Health insurance premiums to high by niusheng11


									   Page 4                                                                                          Thursday, September 12, 1991

                                                                                                                                                                                          Report from Wa«hlngton

                                                                                                                                                                                      Small Business Needs
                                         Official Newspaper of the Town of Westfield
                                                                                                                                                                                     Affordable Health Care
                                                                    — Established 1890 —                                                            One of the growing gaps in ihe small businesses.
                                                                                                                                                nation's heahh care system involves           Before a consensus can developon
                                                       Member of the New Jersey Press Association                                                small business.                           providing affordable health cover-
                                                     Member of Ihc National Newspaper Association                                                   Sharply rising costs of healih in- age for every American, a few steps
                                                   Second Class Postage Paid at Weslfield, New Jersey                                            surance and expiration of the lax should be taken toward evolving low-
                                                                                                                                                deduction for health insurance pre- cost, minimum benefit plans for small
                                   P.O. Box 250                                                            SUBSCRIPTIONS                        miums for small business owners are business owners and employees.
                   50 Elm Street, Westfield, N.J. 07091                                                    SI6.00a Year in Counly               adding to the estimated 34 million
                                     232-4407                                                           $20.00 a Vear Out of County                                                           This package would include basic
                                                                                                         $14.00 College Subscription            Americans whoare uninsured orhave hospital, physician, primary and
                                                                                                                                                inadequate coverage.                       prevenlive care services, such as pap        By Rrprtstnlalhr Malllitw J. RinaUa
                                                                                                                                                    According to a study by the Em- smears, niaimnogram and pre-natal
                                                                                                                                                ployment and Benefits Research In- care. (Under Medicaid, it costs only coverage in almost any form.
                                                                                                                                                stitute, over 22 per cent of self-em-      $200 per mother for pre-natal care. It        Finally, under federal legislation
                   Kurt C Ituucr                         Miss Kathleen L. (iardner                           Carmelu Montalbanu
                                                            snctAL rnoMoiions DIRECTOR                       COMPTROLLER AND PVBUSIIER
                                                                                                                                                ployed business owners are not cov- can save $20,000, which is the average that 1 am working lo enact, self-em-
                        pvauwu                                                                                                                  ered by health insurance. They con- cost of hospital care for prematurely ployed persons and unincorporated
                                                                                                                                                stitute seven per cent of all uninsured    born infants.)                             businesses would be granted the same
                                                               James A. Itridge                            Michael J. Pclriunu, 3rd             workers and employ 32 per cent of
                Jeffrey L. Bauer                                 ADVERTISING SAU:S                                 ADVkkTKING SALES                                                           Small business owners and em-           100 per cent deduction for health
                                                                                                                                                the nation's work force.                   ployees who choose to pay more for insurance costs now received by
                                                   Mrs. Donald J. (Kalhcrinc E.) llaucr                             Andrew Chen                     Undercurrent law, the ownerof itn comprehensive coverage could cer- corporations.
            Hubert K. Fus/.czcwski                                ASSISTANT nmon                                  STAffPIIOTOGSAfltEH           incorporated business may deducilhc tainly do so. But the minimum ben-                   Together with other proposals in-
                     MANAGING EDITOR                                                                                                            full cost of his own health insurance. efit package would have to meet ba- troduced in Congress, we can lake a
                                                                                                                                                    But self-employed people can dc- sic federal standards and also allow step-by-step approach toward devis-
                                                                                                                                               ductonly 25 percent of the insurance        freedom of choice.                        ing a privately based health insurance
            Dispose of Our Solid Waste Legally                                                                                                 premiums, and that deduction in due
                                                                                                                                               to expire this year unless Congress
                                                                                                                                                                                             To lower premiums, the costs would program lliat controls costs and ben-
                                                                                                                                                                                           be spread through risk pools devel- efits without bankrupting business,
                                                                                                                                               extends it.
           Without Disposing of Individual Rights                                                                                                                                         oped by each state for those who are individuals, insurance companies and
                                                                                                                                                   The Small B usinessAdm inislration medically uninsurable and cannot buy taxpayers.
