Verdicts Settlements 51 Million Verdict Against a Pharmaceutical Company for Price Manipulation Tractor Trailer Car Accidents Medical Malpractice Birth Injuries Construction Accidents Product Liability Experienced New Jersey Personal Injury and Medical Malpractice Lawyers Fighting for the rights of the injured throughout the state Economists and financial experts have said that most people are one serious injury away from losing everything Even if you have a nice little nest egg set up for rainy days a truly catastrophic injury the broken back the thirddegree burns the cancer misdiagnosis can take away everything you worked so hard to earn When your familys future is on the line you deserve a legal team who knows how to fight back on your behalf Eichen Crutchlow Zaslow LLP is that team Our NJ injury and medical malpractice attorneys have secured millions of dollars on behalf of our clients Weve taken on highprofile cases that earned national attention and won We have the skills the experience and the resources necessary to see your case through to the end and we dont stop fighting until we know that you and your family are safe and secure With offices in Edison Red Bank and Toms River were only a phone call away when you need us the most The Jersey firm you know and trust Choosing an injury lawyer can be an overwhelming experience There are a lot of firms out there how do you know which one will actually fight for you At Eichen Crutchlow Zaslow LLP you get more than a team of experienced litigators you get a team who knows your name your experiences and your goals and who has your best interests in mind We know that your injuries might preclude you from coming to our offices during normal working hours so we make sure that were available to visit you or your loved one in the hospital or at the rehabilitation facility and your lawyer will return any phone calls you make within 24 hours Your case and your story are personal to us whether youve suffered an Our awardwinning team of attorneys is accredited by the Better Business Bureau and each of our partners is a Certified Civil Trial Attorney a designation granted by the Supreme Court of New Jersey We invite you to learn more about our firm and our team Barry Eichen Partner William Crutchlow Partner Daryl Zaslow Partner Aggressive legal strategies for victims of tractortrailer and vehicle accidents There are about 39000 miles of public roadways in NJ and some days it feels like youre sharing every one of those miles with a tractortrailer Whether youre on the Turnpike 287 18 202 or Route 9 those trucks are everywhere hauling goods up and down the coast And with more than 62 million drivers in our state its no surprise that there were 273473 car crashes leading to injuries in 2016 Eichen Crutchlow Zaslow LLP has represented numerous NJ clients who have sustained severe often lifethreatening injuries in collisions involving Tractortrailers Other cars Motorcycles Pedestrians and cyclists Uber and Lyft drivers Buses Trains These types of cases can often lead to serious lifealtering injuries Our firm proudly represented the family of James Jimmy Mack McNair the only person who died in the WalMart truck crash that injured Tracy Morgan in a wrongful death suit We know what you are up against when a trucking company puts it profits ahead of the safety of its drivers and of others sharing the roads Millions of dollars recovered for NJ victims of medical malpractice and OBGYN negligence SloanKettering New York Presbyterian NYU Langone CHOP UPenn All these facilities share two things in common theyre some of the best hospitals in the country and none of them are here in Jersey Thats not to say that we dont have some very good facilities but the truth is that even the very best doctors can still act negligently and even hospitals with excellent reputations can still drop the ball An act of medical malpractice where a doctor nurse surgeon specialist or administrator breaches his or her duty of care to a patient leading to an injury that cause damages can and does happen in hospitals all over this country every single day When it happens to you you deserve to have a team of medical negligence lawyers who know what it takes Eichen Crutchlow Zaslow LLP has secured tens of millions of dollars on behalf of NJ medical malpractice victims We have built a reputation for our work on behalf of cancer patients who have been misdiagnosed or who have their diagnoses delayed but we handle all manner of negligence cases including OBGYN malpractice and birth injuries Hospital malpractice Surgical errors Misdiagnosis of other conditions Delayed diagnosis of other conditions Physician negligence Opioid prescription lawsuits Fatal acts of medical malpractice We are also one of the few law firms in NJ which helps families pursue claims for wrongful birth and failure to diagnose genetic conditions These are incredibly delicate and incredibly tragic cases Like with all of the clients we help we promise to treat you and your family with dignity respect and compassion for the position you are in Fighting for the rights of injured construction workers According to the NJ Department of Labor there were 155000 construction workers on average in 2017 and even though we might be building fewer buildings the number of jobs in the industry is increasing Middlesex Monmouth and Ocean Counties combined represent the secondhighest concentration of construction jobs 28210 in the state and most workers are classified as laborers among the most dangerous jobs there are With this many projects ongoing and this many people working the chances are good that someone is going to get hurt While employees may be eligible for workers compensation independent contractors and day laborers might not be and there is where we come in Eichen Crutchlow Zaslow LLP represents employees contractors site visitors and others who have been seriously injured on or near construction sites who must file a personal injury claim in order to seek compensation Sometimes these claims involve manufacturers of defective tools or devices other times they may be premises liability claims Regardless of what kind of worksite injury claim you need to file we can help We also represent injured railroad workers who wish to file a claim under the Federal Employers Liability Act FELA Handling complex product liability litigation and classaction claims As a consumer you should expect that the products you buy will work in the way they are intended to work Everyone gets a dud now and then as any As Seen on TV shopper can attest but some product defects are incredibly dangerous and they put you and your loved ones atrisk Product liability litigation is a complex process and it can involve multiple parties the manufacturer the product designer the retailer etc Our firm has the resources to handle these claims whether its an individual lawsuit against a local manufacturer or a classaction lawsuit against a global conglomerate We routinely handle claims involving Dangerous drugs Defective medical devices Defective auto parts Dangerous toys and childrens products Dangerous household products Defective power tools Our mass torts department is also equipped to handle claims involving consumer fraud including internet privacy claims If a dangerous product was allowed to go to market or if consumers werent warned about the dangers associated with a particular product the civil justice systems allows them to seek legal recourse Were the firm that can help you see those claims through to the end Serious help for NJ clients with serious injuries Remember how we said that most people are only one serious injury away form losing everything You might be surprised how those injuries can occur Car and truck accidents cause the greatest numbers of deaths and injuries but spinal cord damage traumatic brain injuries limb amputations and burn injuries can be the result of almost any act of negligence At its core that is what a personal injury lawsuit is all about holding a person or entity which acted negligently and thus caused you harm and damages accountable for that action An unsafe sidewalk or a poorly lit parking lot at the local mall can lead to a fall or to an act of violence A neighbors dog which escapes from the back yard can bite a child The nursing home that leaves your elderly loved one vulnerable to neglect or abuse can and should be accountable The property owner who doesnt keep his or her premises safe can and should be held liable The government entity that takes your tax money but doesnt protect you or your fellow citizens can and should be held responsible for those actions At the end of the day when you have been hurt and you dont know what to do or where to start turn to us The NJ injury lawyers of Eichen Crutchlow Zaslow LLP have always fought on behalf of the little guy and weve spent decades honing our craft so that our clients have the best possible chance at the outcome they want We seek justice for our clients in settlement negotiations and in jury trials in state courts and federal courts in North South and Central Jersey When you need fighters were ready to go Are you hurt Lets get started Eichen Crutchlow Zaslow LLP is an awardwinning personal injury and medical malpractice law firm serving clients throughout New Jersey We offer free initial consultations at our offices in Edison Toms River and Red Bank and make inhome visits to clients who are too sick or injured to come to us To learn more about our services or to schedule a consultation please call 7323841331 or fill out our contact form Let us get to work for you

