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Contracting with the City requires that artists, vendors, and suppliers provide evidence of certain types of insurance coverage.http://www.sandiego.gov/arts-culture/pdf/insurancerqmnts.pdf. The nature of the contract or the project may require more or less insurance in terms of limits or specialized coverage and the City reserves the right to review the nature and scope of each project and to adjust insurance requirements accordingly. Typically, there are three types of insurance that artists will be asked to provide in conjunction with a contract. General Liability (Commercial General Liability) Insurance: This type of insurance protects artists and the City from third party claims. Minimum liability insurance limits are $1 million and may be increased depending on the size of the project and the nature of the risk to the City. A certificate of insurance is required and the City must be named as an additional insured. Auto Insurance: The type of auto insurance required varies according to the scope of work the artist has been contracted to do by the City. When the artist receives a contract to perform design services only with a budget less than $5,000, the artist is required to provide evidence of his/her current auto insurance. When the artist receives a contract to perform design services only with a budget equal to or more than $5,000, the artist must provide a certificate of insurance for auto liability limits of $300,000 per accident, combined single limit, and the City must be named as an additional insured. When the artist receives a contract for any other type of services, the artist must provide a certificate of insurance for auto liability limits of $1 million per ... The insurance audit is a process common to the insurance industry.http://www.erieinsurance.com/CustServ/S2110102.pdf. We perform an audit to ensure you have paid no more than the appropriate premium for your exposure. An accurate audit is a benefit to you and your business and could save you time and money. This brochure will answer questions about insurance audits often asked by our Policyholders. /, Uf_r gq _l _sbgr= An audit is an examination of your operation, records and books of account to discover your actual insurance exposure for a specific period of time coverage was provided. The audit is done to obtain insurance rating information only. The audit will be done by an auditor representing the Erie Insurance Group. Premiums for Workers’ Compensation insurance and for General Liability insurance are calculated based on estimates of exposure (payroll, receipts, sales, units, etc.) to be incurred during the policy period. The following are not usually included in payroll for Workers’ Compensation insurance: • Payments excluded by law to group insurance or pension plans; Subcontractors who do not have adequate insurance may become the responsibility of the individual who hires them. Therefore, it is important to maintain current Certificates of Insurance for all subcontractors to verify each is properly insured. For subcontractors who do not have proper insurance, there will be an additional charge to your Commercial General Liability and/or Workers’ Compensation premiums. This brochure will answer questions about insurance audits often asked by our Policyholders. This report uses longitudinal data from the 1996 panel of the Survey of Income and Program Participation (SIPP) to exam-ine the health insurance coverage of peo-ple from 1996 to 1999.http://www.census.gov/prod/2003pubs/p70-92.pdf. During the 48-month survey period, respondents reported their health insurance status for each month, providing the opportunity to observe how long people are covered by health insurance or how long they go without coverage. This report focuses on the dynamics of health insurance coverage and how pat-terns vary across economic and demo-graphic groups. • Women were more likely than men to have health insurance for a longer period of time. • Women’s higher coverage rates were due to government health insurance, which covered 11.6 percent of men and 15.3 percent of women in all 48 months. Private health insurance rates (57.9 percent for men and 57.7 percent for women for all months) were equal. • Although not all year-to-year changes were significant, the health insurance coverage rate was higher in 1999 than in 1996. • The gender gap in health insurance coverage rates did not change from 1996 to 1999. • Compared with other age groups, people aged 18 to 24 were the least likely to have health insur-ance — only 62.0 percent were insured all 12 months in 1999. As the teenagers became adults, health insurance coverage rates decreased. This difference largely reflects high-er coverage from government health insurance for women (15.3 percent of women and 11.6 percent of men received gov-ernment health insurance for the entire 48 months). Health insurance coverage rates increased over the years (see Figure 3).5 Although not all year-to-year changes ... Since it is quite a savings to