group of hands of a yacht crew team Good work is as hard to find as good workers are to keep. Anyone that works in a Human Resources role can attest to the difficulty of attracting workers, keeping workers happy, and making sure employees are motivated. This can be even more true when talking about yacht crew members. Crew members are constantly moving from one ship to another for many different reasons. The following tips can help you formulate a plan to help keep your crew on your vessel. They can also help to motivate crew in general, as workers may work harder knowing that they are being ‘taken care of’ or feeling grateful for the position they are in on board.

Salary

The most obvious thing that can motivate someone to work for you, or to work harder, is money. Are your wages competitive in within the industry? Depending on what someone’s title is, they can make anywhere from $30,000 to almost $500,000. By offering competitive salaries, crew members may be more inclined to come work for you and may think twice before deciding to leave.

People They Work With

One aspect of employment that can be considered priceless is the people that work with you. While this applies to many jobs, it carries even more weight with yacht crew members. One reason is because crew are essentially family. Would you want to live and work closely with someone you didn’t like?

Itinerary

Many crew members decide what yacht they may want to work on by looking at the itinerary. One of the benefits of being part of a crew is getting paid to sail around the world, and visit places you may have otherwise never even considered going. Also, some crew members may only want to stick to certain areas they are familiar with, or places they consider safe.

Vessel Size

The size of the yacht can be a deciding factor in where someone decides to work. After all, the larger the yacht, the better it looks on the resume. Not to mention there are more positions to fill, giving you the opportunity to work with more people. Let’s not forget also, that a larger yacht can also mean a higher salary. Some crew prefer the environment of a smaller yacht, where there are often less personalities to work with and sometimes a less strenuous work environment.

Insurance Benefits

The last tip, and probably most important one, is offering a complete insurance benefit package for you crew. While money is important to sustain your life, without your health you won’t have a life to live. Sailing around to world, going from country to country, leaves those who work on board at risk if something ever happened to them. Where would they go? Who would they talk to if they didn’t speak the language? Not having to worry about paying what could be thousands of dollars for an emergency medical situation can be the ultimate benefit for a yacht crew member. Having other coverage such as benefits for lost wages, routine care, dental and vision are also key components to providing a complete package.

Having proper insurance is important whether you are at sea, or docked at a shipyard. MHG is your specialized broker when it comes to crew insurance. Our insurance specialists have the knowledge and experience to find the policy that works best for you. If you are interested in purchasing, or have any questions about yacht crew insurance or travel insurance, please contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com. For more information on preparing to work on a yacht, read our previous blog, “Yacht Crew Insurance Terms 101”.

The following tips can help you formulate a plan to help motivate your yacht crew and keep them on your vessel.

Young couple meeting with a insurance brokerMany people in the insurance industry work hard to avoid the bad reputation that insurance typically carries. However, people often jump to negative conclusions about anything involving insurance. Time and time again, we come across people who have the wrong idea of what an insurance broker is and why they are actually advantageous to the consumer. We have heard they are a waste of time, waste of money, and only care about making their commission. Being a dedicated group of insurance brokers, we can tell you that those descriptions are often false! Everyone is entitled to their own opinion, but when we hear information that is incorrect, it encourages us to step in. Do you know what an insurance broker does?

If you know the answer to, then you are already aware of all the benefits of using an insurance broker. If not, learn why you should be using one. Take the time to find a quality, reputable broker to work with you in fulfilling your insurance needs. Not only will it be time well spent in the beginning, but it will also serve you well for the entire time that you have insurance needs, whether you are working on a yacht or wherever your travels may take you.

Brokers Can Offer More of a Selection

One benefit of an insurance broker is the selection of policies and plans. Typically, brokers can help you select insurance from a variety of different companies. Different insurance companies offer different plans, so having access to plans from multiple companies can afford you the opportunity to find the coverage that fits you best.

Also, depending on the insurance brokerage they may sell different types of insurance, allowing you to have a one stop solution for all your insurance needs.

Brokers Do Much More Than Sell Insurance

While brokers may act as the middle man between you and the insurance company, they can be so much more than that. An insurance broker will conduct research for you, file and assist you with the claims process, and work to get you the best coverage option for your situation. Often times a broker has direct connections with decision makers at the insurance companies so you may not have to sit on a 1-800 line for a long time, only to learn someone doesn’t have the authority to help you. Brokers also know which carriers provide consistent service, allowing you to avoid companies that may not deliver the level of care that you deserve at time of claim.