O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O

malpractice lawyers
eichen crutchlow zaslow


New

Jersey

Continuation

of

Coverage

for

Healthcare

October

Oct

By

NJBIA

Comments

Background

New

Jersey

requires

that

small

employers

employees

provide

expanded

continuation

of

healthcare

benefits

for

persons

who

lost

eligibility

under

an

employers

health

plan

New

Jerseys

continuation

coverage

law

generally

applies

to

employers

who

employ

fewer

than

employees

Employers

with

or

more

employees

are

covered

by

the

federal

COBRA

law

Employers

with

eligible

employees

are

covered

by

both

COBRA

and

New

Jerseys

group

continuation

requirements

Employee

Eligibility

for

Continuation

Any

employee

is

eligible

to

receive

continuing

coverage

as

long

as

employment

is

terminated

for

a

reason

other

than

for

cause

or

because

their

hours

of

employment

were

reduced

to

less

than

per

week

Spouses

and

dependent

children

are

also

eligible

for

coverage

In

the

event

of

an

employees

death

or

divorce

hisher

spouse

and

dependent

children

can

continue

coverage

under

the

employers

health

plan

These

situations

are

referred

to

as

qualifying

events

Time

Limits

An

employee

is

entitled

to

a

continuation

period

under

their

employers

health

benefits

plan

for

up

to

months

A

spouse

or

dependent

children

are

eligible

for

up

to

months

in

the

event

of

the

death

of

the

employee

or

divorce

An

employee

disabled

under

the

Social

Security

Act

is

eligible

to

continue

coverage

for

up

to

months

Eligible

participants

can

receive

coverage

until

the

employer

stops

providing

a

health

benefits

plan

the

employee

fails

to

make

timely

premium

payments

the

participant

becomes

covered

under

another

health

plan

or

the

beneficiary

becomes

eligible

for

Medicare

Frequently

Asked

Questions

How

much

can

the

former

employer

charge

the

qualified

beneficiary

for

coverage

The

beneficiary

can

be

required

to

pay

the

premium

but

it

may

not

exceed

percent

of

the

applicable

premium

or

percent

for

a

disabled

beneficiary

Premium

payments

should

be

made

within

days

after

the

due

date

or

within

a

longer

period

if

provided

by

the

policy

What

are

the

responsibilities

of

the

former

employee

Former

employees

that

choose

State

continuation

of

coverage

must

notify

employers

in

writing

within

days

of

termination

or

within

days

of

assuming

parttime

status

What

type

of

benefits

must

be

offered

under

State

continuation

of

coverage

The

coverage

must

be

identical

to

that

provided

to

similarly

situated

qualified

beneficiaries

In

other

words

if

an

employers

plan

is

altered

for

any

group

of

beneficiaries

the

continuation

coverage

must

be

modified

in

the

same

manner

What

if

the

cost

of

the

premium

goes

up

during

the

time

of

coverage

Employers

may

ask

qualified

beneficiaries

to

pay

an

increased

cost

but

the

rate

must

be

established

before

each

cycle

When

does

coverage

begin

State

continuation

of

coverage

begins

on

the

date

that

the

benefits

would

have

otherwise

been

lost

due

to

termination

of

employment

or

the

date

when

parttime

hours

begin

What

are

employers

responsibilities

under

the

State

continuation

of

coverage

requirement

Employers

are

required

to

notify

qualified

beneficiaries

of

their

right

to

continue

coverage

at

the

time

of

termination

of

employment

or

when

an

employees

hours

are

reduced

to

parttime

status

For

More

Information

More

detailed

information

about

New

Jerseys

continuation

of

coverage

law

issued

by

the

Small

Employer

Health

Benefits

Program

is

available

by

visiting

You

can

also

email

ellenderosadobistatenjus

or

call

ext

For

more

information

on

the

Federal

COBRA

law

the

US

Department

of

Labor

has

an

employers

guide

available

by

visiting

httpwwwdolgovebsapdfcobraemployeepdf

If

you

need

additional

information

please

contact

Chrissy

Buteas

at

cbuteasnjbiaorg

or

Effective

January

and

as

amended

effective

March

PL

Updated

October

This

information

should

not

be

construed

as

constituting

specific

legal

advice

It

is

intended

to

provide

general

information

about

this

subject

and

general

compliance

strategies

For

specific

legal

advice

NJBIA

strongly

recommends

members

consult

with

their

attorneys

Filed

Under

FastFacts

Tagged

With

Coverage

Continuation

Healthcare

Mary

Beaumont

Comments

marie

says

August

at

am

can

you

purchase

medical

insurance

without

cobraeventually

looking

to

retire

and

will

not

have

medicalis

this

possible

Susan

George

says

August

at

am

thanks

for

sharing

information

really

helped

me

Mary

Beaumont

says

August

at

pm

Youre

welcome

glad

to

help

Mary

Beaumont

says

August

at

pm

Hello

Marie

In

order

to

make

sure

I

understand

your

question

correctly

Im

going

to

contact

you

directly

Susan

Szczygiel

says

March

at

am

Hello

Mary

I

was

let

go

from

my

job

on

February

I

called

my

former

employer

and

asked

if

I

could

go

on

cobra

and

he

said

no

it

wasnt

availableDoes

this

law

apply

still

to

this

day

Kim

P

says

March

at

pm

For

Susan

S

Both

COBRA

for

employers

with

more

than

employees

and

NJ

Continuation

employers

in

NJ

with

employees

exist

inforce

today

You

mention

COBRA

so

if

your

employer

has

less

than

employees

you

technically

received

the

correct

answer

If

your

employer

has

fewer

than

employee

AND

is

fully

insured

you

should

be

eligible

for

NJ

State

Continuation

Ask

again

about

NJ

State

continuation

Valerie

says

April

at

pm

Is

there

a

general

notice

for

groups

under

Rich

Derrig

says

May

at

am

My

employer

did

not

renew

my

families

health

insurance

but

mine

is

still

active

I

have

a

wife

and

two

kids

now

with

no

insurance

I

have

tried

to

get

this

rectified

from

my

hr

dept

but

its

been

five

months

already

How

can

I

file

a

complaint

against

my

company

here

in

Nj

Pete

says

January

at

pm

What

legal

options

do

we

have

if

our

former

employer

never

notified

us

of

continued

coverage

after

termination

My

insurance

was

terminated

the

day

I

was

let

go

Less

than

employees

in

the

NJ

office

but

there

are

over

globally

does

that

factor

in

as

well

This

site

uses

Akismet

to

reduce

spam

Learn

how

your

comment

data

is

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O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O


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CALL US AT ONE OF OUR 4 LOCATIONS Rock Hill St Louis City West County St Charles Dog Day Care Dog Boarding Training Dog Training Puppy Training Dock Diving Agility Training Evaluation Schedule Training Log In Dog Day Care Dog Boarding New Client Form Rock Hill West County St Louis City St Charles About Rates Requirements Testimonials Employment THE MOST AWARDED DOG KENNEL IN ST LOUIS No Leash Needed Dog Training Book your reservations Lab Puppies at No Leash Needed Small Dog Day Care Small Dog Day Care Disc Dogs at No Leash Needed Dog Day Care No Leash Needed West Small Dog Day Care St Charles No Leash Needed is a premier pet care facility owned by local awardwinning dog trainers who know what makes dogs happy We offer superior dog boarding dog training and dog daycare at four convenient St Louis locations were your onestop solution for all your dog needs OUR SERVICES Dog Day Care Fun and Safe for Pets of all sizes Vets and trainers agree that the key to a happy wellbehaved dog is exercise Our indoor and outdoor daycare is a fun and stimulating way to exercise your pups mind body Playgroups are kept small and never left unattended so its a safe place for your dog to play We separate by size temperament and play style We even offer a mini dog room for our smallest dogs Dog Boarding Luxury Suite Accommodations Our canine guests enjoy topquality boarding to ensure personal care and maximum safety Each dog gets a private suite with an elevated pet bed We also offer a wide variety of activity packages to accommodate all types of dogs from group play fitness puppy programs and TLC packages for older dogs your dog is sure to have a great time at No Leash Needed Dog Training Balanced Training for a Balanced Dog No Leash Neededs awardwinning training programs are designed with your dogs success in mind From private lessons Day Training and Lodge and Learns we do it all We also offer specialized puppy training and dog sports Fill out our evaluation form to get started and schedule your complimentary oneonone training consultation Puppy Training Get Started on the Right Track We offer several options for your puppy including puppy preschool and private lessons The first few months of puppys life are critical for building a good foundation for future success Find out how we can help set your pup up for success today Dock Diving Can Your Dog Fly No Leash Needed is the only St Louis facility to offer Dock Diving Open Dock pool rental and private lessons are held from June to September To find out more call us at 6363339700 Dog Agility Dog Agility is Here We offer several agility classes including beginning and advanced classes We focus on having fun and teaching a new skill that nourishes the bond between the owners and dogs These are recreational classes therefore they are not suitable for those looking for competition driven classes WHY CHOOSE NO LEASH NEEDED We provide exceptional care and attention to your pet while with us Our award winning training programs safe and fun dog day care and premium boarding services make us a St Louis favorite when choosing the best pet resort for your dog We are proud members of several professional pet organizations that ensure strict standards when caring for your dog Call now to find out more information

