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	<title>Van Beurden Insurance Services</title>
	<link>http://www.vanbeurden.com/blog</link>
	<description>Time to Rest Easy</description>
	<lastBuildDate>Tue, 31 Aug 2010 16:03:57 +0000</lastBuildDate>
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		<title>California Workers&#8217; Compensation Claims Costs Rise</title>
		<description><![CDATA[The Workers&#8217; Compensation Insurance Rating Bureau of California (WCIRB)  issued a statistical report on August 26, 2010 that shows the average cost of an indemnity claim reached $60,253 in 2009 &#8212; of which $19,682 was spent on indemnity and $40,571 was spent on medical costs. In comparison, the 2005 average cost of an indemnity claim [...]]]></description>
		<link>http://www.vanbeurden.com/blog/1615/rsanchez/california-workers-compensation-claims-cost-2010/</link>
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		<title>Follow-up on previous post</title>
		<description><![CDATA[Hit the link to see a recent column by Fresno Bee writer Dan Walters. I think if you read my previous blog and then read this article, it will clearly illustrate the situation that the Work Comp system is in here in California. Political pandering has muddled the real market condition and it will all [...]]]></description>
		<link>http://www.vanbeurden.com/blog/1606/guyt/follow-up-on-previous-post/</link>
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		<title>Travelers Claim Service Complimented by Customer</title>
		<description><![CDATA[We recently received correspondence from Travelers Insurance stating a customer contacted them praising one of their Claim Professionals. “Thank you so much for your professionalism and prompt response to  my communications. It has been a pleasure working with you to solve the issues surrounding this traumatic event. For that reason, I have recommended you and Travelers to our Homeowner’s [...]]]></description>
		<link>http://www.vanbeurden.com/blog/1597/afrommelt/travelers-claim-service/</link>
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		<title>Would you expect your car insurance to pay for oil changes?</title>
		<description><![CDATA[With the economy the way it is, people are thinking twice before spending money at the doctor&#8217;s office. In fact, I think it&#8217;s smart to ask for a bill every time you use any type of health services. When did we stop doing that? Health Insurance was designed originally to pay for emergencies, not for [...]]]></description>
		<link>http://www.vanbeurden.com/blog/1593/sherndon/would-you-expect-your-car-insurance-to-pay-for-oil-changes/</link>
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		<title>WCIRB Suggests 29.6% Increase in Rates</title>
		<description><![CDATA[It is unfortunate that the Commissioner of Insurance (Poizner) has repeatedly ignored previous suggestion of rate increases as it would hurt his chances of being Governor, but since he has ignored the warnings of the Workers Compensation Insurance Rating Bureau (WCIRB) (which is an apolitical, quasi-governmental actuarial department) it has come to consumers getting sticker-shock [...]]]></description>
		<link>http://www.vanbeurden.com/blog/1585/guyt/wcirb-suggests-29-6-increase-in-rates/</link>
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		<title>XactPay® From The Hartford is now available</title>
		<description><![CDATA[Introducing a brilliant three-step Workers&#8217; Comp premium payment strategy that can save you money: Van Beurden Insurance  is currently placing Workers&#8217; Compensation accounts in The Hartford XactPay® system. It&#8217;s the fastest growing payment format in the industry. More than 60% of all employers currently use some form of &#8220;instant&#8221; pay for their workers comp policy. [...]]]></description>
		<link>http://www.vanbeurden.com/blog/1576/mbeall/xactpaysm-from-the-hartford-is-now-available/</link>
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		<title>A Successful Workers&#8217; Comp Final Audit Protest</title>
		<description><![CDATA[Our assistance as Work Comp Advisors has just resulted in major savings by one of our clients. What originated as a $79,422.70 additional final audit billing has been successfully protested and reversed resulting in a $4,317.30 premium return. This is a total difference of $83,740 and took three weeks to resolve. Our client now has [...]]]></description>
		<link>http://www.vanbeurden.com/blog/1550/mobryan/workers-comp-final-audit-protest-a-success/</link>
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		<title>Are Your Valuable Possessions Protected?</title>
		<description><![CDATA[People who own valuable possessions such as jewelry, antiques, paintings and other fine arts need broader coverage than what a basic homeowner’s policy provides. Although most homeowners’ insurance policies will pay for items damaged by losses such as fire and theft, scheduling these items expands coverage to protect additional losses such as mysterious disappearance, lost [...]]]></description>
		<link>http://www.vanbeurden.com/blog/1547/afrommelt/are-your-valuables-protected-2/</link>
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		<title>Can Employees Smoke Medical Marijuana at Work?</title>
		<description><![CDATA[Here&#8217;s a very interesting and relevant question answered by HR Attorney Pamela Fyfe of Nonprofit Insurance Alliance Group at http://www.blueavocado.org/content/can-employees-smoke-medical-marijuana-work .]]></description>
		<link>http://www.vanbeurden.com/blog/1542/mobryan/can-employees-smoke-medical-marijuana-at-work/</link>
