resourcesABOUT MT AUTHOR GUIDELINES CLASSIFIEDS EDITORIAL CALENDAR MEDIA GUIDE MASSAGE MART SCHOOLS & EDUCATION FEEDBACK
Correcting Rib Dysfunction: Improve Patients' Pain, Posture and Breathing
As chiropractors, we tend to focus on the spine, and rightly so. Many problems our patients face can be corrected by manipulating the correct spinal level.
The Acupuncture Channel System (Part 2)
The primary channels (main channels) are introduced in chapter 10 of the Ling Shu, these channels are referenced in many chapters throughout the Su Wen and the Ling Shu. The primary channels have become the main channel system used in TCM.
A Brief History of Acupuncture and Oriental Medicine Doctoral Programs
A doctorate in acupuncture and Oriental medicine has been a goal of the profession since its beginnings in the late 1970s. At that time, however, the maturity of the educational institutions and the regulatory environment made it a goal with only a distant completion date.
VF Works / DMX Works Epilogue: Almost Two Decades Later, the Lawsuits Continue
An article in the March 8, 1999 edition of Dynamic Chiropractic examined whether then-VF Works / Nu-Best Franchising was selling its franchises illegally to doctors of chiropractic.
Gather & Grow
I recently attended a faculty seminar held by one of the acupuncture schools. There was a facilitator who led us through some very interesting experiences. The attendees were a diverse group with varying opinions.
The Large Intestine Official
The large intestine (AKA colon) is the great eliminator, or as J.R. Worsley called it, "The Drainer of the Dregs." Dregs are defined as the remnants of liquid with its sediment left in a container, or the basest, least valuable portion of anything.
Near-Infrared Therapy for Diabetic Neuropathy
The pain experienced by people with diabetes is a symptom of diabetic neuropathy. The impact on quality of life is significant. Pain makes walking difficult, sleep troublesome, and eventually contributes to a decrease in social interaction.
Treating the Lower Pelvis (Pt. 2): Midline Structures and Fascia
My previous article [October 2016 issue] outlined evaluation and treatment of pelvic issues involving the sacrotuberous ligament and the pubic symphysis. Now let's discuss two case studies that illustrate how to address additional problematic areas of the pelvis.
Spiritual Initiation: Opening Your Higher Healing Abilities
People drawn to the field of acupuncture and Oriental Medicine tend to be those who march to the beat of a different drummer.
TCM & the Caregiving Population: Treatment Considerations & Our Vital Role
Informal caregiving is increasingly a reality for many Americans who find themselves providing unpaid care for a loved one or a family member with a long-term, terminal, or chronic illness.
Advancing the "Whole Organ" Spine Model
Historically, the human spine has been organized by body region utilizing specific anatomical landmarks and transition zones.
House Calls With Dad
My father was a chiropractor and he did house calls. On Wednesday nights, while my mother attended the weekly women's meeting at the Odd Fellows and Rebekahs hall in our small town, dad loaded up the portable adjusting table, fired up the Pontiac and drove off to treat a few patients in their homes. I went with him.
Latest Cassidy Study on Stroke Risk Published
The latest study to investigate whether a unique association between chiropractic manipulation and risk of cervical artery dissection / stroke exists has yielded similar encouraging findings, with the authors noting "no excess risk of carotid artery stroke after chiropractic care" and no significant risk difference between patients receiving care from a DC or a primary care medical provider.
ICA Goes on the Vaccine Offensive
Have you watched the vaccination documentary, "Vaxxed: From Cover-Up to Catastrophe," by Andrew Wakefield MD, director, and Del Bigtree, producer? This is the documentary Robert DeNiro was pressured to remove from his Tribeca Film Festival.
Paperwork Done Wrong, Done Right
I was visiting a doctor's office recently and a member of his staff brought a stack of forms to his private office and laid them on the doctor's desk. She informed him he needed to complete the forms for patients and a few third parties.
Waist Circumference: A Conversation Starter
New estimates suggest more than two-thirds of Americans are either overweight or obese. The medical significance of this statistic is astounding.
AOM Residency at NUNM
Imagine you're a recent acupuncture graduate, worried about making enough income as you forge your new career and seek more in-depth training in a particular treatment style.
Getting Unstuck: Healing From Trauma With TCM, Qigong & Movement
We all come into this world vulnerable, with seeds to grow into our strength. Some of us — through a combination of good fortune (i.e., family and culture we are born into, constitutional inheritance, or ability to learn) grow with minimal interruption from traumatic injuries and experiences.
Helping Patients With Parkinson's Disease
Parkinson's disease (PD), a long-term degenerative disorder of the central nervous system that mainly affects motor function, has a slow onset over time.
Chiropractic in Texas Is Under Attack
The profession of chiropractic faces an unprecedented challenge in Texas, an attack that is more aggressive, sustained and dangerous than anything previously seen. The medical lobby has launched a coordinated, multi-front assault.
4 Things Every DC Should Know About Levels of Care & Prevention
As health practitioners, we help people with their health problems and assist them with health promotion and disease prevention.
Reader Beware: Consider the Source
The aftermath of last year's presidential elections brought a running conversation on the role played by "fake news" that was largely presented via social media.
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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