Monday, December 3, 2012

Top 10 Retail Business Ideas for 2013

Turning the top 10 retail business ideas for 2013 into reality and succeeding in them is no surprise because retailing has been the core of business operations since the time barter was the rule rather than the exception. Many of the world’s billionaires earned their first 11-digit bank accounts by retailing their world-class products. However, that doesn't mean you need to come up with globally competitive products right away to succeed in the retail industry. 

The list below gives the top 10 retail business ideas for 2013 with the fastest Return-on-Income (ROI).


Friday, November 30, 2012

Top 10 Entertainment Business Ideas for 2013


If you are looking for feasible business ideas, our top 10 entertainment business ideas for 2013 might be what you are looking for. The entertainment industry is booming and it perfectly coincides with the advent of social media management and social network marketing. The internet now makes up the most crucial part of succeeding in the entertainment industry – reaching the audience. Whether you are targeting show business, backstage services or technical services, you will not run out of choices.

Not all exciting business concepts can be considered good. Check out this top 10 entertainment business ideas for 2013 that are guaranteed lucrative and promising.


Top 10 Tips for Family Business Succession Planning


Family business succession is a crucial part of passing the responsibilities to the younger generation while avoiding decrease in revenue resulting from losing clients, ineffective new management styles and defective cash flow structuring. On this matter, it is a must to follow 10 important things that we enumerated in the top 10 tips for family business succession planning.

Check out the important tips that made our list.


Thursday, November 29, 2012

Six Reasons Why BlueHost Is the No.1 Web Host


Among the well-known and top-rated web hosting services today, BlueHost is a favorite choice as it epitomizes the quality service every customer deserves. Truly, this most trusted web host possesses all the aforementioned qualities individuals and companies on the lookout for such service need to consider. Albeit similarities with other web hosting providers, it still leads the race by giving over-the-top features and cost-efficient packages. The freedom it gives in choosing the package also adds flexibility to non-company clients. This is certainly perfect for bloggers and organizations alike.

Some features are better than what competitors have, although the latter also have their own ammos to boast. Nonetheless, as a whole, BlueHost will certainly surprise critics with its set of impressive features.
Here are some reasons why BlueHost hails victor in this industry.


Top 4 Features of an Excellent Web Hosting Service


Choosing the perfect web host is half the job of going online, whether it is for business or personal use. As the web host will determine your success in accessibility through the World Wide Web, looking for the most reliable, trusted, user-friendly and convenient provider is an imperative. With the bunch of Internet hosting services being offered to start-up professional and amateur websites, this search is certainly not an easy task.

Some of the popular web hosting service providers

Here are the features you need to keep in mind when looking for the best web hosting service.


Pros and Cons of Popular Cystic Acne Treatments


Cystic acne is an incessant skin disease suffered by 50 million Americans, regardless of ethnicity, skin color and gender. The odds are that one out of seven people you pass by everyday has or had acne breakout at least once in his or her life. Usually concurrent with adolescence, the condition starts to disappear at the age of 20 with or without any form of medication but may also continue to worsen until midlife due to continuous infection or the influence of biological traits. The medical community sees it as a normal part of human development, and indeed, the statistics fully agree.



However, there is no reason for you to take part of the embarrassment and extreme blow to self-confidence that acne brings. There are scientific and practical approaches to curing this skin condition that are proven effective on many people. Effectiveness differs from person to person but by choosing a well-known and commonly used cystic acne treatment, you might stumble upon a permanent solution towards a clearer and beautiful skin.


Attraction Marketing – The Best Way to Attract Clients


Attraction marketing system is becoming the marketing style of choice around the globe for a gamut of industries. As the term implies, it aims to attract prospective clients rather than directly sell yourself or your products. It is indeed the exact opposite of traditional marketing methods. Although it may sound unconvincing at first, especially in the internet age when everyone seems desperate to pop up an advertisement on your face even while you’re playing online games or chatting with a friend, the trend doesn’t get its figures and success stories out of nowhere. But is it for everyone?

Attraction Marketing System: Rules and Principles

To clearly separate attraction marketing system from traditional marketing and experience its guaranteed benefits, one must know how to play the cards of this MLM system the right way. Knowing how it works is not enough, but by sticking to its principles, success will surely come your way.

Here are the rules and principles to be followed in applying attraction marketing.


Why Choose Attraction Marketing System?


Attraction marketing system is new to marketers but that doesn’t make it any less effective as compared to traditional marketing system. As a matter of fact, older marketing systems are already left out by modern lifestyle, and that includes maximizing internet for communication.

