health products

Saving on your small business health insurance can be a challenge. But there are ways to overcome the financial obstacles and get the coverage necessary for your business. There are two major benefits of employer-based coverage. First these plans, although expensive, usually carry the best all around protection for you and your employees. Second, providing benefits plays a key role in attracting and retaining quality employees.

Why is coverage for small businesses so much more than for large corporations?

Health insurance for small businesses cost so much because of the high quality coverage concentrated among a small group of people. Every individual within the group represents a different level of financial risk to an insurance company, and this risk is added up and spread out among the group. Large corporations pay considerably less because the risk is spread to such a large group, where small business owners can see unreasonably high increases in premiums due to one or two members. Small businesses also have to insure their employees under state mandates, which can require the policies to cover some specific health conditions and treatments. Large corporations’ policies are under federal law, usually self-insured, and with fewer mandated benefits. The Erisa Act of 1974 officially exempted self-funded insurance policies from state mandates, lessening the financial burdens of larger firms.

Isn’t the Health Care Reform Bill going to fix this?

This remains to be seen. There will be benefits for small business owners in the form of insurance exchanges, pools, tax credits, subsidies etc. But you can’t rely on a bill that is still in the works, and you can’t wait for a bill where the policies set forth won’t take effect until about 2013. Additionally, the bill will help you with costs, but still won’t prevent those costs from continually rising. You, as a business owner, will need to be fully aware of what you can do to maintain your bottom line.

What can I do?

First you need to understand the plan options out there. So here they are.

PPO

A preferred provider option (PPO) is a plan where your insurance provider uses a network of doctors and specialists. Whoever provides your care will file the claim with your insurance provider, and you pay the co-pay.

Who am I allowed to visit?

Your provider will cover any visit to a doctor or specialist within their network. Any care you seek outside the network will not be covered. Unlike an HMO, you don’t have to get your chosen doctor registered or approved by your PPO provider. To find out which doctors are in your network, simply ask your doctor’s office or visit your insurance company’s website.

Where Can I Get it?

Most providers offer it as an option in your plan. Your employees will have the option to get it when they sign their employment paperwork. They generally decide on their elections during the open enrollment period, because altering the plan after this time period won’t be easy.

And Finally, What Does It Cover?

Any basic office visit, within the network that is, will be covered under the PPO insurance. There will be the standard co-pay, and dependent upon your particular plan, other types of care may be covered. The reimbursement for emergency room visits generally range from sixty to seventy percent of the total costs. And if it is necessary for you to be hospitalized, there could be a change in the reimbursement. Visits to specialists will be covered, but you will need a referral from your doctor, and the specialist must be within the network.

A PPO is an expensive, yet flexible option for your small business health insurance. It provides great coverage though, and you should inquire with your provider to find out how you can reduce the costs.

HMO (Health Maintenance Organization)

Health Maintenance Organizations (HMOs) are the most popular small business health insurance plans. Under an HMO plan you will have to register your primary care physician, as well as any referred specialists and physicians. Plan participants are free to choose specialists and medical groups as long as they are covered under the plan. And because HMOs are geographically driven, the options may be limited outside of a specific area.

Health maintenance organizations help to contain employer’s costs by using a wide variety of prevention methods like wellness programs, nurse hotlines, physicals, and baby-care to name a few. Placing a heavy emphasis on prevention cuts costs by stopping unnecessary visits and medical procedures.

When someone does fall ill, however, the insurance provider manages care by working with health care providers to figure out what procedures are necessary. Usually a patient will be required to have pre-certification for surgical procedures that aren’t considered essential, or that may be harmful.

HMOs are less expensive than PPOs, and this preventative approach to health care theoretically does keep costs down. The downside, however, is that employees may not pursue help when it is needed for fear of denial. That aside, it is a popular and affordable plan for your small business health insurance.

POS (Point of Service)

A Point of Service plan is a managed care insurance similar to both an HMO and a PPO. POS plans require members to pick a primary health care provider. In order to get reimbursed for out-of-network visits, you will need to have a referral from the primary provider. If you don’t, however, your reimbursement for the visit could be substantially less. Out-of-network visits will also require you to handle the paperwork, meaning submit the claim to the insurance provider.

POSs provide more freedom and flexibility than HMOs. But this increased freedom results in higher premiums. Also, this type of plan can put a strain on employee finances when non-network visits start to pile up. Assess your needs and weigh all your options before making a decision.