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12 Simple Steps to an Estate Plan A checklist to help you take care of your family by making a will power of attorney living will funeral arrangements and more By Mary Randolph JD You may have heard that you need to make an estate plan but what does an estate plan cover and how do to make one Here is a simple list of the most important estate planning issues to consider 1 Make a will In a will you state who you want to inherit your property and name a guardian to care for your young children should something happen to you and the other parent 2 Consider a trust If you hold your property in a living trust your survivors wont have to go through probate court a timeconsuming and expensive process 3 Make health care directives Writing out your wishes for health care can protect you if you become unable to make medical decisions for yourself Health care directives include a health care declaration living will and a power of attorney for health care which gives someone you choose the power to make decisions if you cant In some states these documents are combined into one called an advance health care directive 4 Make a financial power of attorney With a durable power of attorney for finances you can give a trusted person authority to handle your finances and property if you become incapacitated and unable to handle your own affairs The person you name to handle your finances is called your agent or attorneyinfact but doesnt have to be an attorney 5 Protect your childrens property You should name an adult to manage any money and property your minor children may inherit from you This can be the same person as the personal guardian you name in your will 6 File beneficiary forms Naming a beneficiary for bank accounts and retirement plans makes the account automatically payable on death to your beneficiary and allows the funds to skip the probate process Likewise in almost all states you can register your stocks bonds or brokerage accounts to transfer to your beneficiary upon your death 7 Consider life insurance If you have young children or own a house or you may owe significant debts or estate tax when you die life insurance may be a good idea 8 Understand estate taxes Most estates more than 997 wont owe federal estate taxes For deaths in 2017 the federal government will impose estate tax at your death only if your taxable estate is worth more than 549 million This exemption amount rises each year to adjust for inflation Also married couples can transfer up to twice the exempt amount taxfree and all assets left to a spouse as long as the spouse is a US citizen or taxexempt charity are exempt from the tax 9 Cover funeral expenses Rather than a funeral prepayment plan which may be unreliable you can set up a payableondeath account at your bank and deposit funds into it to pay for your funeral and related expenses 10 Make final arrangements Make your endoflife wishes known regarding organ and body donation and disposition of your body burial or cremation 11 Protect your business If youre the sole owner of a business you should have a succession plan If you own a business with others you should have a buyout agreement 12 Store your documents Your attorneyinfact andor your executor the person you choose in your will to administer your property after you die may need access to the following documents will trusts insurance policies real estate deeds certificates for stocks bonds annuities information on bank accounts mutual funds and safe deposit boxes information on retirement plans 401k accounts or IRAs information on debts credit cards mortgages and loans utilities and unpaid taxes information on funeral prepayment plans and any final arrangements instructions you have made Keeping your documents organized will be a great help to your survivors You can create a complete estate plan quickly and easily with Nolos Quicken WillMaker Plus software

O O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I O O O O B I O O O O O O O O O O O O O O O O O O O O O O B I I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I O O O O O O O O O

estate plan
make a will
consider a trust


206 4877213 Top Robocalls Home Robocaller Warning 206 4877213 is a Robocaller Do not answer Listen Transcript Thats not a valid exist engine please try again Date Blocked November 2 2018 Call Activity Low Last detected 1 month ago Block this robocall and over 1272736 more Stop robocalls with Nomorobo Just last week 8827 people got Nomorobo protection I love NOMOROBO I tell all my friends and family about it I would like to see the option to block charities as well I get calls several times a day from different cancer societies asking for donations Anonymous Nov 29th 914am I love it I dont have to stop what Im doing or get up from my chair when eating This is fabulous and I just sent around your email to friends and family If they are as smart as I think they are they will be signing up shortly Carole S Nov 29th 920am thank you so muchit has really cut down those stupid interupting unwanted phone calls keep up the good work Jim Nov 29th 948am I like it very muchdata base needs to keep expanding and we have done our part Pete Nov 29th 1002am I thought I liked it at first But soooooo many calls get through The other day it was 3 in one hour Why is thatAnd almost never get the single ring that signifies a blocked call Jude Nov 29th 1028am It appeared to be working well when I first signed up months ago However within the last 2 months or so it doesnt appear to be working at all I got numerous political calls just before the electionwith none of that nonsense bring blocked and am still getting calls from some stupid Diane soliciting rug cleaning for which I can not opt out What happened to my robocall Sharon K Nov 29th 1114am I think its the best invention ever Since I retired Ive been amazed at the number of calls during the day not to mention at night up until 900 pm I love Nomorobo I let the phone ring if it stops after one ring I know I dont have to answer it And I dont have all those hangups on my voice mail either Thank you Nomorobo Deni C Nov 29th 1137am Love it Love it LOVE IT I have recommended it to all my friends My only complaint is that some of them have odd phone companies that dont support Nomorobo On cell phones Great Cant wait some family and friends have only cell Anne L Nov 29th 1202pm Block this robocall and over 1272736 more Stop robocalls with Nomorobo

