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North Shore Insurance Associates - Business Insurance and Group Health Benefits
Address:
1866 Sheridan Rd Ste 215
Highland Park, IL
60035
USA
Phone:
3129091405
Business Email:
Website:
Keywords:
group health insurance, business liability insurance near me, life insurance broker, business life insurance, life insurance annuity, best umbrella insurance, business insurance Illinois, small business insurance Illinois, life insurance agents, occupational accident insurance, liability insurance Chicago, workers compensation in Chicago, group disability insurance, workers compensation Illinois, large group health insurance, group health insurance brokers, occupational health insurance, best commercial auto insurance companies, affordable group health insurance in Illinois
Business Description:
North Shore Insurance Associates specializes in affordable group health insurance for businesses of all sizes. Serving Pennsylvania, Indiana, Wisconsin, Arkansas, Vermont, and Illinois, we provide tailored solutions to meet the diverse needs of companies, including group health insurance, business liability insurance, and workers compensation. As trusted life insurance brokers, we also offer business life insurance, life insurance annuities, and income annuities to ensure comprehensive coverage. Whether you're looking for small business insurance in Illinois or need occupational health insurance and best umbrella insurance, our experienced team is here to guide you. We’re committed to being the top choice for large group health insurance and workers compensation in Chicago and beyond.
Hours:
Monday-Friday: 9 AM–5 PM
Saturday-Sunday: Closed
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Workers Compensation Southern Illinois
Workers Compensation Southern Illinois: If you are looking for a high-quality and compassionate legal team to assist with your workers’ compensation, personal injury, or social security disability case, please consider Jerome, Salmi & Kopis in Fairview Heights, IL. Each of our attorneys has over 25 years of litigation experience, and we have limited our legal focus to specific practice areas. Our attorneys are battle tested in courtrooms throughout Illinois and Missouri and understand how to carefully maneuver the law and navigate challenging problems for our clients.
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How Long Does A Workers Comp Case Take | Will It Drag On For A Long Time? [312-500-4500]
Are you wondering how long a workers comp case can take? Chicago injury lawyer Scott DeSalvo shares valuable insights on the topic. Discover the factors that can impact the duration of your case, such as the need for proper diagnosis and maximum medical improvement. Learn why settling too early can be risky and how delays in the legal system can affect your timeline. A must-watch for anyone dealing with a work injury! Subscribe Now 🙏 / @desalvolaw
If you got hurt at work, you DO NOT want to be sitting at home with no money coming in and the doctor calling you and asking you who is gonna pay the doctor's bill. That's not a situation you want to be in, but if you are, it is natural to want to know a timetable for a Workers Comp case. In other words, how long is this going to take? We've all heard of cases that seem to take forever. There's really JUST ONE PRIMARY REASON why a case might take a long time.
A workers' comp case cannot be settled until the injured party has completed treatment or reached Maximum Medical Improvement (MMI), which determines the final extent of the injury. Serious, permanent injuries are valued higher in compensation compared to temporary ones, and settling before knowing the full impact can lead to insufficient funds for future medical needs.
Once MMI is reached, the lawyer can move quickly to either settle the case within 60 days or push for a trial if the insurance company is uncooperative.
#work injury#workers comp#workers comp lawyer#workers comp attorney#how long does workers comp take#how long does workers comp last#attorney desalvo#scott desalvo#illinois workers comp#chicago car crash lawyer#work#how long does a workers comp case take#workers compensation#attorney#workers comp laws#workers compensation claim#workers comp help#settlement#personal injury#workers comp insurance#workers compensation lawyer#work injury attorney#desalvo law#Youtube
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Workers Compensation Insurance For Trucking in Illinois
Workers Compensation Insurance For Trucking in Illinois is an essential aspect of the trucking industry in Illinois, providing critical coverage for medical expenses and lost wages for employees who sustain injuries while performing their job duties. This insurance is vital for the protection of both employees and employers.
In Illinois, workers compensation insurance is mandatory for all employers, including trucking companies, regardless of the number of employees. The Illinois Workers’ Compensation Commission (IWCC) enforces these requirements, ensuring that businesses comply with state laws to protect their workforce.
