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What is the McArran-Ferguson Act? The McArran-Ferguson Act was passed by Congress in 1945 that exempts the insurance industry from most federal regulations; including anti-trust regulations.  The law does not specifically state that the insurance industry is exempt from any regulation; rather the McArran-Ferguson Act gives the power to the states to determine law..

Medicare and medicaid, both in essence, offer the same things. The structures, however, for these two forms of health insurance are very different. Medicaid is a U.S. government sponsored program primarily offered for low-income individuals and families. Medicaid programs are offered to those who have trouble paying their health care through a dual funding stream between state ..

Worker's compensation can cause issues for those that have Medicare coverage. For instance, the burden for medical coverage for issues which were originally  part of a worker's compensation claim, can be disputed by Medicare. In fact, Medicare will often not pay for these types of injuries, and instead they will refer Medicare beneficiaries to the Medicare Secondary payer ..

  Quick Guide to Unemployment Benefits in Michigan How to Claim Michigan Unemployment Benefits In order to qualify for a Michigan unemployment benefit, you’ll have to file an application with the Unemployment Insurance Agency (UIA).  There are two way you can file a claim, and contact information is listed below:  1. On the inter..

  What is the Miller Test? The Miller Test is also referred to as the Three Prong Obscenity Test and the SLAPP test.  The U.S. Supreme Court uses the test to determine if a material normally protected under the First Amendment is free speech or obscene material—or material that goes against the moral opinion of the time.    First Ame..

Frequently Asked Questions about Minimum Wage in AlaskaWhat is the minimum wage in Alaska?As of 2012, the minimum wage in Alaska is $7.75. This is the minimum amount that an employer must legally pay their workers. However, there are multiple exceptions to the minimum wage in Alaska, so while we often think of this amount as strict barrier, it’s actually much more permeable t..

In regard to minimum wage, Australia operates under the same principles as the United States and the United Kingdom. The Australian government believes that it is important to establish a minimum wage, in order to ensure that all eligible employees receive fair and reasonable compensation for their work. As a result, the Australian government has established minimum wage standa..

A brief guide to minimum wage in AlabamaAll workers have certain guaranteed rights. One is to be paid the minimum wage in Alabama. The state has not set its own rate and follows federal guidelines. This means that minimum wages in Alabama are $7.25 an hour. No employer is allowed to pay their workers any less than that amount. Note that minimum wages in Alabama also apply ..

Frequently Asked Questions about Minimum Wage in AlaskaWhat is the minimum wage in Alaska?As of 2012, the minimum wage in Alaska is $7.75. This is the minimum amount that an employer must legally pay their workers. However, there are multiple exceptions to the minimum wage in Alaska, so while we often think of this amount as strict barrier, it’s actually much more permeable t..

Effective Jan 1, 2012 the minimum wage in Arizona is $7.65 an hour and this represents an incremental rise the in wage from $7.25 in 2009 to the present.  Previously, it had been as low as $5.15/hr in 2006.  The federal minimum wage is set at $7.25/hr, which makes minimum wage in Arizona slightly higher than the national standard.  Note that the v increases annua..

Quick Guide to Minimum Wage in GeorgiaMinimum Wage in GeorgiaThere are multiple state and federal laws that apply differently to certain employers in the state.  This article will discuss the different minimum wages in Georgia, as well as specific information on Georgia official code and procedure for filing a claim against an employer.  What is the Minimum Wage ..

Guide to the Minimum Wage in IllinoisIf you are a wage earning employee in Illinois, there are minimums to what your employer can pay you that are set by both the federal and state government.  minimum wage in IL is actually significantly different from the federal minimum wage.  This guide will teach you about the current minimum wage in Illinois, as well as what typ..

The minimum wage in Indiana is $7.25 an hour.  This is accurate as of January 1, 2012 and became effective as of July 24, 2009.  This is an increase from $6.55 an hour and is consistent with the federal minimum wage law.What is the training wage for Indiana?Employees under the age of 20 and undergoing training are not subject to the typical minimum wage in Indiana. &n..

  Quick Guide to Iowa’s Minimum Wage Minimum Wage in Iowa There are multiple state and federal laws that apply differently to certain employees within the state.  This article will discuss the different minimum wages in Iowa according to information provided under the IA Division of Labor.  For more information about minimum wages in I..

Guide to the Minimum Wage in KentuckyThousands of workers currently receive the minimum wage in Kentucky.  Knowing the current laws about the minimum wage in Kentucky can help you understand whether your employer is following federal and state wage and hours laws.  This guide will explain which employees qualify for which minimum wage in Kentucky, and what to do if yo..