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Return to Blog Homepage How to Improve Employee Engagement By Lauren Landry March 20 2018 Industry Advice Communications Digital Media Just 15 percent of employees worldwide are engaged at work according to Gallup data and its affecting companies bottom line Gallup estimates that disengaged employees cost the US 450 billion to 550 billion annually in lost productivity Thats a number that can keep business owners up at night says Dr Jackie Shannon an HR senior customer success specialist and parttime faculty member in Northeasterns Master of Science in Corporate and Organizational Communication program Prioritizing employee engagement can boost productivity and profit Organizations with stronger levels of employee engagement can increase revenue at a rate up to two and a half times higher than companies with low engagement scores reports management consulting firm Hay Group Unsurprisingly the more invested your employees are the better theyll perform But what does employee engagement actually entail Engagement is defined as an employees thoughts actions and behaviors that are directed toward the organizations goals and aligned with those goals says Shannon referencing research by Michael Bradley Shuck and Karen Wollard Theyre motivated to achieve the organizations goals Download Our Free Guide on the Skills Every Communicator Needs in the Digital Era From analytics knowhow to reputation management heres how you can stay competitive DOWNLOAD NOW Employees who are engaged find personal worth and fulfillment in their work One problem plaguing companies is that 85 percent of employees claim to function below their potential Either their daily tasks dont feel meaningful or their development fostered and valued If the work is the right alignment and theyre doing the proper task that will lead to employee motivation Shannon says because theyll be able to bring their full self into the activity The early work of William Kahn who coined the term employee engagement shares insights into what makes employees feel engaged According to Shannon that includes Experiencing a sense of value or worth in their work Feeling safe in knowing that if they bring their full selves to the job their talents will be accepted and recognized Being emotionally physically and mentally available to complete the tasks at hand Some employees might be motivated to earn a yearend bonus or higher salary but that doesnt mean theyre engaged Shannon explains In that instance theyre focused on personal gain not on helping the company achieve its bottom line Engaged employees work toward their companys goalsnot just their own If your company is experiencing high turnover and a disengaged workforce Shannon urges that senior leadership do a deeper dive to find out why She suggests companies complete a climate or employee engagement survey to better understand different departments needs and challenges Leaders then need to follow through and act on the results so that employees feel heard Shannon says Research shows that not acting on results can actually further increase disengagement Shannon shared an example of a large global organization she recently partnered with that deployed an employee engagement survey At the time she asked the senior vice president of human resources and each manager the same 12 questions and was surprised to see how consistent their responses were and how dedicated the leaders were at various levels of the organization to improving employee engagement As Shannon describes In this particular case there were themes that came out of the interviews One was that there were flaws in their organizational culture The company was made up of a lot of smaller acquisitions and this resulted in competing cultures among all the small businesses and a watering down of the culture All these new employees were coming in with different expectations of their new groups Employees were then demotivated because they didnt know the rules and what was rewarded or not rewarded How to Improve Employee Engagement While theres no onesizefits all approach to improving employee engagement there are several smaller steps you can take that could have a big impact on your organization Those steps include Listen to Your Employees Employees want to feel listened to Shannon says They want to know that what they say is important and they want to perceive that their manager is supportive of them Deploying an employee engagement survey can help Dig deeper to understand whats most meaningful to your teamjust be prepared to take action You want to collect insights and data that you can actually act on If employees dont see a change their opinions wont seem valued Focus on Fostering Managers Fiftythree percent of employees surveyed by the Society for Human Resource Management SHRM reported that a positive relationship with their immediate supervisor is very important to their job satisfaction The most effective relationships are centered on constructive dialogue according to SHRM which ranges from how ideas are received and exchanged to providing feedback on performance Gallup reports that managers are primarily responsible for their employees engagement levels and encourages companies to coach supervisors on building engagement plans They should then hold those supervisors accountable for tracking progress to ensure they stay actively focused on helping their employees grow and achieve their goals Provide Professional Development Opportunities Part of that employee engagement plan should include professional development Thirtynine percent of employees told SHRM that career development opportunities were very important to their overall job satisfaction Those opportunities could include more informal training such as peertopeer workshops or the attainment of a certification graduate certificate or masters degree By providing professional development opportunities companies show that they invest in their employees Whats more those opportunities help foster career advancement which 41 percent of employees say is very important to their happiness according to SHRM Create a More Autonomous Environment Once employees gain those new skills they need the opportunity to flex them Employees want an adequate level of creativity and autonomy in their role Shannon says and be able to use their skills on a daily basis Employees want to feel as though theyre providing value utilizing their strengths and progressing in their role The more freedom and flexibility they have in approaching projects the stronger their performance SHRM research shows that holding employees accountable for their work outcomes motivates them to produce better results Regularly Acknowledge Employees Hard Work When employees do achieve work outcomes leaders should take notice Employees want to know theyll be acknowledged for their hard work says Shannon noting recognition could be as simple as senior leadership congratulating certain individuals during an allstaff meeting Acknowledgement needs to be aligned with their work Shannon adds Engaged employees are not driven by money itself but they do want to know that theyre making a fair wage in the marketplace based on their work Above all employees want to feel valued And the more you support and engage them the more value theyll provide to the company Its a winwin Did You Know 83300 new communications and digital media jobs are expected to surface by 2022 US Bureau of Labor Statistics 2014 Master of Science in Corporate and Organizational Communication Communicate above the noise of todays digital age Learn More Keep Reading Business Career Advice Advancement Communications Digital Media Data Analytics Education Experiential Learning Faculty Stories Featured Government Civic Engagement Grad School Tips Advice Healthcare Industry Advice Innovation Entrepreneurship Leadership Legal Studies Military Graduate Program News Online Learning Tips Strategies Advice Project Management Regulatory Affairs 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O O O O O O B I I O O O O O O O O O O O O O O O O O O O O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O

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Yakimas Premier Coffee house HOME ROOM RENTAL GALLERY Downtown Yakima Location HOURS Mon Fri 6am 12am Now order and save time Its easy and convenient Order and pick up within 15 minutes Just pickup and enjoy New Click here to Order Online Saturday 7am 12am Named one of Top 51 Coffee Shops in America Sunday 7am 12am Click here for a map North Town Coffeehouse is Yakimas premier coffeehouse and is now located in the beautiful and elegant waiting room of the 1909 Northern Pacific Train Depot in the downtown historic district at 32 North Front Street Come by and let us know what you think What can you expect at North Town Coffeehouse For starters you can expect the finest quality coffee available in Yakima world famous Stumptown coffee interestingly Stumptown is a Portland company not a Seattle company Second youll find our baristas friendly and intelligent Ask them anything and theyll either know the answer or theyll offer you their opinion Third youll find us comfortable with couches and stuffed chairs and private corners maybe too comfortable And were plugged in with free Internet for the asking Come visit us soon It seems like were almost always open so youll like our hours

O B I I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O

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American Association of Notaries Inc are underwritten by Western Surety Company Universal Surety of America or Surety Bonding Company of America which are subsidiaries of CNA Surety

B I I O O O O O O O O O O O B I I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I I I O O O O O O O O O O O O O O O O O O O O O O B I I I O O O O O B I I O O O O O O O O O O O O O O O O O O O O O O B I I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I I I O O O O O O O O O O O O O O O O O O O O O O O

