State wise changes in Workers Compensation Insurance Laws

Workers' compensation usually covers the Injuries or loss of limbs, Injury inflicted at work, Medical treatment, Lost wages, Liability insurance for the company for lawsuits filed by injured employees.

To see the changes in the laws of the Workers compensation, follow the link below...
State Laws

Long Term Care Statistics

Have a look on the following data for the Long-term care costs. You would certainly think to get an insurance policy on long-term care.

• The average person's chances of being admitted to a nursing home at some point of 65 years of age more than 4 in 10.
• One person in three who turned 65 in 1990 will stay a year in a nursing home. One person in 10 will stay five years or more. (NAIC)
• Recent studies report that two out of every five people aged 65 and over will enter a nursing home and stay an average of 2.5 years. (Life Insurance Selling, December 1995)
• In 1994, 7.3 million Americans needed long-term care (LTC) services at an average cost of nearly $43,800 per year. By 2000, this number rose to 9 million Americans at nearly $55,750 per year. Because of inflation, by 2060 it will skyrocket to 24 million Americans paying more than $250,000 per year to receive long-term care.
• On an average the nursing home care costs is about $40,000 per year.
• More than 90% of nursing home residents become insolvent within a year after admission as private-pay people.

Currency Insurance

One idea has popped up in my mind regarding the Currency Insurance. Usually the currency insurance is meant by a policy which protects the agreed future exchange rate which is being fixed in the current period against the cost of the premium.

But what happens to those currencies which are destroyed/lost due to the fire, vandalism or any other calamities? What happens if my son destroys a bunch of $ unintentionally? Is there any insurance to provide the coverage? If so, what about the cost?

I must try to find out the answers. If someone provides answers that will be a great help!

Insurance Community

I have found some of the insurance communities.... those are really helpful in resolving the queries related to insurance. Insurance industry experts are providing the guidance to manage and/or maintain the insurance policies. If you are in trouble with your insurance policy and might not be able to find answers in the tight situations, these forums can help you out to get rid off the probs.

http://www.ampminsure.org/
http://www.insurance-forums.com/
http://forum.doityourself.com/forumdisplay.php?f=53
http://www.money-talk.org/board.html