This handbook contains all the latest information about the Federal Employee Health Benefits Program! It has everything you need to know about eligibility, enrollment, finding a plan, coordinating benefits, cost, leave without pay, termination and conversion of coverage, annuitants and compensationers, military service, family members, former spouses, and health care flexibility spending accounts and more! NOTE: This handbook is NON-REFUNDABLE (unless damaged). We strongly recommend viewing it first BEFORE purchasing the printed version: http: //www.federalhandbooks.co

This comprehensive handbook explains the very latest information on federal employee benefits, including pay, awards, Thrift Savings Plan, flexible spending accounts, federal employee retirement system, civil service retirement system, federal long-term care insurance program, federal student loan repayment program, leave, alternative work schedules, employee assistance programs, health benefits and group life insurance programs. Note: This handbook is NON-REFUNDABLE (unless damaged upon receipt). Review return policy here: www.lulu.com/help/returns_policy. We strongly recommend viewing the handbook BEFORE purchasing it at http: //www.federalhandbooks.co

The Model Rules of Professional Conduct provides an up-to-date resource for information on legal ethics. Federal, state and local courts in all jurisdictions look to the Rules for guidance in solving lawyer malpractice cases, disciplinary actions, disqualification issues, sanctions questions and much more. In this volume, black-letter Rules of Professional Conduct are followed by numbered Comments that explain each Rule's purpose and provide suggestions for its practical application. The Rules will help you identify proper conduct in a variety of given situations, review those instances where discretionary action is possible, and define the nature of the relationship between you and your clients, colleagues and the courts.

Many Americans believe that people who lack health insurance somehow get the care they really need. Care Without Coverage examines the real consequences for adults who lack health insurance. The study presents findings in the areas of prevention and screening, cancer, chronic illness, hospital-based care, and general health status. The committee looked at the consequences of being uninsured for people suffering from cancer, diabetes, HIV infection and AIDS, heart and kidney disease, mental illness, traumatic injuries, and heart attacks. It focused on the roughly 30 million-one in seven-working-age Americans without health insurance. This group does not include the population over 65 that is covered by Medicare or the nearly 10 million children who are uninsured in this country. The main findings of the report are that working-age Americans without health insurance are more likely to receive too little medical care and receive it too late; be sicker and die sooner; and receive poorer care when they are in the hospital, even for acute situations like a motor vehicle crash.