Celebrity testimonials are used to build up
reputation of brands

Attraction Marketing System vs. Traditional Marketing


While traditional marketing taught to you find people as your target market by whatever means possible, attraction marketing system lets you project yourself as someone likeable, making customers come to you in the process rather than the other way around.

Unlike traditional marketing system, attraction marketing system focuses on developing your primary assets – product, website and yourself. A good testimonial and genuine word-of-mouth are the best advertisements you can have under this principle.

Billboard: A Type of Traditional Marketing that can also be utilized
in Attraction Marketing System


Most Effective Attraction Marketing Tactics

1. Video marketing

In order for you to create sufficient traffic back to your site, you need to build relationship to a personal level as much as possible. There is no better way to do this than by posting a video with you talking on a personal and friendly tone. Introducing yourself and story on ways that regular people can relate to makes video marketing an effective tactic, an emotionally endearing tactic at that.

2. Content and Search Engine Marketing

Making your website Google friendly will increase your chances of making it to the top of SERPs (Search Engine Result Pages). Search Engine Optimization (SEO) and social networking will also keep your visibility afloat. Liking you is a good thing, but customers liking you and remembering you as well make the difference.

Top 6 Things That Determine a Perfect Sectional Sofa


Looking for the best furniture is like hunting for fashion-forward wardrobe. Thousands might fit but only few will look great. Cheap sectional sofas are no different from the expensive ones if only you know what makes a piece a perfect find. By picking a well-crafted sofa that fits perfectly in your home regardless the price, it will exude elegance and luxury that you’ll even forget it’s a bargain.

Check the qualities that bring difference inside your home and your lifestyle.


Biggest Considerations in Choosing the Best Flagpoles

Whether it is for personal use or business use, picking the best flagpole is very important as it might mean danger and waste of money when overlooked. Like flag, there are hundreds of shapes, sizes, colors, materials and built to choose from when buying a flagpole, and it is important that you know the best choices especially if it is meant for public display.




To help you choose the perfect match for your flag or place, here are the most important things for you to consider.


Best Tips for First-Time Buyers of Bonsai Trees

What are the basic rules for first-time buyers?

1. The rule of thumb is, the smaller the pot is, the more frequent watering and fertilizing should be (in small amounts, of course).

2. Bonsai plants may take years to flower or bear fruit. Researching on the specific plant you want to purchase is needed to make sure that your expectations will be met.

3. All maintenance requirements should be asked prior to buying, so you know how tedious the bonsai training can get.


Five Things to Know When Buying Bonsai Trees for Sale

Bonsai trees for sale are among the bestselling decor plants because they exude luxury, class, pristine beauty and freshness that will match all architectures and landscapes of any establishments. In Asia, these trees are said to bring good luck and longevity, represented by their ability to stay sturdy for centuries. For some people, they are pure elegance and status symbol.

Often passed down to generations as heirloom, bonsai trees are great centerpieces. Despite their relatively high prices in the market, many people still prefer them because they are not only decorations but guaranteed investments. Just like antique items, their prices also soar higher the older they get.


Being able to afford bonsai trees is not everything when it comes to buying. There are lots of crucial factors to be considered to make the cultivation successful. Check the things you should know before making a purchase.


Monday, September 10, 2012

Occupational Disease: Cancer of the Philippine Business Sector

I. What is Occupational Disease?

Occupational diseases in the Philippines are so common that common workers no longer know the difference between work-related diseases and hereditary or pre-existing illnesses. This awareness shortcoming results to the deprivation of rights which are all supported by Philippine law, and specifically, the labor code and Presidential Decree 626.

The term occupational disease refers to any ailment caused, developed or resulted from work and by the work environment itself. The disease may originate directly from the nature of work, the risks encompassing the job, the environment that comes with the work or any factor brought about by the duties.

Manual laborers almost always experience muscle sprains due to their job description. Encoders are always at high risk of developing Carpal tunnel syndrome (CTS) due to the repetitive positioning of the hands on keyboard. Chemical engineers who frequently rove chemical plantations are always exposed to toxic chemicals that may cause lifetime respiratory and organ problems. Street sweepers whose duty is practically to work with dirt, garbage and pollutions may develop diseases associated with their job description, like leptospirosis during rainy season and skin cancer from prolonged exposure to the sun and pollutants during hot dry season.

Occupational diseases are not to be confused with occupational injuries. The former term results to long-term health conditions that may interfere with the performance of responsibilities, if not totally impede one from working, while the latter is used to describe short-term injuries obtained from work-related factors that may minimally, if not totally, affect the performance of tasks and responsibilities of the worker.