EPO

An Exclusive Provider Organization Plan is another network-based managed care plan. Members of this plan must choose from a health care provider within the network, but exceptions can be made due to medical emergencies. Like HMOs, EPOs focus on preventative care and healthy living. And price wise, they fall between HMOs and PPOs.

The differences between an EPO and the other two organization plans are small, but important. While certain HMO and PPO plans offer reimbursement for out-of-network usage, an EPO does not allow its members to file a claim for doctor visits out its network. EPO plans are more restrictive in this respect, but are also able to negotiate lower fees by guaranteeing health care providers that it’s members will use in-network doctors. These plans are also negotiated on a fee-for-services basis, whereas HMOs are on a per-person basis.

HSA (Health Savings Account)

An HSA is a tax-advantaged account used to pay existing and future medical expenses. HSAs are used in conjunction with high-deductible health plans (HDHP), which will make some with pre-existing conditions ineligible. Also, HSAs must be funded with cash. Communicating the terms of this account to your employees is important, as a large number of HSAs are underfunded or improperly funded. The health savings accounts were signed into the law by George Bush in 2003, and have become an affordable alternative to a group health plan.

When inquiring about an HSA, there will be a few things you will want to clarify. While HSAs generally cover routine medical expenses and copays, some can provide dental and vision care as well. And since HSAs can be combined with certain compatible plans, it is important to understand how money from the account will be allocated. And finally, you will want to know about cashing out your HSA balance. The amount is taxable and could be subject to a ten percent excise tax.

HRA (Health Reimbursement Arrangement)

An HRA is exactly what it sounds like. The employer reimburses the employee for health care. As an employer, you will usually have the option to contribute to a reimbursement fund, or to pay fees as they are incurred. These reimbursements can be deducted from your taxes, and are tax-free for your employees, saving you both money.

Some providers empower employers by giving them more options. HRAs, unlike HSAs, don’t have to be funded with cash money, placing a book keeping entry on your balance sheet is enough. You can usually control aspects of your arrangement such as reimbursement limits, whether you or your employee pays first, and if the previous year’s funds roll over.

HRAs are becoming a more popular option because of the control it has given small businesses. Combined with a high deductible health plan (HDHP), an HRA could be the most cost-effective solution to your small business health insurance problems. It’s always best to compare these plans to PPOs, HMOs, and EPOs to know what works best.

Fee for Service (FFS) or Traditional Indemnity

A fee for service plan is the most flexible small business health insurance option. You choose your doctor, and your hospital. You can see a specialist without a referral. This flexibility, however, comes with more out-of-pocket expenses and higher insurance premiums.

The typical FFS plan has a deductible ranging anywhere from five to fifteen hundred dollars. After this amount is reached, the provider will pick up eighty percent of your medical bills, and require you to pay the remaining twenty percent. Because of the rising costs of health care, and the potential for a small number of doctor’s visits to cost thousands, these plans can become incredibly expensive.

Flexible Spending Account (FSA)

A flexible spending account is a savings account to be used for medical expenses, and is funded by pre-tax dollars. Using pre-tax dollars means that your employees will actually show that they have less income, and will therefore have less taxes withheld. As an employer, you set the limit on contributions to the account per year. In addition to the employee contribution, you can also credit the account, or fund it completely from your general assets.

An FSA, especially if combined with an HDHP, can significantly reduce the costs of small business health insurance.

You should be forewarned, money from FSA accounts cannot be rolled over. They are, however, available to use for two years and two and half months after the benefit year. A terminated employee won’t be able to use leftover funds, unless there is a positive remaining balance and COBRA is elected.

Small business health insurance providers have made significant improvements in their services to simplify the administration of your plan. With HRAs, FSAs, and HSAs, your employees can use debit cards for medical transactions. Be sure to research this thoroughly. You will want to be sure your debit card plan is IRS compliant, and that you can use a large number of pharmacies. You should also pick a plan that can verify eligibility on the spot. Talk with your agent about linking transit, parking fees, and prescriptions to the same card. When picking the debit card options, please be sure to clarify the details of the substantion process. This is IMPORTANT! With other plans, the provider may assign someone to manage your plan. Or you may have to hire someone. Still, you should be able to login to your account and print insurance cards, important papers etc.

The next thing you can do is thoroughly assess your needs. Being that every member of your small business plays a key role in its success, it is vital that their needs are met. And understanding these needs is crucial to finding the right plan. Find out about chronic illnesses, and additional information related to past health issues. Know what your employees think about health insurance, and get them involved in the process.

