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Posted by on Mar 12, 2017 in Uncategorized | 0 comments

The Importance of Pre-Employment Testing

Employers, especially those from large companies, often have big pools of applicants. This can become a problem in the hiring process, so a way to make the process more manageable has been formed. Pre-employment testing is a way for employers to gather relevant data from applicants. This way, they can filter those who are qualified and those who are not.

Qualified can be a complicated word, as different employers have different sets of qualifications. For this reason, different kinds of pre-employment tests are also utilized.

Common Forms of Pre-Employment Testing

Cognitive Tests: This kind of tests measures the mental capabilities of applicants, particularly in the aspects of critical thinking and problem solving.

Skills Tests: This can be in written or practical form. It involves questions and tasks relevant to the position an applicant is applying for. It is used to measure the capability and potential of the applicant in delivering the tasks relevant to the job.

Personality Tests: Sometimes, pre-employment tests also try to identify the personality of the applicant, so the employer can know how the applicant can perform on the job and how he or she can cope with co-workers.

Physical Ability Tests: There are jobs that are inherently demanding physically, so the applicants must prove that they have the physical capability of performing the tasks of the position they are applying for. These tests may measure strength, agility, and other bodily factors.

Benefits of Pre-Employment Testing

Pre-employment testing is beneficial to both employer and applicant. For the employer’s side, testing may help save time by easily identifying those who will most likely perform well on the job and filtering out those who will most likely do not.

Testing for employment may be a hassle for an applicant, but this can help him in assessing his own strengths and weaknesses. Also, he may avoid getting jobs where he can be incompetent, opening the opportunity of finding better jobs elsewhere.

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Posted by on Aug 10, 2016 in Uncategorized | 0 comments

Understanding The Basics of Uninsured Motorist Coverage

Auto insurance can help you get coverage in case of accidents. Your policy will save you from the huge expenses associated with auto accidents. But what if the other driver who got involved in the accident does not have insurance coverage? According to estimates by the Insurance Research Council, 1 in every 7 drivers does not have insurance. This is in the light of the fact that such accidents can mean significant costs if the uninsured driver was deemed at fault.

The website of Zavodnick, Zavodnick & Lasky, LLC, revealed that most insurance companies now offer uninsured motorist insurance. While some drivers do not have any coverage at all, others carry only the minimum cover required by their state. In most instances, this is not enough to shoulder the medical bills for injuries. This is called underinsured motorist coverage.

Uninsured/Underinsured motorist coverage shoulders medical costs as well as damages to your car or other properties caused by an uninsured driver. But what does this type of insurance cover? Typically, this kind of policy will provide coverage for bodily injuries. It will cover you as well as your passengers for medical expenses, pain and suffering, and lost wages. It also provides coverage if you are a victim of a hit-and-run accident.

Uninsured motorist insurance have a set minimum coverage limits and it is recommended to choose higher limits.

Split Limits

In most instances, your insurance coverage will differ if there is one person injured versus multiple people injured.

Combined Single Limits

You also have the option to purchase a combined single limit policy which is a single amount that your carrier will cover for all bodily injuries.

Property Damage Coverage

Property damage is usually not required and not offered at all in most states. However, if it is offered consider purchasing it as it can free you from significant expenses usually associated with property damage.

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