We Work for You

As brokers, we do not work for any insurance company, we work for you! Our goals are to please you, and make sure all you questions and concerns are handled. If you think about it, with all the benefits of using an insurance broker, it is certainly better than just going out and buying a policy from an insurance agent. Will an agent fight for you and your best interests?

Having proper insurance is important in every aspect of life. Whether you are at sea needing international coverage, looking for proper life insurance coverage, going on a vacation, etc. MHG is your specialized broker. Our insurance specialists have the knowledge and experience to find the policy that works best for you. If you are interested in purchasing, or have any questions about marine crew insurance, travel insurance, U.S. life and health, expatriate insurance, or property and casualty, please contact us at

+1 954 828 1819 or +44 (0) 1624 678668
or visit us online at mhginsurance.com. For more information on debunking insurance broker myths, read our previous blog, Debunking 5 Myths About Insurance Brokers.

Everyone is entitled to their own opinion, but when we hear information that is incorrect, it encourages us to step in. Do you know what an insurance broker does?

caution sign in reference to MLC compliant insurance As insurance brokers, our number one priority is to look after you, the client. Our focus is making sure you have the coverage you need, that you are taken care of, and we are ready to fight for you regarding any claims or issues you are experiencing. Since we have your best interests in mind, it is troubling when we come across other insurance brokers and agents claiming to offer MLC compliant health insurance policies, because actually there is no such thing. It is prudent to have health insurance, but there is no rule in MLC requiring you to do so. Let me explain.

What is MLC?

MLC stands for Maritime Labour Convention, and is a code that was started in 2006 that helps protect crew members who work onboard ships and other vessels. Basically it is a book of different items that ship Owners are liable for in the operation of their vessel. It was implemented by the International Labour Organization (ILO), and should be followed by all commercial vessels or else face potential fines, detention or even vessel arrest. For more details on MLC, visit ILO.org for more information.

Don’t Believe the Hype

MLC does require ship owners to have some insurance in place (called Financial Security). Insurance like permanent disability, accidental death, and some other non-medical items like repatriation. But, it DOES NOT require ship owners to provide medical insurance! Where things tend to get confusing is that MLC requires ship owners to be liable for medical bills. While we highly recommend you to insure your crew so that you are not liable for the full amount of medical bills, MLC only requires you to cover the bills.

Work with Someone You Can Trust

It’s hard to count on someone that you can’t trust, so why would you leave your medical insurance to someone who does not provide you with accurate information? If a company is advertising MLC compliant insurance, do you think they have the knowledge, experience, and research capabilities to help you? Work with someone you can trust, after all there is a good chance you will be reaching out to this person or company in a time of need or desperation, make sure you can count on them.

What About Private Vessels?

As stated before, MLC is only applicable for commercially operated boats. However, that doesn’t mean you shouldn’t be offering insurance to your crew if you’re a private vessel owner. Any owner would like to attract the best crew possible, and having benefits that protect them could help to secure the best workers.

Having proper insurance is important whether you are at sea, or docked at a shipyard. MHG is your specialized broker when it comes to crew insurance. Our insurance specialists have the knowledge and experience to find the policy that works best for you. If you are interested in purchasing, or have any questions about yacht crew insurance or travel insurance, please contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com. For more information on preparing to work on a yacht, read our previous blog, “ Yacht Crew Insurance Terms 101”.

There is no such thing as "MLC compliant" medical insurance, and here's why.

brown paper ripped showing the text uncover the factsIt seems as if every day we hear myths regarding insurance brokers. We often find ourselves debunking false statements and explaining to clients that they received inaccurate information. Sometimes, people or products get a bad reputation that is unwarranted, for whatever reason. So here are five common myths that may have given the term insurance brokers a bad name.

1. “Insurance brokers are more expensive”

Have you ever heard the saying, “brokers make you broker”? That saying could not be further from the truth. In contrast, working with a broker can actually save clients both time and money, in addition to frustration. Insurance brokers receive their compensation from insurers, but that does not (or should not) cloud the judgment of a good broker to recommend whatever policy is most appropriate to the situation as presented by you, the client.