Hiring an agent or a broker

Finding and understanding small business health insurance can be a daunting task. While some choose to go it alone, others need some professional assistance. You need to understand the difference between an agent and a broker, and how you can get the most from either of them.

A broker

Brokers function independently and usually work for several different companies. Since they have a variety of resources, they can usually provide more options and a better overall view of the marketplace. Brokers will assist you by evaluating the costs and designs of plans from your local major carriers. The cost isn’t everything, you want to get the coverage that you need.

Ask the broker how he or she is getting paid for their services. They should readily divulge that information. Some brokers may charge you a flat free. Some receive a fee from an employer, while others receive a commission from the insurance provider. Any commissions could be reflected in your premiums, but not to the point that you should worry.

An agent

Agents typically provide services for one company. They have a closer relationship to the insurance company than a broker would, giving them more leverage to make alterations to your plan. In some cases they can offer a particular plan for less than a broker, and may have access to additional services like worker’s compensation. To find out what different providers have to offer, talk to more than one agent. It may be time-consuming, but it could bring you closer to the most cost-effective solution for your small business health insurance.

One of the common options presented by agents is the employee-elect option. This is an arrangement where employees pick the plan they prefer. Those who don’t need as much coverage won’t be forced to pay so much, and those who do need it can get it without increasing the financial burden of the company as a whole.

How to Save On Your Small Business Health Insurance Plan

What’s important to remember is that there really is no inexpensive solution to health care. Even if your initial premiums are reasonably low, they could rise significantly at your next renewal. So saving money on small business health insurance is about doing a combination of things simultaneously to get good rates, and to then maintain those rates.. And it will require a consistent effort from you, your employees, and your insurance provider.

First, you can save yourself money by reading the fine print. You need to know exactly what your plan does and DOESN’T cover. There are also state mandated coverages. For example, in states like Illinois, your insurance must cover mammograms. Also, understanding the ins and outs of your plan will give you and your employees a better idea of how to deal with your insurance.

Next, you should shave unnecessary benefits. After reading all about your plan, you will find coverage for things you may not need. Eliminating these benefits can significantly drop monthly small business health insurance premiums. For example, eliminating coverage for brand name medications can reduce costs by more than 25 percent.

Wellness program have worked wonders for small businesses. A wellness program is any program designed to promote healthy living within the organization. Weight loss competitions benefit every participant. Add a financial incentive for further motivation. Stock the work fridge with water, and leave literature about healthy living lying around. Search the internet for calorie counting charts. Raising awareness entice workers to make positive changes. Active, exercising, diet-conscious employees have stronger immune systems, more vitality, and more productive workplaces. They also don’t deal with as many health issues. Fewer doctor visits and hospitilizations will help maintain lower annual premiums, because it will prove to your insurance provider that your business is a low financial risk.

Increasing your co-pay and deductible can go a long way towards cutting costs. For instance, raising co-pays by just ten dollars has saved companies as much as thirteen percent on their premiums. A higher deductible will significantly reduce your monthly premium. To lessen the financial burden of high-deductible health plans (HDHPs), combine them with an HSA. Combinations like these have saved both business owners and employees bundles of cash.

Check into getting a nurse hotline. A nurse hotline is a toll free, 24-hour-a-day, seven-day-a-week service. Employees can get medical advice from qualified, registered nurses. This method has deterred a large number of people from emergency visits, and it can also be used for preventative care as well. Insurers like Nationwide have them, or you may have to purchase from a third-party provider.

Increase the size of your group to reduce your monthly small business health insurance premiums. In a survey by America’s Health Insurance Plans, small businesses who employed ten people or less paid forty three more dollars on average than businesses with twenty six to fifty employees. Check around with other businesses owners, or fellow members of business organizations. Some states also have small business groups and pools for this purpose. Check with your state Chamber of Commerce and Department of Insurance.

Beware of heavily discounted plans. First, there are numerous scammers trying to get your money. They promise low rates, and usually cover little to nothing at all. The internet is notorious for swindlers trying to hustle you out of a buck. If you are going with a company you aren’t familiar with, please do your research. On another note, even reputable companies present problems. In an attempt to gain market share, Blue Cross offered small businesses discounted rates in 2008. For 2009, some of these same businesses were set to see increases of as much as 47% in their premiums. As the costs of medical care increases, the costs are shifted from the insurer to the insured, and discount plans become overpriced plans quickly.