take the insurance through his company, we use their plan.http://www.okstate.edu/osu_per/docfiles/HealthInsSurveyAll200701.pdf. It was not cost effective for me to pay to carry my insurance when my husband had better insurance for less out of pocket money for our family. No, because it is cheaper for me to be added to my spouse's insurance than for me to be covered by my own employer. The insurance with my spouse's companies have always been better and it was so much more economical for us to use his insurance and for me to get the premium conversion. It would cost half my take home pay each month to carry insurance on them through OSU He has coverage from the organization that he works for. Can not afford it too expensive My wife's insurance is paid through her work and it was cheaper to add our daughter to her coverage than mine. My wife has insurance through her job and she carries our childern on her insurance because it was cheeper. It was not cost effective for me to pay to carry my insurance when my husband had better insurance for less out of pocket money for our family. My husband works for the State and has his own insurance It's far too expensive to afford doing so on a single income. Another minor concern is that my new insurance offers a national provider network, which is an advantage for my sone who is going to school out of state. My husband's employer pays for their insurance and the children are covered through his employer at a lower rate than what OSU provides. If a contracted amount for in state provider is $100 and we insurance pays 80 of that, why can't the insurance pay 80 of a 200 bill for an out of state provider? The reason I had to ... The Terms of Appointment for the Research Fellowship Program require participants to have coverage under a health insurance plan.http://www.orau.gov/cdc/Forms/pcs.pdf. Oak Ridge Associated Universities (ORAU) has an agreement with Blue Cross/Blue Shield of Tennessee (BCBST) to include Research Fellowship Program participants on appointments of one year or longer in a special non-employee classification under the regular ORAU employee health insurance plan. Coverage for participants in our program in limited to medical/health insurance and a prescription drug card. Enclosed is a benefit booklet. You are not eligible for dental or vision coverage or for the Flexible Benefits Plan. Each state has a list of medical providers (doctors, hospitals, etc.) that participate in the Blue Cross Blue Shield Blue Network P plan. You receive the maximum coverage by using providers in the plan. If you elect to obtain this insurance coverage as a non-employee, you will be required to pay the full premium which is currently $333.32 monthly for single coverage or $852.86 monthly for family coverage. If your appointment period begins prior to the 16th of the month, an amount equal to twice the monthly premium will be deducted from your first month’s stipend check with a single premium deduction in subsequent months. If your appointment period begins on or after the 16th of the month, an amount equal to a single monthly premium will be deducted monthly from your check beginning with the first month. In either case, no deduction for insurance will be made during the final month of your appointment unless you elect to continue coverage past the termination of your appointment. ... States continue to express interest in providing health insurance coverage to more people through programs that help employees pay the premiums for such insurance.http://www.nga.org/Files/pdf/0609INSURANCEASSIST.pdf. Some states use premium assistance as a way to reach families who might not otherwise apply for public programs such as Medicaid and the State Children’s Health Insurance Program (SCHIP) while strengthening the private insurance market. Premium assistance is defined as strategies in which the state directly subsidizes a portion of the premium for private health insurance coverage. More than 60 percent of people in the United States receive health insurance coverage through their workplaces. Employer-based health insurance coverage contributes significantly to the likelihood that people are able to access services and maintain good health. Research shows that people without insurance use fewer preventive and screening services, are sicker when diagnosed, receive fewer therapeutic services, have poorer health outcomes in terms of mortality and disability rates, and have lower earnings because of poorer health.2 It has been estimated that about 80 percent of people without health insurance either are workers or live with workers.3 Research shows that strategies that encourage employers to offer coverage go a long way in covering uninsured workers and their families and that lack of affordability is a key factor in why workers lack coverage.4 These facts have led many states to conclude that The premium assistance program obtains a list of workers who are enrolled in group health insurance from the insurer and matches that information against the Medicaid ... Chances are