Determining the potential losses of an investment is a fundamental question for all investors, and many large institutions use a measure known as Value at Risk (VaR) to boil down enormous, complex portfolios to a single statistic measuring how much they stand to lose on a really bad day. But VaR has its shortcomings when used in isolation, and they were made clear to the world during the 2008 financial crisis. Could some market participants be falling victim to the mistakes of the past and using VaR to justify taking outsized bets on the current low-volatility market environment?
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On March 25, 2015, the U.S. Supreme Court decided a case providing clarification on the Pregnancy Discrimination Act’s (PDA) provision requiring employers to treat pregnant women the same as other employees with abilities or inabilities to work. The issue before the Court was whether an employer’s failure to accommodate a pregnant employee violated the PDA when the employer’s light-duty policy accommodated some similarly situated workers but not all. This Gallagher Advisor newsletter provides an overview from the case records as well as how this issue potentially impacts employers.
Rhonda Marcucci, VP of HR & Benefits Technology Consulting, writes, “The field of human capital management (HCM) approaches employee staffing by viewing employees as assets (i.e., human capital), whose value can be measured and enhanced through investment. To understand the role of benefits administration within an HCM model…” Read more about this topic.
Directions newsletter is a monthly publication of the Benefits & HR Consulting operations of Arthur J. Gallagher & Co. The May 2015 issue includes healthcare reform updates, a technical bulletin, webinar information and a variety of benefits and HR news.
Bloodborne pathogens (BBP) are microorganisms that can cause disease when transferred from an infected person to another person through blood or other potentially infected body fluids. The microorganisms are capable of causing serious illness and death. The most common diseases spread in this manner are Hepatitis B (HBV) and Human Immunodeficiency Virus (HIV). Examples of other bloodborne diseases include malaria, Hepatitis C and syphilis. Workers in health care and public safety jobs could be potentially exposed to these disease pathogens. These workers include, but are not limited to, doctors, dentists, nurses, paramedics, police, laboratory workers and housekeeping workers in the health care industry.
The April jobs report from the Bureau of Labor Statistics was just right – bouncing back but not too strong. But as analysts try to predict the Fed moves, have they lost sight of the true employment picture? The Weekly Market Update explores the lead market stories of the past week.
Are prepared to comply with the new safety data sheet (SDS) requirements beginning June 1, 2015? Failure to properly provide or respond to new SDS information by then could open the door to an OSHA inspection, enforcement activities or citations and penalties for violating the Hazard Communication Standard 2012 (HCS 2012). This Risk Management Safety Insight: Hazard Communication Standard newsletter addresses these topics and potential ramifications.
Stay informed on the latest healthcare reform news. Gallagher's Healthcare Reform Update newsletters provide timely, easy-to-understand information about new and revised regulations. Download this month's latest release.
The U.S. Consumer Product Safety Commission estimates that 4,000 people are treated in emergency rooms each year because they were injured while using extension cords. Injuries include fractures, lacerations, contusions, or sprains from people tripping over cords. The Gallagher PEP Talk: Safety Tips for Extension Cords newsletter offers insights for public entities to help them avoid related injuries.
Robert D. Sloan, Area Vice President, Registered Representative, Retirement Plan Consulting, writes, “Ever since the first retirement plan was developed in the United States back in 1889 by the American Express Company, employers have tried to determine the optimal approach…” Read more about creating an impactful retirement strategy.