Shop around. As mentioned before, talking to different agents will expose you to the best that insurance providers have to offer. Ask other small business owners about their providers. You can use trusted online resources like Netquote and Ehealthinsurance to shop around instantly. These services also let you compare plans side by side, and allow you to purchase your plan online. Even after you get your initial plan, it’s good to annually reevaluate your coverage. This will keep you on the up-and-up about what the market is offering. Keeping costs down is an ongoing effort, especially with rates and plans changing all the time from company to company.

Share some of the costs with your employees. Raising employee contributions isn’t a popular option, but it may be one of the only ways to absorb costs and maintain small business health insurance coverage. Communicate with your employees about how to keep costs down, and remind them that their increase is your increase as well.

INTRODUCTION

At the General Conference of UNESCO held in Paris on 19th November, 1964, it was agreed that “a publication is a periodical if it constituted one issue in a continuous series under the same title” (Norman, 2008). Supporting this notion, a periodical literature is published at regular intervals over an indefinite period, individual issues in the series being unnumbered. On this note, a periodical literature is a publication with a distinctive title which appears at stated or regular intervals without prior decision as to when the last issue shall appear. It contains articles, stories, or other writings by several contributors. Periodical literature is used in its narrower sense as indicating transactions and percentages of societies, daily newspapers magazines, scholarly journals, trade journals, review journals. Like most underdeveloped and developing countries in the world inadequate funding of higher education libraries in Sierra Leone reflects on poorly developed periodical literature collection and as a result ineffective information service is provided to the dissatisfaction of users. Based on the value for research work in the academia, managing periodical literature in higher education libraries in Sierra Leone should be the need for a collection of standard periodical literature in academic libraries is necessary.

HIGHER EDUCATIONAL INSTITUTIONS IN SIERRA LEONE

Sierra Leone operates a 6-3-3-4 system of education are subdivided into six(6) years at the primary level, three(3) years at the Junior Secondary level, three(3) at the Senior Secondary level, and a minimum of four(4) years at the tertiary level. This sub-division allows the implementation of curriculum that takes account of the different pupils more fully. The general aim of education policy in Sierra Leone is to provide every child with an education which takes fully into an account: character development: his interest ability and aptitude; his emotional, psychological and physical well-being; the manpower needs of the country; the equal importance of both academic and non-academic education; the need for a literature and numerate populace.; the economic resources of the state, so that his education can be of use to the country and at the same time provide opportunities for him to be successful in life.

Higher education is post-secondary education given in a university, college or polytechnique and is the stage of specialisation. The objectives of higher education vary according to the institution and course of study but generally include the acquisition physical and intellectual skills necessary for the development of both the individual and his society. In Sierra Leone, higher educational institutions form the basis of educational advancement following the completion of secondary education. Higher education is the most effective means altering the outlook of people through the broadening of their horizon. Societal development to a large extent is dependent on the human resource empowerment and development. Against this background, higher educational institutions play a pivotal role in developing the human resource to contribute positively and meaningfully to the socio-economic, political and educational development of Sierra Leone.

Higher educational institutions in Sierra Leone are the University of Sierra Leone, Ernest Bai Koroma University and Njala University which are state owned and University of Makeni and Limkonwong University which are private owned. The constituent colleges under the University of Sierra Leone include Fourah Bay College(FBC), Institute of Public Administration and Management(IPAM) and College of Medicine and Allied Health Science(COMAHS); Bo Campus and Njala University. The higher educational institutions of collegiate status include Milton Margai College of Education and Technology; Eastern Polytechnigue; Bonthe Polytechnique; Freetown Teacher. Port Loko Teachers College and these offer courses leading to the award of diplomas and Certificate. On the contrary, the state-owned and private -owned universities offer Certificates, Diploma, Undergraduate and postgraduate degree courses in various disciplines in the faculty of their respective institutions. The curricula differs from institution to institution and curricula and programmes that require the use of periodical literature include medicine, law, engineering, education, agriculture, arts and humanities, social sciences, pure and applied sciences, technology, management and administration. To a greater extent, the Central Government, through subventions funds for higher educational institutions to enhance their smooth-running, even though some donor agencies do render financial assistance to these institutions in addition to internal funds generated by them.