your student is starting to focus on the things he will need at college this coming semester.http://www.depts.ttu.edu/parentrelations/documents/propertyinsurance.pdf. Extra long sheets for many residence hall mattresses, lamps, towels, computer equipment, a stereo system… That’s why it’s important to consider insurance coverage for college students. Dependents are typically covered, on average, for up to 10 percent of their parent’s policy, according to the National Association of Insurance Commissioners (NAIC). There are always exceptions so check with your insurance agent to determine the specific provisions of your personal policy. Renters Insurance If that’s the case, renters insurance is a good idea. Premiums average around $20 a month, according to the Texas Department of Insurance. Another thing to keep in mind when purchasing renters insurance is whether there is liability coverage, suggests the Kansas Insurance Department. Before your student heads to college in the fall, it’s a good idea to have them take stock of their belongings, says the Missouri Department of Insurance. Adequate insurance coverage not only protects property, it also adds to your peace of mind. Deductible—The amount you pay on a claim before your insurance company pays. Health Insurance Auto liability insurance policies may cover accidents that involve your student driving someone else’s car—a common, yet not necessarily recommended, practice among college students. Some insurance companies offer “Student away at school” premium discounts for students who don’t have a car on campus. Answer: no, all currently enrolled students of STMU including those who have not purchased the STMU sponsored health insurance plan can utilize the Student Health Center.http://www.stmarytx.edu/healthcenter/pdf/StMarysFAQs.pdf. 2. Why do I have to pay $10 to see the doctor if I purchased the Student Health Insurance? Answer: The STMU sponsored health insurance plan provides coverage in the event a student requires inpatient hospitalization, outpatient referral to specialists, x-ray, etc. The plan was designed with a $10 co-payment, which is less than the co-payment a student might experience with other insurance plans. All students with the STMU sponsored insurance plan also must pay a $10 co-payment when visiting physicians, medical clinics and specialists in the Texas True Choice Network with an additional $25 deductible (this applies only to covered services). Also, the Student Health Center is a fully staffed medical clinic, providing similar services to outside medical clinics where co-pays can range from $20 to $40 per visit depending on the insurance policy. 3. Why would a college student need Student Health Insurance? 4. What does Student Health Insurance cover? 5. What if I have my own insurance, can I visit the Student Health Center? Answer: Yes, all currently enrolled students can utilize the SHC but remember that some insurance plans expect you to see your “primary care physician” otherwise expenses at the SHC will not be reimbursable by your specific insurance plan. 7. Can I have the Student Health Insurance billed to my account? Answer: Yes, most students prefer the convenience of paying the health insurance premium through their account. 8. What are the ... Inquiries Regarding Insurance A comprehensive insurance database does not exist for motor vehicles registered in Alabama.http://www.revenue.alabama.gov/motorvehicle/mvforms/MLIBrochure.pdf. Insurance information is available only from the motorist involved in an accident or from the SR-13 report filed with the Department of Public Safety. Purchasing Insurance Contact an insurance company to purchase liability insurance for your motor vehicle. If you have problems buying insurance, ask your insurance agent about the Alabama Automobile Insurance Plan. The Department of Insurance regulates insurance companies, agencies and agents. In Alabama, all self-propelled motor vehicles operated on public highways must be covered by minimum liability insurance coverage. Operators who are stopped by law enforcement for driving violations or equipment checks and cannot provide the requested proof of vehicle liability insurance can be fined up to $500 for the first offense, and $1,000 for second and subsequent offenses. Owners must sign a statement at the time of registration affirming that their motor vehicles are insured as required by Alabama law. Then, insurance questionnaires are sent to randomly selected owners throughout the year. Questionnaire responses are forwarded to insurance companies for verification of coverage. The insurance card issued to the motor vehicle owner by his/her insurance company is the best proof of liability insurance. The insurance information provided in each response is forwarded to the appropriate insurance company for verification. If the owner did not have insurance on the verification date, the owner did not respond within 30 days, or the insurance company denied ... In July 2002, the GSA National Committee on Student Affairs (COSA) expressed a strong