...-0008] RIN 0563-AC35 Common Crop Insurance Regulations; Pecan Revenue Crop Insurance Provisions AGENCY... Corporation (FCIC) proposes to amend the Common Crop Insurance Regulations, Pecan Revenue Crop Insurance... Regulations (7 CFR part 457) by revising Sec. 457.167 Pecan Revenue Crop Insurance Provisions, to be effective...
... to: (1) Theft; or (2) Inability to market the avocados for any reason other than actual physical... Crop Insurance Regulations; Florida Avocado Crop Insurance Provisions AGENCY: Federal Crop Insurance... Common Crop Insurance Regulations; Florida Avocado Crop Insurance Provisions to convert the Florida...
...-0008] RIN 0563-AC35 Common Crop Insurance Regulations; Pecan Crop Insurance Provisions; Correction... FR 13454-13460). The regulation pertains to the insurance of Pecans. DATES: Effective Date: June 5...: [[Page 33691
...-0006] RIN 0563-AC32 Common Crop Insurance Regulations; Fresh Market Tomato (Dollar Plan) Crop... Insurance Corporation (FCIC) finalizes the Common Crop Insurance Regulations, Fresh Market Tomato (Dollar... Common Crop Insurance Regulations (7 CFR part 457), Fresh Market Tomato (Dollar Plan) Crop Provisions...
... (protection for production losses only) within one Basic Provisions and the applicable Crop Provisions to..., Macadamia Nut Crop Insurance Provisions, Onion Crop Insurance Provisions, Dry Pea Crop Insurance Provisions... (protection for production losses only) and revenue protection (protection against loss of revenue caused by...
... definition of ``crop year'' by removing the term ``citrus'' and adding the term ``insured'' in its place; 0 v... is planning to replace the category of ``type'' in the actuarial documents with four categories named... category of ``practice'' in the actuarial documents with four categories named ``cropping practice...
... planting period may be deemed appropriate and actuarially sound. No change has been made in the final rule... in the table for crops in the Crop Insurance Handbook (CIH). Response: The option for providing a...
... meaning of the definition to allow a choice of either four or six years of sales records to be used to... adding ``2014'' in its place; 0 b. In section 1 by: 0 i. Revising the definitions of ``approved average... Provisions for the 2013 crop year by changing the definition of two-year coverage module to one crop year...
... higher first stage production guarantee for most onion producing areas. Also, a contracted onion crop... for the damaged onion acreage, then any later appraised unharvested production or harvested production...'', ``Onion production'', ``Production guarantee (per acre)'', ``Storage onions'', ``Topping'', ``Transplanted...
... authorizes FCIC to waive collection of administrative fees from limited resource farmers. FCIC believes this... recommended that due to lack of records in a new orchard (or transferred orchards) and along with the desire of producers to insure fruit for fresh production, a new eligible producer or a new orchard, should...
... resource farmers. FCIC believes this waiver helps to ensure that small entities are given the same... spacing for the producer to carry out recommended orchard management practices. Comment: A commenter... insurance period (e.g., a planned orchard renovation). Therefore, the producers should be able to timely...
... fees from limited resource farmers. FCIC believes this waiver helps to ensure that small entities are... farmers. FCIC is proposing to change the term ``citrus fruit crop'' to ``citrus fruit commodity'' and to.... Abandoned orchards harbor disease and insects, which without proper control measures and remediation efforts...
... to add ``strawberries'' in section 9(b)(3) to the list of crops that require soil fumigation before planting fresh market tomatoes. Strawberries are susceptible to nematode damage and pose the same risk of... sections 9(b)(1) and (2)), peppers, eggplants, strawberries or tobacco have been grown and the soil was not...
Full Text Available The issue of crop protection is very important because of a variety of risks that could cause difficult consequences. One type of risk protection is insurance. The author in the paper states various models of insurance in some EU countries and the systems of subsidizing of insurance premiums by state. The author also gives a picture of crop insurance in the U.S., noting that in this country pays great attention to this matter. As for crop insurance in Serbia, it is not at a high level. The main problem with crop insurance is not only the risks but also the way of protection through insurance. The basic question that arises not only in the EU is the question is who will insure and protect crops. There are three possibilities: insurance companies under state control, insurance companies that are public-private partnerships or private insurance companies on a purely commercial basis.
... 7 Agriculture 6 2010-01-01 2010-01-01 false Northern potato crop insurance provisions. 457.142... INSURANCE CORPORATION, DEPARTMENT OF AGRICULTURE COMMON CROP INSURANCE REGULATIONS § 457.142 Northern potato crop insurance provisions. The Northern Potato Crop Insurance Provisions for the 2008 and succeeding...
... 7 Agriculture 6 2010-01-01 2010-01-01 false Blueberry crop insurance provisions. 457.166 Section... CORPORATION, DEPARTMENT OF AGRICULTURE COMMON CROP INSURANCE REGULATIONS § 457.166 Blueberry crop insurance provisions. The Blueberry Crop Insurance Provisions for the 2005 and succeeding crop years are as follows...
... 7 Agriculture 6 2010-01-01 2010-01-01 false Almond crop insurance provisions. 457.123 Section 457... CORPORATION, DEPARTMENT OF AGRICULTURE COMMON CROP INSURANCE REGULATIONS § 457.123 Almond crop insurance provisions. The Almond Crop Insurance Provisions for the 2008 and succeeding crop years are as follows: FCIC...
... 7 Agriculture 6 2010-01-01 2010-01-01 false Nursery crop insurance provisions. 457.162 Section 457... CORPORATION, DEPARTMENT OF AGRICULTURE COMMON CROP INSURANCE REGULATIONS § 457.162 Nursery crop insurance provisions. The Nursery Crop Insurance Provisions for the 2006 and succeeding crop years are as follows: FCIC...
... 7 Agriculture 6 2010-01-01 2010-01-01 false Potato crop insurance-certified seed endorsement. 457... INSURANCE CORPORATION, DEPARTMENT OF AGRICULTURE COMMON CROP INSURANCE REGULATIONS § 457.145 Potato crop insurance—certified seed endorsement. The Potato Crop Insurance Certified Seed Endorsement Provisions for...
... type designated in the actuarial documents. The price elections you choose for each type must have the... CORPORATION, DEPARTMENT OF AGRICULTURE COMMON CROP INSURANCE REGULATIONS § 457.169 Mint crop insurance... produces new mint plants at its tips or nodes. Type. A category of mint identified as a type in the Special...
... types, in the county for which a premium rate is provided by the actuarial documents: (a) In which you... CORPORATION, DEPARTMENT OF AGRICULTURE COMMON CROP INSURANCE REGULATIONS § 457.138 Grape crop insurance... avoirdupois. Type. A category of grapes (one or more varieties) identified as a type in the Special Provisions...
... INSURANCE CORPORATION, DEPARTMENT OF AGRICULTURE COMMON CROP INSURANCE REGULATIONS § 457.117 Forage..., or a mixture thereof, or other species as shown in the Actuarial Documents. Harvest—Removal of forage... different price elections by type, in which case you may select one price election for each forage type...
Meuwissen, M.P.M.; Molnar, T.A.
Worldwide, extreme climate risks cause stakeholders in food supply chains to search for new risk management tools. In Australia, recently so-called crop yield simulation insurance has been introduced based on an integrated agrometeorological simulation model. Current uptake is relatively low,
Deryugina, Tatyana; Konar, Megan
Agricultural production remains particularly vulnerable to weather fluctuations and extreme events, such as droughts, floods, and heat waves. Crop insurance is a risk management tool developed to mitigate some of this weather risk and protect farmer income in times of poor production. However, crop insurance may have unintended consequences for water resources sustainability, as the vast majority of freshwater withdrawals go to agriculture. The causal impact of crop insurance on water use in agriculture remains poorly understood. Here, we determine the empirical relationship between crop insurance and irrigation water withdrawals in the United States. Importantly, we use an instrumental variables approach to establish causality. Our methodology exploits a major policy change in the crop insurance system - the 1994 Federal Crop Insurance Reform Act - which imposed crop insurance requirements on farmers. We find that a 1% increase in insured crop acreage leads to a 0.223% increase in irrigation withdrawals, with most coming from groundwater aquifers. We identify farmers growing more groundwater-fed cotton as an important mechanism contributing to increased withdrawals. A 1% increase in insured crop acreage leads to a 0.624% increase in cotton acreage, or 95,602 acres. These results demonstrate that crop insurance causally leads to more irrigation withdrawals. More broadly, this work underscores the importance of determining causality in the water-food nexus as we endeavor to achieve global food security and water resources sustainability.
Full Text Available Crop insurance is one of the most important types of agricultural insurance. From the aspect of insurance technique, this insurance is very challenging and requires careful drafting of insurance terms and tariffs. This type of insurance can provide security to farmers in case of financial losses caused by numerous risks which they are exposed to. Insufficient knowledge of the opportunities that the insurance provides is caused in part by inaccurate and vague explanations that have been offered by insurers in negotiation stage to interested farmers. In this regard, an important novelty in Serbian law is the obligation of contractual information which was introduced by the new Insurance Law (IL. In this way, additional protection to users of the service of insurance in relation to the provisions of the obligation law is provided. The goal of this obligation is to allow a negotiator to gain a clear idea of the essential elements of the insurance contract, to consider the proposed coverage and make a reasonable decision whether to accept the conclusion of the insurance contract or not, i.e. under what conditions it should be concluded. Sanctions for failure in the obligation to inform act preventively and repressively on insurers. The aim of this study is analyse the legal and factual position of the service beneficiaries in terms of obligation of economically and experientially superior contractor of lawful and full information of a policyholder prior to the conclusion of an insurance contract in a very specific branch of insurance, such as crop insurance. The application of inductive-deductive and comparative-legal research method, points to certain doctrinal and normative solutions from other legal systems, legal provisions applicable in the law of the Republic of Serbia are critically set out, as well as the daily practice of insurance companies.
... 7 Agriculture 6 2010-01-01 2010-01-01 false Northern potato crop insurance-storage coverage... Northern potato crop insurance—storage coverage endorsement. The Northern Potato Crop Insurance Storage... for insurance provider) Both FCIC and reinsured policies: Northern Potato Crop Insurance Storage...
... 7 Agriculture 6 2010-01-01 2010-01-01 false Fresh market pepper crop insurance provisions. 457.148... pepper crop insurance provisions. The fresh market pepper crop insurance provisions for the 1999 and... Fresh Market Pepper Crop Provisions If a conflict exists among the policy provisions, the order of...
... 7 Agriculture 6 2010-01-01 2010-01-01 false Fresh market sweet corn crop insurance provisions. 457... sweet corn crop insurance provisions. The fresh market sweet corn crop insurance provisions for the 2008... Reinsured Policies Fresh Market Sweet Corn Crop Provisions 1. Definitions Allowable cost.—The dollar amount...
... 7 Agriculture 6 2010-01-01 2010-01-01 false Northern potato crop insurance-quality endorsement... Northern potato crop insurance—quality endorsement. The Northern Potato Crop Insurance Quality Endorsement...) Both FCIC and reinsured policies: Northern Potato Crop Insurance Quality Endorsement 1. Definitions...
McCormick, Kes; Nilsson, Helen; Tomescu, Mihail [Lund Univ. (Sweden). International Inst. for Industrial Environmental Economics (IIIEE)
The Biomass Action Plan (BAP) for Europe outlines how to achieve the targets for bioenergy and energy crops defined by the European Commission and member states. However, it is the Common Agricultural Policy (CAP) that shapes the utilisation of agricultural land. This paper therefore reviews the supportive measures for energy crops in recent CAP reforms and investigates the effects on farmers in 'real-life' case studies from Sweden, Italy and Austria. This paper explores if the recent CAP reforms are sufficient to motivate farmers to cultivate energy crops; identifies the barriers and drivers for energy crops from the perspective of farmers; and suggests how to enhance supportive measures in the CAP to overcome barriers and complement the BAP.
Extreme weather events such as late frosts, droughts, heat waves and rain storms can have devastating effects on cropping systems. Damages due to extreme events are strongly dependent on crop type, crop stage, soil type and soil conditions. The perspective of rising risk-exposure is exacerbated further by limited aid received for agricultural damage, an overall reduction of direct income support to farmers and projected intensification of weather extremes with climate change. According to both the agriculture and finance sectors, a risk assessment of extreme weather events and their impact on cropping systems is needed. The impact of extreme weather events particularly during the sensitive periods of the farming calendar requires a modelling approach to capture the mixture of non-linear interactions between the crop, its environment and the occurrence of the meteorological event. The risk of soil moisture deficit increases towards harvesting, such that drought stress occurs in spring and summer. Conversely, waterlogging occurs mostly during early spring and autumn. Risks of temperature stress appear during winter and spring for chilling and during summer for heat. Since crop development is driven by thermal time and photoperiod, the regional crop model REGCROP (Gobin, 2010) enabled to examine the likely frequency, magnitude and impacts of frost, drought, heat stress and waterlogging in relation to the cropping season and crop sensitive stages. The risk profiles were subsequently confronted with yields, yield losses and insurance claims for different crops. Physically based crop models such as REGCROP assist in understanding the links between different factors causing crop damage as demonstrated for cropping systems in Belgium. Extreme weather events have already precipitated contraction of insurance coverage in some markets (e.g. hail insurance), and the process can be expected to continue if the losses or damages from such events increase in the future. Climate
... generally in use in the county for the crop to have normal growth and vigor, and are those recognized by the... in any form of alternating or mixed pattern. Irrigated practice. A method by which the normal growth and vigor of the insured trees is maintained by artificially applying adequate quantities of water...
... 7 Agriculture 10 2010-01-01 2010-01-01 false Crop insurance requirement. 1405.6 Section 1405.6 Agriculture Regulations of the Department of Agriculture (Continued) COMMODITY CREDIT CORPORATION, DEPARTMENT... sentence, if the total expected liability under the catastrophic risk protection endorsement is equal to or...
Moriondo, Marco; Ferrise, Roberto; Bindi, Marco
Crop yield insurance has been indicated as a tool to manage the uncertainties of crop yields (Sherrick et al., 2004) but the changes in crop yield variability as expected in the near future should be carefully considered for a better quantitative assessment of farmer's revenue risk and insurance values in a climatic change regime (Moriondo et al., 2011). Under this point of view, mechanistic crop growth models coupled to the output of General/Regional Circulation Models (GCMs, RCMs) offer a valuable tool to evaluate crop responses to climatic change and this approach has been extensively used to describe crop yield distribution in response to climatic change considering changes in both mean climate and variability. In this work, we studied the effect of a warmer climate on crop yield distribution of durum wheat (Triticum turgidum L. subsp durum) in order to assess the economic significance of climatic change in a risk decision context. Specifically, the outputs of 6 RCMs (Tmin, Tmax, Rainfall, Global Radiation) (van der Linden and Mitchell 2009) have been statistically downscaled by a stochastic weather generator over eight sites across the Mediterranean basin and used to feed the crop growth model Sirius Quality. Three time slices were considered i) the present period PP (average of the period 1975-1990, [CO2]=350 ppm), 2020 (average of the period 2010-2030, SRES scenario A1b, [CO2]=415 ppm) and 2040 (average of the period 2030-2050, SRES scenario A1b, [CO2]=480 ppm). The effect of extreme climate events (i.e. heat stress at anthesis stage) was also considered. The outputs of these simulations were used to estimate the expected payout per hectare from insurance triggered when yields fall below a specific threshold defined as "the insured yield". For each site, the threshold was calculated as a fraction (70%) of the median of yield distribution under PP that represents the percentage of median yield above which indemnity payments are triggered. The results
... 7 Agriculture 6 2010-01-01 2010-01-01 false Northern potato crop insurance-processing quality... Northern potato crop insurance—processing quality endorsement. The Northern Potato Crop Insurance.... Definitions Broker. Any business enterprise regularly engaged in the buying and selling of processing potatoes...
Castañeda-Vera, A.; Saa-Requejo, A.; Mínguez, I.; Garrido, A.
Analysis of yield gaps were conducted in the context of crop insurance and used to build an indicator of asymmetric information. The possible influence of asymmetric information in the decision of Spanish wheat producers to contract insurance was additionally evaluated. The analysis includes simulated yield using a validated crop model, CERES-Wheat previously selected among others, whose suitability to estimate actual risk when no historical data are available was assessed. Results suggest that the accuracy in setting the insured yield is decisive in farmers’ willingness to contract crop insurance under the wider coverage. Historical insurance data, when available, provide a more robust technical basis to evaluate and calibrate insurance parameters than simulated data, using crop models. Nevertheless, the use of crop models might be useful in designing new insurance packages when no historical data is available or to evaluate scenarios of expected changes. In that case, it is suggested that yield gaps be estimated and considered when using simulated attainable yields.
Castañeda-Vera, A.; Saa-Requejo, A.; Mínguez, I.; Garrido, A.
Analysis of yield gaps were conducted in the context of crop insurance and used to build an indicator of asymmetric information. The possible influence of asymmetric information in the decision of Spanish wheat producers to contract insurance was additionally evaluated. The analysis includes simulated yield using a validated crop model, CERES-Wheat previously selected among others, whose suitability to estimate actual risk when no historical data are available was assessed. Results suggest that the accuracy in setting the insured yield is decisive in farmers’ willingness to contract crop insurance under the wider coverage. Historical insurance data, when available, provide a more robust technical basis to evaluate and calibrate insurance parameters than simulated data, using crop models. Nevertheless, the use of crop models might be useful in designing new insurance packages when no historical data is available or to evaluate scenarios of expected changes. In that case, it is suggested that yield gaps be estimated and considered when using simulated attainable yields.
Coleman, Jane A.; Shaik, Saleem
This study examines how federal farm policies, specifically crop insurance, have affected the farm economic structure of North Dakota’s agriculture sector. The system of derived input demand equations is estimated to quantify the changes in North Dakota farmers’ input use when they purchase crop insurance. Further, the cumulative rolling regression technique is applied to capture the varying effects of the farm policies over time. Empirical results from the system of input demand functions in...
.... Section 1--Definitions Comment: A few commenters stated the definition of ``damaged apple production... Grade, marketing orders, etc.). Response: The definition of ``grade standards'' has language referencing... definition of ``fresh apple production'' stating policyholders must ``follow the recommended cultural...
... production sold, and the price. Acceptable fresh fruit sales records may include: Trip tickets, pack-out... acceptable fresh fruit sales records must be provided upon request from at least one of the previous three... provision in section 3(c) changes the deadline from sales closing date to acreage reporting date and would...
... regarding the definition of ``onion production.'' The commenters stated FCIC proposed removing the phrase... it will mean that onions that are too small to recover could be considered ``onion production.'' The definition of ``damaged onion production'' includes onions that do not meet certain grade standards. The...
... production will be considered as a single processor contract, unless the contracts are for different types... ``processor contract'' regarding different base contract prices on multiple contracts with the same processor... follows: 0 a. Amend the introductory text by removing ``1998'' and adding ``2014'' in its place; 0 b...
...: Director, Product Administration and Standards Division, Risk Management Agency, United States Department... Administration and Standards Division, Risk Management Agency, United States Department of Agriculture, Beacon... required to submit a notice of loss and production information to determine the amount of an indemnity...
... citrus fruit group for Valencia oranges, you may choose seventy-five percent (75%) of the maximum price... lemons (Imperial, Orange, Riverside, San Bernardino, San Diego, and Ventura Counties).'' The commenters... Coastal counties produce lemons that bloom up to three times per year due to their moderate growing...
... farming operation. For instance, all producers are required to submit an application and acreage report to... price data from third party sources (e.g., Agricultural Marketing Service) for sweet corn grown under..., it was found that the base contract price more accurately reflects the value of processing sweet corn...
... resource farmers. FCIC believes this waiver helps to ensure that small entities are given the same... for the producer to carry out recommended orchard management practices and to determine the number of... in the Special Provisions); (4) Are grown in an orchard that, if inspected, is considered acceptable...
... administrative fees from limited resource farmers. FCIC believes this waiver helps to ensure that small entities...) Are grown on rootstock that is adapted to the area; (3) Are grown in an orchard that, if inspected, is...
... alternating or mixed pattern. Marketable. Pear production acceptable for processing or other human consumption... irrigation water supply, if caused by an insured peril that occurs during the insurance period. (b) In... provisions of the Basic Provisions are not applicable. 13. Pear Quality Adjustment Endorsement (a) This...
Full Text Available Current crop insurance is designed to mitigate monetary fluctuations resulting from yield losses for a specific year. However, yield realization tendency can vary from year to year and may depend on the correlation of yield realizations across years. When the current single-year Yield Protection (YP and Area Risk Protection Insurance (ARPI contracts are extended to multiple periods, actuarially fair premium rate is expected to decrease as poor yield realizations in a year can be offset by another year's better yield realizations. In this study, we first use simulations to demonstrate how significant premium savings are possible when coverage is based on the sum of yields across years rather than on a year-by-year basis. We then describe the design of a multi-year framework of crop insurance and model the insurance using a copula approach. Insurance terms are extended to more than a year and the premium, liability, and indemnity are determined by a multi-year term. Moreover, partial payment is provided at the end of each term to offset the possibility of significant loss in a single term. County-level data obtained from the U.S. Department of Agriculture are used to demonstrate the implementations of the proposed multi-year crop insurance. The proposed multi-year plan would benefit farmers by offering insurance guarantees across years for significantly lower costs.
Full Text Available The purpose of this paper is to assess the gaps in the adoption of crop insurance in Thailand and suggest possible solutions relating to policy support and framework, implementation mechanisms, technology adoption, and awareness amongst farmers. The methodology includes a literature review, interaction with officials, rice experts and insurance experts, and discussion with farmers. A study was undertaken at province level to assess the impact of using rainfall index as a threshold. Additionally, focused group discussions (FGD were conducted with rice farmers at the village level. Key issues targeted in the FGD were to understand the behavior and practices during droughts, impact of drought on crop yield, methods already in use to reduce the impact, such as plantation of drought-resistant rice, and the adoption of crop insurance. Data availability is a challenge and has led to withdrawal of Weather Index Insurance (WII in 2015. WII have threshold levels based on historical rainfall. Adoption of coping mechanisms, such as drought-resistant rice and irrigation increases the chances of adverse selection. In absence of ground based weather data, a combination of satellite agriculture drought information can be used to make crop insurance more attractive as it would help in reducing basis risk and improving insurers and farmers’ confidence in the product. Discussion with farmers, insurance companies, and the Bank of Agriculture and Agricultural Cooperatives (BAAC in Thailand suggested low awareness among farmers about the potential benefits of weather index insurance products. Relatively low compensation is also an obstacle. Proper marketing and awareness raising campaigns should also accompany the introduction of index-based insurance products.
Akter, Sonia; Krupnik, Timothy J; Rossi, Frederick; Khanam, Fahmida
Theoretically, weather-index insurance is an effective risk reduction option for small-scale farmers in low income countries. Renewed policy and donor emphasis on bridging gender gaps in development also emphasizes the potential social safety net benefits that weather-index insurance could bring to women farmers who are disproportionately vulnerable to climate change risk and have low adaptive capacity. To date, no quantitative studies have experimentally explored weather-index insurance preferences through a gender lens, and little information exists regarding gender-specific preferences for (and constraints to) smallholder investment in agricultural weather-index insurance. This study responds to this gap, and advances the understanding of preference heterogeneity for weather-index insurance by analysing data collected from 433 male and female farmers living on a climate change vulnerable coastal island in Bangladesh, where an increasing number of farmers are adopting maize as a potentially remunerative, but high-risk cash crop. We implemented a choice experiment designed to investigate farmers' valuations for, and trade-offs among, the key attributes of a hypothetical maize crop weather-index insurance program that offered different options for bundling insurance with financial saving mechanisms. Our results reveal significant insurance aversion among female farmers, irrespective of the attributes of the insurance scheme. Heterogeneity in insurance choices could however not be explained by differences in men's and women's risk and time preferences, or agency in making agriculturally related decisions. Rather, gendered differences in farmers' level of trust in insurance institutions and financial literacy were the key factors driving the heterogeneous preferences observed between men and women. Efforts to fulfill gender equity mandates in climate-smart agricultural development programs that rely on weather-index insurance as a risk-abatement tool are therefore
... quarantine, boycott, or refusal of any person to accept production. 10. Duties in the Event of Damage or Loss... production on insured acreage that you intend to abandon or no longer care for, if you and we agree on the... do not agree with our appraisal, we may defer the claim only if you agree to continue to care for the...
... selling through an on-farm or roadside stand, farmer's market, and permitting the general public to enter...); (f) That are grown in an orchard that, if inspected, is considered acceptable by us; and (g) That... or to determine the condition of the orchard. (2) The calendar date for the end of the insurance...
Veselinović Janko P.
Full Text Available The contract of insurance of crops and yields against drought is based on the risk of decrease of precipitation in comparison with an earlier relevant period. The authors analysed the specificities of the case of draught risk, but also other regulations characteristic of this contractual relationship, both from the economic and the legal point of view. The paper also treats the position of contractual parties in this contractual relationship, partly arising from the monopolising position of the insuring organisation. That part also analyses the contract freedom that is endangered due to unequal positions of contractual parties. Special attention is paid to legal sources, especially the general and special conditions of insurance organisations, seeing as they are the main source of law, as there is a lack of legal regulation of this field. The number of Serbian insurance organisations that offer this type of insurance is extremely low, as well as the percentage of insurance against this risk. The authors analyse the reasons for which this type of insurance is underdeveloped in Serbia, as well as the consequences of such a state to a safe agricultural production. The paper also covers the topic of the role of legislators and the state in general, in terms of regulation of certain elements of this contractual relation, but also in terms of state incentives that would contribute to a higher percentage of insured agricultural areas. This would reduce the uncertainty and the damage suffered by agricultural producers due to increasing weather fluctuations. Taking into account the inadequate legal and economic tradition, education in this field would represent a significant contribution to the development of this kind of insurance. The authors analyse the difference between the contracts of insurance of crops and yields against drought and the weather derivative contracts, which can be traded on the stock market.
... production acceptable for processing or other human consumption even if failing to meet any U.S. or... planted in any form of alternating or mixed pattern. Loss in quality. When the crop is damaged to the... chilling hours to effectively break dormancy; or (9) Failure of irrigation water supply, if caused by an...
... Crop Provisions If a conflict exists among the policy provisions, the order of priority is as follows... insufficient or improper application of disease control measures; (e) Wildlife; (f) Earthquake; (g) Volcanic... the United States as being injurious to human or animal health. (3) Quality will be a factor in...
... planted. The first occurrence that land is considered as planted acreage for the crop year. Local market price. The price per pound for raw sugar offered by buyers in the area in which you normally market the...) November 25 in Ohio; (5) December 31 in New Mexico and Texas; and (6) November 15 in all other States and...
... include selling through an on-farm or roadside stand, or a farmer's market, or permitting the general... of in-shell pecans grown during a crop year. Harvest—Collecting mature pecans from the orchard. Hedge...—Pecans as they are removed from the orchard with the nut-meats in the shell. Interplanted—Acreage on...
..., farmer's market, and permitting the general public to enter the field for the purpose of picking all or a... writing; (e) That are grown in an orchard that, if inspected, is considered acceptable by us; and (f) That... any information that we require for the crop or to determine the condition of the orchard. (2) The...
Julia I. Borman; Barry K. Goodwin; Keith H. Cobel; Thomas O. Knight; Rod Rejesus
The purpose of this paper is to be an academic inquiry into rating issues confronted by the US Federal Crop Insurance program stemming from changes in participation rates as well as the weighting of data to reflect longer-run weather patterns.
... the insured crop directly to consumers without the intervention of an intermediary such as a... Special Provisions. The price election you choose for each type must have the same percentage relationship...: (A) Grown fresh market tomatoes for commercial sales; or (B) Participated in the management of a...
... quarantine, boycott, or refusal of any person to accept production. 10. Duties in the Event of Damage or Loss... insured acreage that you intend to abandon or no longer care for, if you and we agree on the appraised... agree with our appraisal, we may defer the claim only if you agree to continue to care for the crop. We...
... 7 Agriculture 1 2010-01-01 2010-01-01 false Administrator, Risk Management Agency and Manager... Secretary for Farm and Foreign Agricultural Services to the Administrator, Risk Management Agency, and... for the transaction of the business of the Federal Crop Insurance Corporation and the Risk Management...
... premium rates for ARPI that are sufficient to cover expected losses plus a reasonable reserve. The premium... that maximize net benefits (including potential economic, environmental, public health and safety... establish their insurance guarantees, and compute premium amounts. Whether a producer has 10 acres or 1000...
Agahi, Hossein; Zarafshani, Kiumars; Behjat, Amir-Mohsen
The purpose of this study was to describe the effect of crop insurance on agricultural production among dry wheat farmers in Kermanshah province. The population of this study consisted of dry wheat farmers. Data used in this study was collected using stratified multi-stage cluster sampling method and face to face interview with 251 farmers in three different climate regions: tropical, temperate and cold during 2003-2004 crop years. The procedures used for determining farmers' technical efficiency was Corrected Ordinary Least Square (COLS). Findings revealed that crop insurance has positive effect on temperate and tropical regions. However, the production difference between insured and uninsured farmers in cold region was non-significant. It is therefore concluded that technical efficiency of agricultural production in Kermanshah province is a function of crop insurance as well as other variables such as crop management practices, personal characteristics and fair distribution of agricultural inputs.
Weerts, A.; van Verseveld, W.; Trambauer, P.; de Vries, S.; Conijn, S.; van Valkengoed, E.; Hoekman, D.; Hengsdijk, H.; Schrevel, A.