2. “Insurance brokers work for the insurance company”

There are a lot of people who think that insurance brokers work for the insurance company, however again that is not correct. A broker advocates and works on your behalf. Basically, they work for you! Yes, they work with the insurance company in order to deliver proper coverage to people, however their concern should always be their clients.

3. “Insurance brokers are just a middle man”

While brokers may act as the middle man between you and the insurance company, they are so much more than just a middle man. In many cases, an insurance broker will conduct research for you, file and assist you with claims through the entire process, and work to get you the best coverage option for your situation. Often times a broker has direct connections with decision makers at insurance companies so you don’t have to sit on a 1-800 line for 20 minutes to talk to someone that doesn’t have the authority to help you.

4. “Insurance brokers can’t offer the best plans”

Insurance brokers can offer the same plans that an insurance company does, for the same premium as going straight to the insurance company. In fact, going through an insurance broker should give you more value for your dollar simply because of all the added benefits that an insurance broker will perform for you.

5. “Insurance brokers aren’t as knowledgeable”

Insurance brokers are very knowledgeable. They spend all day, every day dealing with insurance. They know the industry, they live and breathe insurance, and they understand all the confusing terminology and phrases, which hopefully they can explain to you in a straightforward, no nonsense way. They also know the insurers, and the people who work there, which is a significant advantage over you calling a toll-free number and hoping for the best.

Having proper insurance is important whether you are at sea, or docked at a shipyard. MHG is your specialized broker when it comes to crew insurance. Our insurance specialists have the knowledge and experience to find the policy that works best for you. If you are interested in purchasing, or have any questions about yacht crew insurance or travel insurance, please contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com. For more information on preparing to work on a yacht, read our previous blog, Yacht Crew Insurance Terms 101.

Sometimes, people or products get a bad reputation that is unwarranted, for whatever reason. Insurance brokers are one of them, read more.

Wheelchair in a doctors office Having employer based benefits is important. Not all companies have them in today’s world, so if you are someone who’s fortunate enough to receive benefits offered by your employer, count your blessings. However, even if you receive benefits, you may not have sufficient coverage. There are several different scenarios where you can find yourself needing additional coverage.

While employer based benefits are important, it may not be the best idea to fully rely on your employer to provide all of the benefits and coverage you need. What if you were to lose your job? Or maybe your company is having to make some budget cuts, and happen to cut the amount of benefits you receive. One of those benefits is disability insurance. For those that don’t know, disability insurance is a great way for your employer to give you and your family the coverage you need in the event you develop an illness or sustain an injury and are unable to work.

Coverage Options

Different coverage options for disability insurance can range from the length of coverage, to the amount of coverage you may need. A short term plan will usually provide coverage for up to two years, while a long term plan should provide coverage from anywhere after two years until retirement age, depending on the plan.

Can’t Work Due to Injury

There are several reasons you should consider disability insurance coverage. One of the main scenarios that would call for an individual disability plan is in the event your employer doesn’t offer a plan. What if you were doing some gardening one weekend and hurt your back? If the injury keeps you from being able to do your job, your company may not be willing to pay your salary while you recover, leaving you without a wage. Having an individual disability plan would provide you with a way to receive a wage in order to pay your bills and support your family.

Employer Stops Benefits

It’s no secret that the past several years have been tough on businesses. The recession forced companies to make some tough decisions. Many people lost their jobs, and many that were fortunate to keep their jobs may have lost some of their benefits due to budget cuts. In the event that your company decides to reduce your benefits, you may be left needing coverage!

Not Enough Coverage

It’s important to know whether your employer offers a short-term or long-term disability insurance plan. If your company offers short-term disability insurance, you may want to think about purchasing a long-term disability insurance plan in case you are unable to work for two or more years. If your company offers long-term disability insurance, you may want to think about purchasing a short-term disability insurance plan to give yourself coverage until the long term coverage kicks in.

It’s also important to note that disability insurance often doesn’t fully match your existing wage. Typically, employer based disability insurance will provide you with 66% of your normal wage, while supplemental disability should cover the remaining percentage. So in order to fully cover your wage amount, you may want to obtain both.

