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We hope the information in this pamphlet helps to explain our athletic insurance policy, referral procedures, and answer any questions you may have concerning the scope of coverage.http://www.wm.edu/sportsmedicine/faq.pdf. What type of athletic insurance does the athletic department carry? Your cooperation in adhering to the policies and procedures outlined in this pamphlet will enhance care and is necessary to make claims against our insurance. As a service to our student athletes, the Athletic Department provides a secondary or supplemental athletic accidental insurance. The secondary insurance policy requires that the injured athlete first make a claim under their primary medical or hospitalization insurance. Medical expenses not covered by the primary insurance will be paid under the school's policy (subject to its limitations and conditions). You must complete an annual medical insurance questionnaire that asks for the personal insurance information under which your child is covered. This form, along with a photocopy of the applicable primary medical insurance I.D. card (front & back), on the page provided (signed at the bottom), must be on file in the athletic training room prior to an injury. How does the insurance coverage work? The secondary insurance policy requires that the injured athlete first make a claim under the primary insurance. If the provider does not file with the primary insurance, the provider may send you a bill for you to file with your insurance company. If after 60 days of the date of injury, you have not received anything from your insurance company: 1. call your insurance company to check the status of the claim, and/or 2. ... This fact sheet provides a summary of final estimates of health insurance coverage gathered from the 2001 and 2004 Minnesota Health Access Surveys.http://www.sph.umn.edu/img/assets/18528/MNAccess2004FactSheet.pdf.1 In addition to this fact sheet, there is a detailed report that contains in-depth survey results.2 Although Minnesota has consistently had one of the lowest rates of uninsurance in the country,3 the rate of uninsurance increased in Minnesota between 2001 and 2004, after years of declining and stable uninsurance rates (See Exhibit 1).4 The increase in the number of uninsured Minnesotans was driven by a decrease in employer-based health insurance coverage, During this same period, the level of uninsurance and enrollment in public health insurance programs increased. Health Insurance Coverage in Minnesota, 2001 vs. 2004 * Indicates a statistically significant difference between 2001 and 2004 at the 95% level ^ Indicates a statistically significant difference between age group and all ages within year at the 95% level Health Insurance Coverage in Minnesota, 2001 vs. 2004 As described earlier, group coverage in Minnesota decreased from 2001 to 2004, and the level of uninsurance and enrollment in public health insurance programs increased. As shown in Exhibit 7, the decrease in group coverage was driven by a decline in the percent of people who worked for or had a family member who worked for an employer that offered health insurance coverage and a decline in the percent of employees and dependents eligible for coverage offered through an employer. * Indicates a statistically significant difference between 2001 and 2004 at the 95% level 1 Person works for or has a family member who ... Insurance can help protect against disastrous health care expenses and lost wages.. You can also purchase these coverages privately or through an insurance agent who is licensed by the State to sell health insurance products. Check with the insurance carrier BEFORE you use the plan to make certain your physician or hospital is a contracting provider. However, the insurance company will decide on the basis of your health history if they will issue the coverage. Multiple Employer welfare Arrangements(MEWA) may be insured or partially –insured plans. The California Insurance Code now requires MEWA’s to obtain a "Certificate of Compliance" and to set aside financial reserves to operate. These plans can only be sold through a licensed life insurance agent. Shop carefully through a licensed health insurance agent who is knowledgeable about this type of coverage. Supplemental Insurance Policies Cancer, hospital indemnity, accident, and medigap contracts are just some examples of supplemental insurance policies. Self-Insured Single Employer Plans You are self-insured under the Employment Retirement Income Security Act (ERISA) or if it is "insured by" an insurance company. Health Insurance Plan of California (HIPC)—-The State of California sponsored a health insurance pool for small employers (3-50 full-time employees). Assignment of Benefits—When you assign benefits, you sign a paper allowing your hospital or doctor to collect your health insurance benefits directly from your insurance company. Claim—Notification to the insurance company from the insured or health provider (if you have assigned benefits) that