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Seven in 10 people with back pain have suffered for a decade 
Health Insurance and Protection Daily - 02 October 2015 
Almost a third have been unable to work due to the pain 
Seven in 10 (71%) of people suffering with back pain have been doing so for up to 10 years but many haven’t taken proactive measures to take care of their backs, research shows. 
The British Chiropractic Association (BCA) found 40% of those surveyed had never done anything to actively protect their backs. 
Just under a third (29%) said they have been unable to work due to their back pain. 
The number of sick days taken due to back pain increased by 29% in the last year, from 7.7 million in 2013 to 9.9 million in 2014. Click here to see the rest of the article 
6p breast cancer pill 'reduces illness by a third' 
Health Insurance and Protection Daily 
Doctors urged to give out 6p breast cancer pill as freely as statins. 
Doctors are being urged to give out the 6p pill for breast cancer as freely as they give out statins because, they say, it can reduce risk of illness by a third. 
Researchers say that Tamoxifen, which costs 6p a day, can reduce risk of illness by a third and effects can last for 20 years after woman stops taking it. - click to read more 
The study of 7,154 high-risk women, spanning over five years found in the 1990s that patients were 38% less likely to develop cancer and those who stopped taking it 20 years ago were still protected and was expected still to be working 30 years later or more. 
British researchers said if GPs routinely prescribed Tamoxifen to the half a million women at high risk of breast cancer, as many as 3,000 cases a year would be prevented. 
The pills are available on the NHS but fewer than 1,000 women are taking them to prevent breast cancer, partly because family doctors are unaware of the benefits. 
Around one in eight women will develop breast cancer in Britain and there are 50,000 cases a year. Women are deemed to be high risk if their likelihood of getting the illness is greater than 17% most often due to a family history of the disease. 
Lead researcher Jack Cuzick, a professor at Queen Mary, University of London, said that the drugs should be as widely prescribed as statins are to protect against heart disease. 
“There’s a major cultural shift which the profession needs to embrace,” he said. 
“There’s a fatalism about cancer, there’s a feeling there’s nothing you can do about it very much. We have very clear evidence we can do something. 
He said many women were unaware they were at high risk and to address this, he said, they should take risk assessments – a short questionnaire – at the time of their first mammogram, aged 47 to 50. 
Surprisingly, while it showed that Tamoxifen prevented the cancer occurring, the pill did not appear to reduce the total risk of dying from the illness. 
Professor Cuzick believes that it is still too early for this to be apparent. The study is still running, and he suspects that in a few years it will be clear that Tamoxifen also prevents deaths from cancer. 
Last year the NHS rationing body National Institute for Clinical Excellence recommended that GPs prescribe Tamoxifen to women at high risk. But bizarrely it has not been licensed as safe by watchdog, the Medicines and Healthcare Products Regulatory Agency which, as reported in the Daily Mail, is why many doctors are unwilling. 
The drug works by blocking the hormone oestrogen from reaching potentially cancerous cells, which can cause them to divide. But it has unpleasant side effects, including many menopause-like symptoms such as hot flushes, sweats, nausea, muscle ache and weight gain. 
There is also a small risk of endometrial cancer, a rare form of cancer in the womb lining. 
To see original artical - click here 
Lifestyle affects work for over 80% of employees - EAP's are £1 per week per employee! 
By: Paul Robertson 
09 Mar 2012 
The work performance of 85%of employees has been affected by work, health and personal pressures, according new research from Canada life. 
Only 15% of employees claim that they are not distracted whilst at work and 41% say problems in their personal lives have prevented them from performing to the best of their to read more 
A quarter (25%) of employees say that financial worries, such as debts or having to fund unexpected expenses, have led them to distraction at work, with 18% feeling less financially secure, 13% admitting to having less in savings and 10% finding it more difficult to meet basic costs than this time last year. 
Six per cent have incurred more debts than they had twelve months ago too. 
Surprisingly, 68% cited lack of sleep as the leading cause of poor concentration at work. 
Not only can this affect performance and productivity, but it may pose serious health risks if left untreated. 
Employees are never the less working harder and longer, with almost 30% eating at their desk whilst continuing to work. 
Possibly as a result of this, many are finding that they are unable to keep on top of personal tasks outside working hours - 17% say that personal errands can lead to a lapse in concentration at work. 
Paul Avis, Sales and Marketing Director at Canada Life Group Insurance comments: "The increased pressure on employees may eventually limit the productivity and efficiency of the business. 
"Employers can help to manage work-induced stress by ensuring that they have mechanisms in place with which to deal with deadlines and workloads. 
"Similarly, there are ways of helping employees to deal with personal problems, possibly something as simple as offering flexibility around working hours to help them through a difficult time. 
"Employee Assistance Programmes often provide employees with support they need to deal with common worries such as help with finances, or managing relationships. 
"It is important for employers to try to tackle the root causes of employee stress before they spiral into something more and become a reason for employee absence." 