american association of notaries
florida notary seals


EDI Paper to Electronic Claim Crosswalk 5010 The following chart provides a crosswalk for each block of the 1450 UB04 paper claim form and the equivalent electronic data in the ANSI ASC X12N format version 5010 For additional information regarding loops and segments please access the 5010 Companion Guide and the 5010 Expectations When necessary to send documentation surgical notes admission summary etc with an electronic claim please refer to Chapter 11 of the Electronic Billing Guide There are no fields of a paper claim that crosswalk to the Claim Supplemental Information PWK segment 1450 UB04 Form Electronic Data Blocks Field Description Loops Segments Qualifiers Electronic Description 1 Provider Name 2010AA NM1 85 Billing Provider Name 1 Provider Address 2010AA N3 N4 Billing Provider Address 2 PayTo Name 2010AB NM1 87 PayTo Name 2 PayTo Address 2010AB N3N4 PayTo Address 3a Patients Control Number 2300 CLM Patients Control Number 3c Medical Record number 2300 REF EA Medical Reference number 5 Fed Tax No 2010AA REF EI Billing Provider Tax ID 6 Statement Covers Period from through 2300 DTP 434 Statement Dates 8a Patients name 2010BA NM1 IL Subscriber Name 9a9e Patients address 2010BA N3 N4 Subscriber Address 10 Birth date 2010BA DMG D8 Subscriber Demographic Info 11 Sex 2010BA DMG Subscriber Demographic Info 12 Admission date 2300 DTP 435 Admission dateHR 13 Admission hour 2300 DTP DT Admission dateHR 14 Admission type 2300 CL1 Institutional Claim Code 15 Admission source 2300 CL1 Institutional Claim Code 17 STAT 2300 CL1 Institutional Claim Code 1828 Condition Codes 2300 HI BG Condition Info 3136 Occurrence CodeDate 2300 HI BH Occurrence Info 3941 Value Code CodeAmount 2300 HI BE Value Info A Value code of one of the following values must be reported if 2000B SBR01S 12 13 14 15 16 41 42 43 or 47 42 Revenue Code 2400 SV2 Revenue Code 44 HCPCSRATEHIPPS CODE 2400 SV2 HC HCPCSRATEHIPPS CODE 45 Service Date 2400 DTP 472 Date of service 46 Service Units 2400 SV2 UN UNITS DA DAYS Service Units 47 Total Charges 2400 SV2 Total Charges 48 NonCovered Charges 2400 SV2 NonCovered Charges 50 Payer Name 2000B SBR Payer Name 51 Health Plan ID 2000B SBR Health Plan ID 52 Release of Info 2300 CLM Release of Info 53 Assignment of Benefits 2300 CLM Assignment of Benefits 55 Estimated Amount Due 2300 AMT F3 Patient Estimated Amount Due 56 National Provider Identifier NPI 2010AA NM1 XX NPI 57 Other Prv ID 2310C NM1 73 58 Insureds Name 2010BA NM1 IL Insureds Name 59 Patient Relationship 2000B SBR 18 60 Insureds Unique ID 2010BA REF Insureds Unique ID 63 Treatment Authorization Codes 2300 REF G1 Treatment Authorization Codes 64 Document Control Number 2300 REF F8 Document Control Number 65 Employer Name 2320 SBR 67 Dx 2300 HI ABK Principal Diagnosis Code 67aq Other Dx 2300 HI ABF Other Diagnosis Code 69 Admit Dx 2300 HI ABJ Admitting Diagnosis Code 70 Patient Reason Dx 2300 HI ZZ Patient Reason for Visit 71 Prospective Payment System PPS Code 2400 SV2 PPS Code 74 Principle Procedure Code 2300 HI BBR Principle Procedure Code 74 Principle Procedure Date 2300 HI D8 Principle Procedure Date 74b Other Procedure Code 2300 HI BBQ Other Procedure Code 74b Other Procedure Date 2300 HI D8 Other Procedure Date 74d Other Procedure Code 2300 HI BBQ Other Procedure Code 74d Other Procedure Date 2300 HI D8 Other Procedure Date 76 Attending NPI Qualifier Last Name First Name 2310A NM1 71 Attending NameNPI 77 Operating NPI Qualifier Last Name First Name 2420A NM1 72 Operating NameNPI 78 Other NPI Qualifier Last Name First Name 2420B NM1 ZZ Other Provider NameNPI 79 Other NPI Qualifier Last Name First Name 2420B NM1 ZZ Other Provider NameNPI 80 Remarks 2300 NTE Remarks 81 Health Care Taxonomy Code 2000A PRV PXC Taxonomy Code 81a Condition Code 2300 HI BG Condition Code 81bc Occurrence Code 2300 HI BHBI Occurrence Code 2430 CAS Segments for the reporting of the adjustments to the primary payment for MSP claims

