We used to think there were only two types of diabetes—the type you’re born with (Type 1) and the type brought about by a combination of negative lifestyle factors (Type 2). A study published in the Journal of Diabetes Science and Technology summarizes that the term “Type 3 diabetes” represents a form of diabetes that
You’ve probably heard this horror story before — someone loses a home due to a flood and learns after the fact that standard homeowners insurance doesn’t cover flood damage. At Walsh Duffield, we want you to be educated about all of the risks you may face – before a loss occurs – so you can
We hear often from clients or prospective clients that they understand what it means to be a fiduciary. But when it comes to the specifics, there seems to be uncertainty. According to the 2017 Fidelity Plan Sponsor Attitudes survey, the second biggest concern for plan sponsors was fiduciary responsibility. Further, 76% of respondents to the
The latest in Cyber Security Trends and News Cyber security researchers recently announced the discovery of two major security flaws that could allow hackers to bypass regular security measures and obtain normally inaccessible data. The flaws, referred to as Meltdown and Spectre, are both caused by design flaws found in nearly all modern processors. These
One of the principal cost drivers of workers’ compensation claims are medical expenses for the treatment of job-related injuries and illnesses. Important indicators of how some claims become high dollar expenses are claims with a comorbidity diagnosis (multiple medical conditions or ailments) which, studies show, are likely to generate twice the cost of other claims.
On Dec. 20, 2017, the U.S. District Court for the District of Columbia vacated key provisions of the Equal Employment Opportunity Commission’s (EEOC) final rules for employer-sponsored wellness plans. However, to avoid disruption to employers, the court stayed its ruling until Jan. 1, 2019. The EEOC’s final rules allow employers to offer wellness incentives of
Over the last ten years, the dramatic rise in health insurance premiums has dominated the headlines. The premium increases are a reflection of the escalating cost of medical services. In the shadow of the health insurance predicament is the same upward pressure on medical expenses within the Workers Compensation system. On the job injury claims,
With the outside temperatures fluctuating and the snow melt we’re expecting later this week you should be concerned about excess water in your basement or the lower level of your home. Did you know that homeowners policies don’t cover water that overflows from your sump pump or backs up through your sewer lines? You need to add this coverage via an endorsement in order
Don’t Let the Cold Get to Your Pipes This Winter It’s hard to think of a worse start to a winter day in Western New York than turning on the faucet and … nothing. Maybe there’s a trickle of water, but it’s clear you have a frozen pipe. So, what now? Here are some smart
As we close the door on 2017, we reflect on all of the hard work and achievements that the year has brought us. Here is what we would consider Walsh Duffield’s Top 7 of ‘17: 1) Going and growing strong. With the dedication of our staff, we have experienced impressive double-digit growth compared to 2016.