Document mmNQ6eBz89ag2V7Jyy9vqjavb

ditional Allowable Medical Expenses for which he would not otherwise be reimbursed in the remainder of the calendar >ear. We believe that the Insurance Industry has taken an important step forward with the introduction of the "Model" provision, ft is. in our opinion, a fair and equitable method of applvins a non-duplication provision. If people can be assured that it is pos sible to recover the entire amount of their reaso. able and necessarv medical expenses, thev w usually accept the principle that they should not l allowed to profit from their iilness. Since th principle is already established in many tvpes 'asualtv insurance, it should also be underst and accepted under the various forms of Healt insurance. Recipe for Pilferage Prevention: Add Background Investigation to Employee Screening by Earl D. Wilson Special Representative--Son Francisco From a talk hetore iht 1964 Security Con/erence ot the San Ftaneisco Bay Area Chapter of ihe American Society lor Industrial Security. V\ittous methods are available to help American business and industry control employee theft losses, but first and foremost, the basic ingredient needed is an efficient employee screening program. The proverbial ounce of prevention ia still worth the pound of cure, especially when current cost cycles make petty larceny soar on such a grand scale. Pilfrag on Increase Pilferage may once have been defined as stealing in small amounts or taking articles of little value, but today in the United States it is big business. Just picture, if you will, the dishonest employee going out the door with over a billion dollars in money, tools, and merchandise annually here in America. One tool found most successful to help control employee theft for both large and small companies is the use of the outside background inveatigation as an important phase of the employee screening pro gram. For instance, local investigations by security departments of any company can be supplement? by nationwide investigative services which provid coverage anywhere, anytime, quickly and econom: cally. The investigative service being used, if na tional in scope, will have available in any com munity of any size, trained men who can check <m various information sources such as former em plovers, residence neighbors, former schools, banks credit sources, police records, etc. This availabilit of service is of particular significance when yi consider the mobility of our modern society an. trends of population shifts. This is where e nationwide investigative asenc can be most helpful to the company presently usin reference letters and the telephone for their investi gallons. An actual comparison of results woul> prove that in many instances the reliability of in formation secured by these latter methods is ques tionable. While it i* true that much information cai be secured by telephone, the reliability of such in formation, in many instances, is in direct propor tion to the personal acquaintance of the persoi ceiling and the person answering. The weakness o telephone contact lies in the fear of giving unfavor able information to an unknown over the telephone 24 Retail Credit Compa-vi