                                                                                                                                                reports that hea 1th insurance costs for
        Following some very strong arm twisting by                            at their place of business and homeowners small business owncrshave increased                                              Proposals for Clark Hyatt Site
   the state government, the Town Council last                                from disposing of their business re fuse in their at a pace greater than the national
   week agreed to consider an ordinance which
   would require property owners to furnish proof
                                                                              home.                                                                The owners of a local bakery or the
                                                                                 With the current economic downturn and in self-employed Iruck tlrivcr <lo not
                                                                                                                                                                                                         Appear to Spare Town Business
   that they are properly and legally disposing of                                                                                                                                           Editor's Note: The                      limited industrial zoning, or antici-
                                                                              light of the negative effect of high disposal have Ihe benefit of group insurance, copy of a tetter written following is a pated planned unit development plan.
                                                                                                                                                                                                                   by Third Ward
   trash.                                                                     costs on legal garbage disposal, we see no which spreads out the risks and offers Councilman Gary Jenkins to Mayor                                        This concern for peak-hour traffic
        With the rash of illegal clumping caused, in                          reason why the above cost-saving measures lower premiums.                                                   Richard H. Bagger, the members of stems front traffic studies that indicate
   part, by the solid waste crisis faced by the stale                         should not be allowed.                                               The National Federation of Inde- the Toivn Council, Town Attorney a volume of from 20,000 to 40,000
                                                                                                                                               pendent Business has testified that
   and, in part, by the high disposal costs result-                             The most important aim of waste disposal over'X) per cent of small businesses Charles H. Brandt and Westfield cars on a daily basis on the Central
                                                                                                                                                                                          Chamber of Commerce President Avenue "radius area"
   ing from transportation of our garbage to other                            regulations should be to make certain that consider health insurance to be pro- John Morgan about the planned unit proportion related towith a large                               commuting
   slates, we certainly think the state's actions are                         trash is taken care of in a healthful fashion, and hibitively expensive, and it is getting development proposed for the former traffic, according to Clark's traffic
   welL-intentioned.                                                          this can be done with joint disposal just as                     worse each year as premiums rise.          Hyatt Clark Industries site in Clark studies.
       There also are very sound health reasons to                                                                                                 On
                                                                              efficiently as it can by requiring each property recent (he olher side of the coin, :i near the Weslfield border.
                                                                                                                                                        study estimated that as many
                                                                                                                                                                                                                                        The plan further indicates forma-
                                                                                                                                                                                                          • *+• *                   tion of a traffic improvement district
   make sure that garbage is disposed of properly.                            owner to contract for a service at each "source as one-quarlcr of the uninsured lack
        We do, however, question the propriety of                             of refuse."                                                                                                    The zoning district map from the involving Clark, Cranford and Union
                                                                                                                                               coverage because they have been
                                                                                                                                                                                          1'J'Jl Clark Township master plan County.
   several actions discussed but, as yet, not acted                             All that should be required is the proof that                  priced out of the market by increases
                                                                                                                                                                                          indicates the Hyatt site to remain            I feel that Westfield also should
   upon by the council.                                                       the trash is being disposed of properly and not m stale-mandated benefit laws.                              Industrial Limited.                       participate or at least keep abreast of
       These would require every single property                              illegally dumped.                                                    More than 640 specific slate man-         However, the plancallsforafuture the situation, and 1 will continue to
                                                                                                                                               dates now require insurers to include      Planned Unit Development "after the monitor this site as Mayor Bagger
   owner to contract with a disposal service and                                 "1984" has come and gone, but let us hope particular benefits in Iheir plans.
   would prohibit joint contracting by adjoining                                                                                                                                          present demolition and clearance has asked me to do.
                                                                              that Orwellian concepts of Big Brother watch-                        While many of these .services are activities nre completed by General               The nice part of the plan for both
   properly owners and would halt business own-                               ing over our every action do not remain. — desirable, the proliferalionofsoniiiny Motors."                                                            the Westfield ad Cranford central
   ers from disposing of their household garbage                              R.R.F. and K.C.B.                                                requirements is inflating insurance           This also involves chemical business districts concerning this
                                                                                                                                               premiums for many individuals and          cleanup with Department of Envi- anticipated use of this site is that any
                                                                                                                                                                                          ronmental Protection approval I as- "developer or redeveloper would be
                                                                                                                                     American Telephone & Telegraph                       sume.                                    obligated to pay for off-site traffic
                                                                                                                                                                                             The above Planned Unit develop- improvements, in the proportion to
                                  LKTTERS TO THE EDITOR                                                                              Defends Record on Environment                        ment zoning decision lies mainly in a which their developments add traffic
                                                                                                                                                                                         calculation of peak hour traffic.         to the respective roads."