Key considerations for trucking companies in Illinois regarding workers compensation insurance include:
1. Safety Programs: Implementing comprehensive safety programs is crucial to minimize the risk of workplace injuries. This includes regular driver training, adherence to safety protocols, and routine vehicle maintenance. Prioritizing safety helps prevent accidents and can lead to lower insurance premiums.
2. Efficient Claims Management: Promptly reporting and managing claims ensures that injured employees receive timely medical care and compensation. Effective claims management supports quicker recovery and return to work, maintaining operational efficiency and reducing downtime.
3. Cost Control: Controlling insurance costs involves working closely with insurance providers to develop policies that are comprehensive yet cost-effective. The company’s safety record and proactive risk management strategies can significantly influence premium rates.
4. Compliance: Keeping up-to-date with changes in state laws and regulations related to workers compensation is essential to ensure ongoing compliance and avoid potential penalties.
5. Employee Education: Informing employees about their rights and the procedures for reporting injuries can improve the claims process and ensure that workers receive the benefits they are entitled to promptly.
In summary, workers compensation insurance is not only a legal requirement for trucking companies in Illinois but also a strategic measure to protect employees and the business. By ensuring compliance with state regulations, implementing robust safety measures, managing claims efficiently, and educating employees, trucking companies can create a safer work environment and mitigate financial risks. Investing in workers compensation insurance ultimately supports the well-being of employees and the stability and success of the company.
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The biggest tech companies in the world imagine a near future where AI will replace a lot of human labor, unleashing new efficiency and productivity. But this vision ignores the fact that much of what we think of as “AI” is actually powered by tedious, low-paid human labor. “I think one of the mythologies around AI computing is that they actually work as intended. I think right now, what human labor is compensating for is essentially a lot of gaps in the way that the systems work,” Laura Forlano, Associate Professor of Design at the Institute of Design at Illinois Institute of Technology, told Motherboard. “On the one hand, the industry can claim that these things are happening, you know, magically behind the scenes, or that much of what's going on is the computing. However, we know that in so many different examples, whether we look at online content, how to operate an autonomous vehicle, or if we look at medical devices, human labor is being used to address the gaps in where that system really isn't able to work.” [...] Tech companies hire tens of thousands of gig workers to maintain the illusion that their machine-learning algorithms are fully self-functional, and that each new AI tool is capable of solving a number of issues out of the box. In reality, AI development has a lot more in common with material production cycles than we realize. “I think that the public doesn't have a good awareness of the fact that this is a supply chain. It’s a global supply chain, it contains uneven geographic flows and relations. And that it is based on a huge amount of human labor,” Kelle Howson, a postdoctoral researcher on the Fairwork project at the Oxford Internet Institute, told Motherboard. Howson can’t say for sure whether tech companies are intentionally obscuring human AI laborers, but that doing so certainly works in their interests. “I think that in some ways it supports their business models to do so because there's this perception that the work is done,” said Howson. “You as a client access a platform interface, post your project, and the work is delivered immediately. It's almost like magic. There was maybe never any human involved or [that’s what] it feels like, and so there's a sense of efficiency. And that really goes along with the kind of narrative that Silicon Valley likes to tell. The disruption, the tech solutionism, the move fast and break things kind of ideas.”
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A slew of recent layoffs at John Deere factories in Iowa and Illinois would appear to provide a perfect opportunity for President Joe Biden to speak out against the kind of corporate greed that is devastating the U.S. working class and supercharging inequality.
But Biden has thus far been quiet about the mass layoffs, which have impacted roughly 1,000 workers and sparked fear among unaffected employees that they might be next.
Deere & Company is the latest U.S. corporation to announce significant layoffs after raking in huge profits and spending billions on stock buybacks—which researchers have linked to job cuts—as well as dividend payouts to wealthy shareholders and lavish CEO compensation.
"Here we go again," Les Leopold, executive director of the Labor Institute, told Common Dreams. "Stock buybacks and mass layoffs, mass layoffs and stock buybacks. Tens of thousands of workers are losing their jobs in thousands of companies only because CEOs and their major stockholders want to make a quick killing by artificially jacking up the price of their stock. We must always call stock buybacks for what they really are: blatant stock manipulation."