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		<title>Payroll Reporting Made Easier</title>
		<description><![CDATA[Today in our weekly meeting at Van Beurden Insurance, we discussed the requirements that the IRS is going to have for small businesses, in regards to reporting their Group Medical Insurance expenses. Payroll reporting is getting more confusing for all of you business owners, and a Payroll company like Payality, can make your life a lot [...]]]></description>
		<link>http://www.vanbeurden.com/blog/1538/sherndon/payroll-reporting-made-easier/</link>
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		<title>Are Rates for Private Plans Going Up?</title>
		<description><![CDATA[I&#8217;ve been doing my yearly rate reviews for expected increases, and, up to now,  Anthem has not had any. HOWEVER, I just spoke with them today, and they told me to be on the lookout for September. I&#8217;m on the edge of my seat. I have to say this also;  I have several clients with [...]]]></description>
		<link>http://www.vanbeurden.com/blog/1533/sherndon/rates-for-private-plans-going-up/</link>
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		<title>Employee Health Equals Money</title>
		<description><![CDATA[We are all hearing about wellness, and how it can affect your companies bottom line, if you have unhealthy employees. Keeping  people healthy is the most effective way to reap the financial benefits of cost avoidance. The cost of prevention drastically reduces health care costs, and directly impacts an employees ability to remain productive. If you [...]]]></description>
		<link>http://www.vanbeurden.com/blog/1528/sherndon/health-equals-money/</link>
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		<title>Pet Injury Coverage available with your Auto or RV policy</title>
		<description><![CDATA[What happens if a dog or a cat is injured in a car accident while riding with you? You may need help paying bills for the veterinarian or for medication. One of our companies offers $1,000 worth of coverage &#8212; complimentary &#8212; if you purchase Collision Coverage for your vehicle. Whenever your pet is injured during [...]]]></description>
		<link>http://www.vanbeurden.com/blog/1523/imcgraw/pet-injury-coverage-available-with-your-auto-or-rv-policy/</link>
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		<title>Flood Insurance Program set to lapse for the FOURTH time this year!</title>
		<description><![CDATA[Congress will be adjourning without passing a bill that will reauthorize the National Flood Insurance Program (NFIP)]]></description>
		<link>http://www.vanbeurden.com/blog/1515/aniek/flood-insurance-program-set-to-lapse-for-the-third-time-this-year/</link>
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		<title>CA Individual Anthem Blue Cross Update</title>
		<description><![CDATA[Good afternoon world! I want to update a previous post and let every individual Anthem Blue Cross policy holder know they will not be experiencing the rate increase proposed earlier in March. Per the CA Department of Insurance, Anthem Blue Cross had 2 math errors in calculating the new rates. This is great news for [...]]]></description>
		<link>http://www.vanbeurden.com/blog/1442/dbittick/ca-individual-anthem-blue-cross-update/</link>
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		<title>Section 125 Plans Work &#8230; If You Have One!</title>
		<description><![CDATA[Contributory payments made by the employer in connection with group insurance, stock purchase plans or qualified retirement plans and deferred compensation plans are not to be included in the payroll you report for workers' comp. Plan must be qualified under Section 125.]]></description>
		<link>http://www.vanbeurden.com/blog/1439/tmoshier/section-125-plans-work-if-you-have-one/</link>
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		<title>The Value of a Managed Provider Network Review</title>
		<description><![CDATA[Do you review your carriers' MPN?  What criteria do you use when reviewing a carrier?]]></description>
		<link>http://www.vanbeurden.com/blog/1434/kfrost/the-value-of-a-quality-mpn/</link>
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		<title>The Truth about Cell Phones and the Do Not Call Registry</title>
		<description><![CDATA[Despite Re-Circulating E-mail, It is Still Not Necessary to Register Cell Phone Numbers]]></description>
		<link>http://www.vanbeurden.com/blog/1422/cmillan/the-truth-about-cell-phones-and-the-do-not-call-registry/</link>
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		<title>Self Insured Group Goes Down</title>
		<description><![CDATA[And might take its members with them. The following is from a recent article from the Insurance Journal Online. California Contractors Self-Insured Group Closes By Patricia-Anne Tom April 30, 2010 The California Office of Self-Insured Plans is revoking the certificate of the Contractors Access Program of California (CAP), a self-insured group of contractors, as requested by [...]]]></description>
		<link>http://www.vanbeurden.com/blog/1393/guyt/self-insured-group-goes-down/</link>
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		<title>Personal Umbrella Insurance</title>
		<description><![CDATA[Do you have personal umbrella insurance?  If not, it could cost you a fortune! If you have assets that are greater than your current insurance liability limits, you should protect them with an umbrella policy.  With the frequency of lawsuits increasing dramatically it has become more important than ever to make sure that you are adequately [...]]]></description>
		<link>http://www.vanbeurden.com/blog/1376/bclyborne/1376/</link>
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