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Is Your Health Insurer Breaking the Law?

NonProfit Quarterly

Image credit: AntonioGuillem on istock.com Despite hundreds of state laws meant to protect health insurance consumers—patients, in other words—from denials of legitimate claims for coverage, health insurers are routinely flouting these laws and illegally denying coverage in even life-threatening situations.

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How to Restore Community Economies: Reestablishing the Right to Associate

NonProfit Quarterly

These farmers also successfully advocated for a system of federally backed cooperative banks and joined together to form farmer-owned insurance pools, allowing agriculture cooperatives to form, including prominent brands like Land O’Lakes and Ocean Spray. Before the Affordable Care Act, it was the only good option for health insurance.

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Driving Without a Safety Net: How Nonprofits Are Helping People Recover from Car Accidents

Nonprofit Marketing Insights by GlobalOwls

For those without insurance, the consequences can be even more devastating. While laws and penalties exist to encourage insurance coverage, they often fail to address the root causesfinancial hardship, lack of awareness, and systemic barriers. Without insurance, accident victims often have little recourse.

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The Next Generation of Mutualism

Stanford Social Innovation Review

To ensure mutualism thrives in the next generation, communities need laws, regulations, practices, and capital markets that encourage solidarity and investment outside of any given silo. CDFIs should be expanded to include a wider range of mutualists like unions, cooperatives, mutual banks, and mutual insurance companies.

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5 Strategies To Keep Your Office Safe

The NonProfit Times

Hired local law enforcement – Highly trained security who are experienced in handling a weapon in high-intensity situations. Make sure your contract ensures they will assume liability for their actions and that the contractor is adequately insured and names your organization as an additional insured on their policies.

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Minding the Gaps: Neuroethics, AI, and Depression

NonProfit Quarterly

3 By law, these must remain anonymous when used. Depression diagnosis from a licensed psychiatrist can cost between $100 to $300 without insurance, 22 while therapy can range from $65 to $250 per session 23 and antidepressants can be nearly $100 for a 30-day supply. 21 Most important, unsupportive infrastructure is costing lives.

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You’ve Been Breached: What Now?

Nonprofit Marketing Guide

Gather policies and procedures about information handling and security; find a copy of your liability insurance policy and the agent’s phone number. Facts at hand, counsel can determine if state law requires notifying those affected. Forty-seven states have breach response laws, differing in terms of triggers and obligatory responses.