraged the use of the CHIS database
A cost containment schedule is fair and transparent and not difficult or expensive to implement as it uses the CHIS database.
We also need to remember that worker's comp is only about 3 percent of the medical community business. The other 97 percent is general health care — not comp. If the medical community already accepts general health payments for non-work related injuries, why require businesses to pay upwards of 200 percent or 300 percent more for the same treatment? The focus needs to be on mending N.H.'s workers, not milking the system.
Employee access to doctors or hospitals will not be affected since the reimbursement will be based on existing N.H. general health costs which represent 97% of all medical costs.
Let's get these costs under control and fix our worker's compensation system. Stop adding insult to every employee's injury.
(Dennis Gaudet is CEO of AutoServ of Tilton. He chairs the N.H. Auto Dealers Workers Comp Trust.)
Last Updated on Wednesday, 24 December 2014 06:50
"NYPD, KKK, How many kids did you kill today?"
That was one of the chants of anti-police protesters in New York City. Another was, "What do we want? Dead cops! When do we want them? Now!"
Well, the marchers got their wish Saturday in Bedford-Stuyvesant when Ismaaiyl Brinsley, 28, firing into a patrol car, murdered NYPD officers Rafael Ramos and Wenjian Liu.
The two were executed by this criminal who had just shot his girlfriend outside Baltimore and used social media to say he was going to Brooklyn to take revenge for Michael Brown and Eric Garner.
"There's blood on many hands tonight," said Patrick Lynch of the Patrolmen's Benevolent Association, "That blood on the hands starts at City Hall in the office of the mayor."
Echoed Ed Mullins of the Sergeants Benevolent Association, "The blood of 2 executed police officers is on the hands of Mayor de Blasio."
Ex-Governor George Pataki called the murders "a predictable outcome of the divisive anti-cop rhetoric" of Bill de Blasio and Eric Holder.
When de Blasio arrived at Woodhull Hospital where Ramos and Liu had been taken, scores of cops turned their backs.
Rudy Giuliani dissents. "The blood is not on his hands. ... That's an incorrect and incendiary charge." But, adds Rudy, "The protesters should not have been allowed to take over streets the way they did."
Indeed, they should not. And here is where the moral culpability of de Blasio, Holder, Al Sharpton and President Obama lies. They gave aid and comfort to the cop-haters and cop-baiters.
When did any of these four speak up or speak out to denounce the blocking of squares, highways, bridges, tunnels, shops and stores, from New York to the Mall of America?
When did they denounce the protesters for their hateful anti-police rhetoric? When did they demand that these mobs go home and respect the rule of law and decisions of the grand jury, even if they disagreed?
When a Staten Island grand jury voted not to indict NYPD Officer Daniel Pantaleo in the death of Eric Garner, the mayor did not urge the city to accept it calmly, but expressed astonishment, called it a "very painful day for so many New Yorkers," and said he had warned his biracial son to be especially careful dealing with cops.
De Blasio was feeding the myth that cops, especially white cops, are what young black males should fear most.
That myth is a big lie.
After the shooting death of Michael Brown by Officer Darren Wilson, Holder flew to St. Louis, decried racism, which had nothing to do with the shooting, ordered the FBI to conduct it's own investigation, and declared, "I am the Attorney General ... but I am also a black man."
When a St. Louis County grand jury concluded no crime had been committed in Ferguson, that Wilson acted in self-defense, Holder said his department would look at charging Wilson with violating Brown's civil rights.
In an increasingly ugly national clash between police and black communities, Holder did not stand squarely for the rule of law; he and the president took sides against the cops and stood with their own.
"If I had a son, he'd look like Trayvon," said Obama, flashing a signal of racial solidarity in a blazing issue dividing his country and in which his allies, Revs. Sharpton and Jesse Jackson, were stirring up crowds with incendiary rhetoric.
The Wall Street Journal writes today, "Especially in urban America, the police walk that line between civilization and mayhem every day." Others say that the thin blue line stands between us and anarchy.
True. But what does it say about our country that, if the police took a week off, our cities would descend into mayhem. What does it say about the character of the people upon whom our democracy depends? Would the America of the Founding Fathers have descended into mayhem or anarchy if police were not a huge and visible presence? Would the America of the 1940s or 1950s?
In D.C. last week, an exasperated Police Chief Cathy Lanier said: "All of these protests that are blocking traffic, it's pulling police officers out of the neighborhoods that need the police the most. ... So how do I prevent homicides and shootings and violent crimes and robberies and burglaries right before the holidays if all my cops are directing traffic around 30 guys that want to be out there at 11 o'clock at night laying in the middle of Chinatown?"
Consider the chief's statement. Is it police brutality or police violence that worries her? Are cops committing those homicides, shootings, violent crimes, robberies and burglaries? Or does that crime come out of the poor neighborhoods the cops are trying to protect?