The Government of Indonesia has embarked on a policy to bring crop insurance to all of Indonesia's farmers. To support the Indonesian government, the G4INDO project (www.g4indo.org) is developing/constructing an integrated platform for judging and handling insurance claims. The platform consists of bringing together remote sensed data (both visible and radar) and hydrologic and crop modelling and forecasting to improve predictions in one forecasting platform (i.e. Delft-FEWS, Werner et al., 2013). The hydrological model and crop model (LINTUL) are coupled on time stepping basis in the OpenStreams framework (see https://github.com/openstreams/wflow) and deployed in a Delft-FEWS forecasting platform to support seasonal forecasting of water availability and crop yield. First we will show the general idea about the project, the integrated platform (including Sentinel 1 & 2 data) followed by first (reforecast) results of the coupled models for predicting water availability and crop yield in the Brantas catchment in Java, Indonesia. Werner, M., Schellekens, J., Gijsbers, P., Van Dijk, M., Van den Akker, O. and Heynert K, 2013. The Delft-FEWS flow forecasting system, Environmental Modelling & Software; 40:65-77. DOI: 10.1016/j.envsoft.2012.07.010 .
Full Text Available Unsustainability and precarious conditions of agricultural production have caused this sector be associated with risk . Crops insurance is efficient tool for controlling and reducing production and market risk and stabilizing farmers' income. In this study, the thinking system approach by using of I Think software is used for analyzing and modeling of the effects of different alternatives of policies on wheat insurance acceptance. The results show that the decision making process of insurance acceptance is function of some variables including of probability of brooz khesarat, amount of brooz khesarat, share of farmer’s insurance payment, gross return of fermers and maximum tahood of bimegar payments. Also, by increasing of the probability of brooz khesarat the number of insurance acceptance will increaseal production have caused this sector be associated with risk . Crops insurance is efficient tool for controlling and reducing production and market risk and stabilizing farmers' income. In .
Reyes, J. J.; Elias, E.; Eischens, A.; Shilts, M.; Rango, A.; Steele, R.
The collaborative synthesis of existing datasets, such as long-term climate observations and farmers' crop insurance payments, can increase their overall collective value and societal application. The U.S. Department of Agriculture (USDA) Climate Hubs were created to develop and deliver science-based information and technologies to agricultural and natural resource managers to enable climate-informed decision-making. As part of this mission, Hubs work across USDA and other climate service agencies to synthesize existing information. The USDA Risk Management Agency (RMA) is responsible for overseeing the Federal crop insurance program which currently insures over $100 billion in crops annually. RMA hosts data describing the cause for loss (e.g. drought, wind, irrigation failure) and indemnity amount (i.e. total cost of loss) at multiple spatio-temporal scales (i.e. state, county, year, month). The objective of this paper is to link climate information with indemnities, and their associated cause of loss, to assess climate risk on agricultural production and provide regionally-relevant information to stakeholders to promote resilient working landscapes. We performed a retrospective trend analysis at the state-level for the American Southwest (SW). First, we assessed indemnity-only trends by cause of loss and crop type at varying temporal scales. Historical monthly weather data (i.e. precipitation and temperature) and long-term drought indices (e.g. Palmer Drought Severity Index) were then linked with indemnities and grouped by different causes of loss. Climatological ranks were used to integrate historical comparative intensity of acute and long-term climatic events. Heat and drought as causes of loss were most correlated with temperature and drought indicators, respectively. Across all SW states increasing indemnities were correlated with warmer conditions. Multiple statistical trend analyses suggest a framework is necessary to appropriately measure the biophysical
van Verseveld, Willem; Weerts, Albrecht; Trambauer, Patricia; de Vries, Sander; Conijn, Sjaak; van Valkengoed, Eric; Hoekman, Dirk; Grondard, Nicolas; Hengsdijk, Huib; Schrevel, Aart; Vlasbloem, Pieter; Klauser, Dominik
The Government of Indonesia has decided on a crop insurance policy to assist Indonesia's farmers and to boost food security. To support the Indonesian government, the G4INDO project (www.g4indo.org) is developing/constructing an integrated platform implemented in the Delft-FEWS forecasting system (Werner et al., 2013). The integrated platform brings together remote sensed data (both visible and radar) and hydrologic, crop and reservoir modelling and forecasting to improve the modelling and forecasting of rice yield. The hydrological model (wflow_sbm), crop model (wflow_lintul) and reservoir models (RTC-Tools) are coupled on time stepping basis in the OpenStreams framework (see https://github.com/openstreams/wflow) and deployed in the integrated platform to support seasonal forecasting of water availability and crop yield. First we will show the general idea about the G4INDO project, the integrated platform (including Sentinel 1 & 2 data) followed by first (reforecast) results of the coupled models for predicting water availability and crop yield in the Brantas catchment in Java, Indonesia. Werner, M., Schellekens, J., Gijsbers, P., Van Dijk, M., Van den Akker, O. and Heynert K, 2013. The Delft-FEWS flow forecasting system, Environmental Modelling & Software; 40:65-77. DOI: 10.1016/j.envsoft.2012.07.010.
Ozaki, Vitor A.; Ghosh, Sujit K.; Goodwin, Barry K.; Shirota, Ricardo
This article presents a statistical model of agricultural yield data based on a set of hierarchical Bayesian models that allows joint modeling of temporal and spatial autocorrelation. This method captures a comprehensive range of the various uncertainties involved in predicting crop insurance premium rates as opposed to the more traditional ad hoc, two-stage methods that are typically based on independent estimation and prediction. A panel data set of county-average yield data was analyzed for 290 counties in the State of Paraná (Brazil) for the period of 1990 through 2002. Posterior predictive criteria are used to evaluate different model specifications. This article provides substantial improvements in the statistical and actuarial methods often applied to the calculation of insurance premium rates. These improvements are especially relevant to situations where data are limited. PMID:19890450
... dividing Price A by 85 percent of Price B. * * * * * (f) Any AUP cotton harvested or appraised from acreage... dividing the price per pound for AUP cotton by the price per pound for ELS cotton. The prices used for AUP...
... ``Any AUP cotton'' and replacing it with the phrase ``Mature AUP cotton'' to clarify the AUP cotton must be mature in order to calculate a conversion factor between AUP cotton and ELS cotton. List of... dividing Price A by 85 percent of Price B. * * * * * (f) Mature AUP cotton harvested or appraised from...
... appeal provisions published at 7 CFR part 11 and 7 CFR part 400, subpart J, for the informal review...) through (6). 10. Settlement of Claim. (a) We will determine your loss on a unit basis. In the event you... total production was of poor quality; 10,000 pounds of seed failed to achieve the contract minimum...
Ahsan, Syed M.; Rashid, Salim
Modern varieties of agricultural crops, commonly referred to as high yielding varieties (HYVs), are being increasingly looked upon as a major source of the additional foodgrain required to attain self-sufficiency in a number of Third World countries. In spite of the demonstrated productivity gains with HYVs, the adoption rate has been rather disappointing in many of those countries. Part of the reason behind the farmer's reluctance must arise from the unfamiliarity and high costs of the new t...
Asclepias syriaca L. (the common milkweed) is a perennial plant occurring east of the Rockies in the United States, but particularly east of the Mississippi River and from Southern Canada to Mexico. The plant has many unsavory given names by frustrated farmers including “the Wheat Farmers Nightmare...
1971-01-01In the Netherlands common scab of the potato is usually caused by Streptomyces scabies (Thaxter) Waksman et Henrici, following Corbaz's description, and rarely by other Streptomyces species. Variation in morphological and other characteristics
Deen, W.; Cousens, R.; Warringa, J.; Bastiaans, L.; Carberry, P.; Rebel, K.; Riha, S.; Murphy, C.; Benjamin, L.R.; Cloughley, C.; Cussans, J.; Forcella, F.
To date, several crop : weed competition models have been developed. Developers of the various models were invited to compare model performance using a common data set. The data set consisted of wheat and Lolium rigidum grown in monoculture and mixtures under dryland and irrigated conditions.
Brown, M. E.; Osgood, D. E.; Carriquiry, M. A.
Weather has always presented a challenge to small-scale farmers, particularly in regions where poverty and lack of infrastructure has restricted the development of financial instruments to limit risk. New 'index' insurance innovations in agriculture are beginning to enable even the poorest farmers to unlock major productivity gains (e.g. insuring loans for improved seeds). Although index insurance has the potential to greatly improve productivity in developing country agriculture, the principal technical challenge to up-scaling this product is "data poverty," the absence of weather data in low-income areas needed to design robust and affordable insurance products. Earth science, particularly remote sensing, has the potential to ameliorate data poverty. However, raw use of earth science model output leads to non-optimal indexes and many obstacles remain to transform earth science products into insurance solutions. Estimation uncertainty, limited availability of consistent time series, and difficulties of predicting loses based on remote observations are reviewed in this article. The importance of multidisciplinary approaches addressing the needs of stakeholders in simple to understand indexes is highlighted. The successful use of Earth science data to support the index insurance industry in currently poor and isolated communities in the developing world would transform the ability of small farmers to increase yields, household incomes and regional economies, if the growing gap between earth science and index insurance can be closed.
Knudsen, Knud Erik Bach
The current paper reviews content and variation in fiber and nonstarch polysaccharides (NSP) of common crops used in broiler diets. The cereal grain is a complex structure, and its cell walls (CW) differ in their composition and hence properties. Arabinoxylan (AX), mixed linkage (1→3; 1→4)-β...... AX, but β-glucan can also be present mainly in rye and wheat brans. The CW composition of seeds and grains of protein crops and feedstuffs are different from that of cereals. The main CW polymers are pectic substances (homogalacturonan, rhamnogalacturonan type I and II, xylogalacturonan...
... reinsured policies: Cultivated Wild Rice Crop Provisions. 1. Definitions Approved laboratory. A testing.... Cultivated Wild Rice. A member of the grass family Zizania Palustris L., adapted for growing in man-made... for the crop year. Planted acreage. In addition to the definition contained in the Basic Provisions...
... test. A warm germination test performed on clean seed according to specifications of the “Rules for.... Germination of less than 80 percent of the commercial hybrid sorghum seed as determined by using a certified seed test. Insurable interest. Your share of the financial loss that occurs in the event seed...
... policies: Processing Sweet Corn Crop Provisions If a conflict exists among the policy provisions, the order.... Processor. Any business enterprise regularly engaged in canning or freezing processing sweet corn for human... disease control measures or as otherwise limited by the Special Provisions; (5) Wildlife; (6) Earthquake...
...: Canola and Rapeseed Crop Provisions If a conflict exists among the policy provisions, the order of... application of disease control measures; (e) Wildlife; (f) Earthquake; (g) Volcanic eruption; or (h) Failure... injurious to human or animal health. (3) Quality will be a factor in determining your loss in canola...
... proper times. Root stock—A root or a piece of a root of one tree variety onto which a bud from another... will be increased by 46 percent as a result of the additional six months of coverage for that crop year...
Full Text Available The paper highlights lessons learned over the last thirty years establishing a governance structure for the global crop commons that are of relevance to current champions of the microbial commons. It argues that the political, legal and biophysical situation in which microbial genetic resources (and their users are located today are similar to the situation of plant genetic resources in the mid-1990s, before the International Treaty on Plant Genetic Resources was negotiated. Consequently, the paper suggests that it may be useful to look to the model of global network of ex situ plant genetic resources collections as a precedent to follow – even if only loosely – in developing an intergovernmentally endorsed legal substructure and governance framework for the microbial commons.
The objective of this paper was to identify specific growth stages of the common bean crop at which the plant is less sensitive to water stress using two methods of irrigation (Furrows and Sprinkler) and neutron probe to monitoring water content in the soil. Seven irrigation regimes were used, including normal watering, full stress, traditional practice, single stress at vegetation, at flowering, at yield formation and ripening. The yield formation stage was the most sensitive to moisture stress reducing drastically the yield. The vegetation stage was no affected yield and permitted water economy of 40%. Sprinkler irrigation was most rentable that Furrows irrigation (the author)
A field was conducted on a Typic ustropepts soil located at 'La Tola', the experimental campus of the Agricultural Sciences Faculty at Tumbaco, Ecuador. The objectives were to quantify faba bean (Vicia faba) and common bean (Phaseolus vulgaris) biological nitrogen fixation, using quinoa (chenopodium quinoa) and maize (Zea mays) as reference crops. The average values were 80 and 70 per cent for faba bean and 42 and 14 per cent for common bean, respectively. It was assumed that nitrogen use eficiency was the same for fixing crops but observed that a crop with high nitrogen use efficiency overestimates legume biological nitrogen fixation. Results suggests that greater caution is needed when selecting reference crops for legumes with nitrogen fixation
Ronnenberg, Katrin; Strauß, Egbert; Siebert, Ursula
The grey partridge (Perdix perdix) and the common pheasant (Phasianus colchicus) are galliform birds typical of arable lands in Central Europe and exhibit a partly dramatic negative population trend. In order to understand general habitat preferences we modelled grey partridge and common pheasant densities over the entire range of Lower Saxony. Spatially explicit developments in bird densities were modelled using spatially explicit trends of crop cultivation. Pheasant and grey partridge densities counted annually by over 8000 hunting district holders over 10 years in a range of 3.7 Mio ha constitute a unique dataset (wildlife survey of Lower Saxony). Data on main landscape groups, functional groups of agricultural crops (consisting of 9.5 million fields compiled by the Integrated Administration and Control System) and landscape features were aggregated to 420 municipalities. To model linear 8 or 10 year population trends (for common pheasant and grey partridge respectively) we use rho correlation coefficients of densities, but also rho coefficients of agricultural crops. All models confirm a dramatic decline in population densities. The habitat model for the grey partridge shows avoidance of municipalities with a high proportion of woodland and water areas, but a preference for areas with a high proportion of winter grains and high crop diversity. The trend model confirms these findings with a linear positive effect of diversity on grey partridge population development. Similarly, the pheasant avoids wooded areas but showed some preference for municipalities with open water. The effect of maize was found to be positive at medium densities, but negative at very high proportions. Winter grains, landscape features and high crop diversity are favorable. The positive effect of winter grains and higher crop diversity is also supported by the trend model. The results show the strong importance of diverse crop cultivation. Most incentives favor the cultivation of
Mosse, Kim P M; Patti, Antonio F; Christen, Evan W; Cavagnaro, Timothy R
The ability to reuse winery wastewater would be of significant benefit to the wine industry, as it could potentially be a cost-effective method of wastewater management, whilst at the same time providing a valuable water resource. This study investigated the effects of different dilutions of a semi-synthetic winery wastewater on the growth and germination of four common crop species in a glasshouse study; barley (Hordeum vulgare), millet (Pennisetum glaucum), lucerne (Medicago sativa) and phalaris (Phalaris aquatica). The wastewater caused a significant delay in the germination of lucerne, millet and phalaris, although overall germination percentage of all species was not affected. Vegetative growth was significantly reduced in all species, with millet being the most severely affected. The germination index of barley correlated very highly (r(2)=0.99) with barley biomass, indicating that barley seed germination bioassays are highly relevant to plant growth, and therefore may be of use as a bioassay for winery wastewater toxicity. Copyright 2010 Elsevier B.V. All rights reserved.
Knudsen, Knud Erik Bach
The current paper reviews content and variation in fiber and nonstarch polysaccharides (NSP) of common crops used in broiler diets. The cereal grain is a complex structure, and its cell walls (CW) differ in their composition and hence properties. Arabinoxylan (AX), mixed linkage (1→3; 1→4)-β-glucan (β-glucan), cellulose, and the noncarbohydrate component lignin are the predominant polymers in cereals. They occur in different proportions depending on the species and tissue type. Rye, triticale, wheat, corn, and sorghum are all rich in AX, whereas barley and oats contain a high level of β-glucan. The AX from rye, wheat, and triticale and β-glucan from barley and oats are to a large extent soluble, whereas the solubility of AX found in corn and sorghum is lower than the other cereals. The ratio of arabinose to xylose gives a crude indication of the AX structure, which varies between the endosperm, the aleurone and the outer grain layers as well as between the same tissues from different grains. Varietal differences in AX structure of the endosperm are also identified. From the analysis of the released oligomers after hydrolysis with a specific (1→3,1→4)-β-d-glucan hydrolase, it is found that the ratio of trisaccharides (degree of polymerization 3) and tetrasaccharides (degree of polymerization 4) varies depending on the source, being higher in barley than in oats but lower than in wheat. The molecular weight of β-glucan is higher than that of AX, and both polymers contribute to the viscosity of the extract. However, because AX molecules are more resistant to degradation than β-glucan, the use of AX rich grains in broiler diets is usually more problematic than those containing high concentrations of β-glucan. The cereal coproducts (brans and hulls) are concentrated sources of cellulose, lignin, and insoluble AX, but β-glucan can also be present mainly in rye and wheat brans. The CW composition of seeds and grains of protein crops and feedstuffs are
Alimadadi, A.; Rostamza, M.; Jahansooz, M.R.; Ahmadi, A.; Tavakol Afshari, R.
Crop growth modeling for forecasting various plant's functions and their contribution to yield, is one of the ways to improve field management. This trial was set up to evaluate radiation use efficiency of mung bean, common bean and cowpea cultivars in a double cropping system. Field experiment was conducted at Research Farm of College of Agriculture, University of Tehran, Karaj. A 4-replicate group balanced block field experiment was set up. Results showed that the differences among three pulses were significant in terms of biomass (p0.05). Cowpea, producing 5876.8 Kg/ha, had the highest yield among the species used in this study. Comparison of grain yield observed in this experiment with mono crop yield potential, showed that cowpea, common bean and mung bean produced 40%, 37% and 58% of their mono crop grain yield potential, respectively. In the late vegetative growth period, cowpea, mung bean and common bean absorbed 90%, 33% and 36% of photosynthetic active radiation, respectively. There was a significant difference among pulses, in terms of their radiation use efficiency and light extinction coefficient (p0.05 and p0.01, respectively). Cowpea, common bean and mung bean had radiation use efficiencies of 0.84, 0.82 and 0.99, g/MJ and light extinction coefficients of 0.605, 0.344 and 0.458, respectively. Results indicated that in some cultivars, when K decreases and LAI increases, LUE might be increased twice
Chen, Xueli; Zhao, Guanglu; Zhang, Yang; Han, Lujia; Xiao, Weihua
Accurately determining protein content is essential in exploiting biomass as feed and fuel. A survey of biomass samples in China indicated protein contents from 2.65 to 3.98% for crop residues and from 6.07 to 10.24% for animal manure of dry basis. Conversion factors based on amino acid nitrogen (k A ) ranged from 5.42 to 6.00 for the former and from 4.78 to 5.36 for the latter, indicating that the traditional factor of 6.25 is not suitable for biomass samples. On the other hand, conversion factors from Kjeldahl nitrogen (k P ) ranged from 3.97 to 4.57 and from 2.76 to 4.31 for crop residues and animal manure, respectively. Of note, conversion factors were strongly affected by amino acid composition and levels of nonprotein nitrogen. Thus, k P values of 4.23 for crop residues, 4.11 for livestock manure, and 3.11 for poultry manure are recommended to better estimate protein content from total nitrogen.
Chen, Xiaoxue; Gautam, Santosh; Ruggieri, Alexander; Richards, Thomas; Devries, Andrea; Sylwestrzak, Gosia
The Affordable Care Act of 2010 allows the purchase of health insurance through special marketplaces called "health exchanges." The majority of individuals enrolling in the exchanges were previously uninsured, older, and sicker than other commercially insured members. Early evidence also suggests that exchange plan members use more costly specialty drugs compared with other commercially insured members. To (a) examine patient characteristics and specialty drug use for common chronic inflammatory diseases (CIDs) among exchange plan members compared with other commercially insured members and (b) explore variations in specialty drug use within exchange plans by metal tiers (bronze, silver, gold, and platinum), as well as across local markets. This analysis included adults aged ≥ 18 years who were enrolled in exchange plans (exchange population) and other commercial health plans (nonexchange population). The primary outcome was the likelihood of using specialty drugs prescribed to treat common CIDs, such as rheumatoid arthritis, ankylosing spondylitis, Crohn's disease, ulcerative colitis, psoriatic arthritis, and psoriasis. The adjusted likelihood of using CID specialty drugs was calculated from logistic regression controlling for prevalence of CIDs and other health risk factors. A total of 931,384 exchange plan members and 2,682,855 nonexchange plan members were included in the analysis. Compared with the nonexchange population, the exchange population was older, more likely to be female, had more comorbid conditions, but filled fewer prescriptions. The 2 groups were similar in terms of CID prevalence. The observed likelihood of CID specialty drug use was 20.0% lower in the exchange versus the nonexchange populations (341 users per 100,000 exchange members vs. 427 users per 100,000 nonexchange members; P exchange population, the observed likelihood of CID specialty drug use was 132 per 100,000 bronze plan members (69.1% lower than nonexchange); 326 per 100
Full Text Available Yang Zhao,1 Peter Sun,2 Mark Bernauer31Eli Lilly and Company, 2Kailo Research Group, 3OptumInsight, Indianapolis, IN, USABackground: The purpose of this study was to examine the main reasons for inpatient or outpatient visits after initiating duloxetine or pregabalin.Methods: Commercially insured patients with fibromyalgia and aged 18–64 years who initiated duloxetine or pregabalin in 2006 with 12-month continuous enrollment before and after initiation were identified. Duloxetine and pregabalin cohorts with similar demographics, pre-index clinical and economic characteristics, and pre-index treatment patterns were constructed via propensity scoring stratification. Reasons for inpatient admissions, physician office visits, outpatient hospital visits, emergency room visits, and primary or specialty care visits over the 12 months post-index period were examined and compared. Logistic regression was used to assess the contribution of duloxetine versus pregabalin initiation to the most common reasons for visits, controlling for cross-cohort differences.Results: Per the study design, the duloxetine (n = 3711 and pregabalin (n = 4111 cohorts had similar demographics (mean age 51 years, 83% female and health care costs over the 12-month pre-index period. Total health care costs during the 12-month post-index period were significantly lower for duloxetine patients than for pregabalin patients ($19,378 versus $27,045, P < 0.05. Eight of the 10 most common reasons for inpatient admissions and outpatient hospital (physician office, emergency room, primary or specialty care visits were the same for both groups. Controlling for cross-cohort differences, duloxetine patients were less likely to be hospitalized due to an intervertebral disc disorder or major depressive disorder, to have a physician office visit due to nonspecific backache/other back/neck pain (NB/OB/NP disorder, or to go to specialty care due to a soft tissue, NB/OP/NP, or intervertebral disc
Keywords: Physiological maturity, harvest maturity, earliness, common bean, Phaseolus vulgaris L., morphological markers, variation, moisture content, dry weight, viability, vigour, electrical conductivity, tetrazolium, seed lot, seed
The common milkweed (Asclepias syriaca L.) is a perennial shrub that is native to the Americas from coast to coast, but particularly abundant east of the Mississippi River and from Southern Canada to Mexico. The plant has been given many nonglamorous names by frustrated farmers including “The Wheat...
Vicarelli, M.; Giannini, A.; Osgood, D.
In this study we explore the potential for re-insurance schemes built on regional climatic forecasts. We focus on micro-insurance contracts indexed on precipitation in 9 villages in Kenya, Tanzania (Eastern Africa) and Malawi (Southern Africa), and analyze the precipitation patterns and payouts resulting from El Niño Southern Oscillation (ENSO). The inability to manage future climate risk represents a “poverty trap” for several African regions. Weather shocks can potentially destabilize not only household, but also entire countries. Governments in drought-prone countries, donors and relief agencies are becoming aware of the importance to develop an ex-ante risk management framework for weather risk. Joint efforts to develop innovative mechanisms to spread and pool risk such as microinsurance and microcredit are currently being designed in several developing countries. While ENSO is an important component in modulating the rainfall regime in tropical Africa, the micro-insurance experiments currently under development to address drought risk among smallholder farmers in this region do not take into account ENSO monitoring or forecasting yet. ENSO forecasts could be integrated in the contracts and reinsurance schemes could be designed at the continental scale taking advantage of the different impact of ENSO on different regions. ENSO is associated to a bipolar precipitation pattern in Southern and Eastern Africa. La Niña years (i.e. Cold ENSO Episodes) are characterized by dry climate in Eastern Africa and wet climate in Southern Africa. During El Niño (or Warm Episode) the precipitation dipole is inverted, and Eastern Africa experiences increased probability for above normal rainfall (Halpert and Ropelewski, 1992, Journal of Climate). Our study represents the first exercise in trying to include ENSO forecasts in micro weather index insurance contract design. We analyzed the contracts payouts with respect to climate variability. In particular (i) we simulated
Assandri, Giacomo; Bogliani, Giuseppe; Pedrini, Paolo; Brambilla, Mattia
Viticulture has contributed to shaping cultural landscapes in several regions across all continents. Recent farming intensification is causing landscape homogenization and biodiversity loss in several of those areas, but knowledge about the impacts on biodiversity in vineyards is still scarce. Simplified agro-ecosystems resulting from intensification host mainly generalist and common species, which still play a key role in the regulation of ecosystems and in the provision of ecosystem services. We assessed the abundance of 11 common bird species at 47 linear transects in a vineyard-dominated landscape in Trentino (NE Italy), in both spring and winter, and analysed abundance variation in relation to three independent groups of predictors: landscape, management, and topographic-climatic variables. In the majority of species (7), abundance was primarily or considerably affected by landscape attributes. However, an additional 5 species were largely affected by management practices, often with conspicuous seasonal differences. Overall, landscape and management heterogeneity positively affected the abundance of 6 species. Vineyard cover (and in particular the new spalliera trellising system) was negatively related with the abundance of 6 species, with the strongest impacts occurring in winter. On the contrary, the cover of marginal habitats had major positive effects over 8 species. Hedgerows, tree rows, and dry stone walls, as well as traditional pergola vineyards and landscape and management heterogeneity should be conserved or restored in viticultural landscapes to promote the abundance of common bird species. This strategy would ensure the maintenance of the ecosystem services they provide, while promoting the general sustainability of the agroecosystem. Copyright © 2016 Elsevier Ltd. All rights reserved.
Santos, Jose Barbosa dos; Procopio, Sergio de Oliveira; Silva, Antonio Alberto da; Costa, Luiz Claudio
Aiming to develop techniques for the establishment of a Weed Integrated Management Program, the performance of common bean (Phaseolus vulgaris L.) and soybean (Glycine max (L.) Merrill) and of weeds Bidens pilosa L., Euphorbia heterophylla L. (two biotypes), sensitive and resistant to ALS inhibitor - herbicides and [ Desmodium tortuosum (SW.) DC.], was evaluated in relation to their efficiency in capturing and utilizing solar radiation.The following indices were calculated: total dry biomass production rate (Ct), leaf dry biomass production rate (Cf), radiation efficient use (x), net assimilation rate (EA), specific leaf area (SA), leaf area index (L), leaf matter ratio (FW) and leaf area ratio (FA). No difference was observed for all characteristics evaluated among E. heterophylla biotypes. Soybean showed the highest rate of total dry biomass production along its cycle and also the highest leaf area index, indicating its greater capacity in capturing light and providing shade to competitive plants. Especially after flowering, common bean was the most efficient in draining its photoassimilates for leaf formation. Soybean showed greater efficiency in converting radiation intercepted in the biomass. (author)
Zhu, Yu Cheng; Adamczyk, John; Rinderer, Thomas; Yao, Jianxiu; Danka, Robert; Luttrell, Randall; Gore, Jeff
To combat an increasing abundance of sucking insect pests, >40 pesticides are currently recommended and frequently used as foliar sprays on row crops, especially cotton. Foraging honey bees may be killed when they are directly exposed to foliar sprays, or they may take contaminated pollen back to hives that maybe toxic to other adult bees and larvae. To assess acute toxicity against the honey bee, we used a modified spray tower to simulate field spray conditions to include direct whole-body exposure, inhalation, and continuing tarsal contact and oral licking after a field spray. A total of 42 formulated pesticides, including one herbicide and one fungicide, were assayed for acute spray toxicity to 4-6-d-old workers. Results showed significantly variable toxicities among pesticides, with LC50s ranging from 25 to thousands of mg/liter. Further risk assessment using the field application concentration to LC1 or LC99 ratios revealed the risk potential of the 42 pesticides. Three pesticides killed less than 1% of the worker bees, including the herbicide, a miticide, and a neonicotinoid. Twenty-six insecticides killed more than 99% of the bees, including commonly used organophosphates and neonicotinoids. The remainder of the 13 chemicals killed from 1-99% of the bees at field application rates. This study reveals a realistic acute toxicity of 42 commonly used foliar pesticides. The information is valuable for guiding insecticide selection to minimize direct killing of foraging honey bees, while maintaining effective control of field crop pests. Published by Oxford University Press [on behalf of Entomological Society of America] 2015. This work is written by US Government employees and is in the public domain in the US.
Special technical terms used in the world of insurance can hardly be found in general dictionaries. This is a gap which the 'Insurance dictionary' now presented is designed to fill. In view of its supplementary function, the number of terms covered is limited to 1200. To make this dictionary especially convenient for ready reference, only the most commonly used translations are given for each key word in any of the four languages. This dictionary is subdivided into four parts, each containing the translation of the selected terms in the three other languages. To further facilitate the use of the booklet, paper of different colours was used for the printing of the German, English, French and Greek sections. The present volume was developed from a Swedish insurance dictionary (Fickordbok Foersaekring), published in 1967, which - with Swedish as the key language- offers English, French and German translations of the basic insurance terms. (orig./HP) [de
Young, Gregory J; Zhang, Shiping; Mirsky, Henry P; Cressman, Robert F; Cong, Bin; Ladics, Gregory S; Zhong, Cathy X
Before a genetically modified (GM) crop can be commercialized it must pass through a rigorous regulatory process to verify that it is safe for human and animal consumption, and to the environment. One particular area of focus is the potential introduction of a known or cross-reactive allergen not previously present within the crop. The assessment of possible allergenicity uses the guidelines outlined by the Food and Agriculture Organization (FAO) and World Health Organization's (WHO) Codex Alimentarius Commission (Codex) to evaluate all newly expressed proteins. Some regulatory authorities have broadened the scope of the assessment to include all DNA reading frames between stop codons across the insert and spanning the insert/genomic DNA junctions. To investigate the utility of this bioinformatic assessment, all naturally occurring stop-to-stop frames in the non-transgenic genomes of maize, rice, and soybean, as well as the human genome, were compared against the AllergenOnline (www.allergenonline.org) database using the Codex criteria. We discovered thousands of frames that exceeded the Codex defined threshold for potential cross-reactivity suggesting that evaluating hypothetical ORFs (stop-to-stop frames) has questionable value for making decisions on the safety of GM crops. Copyright © 2012 Elsevier Ltd. All rights reserved.
