Protecting Workers from Falls

Construction sites are among the most dangerous places to work. Between one-third to one-half of fatalities among construction workers are due to falls, mainly from roofs, ladders, and scaffolds. But falls can also occur on the ground, when workers slip or trip while moving around the site. Even when these falls are not fatal, disabling injuries, whether temporary or permanent, can result. For employers, these accidents can be personally and financially devastating, leading to higher insurance premiums, fines, and expensive lawsuits. Because the consequences of even a single fall can be very serious, contractors must have in place a rigorous program for fall prevention. A good starting point is the Occupational Health and Safety Administration’s (OSHA) general industry fall protection standard, which includes systems and procedures designed to prevent workers from falling off, onto, or through working levels, as well as to protect employees from being struck by falling objects. …

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Long-Term Care: Better to be Safe Than Sorry

As you enter your “golden years,” perhaps you imagine yourself traveling, visiting grandchildren, or pursuing a favorite hobby. Unfortunately, none of us can predict what the future may bring. But, according to the U.S. Department of Health and Human Services, more than 70% of individuals over the age of 65 will ultimately require some form of long-term care (LTC). LTC refers to a wide range of medical, rehabilitation, personal care, and social services, whether in a nursing home, assisted living facility, or at home, for those who need assistance due to an illness or disability. If you should need LTC at some point, your world could change significantly, affecting not only your quality of life, but your finances, as well. For example, the national average cost of a semi-private room in a nursing home is more than $200 per day, which may be higher or lower in certain parts of …

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