One thing about accessibility and usability, is that when you design something for the minority it tends to make things better for the majority. Take ramps for example, they not only server those in wheel chairs, but also families with strollers and elderly with walkers.
Based on my limited understanding of American politics, it depends on which side of the Mason–Dixon line you live on and when such a divided was relevant.
Insurance is never a good deal. They are betting you’ll never use more then you pay and you are hedging that the day you really do need it, it’ll be worth it. Anything an insurance company covers out of pocket is purely them hedging that those services will save them money in the long run or they have factored it into the price you pay up front.
So yes, insurance is never worth it... unless it is... and then often it really was worth it all along.
I doubt this is true for health insurance, but for many competitive insurance industries insurers will frequently break even or even take a loss on premiums. Warren buffet explains it well in his letters to investors.
Basically, insurers make most of their money by investing the float, so their incentive is to have a bigger float by offering competitive rates to bring in more customers. They don’t really care if they pay out every dollar they take in, because they made money by holding onto the premium in the time in between when you paid it and when a claim was made.
So for things like car insurance, it actually is a pretty good deal. Many companies expect to pay out as much as their clients put in, with the added benefit that you can take out more than you put in if you have a claim immediately after getting insured.
Given this is in Canada, we have decent labor laws, not as good as the UK, but much better then the US. With that said, go talk to a lawyer, note free ones will alway tell you they can get more.
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I usually recommend the following to people I work with:
Practice, but also in all aspects of life, UX - User experience, is not limited to only the realm of computer interface.
Learn to paper prototype, by hand, no computer, no rulers, it's not meant to look pretty, at lest not at first (graphing paper is recommended).
Read Norman's design principles (https://www.educative.io/answers/what-are-normans-design-pri...). Why because they are short and concise, and a good starting point, but not necessarily the be all and end all. (First learn the rules, understand the rules and why they exist, then if needed break them.)
Then look at everything in to world, everything at one point had to be designed. Ask yourself what was the reason. Why did something get build they way it did. Read up on general design and look into intent of why something was/is done a certain way.
Why are milk and eggs at the back of a store? Why are they together?
Look at every door handle, why is it the way it is, what does it communicate?
Sidewalks, roads, crossing, traffic lights, color usage, shapes, position orientation. Look at everything around you and work out why it is the way it is.
Once you catch yourself doing this subconsciously, look at graphic design, ads, magazines, chose your own adventure books. (Slightly off topic but a good radio series: https://www.cbc.ca/radio/undertheinfluence)
In the end keep in mind, that a lot of design is a response to a need, Sometime bad design is needed, bad design forms a presentence, and unless you are willing to retrain every user, you likely have to follow it... think Qwerty keyboards.
Also keep in mind what each step is doing. Is it clear what to do? What will happen next? Why am I filling out this form (again)? Above all use your GUI. Use it yourself. Pretend you know nothing of the space and is it clear what is going on? Grab someone and have them use it, do not walk them through it. Can they get through it without help? Are they getting stuck? One that has been bugging me for a few years now. If you have something that is required. Make sure it is marked. Make sure if they hit next you do not clear out the whole form.