Unlike injuries, occupational diseases are grounds for claiming early retirement benefits in the form of disability compensation arising from the need for long-term or permanent medical support, or temporary or permanent disability of the claimant. With all the medical reasons entitled to corresponding compensation into consideration, the fact remains that occupational injuries are still plausible to aggravation, leading to occupational diseases in the long run.

Common and rare diseases, whether medically classified as hereditary, genetic, environmental, incidental, etc., can be considered as work-related. Thus, all occupational diseases fall under other medical categories as well.

Primary ailments are not always occupational in nature and occupational diseases are not always primary ailments. Howbeit, complications of non-work-related sicknesses forming new ailments due to work-related factors can be declared occupational diseases as well. Such cases are still subject to contest by and large, principally and legally speaking.

All compensations for work-related ailments, injuries and deaths in the Philippines are upheld by the Employee’s Compensation Commission (ECC). Appeal on the body’s decision is still possible through regular litigation process in the courts.



II. Identifying the List

Among the health conditions considered as work-related sicknesses, either as direct effect or as complication arising from occupational risks, respiratory conditions are the most prone to aggravation that may develop to more serious ailments.

The following are the recognized occupational and compensable diseases as universally accepted.

  1. Cancer of the epithelial lining of the bladder
  2. Cancer, epithellomatous or ulceration of the skin or of the corneal surface of the eye
  3. Cataract
  4. Deafness
  5. Decompression sickness
  6. Dermatitis
  7. Infections
  8. Ionizing radiation disease, inflammation, ulceration or malignant disease of skin or subcutaneous tissues of the bones or leukemia, or anemia of the aplastic type
  9. Poisoning
  10. Pneumoconiosis
  11. Diseases caused by abnormalities in temperature and humidity
  12. Vascular disturbance in the upper extremities
  13. Viral Hepatitis
  14. Poisoning by cadmium
  15. Leukemia and lymphoma
  16. Cancer of stomach and other lymphatic and blood forming vessels; nasal cavity and sinuses
  17. Cancer of the lungs, liver and brain
  18. Cardio-Vascular Diseases
  19. Cerebro–Vascular Accidents
  20. Malaria and Schistosomiasis
  21. Pneumonia
  22. Hernia
  23. Bronchial Asthma
  24. Osteoarthritis
  25. Viral Encephalitis
  26. Peptic ulcer
  27. Pulmonary Tuberculosis
  28. Essential Hypertension
  29. Asbestosis
The given occupational diseases can still lead to other complications, which may or may not be recognized as work-related. This issue is subject to investigation and hearing as pleased by the appealing party.



III. Occupational Disease in International Perspective

The international community, especially the United States of America, doesn’t see the issue as a laughing matter. In fact, specializing research and regulating bodies have been established to cater to the cause and adhere to international standardizing guidelines in relation to occupational safety and health. These bodies commit to the improvement and more efficient management of Environment, Health and Safety within public and private organizations in a global scale.

A complaint of an ailing worker in the US against a company unwilling to render disability compensations and benefits can easily lead to a half-million law suit, and similar cases are not unusual in their justice system. The information dissemination on the rights of US citizens regarding occupational safety and health is incredibly high as there is an active propagation of labor laws as initiated both by the government and private sectors. Such issues also catch significant media attention which proves that safety and health matters at work are growing interests in their culture.

Do Filipinos act the same with such violation of their right?



IV. Knowing the Rights and Benefits

Stated in Chapter VI of the Labor Code are the declarations a patient can file, which are classified according to the status of the illness – temporary total disability, permanent total disability and permanent partial disability. Compensation benefits cover all disability categories under the Workmen’s Compensation Law (PD 626).

All Filipinos proven to be suffering from the backlash of working under hazardous and risky conditions are entitled to disability benefits unless disqualified under legally exempted circumstances.

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Disability benefit refers to the compensation package granted to an employee from private or public sector, including the dependents, to make up for the provider’s lost opportunity to continue working, temporarily or permanently, due to work-related injury, sickness or death. The disability benefit is given by the Social Security System (SSS) in the form of Disability Compensation or the Government Service Insurance System (GSIS) in the form of Employees Compensation (EC), whichever organization covers the employee’s membership. Depending on the claim’s category, an employee can avail either of the following mandatory benefits:

  • cash income for disability or death
  • medical assistance and related services for sickness or injury
  • rehabilitation services in addition to monetary benefit for permanent disability
The enumerated privileges (as only members can avail) all fall under mandatory benefits as stipulated by the Philippine Constitution. However, another set of benefits or monetary compensation can be availed directly from the employer (right to a safe working environment) if it can be proven that there is negligence on occupational safety and health on the employer’s part. Conscious negligence or not, the employer is still accountable to the employee.

Whether privilege or right, a claimant can file only one claim, or all at the same time, if applicable.