Lamichhane, Jay Ram; Bischoff-Schaefer, Monika; Bluemel, Sylvia; Dachbrodt-Saaydeh, Silke; Dreux, Laure; Jansen, Jean-Pierre; Kiss, Jozsef; Köhl, Jürgen; Kudsk, Per; Malausa, Thibaut; Messéan, Antoine; Nicot, Philippe C; Ricci, Pierre; Thibierge, Jérôme; Villeneuve, François
EU agriculture is currently in transition from conventional crop protection to integrated pest management (IPM). Because biocontrol is a key component of IPM, many European countries recently have intensified their national efforts on biocontrol research and innovation (R&I), although such initiatives are often fragmented. The operational outputs of national efforts would benefit from closer collaboration among stakeholders via transnationally coordinated approaches, as most economically important pests are similar across Europe. This paper proposes a common European framework on biocontrol R&I. It identifies generic R&I bottlenecks and needs as well as priorities for three crop types (arable, vegetable and perennial crops). The existing gap between the market offers of biocontrol solutions and the demand of growers, the lengthy and expensive registration process for biocontrol solutions and their varying effectiveness due to variable climatic conditions and site-specific factors across Europe are key obstacles hindering the development and adoption of biocontrol solutions in Europe. Considering arable, vegetable and perennial crops, a dozen common target pests are identified for each type of crop and ranked by order of importance at European level. Such a ranked list indicates numerous topics on which future joint transnational efforts would be justified. © 2016 Society of Chemical Industry. © 2016 Society of Chemical Industry.
Full Text Available Introduction: In the second half of the twentieth century, there was a significant increase in the incidence of civilisation diseases caused by the increasing pace of life, and a greater degree of industrialization and the ubiquitous stress. This phenomena was accompanied by the problem of unemployment and an aging of a population. An annual increasing number of people staying at long-term sick leave and people who completely lose their ability to work was the reason for the introduction by Social Insurance Institution a system of rehabilitation within the prevention of disability pension which mission is to help people to return to active work. Thanks to the rehabilitation system insured people gain not only the health improvement and functioning of the body but are given a chance to recover or improve ability to work which they lost as a result of the disease. Aim of the study : Finding the most common reasons for medical referrals to rehabilitation of the organ motion within the prevention of disability pension by Social Insurance Institution comparing gender, age, occupation, co-existing illnesses and disease entity which is the basis for referral to rehabilitation. Methodology: There was analysed information about finished rehabilitation among 1529 patients who were rehabilitated to be more efficient within the prevention of disability pension of Social Insurance Institution in Non-Public Health Establishment “Medicus” in Kielce. Results : In the period 2005–2011 there was a group of 1529 patients who were rehabilitated within the prevention of disability pension of Social Insurance Institution, including 549 women (37%, and 980 men (63%. In all age groups both among women and men the basic disease entity was the disorder of roots of the nerves (G54. Overcharging of the spinal structures occurred often within men whose main forms of activity were connected with physical effort and women whose occupation was mainly a clerical work
Jánová, Eva; Heroldová, Marta; Konečný, Adam; Bryja, Josef
Roč. 76, č. 5 (2011), s. 570-576 ISSN 1616-5047 R&D Projects: GA ČR GP521/08/P529 Institutional research plan: CEZ:AV0Z60930519 Keywords : Microtus arvalis * Apodemus sylvaticus * Agroecosystems * Agricultural landscape * Crop Subject RIV: EG - Zoology Impact factor: 1.609, year: 2011
Sheridan, C; Depuydt, P; De Ro, M; Petit, C; Van Gysegem, E; Delaere, P; Dixon, M; Stasiak, M; Aciksöz, S B; Frossard, E; Paradiso, R; De Pascale, S; Ventorino, V; De Meyer, T; Sas, B; Geelen, D
Plant growth promoting microorganisms (PGPMs) of the plant root zone microbiome have received limited attention in hydroponic cultivation systems. In the framework of a project aimed at the development of a biological life support system for manned missions in space, we investigated the effects of PGPMs on four common food crops (durum and bread wheat, potato and soybean) cultivated in recirculating hydroponic systems for a whole life cycle. Each crop was inoculated with a commercial PGPM mixture and the composition of the microbial communities associated with their root rhizosphere, rhizoplane/endosphere and with the recirculating nutrient solution was characterised through 16S- and ITS-targeted Illumina MiSeq sequencing. PGPM addition was shown to induce changes in the composition of these communities, though these changes varied both between crops and over time. Microbial communities of PGPM-treated plants were shown to be more stable over time. Though additional development is required, this study highlights the potential benefits that PGPMs may confer to plants grown in hydroponic systems, particularly when cultivated in extreme environments such as space.
Landes, Xavier; Néron, Pierre-Yves
Heath (among other political theorists) considers that the principle of efficiency provides a better normative explanation and justification of public insurance than the egalitarian account. According to this view, the fact that the state is involved in the provision of specific insurance (primarily......Public insurance is commonly assimilated with redistributive tools mobilized by the welfare state in the pursuit of an egalitarian ideal. This view contains some truth, since the result of insurance, at a given moment, is the redistribution of resources from the lucky to unlucky. However, Joseph...... surrounding public insurance as a redistributive tool, advancing the idea that public insurance may be a relational egalitarian tool. It then presents a number of relational arguments in favor of the involvement of the state in the provision of specific forms of insurance, arguments that have been overlooked...
Williams, Ariel A; Mancini, Nickolas S; Solomito, Matthew J; Nissen, Carl W; Milewski, Matthew D
Access to health care services is a critical component of health care reform and may differ among patients with different types of insurance. Hypothesis/Purpose: The purpose was to compare adolescents with private and public insurance undergoing surgery for anterior cruciate ligament (ACL) and/or meniscal tears. We hypothesized that patients with public insurance would have a delayed presentation from the time of injury and therefore would have a higher incidence of chondral injuries and irreparable meniscal tears and lower preoperative International Knee Documentation Committee (IKDC) scores than patients with private insurance. Cross-sectional study; Level of evidence, 3. This was a retrospective study of patients under 21 years of age undergoing ACL reconstruction and/or meniscal repair or debridement from January 2013 to March 2016 at a single pediatric sports medicine center. Patients were identified by a search of Current Procedural Terminology (CPT) codes. A chart review was performed for insurance type; preoperative diagnosis; date of injury, initial office visit, and surgery; preoperative IKDC score; intraoperative findings; and procedures. The study group consisted of 119 patients (mean age, 15.0 ± 1.7 years). Forty-one percent of patients had private insurance, while 59% had public insurance. There were 27 patients with isolated meniscal tears, 59 with combined meniscal and ACL tears, and 33 with isolated ACL tears. The mean time from injury to presentation was 56 days (range, 0-457 days) in patients with private insurance and 136 days (range, 0-1120 days) in patients with public insurance ( P = .02). Surgery occurred, on average, 35 days after the initial office visit in both groups. The mean preoperative IKDC score was 53 in both groups. Patients with meniscal tears with public insurance were more likely to require meniscal debridement than patients with private insurance (risk ratio [RR], 2.3; 95% CI, 1.7-3.1; P = .02). Patients with public insurance
Zhang, Xiao-ming; Yang, Nian-wan; Wan, Fang-hao
theophrasti Medicus), sunflower (Helianthus annuus L.), sweet potato (Ipomoea batatas L.), soybean (Glycine max L.), and maize (Zea mays L.). The whitefly species identity was repeatedly tested and confirmed; seasonal dynamics on the various host plants was standardized by the quartile method. B. tabaci MED......The density seasonal dynamics of Bemisia tabaci MED were evaluated over two-years in a cotton-growing area in Langfang, Hebei Province, northern China on cotton (Gossypium hirsutum L.) and six other, co-occurring common plants: common ragweed (Ambrosia artemisiifolia L.), piemarker (Abutilon...
McCarney, G. R.; Osgood, D. E.
Smallholder farmers in developing countries are often severely impacted by droughts and other climate related events. However, agricultural insurance programs are largely unavailable in lower-income countries because of limitations in traditional loss-based indemnity insurance. As a result, it is often the case that farmers who are the most vulnerable to climate shocks lack access to the insurance tools that could help to reduce their production risk. Index insurance, a recent financial innovation, has the potential to increase access to insurance for smallholder farmers (Barrett et al. 2007). Index insurance allows farmers to insure their production risk based on a weather index (such as total seasonal rainfall) rather than on crop yields. The use of a weather index addresses many of the perverse incentive problems found in traditional crop insurance, and greatly reduces the costs of insuring smallholder farmers. The trade-off in index insurance, however, is limited accuracy in calibrating payouts to actual losses, a phenomenon commonly known as basis risk. While index insurance has promise as a risk-smoothing instrument, many argue it has greater promise as a mechanism for improving access to credit for smallholder farmers in developing countries (e.g. Barnett, Barrett & Skees 2008). In these areas, farmers are often fully exposed to climate shocks, which greatly affect their willingness to borrow. By smoothing the uncertainty in climate shocks, insurance may allow farmers to take credit for productive risks. There has been much discussion as to the optimal strategy for combining index insurance with credit, specifically if the financial institutions or the individual farmers themselves should hold the insurance policy. Many existing insurance implementations insure the farmer directly. However, since a weather index is a proxy for yield loss based on regional data, there is basis risk due to uninsured idiosyncratic differences between farmers. As a response to
Norton, Michael; Sprundel, van Gert Jan; Turvey, Calum G.; Meuwissen, Miranda P.M.
In this paper, we explore the application of weather index insurance to plant pest and disease management strategies using two distinct models: (1) insuring crop loss due to disease incidence (“Crop Insurance”) and (2) insuring the use of pesticides (“Pesticide Insurance”). We find that despite
... requirements. (a) Insurance. (1) Lenders must require borrowers to maintain adequate property, public liability, and crop insurance to protect the lender and Government's interests. (2) By loan closing, applicants must either: (i) Obtain at least the catastrophic risk protection (CAT) level of crop insurance...
You, Seng Chan; Lee, Seongwon; Cho, Soo-Yeon; Park, Hojun; Jung, Sungjae; Cho, Jaehyeong; Yoon, Dukyong; Park, Rae Woong
It is increasingly necessary to generate medical evidence applicable to Asian people compared to those in Western countries. Observational Health Data Sciences a Informatics (OHDSI) is an international collaborative which aims to facilitate generating high-quality evidence via creating and applying open-source data analytic solutions to a large network of health databases across countries. We aimed to incorporate Korean nationwide cohort data into the OHDSI network by converting the national sample cohort into Observational Medical Outcomes Partnership-Common Data Model (OMOP-CDM). The data of 1.13 million subjects was converted to OMOP-CDM, resulting in average 99.1% conversion rate. The ACHILLES, open-source OMOP-CDM-based data profiling tool, was conducted on the converted database to visualize data-driven characterization and access the quality of data. The OMOP-CDM version of National Health Insurance Service-National Sample Cohort (NHIS-NSC) can be a valuable tool for multiple aspects of medical research by incorporation into the OHDSI research network.
Rendimento do feijoeiro irrigado cultivado no inverno em sucessão de culturas, sob diferentes preparos do solo = Irrigated winter common bean crop yield in crop succession, under different soil management
Matheus Gustavo da Silva
Full Text Available O trabalho foi desenvolvido em área experimental, localizada no município de Selvíria, Estado do Mato do Grosso do Sul, durante a safra 2003/04, objetivando verificar o desenvolvimento e a produtividade do feijoeiro de inverno irrigado, cultivado após diferentes culturas de verão (arroz, milho, milho + capim braquiária, milho + mucuna-preta, soja e Crotalaria juncea, sob diferentes preparos do solo (escarificador + grade niveladora, grade aradora + grade niveladora, e plantio direto. O delineamento experimental utilizado foi em blocos casualisados, disposto em esquema de faixas, com quatro repetições. Não houve interação significativa entre as culturas de verão e os preparos do solo. As culturas de verão que apresentaram maior porcentagem de recobrimento do solo e rendimento de matéria seca foram a Crotalaria juncea, milho + mucuna-preta, milho + capim braquiária e milho. Os preparos do solo e as culturas de verão não influenciaram o desenvolvimento do feijoeiro, bem como seus componentes de produção e sua produtividade.The study was carried out in Selvíria, Mato Grosso do Sul State,during 2003 and 2004, aiming to evaluate the development and grain yield of common bean irrigated in winter , cultivated after different summer crops (corn, rice, corn + braquiaria grass, corn + black velvet bean, soybean and sunnhep under different soil management(moldboard-plow + leveling disk, disk-plow + leveling disk and no-tillage. The experimental design was randomized blocks in stripes scheme, with four repetitions. There was not any interaction among the used summer crops and the soil management systems. The summercrops that presented larger recovering percentage and shoot dry matter production were sunnhep, corn + black velvet bean, corn + braquiaria grass and corn. The soil management and summer crops do not influence the common bean development, as well as its yieldcomponents and productivity.
Lozano, C.; Tarquis, A. M.; Gómez-Barona, J. A.
In general, insurance is a form of risk management used to hedge against a contingent loss. The conventional definition is the equitable transfer of a risk of loss from one entity to another in exchange for a premium or a guaranteed and quantifiable small loss to prevent a large and possibly devastating loss being agricultural insurance a special line of property insurance. Agriculture insurance, as actually are designed in the Spanish scenario, were established in 1978. At the macroeconomic insurance studies scale, it is necessary to know a basic element for the insurance actuarial components: sum insured. When a new risk assessment has to be evaluated in the insurance framework, it is essential to determinate venture capital in the total Spanish agriculture. In this study, three different crops (cereal, citrus and vineyards) cases are showed to determinate sum insured as they are representative of the cases found in the Spanish agriculture. Crop sum insured is calculated by the product of crop surface, unit surface production and crop price insured. In the cereal case, winter as spring cereal sowing, represents the highest Spanish crop surface, above to 6 millions of hectares (ha). Meanwhile, the four citrus species (oranges, mandarins, lemons and grapefruits) occupied an extension just over 275.000 ha. On the other hand, vineyard target to wine process shows almost one million of ha in Spain. A new method has been applied to estimate crop sum insured in these three cases. Under the maximum economic impact assumption, the maximum market price has been used to insurance each species. Depending on crop and reliability of the data base available, the insured area or insured production has been used in this estimation. When for a certain crop varieties or type of varieties show different insurance prices a geometric average was used as average insurance price for that particular crop. One extreme difficult case was vineyards, where differentiate prices based on
Full Text Available To evaluate the potential of genomic selection (GS, a selection experiment with GS and phenotypic selection (PS was performed in an allogamous crop, common buckwheat (Fagopyrum esculentum Moench. To indirectly select for seed yield per unit area, which cannot be measured on a single-plant basis, a selection index was constructed from seven agro-morphological traits measurable on a single plant basis. Over 3 years, we performed two GS and one PS cycles per year for improvement in the selection index. In GS, a prediction model was updated every year on the basis of genotypes of 14,598–50,000 markers and phenotypes. Plants grown from seeds derived from a series of generations of GS and PS populations were evaluated for the traits in the selection index and other yield-related traits. GS resulted in a 20.9% increase and PS in a 15.0% increase in the selection index in comparison with the initial population. Although the level of linkage disequilibrium in the breeding population was low, the target trait was improved with GS. Traits with higher weights in the selection index were improved more than those with lower weights, especially when prediction accuracy was high. No trait changed in an unintended direction in either GS or PS. The accuracy of genomic prediction models built in the first cycle decreased in the later cycles because the genetic bottleneck through the selection cycles changed linkage disequilibrium patterns in the breeding population. The present study emphasizes the importance of updating models in GS and demonstrates the potential of GS in mass selection of allogamous crop species, and provided a pilot example of successful application of GS to plant breeding.
Yabe, Shiori; Hara, Takashi; Ueno, Mariko; Enoki, Hiroyuki; Kimura, Tatsuro; Nishimura, Satoru; Yasui, Yasuo; Ohsawa, Ryo; Iwata, Hiroyoshi
To evaluate the potential of genomic selection (GS), a selection experiment with GS and phenotypic selection (PS) was performed in an allogamous crop, common buckwheat ( Fagopyrum esculentum Moench). To indirectly select for seed yield per unit area, which cannot be measured on a single-plant basis, a selection index was constructed from seven agro-morphological traits measurable on a single plant basis. Over 3 years, we performed two GS and one PS cycles per year for improvement in the selection index. In GS, a prediction model was updated every year on the basis of genotypes of 14,598-50,000 markers and phenotypes. Plants grown from seeds derived from a series of generations of GS and PS populations were evaluated for the traits in the selection index and other yield-related traits. GS resulted in a 20.9% increase and PS in a 15.0% increase in the selection index in comparison with the initial population. Although the level of linkage disequilibrium in the breeding population was low, the target trait was improved with GS. Traits with higher weights in the selection index were improved more than those with lower weights, especially when prediction accuracy was high. No trait changed in an unintended direction in either GS or PS. The accuracy of genomic prediction models built in the first cycle decreased in the later cycles because the genetic bottleneck through the selection cycles changed linkage disequilibrium patterns in the breeding population. The present study emphasizes the importance of updating models in GS and demonstrates the potential of GS in mass selection of allogamous crop species, and provided a pilot example of successful application of GS to plant breeding.
Full Text Available Regional index insurance is one of the newer instruments for reducing losses in crop production. The regional index indicates the average yield or average production value in a region, representing the basis for the premium calculation and insurance benefits. The main advantage of this insurance model is that it does not require the damage assessment, which is one of major problems in the relationship between the insured and insurer. In the case of corn, wheat and sunflower production as the most important crops in the region of Ada municipality, the authors describe the methodology of application of the analysed insurance system. Implementation of this contemporary form of insurance in Serbia would reduce the negative financial consequences in agricultural production. The abovementioned model of insurance can be seen as a significant alternative to conventional insurance, which can increase insured area and number of insured, and trust and confidence in insurance companies would also be restored.
Full Text Available In the years 2001 and 2002, the study was conducted in six experiments in order to examine the conditioning of the length of stem variability and its impact on cropping features of determinate and indeterminate cultivars of common vetch. Rainfall in June and July as well as during the whole growing season was positively correlated with length of stem, but negatively correlated with seed yield, to a larger extent in the group of indeterminate cultivars than in the determinate one. Duration of blooming stage, length of stem, and seed yield showed the largest variability in both groups. Increase in length of stem of plants of indeterminate cultivars led to the delay in maturation, to less even maturation, and to the decrease in the thousand seed weight and seed yield. Increase in length of stem of plants of determinate cultivars delayed reaching the phase of technical maturation and decreased evenness of plant maturation. Determinate growth of common vetch did not lead to the reduction of lodging.
Health insurance helps protect you from high medical care costs. It is a contract between you and your ... Many people in the United States get a health insurance policy through their employers. In most cases, the ...
The article discusses the effects of financing and technology advances on the availability of insurance for independent power producers operating gas turbines. Combined cycle units which require new materials and processes make it difficult to assess risk. Insurers are denying coverage, or raising prices and deductibles. Many lenders, however, are requiring insurance prior to financing. Some solutions proposed include information sharing by industry participants and insurers and increased risk acceptance by plant owners/operators
Full Text Available The aim of this 3-year field study was to evaluate the effect of some stubble crops and in-crop weed control methods on the species composition, number and air-dry weight of weeds in a wheat crop grown in short-term monoculture. The study was conducted in the period 2009-2011 in the Uhrusk Experimental Farm on mixed rendzina soil classified as very good rye soil complex. It included various types of stubble crops ploughed in each year (control treatment without cover crop, white mustard, lacy phacelia, a mixture of legumes – narrow-leaf lupin + field pea and methods of weed control in spring wheat (mechanical, mechanical and chemical, chemical weed control. On average during the study period, all stubble crops used reduced the air-dry weight of weds in the treatments with mechanical weed management relative to the control treatment. Irrespective of the weed control method, the number of weeds in the wheat crop was significantly lower only after the ploughing in of white mustard. Mechanical weed management proved to be less effective in reducing the number and dry weight of weeds compared to other weed control methods. The white mustard and legume mixture cover crops had a reducing effect on the number of weed species in relation to the treatment without cover crops. The highest floristic diversity of weed communities was found in the spring wheat crop in which only mechanical weeding alone was used.
Wakker, P.P.; Thaler, R.H.; Tversky, A.
Probabilistic insurance is an insurance policy involving a small probability that the consumer will not be reimbursed. Survey data suggest that people dislike probabilistic insurance and demand more than a 20% reduction in premium to compensate for a 1% default risk. These observations cannot be
P.P. Wakker (Peter); R.H. Thaler (Richard); A. Tversky (Amos)
textabstractProbabilistic insurance is an insurance policy involving a small probability that the consumer will not be reimbursed. Survey data suggest that people dislike probabilistic insurance and demand more than a 20% reduction in the premium to compensate for a 1% default risk. While these
It was the risk of contamination of ships from the Pacific atmospheric atomic bomb tests in the 1940's that seems first to have set insurers thinking that a limited amount of cover would be a practical possibility if not a commercially-attractive proposition. One Chapter of this book traces the early, hesitant steps towards the evolution of ''nuclear insurance'', as it is usually called; a term of convenience rather than exactitude because it seems to suggest an entirely new branch of insurance with a status of its own like that of Marine, Life or Motor insurance. Insurance in the field of nuclear energy is more correctly regarded as the application of the usual, well-established forms of cover to unusual kinds of industrial plant, materials and liabilities, characterised by the peculiar dangers of radioactivity which have no parallel among the common hazards of industry and commerce. It had, and still has, the feature that individual insurance underwriters are none too keen to look upon nuclear risks as a potential source of good business and profit. Only by joining together in Syndicates or Pools have the members of the national insurance markets been able to make proper provision for nuclear risks; only by close international collaboration among the national Pools have the insurers of the world been able to assemble adequate capacity - though still, even after thirty years, not sufficient to provide complete coverage for a large nuclear installation. (author)
Nerinéia Dalfollo Ribeiro
Full Text Available O valor nutricional e o potencial de uso agrícola de cultivares crioulas de feijão não têm sido suficientemente avaliados, sendo este o objetivo deste trabalho. O experimento foi conduzido nos anos agrícolas 2004/05 e 2005/06, em Santa Maria, RS, no delineamento experimental de látice triplo 6 x 6. Os tratamentos consistiram de 32 cultivares crioulas de feijão e quatro cultivares desenvolvidas pela pesquisa. Interação cultivar x ano foi observada em relação ao rendimento de grãos, à coloração do tegumento dos grãos e ao ciclo, evidenciando resposta diferenciada das cultivares crioulas aos anos de avaliação. Foi possível a identificação de cultivares crioulas com elevado potencial de rendimento de grãos, com coloração de tegumento de grãos adequada para os diferentes grupos comerciais, com precocidade e teor elevado de fibra alimentar. Nesse sentido, as cultivares crioulas - "21 INT-ps 1", "9 BR-ps 5", "9 BR-ps 15", "9 BR-ps 13", "9 BR-ps 7", "38 MO M-ps 11" e "36 BR MP-ps 14" - são promissoras para uso em programas de melhoramento genético devido ao elevado potencial de uso agrícola. A cultivar crioula "24 OP-ps 1" apresentou o maior teor de fibra alimentar e o seu potencial de uso como alimento funcional deve ser investigado.The objective of this study was to evaluate the nutrition and the crop values of common bean land varieties. The experiments were conducted in Santa Maria, RS, Brazil, in 2004/05 and 2005/06 cropping years, in a 6x6 triple lattice design. Treatments were composed of 32 common bean land varieties and four research-derived cultivars. Cultivar x environment interaction was detected for grain yield, seed coat color and cycle, what reveals a differential response of the land varieties to the different crop years. Land varieties were identified with high grain yield potential, commercially acceptable seed coat color from different commercial groups, early maturity and high dietary fiber content. '21
The yearbook contains among others the figures of the nuclear insurance line. According to these these the DKVG (German nuclear power plant insurance association) has 102 member insurance companies all registered in the Federal Republic of Germany. By using reinsurance capacities of the other pools at present property insurance amounts to 1.5 billion DM and liability insurance to 200 million DM. In 1991 the damage charges on account of DKV amounted to 3.1 (1990 : 4.3) million DM. From these 0.6 million DM are apportioned to payments and 2.5 million DM to reserves. One large damage would cost a maximum gross sum of 2.2 billion DM property and liability insurance; on account of DKVG 750 million DM. (orig./HSCH) [de
Wakker, P.P.; Thaler, R.H.; Tversky, A.
textabstractProbabilistic insurance is an insurance policy involving a small probability that the consumer will not be reimbursed. Survey data suggest that people dislike probabilistic insurance and demand more than a 20% reduction in the premium to compensate for a 1% default risk. While these preferences are intuitively appealing they are difficult to reconcile with expected utility theory. Under highly plausible assumptions about the utility function, willingness to pay for probabilistic i...
The importance of insurance in the school budget is the theme of this comprehensive bulletin on the practices and policies for Texas school districts. Also considered is the development of desirable school board policies in purchasing insurance and operating the program. Areas of discussion are: risks to be covered, amount of coverage, values,…
Ellis T. Williams
Standing timber is one of the few important kinds of property that are not generally covered by insurance. Studies made by the Forest Service and other agencies have indicated that the risks involved in the insurance of timber are not unduly great, provided they can be properly distributed. Such studies, however, have thus far failed to induce any notable development...
Full Text Available The actual Civil code regulates for the first time in the Romanian legislation the intermediation contract, until its entering into force existing multiple situations that lent themselves to this legal operation, but did not benefit of such particular legal rules. Yet, the case law has shown that the situations that arise in the activity of the legal or natural persons are much more complex, this leading, in time, to the reglementation of such particular rules. Such a case is that found in the matter of insurance contracts, the position of the insurance intermediaries being regulated especially by Law no. 32/2000, according to which they represent the natural or legal persons authorized in the conditions of the above mentioned legal document, that perform intermediation activities in the insurance field, in exchange of a remuneration, as well as the intermediaries from the EU member states that perform such an activity on the Romanian territory, in accordance with the freedom in performing services. Therefore, the present paper aims to analyze the conclusion of such insurance contracts and to underline the particular position of the insurance brokers, having the following structure: 1 Introduction; 2 The reglementation of the intermediation contract/brokerage agreement in the Romanian Law; 3 The importance of the intermediaries in the insurance contracts; 4 The conclusion of the insurance contracts; 5 Conclusions.
Lamichhane, Jay Ram; Bischoff-Schaefer, Monika; Bluemel, Sylvia; Dachbrodt-Saaydeh, Silke; Dreux, Laure; Jansen, Jean Pierre; Kiss, Jozsef; Kohl, Jurgen; Kudsk, Per; Malausa, Thibaut; Messéan, Antoine; Nicot, Philippe C.; Ricci, Pierre; Thibierge, Jérôme; Villeneuve, François
EU agriculture is currently in transition from conventional crop protection to integrated pest management (IPM). Because biocontrol is a key component of IPM, many European countries recently have intensified their national efforts on biocontrol research and innovation (R&I), although such
The German Nuclear Power Plant Insurance (DKVG) Association was able to increase its net capacity in property insurance to 637 million marks in 1993 (1992: 589 million). The reinsurance capacity of the other pools included, the total amount covered now amounts to 2 billion marks in property incurance and 200 million marks in liability incurance. As in the year before the pool can reckon with a stable gross premium yield around 175 million marks. The revival of the US dollar has played a decisive role in this development. In 1993 in the domestic market, the DKVG offered policies for 22 types of property risk and 43 types to third-party risk, operating with a gross target premium of 65 million marks and 16 million marks, respectively. The DKVG also participated in 540 foreign insurance contracts. (orig./HSCH) [de
A contract to insure $1 against inflation is equivalent to a European call option on the consumer price index. When there is no deductible this call option is equivalent to a forward contract on the CPI. Its price is the difference between the prices of a zero coupon real bond and a zero coupon nominal bond, both free of default risk. Provided that the risk-free real rate of interest is positive, the price of such an inflation insurance policy first rises and then falls with time to maturity....
M Nassiri Mahalati
Full Text Available Evaluation of carbon input is one of the most important factors for estimating soil carbon changes and potential for carbon sequestration. To evaluate the net primary productivity (NPP and soil carbon input in agricultural eco-systems of Iran, data for yield, cultivated area, harvest index (HI and shoot /root ratio in different crops including: wheat, barley, maize, cotton, rice, alfalfa and chickpea were obtained for different provinces. Then, allocated carbon to different organs of plant were calculated based on carbon allocation coefficients and finally, the net primary productivity based on carbon (NPPc was calculated. The ratio of NPPc that was annually returned to soil was considered as carbon annual input. The results showed that the maximum amount of NPPc for wheat, barely and alfalfa were obtained in Khazari climate for rice, chickpea and cotton was achieved in warm-wet climate and for maize was gained in warm-dry climate. In all regions of Iran, chickpea had the lowest effect on NPPc and consequently on carbon sequestration. The highest amount of carbon input per unit area among studied crops and different regions were observed in Khazari region for alfalfa whereas, the lowest carbon input per unit area was relation to chickpea in cold region. The lowest gap between actual and potential of carbon sequestration was observed in alfalfa whereas wheat, rice and cotton showed the most gap by 0.4, 0.38 and 0.37, respectively.
Insurance mechanisms are prevalent in industrialized societies, in both public and private sectors. Insurance is offered for various risks ranging from fire to accident. They also constitute the core of the modern welfare state (public health insurance, unemployment benefits and public pensions......). The analysis of (public) insurance has however remained marginal in political theory because insurance is often perceived as a simple tool for pursuing equality, i.e. a tool without any moral significance proper. This text proposes an alternative view by drawing a continuum between insurance as a technology......, which is the common interpretation in economics, and insurance as a social practice, which characterizes social theory. The goal is to underline how the technology of insurance alters social practices by, for instance, promoting equal standing or transforming the paradigm of individual responsibility...
