Supplemental insurance

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  • The Government plays an important role in ensuring that insurance services can generate benefits. In developed countries, the Government’s key role is to act as a regulator to ensure security and stability in the sector. In developing countries, it also has the role of providing insurance services as a public good. Developing countries seek to establish efficient domestic regulatory frameworks as a prerequisite for insurance service privatization and liberalization.

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  • The Affordable Care Act provides States with significant flexibility in the design and operation of their Exchange to best meet the unique needs of their citizens and their marketplace. States can choose to operate as a State-based Exchange, or the Secretary of the Department of Health & Human Services (HHS) will establish and operate a Federally-facilitated Exchange in any State that does not elect to operate a State-based Exchange.

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  • While much of this recent literature has focused on how the amount of insurance varies across different worker and employer groups, the role of collective bargaining has received somewhat less attention. 2 The scant evidence on collective bargaining is particularly surprising as the role of trade unions as an insurance device has long been emphasised by researchers. The general argument here is that union may mitigate the enforcement problems that arise within risk-sharing agreements between workers and their employers (e.g., Horn and Svensson 1986, Malcolmson 1983).

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  • The data we use to address these questions are taken from a large-scale matched worker-firm data set for Germany, the IAB Linked Employer-Employee data set (LIAB). This data set links the IAB-Establishment Panel with individual data for the entire population of workers from the Employment Statistics Register. Due to its administrative nature, one of the major advantages of this data set is that it offers very reliable information on individual daily wages inclusive of supplemental pay as long as such pay is subject to social security contributions.

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  • Congress established a standing disaster program in the 2008 farm bill— the Supplemental Revenue Assistance Payments Program. Under this program, Congress funded a $3.8 billion permanent trust fund and directed the Secretary of Agriculture to make crop disaster assistance payments to eligible farmers who suffer crop losses on or before September 30, 2011. USDA—through FSA—began making disaster payments under this program in early 2010 for crop losses incurred in 2008.

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  • Whether you should buy a long-term care insurance policy will depend on your age, health status, overall retirement goals, income and assets. For instance, if your only source of income is a Social Security benefit or Supplemental Security Income (SSI), you probably shouldn’t buy long-term care insurance, as you may not be able to afford the premium. On the other hand, if you have a large amount of assets but don’t want to use them to pay for long-term care, you may want to buy a long-term care insurance policy.

    pdf32p thangbienthai 23-11-2012 21 5   Download

  • 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 renal disease).

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  • In some contracts with deductibles, the insurer pays the full claim then seeks reimbursement from the insured for the deductible portion of the contract. In some jurisdictions, such arrangements are also known as “large deductibles”. The resulting policy premium for such large deductible policies is expected to be smaller than if no deductible existed. Different accounting systems may choose to treat the premium reduction due to the deductible credit differently.

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  • If you notice additional damage to your Building Property or Personal Property after filing your claim, you may file a Supplemental Claim.This means, essentially , that you must repeat the documentation and filing process for your original claim, including a Proof of Loss—but only for the newly discovered damage. Supplemental Claims should start with immediately notifying your adjuster , agent and/or company representative. Once you have completed documentation, present it to your adjuster who may need to make another property visit to verify your loss....

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  • Crop insurance and other government programs for farmers are also linked via disaster programs. The Supplemental Revenue Assistance Payments Program (SURE) requires the purchase of crop insurance for program eligibility. 24 For participation in commodity programs listed above, there is no crop insurance requirement.

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  • Many analysts also contend that credit scores, which weigh items that signify financial distress or limited availability of credit, are correlated with minority status. Significant debate has continued about lending practices that restrict access to credit in minority communities—a factor that could have a significant impact on insurance-based credit scores.

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  • The CSS PROFILE is used primarily by expensive private schools to determine your true ability to pay. In addition to using the FAFSA to determine an initial EFC, private schools use the PROFILE to look for supplemental sources of funding. For instance, colleges requiring the PROFILE will ask about home equity and treat it as a legitimate source for funding college, whereas colleges requiring only the FAFSA do not.

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  • The need for a money market arises because receipts of economic units do not coincide with their expenditures. These units can hold money balances—that is, transactions balances in the form of currency, demand deposits, or NOW accounts—to insure that planned expenditures can be maintained independently of cash receipts. Holding these balances, however, involves a cost in the form of foregone interest. To minimize this cost, economic units usually seek to hold the minimum money balances required for day-to- day transactions.

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  • It is estimated that 30-35 million people are engaged in livestock related activities and generate 30-40% of their income from livestock enterprises. This supplemental income is very significant in view of the tendency of the declining size of ownership holdings in agriculture and the growing number of the landless in the rural economy. Livestock enterprises are particularly important for the landless and small farmers because livestock provides an alternative form of asset ownership, independent of land.

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  • Dr. Eisenberg further states, "The magnitude of the demand for alternative therapy is noteworthy, in light of the relatively low rates of insurance coverage for these services.” The study goes on to suggest that “federal agencies, private corporations, foundations and academic institutions adopt a more pro-active posture concerning the implementation of clinical and basic science research, the development of relevant dietary supplements.”.

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