V. Employment: Links and Probabilities

In the last couple of years, there is a significant increase in incidents of work-related illnesses in the country which prompted the Occupational Safety and Health Center (OSHC), a branch of the Department of Labor and Employment (DOLE) tasked to do continuous research and information dissemination on occupational safety and health, to recommend new entrees in the existing list of accepted occupational diseases. Occupational cancers such as lung cancer, bladder cancer, leukemia, liver cancer and three more related diseases lead the newly identified health cases to which qualified employees are protected against.

Chronic renal failure is also seen climbing the charts. In fact, it appeared in SSS’ record as the most frequent basis of disability claims, albeit not necessarily reflecting work environment origin.

The increased number of occupational health risks remains bothering, but the opposite in number is seen among successful compensation benefits awarded to availing employees.

According to the preliminary results of the January 2012 Current Labor Statistics (CLS) released by the Bureau of Labor and Employment Statistics (BLES), the Philippine labor force is still largely comprised of employment from the services sector which sums to almost 20 million people. This translates to more Filipinos with employers to back-up the upheld labor right mandated by the Amended Rules on Employees’ Compensation. However, this is only on legal basis and not on actuality.

The service sectors are teeming with minimum wage employees, and they are the most vulnerable to environmental, health and safety hazards. They are also the less benefited in pre- and post-employment periods.

The Philippines has more underemployed workers at 19.3% of the entirety than those employed who commensurate to their educational attainment. They both seemingly fail to maximize their rights to compensation for occupational diseases and injuries. In a country where majority in the underemployment statistics belongs to manual laborers, with only 41.2% reaching at least high school level, the concept of such right is widely unknown. As the agricultural sector predominantly represents the labor force at 43.4% in the underemployed category alone, while only 40.7% belongs to the services sector, it is deduced that most marginalized Filipinos do not even have employers to seek for when it comes to occupational diseases and the compensations and benefits that come with it.

Certainly, there is lack of awareness among workers whenever a violation of their right to avail compensation and benefits for acquired illnesses as possibly caused and developed by environmental and occupational factors is committed. But tracing the lack of knowledge on such cases, the lack of awareness has possibly arisen from the unidentified acceptable occupational diseases.



VI. Diseases: Occupational or Pre-existing?

In a report compiled by the National Statistical Coordination Board (NSCB) in 2009 and published in Philippine Industry Yearbook of Labor Statistics, work-related musculoskeletal diseases topped the list of occupational diseases in the Philippines. These are the lesser serious cases with include back and neck-shoulder pain, shoulder tendinitis and the infamous carpal tunnel syndrome, which is often developed from repetitive wrong posture of the hands while doing work in front of the computer.

Peptic ulcer and essential hypertensions follow next but may also be contested by employers as primary ailments or pre-existing conditions – illnesses that are either hereditary or possibly developed at an earlier time prior to employment.

However, the most widely accepted diseases in the row are occupational dermatitis and bronchial asthma. Occupational dermatitis is a type of contact dermatitis where the allergens are acquired from the work environment. For some workers exposed to similar risk, this may seem a normal skin reaction caused by a hard day’s work due to the lack of understanding of the chemicals and irritants regularly used in the workplace. Manual laborers from the construction, manufacturing and agricultural industries often experience such condition, but they stay unprotected most often than not, physically and legally.

Many victims consider the condition less dreadful that does not require exacting legal process for compensation. This is, of course, notwithstanding the cause.

Click to enlarge

Bronchial asthma, a commonly reported occupational respiratory disease, is also often seen among Filipino workers, whether toiling on a menial job or office setting. Many studies relate it to environmental risks, most of them found in workplaces. Unfortunately, as it is the most prominent pre-existing condition as well (even medical insurance companies classify it as pre-existing), direct connection is not readily acceptable. Patients with bronchial asthma, whether authentically connected with past jobs or not, will have hard time proving the claim to the authorities.

  

VII. Occupational Disease vis-à-vis Economic Standing

Another fatal occupational disease worthy of attention is tuberculosis (TB), also the sixth leading cause of mortality among Filipinos. Surveys show that it frequently appears on retired factory workers, especially the ones from industries utilizing chemical in production and wood works. However, its most prominent link is to cigarette smoking, both active and passive. On this ground, proving origin from the workplace is highly contestable.

Despite the obscurity on the basis of identifying TB as common occupational disease in the Philippines, international data on the top causes of mortality collected by the World Health Organization (WHO) show it as a prevalent reason for death only among low- and medium- income countries. It does not appear in high-income countries. According to The World Bank, the Philippines is classified as a lower-middle-income country.