HIGHER EDUCATION LIBRARIES IN SIERRA LEONE

Libraries are storage of information and information is such a valuable commodity that its immense contribution to national development cannot be underestimated. Higher education libraries are the nerve centres of all academic activities. This simply implies that these libraries contribute to the teaching/learning and research programmes of the parent institutions by providing the needed information services for undergraduate and postgraduate students, teaching staff, researchers, administrative and technical staff. Effective academic work is dependent on quality information service and the library plays a significant role in this regard. According to Frederick Ken Nicol information is an important source used by organisations to deliver appropriate product or services to customers(2011 p.64). In this vein, higher education libraries manage information to satisfactorily meet the need of their clientele. Thus, information needs to be planned for in the same way that human and financial resources are planned to ensure increased productivity and efficient service delivery. Therefore, academic libraries like all other organisations that have thought out and systematic information planning process stand out to benefit more those that do not. Well-planned and organised information enhances effective service delivery.

Higher education libraries in Sierra Leone support research work, community development and complement the teaching/learning processes in their respective parent institutions. In this regard, good management of higher education libraries is the organisations and maintenance of a well-balanced and vibrant collection in ensuring that the information needs of users are satisfactorily met. The different collections stocked in these institutions include but not limited to general book collection on all disciplines to loan by users out of the library building, specialised collection, reference collection and periodical literature and the quantum of their contents depends on the size of the library and its readership. Developing and maintaining a well-stocked collection as well as recruiting and empowering competent and qualified staff is largely dependent on the financial strength of the library. Therefore academic libraries need to be prioritised by their parent bodies when it comes to annual budget approval and allocations for their effective operations.

Managing academic libraries could be linked with the services they offer. Since the operations of academic libraries are gear towards the provision of effective services, this is only actualised by purchasing multiple copies of textbooks, recent journals and a good collection of recommended texts for background reading to develop and organise an academic library for effective academic work.

PERIODICAL LITERATURE IN HIGHER EDUCATION LIBRARIES AND MANAGEMENT

The provision of higher education libraries is necessary in complementing the teaching/learning process and for effective research work. In this regard, premium should be put on the management of periodical literature in higher education libraries taking into account their significance in providing current and researchable information.

Since periodical literature forms part of the collection of an academic library, a large percentage of its budget allocated should be utilised for the purchase of current and popular journals. The periodicals to be acquired should be titles recommended by faculty members in collaboration with the periodical Librarian across disciplines offered in the institution such as Library Quarterly; Journal of Sociology; Chemical, Abstracts; Soils Science Journal; International Journal of Management; Clinical Science Quarterly. It is important to note that organising and maintaining periodicals in higher education libraries differ from institution to institution.

Initially, periodicals were published to enable philosophers and Scientist to communicate their new ideas and thought to others interested in the same or similar subjects. Today, periodicals are principal media for publishing original learned papers and the state-of-the-art reviews. They are increasingly important as they can be useful for both current and retrospective information needed by academics.

Lawson(2014) opined that the significance attached to periodical literature necessitates the development of a strong periodical literature collection as part of the library stock. The writer of this article, however revealed that periodicals are of great significance in higher education libraries in that:

new topics new discoveries and technologies are usually introduced in articles in periodicals;
they supply generally the latest possible information on a given subjects;
they are often the purely source of materials on new subjects;
they supply a particular article to a reader who has seen it cited in a book or another journal; and
they provide an overview of the state of a given discipline at a particular time.
Also periodical article may remain invaluable information sources for a generation or indeed for a longer period. Periodical articles are usually fairly concise, often very reliable and frequently well-illustrated. A point to note is that periodical carry current information on most disciplines.
Further significance of periodical literature in higher education libraries as asserted is that they are primary source of new information, whether it be the result of research, news items, statistical data, announcement, correspondence, advertisements about a products and services or whatever. Each type of periodical is important to at least a group of people in academia, relating to their work, or leisure activities; some have ephemera existence; others may be useful for many years, even indefinitely. Taking into the consideration the significance of periodical literature in higher education libraries, their selection and acquisition either by subscription, donation or exchange should be a collaborative effort between the libraries and staff of the various colleges and universities.

Periodical literature in higher education libraries in Sierra Leone include journals, indexes, abstracts, magazines, serials and their organisations and management differs from library to library. Issues of all received periodical literature are recorded on a kardex and any missing issue should be claimed from the publisher. Before displaying and shelving them, all recorded issues are claimed with the ex libri stamp of the library in question. When all the issues to complete a volume are received, they are then put together to be sent to bindery or conservation unit for either hard cover binding or stitching. Users of periodical literature in these institutions include students, lecturers and researchers. Periodical literatures are to be used within the walls of the Periodical Department. However, users are allowed to take them out to photocopy the required pages after signing for them. Lecturers are given conception to loan them on short term basis and loan records are kept to recall overdue issues. The maintenance of periodical literature is as importance as the other collections of the library.