That's the real D.C. That's the real America. Unfortunately, de Blasio, Sharpton, Holder and Obama are either too blind to see it or will not concede it because they fear speaking truth to their followers. "To sin by silence when we should protest makes cowards out of men."
(Syndicated columnist Patrick J. Buchanan is the author of the new book "The Greatest Comeback: How Richard Nixon Rose From Defeat to Create the New Majority.")
Last Updated on Wednesday, 24 December 2014 06:42
Christmas . . . the season when hope is accentuated.
It all started when a young Jewish girl named Mary, a virgin, was asked if she would be the mother of the hoped for Christ child. She agreed, and Christmas is the time when we celebrate His birth.
The birth of the Christ child brought hope for peace in the world. While some defy the hoped for peace, most people continue to hope and pray that it will come. As strange as it may sound, many have fought and died in an effort to rid the world of tyranny and to achieve peace in the world.
As people shop in hope of getting that perfect gift for a friend or loved one, we remember that God gave us the perfect gift . . . the gift of forgiveness and the hope of life everlasting . . . when the Christ child paid for the sins of humankind.
Today, children hope that Santa will overlook their misdeeds and remember only the pleasure they brought to others. Of course they also hope that that Santa will remember to put that hoped for toy or toys under the Christmas tree.
Mom and Dad hope that the kids will be pleased with their gifts, and hope their day will be filled with joy.
There is hope too, that those who believe the universe and all life forms are simply because of a series of coincidences, will have their road to Damascus moment. The hope is that they become enlightened so that they may share in the hope and happiness enjoyed by those who believe.
During the Christmas season, as hopes and prayers for peace abound, charity of spirit towards others just seems to become easier to do. We hope that charity of spirit will ease the racial tensions that have been recently heightened.
As we see the Salvation Army kettles, we have multiple hopes that cross our mind . . . we hope that those in need can have their prayers answered . . . we hope that the joy of Christmas will give them comfort and bring them hope . . . and we hope the families will find their way to better days . . . and we give thanks for those in the Salvation Army who devote their lives to bringing hope to those less fortunate.
We read the signs in from of St. Vincent de Paul telling us how many families need help in filling their larder so that they can have a festive meal, and we hope as those families do, that the joy of the season will cause people to share in their bounty. And we are thankful for all those at St. Vincent de Paul who work to make that happen.
We are thankful too, for all those individuals and organizations that work and contribute their time, effort, and money, to hopefully ease the burden of those in need.
And, we hope that our military serving in locations across the globe will be safe as they work to bring peace where there is conflict. And we give them our grateful thanks and hope and pray they will return home safely to their family, friends, and loved ones.
We hope too, that those who are in harm's way will have their peaceful moments as they, hopefully, enjoy a phone or Skype call and share their love with their families so far away.
And we hope that carolers will bring the spirit of Christmas to those in nursing homes and to neighborhoods so all can feel the joy of the season.
We hope that our Churches are full as children present the nativity scene and, as the play ends, the lights are dimmed as each member of the congregation holds their lighted candle and reverently sing all the verses of "Silent Night".
On that eve of Christmas, we hope that there is no one who is homeless, that a room at the inn has been found for everyone.
As we head off to bed, we hope that we will wake to see that Santa Claus and his reindeer remembered the address to our house. We hope too, that he drank the milk and ate the cookies we left for him . . . and, of course, we really, really hope that he got our Christmas letter telling him the things we wished for.
A Merry Christmas and a Happy New Year to all.
And, by the way, Ho-Ho-Ho is short for Hope-Hope-Hope.
(Bob Meade is a Laconia resident.)
Last Updated on Monday, 22 December 2014 08:57
There were 67 residential home sales in November 2014 in the communities covered by this real estate market report. The average price came in at $286,956 and the median price point was $201,000. Last November we had 89 sales at an average price of $227,738. That's a pretty hefty drop in the total sales number but at least the average sales price is up!
Just about everyone knows a young couple that's getting married. And like most newlyweds-to-be, they are probably dreaming of buying their first home together but struggling to save enough money for a down payment. I was surfing around the internet looking at real estate articles the other day and found a website that just might help them. It is cleverly called Hatch My House.
A lot of couples today have been living together for awhile and quite likely have accumulated much of the day to day items a married couple would need. So, instead of registering at Williams and Somoma, Bed, Bath and Beyond, or Macy's or gambling that you won't get three salad bowls, four toasters, and three Keurigs as wedding gifts why not register at HatchMyHouse.com? Hatch My House allows your "guests" to give toward a down payment for your first home. Seems like a better idea than returning a bunch of duplicate items you don't need.
This website was developed by a couple who were living together and had all the "stuff" they needed. But they were living in San Francisco where a down payment for a home seemed to be an unobtainable goal. They thought that with a small start from friends and family, they might actually be able to get a place of their very own. They created a website for their own wedding asking that in lieu of gifts they would love to receive money toward a home down payment. Their friends and family were more than happy to help them get their first home. In 2011 they turned the idea into a business venture and launched Hatch My House.