"Today, 70% of all corporate profits are used for stock buybacks, up from 2% in 1982," Leopold added. "They should be outlawed."
As The Guardian's Michael Sainato reported last week, John Deere posted "a profit of over $10 billion in fiscal year 2023 and its CEO John May received $26.7 million in total compensation."
"John Deere spent over $7.2 billion on stock buybacks in 2023 and provided shareholders with more than $1.4 billion in dividends," Sainato noted.
In a��letter to employees late last month, John Deere executives deployed sterile corporate-speak to explain their rationale for the job cuts, writing that rolling mass layoffs are aimed at "aligning our workforce to our strategic priorities" and "eliminating low- and non-value-added tasks, activities, and expenses."
One longtime John Deere worker in East Moline, Illinois anonymously told The Guardian that "we get wind of more layoffs daily, it seems, and it's causing uncertainty all over."
"The only reason for Deere to do this," the worker added, "is greed."
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The Bluegrass Hospitality Group responded to a class-action lawsuit alleging tip and wage theft by claiming the employee who filed the complaint was never employed by the restaurant chain.
In April, an employee filed a class-action lawsuit against Drake’s, which is owned by Bluegrass Hospitality Group, headquartered in Lexington. The lawsuit alleges widespread violations involving the failure to uphold federal minimum wage standards across all 23 of its restaurant and bar locations.
The lawsuit was filed by Lauren Boyer, who claims she was a worker at the Cookeville, Tenn., restaurant on behalf of herself and other bartenders and servers. She claims in the suit BHG did not provide servers and bartenders with the legally required notice regarding the use of a tip credit toward their wages.
A month after the initial filing, in May, the restaurant responded to the claims and denied most of the complaint’s allegations — including the employment of the woman who filed suit.
BHG owns and operates Drake’s locations in Kentucky, Tennessee, Missouri, Indiana, Alabama, North Carolina and Illinois.
“Plaintiffs claims are barred, in whole or in part, because (BHG) did not employ plaintiffs,” attorneys for BHG wrote. Throughout their response to the complaint, attorneys for BHG repeatedly stated Boyer was not an employee of the restaurant.
Defense attorney LaToi D. Mayo requested the court render judgment in favor of Drake’s and dismiss the complaint in its entirety with prejudice.
Attorneys for either party were not immediately available for comment on Monday morning. It is unclear if Boyer was an employee of Drake’s.
What the complaint against Drake’s alleges
The complaint alleges that Drake’s compensated its employees below the federal minimum wage while requiring them to perform non-tipped duties for more than 20% of their work week.
Some of these duties include sweeping, mopping, rolling silverware and other side work where employees are not being tipped.
Federal law prohibits employers from taking a tip credit when an employee performs tip-supporting work and non-tip-generating duties for more than 20% of their work week.
According to the suit, Drake’s bartenders and servers are required to work for nearly an hour to set up and close the restaurants, clean and prepare tables and organize their sections.
Boyer represents herself and two collectives which allege federal minimum wage violations. The Nationwide Substantial Side Work Collective and Nationwide 80/20 Collective are other plaintiffs listed in the suit. The lawsuit seeks compensation for unpaid wages and damages.
Other wage and tip theft lawsuits against Lexington restaurants
Drake’s is the third Lexington restaurant to face lawsuits over payment practices involving tipped employees.
A lawsuit was announced against Jeff Ruby’s in February for alleged wage and tip theft.
The lawsuit said the defendants took a portion of the tips earned by servers and bartenders and shared the money with back-of-house employees “who did not earn the tips and who did not interact with customers.”
Tony’s Steak and Seafood restaurant agreed to pay $1.5 million as part of a settlement involving employees in Indiana, Kentucky and Ohio locations.
The employees alleged the restaurant violated the Fair Labor Standards Act by forcing them and other tipped employees to participate in a tip pool that gave portions of tips to salaried members of management, according to federal court documents and settlement information.