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TB is the seventh top killer disease among low-income countries. It is sixth in the Philippines, also a low-income economy. This shows that there is consistency among classified countries.

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As the income level of the countries moves up, the record of TB-related deaths also goes down.

Click to enlarge

Among the high-income countries or first world countries, TB is not a top killer disease. These countries include the following:

Click to enlarge

It is worth adding that the countries with less recorded TB-related deaths also have more teeth when it comes to Environment, Health and Safety (EHS) standardization as compared to the Philippines.

The economic standing of countries according to salary does not necessarily correlate with the type of disease, occupational or not. It is noticeable, though, that the countries having generally higher cases of TB mortality are the ones with more menial jobs on industries employing manual laborers.

In the Philippines alone, where many TB patients link their disease to work environment, there is an apparent trend in the social category of victims, significant majority belonging to wage earners.

On the other hand, the first world countries have fewer incidents, insufficient to place it on the top list. It can be deduced without finality that the type of work environment and nature of work in these countries affect the end result of their mortality rate in accordance to cause. Likewise, these richer countries have unquestionably better facilities, working conditions and better practices and standards of Occupational Safety and Health (OSH). Their guidelines are more likely seen as applied rules than theoretical, having more research and stricter guidelines on OSH regulation as mandated by laws.
  


VIII. Occupational Safety and Health (OSH) Standardization

There is an ongoing initiative by the World Health Organization (WHO) and the International Labour Organization (ILO) – two leading agencies advocating occupational safety and health standardization and monitoring at an international scale – to assist developing nations on OSH matters through projects like “Healthy Cities” (a project that aims to “establish healthy public policy at the local level through health promotion).

Based on the 2007 Factsheet released by the European Agency for Safety and Health at Work, the reference for this global action, developing countries allot lower budgets for OSH but spends relatively higher percentage of their GDPs on work-related illnesses – as much as 10% of the total GDPs while European nations under the strict mandate of the aforementioned agency only spends around 2.6% to 3.8%.

The agency sets the same standard for all member countries, making the advanced development, promotion and productivity in each member state at par with each other; thus, at par with international standards.

Using the data, it can be interpreted for European countries alone that the lower the OSH budget and policy regulation is, the higher the spending on avoidable circumstances like occupational diseases will be.

In the United States of America (USA), the Occupational Safety and Health Administration (OSHA) enforces all regulations and requirements as mandated by the federal law. It is the governing agency of the US Department of Labor in charge of certifying and inspecting companies. Unlike its counterpart in the Philippines (OSHC), the requirements set by OSHA are all for compliance to keep the operation going. The OSHC requirements, on the other hand, are for accreditation purposes only and not do not serve as prerequisites for permits.

The world’s most recognized certification for occupational health and safety management systems (OHSMS) is the OHSAS 18000 (Occupational Health and Safety Advisory Services), a British Standard pioneered by BSI Group (British Standard Institution). It is renowned as an equivalent to ISO 9001:2000 and ISO 14001:2004 – the highest certifying body for private or public organizations worldwide. These standards are prevalently used in Europe and North America to help with occupational health and safety performance and develop policy making methods.

Click to enlarge

Passing one of the three aforementioned certifications is complicated enough. In spite of the difficulties in achieving these high standards, many international organizations still aim to implement all three to get the corresponding accreditations.

Despite global recognition and widespread application from western countries and first-world Asian countries (even including Malaysia), Philippine companies do not widely use these standards and in fact, do not allot budget as much as their foreign counterparts do.

The AFNOR Groupe of France and Standards Australia are the counterparts of the Occupational Safety and Health Center in the Philippines. Both agencies have the same strict regulations as that of the International Organizations for Standardization (ISO).

The countries with less numbers of deaths as a direct result, if not associated, of occupational diseases belong to the group with stricter and more regulated standards in OSH. More studies are also conducted by their designated agencies to conform and adopt improved policies and guidelines on occupational health and safety management.



IX. Disability Benefit Claims, Refusal and Dismissal

Like in any other claims, an investigation is imperative as stated in government and company policies. Oftentimes, the investigation reaches litigation through court hearing. This is the most difficult part – proving the claim and the liability of the employee and employer, respectively. Inauspiciously, it is safe to state that claimants who reach this stage are somehow luckier to have known such right exists. Hence, many Filipinos do not know the concept of company liabilities.

An employee who plans to file for compensation benefits due to the declaration of disability to the SSS or GSIS needs to prove the veracity of medical condition to qualify as occupational disease and be declared compensable. Contests from concerned companies are anticipated, but concomitant complaints can be redirected to the Employee’s Compensation Commission (ECC), which is the governing body in regulating employee benefits as part of the Liability Rule under the Handbook on Employee’s Compensation and State Insurance Fund, should the complaints be dismissed. Court proceedings come next if another dismissal happens at the level of the governing body.

