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    Workers Compensation

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    Workers’ compensation, or worker’s comp, is a type of insurance that is purchased by employers for the coverage of employment-related injuries and illnesses. The primary objective of workers’ comp is to provide compensation to employees who sustain job-related illnesses or injuries. Workers comp benefits preclude the employee from suing his or her employer for the illness or injuries sustained. The main goal of workers' compensation laws is to provide occupationally ill or injured employees…

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    Memo On Long Term Care

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    Development FROM: Haoming Cao, Actuary DATE: Feb. 12, 2017 SUBJECT: A Promising New Product - Long-term Care Insurance Recent conference discusses a new insurance product, the Long-term Care Insurance. In this memo, I will present the basic features and the future market of this promising new product to you as a reference. Basic Features of Long-term Care Insurance Long-term care insurance is designed to cover the expense of long-term care (LTC) services for the insured who is unable to…

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    Recent Changes in Medicare Medicare is federal health insurance program that helps 65 and older patients or younger adults with disabilities and anyone with certain diseases. Medicare is always changing and sometimes those changes can affect you with more severe changes to the program. If you are eligible for Medicare your enrollment period will begin 3 months before your 65th birthday and applying online will save you time and money so it is best to apply online. There are different types of…

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    Families that are financially strained, often times do not include disability insurance in their monthly budgets. The decision to allocate this insurance into their budget is pertinent, not only important to their future, but their families as well. It is highly recommend that individuals who are self-employed or have a hazardous occupation purchase disability insurance. Disability insurance policies provide an alternate income should you find yourself unable to work due to illness or injury.…

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    How to Choose Your Landscaping Company Your lawn represents your home. It is the first thing people see when visiting, and one of the most noticeable things when driving in front of your home. Therefore, you want to make sure that you keep proper care of your lawn. If you don't have time you can find it hard to keep up with the maintenance. If you have this issue you should contact a landscaping company in your area. Below are some things to look for when picking out landscaping in Chesapeake,…

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    because the government is the only way they can truly afford it. Yet, this is the very reason we should eliminate the government’s role in healthcare. By giving power to private insurance companies, prices become competitive in the market. Buyers will have multiple companies to look to for medical options, and because no insurance company wants to go out of business, they will keep their prices low to attract buyers. This will allow families from all income levels to afford the healthcare of…

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    Insurance coverage can be safety versus any kind of loss. Various kinds Cover can be purchased in current market such as Auto insurance, Medical health insurance. Medical health insurance procedures buy your own just about all medical bills. These kind of insurance coverage actual covers long lasting breastfeeding or perhaps any kind of afflictions. Health and fitness cover are given by simply government industries or perhaps by simply individual corporations. These kind of well being procedures…

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    There are several different levels of plans provided by Blue Cross Blue Shield Health Insurance as outlined by HealthCare.gov, a federally run website that provides insurance exchange programs under the Patient Protection and Affordable Care Act enacted in 2010. These various different levels of plans grow increasingly more specific and therefore more expensive as you acquire insurance with better coverage. Evaluation of the least inclusive and therefore least expensive plan, Blue Cross and…

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    Affordable Care Act. Unlike the previous two open enrollments, people are more aware of the tax penalty for not having health insurance. That being said, we anticipated those uninsured would make appointments prior to November 1st to ensure their spots during open enrollments. I think a high percentage on those who made appointments filled them. They either enrolled in an insurance plan or qualified for an exemption to “exempt” them from paying the tax penalty. Unplanned and Successful-…

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    and pay for insurance, and if the individuals opt out when buying the insurance, should they pay a fine? II. The Facts: A. Clinical: A twenty-nine year old male is employed at a small consulting business as the business’s IT Specialist. The company had fifteen employees and did not provide health insurance; most of the employees were young and healthy. With the Affordable Care Act implemented, the young male was going to be required to buy health insurance from the state’s insurance exchange or…

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