Are you interested in purchasing disability insurance? Would you like some more information regarding options that are available to you? Would you like to ask some questions to an insurance expert? If the answer to any of these questions is yes, please contact us 954-828-1819 or visit us online at mhginsurance.com and talk to one of our insurance specialists for help in selecting disability insurance and other coverage to ensure that you and your loved ones have the protection you need at every stage of life.

What if you were doing some gardening one weekend and hurt your back, keeping you from being able to work?

Close up of senior man shaking hands with insurance broker Have you ever heard the saying, “brokers make you broker”?

Brokers and insurance companies tend to have a bad reputation. Some people immediately have negative thoughts whether they are warranted or not. In fact, when we ask someone if they know what an insurance broker is or what they do, we receive all kinds of answers, most of them being negative. It’s time to improve on the perception of an insurance broker.

Take the time to find a quality, reputable broker to work with you in fulfilling your insurance needs. Not only will it be time well spent in the beginning when finding a plan, but it will also serve you well for the entire time that you have private health insurance needs, on a yacht or wherever your travels may take you.

Common Misconceptions

Insurance brokers aren’t evil, in fact they are quite helpful. It is a common misconception that brokers work for insurance companies, however that couldn’t be further from the truth. As insurance brokers, we work for you, the people!

It is also incorrect that working through an insurance broker costs the client more money. In contrast, working with a broker can actually save clients both time and money, in addition to frustration. Insurance brokers receive their compensation from insurers, but that does not (or should not) cloud the judgement of a good broker to recommend whatever policy is most appropriate to the situation as presented by you, the client.

Who Can Benefit?

Everyone who works on board a private or charter yacht that is travelling internationally should have private health insurance. Whether health insurance is provided by the vessel owner, or is purchased by each crew member individually, each person needs protection from a potential financial disaster caused by an unexpected illness or accident. The challenge is that it can be quite a task to sort through all of the options allowing you to determine what plan is best suited for your needs, or the needs of your group. This is where an insurance broker can be an invaluable source of information, and most importantly a helping hand.

So What Does a Broker Actually Do That You Cannot Do Yourselves?

First, they spend all day, every day dealing with insurance. They know the insurance industry, they live and breathe insurance, and they understand all the confusing terminology and phrases, which hopefully they can explain to you in a straightforward, no nonsense way. They also know the insurers, and the people who work there, which is a significant advantage over you calling a toll-free number and hoping for the best.

Second, insurance brokers evaluate and research the marketplace on a regular basis. A reputable broker knows the dynamics of the health insurance industry, what the headlines are, what is no longer relevant and which carriers provide consistent service. Nothing is more frustrating than finding an insurance plan that fits your needs, only to realize at time of claim that the company does not deliver.

Finally, a broker advocates and works on your behalf. If and when a situation arises where a shore-side helping hand is needed you can turn to your broker for assistance leaving you to continue to concentrate on your employment at sea.

How Do You know if a Broker is Reputable?

Word of mouth is the best form of marketing for a business, as well as the best form of research for a customer. There is no better way to find something than by asking someone you trust who has experience with your issues or concerns. This is also the case when finding a good insurance broker. Generally though, you want to look for a broker with experience and longevity in the health insurance business and one who certainly should be able to provide references. It is also important that the broker is specialized and experienced in the yacht crew area as it is quite different from the typical expat insurance market.

Having proper insurance is important whether you are at sea, or docked at a shipyard. MHG is your specialized broker when it comes to crew insurance. Our insurance specialists have the knowledge and experience to find the policy that works best for you. If you are interested in purchasing, or have any questions about yacht crew insurance or travel insurance, please contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com. For more information on preparing to work on a yacht, read our previous blog, “ Yacht Crew Insurance Terms 101”.

Have you ever heard the saying, “brokers make you broker”? That couldn't be further from the truth. Read more!

Man reviewing insurance claim paperwork Have you ever found yourself in a situation where your health insurance isn’t covering what you expected it would? Sometimes mistakes are made, and just because your insurance carrier isn’t paying for something, doesn’t always mean that you will be left to foot the bill. There are steps that you can use to take action and to ensure that you receive the coverage you purchased. By filing an appeal or disputing a health insurance claim, you can hopefully change the outcome. Filing an appeal can sometimes feel like a daunting task and can seem like a hassle, but by following these tips, we hope to ease the process for you, so you know what to expect.

