resourcesABOUT MT AUTHOR GUIDELINES CLASSIFIEDS EDITORIAL CALENDAR MEDIA GUIDE MASSAGE MART SCHOOLS & EDUCATION FEEDBACK
The Chiropractor's Guide to CRISPR
Science magazine's "Breakthrough of the Year" award for 2015 was described as "the gene-editing tool called CRISPR." CRISPR stands for "clustered regularly interspaced short palindromic repeats."
Treating the Terrain of Chronic Sinus Infections
Chronic sinus infections can be stubborn to treat, but the therapeutic path forward can be simplified when utilizing three distinct treatment principles which take into account the terrain of the body, and the way in which microbes grow.
What's Bugging You? Probiotics and Your Health
An estimated 100 trillion microorganisms representing more than 500 different species inhabit every normal, healthy bowel. Gut-dwelling bacteria keep pathogens in check, aid digestion and nutrient absorption, and contribute to immune function.
5 Ways to Enhance Your Family Practice
Every practice has a personality style. A practice that caters to athletes, PI cases or adults, for example, projects differently to patients than a family wellness practice.
Shedding Light on the Benefits of Heliotherapy
I can't imagine anyone not feeling good strolling in the sun on a beautiful spring day. The sun is responsible for all life on earth and is best illustrated along the equator touting the richest biodiversity on the planet, in stark contrast to the Arctic Circle and South Pole.
How to Correct a Cuboid Subluxation
Cuboid subluxation is a poorly recognized condition, even though it is not uncommon. It has been described in the literature under various names: cuboid subluxation, cuboid syndrome, locked cuboid, dropped cuboid, cuboid fault syndrome or peroneal cuboid syndrome.
Integrative Cardiology: The Heart of TCM & Western Medicine
Patient centered therapy is a growing trend in hospitals that are expanding to boutique services.
The Qi Focus: A Guide to Managing Stress
Stress, are you experiencing heightened stress levels? Your own, and your clients? Is Trumpitis getting to you? I recently polled a cluster of acupuncturists, Asian Bodywork Therapists (ABT) and psychotherapy colleagues on the issue.
The First (Only) Choice for Spinal Pain
The study on NSAIDs for spinal pain summarized on the front page of this issue is intriguing on a number of levels, the most obvious being the conclusion that "compared with placebo, NSAIDs do not provide a clinically important effect on spinal pain, and six patients must be treated with NSAIDs for one patient to achieve a clinically important benefit in the short-term."
Toxicity & Kids: The Importance of Environmental Intake
The old adage is true that children are not little adults. Traditional Chinese medicine (TCM) has long known that the physiology of children is unique, as are the diseases that plague them.
Chiropractic: A Great Fit for the White House
Dr. Eric Kaplan is a New York Chiropractic College alumnus; a No. 1 best-selling author whose books include Awaken the Wellness Within and The 5 Minute Motivator; a chiropractor for professional sports teams and elite athletes; and even served as an advisor under the Clinton Administration to the President's Council on Sports & Physical Fitness.
Give Your Patients the Ergonomic Advantage
Prolonged sitting contributes to low back pain and is a health risk. When I discuss my POLITE technique practice recommendations with patients, ergonomics may be last, but not least!
Insomnia Treatment Based on the Yu Theory
In recent years, acupuncture has risen in popularity as a form of alternative or supplemental medicine for the treatment of many different types of disorders.
Treating LBP the Right Way: Think Natural
An updated clinical practice guideline from the American College of Physicians (ACP) recommends spinal manipulation and other non-invasive, non-drug therapies as first options for acute, subacute and chronic low back pain, rather than pain medications, as stipulated in the original 2007 guideline.
Good Works at the Canandaigua VA
Faculty and students of the Finger Lakes School of Acupuncture and Oriental Medicine (FLSAOM) of the New York Chiropractic College have provided acupuncture to veterans at the Veterans' Administration Medical Center (VAMC) in Canandaigua, New York since September of 2007.
Help Save an Important Chiropractic Landmark
The chiropractic profession has a splendid and varied history. Sadly, many landmarks have been lost to bulldozers and wrecking crews, such as the Ryan Building, Little-Bit-O-Heaven, Spears Chiropractic Hospital, and Clearview Sanitarium.
Scope of Chiropractic Practice: Why Now Is the Time to Expand
In my January article, "Scope of Chiropractic Practice: Is It Time for Change?" I discussed the use of the term primary spine care practitioner, the loss of privileges to diagnose in Texas, and the fact that the definition of "chiropractic" varied from state to state.
Waist Circumference: A Conversation Starter (Part 2)
Now let's discuss the clinical approach to reducing WC and implementation in today's chiropractic practice. The primary intervention centers around dietary modification and lifestyle habits aimed to reduce adiposity, improve insulin sensitivity and ultimately, diminish systemic metabolic dysfunction.
Making Sense of Liver Regulation
In Chinese medicine, the liver has the function of moving and storing qi and blood. In its moving function, the liver smoothly distributes qi and blood to the tendons, muscles and flesh through microcirculation.
News In Brief
A "Modern" Business Model. Acupuncturists may have a new professional atmosphere to consider, as a new concept is on the horizon - at least for one business.
NSAIDs No Better Than Placebo for Spine Pain
A meta-analysis of randomized, placebo-controlled trials comparing the efficacy and safety of NSAIDs with placebo for spinal pain concludes that among 6,065 spine pain patients, "NSAIDs reduced pain and disability, but provided clinically unimportant effects over placebo."
August, 2010, Vol. 10, Issue 08
Will Green Speaks Up: "I am not faultless"
July 21, 2010
Dear IMA Members,
The IMA celebrated sixteen years of memberships on April 1, 2010. On April 22, 2010 our insurance broker cancelled all five of our insurance policies although we were only in contention over two with one company.
