{"id":158,"date":"2015-07-30T13:58:01","date_gmt":"2015-07-30T13:58:01","guid":{"rendered":"http:\/\/www.4yew.org\/research\/?page_id=158"},"modified":"2016-06-29T15:59:32","modified_gmt":"2016-06-29T15:59:32","slug":"consider-your-financial-health","status":"publish","type":"page","link":"https:\/\/www.4yew.org\/research\/consider-your-financial-health\/","title":{"rendered":"Consider Your Financial Health"},"content":{"rendered":"<h2><strong>Is the Business Healthy Enough for Self-Funding?<\/strong><\/h2>\n<p>While not exclusive, here are some financial questions to consider when considering self-insurance:<\/p>\n<ul>\n<li>Has the company been in business for at least three years?<\/li>\n<li>Is the current liquidity ratio greater than 1.3-1?<\/li>\n<li>Is the company&#8217;s debt to net worth ratio less than 4\/1?<\/li>\n<li>Does the company positive earnings last 2 of 3 years?<\/li>\n<li>Does the company have positive earnings overall, even after considering a loss year?<\/li>\n<li>Does the company have sufficient capital to sustain itself during a period of high claim payments; the company should consider evaluating capital sufficiency against state-level captive insurance capital requirements?<\/li>\n<li>Does the company have a strong risk management culture?<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Is the Business Healthy Enough for Self-Funding? While not exclusive, here are some financial questions to consider when considering self-insurance: Has the company been in business for at least three years? Is the current&#46;&#46;&#46;<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"open","template":"","meta":{"footnotes":""},"class_list":["post-158","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.4yew.org\/research\/wp-json\/wp\/v2\/pages\/158"}],"collection":[{"href":"https:\/\/www.4yew.org\/research\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.4yew.org\/research\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.4yew.org\/research\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.4yew.org\/research\/wp-json\/wp\/v2\/comments?post=158"}],"version-history":[{"count":2,"href":"https:\/\/www.4yew.org\/research\/wp-json\/wp\/v2\/pages\/158\/revisions"}],"predecessor-version":[{"id":194,"href":"https:\/\/www.4yew.org\/research\/wp-json\/wp\/v2\/pages\/158\/revisions\/194"}],"wp:attachment":[{"href":"https:\/\/www.4yew.org\/research\/wp-json\/wp\/v2\/media?parent=158"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}