Diseases, whether recognized as environmental/occupational or not, do not receive approval without much scrutiny to protect the rights of employers against extortion and abuse of employees seeking compensation. Certain qualifications and due process have been identified towards the resolve of cases to keep both parties equally treated. But why does the law allow refusal of claims and dismissal of subsequent cases?

Many listed occupational diseases have relatively high number of cases even outside the environmental and occupational setting. Carpal tunnel syndrome (CTS) is an example of an occupational disease that is very popular among office workers who spend hours in front of the computer. However, it cannot be associated with work right away as there are many ways of acquiring it even inside the home. Students are also susceptible to the disease.

For a disease to be quantified as work-related, it should be proven to have first existed on or after employment period. Pre-existing condition can be dismissed right away, especially if the condition has far association with the company industry or the nature of the job has low chance of producing such health problem.

It should not also be categorized as secondary ailment resulting from a pre-existing primary ailment. Secondary ailments, or practically quantified as complications, should be proven to have been exacerbated by the occupational disease per se to have merit. Unfortunately, a complication said to have started from a pre-existing primary ailment has weaker, but not essentially impossible, substance on the claim.

A good example of a workman’s compensation filed as claim to GSIS and subsequently, as an appeal to ECC and case to the Court of Appeals (CA), is the case GSIS vs. Valenciano. Valenciano was a Clerk II and eventually, a Senior Terminal Operations Officer at the Philippine Ports Authority (PPA). He filed a claim for compensation benefits with the GSIS after being diagnosed with coronary artery disease in 1984. Two years later, Diabetes Mellitus was discovered rendering him to be insulin resistant leading to increased arterial pressure. This condition gave him the risk of developing hypertension in 1988. A decade has passed and he was diagnosed with Pulmonary Tuberculosis II.

By 2002, he was suffering from diabetes mellitus, pneumonia, hypertension, pulmonary tuberculosis and cerebro-vascular disease (CVD).

The claim was denied by GSIS while the appeal was also dismissed by ECC on the ground that Valenciano’s primary ailment was not occupational disease; “neither was there any showing that his duties have increased the risk of contracting said ailments.” The ECC concluded that his “hypertension, pneumonia and pulmonary tuberculosis were mere complications of his primary ailment of diabetes mellitus, which is not an occupational disease; hence, not compensable.” CVD, albeit possibly an occupational disease, was likewise dismissed after the claimant “failed to show compliance with all the conditions for its compensability.”

However, the Court of Appeals (CA) reversed the decision, ruling that while hypertension, pneumonia and pulmonary tuberculosis were caused by diabetes mellitus, the development of the diseases didn’t occur without environmental and occupational factors, as deemed associated with Valenciano’s employment history.

Valenciano began smoking frequently at the age of 20 which has a strong association with the contracted diseases. His primary ailment is undisputedly conterminous to the presented complications. But whatever it is that the cause of the diseases are inclined to, occupational factors undoubtedly affected the end result of his health which became CA’s basis for the subsequent standing. Nonetheless, grey areas and point for disputes are available for the case.

For similar cases, modern scientific findings are leaning towards conclusions that certain types of sicknesses may evolve into something else due to external factors other than what originally caused the primary ailments. The inclusion of these scientifically plausible factors on the epidemiology and mutation of recognized occupational disease may improve the overall regulation of benefits for employees and add credibility to the existing list of considerable and recognized occupational diseases.

The traditional way of looking at health conditions and their causes are still prevalently applied in the Philippines, which make consideration for possible work-disease link narrower; hence, it is more inefficient.
  


X. Rights to Benefits: Ignorance or Oversight?

Among the most common occupational diseases, work-related musculoskeletal diseases consistently grab the top spot since 2003. It is noticeable that the number of occupational diseases also increased by 34.29% from the 2007 data – 47,235 to 71894 cases.  Environmental factors, although not necessarily occupational factors, affect the continual rise in cases, but other external factors, such as lifestyle and genetic, are to be considered. Nonetheless, the data signifies clearly that there is heightened problem in occupational diseases in general that demands full attention from the concerned government agencies, employers and employees.

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In the most-recent survey conducted by the Bureau of Labor and Employment Statistics (BLES) under DOLE, the most common occupational injuries in non-agricultural establishments are superficial injuries and open wounds with an average incidence rate of 50.8%. It took more than half of the cases of occupational injuries recorded in the Philippines, a significantly wide gap ahead of the second most common case which is dislocations, sprains and strains, collectively, at a lower percentage of 12.7%.