B O O B I I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O


About Nozin The Company Global Life Technologies Corp GLT is the maker of Nozin brand products including Nozin Nasal Sanitizer antiseptic and Nozin Allergy Master products Located in Bethesda MD this US based company follows a mission to improve the quality of life for people by enhancing healthcare with new products based on innovative patented and patent pending technologies These technologies are supported by substantial research development and successful clinical trials see information below and FAQ pages Nozin Nasal Sanitizer antiseptic is used by healthcare facilities for infection control and presents a new option to safely reduce nasal carriage without antibiotics while lowering infection control costs Our Company motto is to enhance life through innovative health technologies Backed years of research and development supported by NIH grants and successful clinical trials Nozin products are directed at growing health maintenance and disease prevention markets Made in the USA Nozin products have been well received by doctors and healthcare professionals who use them and recommend them to patients The Company intends to fulfill its mission through the development marketing and sales of superior healthcare products throughout the world GLT Leadership Team Scientific Steering Committee and Advisory Board We are committed to continuing our investments in research and have enlisted the support of the scientific community by forming a Scientific Steering Committee composed of prominent scientists from major research universities in the United States The scientists on this committee are all independently funded by the National Institutes of Health to carry out research in areas related to transmission of infectious diseases The Steering Committee has in turn identified and recruited independent scientists who are recognized as the leading experts in the area of airborne diseases to carry out the studies that validate the efficacy of Nozin Validation and Dr Richard Markham the Chairman of GLTs Scientific Steering Committee a Medical Doctor and renowned infectious disease specialist is known for his groundbreaking work in the area of novel microbicides an area that GLT is actively pursuing Experts such as Dr Markham and others are actively contributing to the scientific direction of the Company The Steering Committee looks at prevention By Dr Richard Markham Committee Chairman The members of the Scientific Steering Committee are academic scientists and physicians who are committed to the field of Public Health This means that much of their research has focused on the issue of disease prevention as opposed to disease treatment Disease prevention is an area that in the past has received less attention from the medical community Most physicians after all are trained to treat patients who come to them with an illness But as the costs of medical treatment continue to climb it has become clear that simpler approaches which make disease prevention accessible to all individuals must One approach that has proved useful is the development of antiseptics such as alcoholbased hand sanitizers to help reduce the risk of infection by decreasing potential exposure to pathogens But for many infections the hands serve only as the vehicle that carries germs to the site where infection is actually initiated and introduced into the body such as the eyes mouth and especially the nose It is this concept of attacking infections at the site where the acquisition process actually begins that attracted the scientists who are members or advisors of the GLT Scientific Steering Committee It is the scientists Nasal Sanitizer antiseptic are the most effective they can possibly be Research The American Journal of Infection Control AJIC has published the article Reduction of nasal Staphylococcus aureus carriage in health care professionals by treatment with a nonantibiotic alcoholbased nasal antiseptic This important study demonstrated that Nozin Nasal Sanitizer antiseptic decreased Staph aureus and total bacterial carriage suggesting the usefulness of this approach as a safe effective and convenient alternative to antibiotic treatment The clinical study was conducted at the Medical University of South Carolina MUSC The Nozin study record detail is listed at clinicaltrials gov a web based resource on clinical studies maintained by the National Library of Medicine NLM at the National Institutes of Health NIH Please read below and also click on the Evidence menu above for more information Be sure to visit nozinprocom the Nozin site for healthcare professionals Contributing Labs Extensive studies were undertaken to demonstrate that Nozin Nasal Sanitizer antiseptic is a safe highly effective antimicrobial that provides long lasting action to help reduce the risk of infection These studies were conducted at leading independent US testing centers specializing in antimicrobial and personal care product testing All studies are statistically designed using Good Laboratory Practices GLPs to ensure FDAEPA regulatory compliance The following are some of the results from these tests Nozin Nasal Sanitizer antiseptic kills germs in lab tests Summary In laboratory tests conducted at several leading testing facilities and under GLP testing protocols Nozin Nasal Sanitizer antiseptic was effective in killing at least 9999 of bacterial pathogens such as staph aureus strep pneumoniae strep pyogenes mycobacterium smegmatis Summary While it is difficult to simulate the varied conditions of the human nose in an invitro model there are surrogate tests that have been developed to help simulate these conditions One such surrogate study is the use of a biofilm to help model invivo conditions This study examined the ability of Nozin Nasal Sanitizer antiseptic to inhibit the growth of