interest in assessing the adequacy of medical students’ options for health care and health, dental, professional liability, and disability insurance coverage.http://www.aamc.org/members/gsa/studenthealthcare.pdf. Since the GSA last investigated this issue in 1994, the committee believed it was appropriate that the GSA revisit healthcare and insurance issues. The following recommendations result from COSA’s review and discussion of summarized data derived from the August 2003 AAMC GSA Survey Regarding Student Healthcare and Insurance; review and discussion of the Organization of Student Representatives (OSR) recommendations regarding medical student healthcare and insurance derived from a 2003 OSR survey data; and discussions with members of the OSR Administrative Board about how best to address jointly the healthcare and insurance concerns of medical students, from the perspective of both students and student affairs administrators. 1. Medical schools should require that all students have an active health insurance policy. The rationale for this recommendation is supported by the American College Health Association Standards for Student Health Insurance. 2. Schools should document, on a periodic basis, the health insurance coverage for each active student. 3. The health insurance policy provided by the school should cover students when they are on approved rotations in another state. Students who withdraw or are dismissed from medical school, and who have prepaid for their health insurance, should be allowed to remain on the school’s policy for the remainder of the policy period. This ... These risks challenge the insurance companies foremost, but also open up oppor-tunities to develop innovative products and services to mitigate climate change risks.http://www.eurosif.org/content/download/796/4568/version/1/file/eurosif-sr_insurance.pdf. Innovative insurance products and services: some insurance companies have developed insurance protecting against the consequences of climate change: AXA has partnered with the World Food Program on a humanitarian insurance for droughts and other weather risks in developing countries. Product innovations supporting climate-friendly behaviour and techno-logies include pay-as-you-drive car insurance or property insurance with premium credits for green buildings (Aviva). This opens up new growth opportunities for Life Insurance, as a private supplement to public retirement schemes, and a growing demand for health insurance coverage. Life insurance as well as some casualty insurance companies attempt to single-out high-risk client groups in order to exclude them from coverage or differentiate the risk premiums. The losses are distributed between direct insurers and re-insurers depending on the specific contract conditions. Developing innovative insurance products or new business areas related to the management of environmental and social risks can even represent market opportunities for insurance companies. Exclusion of high-risk client groups from insurance coverage can cause public criticism and intervention, whereas the inclusion of specific risks will provide niche market opportunities for insurers. Examples include affordable insurance products for low-income households, such as affordable housing insurance schemes offered in the UK, ... INSURANCE INFORMATION This booklet is designed to assist you in learning how to work with your health insurance.http://www.clevelandclinic.org/all_about/pdf/section/aam_insurance_info.pdf. We know that this may not be a time that you are interested in thinking about your health insurance and costs, but it is important for you to have a good understanding of your insurance benefits and what they provide for you. Working on this now may help you get the best use of your insurance benefits and avoid problems in the future. You can learn about your health insurance and make it work for you. Our hope is that it will help you organize and better understand your insurance so that you can obtain and fund the services that your child needs. 1. Find your insurance card Your insurance card may have information on it that gives your policy number or identification number. The card may also list the name of the primary insured as well as all parties insured by this policy. If both members of a couple are insured, the primary insurance responsibility for a dependent’s health care costs is the insurer of the spouse whose birthday comes first in the calendar year except for Federal Insurers such as CHAMPUS or Medicaid. Birthday Rule – If both members of a couple are insured, the primary insurance responsibility for a dependent’s health care costs is the insurer of the spouse whose birthday comes first in the calendar year except for Federal insurers such as CHAMPUS or Medicaid. For example, if your insurance pays 80% of a service, your co-insurance is the remaining 20%. Primary Insurer – When dependents in a family are covered by more than one health insurance policy, this is the one that pays first. Traditional ... Long-term disability