As the term implies, these superficial injuries tend to be overlooked by employees due to relatively non-serious effects to the health, also tendered with minimal to no medical attention at all. Thus, there is absolutely high chance of overlooking rights against these work-related injuries.

Condoned right is a condoned action and solution by the employer and employee alike. Big or small, serious or superficial, every case of occupational injury should be handled appropriately and in accordance to existing laws protecting the labor force. It can be deduced that non-serious injuries do not elicit much attention from concerned workers, enough to command legal benefits as identified by the ECC.

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Notwithstanding the obvious decrease in number of work-related injuries since 2003, the significantly high number of cases still infers lack of impressive occupational health and safety management systems in the country.

Many employers may have been doing their homework towards improvement of recorded incidence, but do employees actively do their part in bringing these cases to the attention of the authorities?



XI. Issues to Address

The main issues to be addressed on this employee welfare matter revolve around the fulfillment of the rights bestowed upon employees with work-related injuries and diseases and their encompassing backdrop in the Philippines, including clearly delineating the liability of both the employer and employee.

  • What are the issues of work-related diseases and injuries at large in the Philippine set-up?
  • What is the stand of the government on occupational diseases?
  • Does the government give enough and efficient service on this matter?
  • To what extent are occupational diseases covered by employers’ liability?
  • Do employers act on claims in accordance to governing mandates and laws?
  • Are employees with occupational diseases given sufficient attention, benefits and consideration?
  • Do employees with occupational diseases know the appropriate actions, or at the least, their rights on their cases?

Thursday, September 6, 2012

XI. Issues to Address


Occupational Disease: Cancer of the Philippine Business Sector

The main issues to be addressed on this employee welfare matter revolve around the fulfillment of the rights bestowed upon employees with work-related injuries and diseases and their encompassing backdrop in the Philippines, including clearly delineating the liability of both the employer and employee.

X. Rights to Benefits: Ignorance or Oversight?


Occupational Disease: Cancer of the Philippine Business Sector

Among the most common occupational diseases, work-related musculoskeletal diseases consistently grab the top spot since 2003. It is noticeable that the number of occupational diseases also increased by 34.29% from the 2007 data – 47,235 to 71894 cases.  Environmental factors, although not necessarily occupational factors, affect the continual rise in cases, but other external factors, such as lifestyle and genetic, are to be considered. Nonetheless, the data signifies clearly that there is heightened problem in occupational diseases in general that demands full attention from the concerned government agencies, employers and employees.

Click to enlarge picture


IX. Disability Benefit Claims, Refusal and Dismissal


Occupational Disease: Cancer of the Philippine Business Sector

Like in any other claims, an investigation is imperative as stated in government and company policies. Oftentimes, the investigation reaches litigation through court hearing. This is the most difficult part – proving the claim and the liability of the employee and employer, respectively. Inauspiciously, it is safe to state that claimants who reach this stage are somehow luckier to have known such right exists. Hence, many Filipinos do not know the concept of company liabilities.


VIII. Occupational Safety and Health (OSH) Standardization


Occupational Disease: Cancer of the Philippine Business Sector

There is an ongoing initiative by the World Health Organization (WHO) and the International Labour Organization (ILO) – two leading agencies advocating occupational safety and health standardization and monitoring at an international scale – to assist developing nations on OSH matters through projects like “Healthy Cities” (a project that aims to “establish healthy public policy at the local level through health promotion).

Click to enlarge picture


VII. Occupational Disease vis-à-vis Economic Standing


Occupational Disease: Cancer of the Philippines Business Sector

Another fatal occupational disease worthy of attention is tuberculosis (TB), also the sixth leading cause of mortality among Filipinos. Surveys show that it frequently appears on retired factory workers, especially the ones from industries utilizing chemical in production and wood works. However, its most prominent link is to cigarette smoking, both active and passive. On this ground, proving origin from the workplace is highly contestable.

Despite the obscurity on the basis of identifying TB as common occupational disease in the Philippines, international data on the top causes of mortality collected by the World Health Organization (WHO) show it as a prevalent reason for death only among low- and medium- income countries. It does not appear in high-income countries. According to The World Bank, the Philippines is classified as a lower-middle-income country.

Click to enlarge picture


VI. Diseases: Occupational or Pre-existing?


Occupational Disease: Cancer of the Philippine Business Sector

In a report compiled by the National Statistical Coordination Board (NSCB) in 2009 and published in Philippine Industry Yearbook of Labor Statistics, work-related musculoskeletal diseases topped the list of occupational diseases in the Philippines. These are the lesser serious cases with include back and neck-shoulder pain, shoulder tendinitis and the infamous carpal tunnel syndrome, which is often developed from repetitive wrong posture of the hands while doing work in front of the computer.