a payment ... • Insurance to cover a particular need such as paying off a mortgage or consumer debt upon the insured’s death.http://www.quotit.net/resources/life.pdf. If you need more information than is given here, you should check with a life insurance agent or company or consult books on life insurance which are available at your public library. There are two basic types of life insurance, term insurance and cash value insurance. If you have a limited amount to spend, and only need insurance for a finite period of time, you may be able to get more coverage by buying term insurance than by buying cash value insurance. Keep in mind that the cost of term insurance increases as you get older, which may make it more expensive than cash value insurance in the long run. Some term insurance can be converted to cash value insurance up to a specified age with no physical examination. Premiums for the converted insurance will most likely be higher than the premiums you would be paying for the term insurance. If all premiums are paid, cash value insurance usually lasts for the whole life of a person, and pays death benefits to the beneficiaries named in the policy upon the death of the insured. Some of the most popular types of cash value insurance are described below: Whole Life Insurance (also known as straight life, ordinary life and traditional permanent insurance) has guaranteed premiums and death benefits, and a minimum interest rate which will be credited to the funds accumulated in the policy. Like term insurance, universal life insurance policies usually have two sets of premiums - guaranteed maximum premiums, and “current premiums”, which may be lower, but which can be ... We protect consumers, the public interest, and our state’s economy through fair and efficient regulation of the insurance industry.http://www.ofm.wa.gov/budget/manage/strategic/160strategicplan.pdf. The Office of Insurance Commissioner is created by Chapter 48.02 RCW. Subsequent chapters of Title 48 define the Commissioner’s authority and responsibility for matters such as insurance company formation, capital and reserve requirements, regulatory requirements for specified lines of insurance, and company rehabilitation or liquidation. Ensure compliance by agents and brokers with financial requirements of Washington insurance laws Prevent illegal insurance schemes from operating in the state of Washington Provide and maintain easy access to current, helpful, and relevant information regarding the rights of consumers as insurance purchasers Beginning in the latter half of 2000, Washington and the rest of the nation were affected by a “hard market” where insurance costs rose at levels above the inflation rate. Certain types of liability insurance – particularly medical malpractice, homeowners and construction liability – were affected the most in terms of rate hikes and new underwriting restrictions. These lines of insurance not only saw sharp spikes in pricing, but fewer insurers offered coverage. Insurers who continued to write policies have been more selective about the individual risks they are willing to underwrite. The industry has moved out of the hard market and the rate of price increases has flattened and availability of all but a few types of liability insurance has improved. Auto and homeowner insurance rates began to moderate in 2004, with some companies proposing rate ... Insur-ance provides a means to protect business from some of these costs and liabilities.http://www.ecy.wa.gov/pubs/99434.pdf. What insurance coverages might be affected by pollution prevention? As a result, the cost of insurance to protect a firm from these potential costs and liabilities may be reduced. The two insurance coverages most likely to be affected by pollution prevention implementation are property insurance (due to reduced risk of fire or explosion) and environmental insurance. Environmental insurance pro-vides coverage for damages and liabilities related to the use or generation of hazardous materials. Coverage for these costs and liabilities is specifically ex-cluded from conventional property and general liability insurance. In some instances, premiums for health and workers compensation insurance may be reduced as a result of implementation of pollution prevention. How can P2 implementation affect insurance costs and coverage? The cost of insurance reflects the risks being insured. As these risks are lowered through pollution prevention, insurers may either reduce the cost or expand the coverage. How can insurance encourage pollution prevention? Insurance can encourage pollution prevention in two ways. As a result , the potential insurance benefits of pollution prevention for most firms are limited to possible reductions in coverage for fire and explosions under property insurance. Even when firms do carry environmental insurance, a majority of firms allocate insurance costs to overhead and do not recognize them as environmental costs. Much of the material produced by insurers describing environmental insurance emphasizes