Employers in the dark on overseas healthcare provision 
Health Insurance & Protection Magazine 
Workers unsure too 
There is a significant lack of understanding among employers about healthcare abroad in general and rules and regulations about healthcare provision in particular, it has emerged. 
Businesses surveyed at a recent international healthcare seminar say they feel they are unable to keep up with the changing healthcare legislation in different parts of the world in spite of the fact that they are aware their employees rely on them to look after their needs. - click to read more 
Just 5% of employers at the seminar, held by Jelf Employee Benefits, said that they felt they completely understood the rules for international healthcare in all the countries in which they had employees deployed. Only 2% said they believed their employees understood the rules for international healthcare completely in the country in which they were working and living. 
That is in spite of the fact that 98% of employers surveyed believe their staff outside the UK rely on them as employers to ensure they had adequate health cover. 
Separate research reveals that expat employees do think about healthcare provision in their new country of residence but the findings from the Jelf seminar suggest that their needs are often not met due to employers feeling to seek specialist advice. 
Almost two fifths (38%) of employers surveyed worry that the healthcare cover they have for some of their employers outside the UK is not adequate. Just under a third (29%) believe their employees may feel they did not have adequate cover for themselves, with 43% believing they may feel they had inadequate cover for their dependents. 
Government vows to tackle "hidden" NHS waits 
Author: Pru Health 
Hi-Mag 17/11/2011 
Currently, 90.7% of people receive inpatient treatment within the 18 week target. However, of the 2.6 million people on waiting lists, 250,000 have waited for longer than this time, of which just over 100,000 have waited for longer than six months and 20,000 for more than a year. more 
Variation across the country also exists. The King's Fund reported last month that 45 trusts – over a quarter – admitted less than 90% per cent of their patients within 18 weeks, more than double the number of trusts failing the 18-week target in August 2010. More than 20% of people still waiting for treatment have waited for longer than 18 weeks in the Wirral, Kingston, Wandsworth, Somerset, Sutton & Merton and Richmond & Twickenham. There is also variation across types of treatment. Nationwide, less than 90% of patients are seen within 18 weeks after being referred to trauma & orthopaedics, ENT, oral surgery and neurosurgery. 
To read the whole article click here  
Medisave Independent Healthcare Launch new Broker Website! 
Author: Gillian Campbell 
11 April 2011 
Medisave Independent Healthcare, Northern Ireland's leading specialist private medical insurance brokers are pleased to announce the launch of their new website more 
Gillian Campbell, proprietor of Medisave said " the site was designed with ease of use in mind so that customers looking for information on all aspects of medical insurance could find what they needed quickly and easily. All too often, comparison websites providing health insurance quotes focus only on price and not on the what the policies actually cover, how they work in practice, or what the client is actually getting for the money they pay".  
"For those looking at some kind of cover for the very first time, it can be very confusing and we feel it is all about helping a client to understand how PMI works, in the first instance, so that they can be clear about what they expect from this type of insurance, before we even put quotes together for them. The medical insurance market is, unfortunately, not a level playing field and it is very hard to compare 'like for like' when it is a subject you are not familiar with. You can very easily ending up spending money on benefits which you neither want or need or make a mistake by switching to, what looks like a cheaper product but which doesn't work like you thought it would when you come to use it". 
"We hope that providing clear information on a site which is easy to use will help visitors find out what they need to know about their personal situation, quickly and in a concise format, so that they can make informed decisions about their current cover or any new cover that they may be about to take out." 
"Much as I hate to use the phrase, we are really are a 'one stop shop' providing everything you will ever need to know about healthcare insurance". 
AMII calls for levelling of PMI taxation playing field 
Author: Paul Robertson 
Cover| 21 Mar 2011 | 14:41 
The Association of Medical Insurance Intermediaries (AMII) has called on the Chancellor to remove tax disincentives in the treatment of employer-paid private medical insurance (PMI) more 
AMII made the call ahead of this week's budget, saying it could alleviate cost pressures on the National Health Service. 
The previous Labour administration introduced the Employers National Insurance charge on employer-paid private medical insurance. This charge is due to increase to 13.8% from April and comes on top of a 1% increase in Insurance Premium Tax to 6% effective from January 2011. 
Employees are taxed on this benefit, as a P11D benefit-in-kind, at their marginal rate of tax. 
AMII noted these tax charges are not applied to other group risk health insurance benefits - such as group protection or employee health screening. 
Andrew Tripp, chairman of AMII, said: "The current tax treatment of employer funded PMI is not only inconsistent with how other forms of group risk insurance are treated, but is also a perfect example of taxation working against the intentions of other Government initiatives," 
"Removing the current tax disincentive for employers who wish to fund private healthcare for their employees, would not only have a positive effect on the public finances, by relieving pressure on over-stretched NHS budgets, but prompt access to treatment will also result in lower welfare costs for the Government." 
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