bacteria in biofilms over a period of up to 12 hours Staphylococcus aureus the challenge strain selected for the experiment and a pathogen commonly found to colonize the nares of healthcare personnel was challenged with four test materials Results Compared to control treatments Nozin Nasal Sanitizer antiseptic substantially reduced the bacterial growth even in the protective environment of the biofilm Back to top Nozin Nasal Sanitizer controls germs for hours in human subjects Summary The effect of Nozin Nasal Sanitizer antiseptic on the growth of bacteria in the nose was tested by applying Nasal Sanitizer antiseptic or a control reagent to the noses of 30 subjects The number of bacteria recovered from the nose was then determined over a 12 hour period following the application The number of bacteria recovered from the group treated with Nozin Nasal Sanitizer antiseptic was reduced by 90 compared to the controltreated group Results Nozin inhibits the growth of bacteria in the nose and this effect lasts for up to 12 hours Nozin Nasal Sanitizer is shown to be safe in dermal toxicity and skin irritation study Summary Nozin Nasal Sanitizer antiseptic was tested in human subjects to determine whether it could induce direct toxic effects to the skin or whether it could stimulate the development of allergic responses To test the toxic effect Nozin Nasal Sanitizer antiseptic was applied to a single location on the skin of the subjects once daily for 21 days Its ability to produce toxic effects was compared to a 01 solution of Sodium Lauryl Sulfate a common ingredient in soaps shampoos and other skin and hair care products After a rest period of 2 weeks Nozin Nasal Sanitizer antiseptic was reapplied to see if an allergic response had developed Results Compared to the commonly used Sodium Lauryl Sulfate there was no evidence of toxicity or allergic responses induced by Nozin Nasal Sanitizer antiseptic Subjects did not become sensitized to Nozin Nasal Sanitizer antiseptic and none of the subjects experienced an increase in skin irritation up to seventytwo 72 hours following the challenge exposure of three 3 weeks Back to top Nozin Nasal Sanitizer Defense that makes sense Nozin Nasal Sanitizer antiseptic is an innovative patented product that benefits consumers health professionals and their patients by providing extra protection against germs In the past decade hand sanitizers have become recognized and popularly used to deter transmission of germs Because handtonose contact is an important mechanism for the transmission of infection it can be beneficial to sanitize the skin on the nose as well as on the hands Nozin Nasal Sanitizer antiseptic is specially formulated for the vulnerable and sensitive skin at the distal area of the nose nasal vestibule and helps control germ populations that come to reside there Lab tests show that Nozin Nasal Sanitizer antiseptic kills harmful germs Human trial results show that one application of Nozin Nasal Sanitizer antiseptic can be effective for over eight hours see above test summaries and results Unlike many existing products that purport to offer protection Nozin Nasal Sanitizer antiseptic is unique in that it attacks germs at the nose which is a known reservoir for microbial colonization The Center for Disease Control already heavily promotes the importance of frequent hand washing and of hand sanitizers in helping prevent germs residing on hands from being transmitted to the nose Nozin Nasal Sanitizer antiseptic directly targets the skin at the front of the nose the nasal vestibule a critical site of germ transmission Nozin Nasal Sanitizer antiseptic adds a targeted longacting level of defense by helping to shield your nose Regular use of Nozin Nasal Sanitizer antiseptic in conjunction with hand washing could provide a very effective hygienic regimen which can help reduce the risk of infection Many top physicians and scientists realize the compelling logic of hygienic innovation that Nozin offers Nozin Nasal Sanitizer antiseptic is a professionally valued and sensible approach in the effort to reduce the risk of infection Significance of Nozin Studies indicate that the active ingredient in Nozin Nasal Sanitizer antiseptic is safe and has substantial activity against a wide variety of pathogenic organisms The research also shows that the Nasal Sanitizer Nozaseptin formulation has activity that persists for hours after application We believe that the observation that Nozin Nasal Sanitizer antiseptic persists for hours after application at the site of potential infection has important implications to help reduce risk of germs In light of the ubiquitous occurrence and medically important consequences of infections and the evidence that a topical antiseptic can be beneficial this simple and safe intervention could be an effective aid in the reduction of infections Conclusion Benefits of using Nozin Nasal Sanitizer Many of us are aware that every time we are in a crowded plane bus train or in other settings such as hospitals we may be more likely to be exposed pathogens Better health and enhanced lifestyle can be key benefits of adopting a sound hygienic routine Consumers who adopt and commit to a lowcost and effective hygienic regimen know they are doing something to help ensure their health and improve their quality of life Top physicians and scientists realize that the hygienic benefits Nozin Nasal Sanitizer antiseptic offers could provide critical first line defense in high risk crowded or confined areas eg airplanes offices athletic facilities schools theaters hospitals nursing homes etc Nozin Nasal Sanitizer antiseptic can help reduce the risk of infection as an important part of health maintenance and in the fight against germ transmission Learn more about Nozin use by health professionals by exploring this Nozincom site and visiting nozinprocom Back to top