compliance over ... Getting reductions in insurance costs as a result of pollution prevention (P2) demands a firm take aggressive action.http://www.ecy.wa.gov/pubs/99435.pdf. This is true for both reductions in costs of conventional property and workers’ compensation insurance and for reductions in the cost of insurance for potential environmental damages and liabilities. A large majority of firms which have reduced their potential environmental damages and liabilities through implementation of P2 measures have failed to request or demand corresponding reductions in insurance costs. As a conse-quence, insurers have not developed good data to document the risk reductions attributable to specific P2 measures. Interviews with environmental managers suggest that few have any involvement in negotiating insurance and few have any detailed knowledge of their actual insurance coverages and costs. Consequently, the link to insurance reductions from reducing risk through pollution prevention measures is seldom made. 1. Determine What Your Current Insurance Covers. Property Insurance: Covers conventional damages to owned property - fire, explosion, theft. Determine whether your property insurance contains a pollution exclusion. Determine whether your general liability insurance contains a pollution exclusion. Environmental Insurance: Covers damages and liabilities excluded from conventional property and liability coverages. Determine whether your firm carries environmental insurance. Determine whether your current insurance rates and any quoted rates are based exclusively on general standards for your industry or whether they reflect specific risks at the facility being insured. The ... Rinehimer takes on his new position in addition to his duties as chairman of First Trenton and Travelers’ other wholly owned single-state subsidiaries, including Premier Insurance Co.http://www.insurancejournal.com/pdf/InsuranceTimes_20020723_38626.pdf. of Massachusetts. Forsyth has been promoted from vice president and general counsel of First Trenton. Fox has been active in the Professional Insurance Agents for years, including having served as PIA National Director. He was elected to the board of the Independent Insurance Agents of Vermont, helping to pave the way for the merger of the two state groups and the creation of VIAA. As part of its continued growth strategy, the Worcester, Mass.-based agency, The Protector group, has added two employees. Suzanne Adams has joined as an account executive who will be selling employee benefits. Karen Moore has joined as personal lines manager, overseeing personal lines operation and managing new business processes, as well as staff training and development. IIANH Victoria Dickinson has accepted the position of member service representative for the Independent Insurance Agents of New Hampshire. She will be responsible for the day-to-day sale and service of errors and omissions coverage, the workers compensation program and the group’s homeowners program. Fred C. Church Herman P. Laturnau has been named president and chief operating officer of the Lowell, Mass.-based Fred C. Church Insurance. He has been with the firm for 17 years, having started as chief financial officer. At the loss adjustment and third party administrator, GAB Robins North American Inc., William Hogan has been named assistant vice president and general manager for New York and ... A viatical settlement is the sale of a life insurance policy to a third party.http://www.naic.org/documents/consumer_life_viaticals_seller.pdf. The owner (viator) of the life insurance policy sells the policy for an immediate cash benefit. The buyer (the viatical settlement provider) becomes the new owner of the life insurance policy, pays future premiums, and collects the death benefit when the insured dies. Now, individuals who are not facing a health crisis may sell their life insurance policies to get cash. Your state insurance department and the National Association of Insurance Commissioners want you to have the facts before you sell your life insurance policy. You may find a way to get more cash from your life insurance policy. 1. Ask your insurance agent or company if you have any cash value in your life insurance policy. 2. Find out if your life insurance policy has an accelerated death benefit. An accelerated death benefit typically pays some of the policy’s death benefit before the insured dies. Not all proceeds received from the sale of your life insurance policy are tax free. Do I still need life insurance protection? Your state insurance department may have a list of viatical settlement providers and brokers that are licensed to do business in the state. Contact your state insurance or securities departments to learn about the issues and risks of viatical settlements if: you’re considering selling your life insurance policy; you’re asked to sell your life insurance policy and your health hasn’t changed since you bought the policy; you’re asked to buy a new life insurance policy and immediately sell it for cash. If