income insurance helps you pay living expenses while you are unable to work.http://www.pueblo.gsa.gov/cic_text/employ/lt-disability/insurance.pdf. With disability income insurance, you can avoid depleting the savings you may have accumulated for your children’s education or your retirement. This guide outlines the features and costs of individual disability income insurance and offers tips and a checklist on buying the policy right for you. Before purchasing an individual long-term disability income insurance policy, evaluate the benefits you may already be eligible to receive from your employer, the government, or other programs. Disability benefits from your employer may include workers’ compensation insurance for work-related injuries. For a longer illness, lasting six months or more, your employer may provide group long-term disability income insurance. • Automobile insurance benefits for a disability resulting from an auto accident. Long-term disability income insurance provides financial protection if you become disabled. If the total of these benefits is insufficient to pay your living expenses if you become disabled, or a disability would affect your long-term savings plan, consider buying an individual disability income insurance policy. Not all individual disability income insurance policies are alike. Benefits are taxed, however, if your employer pays for the disability insurance coverage. If you are uncertain about how long you will need the insurance, a policy with premiums that increase with age may be the better choice. An online resource for contact information is www.naic.org, the Web site for the National Association ... No work shall commence on the CSU Bakersfield campus or CSU Bakersfield Antelope Valley campus until the proper insurance certificates and endorsements required in this Article have been received by CSUB’s Office of Procurement and said certificates and endorsements have been approved by the Trustees of the California State University.http://www.csub.edu/BAS/fiscal/procurement/documents/INSURANCE_REQUIREMENTS.pdf. Comprehensive or Commercial Form General Liability Insurance: on an occurrence basis, covering work done or to be done by or on behalf of the Contractor and providing insurance for bodily injury, personal injury, property damage, and contractual liability. 2. Business Automobile Liability Insurance: on an occurrence basis, covering owned, hired, and non-owned automobiles used by or on behalf of the Contractor and providing insurance for bodily injury, property damage, and contractual liability. Such insurance shall include coverage for uninsured and underinsured motorists 3. Worker's Compensation including Employers Liability Insurance: as required by law. Environmental Impairment Liability Insurance: should the work involve hazardous materials, such as asbestos, lead, fuel storage tanks, and PCBs. 2. The Contractor shall submit certificates of insurance and original endorsements to the policies of insurance required by the contract to the Trustees as evidence of the insurance coverage. The scope of coverage and deductible shall be shown on the certificate of insurance. The certificates of insurance and endorsements shall provide for no cancellation or modification of coverage without thirty days written notice to the Trustees. B. For any claims related to the work, the Contractor’s ... The purpose of this guide is to provide insurance companies with the necessary information to comply with Nebraska’s Insurance Database Program.http://www.dmv.state.ne.us/dvr/pdf/reportguide.pdf. The goal of the Nebraska Insurance Database Program is to allow the electronic verification of insurance at the time of renewal of vehicle registrations. The electronic verification will be a benefit to those customers who choose to renew in-person or through the mail and fail to provide their certificate of insurance card. The system mandates all required and optional insurance companies (see Required/Optional Reporting on page 2) to provide liability insurance policy data monthly to Nebraska Online no later than the 10th working day of the month and no sooner than the 5th working day of the month. Once the data is processed and accepted by the DMV the liability insurance policy data will be matched to the corresponding vehicle using the Vehicle Identification Number (VIN) and forwarded to the appropriate county vehicle database. When the customer contacts their County Treasurer for renewal of their vehicle registration, the system will allow processing without further verification of insurance or will return the message “Information Unavailable, Review of Insurance Card Required”. The following shall be excluded from reporting to the insurance data base system: Any common, contract or private carrier of property by motor vehicles in interstate commerce that is registered with the Department of Motor Vehicles, Division of Motor Carrier Services; Any person who qualifies as a self-insurer; An insurance company or group of insurance companies under the same ownership ... | |