                                                                                                      Jessica Gross's letter to the editor oil and divcitcd 72,600 cubic yards               The planned unit development              The foregoing would involve in-
                                                                                                    of August 15 criticizing American of waste from landfills.                           would have the least impact on traffic tensive traffic studies and could make
                                                                                                   Telephone & Telegraph for not sub-              The writer is correct in saying we in the area, their calculation being the chances of a future office center
                                                                                                    scribing to the viildez Principles and have not signed the Valdez Principles. 235 additional cars forthe anticipated or mall complex cost prohibitive, in
         With So Much Spent on Frills,                                                             suggesting that the firm needs to be          . No because we don't agree with 470 dwelling units on Ihe 44-acrc my opinion.
                                                                                                   pressured into concern for Ihe envi- their spirit. We do.                                                                      . This.plan resembles one, that was
        Can't McKinley Have a Nurse?                                                               ronment caught my eye.                         But the principles, as currently
                                                                                                                                                                                         site.    •   •
                                                                                                                                                                                             The limited industrial zoning, if instituted by Cranford to deter their
                                                                                                      Little wonder.                          written, lire 100 fuzzy in some re-        left as is, would create an estimated Beechuni site from possible mall
      As we say goodbye to the last days the quest ion about why McKinley is                          I am the Senior Vice President of spects, and they are loo rigidly re-
  of summer vacation lhcremtnder.saf the only school without a full-time                                                                                                                 1,342 parking spaces on the 44-acre development which could have
                                                            y                                                                                 strictive in others.
  a new school y       year seem ubiquitous. nurse, one must .speculate as to ihe Public Relations for ihe company.
                                        q                                                                                                                                                site.                                     threatened their central business
                                                                                                      I'm also one of the original founders       We are engaged in active discus-           This is based on the 35 per cent district just a short time ago.
      We see signs everywhere caution              reasons and priorilies assoc iated with of Earth Day that ignited so much sions with the developers of the                                                                          Therefore, Clark will seek county
  ing us that "school is open, watch for his and the Board of Education's                                                                                                                land coverage for this zoning with a
                                                                                                   interest in the environment buck in Valdez Principles lo clarify these and possible 670,824 square foot building assistance for the project, according
  children."                                       decision.                                       the 1960's, and I'm a long-lime other points so that our mutual ob-                                                            to their 19!) 1 Master Plan.
      I Inwcver, as once again we entrust            The argument that there are insuf- resident of Weslfield.                                                                           area.
                                                                                                                                              jectives miiy be achieved.                     With one parking space per 500            I am relieved that Westficld's cen-
  our children lo the school system, ficient funds would be very weak at                              We don't claim to be "environ-               Let me assu re my fellow Weslfield
  perhaps there i s something more we best since ihey could afford to liiro u                                                                                                            square fool, that equals 1,342 parking tral businessdistricl seems to remain
                                                                                                   mentally perfect" at American Tele- residents thai A merienn Telephone &              spaces, with many most likely thrown unscathed again, but we must remain
  should watch and beware tif, espe- teacher for a nan-required course with                        phone & Telegraph. But we are proud Telegraph is, mid will continue to be,                                                     vigiliint concerning any zoning
 cially if your child, like mine, will be          only nine students.                                                                                                                   into that peak hour time slot.
                                                                                                   of our overall record.                     committed la protecting our air, wa-           The worse ease scenario, speaking changes at this site, and any others
 attending McKinley School,                           Now we find Dr. Smith and Mrs.                  The firm is ii world leader in re- ter, and land, our planet.