Change of name for AUSTRIA As of October 1, the AUSTRIA Assurances S.A. company will change its name to: UNIQA Assurances S.A. It inherits the same name as its parent Austrian company, which adopted it towards the end of 1999. This change has no effect on the contract which binds it to CERN for the administration of our Health Insurance Scheme. New insurance cards will be sent to you by UNIQA and the printed forms and envelopes will gradually be updated with the new name. Postal and phone addresses remain unaffected by the change. You should address your postal mail to: UNIQA Assurances rue des Eaux Vives 94 case postale 6402 1211 Genève 6 You may telephone your usual contact persons at the same numbers as before and send e-mails to the UNIQA office at CERN at: UNIQA.Assurances@cern.ch
These notes are intended as a general guide for the use of members of the Canadian Nuclear Association who are, or may become, involved in supplying goods or services or contracting/ erecting as part of a contract to supply a nuclear facility to an overseas country. They give information to the type of insurances needed and available, the parties normally responsible for providing the coverages, the intent and operation of the various policies, general methods of charging premiums, and main exclusions
The CERN-AUSTRIA Agreement, which implemented CERN's health insurance scheme, expired on 31 December 1999.In accordance with CERN's rules, a call for tenders for the management of the health insurance scheme was issued and the contract was once again awarded to AUSTRIA. In June 1999, the Finance Committee thus authorised the Management to conclude a new contract with AUSTRIA, which came into force on 1st January 2000.Continuity is thus assured on favourable conditions and the transition from one contract to the other will entail no substantial changes in the system for those insured at CERN except for a few minor and purely formal amendmentsWHAT REMAINS UNCHANGEDThe list of benefits, i.e. the 'cover' provided by the system, is not changed;Neither is the reimbursement procedure.AUSTRIA's office at CERN and its opening hours as well as its city headquarters remain the same. The envelopes containing requests for reimbursement have had to be sent (since the end of 1998) to :Rue des Eaux-Vives 94Case postale 64021...
Mecanismos de abertura do sulco e adubação nitrogenada no cultivo do feijoeiro em sistema plantio direto Furrows opening mechanism for nitrogen fertilizer application in common bean crop under no-tillage
Full Text Available Algumas culturas têm pouca adaptação ao sistema plantio direto, em vista da maior compactação da camada superficial do solo e, nesse caso, o mecanismo utilizado na semeadora para a abertura dos sulcos para deposição do fertilizante pode ter grande importância no sentido de facilitar a penetração das raízes. Este experimento foi desenvolvido em Selvíria (MS, com o objetivo de avaliar a produtividade do feijão de inverno cultivado em sistema plantio direto, em função da utilização de mecanismos de abertura para distribuição de fertilizantes na semeadura e da adubação nitrogenada em cobertura. O delineamento experimental utilizado foi em blocos casualizados, utilizando-se esquema fatorial 2 x 6, constituído por mecanismos de distribuição de fertilizante (haste escarificadora e disco duplo e doses de N em cobertura (0, 25, 50, 75, 100 e 125 kg ha-1, com quatro repetições. Recomenda-se o uso da haste escarificadora como mecanismo de distribuição do fertilizante, para o cultivo do feijoeiro de inverno. A adubação nitrogenada em cobertura proporciona incrementos à produtividade do feijoeiro de inverno.Some crops have shown no adaptation to no-tillage system as a function of compaction soil superficial layer. In way, the mechanism used in seeder to open furrows for deposition of fertilizer can have great importance to facilitate the penetration of roots. This experiment was carried in Selvíria (MS, with the objective to evaluate the winter common bean crop yield under no-tillage system, as function of fertilizer distribution opening mechanisms in sowing (chisel and coulter blade and sidedressing nitrogen application (0, 25, 50, 75, 100 and 125 kg ha-1. The experimental design was a randomized block, arranged in a 2 x 6 factorial scheme, constituted by fertilizer distribution opening mechanisms in sowing (chisel and coulter blade and sidedressing nitrogen doses (0, 25, 50, 75, 100 and 125 kg ha-1, with four replications
Andreasen, L.M.; Boon, A.D.
Surplus cereal production in the EEC and decreasing product prices, mainly for cereals, has prompted considerable interest for new earnings in arable farming. The objective was to examine whether suggested new crops (fibre, oil, medicinal and alternative grains crops) could be considered as real alternatives. Whether a specific crop can compete economically with cereals and whether there is a market demand for the crop is analyzed. The described possibilities will result in ca. 50,000 hectares of new crops. It is expected that they would not immediately provide increased earnings, but in the long run expected price developments are more positive than for cereals. The area for new crops will not solve the current surplus cereal problem as the area used for new crops is only 3% of that used for cereals. Preconditions for many new crops is further research activities and development work as well as the establishment of processing units and organizational initiatives. Presumably, it is stated, there will then be a basis for a profitable production of new crops for some farmers. (AB) (47 refs.)
Matheus Gustavo da Silva
Full Text Available The adoption of appropriate cultural management, which includes nitrogen fertilization and soil tillage system, is very important to increase the efficiency of plant in the utilization of available resource. This research work was conducted for three years aiming at evaluating the effect of sidedressing nitrogen application (0, 25, 50, 75, and 100 kg ha-1 on winter bean crop under different systems of soil management (conventional, minimal, and no-tillage systems. The experimental design was a randomized block arranged in strips relative to tillage systems, with random distribution of nitrogen doses into each strip, with four replications. Grain yield was affected by nitrogen rates and significant increases were obtained with the application of 75 to 100 kg N ha-1. Soil management did not affect grain yield, although the "minimum system" provided better results in the two first years.A adoção de manejo cultural adequado, dentro do qual se insere a prática da adubação e do preparo do solo, é importante no sentido de aumentar a eficiência da planta na utilização dos recursos disponíveis. Este trabalho foi desenvolvido durante três anos, objetivando avaliar, no feijoeiro irrigado (Phaseolus vulgaris "de inverno", o efeito da aplicação de doses de nitrogênio em cobertura (0, 25, 50, 75 e 100 kg ha-1, sob diferentes sistemas de preparo de solo (convencional, mínimo e direto. O delineamento estatístico utilizado foi em blocos casualisados dispostos em faixas para os sistemas de preparo do solo, com casualização dentro destes para as doses de nitrogênio, com quatro repetições. Foram avaliados: florescimento pleno, matéria seca de plantas, número de vagens e de grãos por planta, número de grãos por vagem, massa de 100 grãos, ciclo, rendimento de grãos e teor de nitrogênio nas plantas. O rendimento de grãos foi influenciado pelas doses de nitrogênio e incrementos significativos foram obtidos com a aplicação de 75 a 100 kg
Determinação do coeficiente cultural (Kc do feijoeiro (Phaseolus vulgaris L., em Campos dos Goytacazes, RJ Determination of the crop coefficient (Kc for common bean (Phaseolus vulgaris L. in Campos dos Goytacazes, RJ
José C. Mendonça
Full Text Available A evapotranspiração de uma cultura é uma das principais informações exigidas para o manejo de irrigação e para fins de planejamento do uso da água. Dentre as abordagens disponíveis para a estimativa do consumo de água pelas plantas, destaca-se o uso de coeficientes de cultura (Kc associados a estimativas da evapotranspiração de referência (ETo. Buscou-se determinar, aqui, os valores de Kc para as diferentes fases fenológicas do feijoeiro comum (Phaseolus vulgaris L., cultivar em lançamento UENF-47, através da utilização de um lisímetro de pesagem e compará-los com os valores propostos pela FAO 56. Concluiu-se que as equações de ajustamento propostas por Allen et al. (1998 se mostraram eficientes para a correção e ajustamento dos coeficientes culturais obtidos neste experimento e que os coeficientes culturais das fases 3 (Kc méd e 4 (Kc fim sugeridos também por Allen et al. (1998 se ajustaram bem ��s condições de cultivo do feijoeiro cultivado no período de outono/inverno, em Campos dos Goytacazes, RJ.The evapotranspiration of a crop is one of the main information required for proper irrigation management and to develop an efficient water usage plan. Among the methods to estimate the amount of water that is consumed by plants, the use of crop coefficients (Kc, associated with estimates of the reference evapotranspiration (ETo, stands as one of the most promising. This work aimed to deterime the values of Kc for different phenological phases of common bean plants (Phaseolus vulgaris L. of the cultivar UENF-47. Determination of Kc values was performed using a weighing lisimeter and results were compared with values obtained through the FAO 56 standard. Results showed that the adjustment equations proposed by Allen et al. (1998 were adequate for fitting the values of Kc obtained in this experiment. It has been shown that the crop coefficients for phenological phases 3 and 4 proposed by Allen et al. (1998 are adequate
Department of Homeland Security — The Summary of Deposits (SOD) is the annual survey of branch office deposits for all FDIC-insured institutions including insured U.S. branches of foreign banks. Data...
Social Security Administration — The Unemployment Insurance Query (UIQ) provides State Unemployment Insurance agencies real-time online access to SSA data. This includes SSN verification and Title...
F. J. Toroitich
Full Text Available Farmers in Kenya continue to raise concerns of difficulty in managing Tetranychus evansi, the most widespread pest species of tomato applying the most commonly used acaricides. This invasive pest species is not only found in Kenya, but in Eastern and Southern Africa, as well as parts of Europe and Asia. In the current study, populations of T. evansi were collected from farms in the four major tomato-growing areas of Kenya (Loitoktok, Kibwezi, Athi-River and Subukia and their susceptibility compared to a laboratory culture (ICIPE that had been maintained for three years without exposure to acaricides. Susceptibility of T. evansi eggs and adults (contact and residual to Brigade (bifenthrin, Dimethoate (dimethoate, Karate (lambdacyhalothrin, Kelthane (dicofol, Omite (propargite and Polytrin (profenofos+ cypermethrin was tested in the laboratory using respective manufacturer’s recommended concentrations. Dimethoate resulted in variable ovicidal mortality while Kelthane, Brigade, Karate, Omite and Polytrin had high mortality across all populations. Similarly, adult contact and residual mortality was lower than that of the other chemicals when exposed to Dimethoate regardless of the location. Furthermore, it also had no residual effect on the mites from ICIPE and Kibwezi. On the other hand, Kelthane was most lethal against the mites from all locations followed by Brigade and Polytrin in that order. Omite caused significantly lower mortality on mites from Subukia while Karate produced variable effects on mites from Kibwezi, Loitoktok and Subukia. The implications of these findings are further discussed.
MOREL PEREIRA BARBOSA FILHO
Full Text Available Em três experimentos de campo, avaliaram-se os efeitos da calagem, da adubação de plantio e de N em cobertura, para o feijoeiro comum. No primeiro experimento, testaram-se doses de calcário (0, 3, 6, 9, 12, e 15 t ha-1; no segundo, a resposta de cinco cultivares/linhagens de feijoeiro (Aporé, Carioca, Novo Jalo, MA534657 e MA5346662 à aplicação no sulco de plantio de 200, 400 e 600 kg ha-1 do fertilizante 4-30-16 mais 30 kg ha-1 de N em cobertura aos 25 dias após germinação, e no terceiro, as doses de N (0, 30, 60, 90 e 120 kg ha-1 aplicadas em cobertura a intervalos de dez dias, a partir dos 20 até aos 70 dias após a emergência das plântulas. A dose de 30 kg ha-1 foi parcelada em uma e duas vezes, e as demais doses, em duas, três e seis vezes. A calagem aumentou a absorção de N, P, K, Ca, Mg e Cu e a produtividade do feijoeiro em até 37%. A cultivar Aporé foi a mais produtiva e a que mais respondeu à adubação. Com exceção da Carioca, as produtividades máximas das demais cultivares/linhagens foram alcançadas com a dose de 400 kg ha-1 de fertilizante mais 30 kg ha-1 de N em cobertura. Houve resposta até a dose máxima testada de 120 kg ha-1 de N, atingindo produtividade máxima de 3.170 kg ha-1. O parcelamento de N em cobertura não afetou a produtividade do feijoeiro.Three experiments were carried out to study the effect of different rates of lime, levels of basal chemical fertilizers and split N applications on common bean. The first experiment studied the response of bean to six rates of lime (0, 3, 6, 9, 12 and 15 ton ha-1. In the second experiment the response of five bean cultivars/lines (Aporé, Carioca, Novo Jalo, MA534657, and MA534666-2 to three rates of basal fertilizer treatments (200, 400 and 600 kg ha-1 of 4-30-16 complex fertilizer plus N side dressing of 30 kg ha-1 at 25 days after germination was studied. The third experiment studied the effect of different rates of N fertilization (0, 30, 60, 90 and
... Women's Health Policy Women’s Health Insurance Coverage Women’s Health Insurance Coverage Published: Oct 31, 2017 Facebook Twitter LinkedIn ... that many women continue to face. Sources of Health Insurance Coverage Employer-Sponsored Insurance: Approximately 57.9 million ...
Keiding, Hans; Hansen, Bodil O.
In this paper, we present a simple model of health insurance with asymmetric information, where we compare two alternative ways of organizing the insurance market. Either as a competitive insurance market, where some risks remain uninsured, or as a compulsory scheme, where however, the level...... competitive insurance; this situation turns out to be at least as good as either of the alternatives...
... Staying Safe Videos for Educators Search English Español Health Insurance Basics KidsHealth / For Teens / Health Insurance Basics What's ... thought advanced calculus was confusing. What Exactly Is Health Insurance? Health insurance is a plan that people buy ...
Full Text Available Canaryseed (Phalaris canariensis L. is a graminaceous crop species with production practices and cycle similar to those of other winter cereal crops such as spring wheat (Triticum aestivum L. and oat (Avena sativa L.. Currently its grains are used almost exclusively as feed for birds, alone or mixed with other grains like millet, sunflower seed, and flaxseed. Canaryseed is a genuine cereal with a unique composition that suggests its potential for food use. P. canariensis is cultivated in many areas of temperate climates. Currently, its production is concentrated in the southwestern provinces of Canada (Alberta, Saskatchewan and Manitoba and on a smaller scale in Argentina, Thailand and Australia. Globally it is considered to be a minor crop with regional relevance, with a production about of 250000 tonnes per year, which restricts private investment and public research on its genetic and technological improvement. For this reason, the type of crop management that is applied to this species largely depends on innovations made in other similar crops. This work provides an updated summary of the available information on the species: its requirements, distribution, genetic resources, cultivation practices, potential uses, marketing and other topics of interest to researchers and producers.
Reitsma, S. M. S.
The development of nuclear installations to produce electricity led to the establishment of Nuclear Insurance Pools and the introduction of international Conventions on Third Party Liability. Nuclear Pools offer both Third Party Liability insurance, reflecting the Conventions' principles, and other insurance products. They are market-wide, providing a facility for participation by insurers who could not otherwise write the insurance for the particularly sensitive nuclear risk. All acceptances are for the net retention of each Member without recourse to individual reinsurance protection. Common account reinsurance is arranged with other Nuclear Pools all over the world. Thus, a transparency is created, which ensures the highest degree of reinsurance security and imposes a known finite limit to each participating insurer's commitment. Therefore, Pool-members are prepared to make a greater commitment to nuclear risks than would be case where they felt uncertain as regards their total exposure following a significant loss. (author)
Maestro, T.; Bielza, M.; Garrido, A.
Hydrological droughts are a major risk for irrigated agriculture in many regions of the world. The aim of this article is to propose an insurance tool to help irrigators manage the risk of water scarcity in the framework of the Spanish Crop Insurance System (SCIS). Only the United States Insurance System provides this type of coverage, but has very restrictive conditions. To determine the type of insurance scheme that better fits with the SCIS and to the Spanish irrigated agriculture, an expert panel was held with the participation of all stakeholders involved in crop insurance. Following the expert panel conclusions, an hydrological drought index insurance (HDII) addressed to irrigation districts (ID) is proposed. It would compensate water deficits suffered in the whole ID. We detail the conditions that the ID should fulfill to be eligible for HDII. HDII is applied to the Bardenas Irrigation District V (ID-V) in Spain, and the hedging effectiveness of the instrument is analyzed comparing ID-V’s gross margins with and without the insurance contract. Results suggest that the proposed insurance scheme could provide an effective means of reducing farmers’ vulnerability to water shortages and there is no major impediment for it to be included as a new line in the SCIS. This type of insurance can be generalized to any ID fulfilling the conditions mentioned in this paper. (Author)
Willemse-Duijmelinck, Daniëlle M I D; van de Ven, Wynand P M M; Mosca, Ilaria
Nearly everyone with a supplementary insurance (SI) in the Netherlands takes out the voluntary SI and the mandatory basic insurance (BI) from the same health insurer. Previous studies show that many high-risks perceive SI as a switching cost for BI. Because consumers' current insurer provides them with a guaranteed renewability, SI is a switching cost if insurers apply selective underwriting to new applicants. Several changes in the Dutch health insurance market increased insurers' incentives to counteract adverse selection for SI. Tools to do so are not only selective underwriting, but also risk rating and product differentiation. If all insurers use the latter tools without selective underwriting, SI is not a switching cost for BI. We investigated to what extent insurers used these tools in the periods 2006-2009 and 2014-2015. Only a few insurers applied selective underwriting: in 2015, 86% of insurers used open enrolment for all their SI products, and the other 14% did use open enrolment for their most common SI products. As measured by our indicators, the proportion of insurers applying risk rating or product differentiation did not increase in the periods considered. Due to the fear of reputation loss insurers may have used 'less visible' tools to counteract adverse selection that are indirect forms of risk rating and product differentiation and do not result in switching costs. So, although many high-risks perceive SI as a switching cost, most insurers apply open enrolment for SI. By providing information to high-risks about their switching opportunities, the government could increase consumer choice and thereby insurers' incentives to invest in high-quality care for high-risks. Copyright © 2017 Elsevier B.V. All rights reserved.
Rules of misrepresentation in insurance contract law differ widely between jurisdictions. When the insured has negligently misrepresented a fact prior to contracting, common law allows the insurer to rescind the contract if the misrepresentation was material, while civil law countries apply more...
Insurance for large nuclear installations covers mainly four types of risk: third party liability which in accordance with the nuclear conventions, is borne by a nuclear operator following an incident occurring in his installation or during transport of nuclear substances; material damage to the installation itself, which precisely is not covered by third party liability insurance; machinery breakdown, i.e. accidental damage or interruption of operation. Only the first category must be insured. In view of the magnitude of the risk, nuclear insurance resorts to co-insurance and reinsurance techniques which results in a special organisation of the nuclear insurance market, based on national nuclear insurance pools and on the Standing Committee on Atomic Risk of the European Insurance Committee. Conferences of the chairmen of nuclear insurance pools are convened regularly at a worldwide level. (NEA) [fr
Toxicity of chemicals commonly used in Indonesian vegetable crops to Liriomyza huidobrensis populations and the Indonesian parasitoids Hemiptarsenus varicornis, Opius sp., and Gronotoma micromorpha, as well as the Australian parasitoids Hemiptarsenus varicornis and Diglyphus isaea.
Prijono, Djoko; Robinson, Michelle; Rauf, Aunu; Bjorksten, Tracey; Hoffmann, Ary A
Liriomyza huidobrensis (Blanchard) and Liriomyza sativae (Blanchard) are important pests of vegetable crops in Indonesia and are likely to spread to neighboring countries. Three pesticides (dimehypo, abamectin, and cyromazine) are currently used to control these pests, but there is little information on their effectiveness against field populations and on their impact on parasitoids controlling Liriomyza species. The toxicity of these chemicals to L. huidobrensis and three common parasitoids (Hemiptarsenus varicornis Gerault, Opius sp., and Gronotoma micromorpha Perkins) was therefore evaluated in Indonesia with mortality laboratory assays. All three chemicals were effective against larvae of three populations of L. huidobrensis with different histories of chemical exposure. Dimehypo caused mortality in adult Opius sp., G. micromorpha, and H. varicornis, whereas abamectin was toxic only at concentrations substantially higher than the field rate. Cyromazine did not influence survival of the parasitoids. A commonly used fungicide, mancozeb, had no impact on parasitoid mortality. Trials were repeated with a strain of H. varicornis from Australia and a different parasitoid (Diglyphus isaea) recently found in Australia. Neither parasitoid was influenced by mancozeb or cyromazine. Abamectin applied at field rates caused some mortality among the adults of both species, but was less toxic than chlorpyrifos. Abamectin produced lower LC50s against Australian H. varicornis than against Indonesian H. varicornis. These results suggest that cyromazine can be incorporated into Liriomyza control programs in Indonesia that conserve parasitoids, whereas dimehypo and abamectin need to be used cautiously. Local Australian parasitoids should help control L. huidobrensis as long as only cyromazine and nontoxic fungicides are applied.
Chinese Nuclear Insurance Started with Daya Bay Nuclear Power Station, PICC issued the insurance policy. Nuclear insurance cooperation between Chinese and international pool's organizations was set up in 1989. In 1996, the Chinese Nuclear Insurance Pool was prepared. The Chinese Nuclear Insurance Pool was approved by The Chinese Insurance Regulatory Committee in May of 1999. The principal aim is to centralize maximum the insurance capacity for nuclear insurance from local individual insurers and to strengthen the reinsurance relations with international insurance pools so as to provide the high quality insurance service for Chinese nuclear industry. The Member Company of Chinese Nuclear Pool and its roles are introduced in this article
Hayhoe, Celia Ray; Smith, Mike, CPF
The purpose of disability income insurance is to partially replace your income if you are unable to work because of sickness or an accident. This guide reviews the types of disability insurance, important terms and concepts and employer provided benefits.
... page: //medlineplus.gov/ency/patientinstructions/000879.htm Understanding health insurance plans To use the sharing features on this ... plan for you and your family. Types of Health Insurance Plans Depending on how you get your health ...
Napier, Rebecca H; Bruelheide, Lori S; Demann, Eric T K; Haug, Richard H
The purpose of this article is to highlight the importance of understanding various numeric and alpha-numeric codes for accurately billing dental and medically related services to private pay or third-party insurance carriers. In the United States, common dental terminology (CDT) codes are most commonly used by dentists to submit claims, whereas current procedural terminology (CPT) and International Classification of Diseases, Ninth Revision, Clinical Modification (ICD.9.CM) codes are more commonly used by physicians to bill for their services. The CPT and ICD.9.CM coding systems complement each other in that CPT codes provide the procedure and service information and ICD.9.CM codes provide the reason or rationale for a particular procedure or service. These codes are more commonly used for "medical necessity" determinations, and general dentists and specialists who routinely perform care, including trauma-related care, biopsies, and dental treatment as a result of or in anticipation of a cancer-related treatment, are likely to use these codes. Claim submissions for care provided can be completed electronically or by means of paper forms.
... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage insurance premium: Insured... Contract Rights and Obligations Mortgage Insurance Premiums § 266.602 Mortgage insurance premium: Insured.... On each anniversary of the initial closing, the HFA shall pay an interim mortgage insurance premium...
Farmers Insurance claims the No. 2 spot on the Training Top 125 with a forward-thinking training strategy linked to its primary mission: FarmersFuture 2020. It's not surprising an insurance company would have an insurance policy for the future. But Farmers takes that strategy one step further, setting its sights on 2020 with a far-reaching plan to…
This paper explores the consequences of the oft ignored fact that public health insurance must actually be supplied by the state. Depending how the state is modeled, different health insurance outcomes are expected. The benevolent model of the state does not account for many actual features of public health insurance systems. One alternative is to use a standard public choice model, where state action is determined by interaction between self-interested actors. Another alternative--related to a strand in public choice theory--is to model the state as Leviathan. Interestingly, some proponents of public health insurance use an implicit Leviathan model, but not consistently. The Leviathan model of the state explains many features of public health insurance: its uncontrolled growth, its tendency toward monopoly, its capacity to buy trust and loyalty from the common people, its surveillance ability, its controlling nature, and even the persistence of its inefficiencies and waiting lines.
Jan de Leeuw
Full Text Available Global insurance markets are vast and diverse, and may offer many opportunities for remote sensing. To date, however, few operational applications of remote sensing for insurance exist. Papers claiming potential application of remote sensing typically stress the technical possibilities, without considering its contribution to customer value for the insured or to the profitability of the insurance industry. Based on a systematic search of available literature, this review investigates the potential and actual support of remote sensing to the insurance industry. The review reveals that research on remote sensing in classical claim-based insurance described in the literature revolve around crop damage and flood and fire risk assessment. Surprisingly, the use of remote sensing in claim-based insurance appears to be instigated by government rather than the insurance industry. In contrast, insurance companies are offering various index insurance products that are based on remote sensing. For example, remotely sensed index insurance for rangelands and livestock are operational, while various applications in crop index insurance are being considered or under development. The paper discusses these differences and concludes that there is particular scope for application of remote sensing by the insurance industry in index insurance because (1 indices can be constructed that correlate well with what is insured; (2 these indices can be delivered at low cost; and (3 it opens up new markets that are not served by claim-based insurance. The paper finally suggests that limited adoption of remote sensing in insurance results from a lack of mutual understanding and calls for greater cooperation between the insurance industry and the remote sensing community.
Debaets, M.; Springett, G.D.; Luotonen, K.; Virole, J.
When analysing the nuclear insurance market, three elements must be taken into account: the nuclear operator's liability is regulated by national laws and/or international Conventions, such operators pay large premiums to insure their nuclear installations against property damage and finally, the nuclear insurance market is made up of pools and is mainly a monopoly. This report describes the different types of insurance coverage, the system governing nuclear third party liability under the Paris Convention and the Brussels Supplementary Convention and several national laws in that field. The last part of the report deals with liability and insurance aspects of international transport of nuclear materials [fr
Ludmila Yurievna Piterskaya
Full Text Available The authors have developed some proposals on improving the procedure of determining conditions for providing a state support to insurance of agricultural crops. The author's approach has the following differential characteristics: when determining the period of investigation it is takes into account the factor of the yield cyclical; the main calculated indicator when the occurrence of an insured event is been proved is the average in agro-climatic zones coefficient of variation of the crop.DOI: http://dx.doi.org/10.12731/2218-7405-2013-7-41
Valverde Arias, Omar; Tarquis, Ana; Garrido, Alberto
It is widely known that extreme climatic phenomena occur with more intensity and frequency. This fact has put more pressure over farming, making agricultural and livestock production riskier. In order to reduce hazards and economic loses that could jeopardize farmer's incomes and even its business continuity, it is very important to implement agriculture risk management plans by governments and institutions. One of the main strategies is transfer risk by agriculture insurance. Agriculture insurance based in indexes has a significant growth in the last decade. And consist in a comparison between measured index values with a defined threshold that triggers damage losses. However, based index insurance could not be based on an isolated measurement. It is necessary to be integrated in a complete monitoring system that uses many sources of information and tools. For example, index influence areas, crop production risk maps, crop yields, claim statistics, and so on. Crop production risk is related with yield variation of crops and livestock, due to weather, pests, diseases, and other factors that affect both the quantity and quality of commodities produced. This is the risk which farmers invest more time managing, and it is completely under their control. The aim of this study is generate a crop risk map of rice that can provide risk manager important information about the status of crop facing production risks. Then, based on this information, it will be possible to make best decisions to deal with production risk. The rice crop risk map was generated qualifying a 1:25000 scale soil and climatic map of Babahoyo canton, which is located in coast region of Ecuador, where rice is one of the main crops. The methodology to obtain crop risk map starts by establishing rice crop requirements and indentifying the risks associated with this crop. A second step is to evaluate soil and climatic conditions of the study area related to optimal crop requirements. Based on it, we can
Nuclear facilities operate under the constant risk that radioactive materials could be accidentally released off-site and cause injuries to people or damages to the property of others. Management of this nuclear risk, therefore, is very important to nuclear operators, financial stakeholders and the general public. Operators of these facilities normally retain a portion of this risk and transfer the remainder to others through an insurance mechanism. Since the nuclear loss exposure could be very high, insurers usually assess their risk first-hand by sending insurance engineers to conduct a nuclear insurance inspection. Because a serious fire can greatly increase the probability of an off-site release of radiation, fire safety should be included in the nuclear insurance inspection. This paper reviews essential elements of a facility's fire safety program as a key factor in underwriting nuclear third-party liability insurance. (author)
Darooneh, Amir H.
We consider the insurance company as a physical system which is immersed in its environment (the financial market). The insurer company interacts with the market by exchanging the money through the payments for loss claims and receiving the premium. Here, in the equilibrium state, we obtain the premium by using the canonical ensemble theory, and compare it with the Esscher principle, the well-known formula in actuary for premium calculation. We simulate the case of car insurance for quantitative comparison.
This short communication deals with compensation for nuclear damage and compensation for environmental pollution through industrial activities and compress both systems and their insurance coverage [fr
... contributed by: familydoctor.org editorial staff Categories: Healthcare Management, Insurance & Bills, Your Health ResourcesTags: brand name, co-pay, drug, formulary, generic, isurance, medicine, ...
Andersen, Z. J.; Lin, Chyongchiou J; Chang, Chung-Chou H
analyzed. Approximately 74 percent of uninsured Americans are nonelderly Americans. Among the nonelderly Americans, about 17 percent are uninsured. Our findings show that insurance status varies significantly by region, age, race, gender, marital status, income, education, employment status, and health......This study identified the underlying demographic and socioeconomic factors associated with insurance status among nonelderly Americans (age 19-64), as well as compared health care utilization between insured and uninsured. Data from the Community Tracking Study 1996-1997 Household Survey were...... status. Also, the insured nonelderly Americans were found to have better access to health care than the uninsured nonelderly....
A brief account is given of the development of nuclear insurance. The subject is dealt with under the following headings: the need for nuclear insurance, nuclear insurance pools, international co-operation, nuclear installations which may be insured, international conventions relating to the liability of operators of nuclear installations, classes of nuclear insurance, nuclear reactor hazards and their assessment, future developments. (U.K.)
Muneepeerakul, C. P.; Muneepeerakul, R.
Population growth, increasing demands for food, and increasingly uncertain and limited water availability amidst competing demands for water by other users and the environment call for a novel approach to manage water in food production systems to be developed now. Tapping into broad popularity of crop insurance as a risk management intervention, we propose an innovative rainfall index insurance program as a novel systems approach that addresses water conservation in food production systems by exploiting two common currencies that tie the food production systems and others together, namely water and money. Our novel methodology allows for optimizing diverse farm and financial strategies together, revealing strategy portfolios that result in greater water use efficiency and higher incomes at a lower level of water use. Furthermore, it allows targeted interventions to achieve reduction in irrigation water, while providing financial protection to farmers against the increasing uncertainty in water availability. Not only would such a tool result in efficiently less use of water, it would also encourage diversification in farm practices, which reduces the farm's vulnerability against crop price volatility and pest or disease outbreaks and contributes to more sustainable agriculture.