The Tony’s settlement resolved claims for 79 servers in Kentucky, 42 servers in Ohio and 52 servers in Indiana, according to David Garrison, lead attorney in the two cases. In total, the award for plaintiffs in Kentucky was $546,237.65 — more than Indiana and Ohio’s settlement amounts combined.
The average recovery for a class member who participates in the server settlement is $5,250. The largest settlement recovery is more than $35,000, according to court documents.
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Why Workers' Compensation is Essential for Staffing Agencies in Illinois
In Illinois, staffing agencies face unique risks due to the variety of industries and positions they cover. Workers’ compensation insurance helps safeguard both agencies and workers by covering medical expenses and lost wages in case of on-the-job injuries. Not only does this meet Illinois’ legal requirements, but it also enhances trust with clients and employees, showing a commitment to safety and well-being.
👉 Want to learn more about Illinois workers' compensation for staffing agencies? Check out our latest post!
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Workers Compensation Southern Illinois
Workers Compensation Southern Illinois: If you are looking for a high-quality and compassionate legal team to assist with your workers’ compensation, personal injury, or social security disability case, please consider Jerome, Salmi & Kopis in Fairview Heights, IL. Each of our attorneys has over 25 years of litigation experience, and we have limited our legal focus to specific practice areas. Our attorneys are battle tested in courtrooms throughout Illinois and Missouri and understand how to carefully maneuver the law and navigate challenging problems for our clients.
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Antioch Medical Malpractice Lawyers: Justice for Victims of Medical Negligence
Need trusted Antioch medical malpractice lawyers? The Law Offices of Robert T. Edens help Cook, Lake, and McHenry County medical negligence victims.
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Glimpses of hope and a flutter of optimism are rising for the hard-working, yet severely undervalued, cleaners of the United States. Earlier this year, California’s governor signed Senate Bill 399, which establishes minimum wage requirements for certain building-service contractors. It will require these companies to pay custodians, janitors, and other service workers a minimum wage of $15 per hour beginning in 2022 and sets benefits for workers beginning in 2023.
This monumental move, while long overdue for cleaners, has left other states scrambling to pass similar legislation. In fact, earlier this month, Illinois passed a similar bill requiring cleaners to receive wages of at least $15 per hour by 2025.
The passage of these bills is important for several reasons. Cleaners deserve to be fairly compensated for their vital, yet often overlooked, work. Those in this line of work typically do not have the same opportunities or resources as other workers, making them especially vulnerable in times of economic uncertainty.
In addition to the undeniable benefits for cleaners, these bills can also have a ripple effect throughout local economies. A 2020 report from Yale Law School found that cleaning workers covered by a “just-cause for dismissal” and “regularized scheduling practices” saw an increase in job stability, job quality, job access, and income. When workers are more financially stable, they can contribute more to their local economies and their individual families.
Finally, raising the wages of cleaners is a significant step toward creating a more equitable American workplace, where all workers, regardless of their occupation, are valued, respected, and properly compensated.
The fight for America’s cleaners, however, is still very much ongoing. Other states are taking cues from California and Illinois, but progress remains slow. Nonetheless, every sign of progress is a welcome reminder of the possibility of a brighter future for these hardworking men and women.
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Attorney fees are expensive, but when you consider the cost and expense of becoming a lawyer and running an office, and the fact that the lawyer is not going to get paid if they lose the case, it is understandable. But when is it TOO MUCH? Listen to what happened with a recent client to learn more.
Attorney's fees in workers' compensation cases are capped under Illinois Law at 20% of the recovered amount; percentages may vary by state. In third-party cases like car crashes or medical malpractice, fees are outlined in a written retainer agreement, typically around one-third or 33.3% due to the increased complexity and workload. In cases where there's a former attorney involved, fees are usually split between the former and current attorney, not doubling the total fee.
While some flexibility exists in fees, such as occasionally reducing fees on small cases or considering adjustments on significant settlements, the fee structure generally remains consistent. The attorney emphasizes the importance of understanding the fee structure and encourages potential clients to explore free consultation options or utilize online tools like the "good case calculator" and "case cash calculator" for preliminary guidance on their case's viability and potential worth.