     McKinley School has a very dedi- Pepper want to spend at least % 10,000 ducing ozouc-dcplcting chlorofluo-                                                                          in terms of peak traffic volume, would that could threaten our central busi-
                                                                                                                                                  We live here loo!                                                               ness district.
 cated and attentive staff.                        for a study of the intermediate schools                                                                                               be an office und/or shopping center
                                                                                                   rocarbons, and we have aggressive                                    Marilyn Laurie   complex which would entail even               I will continue to monitor the de-
     It is kept meticulously neat and                      id     ki
                                                   to avoid making a d i i they d
                                                                           decision        do programs in toxic air emissions re-                                             Wcslficld
 orderly with tremendous amount of not wish to take responsibility for.
     d l         ih             d                f                                                                                                                                       more parking spaces than Ihe present velopments at this site and keep you
                                                                           py                      duction and in recycling.                                                                                                       informed.
 pride.                                               ~ '             • •
                                                      Or just• maybe it •is our demo-                 We've already cul chlorofluoio-
     Yet, there isonc major flaw. This is graphics such as our ethnic and racial
 the only public school in Westfield lo mix, or simply politics?                                   carbon emissions from our manu-
  have the dubious distinction of hav-
  ing a part-time nurse.
                                                      I would liketothinkihese reasons
                                                   are not the case, but not gelling a
                                                                                                   facturing processes by 50 per cent.
                                                                                                      Our approach is lo prevent pollu-
     This is extremely unfair since il satisfactory answer does com pel one tion, rather than employ additional
                                                                                                   pollution cuiitml technology.
                                                                                                                                                                                      Health insurance
 causes only McKinley School chil- to wonder.
 dren lo he exposed lo an unnecessary
 and potentially dangcrnu.s rick.
     At first glance, one may not think an exercise in futility.
                                                                                                      Our manufacturing facilities in
                                                      The meeting I had with Dr. Sniitli Little Rock, Arkansas; Largo, Florida;
                                                   to discuss this situation seemed to be Shrcveport, Louisiana; Singapore ami
                                                                                                   Matamoros, Mexico, have totally
                                                                                                                                                                                             premiums to high?
 ill is lo lie a problem, yet our nurse is            I was assured for the I yiJ2 school
 only there in Ihe morning hours and, year that there would tic a full-time engineered 'chloiofluorocarbon
 in fuel, is on call until 9:30 a.m.                                                              emissions from their manufacturing                  We are pleased to announce a health insurance program that will pay
                                                   nurse staffed at McKinley.
     If a child were lo become ill or Yel when ! pressed on this issue, I processes.                                                                  you for being healthy.
 injured when the nurse is not avail- was told "hopefully" or "maybe" we                              New plains in Madrid, Spain;
 able, lie must first be assessed by a would have a full-time nurse, Inn Bangkok ami (iuadalajara, Mexico
                                                                                                  have been designed tu be chlo-
 non-medical staff member lo deter- there are no guarantees.
                                                                                                  rofluoiocaihon -Itvc at .start-up, And              An individual or corporate medical plan can be:
 mine ifii warrants bringing J nurse l<<              The Westfield Board of llducalioii other inaiuifnctuj'ing locations
 the school.                                       must rcvnluatc its position on Ibis worldwide ai'c well on the way to-
                                                                                                                                                                           - tailored to your exact needs
     The ill or injured child is compelled issue and determine if Ihe liability wards, mee-ling our goal to eliminate                                                      - fully guaranteed
 lo wail an extended lime for a pro- risk along with ihe fairness of pro- 100 per cent of emissions of the
 fessional evaluation.                                                                                                                                                     - underwritten by one of the country's leading insurance
                                                   viding a teach for a noil-required substances liy the. end of 1994.
     Moreover, if a child should require course for nine students is just, or for
                                                                                                     AT&T is also n founding member
nicclicalkw durifi£ Ificafieriiwn. Ilie that matter, anon-essential $I(),IKK)
piiK'iil must come in,since regulations study while 249 students are al risk.                     oflhe Industry Coiipeiiilive for Ozone
                                                                                                  LayerI'ruiecl ion, mi organizillion Ilial
understandably dn nut riermit children
 to sclf-mcdicatc.
                                                      I feel Ihe children attending works sviili the l.-jiviroiimcniul Pro-                                                         Your unused deposits will be refunded or invested as
                                                    McKinley School .should have the tection Agency in a wotldwiiJecflbrt
      This situation is extremely dis- same rights as every olher sliidcni in
                                                                                                  to reduce unit el in liualeCPCs used us
                                                                                                                                                                                    you choose! Let us tell you more.
 tressing to me. and the many olliers Ihe Weslfield Public Sellout .System.
thai IKIVC IHVOMK" U\V;IIL\ I'IW very                 We as parents also have the right In           We received tlie IWI New Jersey
obvious reasons.                                   demand this for our children while Cioveinor's Award for Pollution                                 Please complete the following and mail or call
    My main qucsiicui is: Why is t|Ueslioning why this has occurred.