O B O O B I I I O O O O O B O O O B O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O B O O O O O O O O O O O O O O O O O O O O O B O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O


National

Should

You

Warm

Up

Your

Car

Before

Driving

To

Work

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December

PM

ET

Heard

on

All

Things

Considered

Temperatures

are

dropping

across

the

country

this

week

and

many

people

are

wondering

if

they

should

warm

up

their

cars

before

driving

to

work

NPRs

Robert

Siegel

speaks

with

Ray

Magliozzi

of

Car

Talk

fame

about

what

he

does

and

whats

best

for

cars

ROBERT

SIEGEL

HOST

Its

a

cold

winter

morning

You

get

into

your

car

You

turn

on

the

engine

And

then

what

do

you

do

Do

you

immediately

start

driving

or

do

you

sit

and

let

your

car

idle

for

a

minute

before

driving

off

Which

should

you

be

doing

in

the

cold

weather

Well

were

going

to

put

that

to

Ray

Magliozzi

longtime

cohost

of

NPRs

Car

Talk

Hello

Ray

How

are

you

RAY

MAGLIOZZI

Hi

Robert

How

are

you

SIEGEL

What

do

you

do

up

there

in

Boston

Are

you

a

warmupthecar

kind

of

guy

MAGLIOZZI

Well

yeah

I

think

so

a

little

bit

Ill

explain

why

In

the

old

days

Dad

went

out

and

warmed

up

the

car

in

the

morning

And

there

were

lots

of

reasons

to

warm

it

up

the

biggest

of

which

was

that

the

oil

was

like

molasses

I

mean

back

in

the

old

days

if

you

tried

to

pour

oil

out

of

a

can

in

you

know

weather

it

wouldnt

budge

SIEGEL

Right

laughter

MAGLIOZZI

And

similarly

the

oil

that

was

in

the

engine

that

whose

job

it

was

to

lubricate

all

these

important

parts

really

couldnt

do

its

job

very

well

when

it

was

thick

like

that

So

thats

one

of

the

reasons

you

wanted

to

warm

it

up

at

a

lower

engine

speed

before

you

started

driving

at

miles

an

hour

SIEGEL

What

youre

saying

is

around

this

made

perfect

sense

to

do

that

MAGLIOZZI

And

it

made

perfect

sense

until

probably

the

until

we

switched

over

to

fuel

injection

SIEGEL

We

found

a

fact

sheet

from

the

federal

Environmental

Protection

Agency

and

the

Department

of

Energy

They

say

that

your

car

will

warm

up

quicker

by

being

driven

MAGLIOZZI

Thats

correct

SIEGEL

Than

warming

up

and

you

shouldnt

warm

it

up

for

more

than

say

seconds

MAGLIOZZI

Oh

yeah

I

would

say

thats

true

in

normal

weather

You

know

if

its

degrees

out

which

I

consider

normal

weather

for

the

winter

you

should

get

in

your

car

start

it

up

and

drive

it

away

The

oil

is

diluted

already

cause

its

been

improved

And

the

fuel

injection

makes

sure

the

car

runs

well

Its

not

going

to

stall

out

and

refuse

to

start

So

yeah

get

in

it

and

drive

it

And

itll

warm

it

up

faster

because

when

the

engine

is

doing

the

work

of

pushing

the

car

SIEGEL

Yeah

MAGLIOZZI

It

warms

up

a

lot

faster

than

when

its

just

sitting

there

in

your

driveway

SIEGEL

Any

other

winter

car

tips

that

we

should

keep

in

mind

these

days

MAGLIOZZI

Yeah

well

you

know

almost

all

cars

now

have

antilock

brakes

and

traction

control

and

all

that

But

when

its

when

the

roads

are

icy

and

extremely

slippery

if

you

go

too

fast

youre

going

to

crash

you

know

so

and

staying

home

is

good

too

Working

from

home

is

a

wonderful

thing

LAUGHTER

MAGLIOZZI

I

recommend

it

highly

SIEGEL

Laughter

So

you

recommend

telecommuting

as

a

solution

MAGLIOZZI

Absolutely

SIEGEL

To

lots

of

automobile

problems

MAGLIOZZI

Yes

SIEGEL

That

we

might

have

this

time

of

year

or

any

other

time

of

year

for

that

matter

MAGLIOZZI

Exactly

If

its

too

hot

you

shouldnt

drive

your

car

either

In

fact

I

think

you

should

drive

just

primarily

in

spring

and

fall

and

just

kind

of

SIEGEL

Laughter

MAGLIOZZI

Stay

home

LAUGHTER

SIEGEL

Well

laughter

Im

not

sure

if

thats

news

one

can

use

But

its

MAGLIOZZI

Laughter

SIEGEL

It

sounds

like

very

good

advice

MAGLIOZZI

Oh

I

dont

know

about

that

LAUGHTER

SIEGEL

Ray

Magliozzi

cohost

of

the

longtime

NPR

program

Car

Talk

thanks

so

much

for

talking

Its

great

to

hear

from

you

MAGLIOZZI

Nice

to

talk

to

you

too

Robert

my

pleasure

SOUNDBITE

OF

CHICORY

TIP

SONG

SON

OF

MY

FATHER

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driving to work
temperatures are dropping