Here's how it works. First you go to the website to register and then you design your home choosing the style, color, and setting. There's a section where you can eloquently describe your goals and dream home. You know, tug on the heartstrings a little. You then would set up a Pay Pal account and link it to your bank account so that Uncle Pete or Aunt Clara can easily use their debit or credit card to send you a much deserved and generous gift. You even get to choose the price of the gifts but your guest can always change it to whatever they want. As your guests scroll over the house you designed they will see that they can "buy" you a window for $200, a door for $100, or go inside and "buy" a vanity or kitchen table for $150. Kind of neat actually.
Wedding guests often struggle with what to give the bride and groom and they sometimes hesitate to give cash but Hatch My House makes giving a cash gift a little more meaningful and practical. The website is full of testimonials and actual samples of previous registries for you to look at. The website could also be utilized for a young couple who already own a house together but need to do renovations that they can't afford.
Now that I've seen this site, there should be one for us older people celebrating many years of marriage. You know, it could be called BuildMyVette.com or SendMeToHawaii.com. I think I'm gonna work on that...
Pease feel free to visit www.lakesregionhome.com to learn more about the Lakes Region real estate market and comment on this article and others. Data was compiled using the Northern New England Real Estate MLS System as of 12/17/14. Roy Sanborn is a realtor at Four Seasons Sotheby's International Realty and can be reached at 603-677-7012
Last Updated on Wednesday, 31 December 1969 07:00
In this season of mass commercialism, let's pause to consider the plight of simple millionaires.
Why? Because we now share a common cause: Inequality. You don't hear much about it, but millionaires are suffering a wealth gap, too, and it's having a depressing impact on both their level of consumption and their psychological well-being. While it's true that millionaires certainly are still quite rich — indeed, they're counted as full members of the 1-percent club. But that generalization overlooks the painful and personally grating fact that mere millionaires today are ranked as "lesser 1-percenters." They don't dwell in the same zip codes as the uber-rich few, who comprise the uppermost 100th of the 1-percenters, with wealth starting in the hundreds-of-millions of dollars and spiraling up into multiple-billions.
No doubt you'll be saddened to learn that this divide between The Haves and The Have-It-Alls is widening. Astonishingly, plain old millionaires are being abandoned by retailers that are now catering to the most lux of the luxury market. For example, have you checked out what is happening in the yacht market recently? Sales of your 100-to-150-footers are down by as much as 50 percent from 2008, and that is just one indicator of the hidden suffering being endured by the merely rich.
In the same time period, however, yacht sales of your 300-footers, with price tags above $200 million dollars, are at all-time highs. As noted by Robert Frank, a New York Times wealth columnist (yes, such a rarefied beat does exist), "For decades, a rising tide lifted all yachts. Now it is mainly lifting megayachts.
"Whether the product is yachts, diamonds, art, wine, or even handbags," says the Times' chronicler of American wealth, "the strongest growth and biggest profitsare now coming from billionaires and nine-figure millionaires, rather than from mere millionaires." What this reflects is not the widely acknowledged wealth divide between the 1-percenters and the rest of us, but a stunning concentration of America's total wealth in the vaults of the ever-richer 0.01-percenters.
They are the elitest of the elites, an extravagant moneyed aristocracy, sitting so high above our society that they largely go unseen. This exclusive club includes only a tiny fraction of American families, with each holding fortunes of more than $110 million. The riches of these privileged ones keep snowballing — their outsized share of our national wealth has doubled since 2002, and their holdings are expanding twice as fast as other 1-percenters.
Their growing control of wealth is distorting high-end consumerism, including not just yachts, but private jets as well. Sales of your common millionaire-sized jets are down by two-thirds since the 2008 Wall Street crash. So jet makers have shifted to the billionaire buyers, including some who are spending eye-popping levels of lucre to possess such pretties as their very own Boeing 777-300 — which normally carries 400 passengers, rather than one gabillionaire.
Imagine how this makes people with only a few million dollars feel. This extreme, obscene concentration of wealth is creating an intolerable inequality that will implode our economy and explode America's essential, uniting sense of egalitarianism. It's important to remember that money is like manure — it does no good unless you spread it all around.
In the spirit of holiday harmony and good will toward all, I say it's time for you working stiffs (and even those of you who've been badly stiffed and still can't find work in this jobless economic recovery) to extend your hands in a gesture of solidarity with America's millionaires. Let's reach out to comfort our downcast brothers and sisters. Tell them, "We're all in this inequality fight together," and invite them to come to the next rally in your area to raise America's minimum wage above the poverty level.
(Jim Hightower has been called American's most popular populist. The radio commentator and former Texas Commissioner of Agriculture is author of seven books, including "There's Nothing In the Middle of Road but Yellow Stripes and Dead Armadillos" and his new work, "Swim Against the Current: Even Dead Fish Can Go With The Flow".)
Last Updated on Friday, 19 December 2014 08:11