#DeSalvoLaw#lawyerfees#legalexpenditure#fairlegalfees#injurycase#legaldelays#personalinjuryattorney#chicagoinjurylawyer#personalinjury#insurancepolicy#compensation#insuranceclaim#injurycasevalue#injurycases#injury#case#attorney#injurylawyers#injurylaw#injurylawfirm#personalinjurylawyer#personalinjurylaw#lawfirm#chicagolawyer#chicagolawfirm#caraccidentlawyers#accidentclaims#accidentlawyer#Youtube
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Employment Contracts
Why Employment Contracts Are Essential for Freelance and Contract Workers
In today's dynamic workforce, freelance and contract workers have become a significant part of many businesses. These professionals offer flexibility and specialized skills without the long-term commitment associated with traditional employment. However, even in these non-permanent arrangements, having a clear employment contract is crucial. Here’s why contracts are essential for freelancers and contract workers, ensuring smooth and professional collaborations.
Defining Scope and Expectations
An employment contract is vital for defining the scope of work and setting clear expectations. For freelance and contract workers, these documents outline the specific tasks, deliverables, and deadlines. This clarity helps prevent misunderstandings and ensures that both parties are aligned on the project requirements. It also establishes the terms for any revisions or additional work, providing a framework for what is included in the initial agreement. Protect employee rights with an Illinois employment agreement.
Clarifying Compensation and Payment Terms
Freelancers and contract workers often rely on clear payment terms to manage their finances effectively. An employment contract specifies the agreed-upon rate, whether it is hourly, per project, or another structure. It also details the payment schedule, method of payment, and any conditions that need to be met before payment is issued. This transparency helps to avoid disputes over compensation and ensures timely payment for services rendered.
Protecting Intellectual Property and Confidentiality
Many freelance and contract roles involve handling sensitive information or creating original work. Employment contracts are essential for protecting intellectual property rights and ensuring confidentiality. These agreements specify ownership of any work produced and outline the terms for using company information. This protection is critical for both parties, safeguarding business interests and respecting the creative rights of freelancers.
Providing Legal Protection
Employment contracts offer legal protection by outlining the rights and obligations of both parties. In the event of a disagreement or breach of contract, these documents serve as a reference point for resolving disputes. They provide a legal basis for seeking remedies, whether through negotiation, mediation, or legal action, ensuring that both the business and the freelancer have recourse if issues arise.
Conclusion
Employment contracts are indispensable for freelance and contract workers, providing clarity, protecting rights, and ensuring fair compensation. By formalizing these working relationships, both parties can engage in professional collaborations with confidence and mutual understanding. A well-drafted contract not only sets the foundation for a successful partnership but also helps mitigate risks, promoting a productive and harmonious working relationship.
Check out a similar blog about component of any employment agreement on this page.
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Can I Get Workers Comp If I Am Not An Employee? | Independent Contractor? [Call 312-500-4500]
In this video, I show you how I DEFEAT these attempts to cheat injured workers out of the money they deserve…and what YOU have to know so you can make sure you are covered by Workers Comp even if your Job tells you they AREN’T (they don’t get to decide — ITS THE LAW). So give it a watch and tell me what you think! Subscribe Now 🙏 / @desalvolaw To receive workers' compensation in Illinois, you must be an employee injured in the course of employment. If you are labeled as an independent contractor but work under the control and direction of an employer, you may still qualify as an employee for workers' compensation purposes. Employers might misclassify workers as independent contractors to save costs, but this is against the law. Factors like control over work, set hours, use of company equipment, and supervision are considered by courts to determine employment status. Being misclassified doesn't prevent you from claiming workers' compensation; courts often rule such individuals as employees eligible for benefits. While the short answer is technically no, there is a common scenario where individuals who are designated as independent contractors may still be entitled to worker's comp benefits. Scott explains that under Illinois law, it doesn't matter what you think you are or what your employer calls you.
