Referral rates vary greatly by physician specialty

Article Abstract:

An American Medical Association (AMA) survey indicates that general medical practitioners refer their patients to other doctors more often than physicians in specialized medical fields. Obstetrics/gynecology physicians had the lowest referral rate, 4.0%, followed by surgical specialists, who referred patients in 4.7% of cases. The highest referral rates were in general/family practice and emergency medicine, with referral rates of 11.2% and 57%, respectively. Overall, physicians referred their patients in about 9% of cases.

Statistics, Surveys, American Medical Association, Medical referral

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Early pension distributions may be taxing problem

Article Abstract:

New income tax rules that take effect in Jan 1993 include a required 20% tax deduction from pre-retirement distributions unless directly rolled over into a previously established individual retirement account or other qualified pension. The new rules cancel the 60-day period during which rollover funds can be retained. However, a refund of the 20% withholding tax can be claimed if the rollover was accomplished in 60 days. The Internal Revenue Service plans to issue clarifications of the new rules.

Finance, taxation, & monetary policy, Management, Taxation, Laws, regulations and rules, Pensions, Income tax, Individual retirement accounts

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Life insurance policies offer array of commission options

Article Abstract:

The cash value of many whole life or universal life insurance policies can be much less than one would expect, primarily because a large part of the premium for the first several years goes to pay the agent's commission and other fees. There are alternatives to full-commission policies, however, including policies with no commission or a reduced commission and commission rebates. Consumers need to evaluate their needs before making a purchasing decision.

Economic aspects, Prices and rates, Life insurance, Commissions (Compensation), Commissions (Fees)

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