                                                                                                  Prevention frinn ihe Male's Office of
Mi'Kinlcy School ihe only school                      1 believe that nwsl West fielders Pollution I're vent inn for our wurk in
wheie Ihe injured or ill must unit and would feel as I do on this subject and
                                                                                                 developing a soldering process for
                                                                                                                                                                                     Craig A. Hyldahl (908) 417-2460
piwcnts cotiu' lo llie school lo hope that our Hoard (lflidueation can
                                                                                                 the electronics industry which
administci medication in all of                    provide the appropriate reasons lliis el iniinales using cliliiitilliiorouiii lions
Weslfield'.'                                                                                                                                                                                                     'll be glad you did.
                                                   has happened and when we c;m expect altogether,
    I look m y concerns In Di. Mink C. n. satisfactory resolution lo this ex-
,Sinilli,oursclicH>lailiiiini^ir;ilor, who tremely unfair mid poientiiilly d;m-                      Developed ill I lie companies Hell
liildmellial "Matisiically" McKinley               geiuus situation.                             I .alioi atoi ies, the process is iivnilnhlc         I am an Interested [ ] Individual [ ] family [ ] business.
heiii|! a small school, M ' l vludenl>.,                                       Us,I M;l<llL»S toother htisinesscsariHind the world.
Ihal we s h o u l d "mil Imvc" any real                                             WcsllU-lil       Our toxic air emissions reduction
aciidcniN o r problems llml neivssi-                                                             program is equal ly iijigressive.                    Name:                                               Mail to:
nili'il Ilic iiiirsi." tiil'c.sialTeil lull lime.    Habitat tor Hiiiminilv                          We've icduci'd our toxic »iremis-                                                                    PROFESSIONAL BENEFIT SERVICES INC.
                                                                                                 sions hy iiHiio than half, with suvc!<il
    llnforiiimilely, l ) i . Sniilli nrvci              To Meet on Suiidiiv                      of mir nianufiiclitiinj! futilities tit W
                                                                                                                                                      Company Name:                                       Craig A. Hyldahl, EGA,
answeu'it my i|uesiiiui iis n> v\liv
McKinley i i ihe only-.clii>ol with ilu'i.
                                                       I liilnliit t i n I l i i i n a n i l y o f ( r n . i h i              pel i/ont iL'diiflion.                                                        Rarltan Plaza III
                                                   I'lmnlield             will       lioKI       its imuitlik
                                                   i m v l u i f . o n S u i u l i i y , S i ' i ' t r j n l n ' i I^ . a I
                                                                                                                                 Aiueiii'iiuTrk'iilione Hi Telegraph                Address:                Fleldcrest Ave., Suite 601
   As fin as statistics p i , I lio v tin1                                                                                    is sliiviiij: fni MlOpci ci'lll icdiiclioil                                   Rarltan Center
                                                   7: <(l p . m . a l t h e C I V S C C M I I               Avenue
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                                                                                                                              p:i|iei,wccolk'i'ied'l'l million |)iuniits            Phono;
                                                       11, i s a v u l t i n l r i ' i < i t j M i i i / . i l i o n   (•I'paper thai vvtis sold In rccyclers.
iiecident o r becomes sei knisly ill and           dedicated             In hinliliiij'.             afluidiihli:
a is not iiv.iihiHc I In- ilooi will
                                                                                                                                  l)y 11\ yd in (jo | rice | i.i pel s, sin-Ii us   Best time to call:
                                                   IHIIMII,         l o t p i i m bill sliil>lc I , I I I I L H ' S           computer pi inluuis, niiipi/itu's
open leu a ttiiiltiiilillidiulnlliii lawsuit           I n l ' o n i K i t i n n i s i i v a i l . i h k ' a l Mi I'.v        newspapers. Imoklels, cinxlii|iesfilld
based (in nq'Ji^.ciue.                             e l (.".Ieen L i m e , \ V , i l c l i i i n j ' ( I / I Mil I m b y       comijiiik'd liosci, we lieljteil save
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