1. Read Your Policy

The most important thing that you can do when you are filing an appeal to a health insurance claim is read your policy. You should read your policy when you purchase it, then re-read from time to time so you are refreshed on the breakdown of your coverage. It’s also a good idea to review your policy before having any procedure. Doing so could help avoid a situation where you need to file an appeal. It’s also important to assemble all important paperwork, and keep an organized record of the details of your case (Who, what, when, where, why, how).

2. Try to Have a Main Contact at the Carrier

Having one contact can make the process easier for you. By doing this, you will not have to keep explaining your case to every person on the phone. Also, you may be able to build some rapport with your contact, which may inspire them to go above and beyond to help you.

3. Be Patient Approach in the Right Manner

Patience will be required whenever filing an appeal as the process can take some time. The insurance company will conduct extensive research to determine if your appeal is worthy. Going into the situation knowing that the process can take some time may help you with expectations. It’s also important to approach the situation in the right manner. In many situations in life, handling something in a positive, respectful manner can get you a lot further than having a negative attitude or having a chip on your shoulder.

4. Contact Doctors and Hospitals

Be prepared to contact doctors and hospitals, and do a little bit of investigating on your part. You may come to find that there was an issue with the provider and it was just a simple error.

5. Act fast

When filing an appeal, there may be a limited time that you have in order to file. Similar to a return policy when you buy at a retail store, you may only have a certain number of days to make an appeal.

Beware

If your claim appeal is with a network provider, by contract the insurer usually can only pay the network provider, not you. So if you pay the bill and are awaiting reimbursement, it can be complicated. Also, if you decide to not pay any bills and wait for the appeal process to finish, your credit may take a hit. Talk to your doctor or office that you are working with and let them know the situation. Try to keep them from sending your outstanding bills to collections.

If you have any more questions about what steps you should take when filing an appeal, please feel free to ask us or comment below! Having proper insurance is important whether you are at sea, or docked at a shipyard. MHG is your specialized broker when it comes to crew insurance. Our insurance specialists have the knowledge and experience to find the policy that works best for you. If you are interested in purchasing, or have any questions about yacht crew insurance or travel insurance, please contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com. For more information on common yacht crew insurance terms, read our previous blog, “ Yacht Crew Insurance Terms 101.”

Filing an appeal can sometimes feel like a daunting task and can seem like a hassle, but by following these tips, we hope to ease the process for yacht crew so they know what to expect.

Packing for Your Next Contract

It's no secret that those who work on cruise ships can be away for long periods of time. Contracts can last anywhere from a few months to almost a year. Being on a ship for that amount of time can be difficult to pack for. How are you to know what items you will need a month from now?  Here are some tips you should use to make packing for your next contract simpler and more efficient, after getting proper insurance of course!


  contract 


  MHG cruise employees Infographic

Packing for Your Next Contract

london The Isle of Man Maritime Group is hosting an evening reception during London International Shipping Week 2015 at historic Trinity House. LISW is one of the highlights of the maritime calendar with more than 100 industry events taking place in London from September 7-11. It is aimed at the movers and shakers from the international shipping and superyacht community. 


As official sponsors of LISW 2015, the Isle of Man Maritime Group’s “Nautical by Nature” event on September 8 will lead guests on a journey through the Island’s rich seafaring heritage to its current position of maritime centre of excellence.  Manx actors and musicians will bring to life the legacy of the Vikings; introduce the ringleaders of the Mutiny on the Bounty; remember the courage of Captain John Quilliam who was First Lieutenant on HMS Victory and set the scene for the inspiration of Sir William Hilary, who founded the RNLI

The music and drama will be showcased in the historic surroundings of Trinity House, the remarkable 18th Century headquarters of the Corporation of Trinity House, which has maintained British lighthouses since the 16th Century. Guests will be met by Isle of Man’s own sea cadets and guided up the grand, sweeping staircase to a reception on the first floor. All the rooms will be open to guests including the Pepys Room, the library and the reading room. 