#DeSalvoLaw#WorkersCompensation#IndependentContractor#WorkplaceInjury#injuredatwork#chicagolawyer#personalinjuryattorney#chicagoinjurylawyer#personalinjury#insurancepolicy#compensation#insuranceclaim#injurycasevalue#injurycases#injury#case#attorney#injurylawyers#injurylaw#injurylawfirm#personalinjurylawyer#personalinjurylaw#lawfirm#chicagolawfirm#caraccidentlawyers#accidentclaims#accidentlawyer#Youtube
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The Ultimate Guide to Medical Billing in Illinois: Everything You Need to Know
**Title: The Ultimate Guide to Medical Billing in Illinois: Everything You Need to Know**
**Introduction: Medical billing is a critical aspect of the healthcare industry, ensuring that healthcare providers receive proper compensation for the services they provide. In the state of Illinois, medical billing practices are governed by specific regulations and requirements that providers must adhere to. This ultimate guide will cover everything you need to know about medical billing in Illinois, from key regulations to best practices and practical tips to help you navigate the complex world of medical billing with ease. Let’s dive in!**
**Key Regulations and Requirements in Illinois:** 1. **Illinois Insurance Laws**: Illinois has specific insurance laws that impact medical billing practices. Providers must be aware of these laws to ensure compliance and avoid legal issues. 2. **HIPAA Regulations**: Healthcare providers in Illinois must adhere to HIPAA regulations to protect patients’ privacy and secure sensitive medical information. 3. **ICD-10 Coding**: The state of Illinois follows the ICD-10 coding system for medical billing. Providers must use these codes accurately to ensure proper reimbursement. 4. **Medicare and Medicaid Guidelines**: Providers who bill Medicare and Medicaid in Illinois must comply with the specific guidelines set forth by these programs. 5. **Workers’ Compensation Regulations**: Medical providers who treat patients under workers’ compensation must adhere to specific billing guidelines to receive payment for services rendered.
**Benefits of Efficient Medical Billing Practices:** 1. **Increased Revenue**: Efficient medical billing practices can lead to faster reimbursement and increased revenue for healthcare providers. 2. **Reduced Errors**: Proper medical billing practices can help reduce errors and minimize claim denials, ensuring that providers are properly compensated for their services. 3. **Improved Patient Satisfaction**: Streamlined billing processes can lead to faster claims processing and reduced billing inquiries, improving overall patient satisfaction. 4. **Legal Compliance**: By following Illinois’s medical billing regulations, providers can avoid legal issues and penalties that may result from non-compliance.
**Practical Tips for Effective Medical Billing in Illinois:** 1. **Stay Up-to-Date**: Stay informed about changes in Illinois medical billing regulations and guidelines to ensure compliance. 2. **Use Technology**: Utilize medical billing software to streamline billing processes and reduce errors. 3. **Verify Insurance Coverage**: Verify patients’ insurance coverage before providing services to avoid claim denials. 4. **Train Staff**: Provide ongoing training for billing staff to ensure they understand the latest regulations and best practices.
**Case Study – ABC Healthcare Clinic:** ABC Healthcare Clinic, a medical practice in Illinois, implemented efficient medical billing practices and saw a significant increase in revenue and a reduction in claim denials. By training staff, using technology, and staying up-to-date with regulations, ABC Healthcare Clinic was able to streamline their billing processes and improve overall efficiency.
**First-Hand Experience – Emily’s Story:** Emily, a medical biller in Illinois, shares her experience navigating the complex world of medical billing in the state. By staying informed about regulations, using technology to her advantage, and seeking ongoing training, Emily has been able to effectively manage medical billing processes and ensure proper reimbursement for her clinic.
**Conclusion:** medical billing in Illinois is a complex but crucial aspect of the healthcare industry. By understanding key regulations, implementing efficient practices, and staying up-to-date with guidelines, healthcare providers can navigate the world of medical billing with confidence. Remember to prioritize legal compliance, patient satisfaction, and revenue optimization to succeed in medical billing in Illinois. With the right tools and knowledge, you can master medical billing and ensure the financial health of your practice.
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https://schoolsformedicalbilling.org/the-ultimate-guide-to-medical-billing-in-illinois-everything-you-need-to-know/
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