Guy Work

By Alan Carr28

 The economy of today is extremely volatile and unpredictable. With companies being hit badly by the recession and rollbacks, it has become a difficult task to stick to a single job for a long period of time. In fact, the recent setback faced by the company led to a lot of people losing their jobs. Unemployment is debilitating to both individuals and the economy. The high cost of living and inflation can make it very difficult for people to meet their daily needs. This is why the demand for unemployment protection insurance has gone up tremendously. This is very safe and acts as a net to protect employers from financial bankruptcy.

Also called redundancy insurance, it is a popular insurance scheme that allows for the financial protection of the unemployed. It enables them to obtain money from the government till they find a stable source of employment, in order to manage their livelihood. This policy ensures that the holder is able to take care of his daily needs without having to resort to extreme troubles. The redundancy cover is usually for a limited period of time. This may range from a period of 6 12 months. The individual is required to find a source of income within this period of time. Redundancy insurance is seen as a fallback for the unemployed and not the main source of livelihood.

There are certain criteria that are to be fulfilled if one is to apply for unemployment insurance. These include the fact of unemployment, the reasons behind the unemployment and the duration of unemployment. Any individual who has been deprived of a job due to an economic downturn or serious illnesses can apply for unemployment protection insurance claim. But any unemployment caused due to misconduct, voluntary retirement or resignation is not eligible for insurance cover. However, it needs be noted that at least six months ought to pass before people can apply for the claim. Another important criterion is that the premiums for the redundancy cover have to be paid regularly. Any defaulted payment will lead to a loss in the privilege. This would render the policy holder ineligible for any payment of the insurance claim. The policyholder should also give evidence that they are seeking new employment opportunities voluntarily.

Unemployment protection insurance can also help in matters like mortgage payments and rental payments in the duration of unemployment. This will help the individuals maintain a clean credit record. There are many insurance companies that are available online and offline that provide these important services to people. One must apply for a redundancy cover while in employment, in order for it to be legally valid. These insurance premiums do not have very high rates and are very beneficial in the long run. It is definitely a very vital financial asset in these unpredictable times. It is advisable for interested people to use the internet to find out more about the various redundancy covers available and choose the one that is most suitable to their work and finances. After the life insurance, unemployment insurance is the most highly rated financial scheme by the middle class public.

Alan Carr is the author of this article on Redunancy Insurance.

Find more information about Unemployment Insurance here.

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Everyday Routine Can Bore Doctors

By Erasmo Arthurs

 A doctor decides to swap his medical practice for a corporate office. His practice, though thriving, was too boring to suit him. He felt like all he was anymore was a doctor who listened and occasionally talked. The high cost of malpractice coverage forced his group of associated physicians to cease offering particular services such as obstetrics, surgery and treating complicated medical issues. His practice had turned into little more than a stopping point for the patient ultimately destined for a specialist.

This physician has since entered the corporate world as a medical development director of a large pharmaceutical manufacturer. Many bored physicians have found their desired challenge in the corporate world and more are following this example. The physicians who have become affiliated with corporations are fatigued by the trials of private practice, the prevalence of governmental and insurance-related meddling in medical matters, the political atmosphere in academia and the necessity of drumming up research money. There is one city that is eager to improve employee health and the safety of their products which is quick to hire such disenchanted doctors. While many doctors stay involved in the medical world with drug research or occupational health, the corporate world seems to have more to offer many of them than the medical world.

The compensation offered by the municipality can rival that of private practice. Some of the perks to being a corporate doctor include a 9 to 5 work schedule, travel, malpractice insurance paid by the company, time off given for studies or teaching, and a complete benefit package that’s quite competitive with private practice income.

Still, corporate physicians make up less than two percent of the entire physician population in the United States. Thousands of occupational medicine physicians are in charge of not only employee health but also industrial and product safety. This is not to say that all doctors involved in the corporate world work full time, there are over 10,000 doctors working part time in these types of roles. Insurance company medical underwriters, insurance company claim consultants and the pharmaceutical field employ thousands more doctors who have tired of private practice.

The evolving career of a certain chief medical director for a huge insurance company is a similar story for many corporate doctors. One doctor, already working in a private practice, took a job as occupational physician for a restaurant chain in order to make some extra money. What he didn’t realize is how hard he would work during this part time job, performing exams on food handlers at a rate of up to 60 patients in an hour! Later on, he became a medical director for several film studios and, with hesitance, he surrendered his medical practice. He found with the medical director job, he could do much more with the patient care because they weren’t worried about making the payment.

Many private physicians see themselves as automatons faced with ever-increasing obstacles in their quest for a viable business. They were seen as no better than a school nurse for a company. However, due to the change in laws, as well as attitudes, concerning occupational and product safety, corporate physicians have gains a greater respectability and involvement. The director of medicine at a large New York telecommunications firm states that achieving a new level of respect has been gratifying.

New physicians at the start of their careers can do really well in the corporate world. Older doctors can usually afford to sacrifice gross and net income for the benefits of corporate medicine. These corporate physicians stand behind their decision because the benefits that come along with the job are so much better than in private practice. Many of my peers, in the earlier years of private practice, considered occupational medicine a rather foolish choice for anyone to make. In one doctor’s opinion, many of those who did not make the switch are now envious of those who did.

Most of the corporate doctors who are pulling in the largest incomes are those who chose to give up their stethoscopes. One such example is a 78 year old multimillionaire physician who never actually practiced medicine. That doctor’s first million dollars, which he generated while he was still a medical student, was the direct result of the revival of his father’s laid up drug business. After his graduation from medical school he purchased a surplus army field hospital and set it up in Ural Mountain area of the famine stricken Soviet Union. It was there that he realized food, and not medicine, was what the people needed more than anything, so he brought grain to Russia and made those trade contacts the foundation of his lifelong career.

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