CHALLENGES

The major challenge higher education libraries in Sierra Leone face is funding. These libraries are inadequately funded by their parent bodies to a point that the smooth-running of their operations in ensuring effective information service delivery is greatly hampered. For an academic library to develop and maintain a vibrant periodical literature collection depend on how well it is funded. Collection development in higher education libraries in Sierra Leone has faced challenges of fulfilling the demand of their clientele with an increasing scarcity of funds to cope with the high cost of periodical publications. As the result of the law budget allocated to run these libraries, subscribing to the required journal title poses a serious problem for the Acquisition Librarian. Some volumes are incomplete; missing issues are hard to replace and the purchase of kardexes on which received journal issues are recorded is not quite feasible since the library operates within a limited financial resources.

In effectively operating higher education libraries, both the human and financial factors should be balanced as these two are inseparable in achieving the desired goal of an organisation. Against this background, colleges and universities in Sierra Leone with the support of the Ministry of Technical and higher Education should re-defined their respective libraries so that premium could be placed on the subscription of relevant journal titles as well as claiming missing issues from publishers and their agents.

Another challenge higher education libraries in Sierra Leone faced in managing their periodical literature collection is that of storage space. Most of these libraries with the exception of Fourah Bay College(FBC) library which has a separate Periodical Department, do not have enough space for newly acquired titles. The storage problems these libraries faced leads to the frequent weeding of periodical literature to create space for subsequent issues.

The cost involved in conserving and preserving periodical volumes and issues is another challenge in managing periodical literature in higher education libraries. Unbound, unstitched issues can be easily snatched away especially for those in heavy demand. Completing the problems are those of heavy use of limited copies. Opening hours of periodical literature collection and loan system; inadequate staff situation and capacity building for staff to effectively manage periodical literature collection which implies that recruited staff should be trained academically and professionally to enhance their competence and efficiency; misuse and abuse of periodicals in terms of theft mutilation of important articles thereby depriving other users and rough handling that causes damage which simply means insecurity; digitisation of periodical literature collection as a way of modernising it in this information Age whereby information is processed, preserved and retrieve electronically in ensuring speed and accuracy; unavailability of online copies and photocopiers taking into account the growing number of periodical literature.

Any treatment of collection development in higher education libraries cannot afford to overlook the question of periodicals which can be seen as a challenge. As valued sources of recent and reliable information for researchers and academics, periodicals are of great significance. The role they play for the advancement of knowledge to combat illiteracy cannot be underestimated. Periodical literature remains vital sources of information for a generational period. Higher education librarians may not be able to judge the intrinsic value of periodicals but should know something about their value to the institution in question and pattern of use which are important criteria for judging their value.

Periodical literature can be of great significance in higher education libraries in Sierra Leone and so their effective management should be of concern to the librarians and university authorities. In developing periodical literature collections in academic libraries ensure balanced collection of current journal titles in subject areas relevant to the curriculum, librarian-faculty collaboration is crucial. The adequacy of periodical literature collection depend on journal titles selected and acquired to be added to the existing stock to meet the needs of the curriculum of the institution and those of users. In view of these challenges, the authorities of higher education libraries in Sierra Leone should see the need to solicit adequate funds through lobbying the Government, NGOs, parastatals and philanthropists to render financial assistance for the effective cooperation of their libraries. Advocating by librarians for good budget allocation is quite in place and the step in the right direction.

CONCLUSION

Higher education libraries in Sierra Leone need to build and maintained vibrant periodical literature collections but this is dependent on how adequately they are funded by their respective parent institutions. Therefore, there is a need for an increase in the budget allocation of these libraries so that they can achieve their desired goals. A point-worth noting is that the appointment of qualified and competent staff in running the periodical collection of these libraries should be taken into keen consideration as both the human and financial factors should be well balanced in enhancing effective service delivery. Capacity building of the recruited staff to a large extent is fundamental for efficient performance ensures their upward mobility which is seen as a motivational factor. Staff of the periodical literature collection should be security-conscious to avoid the misuse and abuse of periodicals. The use of periodical should be closely monitored by staff so that pages are not mutilated and heavily used issues are not taken away by users whereby others are deprived. Photocopying facilities should be provided within the library, so that needed pages are photocopied by users on request. The availability of adequate funds enhances the digitisation of periodical literature collection thereby ensuring the availability of online copies which makes the management of periodical literature in higher education libraries in Sierra Leone advantageous. The librarians of these institutions should endeavour to revisit the opening hours of their periodical literature collections as long hours could allow profitable use of the time of users.