We have been cooperating with the FBI for three years and just yesterday one of the parties plead guilty to insurance fraud. We expect the other parties to be found guilty soon.
I am not faultless. I began to sabotage the business through hurt and anger last year. Looking back I wish I had gotten some help because depression is a subtle destroyer.
I owe the insurance broker about $600,000 and am selling my farm and commercial building to pay that debt. I am embarrassed but honest. I refuse to become a liar.
In July of 2009 I received a claim on one of my two International Entrepreneurs Association's insurance policies. The person was not in our database. Our staff asked the insurance company to send us their file on this case. What we found out was that our insurance policy was being sold by another insurance broker with our name on the policy for an inflated wholesale price.
This had been going on for four years and we had been competing for business against our own policy with the Direct Selling Association in Washington, D.C.
My friends at the insurance brokerage had been raping me economically since 2004. I was hurt and angry. I found out from the U.S. Justice Department Insurance Fraud Division that this was not legal. I did not pursue a legal remedy. I went into a depression without even realizing it.
I stopped paying the insurance premiums and went into a tailspin. I lost interest in everything. When I finally saw where I had gotten to it was almost too late to save the IMA but we were managing the NAMT for their Board of Directors and it was with another insurance company. The premiums were paid up ahead of schedule every month and in great shape. We had only one claim that was not covered.
On April 22, 2010 the broker cancelled the NAMT policy with Colony for no reason except to stop IMA members from moving over to that organization. I was devastated.
I offered to sell the IMA to the ABMP for the balance due but they did not want to be caught up in the FBI case that is still pending. I don't blame them! It is already exploding.
Both the AMC and Massage Magazine wanted to take over the IMA for an insulting deal. My only option was to terminate our staff of 18 people and do the best I could to sell off assets and pay off my debt. I owe the money! I began selling off vehicles, investments, business equipment and now buildings. In over 66 years I have accumulated a home, farm and a commercial building. The farm and building are on the market with two potential buyers. The economy is not good to sell property.
The IMA had an excellent record of claims because I know the business. I have personally massaged over 30,000 hours of clients. I know what not to cover like T-bars.
I am committed to Jesus Christ although I feel like an embarrassment to Him right now. I began too pray a lot more than usual and out of the blue I got a phone call from an insurance broker. I told him what I needed. He told me I was nuts! A few minutes later he called back and said the insurance company was interested. The NAMT was alive again with the best insurance anyone could ever hope for.
The very best insurance companies like State Farm®, Nationwide® or Allstate® are admitted to do business in every state as admitted carriers and their policyholders are protected by state insurance pool funds. This new company is an admitted carrier. All of our previous carriers were surplus lines carriers. Admitted is best, way best!
I never ever even dreamed of getting an admitted carrier to insure massage. Admitted carriers write individual insurance policies for each member. They deliver certificates of insurance on Acord® insurance forms and write separate certificates of insurance for each additional insured, hotels, landlords, parks, etc.
All the other associations have master policies. The members are added to the policy with their limits. Here is what I have learned from the FBI case. The U.S. Justice Department Insurance Fraud Division has also given me a great education. The insurance industry has problems.
These master policies have a limit. Most are $ 10,000,000. Each member is told they have a $ 1,000,000/3,000,000 limit but that is not really true. If the entire policy reaches $ 10,000,000 in claims they have no ($ 0) coverage at all. For sixteen years I was never told this by the insurance brokers. My bet is none of the associations know this!
Knowledge is power. I will never do business again without real insurance done the proper way. I am sad that the IMA is over. The IMA created insurance that covered multiple modalities under one policy. The IMA was the pioneer and for that I am proud.
For sixteen years I was lied to by every insurance agent, broker and personality the IMA dealt with. Each one wanted our money but neglected to tell us the whole story. I was given lots of misinformation. I teach my children to always tell the truth and if you mess up, face up to it, fix it and move on. I want a legacy of honesty.
I have learned more about insurance since the IMA demise than over the previous sixteen years. For several years the IMA sold equine massage insurance only to learn that the horses were not covered. We informed the broker and immediately stopped. Others picked up our business knowing the truth. We could not knowingly do that to our members. That is wrong.
ABMP is with the same company the IMA had. Does their policy have a limit? Good question if you have their coverage. To not disclose the whole story is not right. We need the truth to do business correctly.
Massage Magazine is with the broker who cancelled us and is using an off shore insurer. HOTA and ATA are also with them. I am not sure the broker will survive the ongoing FBI investigation with one of the parties already pleading guilty to insurance fraud just yesterday.
The AMC policy is claims made. If you ever leave them you have no coverage for past claims. The IMA forced everyone to go to occurrence form coverage when we started including the AMTA. In my opinion no sane person would buy claims made insurance. You can never retire!
For massage there is only one logical choice, NAMT, real insurance with a real insurance policy directly from an admitted insurance company for the lowest price in the industry. The insurance company answers your questions directly. Not only that, $ 89.95 a year!
Next Thursday the Health and Beauty Association, Inc. is meeting with a real insurance company for cosmetology, esthetician and nail tech insurance. HBA hopes they will consider including massage in this coverage also.
The IMA is still managing the NAMT for the time being.
The NAMT has dropped their non-profit status as of this month.
At the end of 2010 the IMA will be officially terminated and the HBA will take over management of the NAMT. Lots of changes! In the long run you will be the winner with better insurance that is real and above board.
Sometimes shakeups are good. They are just hard to go through. Change is never easy.
A lie only lasts for a moment but the truth lasts forever. Thank you for your support for the past sixteen years.
I have loved serving you.
P.S. The Massage Today article's information on IMA and myself came from unnamed sources. We know how rumors start. This is simply character assignation. Should I thank them for their unbiased reporting?
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