Peptic ulcer and essential hypertensions follow next but may also be contested by employers as primary ailments or pre-existing conditions – illnesses that are either hereditary or possibly developed at an earlier time prior to employment.

V. Employment: Links and Probabilities

Occupational Disease: Cancer of the Philippine Business Sector


In the last couple of years, there is a significant increase in incidents of work-related illnesses in the country which prompted the Occupational Safety and Health Center (OSHC), a branch of the Department of Labor and Employment (DOLE) tasked to do continuous research and information dissemination on occupational safety and health, to recommend new entrees in the existing list of accepted occupational diseases. Occupational cancers such as lung cancer, bladder cancer, leukemia, liver cancer and three more related diseases lead the newly identified health cases to which qualified employees are protected against.



IV. Knowing Your Rights and Benefits


Occupational Disease: Cancer of the Philippine Business Sector

Stated in Chapter VI of the Labor Code are the declarations a patient can file, which are classified according to the status of the illness – temporary total disability, permanent total disability and permanent partial disability. Compensation benefits cover all disability categories under the Workmen’s Compensation Law (PD 626).

All Filipinos proven to be suffering from the backlash of working under hazardous and risky conditions are entitled to disability benefits unless disqualified under legally exempted circumstances.

III. Occupational Disease in International Perspective

Occupational Disease: Cancer of the Philippine Business Sector


The international community, especially the United States of America, doesn’t see the issue as a laughing matter. In fact, specializing research and regulating bodies have been established to cater to the cause and adhere to international standardizing guidelines in relation to occupational safety and health. These bodies commit to the improvement and more efficient management of Environment, Health and Safety within public and private organizations in a global scale.

II. Identifying the List

Occupational Disease: Cancer of the Philippine Business Sector


Among the health conditions considered as work-related sicknesses, either as direct effect or as complication arising from occupational risks, respiratory conditions are the most prone to aggravation that may develop to more serious ailments.

The following are the recognized occupational and compensable diseases as universally accepted.

I. What is Occupational Disease?

Occupational Disease: Cancer of the Philippine Business Sector


Occupational diseases in the Philippines are so common that common workers no longer know the difference between work-related diseases and hereditary or pre-existing illnesses. This awareness shortcoming results to the deprivation of rights which are all supported by Philippine law, and specifically, the labor code and Presidential Decree 626.



Thursday, August 30, 2012

Frequently Asked Questions for Black Pearl Consultancy


1. What is Black Pearl Consultancy?
Black Pearl Consultancy is a security organization and consultancy firm specializing in intelligence, protection and response.


2. What are the services we offer?
Our company offers services such as:

·         Corporate Risk Management
·         Security Risk Consultancy
·         24/7 Strategic Intelligence Monitoring
·         Information and Intelligence Monitoring and Advisories
·         Area Risk Mapping and Assessment
·         Business Continuity Management (BCM)
·         Business Intelligence
·         Travel Security Management


Wednesday, August 8, 2012

How to Win the Gold


Diamond is girl's best friend. It’s more precious and valuable than any other stone or metal on the face of the planet. But no matter how precious an iridescent diamond is, it’s not as melodramatic as gold!

Processed pure gold is magnificently shinier and more useful than its multifaceted counterpart. Gold production, from the mining down to the smelting, is a jaw-dropping feat in itself. The value of gold starts its accrual from the production. Variation in manufacturing process spells the difference in luster and quality.

Gold bar: Photo courtesy of Wikipedia

What is the Best Way of Debt Consolidation?


When secured personal loan was first introduced by banks, the market was not promising because many prospective clients lack assets to qualify as collateral. This limits revenue generation not only of banking institutions but of the government as well.

To provide a more practical option to borrowers, unsecured personal loan was introduced to those who do not have properties on their name but have the capacity to pay premiums and meet interest accrual.



Tuesday, August 7, 2012

Are Unsecured Personal Loans Bringing the Economy Down?

When unsecured personal loan was introduced to New Zealand banking, its goal was to serve a wider-bracket market and earn the industry more in the process. True to its goal, the loan revenue doubled in its first year. More residents have been availing the service ever since, taking advantage of the benefits this type of loan had to offer.

However, as New Zealand economy was hit by financial turmoil like the rest of world before the closing of the decade, losses from lent bank loans continue to rise due to the country’s overall poor credit rating and inability to repay financial obligations. In the Financial Stability Report of New Zealand released November of 2009, Deputy Governor Grant Spencer stated that further loan losses might still be observed for 2010 due to an increasing rate of unemployment in the country. This is in spite of the stabilizing monetary system until early this year.

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