Although genetically modified (GM) organisms have attracted a great deal of public attention, analysis of their economic impacts has been less common. It is, perhaps, spatial externalities where the divergence between efficient and unregulated outcomes is potentially largest, because the presence of transgenic crops may eliminate or severely reduce the planting of organic varieties and other crops where some consumers have a preference for non-GM crops. This paper constructs a simple model of...
This paper provides empirical evidence on the role of public health insurance in mitigating adverse outcomes associated with health shocks. Exploiting the rollout of a universal health insurance program in rural China, I find that total household income and consumption are fully insured against health shocks even without access to health insurance. Household labor supply is an important insurance mechanism against health shocks. Access to health insurance helps households to maintain investme...
于胜晨; 曹水清; 任有蛇; 张春香; 张文佳; 项斌伟; 张建新
This experiment was conducted to study the nutritional value and ruminal degradability of the grain crop straw and the vine crop straw.Three Dorper × thin-tailed Han crossbred mutton sheep fitted with permanent ruminalcannulas were selected,and Nylon-bag technique was used to evaluate the ruminal degradability characteristics of dry matter (DM),crude protein (CP),neutral detergent fiber (NDF) and acid detergent fiber (ADF),conventional nutrition and energy value were analyzed.The results showed as follows,the CP contents in sweet potato vine and bean vine were significantly higher than that in other crop straws(P＜0.05);The energy value of peanut vine was significantly higher than other crop straw(P＜0.05);The CP effective degradability of bean vine and peanut vine was significantly higher than that in other crop straws (P＜0.05);The DM,ADF and NDF effective degradability of the vine crop straw was significantly higher than that in the grain crop straw (P＜0.05).In conclusion,the nutrition content,energy value and ruminal degradability characteristics of different crop straws are different.With the higher CP content,energy value,effective degradability of nutrition,and moderate ADF and NDF content,peanut vine and sweet potato vine are good sources of roughage.In general,the vine crop straws are more suitable than the grain crop straws for source of roughage in sheep.%试验旨在研究粮食类农作物秸秆和藤蔓类农作物秸秆的营养成分及瘤胃降解特性.选用3头安装永久性瘤胃瘘管的杜×寒杂交F1阉割肉羊,采用尼龙袋法测定6种秸秆(玉米秸秆、小麦秸秆、水稻秸秆、花生秧、豆角菀和红薯菀)的粗蛋白(CP)、干物质(DM)、中性洗涤纤维(NDF)和酸性洗涤纤维(ADF)的瘤胃降解参数,并对其常规养分及能量价值进行分析.结果表明:红薯菀和豆角菀中CP含量显著高于其他农作物秸秆(P＜0.05);花生秧的各能量价值显著高于其他农作物秸秆(P＜0
International Labour Office. Geneva
This manual provides an overview of social health insurance schemes and looks at the development of health care policies and feasibility issues. It also examines the design of health insurance schemes, health care benefits, financing and costs and considers the operational and strategic information requirements.
This is an insurance industry guide for the independent power industry. The directory includes the insurance company's name, address, telephone and FAX numbers and a description of the company's area of expertise, products and services, and limitations. The directory is international in scope. Some of the companies specialize in independent power projects
Full Text Available Insurance industry has traditionally been oriented on sale of its products i.e. at the stage which from the aspect of marketing theory can be characterized as sales phase, phase which proceeds the marketing orientation. However, faced with numerous challenges of modern business environment such as globalization, deregulation and sophisticated information technology insurance companies must change their way of doing business. Competition is becoming fierce as insurance companies are faced with competition not only from insurance industry but also from other competitors, such as banks, that are in position to offer product substitutes for life insurance products. In this new environment information about customers and their education are becoming critical factors. Insurance companies must know their customers what influences their demand for life insurance, what is the amount of their income, what is inflation rate, their expenditures on other goods i.e. opportunity costs, etc. Those are factors that force insurance companies to concentrate more on present and potential buyers and their needs and force them to give their best to satisfy those needs in a way that will produce delighted customers.
Larsen, Birthe; Waisman, Gisela
This paper examines the impact of higher unemployment insurance on the fraction of the work force paying into an unemployment insurance fond, wage differences and therefore inquality and education letting worker initial wealth being important for the decisions and implied values. As usually higher...... educated workers receive a lower fraction of their wages as unemployment insurance, we consider how the impact on labour market performance and wage differences and thereby inequality differ dependent on whether educated or uneducated workers receive higher benefits. The model can help shed light...... on the the puzzle why only some workers, for given educational level, pay into an unemployment insurance fond, the lower wealth mobility than income mobility as well as the relative compressed wage structure in countries with generous social assistance as well as unemployment insurance for low income workers...
The French government has decided that, with effect from 1 June 2014, persons resident in France but working in Switzerland (hereinafter referred to as “frontaliers”) will no longer be entitled to opt for private French health insurance provision as their sole and principal health insurance. The right of choice, which was granted by the Bilateral Agreement on the Free Movement of Persons between Switzerland and the European Union and which came into force on 1 June 2002, exempts “frontaliers” from the obligation to become a member of Switzerland’s compulsory health insurance scheme (LAMal) if they can prove that they have equivalent coverage in France, provided by either the French social security system (CMU) or a private French insurance provider. As the latter option of private health insurance as an alternative to membership of LAMal will be revoked under the new French legislation that will come into force on 1 June 2014, current “...
.... Addressing this problem, Congress enacted the Terrorism Risk Insurance Act of 2002 (TRIA) to create a temporary program to share future insured terrorism losses with the property-casualty insurance industry and policyholders...
.... The request was prompted by action taken by the Florida Department of Insurance against two life insurance companies that had received large numbers of insurance allotments from Service members...
Alain Tosetti; Thomas Behar; Michel Fromenteau; Stéphane Ménart
We shall be examining the following topics: (i) basic frameworks for accounting and for statutory insurance rules; and (ii) actuarial principles of insurance; for both life and nonlife (i.e. casualty and property) insurance.Section 1 introduces insurance terminology, regarding what an operation must include in order to be an insurance operation (the legal, statistical, financial or economic aspects), and introduces the accounting and regulation frameworks and the two actuarial models of insur...
Insurance is the uncertain business in uncertain society. Today, insures face more complex and difficult risks. Efficient risk management mechanisms are essential for the insurers. The paper is set out initially to explore UK insurance companies risk management and risk disclosure by examining companies annual report after all the listed insurance companies are required to disclose risk information in their annual report, which seeks to reflect the recent development in UK insurance companies...
Kantzes, James G.; And Others
As part of a cooperative extension service series by the University of Maryland, this publication introduces the identification and control of common agricultural pests of vegetable crops. The first of the five sections defines "pest" and "weed" and generally introduces different kinds of pests in the categories of insects,…
Weaver, Leslie O.; And Others
As part of a cooperative extension service series by the University of Maryland this publication introduces the identification and control of common agricultural pests of fruit crops. The first of the five sections defines "pest" and "weed" and generally introduces different kinds of pests in the categories of insects, weeds,…
Health Insurance aims at filling a gap in actuarial literature, attempting to solve the frequent misunderstanding in regards to both the purpose and the contents of health insurance products (and ‘protection products’, more generally) on the one hand, and the relevant actuarial structures on the other. In order to cover the basic principles regarding health insurance techniques, the first few chapters in this book are mainly devoted to the need for health insurance and a description of insurance products in this area (sickness insurance, accident insurance, critical illness covers, income protection, long-term care insurance, health-related benefits as riders to life insurance policies). An introduction to general actuarial and risk-management issues follows. Basic actuarial models are presented for sickness insurance and income protection (i.e. disability annuities). Several numerical examples help the reader understand the main features of pricing and reserving in the health insurance area. A short int...
Until 2001 losses caused by terrorist attacks have been covered under fire policies worldwide with two exceptions: Spain and UK where major and multiple losses caused by ETA and IRA had led to specific insurance solutions. The September 11, 2001 attacks on the World Trade Centre have changed the world in many aspects. This includes the insurance industry, which was compelled to exclude terrorism from coverage and to offer special solutions for extra premium. Nuclear power plants have been repeatedly called targets for terrorists as their destruction could cause a large catastrophe and more victims than the September 2001 attacks. How does the insurance industry respond? (author)
Full Text Available Agricultural business is a very high-risk job and an increase demand for agricultural products from one side and steady increase in production cost and weather changes, on the other side, have motivated many to use insurance for agricultural products. Insurance plays an important role in influencing crop production and insured satisfaction or farmers. The purpose of this research is to find critical components in agricultural insurance. Based on an exploration of the literature review and interviews, the proposed study of this paper extracts 24 variables and using factor analysis, we select the most important factors, which are grouped in seven categories. The implementation of our factor analysis has revealed uncertainty, moderator, market equilibrium, risky environment, empowering factor, education, training, structural hazards and natural ecosystems as the most important factors influencing agricultural industry.
..., Archuleta, Conejos, Costilla, Custer, Delta, Dolores, Eagle, Garfield, Grand, La Plata, Mesa, Moffat... counties except Plymouth, Cherokee, Buena Vista, Pocahontas, Humbolt, Wright, Franklin, Butler, Black Hawk..., Grand, La Plata, Mesa, Moffat, Montezuma, Montrose, Ouray, Pitkin, Rio Blanco, Routt and San Miguel...
...) how FCIC can improve its forecast accuracy. We found that FCIC's corn, wheat, and soybeans price forecasts exhibit large bias errors that exceed those of other available alternative forecasts and that FCIC would have spent...
...) Substances or conditions are present that are identified by the Food and Drug Administration or other public... United States Agricultural Marketing Act or the United States Warehouse Act; (B) A grader licensed under... (3) Drying, handling, processing, or any other costs associated with normal harvesting, handling, and...
... costs associated with normal harvesting, handling, and marketing of the millet; except, if the value of... pounds per bushel; or (ii) Substances or conditions are present that are identified by the Food and Drug... after it has been conditioned by the cost of conditioning but not lower than the value of the production...
... grown for commercial sale for human consumption as fresh fruit on acreage where the cultural practices... determine the minimum quality grade will be: (i) The United States Standards for Grades of Table Grapes...; (6) Earthquake; (7) Volcanic eruption; or (8) Failure of irrigation water supply, if caused by an...
... business enterprise regularly engaged in processing tomatoes for human consumption, that possesses all...; (6) Earthquake; (7) Volcanic eruption; or (8) Failure of the irrigation water supply, if due to a... meets the quality requirements of the processor contract (expressed as usable or payable weight). (3...
... Food and Drug Administration or other public health organizations of the United States as being... area to the extent feasible. We may obtain prices from any buyer of our choice. If we obtain prices... additional costs required to deliver the dry beans to those buyers. Discounts used to establish the net price...
... substances or conditions that are identified by the Food and Drug Administration or other public health... to uninsured causes; or (3) Drying, handling, processing, or any other costs associated with normal harvesting, handling, and marketing of safflower. We may obtain values per pound from any buyer of our choice...
... of the Basic Provisions that limit the amount of a replant payment to the actual cost of replanting... present that are identified by the Food and Drug Administration or other public health organizations of... feasible. We may obtain prices from any buyer of our choice. If we obtain prices from one or more buyers...
... conflict exists among the policy provisions, the order of priority is as follows: (1) The Catastrophic Risk... the previous fall; and (2) Qualifies as a skip-row planting pattern as defined by the Farm Service... harvested, until the earlier of our inspection or 15 days after harvest of the balance of the unit is...
..., including but not limited to protein and oil, will not be considered. Planted acreage—In addition to the..., Bosque, Johnson, Tarrant, Wise, Cooke Counties, Texas, and all Texas counties lying south and east..., Johnson, Tarrant, Wise, Cooke Counties, Texas, and all Texas counties lying south and east thereof to and...
..., as shown in the actuarial documents. Good farming practices—The cultural practices generally in use.... Replanting—Performing the cultural practices necessary to prepare the land for replacing of the forage seed... accordance with good farming practices on or before the late harvest date. (d) Final adjustment of a loss on...
... fresh fruit on acreage where appropriate cultural practices were followed. Ton—Two thousand (2,000... delivered tons; or (2) For units damaged by rain—By adding the delivered tons to any verified loss of... unit; (e) Final adjustment of a loss on a unit; or (f) Abandonment of the raisins. 10. Causes of Loss...
... Basic Provisions with (1) controlling (2) etc. 1. Definitions Damaged onion production. Storage type... method and production practice. Harvest. Removal of the onions from the field after topping and lifting... production. Onions of recoverable size and condition, with excess dirt and foliage material removed and that...
... of quarantine, boycott, or refusal of any entity to accept production. 11. Settlement of Claim (a) We... to abandon and no longer care for if you and we agree on the appraised amount of production. Upon... the appraised amount of production is not reached: (A) We may require you to continue to care for the...
... if you are unable to market due to quarantine, boycott, or refusal of any person to accept production... abandon or no longer care for, if you and we agree on the appraised amount of production. Upon such... use the appraised amount of production or defer the claim if you agree to continue to care for the...
... amount of production delivered, and the processor contract provides for delivery of the mustard under... that are identified by the Food and Drug Administration or other public health organizations of the... FCIC including, but not limited to, protein and oil will not be considered. (e) Any production...
... kernels, thin kernels, germination, blight damage, mold injury or damage, sprout damage, frost injury or... damaged 0.4 maximum 0.4 maximum Sprout damaged 1.0 maximum 1.0 maximum Injured by frost 5.0 maximum 5.0 maximum Frost damaged 0.4 maximum 0.4 maximum (3) Harvested production that does not meet the quality...
... through an on-farm or roadside stand, or a farmer's market, and permitting the general public to enter the... B; or (3) 200 bushels of apples per acre in Area C; and (c) That are grown in an orchard that, if... from the orchard; (3) Insects, but not damage due to insufficient or improper application of pest...
... roadside stand, farmer's market, and permitting the general public to enter the field for the purpose of... (except where otherwise provided in the Special Provisions); (d) That are grown in an orchard that, if... not been controlled or pruning debris has not been removed from the orchard; (3) Wildlife; (4...
... stand, farmer's market, and permitting the general public to enter the orchard for the purpose of... orchard with the nut meats in the shells after removal of the husk but prior to being dried. 2. Unit... orchard or trees require establishment of the yield by another method. In the event of such damage or...
Konovalov, R.; Kumlander, Deniss
This paper proposes the idea to use Clinical Decision Support software in Health Insurance Company as a tool to reduce the expenses related to Medication Errors. As a prove that this class of software will help insurance companies reducing the expenses, the research was conducted in eight hospitals in United Arab Emirates to analyze the amount of preventable common Medication Errors in drug prescription.
This paper provides empirical evidence on the role of public health insurance in mitigating adverse outcomes associated with health shocks. Exploiting the rollout of a universal health insurance program in rural China, I find that total household income and consumption are fully insured against health shocks even without access to health insurance. Household labor supply is an important insurance mechanism against health shocks. Access to health insurance helps households to maintain investment in children's human capital during negative health shocks, which suggests that one benefit of health insurance could arise from reducing the use of costly smoothing mechanisms. Copyright © 2016 Elsevier B.V. All rights reserved.
Full Text Available Personal insurance represents one of the sources of personal social security as a category of personal property. How to get a proper life insurance is a frequently asked question. When insuring material objects (car, house..., the problem is usually not in the amount of the taken insurance. With life insurance (abstract goods, problems as such occur. In this paper, we wish to present a model that, according to the financial situation and the anticipated future, makes it possible to calculate the optimum insurance sum in life insurance.
Full Text Available This paper presents a new copula to model dependencies between insurance entities, by considering how insurance entities are affected by both macro and micro factors. The model used to build the copula assumes that the insurance losses of two companies or lines of business are related through a random common loss factor which is then multiplied by an individual random company factor to get the total loss amounts. The new two-component copula is not Archimedean and it extends the toolkit of copulas for the insurance industry.
Full Text Available Bank Insurance phenomenon can not be attributed primarily or banks or insurance institutions. Near the two sectors was due to mutations occurring in supply and demand for financial services. Convergence bankers and insurers are determined by common platform for each country of local influence by supervisors and reforms at the central level. Credit insurance has emerged as a necessity stemming from the fact that most trade agreements concluded in circumstances in which payment is partially or completely after delivery of the goods or services covered by the agreement, so the payment delayed or selling on credit.
The CERN Administration wishes to inform staff members and fellows having taken out optional life insurance under the group contract signed by CERN that the following changes to the rules and regulations entered into force on 1 January 2013: The maximum age for an active member has been extended from 65 to 67 years. The beneficiary clause now allows insured persons to designate one or more persons of their choice to be their beneficiary(-ies), either at the time of taking out the insurance or at a later date, in which case the membership/modification form must be updated accordingly. Beneficiaries must be clearly identified (name, first name, date of birth, address). The membership/modification form is available on the FP website: http://fp.web.cern.ch/helvetia-life-insurance For further information, please contact: Valentina Clavel (Tel. 73904) Peggy Pithioud (Tel. 72736)
Pauly, Mark V
This paper explores the relationship between the research for and development of vaccines against global pandemics and insurance. It shows that development in advance of pandemics of a portfolio of effective and government-approved vaccines does have some insurance properties: it requires incurring costs that are certain (the costs of discovering, developing, and testing vaccines) in return for protection against large losses (if a pandemic treatable with one of the vaccines occurs) but also with the possibility of no benefit (from a vaccine against a disease that never reaches the pandemic stage). It then argues that insurance against the latter event might usefully be offered to organizations developing vaccines, and explores the benefits of insurance payments to or on behalf of countries who suffer from unpredictable pandemics. These ideas are then related to recent government, industry, and philanthropic efforts to develop better policies to make vaccines against pandemics available on a timely basis.
Mark V. Pauly
Full Text Available This paper explores the relationship between the research for and development of vaccines against global pandemics and insurance. It shows that development in advance of pandemics of a portfolio of effective and government-approved vaccines does have some insurance properties: it requires incurring costs that are certain (the costs of discovering, developing, and testing vaccines in return for protection against large losses (if a pandemic treatable with one of the vaccines occurs but also with the possibility of no benefit (from a vaccine against a disease that never reaches the pandemic stage. It then argues that insurance against the latter event might usefully be offered to organizations developing vaccines, and explores the benefits of insurance payments to or on behalf of countries who suffer from unpredictable pandemics. These ideas are then related to recent government, industry, and philanthropic efforts to develop better policies to make vaccines against pandemics available on a timely basis.
Nuclear insurance and some of the features associated with it, such as the International Conventions and the operation of Atomic Risk Pools, are discussed both in general and with specific reference to the USA, Canada and the United Kingdom
Freese, William C.
Insurance coverage of school buildings and contents is becoming increasingly difficult to obtain, and increases of 50 percent or more in the premium are not uncommon. Methods of reducing premium increases are outlined in this speech. (MLF)
Department of Housing and Urban Development — The Office of Healthcare Programs (OHP), previously known as the Office of Insured Health Care Facilities, is located within the Office of Housing and administers...
Dimitriyadis, I.; Öney, Ü. N.
This study is an extension to a simulation study that has been developed to determine ruin probabilities in health insurance. The study concentrates on inpatient and outpatient benefits for customers of varying age bands. Loss distributions are modelled through the Allianz tool pack for different classes of insureds. Premiums at different levels of deductibles are derived in the simulation and ruin probabilities are computed assuming a linear loading on the premium. The increase in the probability of ruin at high levels of the deductible clearly shows the insufficiency of proportional loading in deductible premiums. The PH-transform pricing rule developed by Wang is analyzed as an alternative pricing rule. A simple case, where an insured is assumed to be an exponential utility decision maker while the insurer's pricing rule is a PH-transform is also treated.
Marie-Cécile FAGART; Bidénam KAMBIA-CHOPIN
This paper considers a competitive insurance market under moral hazard and adverse selection, in which preventive efforts and self-protection costs are unobservable by insurance companies. Under reasonable assumptions, the conclusions of Rothschild and Stiglitz (1976) are preserved in our context even if it involves moral hazard. The riskier agents in equilibrium, who would also be the riskier agents under perfect information, receive their moral hazard contract. For other agents, adverse sel...
Full Text Available Rothschild and Stiglitz (1976 argued that people signal their risk profile through their insurance demand, i.e. individuals with a high risk profile would buy insurance as much as they can, while people who are not going to buy any insurance are the ones with a lower risk profile. This issue is commonly known as adverse selection. Even if their prediction seems to work quite well in a lot of different markets, Cutler et al. (2008 proved that there exist some insurance markets in United States in which the expected result is completely different. In the wake of this study, we provide empirical evidences that there are some European insurance markets in which the low risk profile agents are the ones who buy more insurance.
Full Text Available The paper analyses the notion of consumer in the European Union law, and, in particular, the notion of consumer in insurance law. The author highligts the differences between the notion of consumer is in aquis communautaire and in insurance law, discussing whether the consumer can be defined in both field in the same way, concerning that insurance services differ a lot from other kind of services. Having regarded unequal position of contracting parties and information and technical disadvantages of a weaker party, author pleads for broad definition of consumer in insurance law. In Serbian law, the consumer is not defined in consistent way. That applies on Serbian insurance law as well. Therefore, the necessity of precise and broad definition of consumes is underlined, in order to delimit the circle of subject who are in need for protection. The author holds that the issue of determination of the circle of persons entitled to extended protection as consumers is of vital importance for further development of insurance market in Serbia.
With the increased interest in cover crops, the impact of adoption on profitability of cash crops is a common question from producers. The objective of this study was to evaluate the profitability of cover crops for single and twin row cotton (Gossypium hirsutum L.) in Alabama. This experiment inclu...
LAYTON, TIMOTHY J.; MCGUIRE, THOMAS G.; SINAIKO, ANNA D.
In order to encourage entry and lower prices, most regulated markets for health insurance include policies that seek to reduce the uncertainty faced by insurers. In addition to risk adjustment of premiums paid to plans, the Health Insurance Marketplaces established by the Affordable Care Act implement reinsurance and risk corridors. Reinsurance limits insurer costs associated with specific individuals, while risk corridors protect against aggregate losses. Both tighten the insurer's distribut...
Full Text Available The aim of the paper that treats the actuarial model of insurance in case of survival or early death is to show the actuarial methods and methodology for creating a model and an appropriate number of sub-models of the most popular form of life insurance in the world. The paper applies the scientific methodology of the deductive character based on scientific, theoretical knowledge and practical realities. Following the basic theoretical model’s determinants, which are at the beginning of the paper, the basic difference between models further in this paper was carried out according to the character of the premium to be paid. Finally, the financial repercussions of some models are presented at examples in insurance companies. The result of this paper is to show the spectrum of possible forms of capital endowment insurance which can be, without major problems, depending on the financial policy of the company, applied in actual practice. The conclusion of this paper shows the theoretical and the practical reality of this model, life insurance, and its quantitative and qualitative guidelines.
The CERN Administration would like to remind you that staff members and fellows have the possibility to take out a life insurance contract on favourable terms through a Group Life Insurance. This insurance is provided by the company Helvetia and is available to you on a voluntary basis. The premium, which varies depending on the age and gender of the person insured, is calculated on the basis of the amount of the death benefit chosen by the staff member/fellow and can be purchased in slices of 10,000 CHF. The contract normally ends at the retirement age (65/67 years) or when the staff member/fellow leaves the Organization. The premium is deducted monthly from the payroll. Upon retirement, the staff member can opt to maintain his membership under certain conditions. More information about Group Life Insurance can be found at: Regulations (in French) Table of premiums The Pension Fund Benefit Service &...
Olesen, Jørgen E
This chapter focuses on the importance of intensive cropping systems in contributing to the world supply of food and feed. The impact of climate change on intensive crop production systems is also discussed.......This chapter focuses on the importance of intensive cropping systems in contributing to the world supply of food and feed. The impact of climate change on intensive crop production systems is also discussed....
Obadović Mirjana M.
Full Text Available Every day insurance companies face a number of risks arising from the insurance industry itself, as well as risks arising from insurance company operations. In this constant fight against risks insurance companies use different models and methods that help them better understand, have a more comprehensive view of, and develop greater tolerance towards risks, in order to reduce their exposure to these risks. The model presented in this paper has been developed for implementation in insurance risk management directly related to insurance company risk, i.e. it is a model that can reliably determine the manner and intensity with which deviations in the initial insurance risk assessment affect insurance company operations, in the form of changes in operational risks and consequently in insurance companies’ business strategies. Additionally we present the implementation of the model in the Serbian market for the period 2005-2010.
Ravi SS Toor
Full Text Available Dental insurance is insurance designed to pay the costs associated with dental care. The Foreign Direct Investment (FDI bill which was put forward in the winter session of the Lok Sabha (2008 focused on increasing the foreign investment share from the existing 26% to 49% in the insurance companies of India. This will allow the multibillion dollar international insurance companies to enter the Indian market and subsequently cover all aspects of insurance in India. Dental insurance will be an integral a part of this system. Dental insurance is a new concept in Southeast Asia as very few countries in Southeast Asia cover this aspect of insurance. It is important that the dentists in India should be acquainted with the different types of plans these companies are going to offer and about a new relationship which is going to emerge in the coming years between dentist, patient and the insurance company.
Madalina Giorgiana MANGRA
Full Text Available The offer of insurance products is about the requirements and needs of the consumer who must always have information regarding: the type of insurance risk covered and the excluded risks, the sum insured, the payment of premiums and their duration. The accurate information of customer requires, from the commencement of contract and throughout its duration, that he or she is aware of the obligations throughout the contractual period. Most of the Romanians are turning their attention to one of the insurance companies found in the top 10 in 2016, supervised by F.S.A. (Financial Supervision Authority, preferring to have a policy of mandatory household and goods insurance, auto liability or life insurance, but are also interested in travel health insurance when going abroad, private health insurance or private pension insurance. Romanians' reluctance regarding the conclusion of an insurance comes from their distrust in insurance companies (see the situations of companies like Astra Insurance, Carpatica Insurance etc., their personal financial situation and the fear that they will not receive protection if the risk is covered but the insured sum is insufficient
Extreme weather events such as frost, drought, heat waves and rain storms can have devastating effects on cropping systems. According to both the agriculture and finance sectors, a risk assessment of extreme weather events and their impact on cropping systems is needed. The principle of return periods or frequencies of natural hazards is adopted in many countries as the basis of eligibility for the compensation of associated losses. For adequate risk management and eligibility, hazard maps for events with a 20-year return period are often used. Damages due to extreme events are strongly dependent on crop type, crop stage, soil type and soil conditions. The impact of extreme weather events particularly during the sensitive periods of the farming calendar therefore requires a modelling approach to capture the mixture of non-linear interactions between the crop, its environment and the occurrence of the meteorological event in the farming calendar. Physically based crop models such as REGCROP (Gobin, 2010) assist in understanding the links between different factors causing crop damage. Subsequent examination of the frequency, magnitude and impacts of frost, drought, heat stress and soil moisture stress in relation to the cropping season and crop sensitive stages allows for risk profiles to be confronted with yields, yield losses and insurance claims. The methodology is demonstrated for arable food crops, bio-energy crops and fruit. The perspective of rising risk-exposure is exacerbated further by limited aid received for agricultural damage, an overall reduction of direct income support to farmers and projected intensification of weather extremes with climate change. Though average yields have risen continuously due to technological advances, there is no evidence that relative tolerance to adverse weather events has improved. The research is funded by the Belgian Science Policy Organisation (Belspo) under contract nr SD/RI/03A.
Mandeep Lakhan; Helmut Heiss
The Principles of European Insurance Contract Law, also referred tousing the acronym PEICL, were published in September 2009. They are the result of ten years of academic work undertaken by the"Restatement of European Insurance Contract Law" Project Group. In the time since its establishment in 1999, the project has been transformed from being a stand-alone project to a part of the CoPECL (Common Principles of European Insurance Contract Law) network, drafting a specific part of the Common Fr...
Dana P. Goldman; Neeraj Sood; Arleen Leibowitz
This paper examines how compensation packages change when health insurance premiums rise. We use data on employee choices within a single large firm with a flexible benefits plan; an increasingly common arrangement among medium and large firms. In these companies, employees explicitly choose how to allocate compensation between cash and various benefits such as retirement, medical insurance, life insurance, and dental benefits. We find that a $1 increase in the price of health insurance leads...
Virtually any type of nuclear risk is insurable in principle, providing, of course, that the necessary standards of safety and control are met. Some of the risks are of a relatively minor character and no more hazardous than a simple conventional risk. But insurers would not consider as a minor risk anything which involves the use of nuclear fuel or other nuclear materials which are in a critical state or capable of releasing dangerous levels of radioactivity. These would include nuclear reactors or, indeed, any type of assembly which can not be regarded as subcritical. Most insurers would also regard installations involved in the manufacturing, processing and enriching of nuclear fuel, and certainly those concerned with the reprocessing of irradiated fuel and plutonium extraction, as major risks. (HP) [de
Julie L. Koenig
Full Text Available Private insurance is associated with better outcomes in multiple common cancers. We hypothesized that insurance status would significantly impact outcomes in primary breast sarcoma (PBS due to the additional challenges of diagnosing and coordinating specialized care for a rare cancer. Using the National Cancer Database, we identified adult females diagnosed with PBS between 2004 and 2013. The influence of insurance status on overall survival (OS was evaluated using the Kaplan–Meier estimator with log-rank tests and Cox proportional hazard models. Among a cohort of 607 patients, 67 (11.0% had Medicaid, 217 (35.7% had Medicare, and 323 (53.2% had private insurance. Compared to privately insured patients, Medicaid patients were more likely to present with larger tumors and have their first surgical procedure further after diagnosis. Treatment was similar between patients with comparable disease stage. In multivariate analysis, Medicaid (hazard ratio (HR, 2.47; 95% confidence interval (CI, 1.62–3.77; p<0.001 and Medicare (HR, 1.68; 95% CI, 1.10–2.57; p=0.017 were independently associated with worse OS. Medicaid insurance coverage negatively impacted survival compared to private insurance more in breast sarcoma than in breast carcinoma (interaction p<0.001. In conclusion, patients with Medicaid insurance present with later stage disease and have worse overall survival than privately insured patients with PBS. Worse outcomes for Medicaid patients are exacerbated in this rare cancer.