you’re interested in buying a life insurance policy as ... Please show the doctor prior to treatment your SITE insurance card and this brochure that the doctor can understand the extent of your insurance coverage.. In case of an unforeseeable insured event occurring abroad the Insurer shall indemnify all and any costs incurred for any medical treatment and shall pay any agreed benefits. Should the policyholder or an insured person waive such a claim or a right for the purpose of securing such a claim without the agreement of the Insurer, then the Insurer is exonerated from that duty to perform for that amount of compensation that would have been attained from said claim or right. The insurance cover is restored as soon as the insurer has received notification that the policyholder has ended such service. In the event of early termination of the policy the insurer is only entitled to the part of the premiums corresponding to the expired insurance period. This applies in particular to the statutory regulations listed in the appendix, which in accordance with the insurance conditions form an integral part of the insurance policy. (2) If the insurance claim occurs after the expiry of the deadline and the policyholder is in default with the payment of the premium or the owed interest or costs at the time of occurrence, the insurer is released from payment obligations. When insuring individual private insureds, sentence 2 position 3 of the BB war risk 92, which is in parentheses, shall be considered agreed without arentheses sand without the word “Optional”. If the insured person has other insurance policies with Generali Versicherungen AG this maximum amount applies ... VA Health Administration Center PO BOX 65023 Denver, CO 80206-9023 1-800-733-8387 www.http://www.va.gov/hac/forms/forms/10-7959c.pdf.va.gov/hac Fax (303) 331-7808 Failure to provide the requested information will result in a delay or denial of reimbursement until OHI information is received. This form is also used to report any changes in your other health insurance status. PLEASE READ INSTRUCTIONS AND INFORMATION ON THE REVERSE SIDE BEFORE COMPLETING THIS FORM Federal Laws (18 USC 287 and 1001) provide for criminal penalties for knowingly submitting or making false, fictitious or fraudulent statements of claims. I certify that the above information is correct to the best of my knowledge and belief. If there is any change in insurance status for the above person, I agree to promptly notify VA's Health Administration Center. Sign, date below and return to the address at the top of the form. As part of our efforts to coordinate benefits among all involved insurance/benefit plans, all beneficiaries are required to complete and return this OHI Certification. ITEMS TO RETURN WITH YOUR COMPLETED OTHER HEALTH INSURANCE (OHI) CERTIFICATION -- A COPY of your other health insurance (OHI) member ID card, this will help us identify your type of coverage. An EOB is a statement from an insurance carrier or benefit program that summarizes the action taken on claim. SUPPLEMENTAL POLICIES: These are policies, such as American Association of Retired People (AARP), that are designed to pay only after primary health insurance. The primary insurance pays first. This collection of information is to determine what secondary insurance is carried by the beneficiary. Although PL continues to effectively acquire blocks of life insurance business, this practice is no longer the predominant business driver as the company has, over time, diversified into new markets and built niche businesses.http://www.empiregeneral.com/images/fitch0904.pdf. For example, in recent periods PL has become a primary player in the term life insurance market. The ratings also consider the company’s strong, yet slightly deteriorating, GAAP return on equity (ROE), adequate statutory capitalization at the insurance operating level and a high-quality, liquid investment portfolio. However, due primarily to one-time events (i.e., reserve strengthening related to auto residual value insurance and exiting the dental business), GAAP ROE has been below the company’s target of 14%–15% over the past several years. The ‘AA–’ ratings on these notes recognize that they rank pari passu with Protective Life Insurance Company’s (PLIC) other insurance obligations and are, henceforth, assigned a rating equal to that subsidiary IFS rating. Fitch expects the company’s strong individual life insurance sales growth to continue to outperform industry averages at 8%–10%. PL’s other notable subsidiaries consist of three life insurance companies that are directly owned by PLIC (see simplified organizational chart at right). Historically, PL has been an acquirer of blocks of life insurance business and life insurance companies in runoff. It has also been a successful acquirer of life insurance blocks of business and companies in runoff that consist of individual life insurance products — primarily term, universal life and whole life. Fitch believes PL has expertise in acquiring and ... Graduates of the insurance