Based on results of the 2008 Family Health Survey, the majority of Wisconsin residents in 2008 had
health insurance for the entire past year. That is, they were continuously covered during the 12 months
prior to the survey interview. An estimated 4,868,000 residents (89%) were insured for all of the past 12
An estimated 319,000 Wisconsin household residents (6%) had no health insurance of any kind during
the past 12 months. Another 276,000 residents (5%) had health insurance for part of the year and were
uninsured for part of the year. Together, an estimated...
This book is written for you if you're wondering if you're making the right choices about your money. Maybe
you have a job that pays good money, a family, a car, and a homethe whole American dream.
Or maybe you're starting up a business of your own and trying to find the funds to make it successful while still
providing for your family. Or maybe you're trying to pay off a mortgage while at the same time saving money to
go back to school to boost your career. Or maybe you'd love to play the stock market but don't know where to get
Someone with a physical illness or disability often needs hands-on or
stand-by assistance with activities of daily living (see page 19). People
with cognitive impairments usually need supervision, protection or verbal
reminders to do everyday activities. The way long-term care services are
provided is changing. Skilled care and personal care are still the terms used
most often to describe long-term care and the type or level of care you
Medicaid and the S-CHIP provide coverage to certain low-income populations that meet eligibility requirements.
The programs play a particularly important role for children, aiming to cover nearly all low-income uninsured
children. The role of Medicaid for adults is far more limited however, covering only some low-income parents
and disabled individuals, leaving most childless adults ineligible, regardless of how poor they are. Recent
growth in Medicaid and S-CHIP enrollment of children has filled in the sizable gap created by decreased
employer-sponsored insurance since 2000.
If you have been divorced, your former wife or husband
who is age 60 or older (50-59 if disabled) can get benefits
if your marriage lasted at least 10 years. Your former
spouse, however, does not have to meet the age or length-
of-marriage rule if he or she is caring for his/her child who
is younger than age 16 or who is disabled and also entitled
based on your work. The child must be your former spouse’s
natural or legally adopted child.
Benefits paid to you as a surviving divorced spouse who
meets the age or disability requirement as a widow...
In addition to this, health measures
typically used in empirical studies may be affected by endogenous reporting behaviour. The outcome of a
direct question to an individual’s health status may depend on the labour market status of the respondent.
There may be economic motives or it may be the case that individual’s are inclined to give their answer
conform to social norms. Reporting health as a major determinant for inactivity is socially more accepted,
and eligibility conditions for some Social Security Benefits, notably Disability Insurance ...
Insurance companies that sell long-term care insurance generally pay
benefits using one of three different methods: the expense-incurred
method, the indemnity method, or the disability method. It is important to
read the literature that accompanies your policy (or certificate for group
policies) and to compare the benefits and premiums.
When the expense-incurred method is used, the insurance company must
decide if you are eligible for benefits and if your claim is for eligible
services. Your policy or certificate will pay benefits only when you receive
Our expectations of firms operating in this market have been published on several
occasions and the questions used in the mystery shopping relate to ICOB and
TCF requirements for a PPI sale. Our standard for each issue is therefore 100%
compliance and is illustrated in the following diagram by the solid blue line
around the outside of the chart.
Findings against each question have been plotted on the diagram, the solid line joins up
the average result of all the shops (as a percentage).
When the indemnity method is used, the benefit is a set dollar amount. The
benefit is not based on the specific services received or on the expenses
incurred. The insurance company only needs to decide if you are eligible for
benefits and if the services you are receiving are covered by the policy.
Once the company decides you are eligible and you are receiving eligible
long-term care services, the insurance company will pay that set amount
directly to you up to the limit of the policy.
When the disability method is used, you are only required to meet the
benefit eligibility criteria.
Under the ADA, service animals must be harnessed, leashed, or tethered, unless these devices
interfere with the service animal’s work or the individual’s disability prevents him from using
these devices. Individuals who cannot use such devices must maintain control of the animal
through voice, signal, or other effective controls. Businesses may exclude service animals only
if 1) the dog is out of control and the handler cannot or does not regain control; or 2) the dog is
Someone with a prolonged physical illness, a disability or a cognitive
impairment (such as Alzheimer’s disease) often needs long-term care.
Many different services help people with chronic conditions overcome
limitations that keep them from being independent. Long-term care is
different from traditional medical care. Long-term care helps one live as he
or she is now; it may not help to improve or correct medical problems.
The Deficit Reduction Act of 2005 provided SSA with the authority to conduct pre-effectuation
reviews (PER) for favorable initial SSI adult blindness or disability determinations. SSA started
conducting these reviews in April 2006. They are conducted before the individual is awarded
benefits and are done to ensure the accuracy of the determinations made by state agencies.
The Social Security Disability Insurance (DI) program already required PERs, but prior to this
legislation only SSI adult disability claims involving concurrent SSI/DI claims were subject to
Chapter 9 - Health and disability income insurance. In this chapter, you will learn to: Recognize the importance of health insurance in financial planning, analyze the costs and benefits of various types of health insurance coverage as well as major provisions in health insurance policy, assess the trade-offs of different health insurance plans.
Producers are also avid users of social media. Historically, producers have networked within a defined
geographic territory. Because people generally only buy from producers they trust, developing trust has
generally meant face-to-face interaction. However, as people grow more accustomed to trusting
relationships developed online, producers who excel at developing such relationships will likely pursue
licenses and sales opportunities outside traditional geographic areas.
In addition to the traditional FFS Medicare or Medicare
Managed Care (MMC) insurance, many elderly buy supplemental
insurance policies to cover prescription drugs
or catastrophic expenses. These supplemental policies are
known as MediGap plans, because they help fill gaps in
the available health insurance coverage. Some Medicare
beneficiaries are dual eligibles – covered by both Medicare
(health insurance for the aged) and Medicaid (health
insurance for the poor with chronic disabilities or endstage
The insurance industry provides leadership in several key areas to address auto theft.
Information provided to customers creates awareness and prompts practices that
deter and prevent auto theft. Some companies offer discounts for car alarms and
tracking and disabling devices. According to the National Association of Insurance
Commissioners, laws in nine states require insurers to provide discounts on base
rates for comprehensive insurance for antitheft devices.
New financing strategies can go only so far if existing constraints are not ad-
dressed. System transformation will require a major reorganization of the cat’s-
cradle of federal funding streams: Title IV (ChildWelfare); Title V (Maternal and
Child Health); Title XIX (Medicaid); Title XXI (the State Children’s Health Insur-
Behind, the Individuals with Disabilities Education Act (IDEA), and other pro-
grams that are allocated from the Department of Education. This will not be an
We do the research that identifies causes of
disease and disability. We advocate for solutions.
We consult with policymakers and
provide them with the evidence they need
to make change. We roll our sleeves up and
get to work in communities by influencing
policies, identifying trends, implementing
solutions, and increasing healthy behavior.
Our work happens on a molecular level, and
on a population-wide level. Microbiologists
work to find a vaccine for malaria, while
behavioral scientists research ways to
discourage populations from smoking.