A brief account is given of insurance protection in the nuclear industry, and the legislation involved. Aspects discussed are: third part liability and the role of government in setting the maximum amount of compensation; the development and concept of channelling the liability exclusively to the operator; the development of nuclear insurance facilities in Europe and the USA; and the emergence in Europe of international agreements on third party liability for protection of neighbouring countries in the event of a major accident. The development of liability law in the USA from the time of the Price Anderson Act of 1957 through subsequent legislation is described. (U.K.)
Nuclear liability insurance covers liability for damages directly caused by the nuclear energy hazard. This coverage includes offsite bodily injury and property damage sustained by members of the general public, and bodily injury to onsite third party personnel. Recent nuclear liability claims allege bodily injury and property damage resulting from releases or radioactive materials to the environmental and occupational radiation worker exposures. Routine reactor operations involving radioactive waste have the potential to result in such claims. The nuclear insurance Pools believe that one way such claims can be minimized is through the implementation of an effective radioactive waste management program
Insurance has become a necessary aspect of modern society. The mathematical basis of insurance modeling is best expressed in terms of continuous time stochastic processes. This introductory text on actuarial risk theory deals with the Cramer-Lundberg model and the renewal risk model. Their basic structure and properties, including the renewal theorems as well as the corresponding ruin problems, are studied. There is a detailed discussion of heavy tailed distributions, which have become increasingly relevant. The Lundberg risk process with investment in risky asset is also considered. This book will be useful to practitioners in the field and to graduate students interested in this important branch of applied probability.
Fulton, Wallace C.
Article discusses the feasibility of marriage counseling as an insurance benefit in the future. It is suggested that the physician be used as a marriage counselor in that insurance companies will pay for medical services. (EK)
Hall, Jennifer D; Harding, Rose L; DeVoe, Jennifer E; Gold, Rachel; Angier, Heather; Sumic, Aleksandra; Nelson, Christine A; Likumahuwa-Ackman, Sonja; Cohen, Deborah J
Changes in health insurance policies have increased coverage opportunities, but enrollees are required to annually reapply for benefits which, if not managed appropriately, can lead to insurance gaps. Electronic health records (EHRs) can automate processes for assisting patients with health insurance enrollment and re-enrollment. We describe community health centers' (CHC) workflow, documentation, and tracking needs for assisting families with insurance application processes, and the health information technology (IT) tool components that were developed to meet those needs. We conducted a qualitative study using semi-structured interviews and observation of clinic operations and insurance application assistance processes. Data were analyzed using a grounded theory approach. We diagramed workflows and shared information with a team of developers who built the EHR-based tools. Four steps to the insurance assistance workflow were common among CHCs: 1) Identifying patients for public health insurance application assistance; 2) Completing and submitting the public health insurance application when clinic staff met with patients to collect requisite information and helped them apply for benefits; 3) Tracking public health insurance approval to monitor for decisions; and 4) assisting with annual health insurance reapplication. We developed EHR-based tools to support clinical staff with each of these steps. CHCs are uniquely positioned to help patients and families with public health insurance applications. CHCs have invested in staff to assist patients with insurance applications and help prevent coverage gaps. To best assist patients and to foster efficiency, EHR based insurance tools need comprehensive, timely, and accurate health insurance information.
Nicole Maestas; Kathleen J. Mullen; Alexander Strand
As health insurance becomes available outside of the employment relationship as a result of the Affordable Care Act (ACA), the cost of applying for Social Security Disability Insurance (SSDI)–potentially going without health insurance coverage during a waiting period totaling 29 months from disability onset–will decline for many people with employer-sponsored health insurance. At the same time, the value of SSDI and Supplemental Security Income (SSI) participation will decline for individuals...
Sanja Coric; Danijel Bara
Selling insurance products in conditions of today’s modern technological solutions is faced with numerous challenges. Business processes in insurance as well as the results of these business processes are the real interface to policyholders. Modeling and analysis of business process in insurance ensure organizations to focus on the customer and increase the efficiency and quality of work. Managing critical business processes in every single organization, likewise in insurance is a key factor ...
... as a potential global deposit insurer, preserve confidence in the FDIC deposit insurance system, and... the United States.\\2\\ The FDIC generally pays out deposit insurance on the next business day after a... since 2001 and total approximately $1 trillion today. In many cases, these branches do not engage in...
Full Text Available Proactive approach to risk management of agriculture companies is the way to ensure the efficiency of agricultural production even affected by natural disasters, to ensure the continuity of agricultural business and ultimately affect the level of development of rural regions. The instrument that solves the problem of reduction and elimination of risks associated with agricultural production is a systemic approach to the insurance of agricultural production, both crop insurance and livestock insurance, linked to a support program for SME in agriculture.This presented paper aims to identify and discuss the possibility of eliminating risks possibly threatening the agricultural production and to analyze forms of covering risks associated with agricultural production on the commercial insurance market in the Czech Republic. The paper analyzes the current situation and current development of the agricultural insurance on the insurance market in the Czech Republic.This paper was written as a part of the research project MSM 6215648904, carried out by the Faculty of Business and Economics, under the title „The Czech economics in the processes of integration and globalization, and the development of the agriculture and service sector in the new conditions of the integrated European market“, following the goals and methodology of the research project.
O. Parsons, Donald; Tranæs, Torben; Bie Lilleør, Helene
Denmark has drawn much attention for its active labor market policies, but is almost unique in offering a voluntary public unemployment insurance program requiring a significant premium payment. A safety net program – a less generous, means-tested social assistance plan – completes the system...
This article addresses steps to take to improve the economics and risk profiles for independent power projects. The topics discussed in the article include the results of competition in the power industry, custom packages and the lack of competition among insurers in the power industry, mitigating risk through providing technical information, and developing programs
Austin, Laurel; Fischhoff, Baruch
Using interviews with 74 drivers, we elicit and analyse how people think about collision coverage and, more generally, about insurance decisions. We compare the judgments and behaviours of these decision makers to the predictions of a range of theoretical models: (a) A model developed by Lee (200...
Full Text Available This article deals with a topical for our country problem which is related to the State Social Insurance. It provides a review of the factors having an adverse effect onto the financial state of the Bulgarian pension system. Discussed are the basic parameters related to the economic incentives in connection with the optimal functioning of the pension system
FLOREA IANC MARIA MIRABELA
Full Text Available Last few years have shown that Romania is not protected from the consequences of climate change. It is clear that type flood events may cause social problems and losses is difficult financing from public resources, especially in the context of the existence of budget constraints. The only viable system to cope with such disasters is insurance system that has the ability to spread risks by reinsurance Natural disasters - earthquakes, floods, landslides - are just some of the risks that may threaten your home. And if natural disasters can seem distant danger, think as fires, floods caused by broken pipes or theft of household goods are trouble can happen anytime to anyone. To protect yourself in such unpleasant situations, whose frequency is unfortunately on the rise, it is necessary to be assured. Thus, you will be able to recover losses in the event that they occur. The house is undoubtedly one of the most important assets we own. Therefore, the Romans began to pay increasingly more attention to domestic insurance products. Since 2011, voluntary home insurance, life insurance with, were the most dynamic segments of the market.
The current state and future trends for the world and domestic insurance markets are analyzed. The description of business intelligence methodology, tools and their practical implication for insurance companies are provided.
Full Text Available The current state and future trends for the world and domestic insurance markets are analyzed. The description of business intelligence methodology, tools and their practical implication for insurance companies are provided.
Full Text Available The paper presents the techniques and the formulas used on international practice for establishing the premiums for a life policy. The formulas are generally based on a series of indicators named mortality indicators which mainly point out the insured survival probability, the death probability and life expectancy at certain age. I determined, using a case study, the unique net premium, the annual net premium for a survival insurance, whole life insurance and mixed life insurance.
Kosaric, N.; Cosentino, G.P.; Wieczorek, A.; Duvnjak, Z.
The Jerusalem artichoke (Helianthus tuberosus) is an agricultural crop which is of great potential for food, production of fuels, and industrial products. This crop gives a high yield in tubers, it grows better in poor soils than most crops, and it is resistant to pests and common plant diseases as well as to cold temperatures. In this article, the agronomic characteristics of this plant are discussed in detail. Special emphasis is given to the effects of various parameters on the production of both tubers and tops from the Jerusalem artichoke. 74 references.
Zegada-Lizarazu, Walter; Monti, Andrea [Department of Agroenvironmental Science and Technology, University of Bologna, Viale G. Fanin, 44 - 40127, Bologna (Italy)
The area under energy crops has increased tenfold over the last 10 years, and there is large consensus that the demand for energy crops will further increase rapidly to cover several millions of hectares in the near future. Information about rotational systems and effects of energy crops should be therefore given top priority. Literature is poor and fragmentary on this topic, especially about rotations in which all crops are exclusively dedicated to energy end uses. Well-planned crop rotations, as compared to continuous monoculture systems, can be expected to reduce the dependence on external inputs through promoting nutrient cycling efficiency, effective use of natural resources, especially water, maintenance of the long-term productivity of the land, control of diseases and pests, and consequently increasing crop yields and sustainability of production systems. The result of all these advantages is widely known as crop sequencing effect, which is due to the additional and positive consequences on soil physical-chemical and biological properties arising from specific crops grown in the same field year after year. In this context, the present review discusses the potential of several rotations with energy crops and their possibilities of being included alongside traditional agriculture systems across different agro-climatic zones within the European Union. Possible rotations dedicated exclusively to the production of biomass for bioenergy are also discussed, as rotations including only energy crops could become common around bio-refineries or power plants. Such rotations, however, show some limitations related to the control of diseases and to the narrow range of available species with high production potential that could be included in a rotation of such characteristics. The information on best-known energy crops such as rapeseed (Brassica napus) and sunflower (Helianthus annuus) suggests that conventional crops can benefit from the introduction of energy crops in
This paper opens with some brief information about the Piper Alpha loss, how the loss was handled and its final cost. More importantly, it discusses the effect of the Piper Alpha loss on the world insurance market including the oil insurance captives such as O.I.L Limited. Finally, the insurance market current status and prognosis for the future are considered. (Author)
Fouladvand, M. Ebrahim; Darooneh, Amir H.
We present an analytical study of an insurance company. We model the company's performance on a statistical basis and evaluate the predicted annual income of the company in terms of insurance parameters namely the premium, total number of the insured, average loss claims etc. We restrict ourselves to a single insurance class the so-called automobile insurance. We show the existence a crossover premium p_c below which the company is loss-making. Above p_c, we also give detailed statistical ana...
This article analyzes rules for negligent misrepresentation in insurance contract law. Before contract signature, the applicant can be asked by the insurer to fill in a questionnaire concerning the risk, and may then omit or make untrue statements about facts. Such misrepresentation is considered...... negligent by the court when it is unclear the misrepresentation was due to a mistake or intentional. Rules of negligent misrepresentation differ significantly across jurisdictions. For example, the rule of common law allows the insurer to rescind the contract, whereas the German rule does not allow...... of these rules through an analysis of the degree to which the insured should be allowed to lower coverage in case of negligent misrepresentation. On the one hand, a strict rule renders it easier for an insurer to separate different types of risk without having to use other costly means of separation...
Since 1957 the nuclear insurance pools have provided liability and property insurance for the nation's nuclear power generating stations as mandated by the Price-Anderson Act. Although the insurance was originally structured to give financial protection to the insured in the event of a major accident, the potential for third-party claims arising from routine occupational exposure is becoming a more realistic pathway for a loss to the pools. In order to give maximum protection to the pools' assets, the Liability Engineering Department of American Nuclear Insurers (ANI) performs periodic inspections of the power plants. By concentrating on programs and management areas, ANI inspections complement regulatory inspections so that all major areas of common interest are reviewed. This paper presents the nature, results, and findings of those periodic inspections particularly in the general area of plant radiation protection
Full Text Available Providing insurance contract with “deductible” is beneficial for both insurer and insured. In this paper, we provide a utility modeling approach to handle insurance pricing and evaluate the tradeoff between discount benefit and deductible level. We analyze four different pricing problems of no insurance, full insurance coverage, insurance with β% deductible and insurance with D-dollar deductible based on a given utility function. A numerical example is also used to illustrate some interesting results.
significant effects on food crop production and productivity. ... 2 Department of Economics and Resource management, Norwegian University of Life Sciences, Norway ... food markets work well, the problem of imperfect markets does not allow ..... prices at the time of purchase with the remaining balance due at the end of the.
... total amount of war risk insurance obtainable from companies authorized to do an insurance business in a... MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Builder's Risk Insurance § 308.403 Insured amounts. (a) Prelaunching period. The amount insured during...
Fabeiro, Concepcion; Andres, Manuela; Wic, Consuelo
watered until field capacity and covered with clear plastic (160 gauges). Plastic remained until 28 October. There have been two soil sampling, July 24 and November 4. Garlic bulbs were planted in December 23. Selected "Morado" variety, obtained free virus by in vitro culture by the own Cooperative was used. The culture will run until July, following homogeneous organic practices for the 5 treatments. The microbiological activity of a soil directly influences the stability and fertility of a crop. The most common indices used to measure the metabolic activity of the soil are, apart from the net nitrogen mineralization, microbial respiration, soil enzyme activities and the energy involved in the processes (Brookes, 1995; Nanipieri, 1994). Soil samples taken in the different experimental conditions were cleaned, sieved and kept in the laboratory at 4° C for immediate analysis of respiration, biomass carbon and enzyme activities (β-glucosidase, phosphatase, urease and dehydrogenase). They were then dried for analysis of physico-chemical parameters, total carbon and nitrogen, phosphorus, conductivity, pH and carbonates. At the time of this summary, biosolarization shows to be effective in controlling weeds before crop planting. The results of soil analysis show a significant effect on the indicators studied.
Boone, Jan; Schottmüller, Christoph
Standard insurance models predict that people with high risks have high insurance coverage. It is empirically documented that people with high income have lower health risks and are better insured. We show that income differences between risk types lead to a violation of single crossing...... in an insurance model where people choose treatment intensity. We analyse different market structures and show the following: If insurers have market power, the violation of single crossing caused by income differences and endogenous treatment choice can explain the empirically observed outcome. Our results do...
Food and Agriculture Organization; The World Bank; IFAD
Metadata only record This is a module in the "Gender in Agriculture Sourcebook" published by the World Bank, UN Food and Agriculture Organization, and International Fund for Agricultural Development. This module examines the role of gender in crop agriculture as an essential component of development and poverty reduction. Gender is an integral aspect of crop agriculture because women's roles in crop production and household subsistence, as well as their knowledge of complex production syst...
Hung, Hung-Chih; Hung, Jia-Yi
1. Background Major portions of the Asia-Pacific region is facing escalating exposure and vulnerability to climate change and flood-related extremes. This highlights an arduous challenge for public agencies to improve existing risk management strategies. Conventionally, governmental funding was majorly responsible and accountable for disaster loss compensation in the developing countries in Asia, such as Taiwan. This is often criticized as an ineffective and inefficient measure of dealing with flood risk. Flood insurance is one option within the toolkit of risk-sharing arrangement and adaptation strategy to flood risk. However, there are numerous potential barriers for insurance companies to cover flood damage, which would cause the flood risk is regarded as uninsurable. This study thus aims to examine attitudes within the insurers about the viability of flood insurance, the decision-making processes of pricing flood insurance and their determinants, as well as to examine potential solutions to encourage flood insurance. 2. Methods and data Using expected-utility theory, an insurance agent-based decision-making model was developed to examine the insurers' attitudes towards the insurability of flood risk, and to scrutinize the factors that influence their decisions on flood insurance premium-setting. This model particularly focuses on how insurers price insurance when they face either uncertainty or ambiguity about the probability and loss of a particular flood event occurring. This study considers the factors that are expected to affect insures' decisions on underwriting and pricing insurance are their risk perception, attitudes towards flood insurance, governmental measures (e.g., land-use planning, building codes, risk communication), expected probabilities and losses of devastating flooding events, as well as insurance companies' attributes. To elicit insurers' utilities about premium-setting for insurance coverage, the 'certainty equivalent,' 'probability
This book is a compilation of 21 papers presented at the International Cramér Symposium on Insurance Mathematics (ICSIM) held at Stockholm University in June, 2013. The book comprises selected contributions from several large research communities in modern insurance mathematics and its applications. The main topics represented in the book are modern risk theory and its applications, stochastic modelling of insurance business, new mathematical problems in life and non-life insurance, and related topics in applied and financial mathematics. The book is an original and useful source of inspiration and essential reference for a broad spectrum of theoretical and applied researchers, research students and experts from the insurance business. In this way, Modern Problems in Insurance Mathematics will contribute to the development of research and academy–industry co-operation in the area of insurance mathematics and its applications.
The author analyses the papers presented at the Paris Conference on the maturity of nuclear energy. It is evident that financing possibilities will be a determinant factor in the rate of development of nuclear power during the years to come. After having evaluated the capital requirements necessitated for the development of nuclear programmes, the parties intervening have examined the means at the disposal of electricity manufacturers to meet these needs (self-financing, recourse to external financing, regrouping, on an international scale of the electricity manufacturers of the setting up of high capacity plants). As concerns the insurance problems, they are becoming more and more involved as nuclear applications, are further diversified and intensified. The parties intervening have discussed new tarification techniques likely to be applied and pointed out the possibilities offered by regrouping or pooling of insurers (Market Pool) which allow for a maximum of risks to be covered without exceeding the means proper to each company concerned [fr
It examines the technical, scientific and legal issues relating to the peaceful use of atomic energy in Turkey. The first fifteen chapters give a general overview of the atom and radioactivity; the chapters which follow this section are more technical and deal with the causes of nuclear accidents in reactors.A number of chapters cover legal issues, for example the conditions and procedures involved in the insurance market and the risks linked to operation of a nuclear power plant.The following subjects are examined in relation to nuclear insurance: risks during construction; fire during operation of the plants and other causes of accidents; risks due to the transport of radioactive materials and waste etc. The final chapters reproduce the principle legislative texts in force in Turkey in the field of nuclear energy, and also certain regulations which establish competent regulatory bodies
Gârbo Viorica Irina
Full Text Available Malpractice insurance of medical staff is probably the oldest professional liability insurance underwritten in the insurance market in Romania. The aim of our research is to theoretically examine in a qualitative inquiry the usefulness of insurance completion by the practitioners from the Romanian health system at both state and private, in order to improve a best practice medical insurance. The medical profession is practiced in Romania under the Code of Medical Ethics 30 March 2012 prepared in code that complies with international standards contained in the Geneva Declaration of 1948, as amended by the World Medical Association and the International Code of Medical Ethics. The forms of medical liability are: disciplinary, administrative, civil and criminal and only the civil liability can be taken into insurance because only it meets the conditions of insurability. Once we explain in general and the insurance liability in particular we show articles of the Romanian Civil Code which establishes the obligation the one that caused an injury to a third person for the repair or indemnify and conditions provided by the Civil Code as an act to be considered liability. Then we refer to situations where the patient may be damaged through the fault of the doctor or the doctor unit operates. The object of malpractice insurance is loss of money that the insured would have to pay a patient whom he caused injury as a result of acts or deeds of negligence committed to, during and in relation to professional activity. Risks taken in the insurance are personal injury, illness or death of the patient and / or moral damages. Regarding the excluded risks we have presented an overview of the more common contracts underwritten by Romanian insurance companies. We show the way of underwriting, the insured sums of the standard insurance and the additional one which subscribes moral damages, to companies in Romania agreed by bodies which organize and supervise the
Full Text Available Transparency in insurance law attaches to the rights and duties of the parties, the relationships between insurers, insurance intermediaries such as agents and brokers, insurance supervisory law and insurance dispute resolution procedures. Regarding the rights and duties of the insurer and the prospective policyholder, it requires insurers to disclose precontractual information in a timely manner that is clear, understandable, legible and unambiguous. Transparency as a value is incredibly important in insurance contracts. This contribution focuses exclusively on the insurer's duty of disclosure during precontractual negotiations. Although the insured's duty of disclosure has enjoyed more attention in the past, the duty clearly applies to the insurance proposer as well as the insurer. The purpose of this contribution is to evaluate the nature and extent of the insurer's transparency duties as informed by both common and statutory laws. The insurer's duty is derived primarily from the statutory rights of access to information in accordance with the provisions of the Constitution of the Republic of South Africa and the Promotion of Access to Information Act. It is furthermore supported by specific insurance consumer protection law found in the detailed provisions on mandatory disclosures in the Financial Advisory and Intermediary Services Act, the Long-term Insurance Act, the Short-term Insurance Act and, finally, the Policyholder Protection Rules issued in accordance with these acts. Strict rules on advertising can be found in the General Code of Conduct issued under the FAIS Act. The Act furthermore specifically targets the activities of insurance intermediaries in precontractual disclosures. The fact that insurance products and services have been exempted from the scope of the Consumer Protection Act from 28 February 2014 should not diminish the insured's right to rely on universal consumer protection principles as envisaged by South African
Gerber, Hans U
This concise introduction to life contingencies, the theory behind the actuarial work around life insurance and pension funds, will appeal to the reader who likes applied mathematics. In addition to model of life contingencies, the theory of compound interest is explained and it is shown how mortality and other rates can be estimated from observations. The probabilistic model is used consistently throughout the book. Numerous exercises (with answers and solutions) have been added, and for this third edition several misprints have been corrected.
Ruiz, M.; Bielza, J.; Garrido, A.; Iglesias, A.
Hydrological drought is expected to have an increasing impact on both crop and fruit yields in arid and semi-arid regions. Some existing crop insurance schemes provide coverage against water deficits in rain-fed agriculture. The Prevented Planting Program in the USA covers against drought for irrigated agriculture. However, drought insurance for irrigated agriculture is still a challenge for companies and institutions because of the complexity of the design and implementation of this type of insurance. Few studies have attempted to evaluate the risk of loss due to irrigation water scarcity using both stand-alone production functions and crop simulation models. This paper’s contributions are that it evaluates the suitability of AquaCrop for calculating drought insurance premiums for irrigated agriculture and that it discusses contract conditions and insurance design for hydrological drought risk coverage as part of a traditional insurance product, with on-field loss assessment in combination with a trigger index. This method was applied to an irrigation district in southern Spain. Our insurance premium calculation showed that it is feasible to apply this method provided that its data requirements are met, such as a large enough set of reliable small-scale yield and irrigation time series data, especially soil data, to calibrate AquaCrop. The choice of a trigger index should not be underestimated because it proved to have a decisive influence on insurance premiums and indemnities. Our discussion of the contract conditions shows that hydrological drought insurance must comply with a series of constraints in order to avoid moral hazard and basis risk. (Author)
Full Text Available Hydrological drought is expected to have an increasing impact on both crop and fruit yields in arid and semi-arid regions. Some existing crop insurance schemes provide coverage against water deficits in rain-fed agriculture. The Prevented Planting Program in the USA covers against drought for irrigated agriculture. However, drought insurance for irrigated agriculture is still a challenge for companies and institutions because of the complexity of the design and implementation of this type of insurance. Few studies have attempted to evaluate the risk of loss due to irrigation water scarcity using both stand-alone production functions and crop simulation models. This paper’s contributions are that it evaluates the suitability of AquaCrop for calculating drought insurance premiums for irrigated agriculture and that it discusses contract conditions and insurance design for hydrological drought risk coverage as part of a traditional insurance product, with on-field loss assessment in combination with a trigger index. This method was applied to an irrigation district in southern Spain. Our insurance premium calculation showed that it is feasible to apply this method provided that its data requirements are met, such as a large enough set of reliable small-scale yield and irrigation time series data, especially soil data, to calibrate AquaCrop. The choice of a trigger index should not be underestimated because it proved to have a decisive influence on insurance premiums and indemnities. Our discussion of the contract conditions shows that hydrological drought insurance must comply with a series of constraints in order to avoid moral hazard and basis risk.
Chernew, M E; Encinosa, W E; Hirth, R A
We explore optimal cost-sharing provisions for insurance contracts when individuals have observable, severe diseases with a discrete number of medically appropriate treatment options. Variation in preferences for alternative treatments is unobserved by the insurer and non-contractible. Interest in such situations is increasingly common, exemplified by disease carve-out programs and shared decision-making (SDM) tools. We demonstrate that optimal insurance charges a copay to patients choosing the high-cost treatment and provides consumers of the low-cost treatment a cash payment. A simulation of the effect of such a policy, based on prostate cancer, indicates a substantial reduction in moral hazard.
Full Text Available Adoption of personalized medicine in practice has been slow, in part due to the lack of evidence of clinical benefit provided by these technologies. Coverage by insurers is a critical step in achieving widespread adoption of personalized medicine. Insurers consider a variety of factors when formulating medical coverage policies for personalized medicine, including the overall strength of evidence for a test, availability of clinical guidelines and health technology assessments by independent organizations. In this study, we reviewed coverage policies of the largest U.S. insurers for genomic (disease-related and pharmacogenetic (PGx tests to determine the extent that these tests were covered and the evidence basis for the coverage decisions. We identified 41 coverage policies for 49 unique testing: 22 tests for disease diagnosis, prognosis and risk and 27 PGx tests. Fifty percent (or less of the tests reviewed were covered by insurers. Lack of evidence of clinical utility appears to be a major factor in decisions of non-coverage. The inclusion of PGx information in drug package inserts appears to be a common theme of PGx tests that are covered. This analysis highlights the variability of coverage determinations and factors considered, suggesting that the adoption of personal medicine will affected by numerous factors, but will continue to be slowed due to lack of demonstrated clinical benefit.
Santos, Jose Barbosa dos; Procopio, Sergio de Oliveira; Silva, Antonio Alberto da [Universidade Federal de Vicosa (UFV), MG (Brazil). FItotecnia; Costa, Luiz Claudio [Universidade Federal de Vicosa (UFV), 36571-000, MG (Brazil). Dept. de Engenharia Agricola
Aiming to develop techniques for the establishment of a Weed Integrated Management Program, the performance of common bean (Phaseolus vulgaris L.) and soybean (Glycine max (L.) Merrill) and of weeds Bidens pilosa L., Euphorbia heterophylla L. (two biotypes), sensitive and resistant to ALS inhibitor - herbicides and [ Desmodium tortuosum (SW.) DC.], was evaluated in relation to their efficiency in capturing and utilizing solar radiation.The following indices were calculated: total dry biomass production rate (Ct), leaf dry biomass production rate (Cf), radiation efficient use (x), net assimilation rate (EA), specific leaf area (SA), leaf area index (L), leaf matter ratio (FW) and leaf area ratio (FA). No difference was observed for all characteristics evaluated among E. heterophylla biotypes. Soybean showed the highest rate of total dry biomass production along its cycle and also the highest leaf area index, indicating its greater capacity in capturing light and providing shade to competitive plants. Especially after flowering, common bean was the most efficient in draining its photoassimilates for leaf formation. Soybean showed greater efficiency in converting radiation intercepted in the biomass. (author)
James M Dupree
Infertility is a common condition experienced by many men and women, and treatments are expensive. The World Health Organization and American Society of Reproductive Medicine define infertility as a disease, yet private companies infrequently offer insurance coverage for infertility treatments. This is despite the clear role that healthcare insurance plays in ensuring access to care and minimizing the financial burden of expensive services. In this review, we assess the current knowledge of h...
There are many situations when life insurance can fill the financial needs of business owners. Three of the most common needs are business continuation/value conservation (buy-sell agreement), asset conservation upon death or disability of a key employee (replace the value of a key employee upon death or disability), and the reward and retention of selected employees (bonus or deferred compensation). Let's take a closer look to see why life insurance makes sense in these three areas
Tvergaard, Viggo; Hutchinson, John W.
Cropping is a cutting process whereby opposing aligned blades create a shearing failure by exerting opposing forces normal to the surfaces of a metal sheet or plate. Building on recent efforts to quantify cropping, this paper formulates a plane strain elastic-plastic model of a plate subject to s...
Jørgensen, Lise Nistrup; Nielsen, Bent Jørgen; Mathiassen, Solvejg Kopp
Linket til højre henviser til rapporten i trykt format til download. This publication contains results from crop protection trials which were carried out at the Department of Agroecology within the area of gricultural crops. Most of the results come from field trials, but results from greenhouse...
Jørgensen, Lise Nistrup; Nielsen, Bent Jørgen; Mathiassen, Solvejg Kopp
Linket til højre henviser til rapporten i trykt format til download. This publication contains results from crop protection trials which were carried out at the Department of Agroecology within the area of gricultural crops. Most of the results come from field trials, but results from greenhouse ...
Jørgensen, Lise Nistrup; Nielsen, Bent Jørgen; Jensen, Peter Kryger
This publication contains results from crop protection trials which were carried out at the Department of Agroecology within the area of agricultural crops. Most of the results come from field trials, but results from greenhouse and semi-field trials are also included. The report contains results...
Full Text Available Under L-type economy, remodelling the growth power in the medium and long term is essential. The insurance industry during the 13th Five-year Plan period has been given a heavy expectation on promoting economic quality and upgrading economic efficiency, so it will try to accelerate its innovation and development process which serves national needs, market demand and people's requirements. Referring to the previous researches of Solow and Zhang and measuring Capital Stock and Total Factor Productivity independently, the paper analyses the inherent correlation between insurance (including life insurance and non-life insurance and economic growth, reveals the contribution law of the insurance development in economic growth in the short and long term from both economic scale and quality respectively. It also shows enlightenments on policy decision for insurance industry, thus helps economic stability under the downturn periods.