studies program have unlimited opportunities in the field of insurance.http://www.cbt.eku.edu/Programs/INS_BBA.pdf. A current listing of employers seeking gradu-ates is listed in the Insurance Resource Center or check with Career Services. The insurance studies program offers a unique program of study. It is the only program offering a undergraduate degree in insurance in Kentucky. The program was created in 1976 as the result of the initiative of several Kentucky insurance business leaders who believed that the Common-wealth needed an insurance studies program to prepare young men and women for careers in the field of insurance. Such strong support has made it possible for the program to rapidly develop into a nationally recognized insurance studies program for undergraduate students. In the short history of the program, insurance majors at EKU have received national awards, internships, and scholarships. Equally important, students from the program have been successful in obtaining widely diversified positions in the insurance business upon graduation. Insurance majors at EKU are also encouraged to begin work toward such professional designations as the CPCU, CLU, ChFC, ARM, and AAI. In many cases, insurance majors are reimbursed for their examination fees once they successfully complete the examination. The insurance business has also been cooperative in providing employ-ment opportunities to insurance majors. The Insurance Society provides insur-ance majors with a variety of activities related to the insurance profes-sion. In addition, students may also join Gamma Iota Sigma, which is the national insurance fraternity. Insurance ... STUDENTS ODU requires all international students to subscribe to a health insurance plan that meets certain requirements.http://www.odu.edu/ao/oip/elc/forms/elc_altinsurance.pdf. All students must have their insurance provider complete the certification below in English to verify that the company has coverage equal to or better than the coverage detailed below. If your insurance company does not meet the benefit requirements, it is will be necessary for you to purchase a supplemental policy or another insurance plan to ensure your insurance is sufficient. First Name I request the above-named company provide the information below and on the second page of this form. INSURANCE PROVIDER NOTE: Endorsement of this form guarantees to Old Dominion University that the insurance coverage bought by the above-named student (plus any dependents) covers all of the requirements below and on the second page. Old Dominion University Insurance Benefit Requirements Please indicate below whether or not the insurance plan purchased by the student meets each of the following requirements. Yes No The health insurance plan provides benefits for treatment that is medically necessary for most accidents or sicknesses, allowing specific exclusions and limitations, as identified in the insurance policy. Yes No The insurance policy does not discriminate according to age or sex. Yes No The insurance policy does not limit benefits for services such as the following: Inpatient or outpatient surgery X-rays, labs, CT scans and other miscellaneous services Daily hospital room and board Yes No The insurance coverage includes accidental death benefits of at least $15,000. Yes No The insurance company must complies ... Contributions for government social insurance consists of employer contributions for government social insurance and employee and self-employed contributions for government social insurance (formerly call personal contributions for social insurance).http://www.bea.gov/regional/pdf/spi2002/contrib.pdf. It is deducted in the calculation of personal income. Contributions for government social insurance accounts for 8.4 percent of personal income. Employer contributions for government social insurance is 49 percent of the total in 2002, while employee and self-employed contributions for government social insurance makes up the other 51 percent (table G). Employer Contributions for Government Social Insurance Employer contributions for government social insurance is also included in supplements to wages and salaries. A list of the components included in employer contributions for government social insurance and the methodology used to prepare the estimates are available in the Supplements to Wages section of the methodology. These components account for 4.1 percent of personal income (table G). Contributions by employees for the other programs Contributions for railroad employee retirement insurance.--The national and state estimates of the employee contributions for this federally administered program are based on Contributions for state unemployment insurance and for temporary disability insurance.--The contributions for state unemployment insurance consist of the payments by employees in Alabama (1969-70 and 1975-85),Alaska, New Jersey, and Pennsylvania (1984-88 and 1992-96). The contributions for temporary disability insurance are the payments by the employees who are ... | |