Isle of Man Maritime Group Chairman, Bruce McGregor said: “LISW is the ideal opportunity for us to promote the wealth of maritime services and experience delivered on the Isle of Man. This event will celebrate our rich seafaring tradition and how we have evolved into a modern, technically astute global centre of excellence.” 

Guests at the reception will be able to meet representatives from the Isle of Man Maritime Group including the IOM Ship Registry; IOM Shipping Association; IOM Superyacht Forum KPMG; Bernhard Schulte Shipmanagement (Isle of Man); Döhle (IOM) Group of Companies; PDMS Maritime; Simcocks Advocates; MHG Insurance Brokers; Affinity Management Services and InterManager. To register for the event please visit the group’s website at www.iom-maritime.com or contact the group at enquiries@iom-maritime.com If you would like speak to someone from the group in more detail please contact Bruce McGregor on +44 (0) 1624 664000.

LISW 

LISW will be the ‘must attend’ event of 2015, offering over 100 industry functions and unique networking opportunities for leaders across all sectors of the international shipping industry – regulators, charterers, ship owners, ship managers, bunker suppliers, lawyers, ship brokers, bankers, insurers, insurance brokers, commodity traders and brokers, ship suppliers, port operators, shipping service providers and many more. The UK is the leading centre worldwide for the supply of a broad range of professional and business services to the international maritime community, accounting for 21per cent of premiums in international marine insurance, over $64bn in committed ship finance (or 15per cent of the world loan book) and it has the largest concentration of legal service firms specialising in the sector.  London is also the predominant supplier of shipbroking services worldwide and is the major player when it comes to maritime dispute resolution. London is also home to the second biggest port in the UK. For more information, please visit www.londoninternationalshippingweek.com

The Isle of Man is "Nautical by Nature"

Doctor holding a clipboard asking a patient questionsHave you ever heard the saying, “You can learn the easy way, or the hard way!” Many say the best way to learn is through experiencing something that will have an impact on you, whether you personally experienced it, or someone close to you did. The important part is that whatever the impact was, it will motivate you to make the right decision. It could have been something bad that made you never want to go through that again, or something good that made you want to have the same result. The following is a case study of two different scenarios of clients who are experiencing the same issue. Both scenarios are handled in different ways, resulting in different outcomes.  


Scenario A

A client who takes a proactive approach to their health went in for their regularly scheduled ENG. During the screening portion of the physical, the doctor discovered a potentially harmful bacteria. Due to this client’s proactive nature of maintaining their health, the bacteria was caught before it had done any damage and they were able to have successful treatment with antibiotics.

Scenario B

A client who doesn’t like to go to the doctor decided to skip their regularly scheduled ENG because the yacht they were on did not have it as a requirement. Several weeks later, they began experiencing stomach pains, nausea, and vomiting. They didn’t think much of the symptoms they were experiencing, attributing it to a stomach bug. A couple weeks went by and the symptoms continued to get worse. At this point, the client decided it was time to go to the hospital, where doctors discovered a developing stomach ulcer, caused by Helicobacter pylori.

The Diagnosis 

Both clients had the same issue, an infection of Helicobacter pylori. Helicobacter pylori is a bacteria that can cause stomach ulcers as well as stomach cancer. Much like Herpes, it is present in many people, 85% of people to be exact, and can go an entire lifetime without causing any issues. Our client from Scenario A was able to notice the infection early enough and have it treated before any symptoms presented themselves. Our client form Scenario B had a different fate that may have been avoided if they had their regular physical exam.

The Cure 

Going to the doctor can be a hassle, especially for a yacht crew member who may rarely be onshore to do so. However, getting your check-up is important to decide your overall health, as well as to detect any issues early enough so that something can be done proactively. Get a routine physical each year, even if your yacht doesn’t require you to do so. Otherwise it may be too late by the time you find out you are having an issue, even if you don’t have any symptoms. Having good medical insurance is crucial too because if any issues do arise, you may need costly medical treatment.

MHG is your specialized broker when it comes to crew insurance. Our insurance specialists have the knowledge and experience to find the policy that works best for you. If you are interested in purchasing, or have any questions about yacht crew insurance or travel insurance, please contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com.

Yacht Crew Case Study: Regular Screenings and Physicals Can Be Life Saving