Electrical utility companies have invested large sums in the establishment of nuclear facilities. For this reason it is normal for these companies to attempt to protect their investments as much as possible. One of the methods of protection is recourse to insurance. For a variety of reasons traditional insurance markets are unable to function normally for a number of reasons including, the insufficient number of risks, an absence of meaningful accident statistics, the enormous sums involved and a lack of familiarity with nuclear risks on the part of insurers, resulting in a reluctance or even refusal to accept such risks. Insurers have, in response to requests for coverage from nuclear power station operators, established an alternative system of coverage - insurance through a system of insurance pools. Insurers in every country unite in a pool, providing a net capacity for every risk which is a capacity covered by their own funds, and consequently without reinsurance. All pools exchange capacity. The inconvenience of this system, for the operators in particular, is that it involves a monopolistic system in which there are consequently few possibilities for the negotiation of premiums and conditions of coverage. The system does not permit the establishment of reserves which could, over time, reduce the need for insurance on the part of nuclear power station operators. Thus the cost of nuclear insurance remains high. Alternatives to the poor system of insurance are explored in this article. (author)
Full Text Available The study investigates the effect of weather-index insurance on intensity of fertilizer use and yields among 230 smallholder maize farmers in Northern Region of Ghana. Out of the total sample of selected farmers, about 35% purchased the insurance. Using an endogenous treatment regression model, the study showed that weather-index insurance purchase increased the intensity of fertilizer use but did not have a significant effect on maize yield. Past experience of crop failure due to drought, livestock ownership as well as the total area of land owned explained weather-index insurance purchase in the study area. Based on the results of this study, the Government of Ghana can use weather-index insurance as a policy tool to increase the use of fertilizer by smallholder maize farmers.
We analyze dynamic interactions between market insurance, the stock of insurable assets and liquid wealth accumulation in a model with non-durable and durable consumption. The stock of the durable is exposed to risk against which households can insure. Since the model does not have a closed form solution we first provide an analytical approximation for the case in which households own abundant liquid wealth. It turns out that precautionary motives still matter because of fluctuations of the p...
... specified in Item 2 of the Attachment and in the form of the nuclear energy liability insurance policy... limits of liability of all other nuclear energy liability insurance policies (facility form) applicable... liability insurance policies (facility form) applicable to such common occurrence and issued by Mutual...
Doltra, Jordi; Olesen, Jørgen E
common practices in organic farming. Measurements of dry matter (DM) and N content of grain cereals at harvest, above-ground biomass in catch crops and green manure crops in autumn and of the green manure crop at the first cutting were performed. The effect of catch crops on grain yield varied...... the nitrate leaching and increasing N retention, but also by improving yields. Management practices in relation to catch crops must be adapted to the specific soil and cropping systems....
on the theme, originally proposed by Fischer Black. In CPPI, a financial institution guarantees a floor value for the “insured” portfolio and adjusts the stock/bond mix to produce a leveraged exposure to the risky assets, which depends on how far the portfolio value is above the floor. Plain-vanilla portfolio...... insurance largely died with the crash of 1987, but CPPI is still going strong. In the frictionless markets of finance theory, the issuer’s strategy to hedge its liability under the contract is clear, but in the real world with transactions costs and stochastic jump risk, the optimal strategy is less obvious...
The present paper debates the main aspects related to ethics, into an industry that recorded exponential growth in Romania insurance field. A very important role for a good business is enhanced by the ethics. The specialists appreciate that ethics represent a key factor for business success. Obviously, the insurance field into a competition market must follow all the aspects related to ethics. The ethics should be an essential element of every insurance company management. If we talk about et...
Li, T.; Hasegawa, T.; Yin, X.; Zhu, Y.; Boote, K.; Adam, M.; Bregaglio, S.; Buis, S.; Confalonieri, R.; Fumoto, T.; Gaydon, D.; Marcaida III, M.; Nakagawa, H.; Oriol, P.; Ruane, A.C.; Ruget, F.; Singh, B.; Singh, U.; Tang, L.; Yoshida, H.; Zhang, Z.; Bouman, B.
Predicting rice (Oryza sativa) productivity under future climates is important for global food security. Ecophysiological crop models in combination with climate model outputs are commonly used in yield prediction, but uncertainties associated with crop models remain largely unquantified. We
Jha, Saurabh; Baker, Tom
Insurance plays an important role in the United States, most importantly in but not limited to medical care. The authors introduce basic economic concepts that make medical care and health insurance different from other goods and services traded in the market. They emphasize that competitive pricing in the marketplace for insurance leads, quite rationally, to risk classification, market segmentation, and market failure. The article serves as a springboard for understanding the basis of the reforms that regulate the health insurance market in the Patient Protection and Affordable Care Act. Copyright © 2012 American College of Radiology. Published by Elsevier Inc. All rights reserved.
Kumar, Sandeep; Wegner, Brianna; Vahyala, Ibrahim; Osborne, Shannon; Schumacher, Thomas; Lehman, Michael
Crop residue harvest is a common practice in the Midwestern USA for the ethanol production. However, excessive removal of crop residues from the soil surface contributes to the degradation of important soil quality indicators such as soil organic carbon (SOC). Addition of a cover crop may help to mitigate these negative effects. The present study was set up to assess the impacts of corn (Zea mays L.) residue removal and cover crops on various soil quality indicators and surface greenhouse gas (GHG) fluxes. The study was being conducted on plots located at the North Central Agricultural Research Laboratory (NCARL) in Brookings, South Dakota, USA. Three plots of a corn and soybean (Glycine max (L.) Merr.) rotation under a no-till (NT) system are being monitored for soils and surface gas fluxes. Each plot has three residue removal (high residue removal, HRR; medium residue removal, MRR; and low residue removal, LRR) treatments and two cover crops (cover crops and no cover crops) treatments. Both corn and soybean are represented every year. Gas flux measurements were taken weekly using a closed static chamber method. Data show that residue removal significantly impacted soil quality indicators while more time was needed for an affect from cover crop treatments to be noticed. The LRR treatment resulted in higher SOC concentrations, increased aggregate stability, and increased microbial activity. The LRR treatment also increased soil organic matter (SOM) and particulate organic matter (POM) concentrations. Cover crops used in HRR (high corn residue removal) improved SOC (27 g kg-1) by 6% compared to that without cover crops (25.4 g kg-1). Cover crops significantly impacted POM concentration directly after the residue removal treatments were applied in 2012. CO2 fluxes were observed to increase as temperature increased, while N2O fluxes increased as soil moisture increased. CH4 fluxes were responsive to both increases in temperature and moisture. On average, soils under
... mutual), mutual marine insurance companies, and mutual fire insurance companies issuing perpetual... companies (other than life or mutual), mutual marine insurance companies, and mutual fire insurance... insurance companies and mutual fire insurance companies exclusively issuing either perpetual policies, or...
Dupree, James M
Infertility is a common condition experienced by many men and women, and treatments are expensive. The World Health Organization and American Society of Reproductive Medicine define infertility as a disease, yet private companies infrequently offer insurance coverage for infertility treatments. This is despite the clear role that healthcare insurance plays in ensuring access to care and minimizing the financial burden of expensive services. In this review, we assess the current knowledge of how male infertility care is covered by insurance in the United States. We begin with an appraisal of the costs of male infertility care, then examine the state insurance laws relevant to male infertility, and close with a discussion of why insurance coverage for male infertility is important to both men and women. Importantly, we found that despite infertility being classified as a disease and males contributing to almost half of all infertility cases, coverage for male infertility is often excluded from health insurance laws. Excluding coverage for male infertility places an undue burden on their female partners. In addition, excluding care for male infertility risks missing opportunities to diagnose important health conditions and identify reversible or irreversible causes of male infertility. Policymakers should consider providing equal coverage for male and female infertility care in future health insurance laws.
This article discusses how a special library can meet the needs of a specific industry. The author focuses on India's National Insurance Academy (NIA) Library, which serves the insurance industry of India and some neighboring countries. It is where the author serves as the chief librarian.
Hadley, Jack; Reschovsky, James D; Cunningham, Peter; Kenney, Genevieve; Dubay, Lisa
States increasingly are using premiums for near-poor children in their public insurance programs (Medicaid/SCHIP) to limit private insurance crowd-out and constrain program costs. Using national data from four rounds of the Community Tracking Study Household Surveys spanning the seven years from 1996 to 2003, this study estimates a multinomial logistic regression model examining how public and private insurance premiums affect insurance coverage outcomes (Medicaid/SCHIP coverage, private coverage, and no coverage). Higher public premiums are significantly associated with a lower probability of public coverage and higher probabilities of private coverage and uninsurance; higher private premiums are significantly related to a lower probability of private coverage and higher probabilities of public coverage and uninsurance. The results imply that uninsurance rates will rise if both public and private premiums increase, and suggest that states that impose or increase public insurance premiums for near-poor children will succeed in discouraging crowd-out of private insurance, but at the expense of higher rates of uninsurance. Sustained increases in private insurance premiums will continue to create enrollment pressures on state insurance programs for children.
...] National Flood Insurance Program (NFIP); Assistance to Private Sector Property Insurers, Availability of FY... Assistance/Subsidy Arrangement (Arrangement), 85 (as of June 2013) private sector property insurers sell... Financial Assistance/ Subsidy Arrangement (Arrangement) to notify private insurance companies (Companies...
...] National Flood Insurance Program (NFIP); Assistance to Private Sector Property Insurers, Availability of FY... Assistance/Subsidy Arrangement (Arrangement), 82 (as of April, 2012) private sector property insurers sell... Financial Assistance/ Subsidy Arrangement (Arrangement) to notify private insurance companies (Companies...
... to know what your insurance company is paying…Health Insurance: Understanding What It CoversRead Article >>Insurance & BillsHealth Insurance: Understanding What It CoversYour insurance policy lists a package of medical benefits such as tests, drugs, and treatment services. These ...
Rosen, Anita; Lynch, Margaret E.
This booklet is intended to help students gain a broad understanding of the meaning, characteristics, organization, products, and functions of the insurance industry. The following topics are discussed: the concept of and need for insurance; basic principles of insurance (risk assessment, insurability and insurable interest, determination of…
Li, Yiting; Miranda, Mario J.
Conventional agricultural index insurance indemnifies based on the observed value of a specified variable, such as rainfall, that is correlated with agricultural production losses. Typically, indemnities are paid to the policyholder after the losses have been experienced. This paper explores alternate timing for index insurance payouts. In particular, we explore the potential benefits of what we call “mitigation index insurance” in which the payouts of the insurance contract arrive before los...
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Full Text Available Summary: Principles of European Insurance Contract Law (PEICL provides for a set of principles, definitions and model rules exclusively addressing general law for insurance contract. This work has been preformed within greater project for the creation of Common frame of reference on European contract law initiated by the Commission in 2003. PEICL is essentially designed to perform two basic functions. It would improve the quality of the EU acquis in the area of contract law, remove differences and achieve higher degree of divergences between contract laws of the Member states, and even help the national legislators when enacting legislation or Courts with the possible interpretation of the acquis. On the other hand PEICL could be adopted as an optional instrument, thus offering the common platform for contracting in the area of insurance law on the EU level. Possible Optional instrument would exist parallel with, rather instead of, national insurance contract laws. European Parliament resolution of 2011 on policy options for progress towards a European Contract Law for consumers and businesses and corresponding Green Paper of 2010 show positive tendency towards optional instrument in the legal form of Regulation. This would suit the requirements of the insurance sector. However, there are numerous signals showing adversely. For that reason this paper analyses the development and the status of Principles of European Insurance Contract Law particularly the status and perspectives of Principles within the project for the creation of European contract law.
Drury, J.S.; Baldauf, M.F.; Daniel, E.W.; Fore, C.S.; Uziel, M.S.
Published levels of radioactivity in food crops from 21 countries and 4 island chains of Oceania are listed. The tabulation includes more than 3000 examples of 100 different crops. Data are arranged alphabetically by food crop and geographical origin. The sampling date, nuclide measured, mean radioactivity, range of radioactivities, sample basis, number of samples analyzed, and bibliographic citation are given for each entry, when available. Analyses were reported most frequently for 137 Cs, 40 K, 90 Sr, 226 Ra, 228 Ra, plutonium, uranium, total alpha, and total beta, but a few authors also reported data for 241 Am, 7 Be, 60 Co, 55 Fe, 3 H, 131 I, 54 Mn, 95 Nb, 210 Pb, 210 Po, 106 Ru, 125 Sb, 228 Th, 232 Th, and 95 Zr. Based on the reported data it appears that radioactivity from alpha emitters in food crops is usually low, on the order of 0.1 Bq.g -1 (wet weight) or less. Reported values of beta radiation in a given crop generally appear to be several orders of magnitude greater than those of alpha emitters. The most striking aspect of the data is the great range of radioactivity reported for a given nuclide in similar food crops with different geographical origins
Drury, J.S.; Baldauf, M.F.; Daniel, E.W.; Fore, C.S.; Uziel, M.S.
Published levels of radioactivity in food crops from 21 countries and 4 island chains of Oceania are listed. The tabulation includes more than 3000 examples of 100 different crops. Data are arranged alphabetically by food crop and geographical origin. The sampling date, nuclide measured, mean radioactivity, range of radioactivities, sample basis, number of samples analyzed, and bibliographic citation are given for each entry, when available. Analyses were reported most frequently for /sup 137/Cs, /sup 40/K, /sup 90/Sr, /sup 226/Ra, /sup 228/Ra, plutonium, uranium, total alpha, and total beta, but a few authors also reported data for /sup 241/Am, /sup 7/Be, /sup 60/Co, /sup 55/Fe, /sup 3/H, /sup 131/I, /sup 54/Mn, /sup 95/Nb, /sup 210/Pb, /sup 210/Po, /sup 106/Ru, /sup 125/Sb, /sup 228/Th, /sup 232/Th, and /sup 95/Zr. Based on the reported data it appears that radioactivity from alpha emitters in food crops is usually low, on the order of 0.1 Bq.g/sup -1/ (wet weight) or less. Reported values of beta radiation in a given crop generally appear to be several orders of magnitude greater than those of alpha emitters. The most striking aspect of the data is the great range of radioactivity reported for a given nuclide in similar food crops with different geographical origins.
Climate variability and change have been implicated to have significant impacts on global and regional food production particularly the common stable food crops performance in tropical sub-humid climatic zone. However, the extent and nature of these impacts still remain uncertain. In this study, records of crop yields and ...
... insurance industry traces its roots back to England, where, in 1696, the first mutual fire insurer was... FEDERAL DEPOSIT INSURANCE CORPORATION 12 CFR Part 380 RIN 3064-AD89 Mutual Insurance Holding Company Treated as Insurance Company AGENCY: Federal Deposit Insurance Corporation (FDIC). ACTION: Notice...
Morgan, Omar, D.; And Others
As part of a cooperative extension service series by the University of Maryland, this publication introduces the identification and control of common agricultural pests that can be found in field and forage crops. The first of the five sections defines "pest" and "weed" and generally introduces different kinds of pests in the…
Plantinga, A; Huijgen, C
In this article, the authors develop an attribution framework for evaluating the investment performance of institutional investors such as insurance companies. The model is useful in identifying the investment skills of insurance companies. This is accomplished by developing a dual benchmark for the
Baran, Nancy H., Ed.
This booklet provides some practical guidelines for determining total insurance needs, examining options, and comparing costs. It discusses how to fit insurance costs into an overall financial plan, the necessity of adequate liability coverage, and the importance of keeping policies up to date. The next four sections highlight the basic types of…
Skold, Melvin D.; Davis, Robert M.
The incidence of benefits and costs from controlling rangeland grasshoppers on public grazing lands poses problems of economic efficiency and distributional equity. Public grasshopper control programs operate like public disaster assistance. However, grasshopper infestations are an insurable risk. This article proposes a rangeland grasshopper insurance program which reduces the economic inefficiencies and distributional inequities of the existing program.
Andersen, Torben M.; Svarer, Michael
The consequences of business cycle contingencies in unemployment insurance systems are considered in a search-matching model allowing for shifts between "good" and "bad" states of nature. We show that not only is there an insurance argument for such contingencies, but there may also be an incentive...
The paper examines Russian banks’ household deposit interest rates for the transition period of setting up the deposit insurance system. Monthly observations of Russian banks’ interest rates and balance sheets are used in a fixed effects panel data model. It is shown market discipline has been significantly diminished after switching to the deposit insurance.
... REPAIRS UNDER NATIONAL SHIPPING AUTHORITY MASTER LUMP SUM REPAIR CONTRACT-NSA-LUMPSUMREP Sec. 13 Insurance. Article 9 of the NSA-LUMPSUMREP Contract sets forth the Contractor's liabilities and obligations with... 46 Shipping 8 2010-10-01 2010-10-01 false Insurance. Sec. 13 Section 13 Shipping MARITIME...
Goglio, Pietro; Brankatschk, Gerhard; Knudsen, Marie Trydeman
objectives of this discussion article are as follows: (i) to discuss the characteristics of cropping systems which might affect the LCA methodology, (ii) to discuss the advantages and the disadvantages of the current available methods for the life-cycle assessment of cropping systems, and (iii) to offer...... management and emissions, and (3) functional unit issues. The LCA approaches presented are as follows: cropping system, allocation approaches, crop-by-crop approach, and combined approaches. The various approaches are described together with their advantages and disadvantages, applicability...... considers cropping system issues if they are related to multiproduct and nutrient cycling, while the crop-by-crop approach is highly affected by assumptions and considers cropping system issues only if they are related to the analyzed crop. Conclusions Each LCA approach presents advantages and disadvantages...
Amber Saylor Mase
Full Text Available Global climate change presents unique challenges to the resilience of United States agriculture, and farmers and advisors must utilize effective adaptation strategies to be both economically and environmentally sustainable. This study addresses Midwestern U.S. crop farmers’ beliefs about climate change, perceived risks from weather and climate, and attitudes toward adaptation that influence their decisions to adopt adaptation strategies. Analyzing a 2012 survey of nearly 5000 corn farmers across 22 Midwestern U.S. Watersheds, we investigate the most common weather and climate risk management strategies, including purchasing additional crop insurance, implementing conservation practices, and adding new technology. U.S. farmers’ belief in anthropogenic climate change, perceptions of changing weather patterns, climate risks to their farm and attitudes toward adapting are analyzed. Farmers’ perceptions of risk to their own farm, attitudes toward innovation and adaptation attitudes were the most important determinants of adaptation. This study highlights the critical role of risk perceptions in adaptation attitudes as well as behaviors among agriculturalists. Finally, we discuss how these findings could be applied to increase uptake of adaptation strategies and thus resilience of U.S. agriculture to a changing climate.
Marius Dan GAVRILETEA
Full Text Available Insurance industry in Romania is facing for a few years a continuous decreasing in Gross Written Premium. The negative trend may be caused by the effects of financial crises for companies and also for individuals. In order to keep theirs market share, insurance companies must identify new opportunities to increase theirs’ GWP. Among these new market niches hospitality industry may represent an option to be followed. In this paper, we will analyze the types of insurance policies available for hospitality industry (except mandatory motors’ third party liability and motors’ own vehicle insurance. The conclusion represents solution both for insurance companies and for hotel as a part of theirs’ risk financing process.
... recipient. Federally-owned property need not be insured unless required by the terms and conditions of the... Standards § 3019.31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance...
... recipient. Federally-owned property need not be insured unless required by the terms and conditions of the... § 95.31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage...
... Student Health Insurance Coverage AGENCY: Centers for Medicare & Medicaid Services (CMS), HHS. ACTION... health insurance coverage under the Public Health Service Act and the Affordable Care Act. The proposed rule would define ``student health insurance [[Page 7768
...-economic circumstances and drug needs. Volume two presents an analysis of the un-insured and under-insured by measuring the extent to which Canadians have access to insurance for prescription drug expenses and the quality of that coverage...
The Price-Anderson Act is discussed, which establishes procedures for insuring nuclear facilities (including nuclear power plants). The act was enacted with the dual purpose of protecting the public and encouraging the development of a private nuclear energy industry. Criticisms that can generally be grouped into four categories regarding the Act are presented, the most controversial aspect being that should an accident occur, the aggregate liability of the reactor operator, the NRC, or any others who might be at fault is limited to $560 million. Lawsuits for amounts in excess of $560 million are prohibited. The 1975 renewal of the Price-Anderson Act does provide that damages in excess of the $560 million prompt Congress to review the particular incident and take action to protect the public from the consequences of a disaster of such magnitude
Full Text Available The insurance companies are important participants in the capital market. They have significant contributions in providing financial stability and encouraging competitiveness on the financial market. The insurance companies mobilize huge financial resources, investing them into different financial instruments, and so it is real to expect that they will take a role of leading institutional mediators in future. The insurance companies offer life and common insurance. Policies for life insurance offer possibility to invest into own safety and easier tackling with life challenges and uncertainties. They are especially important for the individual , because he/she is constantly exposed to risks during his/her life and work, that are manifested into decreasing of working ability and lack of resources for life in some defined period. In the developed countries, there is a tradition for possessing policies for life insurance, but it is not a case in R.Macedonia. Therefore, in this study, we shall carry out comparative analysis of life insurance in R. Macedonia and R. Serbia, the politics of insurance companies and supervision of the insurance sector, and we shall give proposals for encouraging development of insurance market in these two countries, and for increasing individual’s awareness of the benefits of having policies for life insurance.
Extreme weather events such as droughts, heat stress, rain storms and floods can have devastating effects on cropping systems. The perspective of rising risk-exposure is exacerbated further by projected increases of extreme events with climate change. More limits to aid received for agricultural damage and an overall reduction of direct income support to farmers further impacts farmers' resilience. Based on insurance claims, potatoes and rapeseed are the most vulnerable crops, followed by cereals and sugar beets. Damages due to adverse meteorological events are strongly dependent on crop type, crop stage and soil type. Current knowledge gaps exist in the response of arable crops to the occurrence of extreme events. The degree of temporal overlap between extreme weather events and the sensitive periods of the farming calendar requires a modelling approach to capture the mixture of non-linear interactions between the crop and its environment. The regional crop model REGCROP (Gobin, 2010) enabled to examine the likely frequency and magnitude of drought, heat stress and waterlogging in relation to the cropping season and crop sensitive stages of six arable crops: winter wheat, winter barley, winter rapeseed, potato, sugar beet and maize. Since crop development is driven by thermal time, crops matured earlier during the warmer 1988-2008 period than during the 1947-1987 period. Drought and heat stress, in particular during the sensitive crop stages, occur at different times in the cropping season and significantly differ between two climatic periods, 1947-1987 and 1988-2008. Soil moisture deficit increases towards harvesting, such that earlier maturing winter crops may avoid drought stress that occurs in late spring and summer. This is reflected in a decrease both in magnitude and frequency of soil moisture deficit around the sensitive stages during the 1988-2008 period when atmospheric drought may be compensated for with soil moisture. The risk of drought spells during
Crop science is a highly integrative science using the disciplines of conventional plant breeding, transgenic crop improvement, plant physiology, and cropping system sciences to develop improved varieties of agronomic, turf, and forage crops to produce feed, food, fuel, and fiber for our world's gro...
Transgenic, herbicide-resistant (HR) crops are planted on about 80% of the land covered by transgenic crops. More than 90% of HR crios are glyphosate-resistant (GR) crops, the others being resistant to glufosinate. The wide-scale adoption of HR crops, largely for economic reasons, has been the mos...
This paper considers a housing insurance market in which buildings have different damage probabilities. Insurers use imperfect tests to find out about buildings’ damage types. The insurance market is a natural monopoly. If more than one insurer is active, high risk house owners continue to apply to insurers until they are eventually assigned to a low-risk class. First we show that the natural insurance monopoly need not be sustainable. Then we show that in the equilibrium industry structure t...
Full Text Available This article provides a case study that analyzes national macroprudential insurance regulation in Switzerland. We consider an insurance market that is based on data from the Swiss private insurance industry. We stress this market with several scenarios related to financial and insurance risks, and we analyze the resulting risk capitals of the insurance companies. This stress-test analysis provides insights into the vulnerability of the Swiss private insurance sector to different risks and shocks.
Philippe Deprez; Mario V. Wüthrich
This article provides a case study that analyzes national macroprudential insurance regulation in Switzerland. We consider an insurance market that is based on data from the Swiss private insurance industry. We stress this market with several scenarios related to financial and insurance risks, and we analyze the resulting risk capitals of the insurance companies. This stress-test analysis provides insights into the vulnerability of the Swiss private insurance sector to different risks and sho...
At the Research Station of Royal Veterinary and Agricultural University, Copenhagen, Denmark, investigation concerning cultivation and exploitation of field crops for production of fuels was carried out during the period 1986-1989. High yielding crops, such as sugar beet - BETA VULGARIS, jerusalem artichoke - HELIANTHUS TUBEROSUS, rhubarb - RHEUM RHAPONTICUM, and comfrey - SYMPHYTUM ASPERUM, were grown experimentally in the field. Different cultivation methods for the crops were used and evaluated. Simultaneously with the field experiment, laboratory investigation was carried out to determine the energy potential of different products and by-products from the crops processes, such as alcoholic and methanogenic fermantation. Production expenses for the crops were determined, and cost of the fuels was estimated. The experimental results show that beet is a superior crop for the climatic conditions of Northern Europe. In the season 1986, yields exceeded 20 t TS/ha in the form of roots and tops, where achieved. A combined exploitation of beet roots and tops via alcoholic and methanogenic fermantation gave a gross energy corresponding to 80 hl OE/ha/yr. Using methanogenic fermentation exclusively, from ensiled beet roots and tops, gross energy yield corresponding to 85 hl IE/ha/yr, was achieved. The cost of energy in the form of alcohol from beet roots was estimated to be 5.17 DKK/1 OE (0.64 ECU/l OE). The cost of energy in the form of methane from ensiled beet tops, was estimated to be 2.68 DKK/l OE (0.33 ECU/l OE). At the present time, methane produced on the basis of ensiled beet roots and tops appears to be competitive with fossil fuels. Irrespective of the cost, however, the possibility of producing clean energy from field crops remains of interest for the future. (author) 27 refs.
ME Le Roux
Full Text Available Insurance provided by captive insurers is one of various forms of risk financing. The nature and main types of captive insurance companies are discussed. This is followed by the results of an empirical study that focused on South African onshore captive insurance companies. The objectives in establishing and operating a captive insurer, the factors which determine the decision of the parent company to establish and operate a captive insurer and the future and usefulness of insurance provided by captive insurers are some of the aspects that are addressed.
Centeno, H.G.S.; Horie, T.
The crop meristem is in direct contact with paddy water during crop's vegetative stage. Ambient air temperature becomes an important factor in crop development only when internodes elongate sufficiently for the meristem to rise above the water surface. This does not occur until after panicle initiation. Crop growth at vegetative stage is affected more by water temperature than the most commonly measured air temperature. During transplanting in 1992 dry season, the maximum paddy water temperature was 10 deg C higher than the maximum air temperature. For rice crop models, the development of a submodel to estimate water temperature is important to account the effect of paddy water temperature on plant growth. Paddy water temperature is estimated from mean air temperature, solar radiation, and crop canopy. The parameters of the model were derived using the simplex method on data from the 1993 wet- and dry-season field experiments at IRRI
Schaub Jr, Gary John
(PME)? I suggest three alternative paths that increased cooperation in PME at the level of the command and staff course could take: a Nordic Defence College, standardized national command and staff courses, and a core curriculum of common courses for common purposes. I conclude with a discussion of how...
There are many common software patterns and utilities for the ORNL Quantum Computing Institute that can and should be shared across projects. Otherwise we find duplication of code which adds unwanted complexity. This is a software product seeks to alleviate this by providing common utilities such as object factories, graph data structures, parameter input mechanisms, etc., for other software products within the ORNL Quantum Computing Institute. This work enables pure basic research, has no export controlled utilities, and has no real commercial value.
Röthlisberger, Veronika; Bernet, Daniel; Zischg, Andreas; Keiler, Margreth
The databases of Swiss flood insurance companies build a valuable but to date rarely used source of information on physical flood vulnerability. Detailed insights into the Swiss flood insurance system are crucial for using the full potential of the different databases for research on flood vulnerability. Insurance against floods in Switzerland is a federal system, the modalities are manly regulated on cantonal level. However there are some common principles that apply throughout Switzerland. First of all coverage against floods (and other particular natural hazards) is an integral part of every fire insurance policy for buildings or contents. This coupling of insurance as well as the statutory obligation to insure buildings in most of the cantons and movables in some of the cantons lead to a very high penetration. Second, in case of damage, the reinstatement costs (value as new) are compensated and third there are no (or little) deductible and co-pay. High penetration and the fact that the compensations represent a large share of the direct, tangible losses of the individual policy holders make the databases of the flood insurance companies a comprehensive and therefore valuable data source for flood vulnerability research. Insurance companies not only store electronically data about losses (typically date, amount of claims payment, cause of damage, identity of the insured object or policyholder) but also about insured objects. For insured objects the (insured) value and the details on the policy and its holder are the main feature to record. On buildings the insurance companies usually computerize additional information such as location, volume, year of construction or purpose of use. For the 19 (of total 26) cantons with a cantonal monopoly insurer the data of these insurance establishments have the additional value to represent (almost) the entire building stock of the respective canton. Spatial referenced insurance data can be used for many aspects of
The United Nations Environment Programme assesses that the cost of adaptation to climate change could reach 150 billions dollars per year by 2025-2030 and 500 billions dollars by 2050. This raises the issues of financing of adaptation measures, and of compensations in case of natural disaster, and insurance companies here seem to have a major role to play. However, the modification of the climatic risk puts the viability of conventional insurance mechanisms into question again. While discussing these issues, the author outlines that a sustainable insurance against these evolving risks may threaten insurance companies to go to bankrupt, but also all their policyholders who are, for most of them, unable to cope by themselves with the consequences of an extreme climatic event. The author also discusses related aspects such as risk modelling, risk mutualization, a securing of insurance companies based on the financial market, the implementation of public-private partnership, and ways to insure climate anomalies. She also comments the commitment of the insurance sector in adaptation and mitigation policies
comprehensive study of the impacts of climate variability on some common classes of food crops. (tubers, grains ... erosion, incidents of pests and diseases, and sea level rise (Onyekwelu et .... calamities and human sufferings. The productivity ...
Henrique von Hertwig Bittencourt
Full Text Available Investigou-se o efeito das coberturas de inverno centeio, aveia, azevém, ervilhaca e nabo forrageiro (e suas associações, em sistema de plantio direto, sobre a cobertura do solo e a produção de biomassa das coberturas de inverno, sobre a biomassa de plantas espontâneas deverão, no período crítico de competição, e sobre a produtividade do feijão, cv Guará. O experimento foi instalado em delineamento experimental constituído por blocos ao acaso com quatro repetições. Observaram-se as maiores percentagens de cobertura do solo no inverno, com os tratamentos centeio + ervilhaca, centeio + ervilhaca + nabo forrageiro e aveia + ervilhaca; a produção de biomassa de cobertura foi maior com centeio + ervilhaca + nabo forrageiro. Oefeito de supressão observado foi maior no monocultivo de azevém e no consórcio de centeio + ervilhaca + nabo forrageiro, porém não foi detectada correlação da biomassa de cobertura com a supressão de plantas espontâneas de verão. Os melhores rendimentos de feijão foram obtidos com o monocultivo de azevém, monocultivo de aveia e combinação centeio + ervilhaca, que atingiram 1.950, 1.730 e 1.790 kg ha-1, respectivamente. O azevém e a aveia em monocultivo apresentaram os menores custos com sementes e as maiores receitas, ou seja, os maiores retornos por unidade monetária investida.The effect of the winter cover crops rye, oat, ryegrass, vetch and fodder radish (and their mixtures in no-tillage systems was investigated on soil cover, cover crop biomass and summer weed biomass during the critical competition stage with common bean. Bean yield was also evaluated. The experimental design was randomized complete blocks and four repetitions. The highest soil cover during winter was observed in the treatments rye + vetch, rye + vetch +fodder radish and oat + vetch. The highest values of cover crops biomass production were observed in the treatments rye + vetch + fodder radish. Weed suppression was higher
Bovenberg, Lans; Sørensen, Peter Birch
We study optimal social insurance aimed at insuring disability risk in the presence of linear income taxation. Optimal disability insurance benefits rise with previous earnings. Optimal insurance is incomplete even though disability risks are exogenous and verifiable so that moral hazard in disab...... in disability insurance is absent. Imperfect insurance is optimal because it encourages workers to insure themselves against disability by working and saving more, thereby alleviating the distortionary impact of the redistributive income tax on labor supply and savings.......We study optimal social insurance aimed at insuring disability risk in the presence of linear income taxation. Optimal disability insurance benefits rise with previous earnings. Optimal insurance is incomplete even though disability risks are exogenous and verifiable so that moral hazard...
Fragnelli, Vito; Marina, Maria Erminia
We consider environmental risks that are evaluated too much heavy for a single insurance company, but they can be insured by n companies which a premium is assigned to.This is precisely the Italian scenario where a pool of companies co-insures these risks.Under a game theoretic approach we start by analyzing how they should split the risk and the premium in order to be better off. Under suitable hypotheses, there exists an optimal decomposition of the risk, that allow us to define a cooperati...
Full Text Available Before the emergence of the crisis, banks’ incomes were preponderantly oriented towards the lending activity, which activity is unsustainable in these circumstances. With the financial crisis, banks have diversified revenues and identified the benefits of sustainable partnerships with insurance institutions (the bancassurance, achieving convergence towards common platforms. The driving factor of the bancassurance system must also be sought in the common need of banks and insurance companies to optimize the structure and efficiency of the distribution channels. Thus, if credit institutions seek to obtain additional revenue by capitalizing the potential of regional networks, initially configured based on own marketing policies, insurance companies are interested in diversifying without significant capital investment, the traditional distribution methods, so that the products and services offered have access to a large number of potential customers
Full Text Available The focus of this article is to present the modelling tehcniques used on international practice in the evaluation of right life premiums based. The knowledge and models obtained have a common element of mortality risk indicators but these are varied in different parts of the world. The common elements of these studies and models are generally based on a series of indicators which mainly point out their probability of survival and they are named the mortality indicators. These indicators represent the basis for the calculation of the premiums quotes and for the elaboration by the insurers of premium tables. The benefit for the policyholder is to obtain insurance at a fair and competitive price and for the insurer, to maintain the experience of its portfolio in line with mortality assumptions.
Feltham, Hannah; Park, Kirsty; Minderman, Jeroen; Goulson, Dave
Wild bees provide a free and potentially diverse ecosystem service to farmers growing pollination-dependent crops. While many crops benefit from insect pollination, soft fruit crops, including strawberries are highly dependent on this ecosystem service to produce viable fruit. However, as a result of intensive farming practices and declining pollinator populations, farmers are increasingly turning to commercially reared bees to ensure that crops are adequately pollinated throughout the season. Wildflower strips are a commonly used measure aimed at the conservation of wild pollinators. It has been suggested that commercial crops may also benefit from the presence of noncrop flowers; however, the efficacy and economic benefits of sowing flower strips for crops remain relatively unstudied. In a study system that utilizes both wild and commercial pollinators, we test whether wildflower strips increase the number of visits to adjacent commercial strawberry crops by pollinating insects. We quantified this by experimentally sowing wildflower strips approximately 20 meters away from the crop and recording the number of pollinator visits to crops with, and without, flower strips. Between June and August 2013, we walked 292 crop transects at six farms in Scotland, recording a total of 2826 pollinators. On average, the frequency of pollinator visits was 25% higher for crops with adjacent flower strips compared to those without, with a combination of wild and commercial bumblebees (Bombus spp.) accounting for 67% of all pollinators observed. This effect was independent of other confounding effects, such as the number of flowers on the crop, date, and temperature. Synthesis and applications. This study provides evidence that soft fruit farmers can increase the number of pollinators that visit their crops by sowing inexpensive flower seed mixes nearby. By investing in this management option, farmers have the potential to increase and sustain pollinator populations over time.
Shewry, Peter R; Jones, Huw D; Halford, Nigel G
Transgenesis is an important adjunct to classical plant breeding, in that it allows the targeted manipulation of specific characters using genes from a range of sources. The current status of crop transformation is reviewed, including methods of gene transfer, the selection of transformed plants and control of transgene expression. The application of genetic modification technology to specific traits is then discussed, including input traits relating to crop production (herbicide tolerance and resistance to insects, pathogens and abiotic stresses) and output traits relating to the composition and quality of the harvested organs. The latter include improving the nutritional quality for consumers as well as the improvement of functional properties for food processing.
Full Text Available Insurance is a contract made by a company or society, or by the state, to provide a guarantee for loss, damage, illness, death etc in return for regular payments. In other words it is a means by which one pays a relatively small known cost for protection against an uncertain and much larger cost. Still, this contract (insurance policy makes it possible for the insured to cover only losses that are measurable in terms of money and caused strictly by hazardous events, independent from own doing. If no such events should happen, the benefits won’t exist in a tangible, material form, but will take the shape of security against ruin. Since the insurance industry has developed more during the last decade due to the powerful players that have entered the market, the services provided by the insurance companies, and not only their products have evolved a lot in order to meet the requirements of the consumers, and to make them familiar with this type of investments. Therefore all the means of advertising became essential in this process of implementation and familiarization with this area of activity: mass-media advertising, insurance brokerage companies, the internet are all parts of this process.
Chauhan, Rupal; Jasrai, Yogesh; Pandya, Himanshu; Chaudhari, Suman; Samota, Chand Mal
Fruit Crops Diseases Database (FCDD) requires a number of biotechnology and bioinformatics tools. The FCDD is a unique bioinformatics resource that compiles information about 162 details on fruit crops diseases, diseases type, its causal organism, images, symptoms and their control. The FCDD contains 171 phytochemicals from 25 fruits, their 2D images and their 20 possible sequences. This information has been manually extracted and manually verified from numerous sources, including other electronic databases, textbooks and scientific journals. FCDD is fully searchable and supports extensive text search. The main focus of the FCDD is on providing possible information of fruit crops diseases, which will help in discovery of potential drugs from one of the common bioresource-fruits. The database was developed using MySQL. The database interface is developed in PHP, HTML and JAVA. FCDD is freely available. http://www.fruitcropsdd.com/
Manne, A.S.; Richels, R.G.
A growing concern that the increasing accumulation of greenhouse gases will lead to undesirable changes in global climate has resulted in proposals, both in the United States and internationally, to set physical targets for reducing greenhouse gas emissions. But what will these proposals cost? This book outlines a way to think about greenhouse-effect decisions under uncertainty. It describes an insightful model for determining the economic costs of limiting CO 2 emissions produced by burning fossil fuels and provides a solid analytical base for rethinking public policy on the far-reaching issue of global warming. It presents region-by-region estimates of the costs that would underlie an international agreement. Using a computer model known as Global 2100, they analyze the economic impacts of limiting CO 2 emissions under alternative supply and conservation scenarios. The results clearly indicate that a reduction in emissions is not the sole policy response to potential climate change. Following a summary of the greenhouse effect, its likely causes, and possible consequences, this book takes up issues that concern the public at large. They provide an overview of Global 2100, look at how the U.S. energy sector is likely to evolve under business-as-usual conditions and under carbon constraints, and describe the concept of greenhouse insurance. They consider possible global agreements, including an estimate of benefits that might result from trading in an international market in emission rights. They conclude with a technical description directed toward modeling specialists
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Full Text Available The Principles of European Insurance Contract Law, also referred tousing the acronym PEICL, were published in September 2009. They are the result of ten years of academic work undertaken by the"Restatement of European Insurance Contract Law" Project Group. In the time since its establishment in 1999, the project has been transformed from being a stand-alone project to a part of the CoPECL (Common Principles of European Insurance Contract Law network, drafting a specific part of the Common Frame of Reference. Having continually worked under the guiding principle that "the law of insurance [in Europe] must be one," it now represents a serious option for providing Europe with a single legal framework for insurance contracts.Despite the European Council's proclamations that the Common Frame of Reference will remain a non-binding instrument, the implementation of one or more optional instruments in the future does not appear to beimprobable considering recent developments. The possibility of anoptional instrument has been expressed more than once by the European Commission in its Action Plan and Communication on European Contract Law. Other indications in favour of an optional instrument include the European Parliament's repeated references to the Common Frame of Reference as providing, at the very least, a model for a futureoptional instrument, as well as the EESC's earlier proposal of anoptional instrument as an alternative to standardising insurancecontract law. The preparation by the EESC of another (own-initiative opinion on European contract law is underway, and its presentation is anticipated in 2010. Hence, the optional instrument is evidently the subject of serious political deliberation. Using Article 1:102, the Principles of European Insurance Contract Law represent a prototype for such an instrument.
Full Text Available The Principles of European Insurance Contract Law, also referred tousing the acronym PEICL, were published in September 2009. They are the result of ten years of academic work undertaken by the"Restatement of European Insurance Contract Law" Project Group. In the time since its establishment in 1999, the project has been transformed from being a stand-alone project to a part of the CoPECL (Common Principles of European Insurance Contract Law network, drafting a specific part of the Common Frame of Reference. Having continually worked under the guiding principle that "the law of insurance [in Europe] must be one," it now represents a serious option for providing Europe with a single legal framework for insurance contracts. Despite the European Council's proclamations that the Common Frame of Reference will remain a non-binding instrument, the implementation of one or more optional instruments in the future does not appear to beimprobable considering recent developments. The possibility of anoptional instrument has been expressed more than once by the European Commission in its Action Plan and Communication on European Contract Law. Other indications in favour of an optional instrument include the European Parliament's repeated references to the Common Frame of Reference as providing, at the very least, a model for a futureoptional instrument, as well as the EESC's earlier proposal of anoptional instrument as an alternative to standardising insurancecontract law. The preparation by the EESC of another (own-initiative opinion on European contract law is underway, and its presentation is anticipated in 2010. Hence, the optional instrument is evidently the subject of serious political deliberation. Using Article 1:102, the Principles of European Insurance Contract Law represent a prototype for such an instrument.
Wittwer, Raphaël A.; Dorn, Brigitte; Jossi, Werner; van der Heijden, Marcel G. A.
A major challenge for agriculture is to enhance productivity with minimum impact on the environment. Several studies indicate that cover crops could replace anthropogenic inputs and enhance crop productivity. However, so far, it is unclear if cover crop effects vary between different cropping systems, and direct comparisons among major arable production systems are rare. Here we compared the short-term effects of various cover crops on crop yield, nitrogen uptake, and weed infestation in four arable production systems (conventional cropping with intensive tillage and no-tillage; organic cropping with intensive tillage and reduced tillage). We hypothesized that cover cropping effects increase with decreasing management intensity. Our study demonstrated that cover crop effects on crop yield were highest in the organic system with reduced tillage (+24%), intermediate in the organic system with tillage (+13%) and in the conventional system with no tillage (+8%) and lowest in the conventional system with tillage (+2%). Our results indicate that cover crops are essential to maintaining a certain yield level when soil tillage intensity is reduced (e.g. under conservation agriculture), or when production is converted to organic agriculture. Thus, the inclusion of cover crops provides additional opportunities to increase the yield of lower intensity production systems and contribute to ecological intensification.
...) Windstorm Coverage. (ii) Earthquake Coverage. (iii) Sinkhole Insurance or Mine Subsidence Insurance. (3) For... the coverage amount. (v) Sinkhole Insurance or Mine Subsidence Insurance. The deductible for sinkhole.... (10) Deductible amounts (excluding flood, windstorm, earthquake and sinkhole insurance or mine...
Dafny, Leemore S
Research shows consolidation in the private health insurance industry leads to premium increases, even though insurers with larger local market shares generally obtain lower prices from health care providers. Additional research is needed to understand how to protect against harms and unlock benefits from scale. Data on enrollment, premiums, and costs of commercial health insurance--by insurer, plan, customer segment, and local market--would help us understand whether, when, and for whom consolidation is harmful or beneficial. Such transparency is common where there is a strong public interest and substantial public regulation, both of which characterize this vital sector.
Stunting caused by Rhizoctonia spp. is economically important in irrigated onion bulb crops in the semi-arid Columbia Basin of Oregon and Washington, where cereal winter cover crops commonly are planted the previous fall to prevent wind erosion of soil. The cover crop is killed with herbicide applic...
Rykova Valentina V.
he article describes information resources to support research on the issue of environmental insurance. It represents a brief analysis of a documentary flow, traces its dynamics and typical-thematic structures, shows the most productive journals
Kansas Data Access and Support Center — This digital data set provides an inventory of Federal Emergency Management Agency (FEMA) Flood Insurance Studies (FIS) that have been conducted for communities and...
Che Mohd Imran Che Taib
Full Text Available The aim of this paper is to study pricing of weather insurance contracts based on temperature indices. Three different pricing methods are analysed: the classical burn approach, index modelling and temperature modelling. We take the data from Malaysia as our empirical case. Our results show that there is a significant difference between the burn and index pricing approaches on one hand, and the temperature modelling method on the other. The latter approach is pricing the insurance contract using a seasonal autoregressive time series model for daily temperature variations, and thus provides a precise probabilistic model for the fine structure of temperature evolution. We complement our pricing analysis by an investigation of the profit/loss distribution from the contract, in the perspective of both the insured and the insurer.
Department of Housing and Urban Development — The FHA insured Multifamily Housing portfolio consist primarily of rental housing properties with five or more dwelling units such as apartments or town houses, but...
Gomez del Campo, Julian.
The purpose of this paper is to study the problems raised in Spain by third party liability insurance for nuclear damage. National law in this field is based on the Paris Convention on nuclear third party liability and defines the conditions of liability of operators of nuclear installations. The insurance contract requirements must comply with the regulations on cover for nuclear risks, under the control of the Finance Ministry's competent services. Certain exceptional nuclear risks which cannot be covered entirely by ordinary insurance policies, are taken over by the Consorcio de Compensacion de Seguros which belongs to this Ministry. From the insurance viewpoint, the regulations make a distinction between nuclear and radioactive installations and nuclear transport. (NEA) [fr
Röthlisberger, Veronika; Bernet, Daniel; Keiler, Margreth
The databases of Swiss flood insurance companies build a valuable but to date rarely used source of information for flood risk research. Detailed insights into the Swiss flood insurance system are crucial to evaluate the potential of the different databases for scientific analysis. Even though the flood insurance system modalities are mainly regulated on cantonal level there are some common principles that apply throughout Switzerland. First of all coverage against floods (and other particular natural hazards) is an integral part of every fire insurance policy for buildings or contents in Switzerland. This coupling of insurance as well as the statutory obligation to insure buildings in most of the cantons and movables in some of the cantons lead to a very high penetration. Second, in case of damage, the reinstatement costs (value as new) are compensated and third there are no (or little) deductible and co-pay. Thus the different datasets of the flood insurance companies would allow a very comprehensive data analysis. Moreover, insurance companies not only store electronically data about losses (typically date, amount of claims payment, cause of damage, identity of the insured object or policyholder) but also about insured objects. For insured objects the (insured) value and the details on the policy and its holder are the main feature to record. On buildings the insurance companies usually computerize additional information such as location, volume, year of construction or purpose of use. For the 19 (of total 26) cantons with a cantonal monopoly insurer the data of these insurance establishments have the additional value to represent (almost) the entire building stock of the respective canton. However, scientists face a wide range of the opportunities and challenges when using insurance data for flood research. The origin of flood insurance data implies that they are not generated for research but for business management. The presentation will highlighted pro and
Among the key barriers to investment in energy efficiency improvements are uncertainties about attaining projected energy savings and apprehension about potential disputes over these savings. The fields of energy management and risk management are thus intertwined. While many technical methods have emerged to manage performance risks (e.g. building commissioning), financial risk transfer techniques are less developed in the energy management arena than in other more mature segments of the economy. Energy Savings Insurance (ESI) - formal insurance of predicted energy savings - is one method of transferring financial risks away from the facility owner or energy services contractor. ESI offers a number of significant advantages over other forms of financial risk transfer, e.g. savings guarantees or performance bonds. ESI providers manage risk via pre-construction design review as well as post-construction commissioning and measurement and verification of savings. We found that the two mos t common criticisms of ESI - excessive pricing and onerous exclusions - are not born out in practice. In fact, if properly applied, ESI can potentially reduce the net cost of energy savings projects by reducing the interest rates charged by lenders, and by increasing the level of savings through quality control. Debt service can also be ensured by matching loan payments to projected energy savings while designing the insurance mechanism so that payments are made by the insurer in the event of a savings shortfall. We estimate the U.S. ESI market potential of $875 million/year in premium income. From an energy-policy perspective, ESI offers a number of potential benefits: ESI transfers performance risk from the balance sheet of the entity implementing the energy savings project, thereby freeing up capital otherwise needed to ''self-insure'' the savings. ESI reduces barriers to market entry of smaller energy services firms who do not have sufficiently strong balance
Among the key barriers to investment in energy efficiency improvements are uncertainties about attaining projected energy savings and apprehension about potential disputes over these savings. The fields of energy management and risk management are thus intertwined. While many technical methods have emerged to manage performance risks (e.g. building commissioning), financial risk transfer techniques are less developed in the energy management arena than in other more mature segments of the economy. Energy Savings Insurance (ESI) - formal insurance of predicted energy savings - is one method of transferring financial risks away from the facility owner or energy services contractor. ESI offers a number of significant advantages over other forms of financial risk transfer, e.g. savings guarantees or performance bonds. ESI providers manage risk via pre-construction design review as well as post-construction commissioning and measurement and verification of savings. We found that the two mos t common criticisms of ESI - excessive pricing and onerous exclusions - are not born out in practice. In fact, if properly applied, ESI can potentially reduce the net cost of energy savings projects by reducing the interest rates charged by lenders, and by increasing the level of savings through quality control. Debt service can also be ensured by matching loan payments to projected energy savings while designing the insurance mechanism so that payments are made by the insurer in the event of a savings shortfall. We estimate the U.S. ESI market potential of$875 million/year in premium income. From an energy-policy perspective, ESI offers a number of potential benefits: ESI transfers performance risk from the balance sheet of the entity implementing the energy savings project, thereby freeing up capital otherwise needed to ''self-insure'' the savings. ESI reduces barriers to market entry of smaller energy services firms who do not have sufficiently strong balance sheets to self-insure
.... The final regulations clarify that these benefits constitute health insurance when they are offered by... insurance. Limited Scope Dental and Vision Benefits The proposed regulations defined health insurance to... revising the definition of health insurance to exclude limited scope dental and vision benefits (sometimes...
From the commencement of building to the time of decommissioning of nuclear power plants, the insurances provide continuous coverage, i.e. for construction, nuclear liability, nuclear energy hazards insurance, fire insurance, machinery insurance. The respective financial security is quantified. (DG) [de
Full Text Available Insurance companies carry out risk spreading through the co-insurance and reinsurance mechanism, consisting of the participation of more companies in the provision of high-value assets. Reinsurance is a form of insurance whereby an insurance organization can transfer to another reinsurer, partly or fully, its payment obligations arising from the insurance contracts that it has concluded. In the reinsurance ratios, the insurance companies appear in a double position - giving other insurance companies some of the risks assumed under direct insurance, being reinsured, but receiving different risks to reinsurance, acquiring the quality of reinsurers. Reinsurance intends to satisfy some multiple needs of the direct insurer and can provide means to counteract the risks associated with the fluctuations in compensation costs, the reinsurer will contribute to the payment of compensations on behalf of the reinsurer. Life insurance has characteristics that influence reinsurance: the average life of the insurance, the insurance is concluded for a fixed amount insured, the capital accumulation. In life reinsurance, almost all reinsurance arrangements are proportional agreements, and the largest share have the "surplus" agreements. Reinsurance plays an important role because it fulfills the following functions: it confers capacity, creates stability, helps to consolidate financial strength. The adjustment of the client portfolio in terms of the changes of reinsurance agreement, required by the reinsurer, can only be done by concluding the insurance contracts. In life insurance, reinsurance contracts contain provisions that meet the need of the insurer to have long-term protection.
... NHTSA's regulation requiring motor vehicle insurers to submit information on the number of thefts and recoveries of insured vehicles and actions taken by the insurer to deter or reduce motor vehicle theft. NHTSA..., which requires insurers to submit information about the make, model, and year of all vehicle thefts, the...
... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance endorsement. 266.612... Rights and Obligations Insurance Endorsement § 266.612 Insurance endorsement. (a) Initial endorsement. The Commissioner shall indicate his or her insurance of the mortgage by endorsing the original credit...
... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance benefits. 207.259 Section... Contract of Insurance § 207.259 Insurance benefits. (a) Method of payment. Upon either an assignment of the... of mortgage. If the mortgage is assigned to the Commissioner, the insurance benefits shall be paid in...
... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance premiums. 241.805 Section... Without a HUD-Insured or HUD-Held Mortgage Premiums § 241.805 Insurance premiums. (a) First premium. The... insurance premium equal to one percent of the original face amount of the note. (b) Second premium. The...
... 34 Education 3 2010-07-01 2010-07-01 false Insurance premium. 682.505 Section 682.505 Education... § 682.505 Insurance premium. (a) General. The Secretary charges the lender an insurance premium for each Federal GSL Program loan that is guaranteed, except that no insurance premium is charged on a Federal...
... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance premiums. 220.804 Section... and Obligations-Projects Insured Project Improvement Loans § 220.804 Insurance premiums. (a) First premium. The lender, upon the initial endorsement of the loan for insurance, shall pay to the Commissioner...
Edward W. Frees
Full Text Available In insurance and related industries including healthcare, it is common to have several outcome measures that the analyst wishes to understand using explanatory variables. For example, in automobile insurance, an accident may result in payments for damage to one’s own vehicle, damage to another party’s vehicle, or personal injury. It is also common to be interested in the frequency of accidents in addition to the severity of the claim amounts. This paper synthesizes and extends the literature on multivariate frequency-severity regression modeling with a focus on insurance industry applications. Regression models for understanding the distribution of each outcome continue to be developed yet there now exists a solid body of literature for the marginal outcomes. This paper contributes to this body of literature by focusing on the use of a copula for modeling the dependence among these outcomes; a major advantage of this tool is that it preserves the body of work established for marginal models. We illustrate this approach using data from the Wisconsin Local Government Property Insurance Fund. This fund offers insurance protection for (i property; (ii motor vehicle; and (iii contractors’ equipment claims. In addition to several claim types and frequency-severity components, outcomes can be further categorized by time and space, requiring complex dependency modeling. We find significant dependencies for these data; specifically, we find that dependencies among lines are stronger than the dependencies between the frequency and average severity within each line.
Sustainable agriculture practices are increasingly being used by farmers to maintain soil quality, increase biodiversity, and promote production of food that is environmentally safe. There are several types of sustainable agriculture practices such as organic farming, crop rotation, and aquaculture. This lesson plan focuses on the sustainable…
Wit, de C.T.
Theoretical and practical aspects of the transpiration of crops in the field are discussed and he concludes that the relationship between transpiration and total dry matter production is much less affected by growing conditions than has been supposed. In semi-arid and arid regions, this relationship
Margaritopoulou, Theoni; Roka, Loukia; Alexopoulou, Efi; Christou, Myrsini; Rigas, Stamatis; Haralampidis, Kosmas; Milioni, Dimitra
New crops are gradually establishing along with cultivation systems to reduce reliance on depleting fossil fuel reserves and sustain better adaptation to climate change. These biological assets could be efficiently exploited as bioenergy feedstocks. Bioenergy crops are versatile renewable sources with the potential to alternatively contribute on a daily basis towards the coverage of modern society's energy demands. Biotechnology may facilitate the breeding of elite energy crop genotypes, better suited for bio-processing and subsequent use that will improve efficiency, further reduce costs, and enhance the environmental benefits of biofuels. Innovative molecular techniques may improve a broad range of important features including biomass yield, product quality and resistance to biotic factors like pests or microbial diseases or environmental cues such as drought, salinity, freezing injury or heat shock. The current review intends to assess the capacity of biotechnological applications to develop a beneficial bioenergy pipeline extending from feedstock development to sustainable biofuel production and provide examples of the current state of the art on future energy crops.
Kissoudis, Christos; Wiel, van de Clemens; Visser, R.G.F.; Linden, van der Gerard
Breeding for stress-resilient crops strongly depends on technological and biological advancements that have provided a wealth of information on genetic variants and their contribution to stress tolerance. In the context of the upcoming challenges for agriculture due to climate change, such as
Hayman, D S
This article describes recent research with vesicular-arbuscular mycorrhiza, a symbiotic fungus-root association. The suggestion that the symbiotic association may be harnessed to achieve more economical use of phosphate fertilizers is discussed and the results from various test crops are given.
In referring to issues confronting the energy field in this region and options to be exercised in the future, I would like to mention the fundamental condition of the utmost importance. That can be summed up as follows: any subject in energy area can never be solved by one country alone, given the geographical and geopolitical characteristics intrinsically possessed by energy. So, a regional approach is needed and it is especially necessary for the main players in the region to jointly address problems common to them. Though it may be a matter to be pursued in the distant future, I am personally dreaming a 'Common Energy Market for Northeast Asia,' in which member countries' interests are adjusted so that the market can be integrated and the region can become a most economically efficient market, thus formulating an effective power to encounter the outside. It should be noted that Europe needed forty years to integrate its market as the unified common market. It is necessary for us to follow a number of steps over the period to eventually materialize our common market concept, too. Now is the time for us to take a first step to lay the foundation for our descendants to enjoy prosperity from such a common market.
Roemer, M I
Implementation of social insurance for financing health services has yielded different patterns depending on a country's economic level and its government's political ideology. By the late 19th century, thousands of small sickness funds operated in Europe, and in 1883 Germany's Chancellor Bismarck led the enactment of a law mandating enrollment by low-income workers. Other countries followed, with France completing Western European coverage in 1928. The Russian Revolution in 1917 led to a National Health Service covering everyone from general revenues by 1937. New Zealand legislated universal population coverage in 1939. After World War II, Scandinavian countries extended coverage to everyone and Britain introduced its National Health Service covering everyone with comprehensive care and financed by general revenues in 1948. Outside of Europe Japan adopted health insurance in 1922, covering everyone in 1946. Chile was the first developing country to enact statutory health insurance in 1924 for industrial workers, with extension to all low-income people with its "Servicio Nacional de Salud" in 1952. India covered 3.5 percent of its large population with the Employees' State Insurance Corporation in 1948, and China after its 1949 revolution developed four types of health insurance for designated groups of workers and dependents. Sub-Saharan African countries took limited health insurance actions in the late 1960s and 1970s. By 1980, some 85 countries had enacted social security programs to finance or deliver health services or both.
By the declared will of the legislative bodies to give effect to the polluter pays principle on all levels those have to pay the costs of removing impairments of environmental media that are responsible for its occurence. Thus environmental pollution becomes a considerable financial risk for the polluter. Against this risk they try to protect themselves by the corresponding precautionary measures, e.g. by insurance. The insurance industry is consequently requested to meet this new demand. The legal bases are followed by the description of the insurance relationship under the aspect of the theory of risks, which follows, based on the basic model of decision theory, the objective of a quantitative representation of the situation of the decision. In the last chapter the author deals with the financial security for the risks of a third party liability insurance of environmental pollution as it is offered today in the Federal Republic of Germany. The elaboration of the existing financial security is then compared with the legal conditions of liability. In doing this the author describes cases not covered by financial security and its definition by comparison with findings of risk theory. As a result it becomes obvious that numerous exclusions of risks could quite good be included in the financial security and that the argument of the impossibility to insure often put forward by the insurers to justify the exclusion of risks can neither theoretically nor practically be uphold. (orig./HSCH) [de
Private insurance companies developed means to provide first-tier nuclear coverage to operators of power plants and other nuclear facilities; US Government initially provided second tier. US insurance companies chose 'pooling' technique as means to provide large amounts of insurance capacity by spreading the risk over a number of insurance companies. Classic example of nuclear risk that presents low frequency, high severity loss potential. Insurers usually spread their risk over a large, fairly stable premium base, as with automobile insurance. The American Nuclear Insurers (ANI) and its roles are introduced in this article
Although transport of nuclear substances represents only a very small part of the global transport of dangerous goods, it takes place every day all over the world and it is part of our daily life. Transport of nuclear material takes also place at every stage of the nuclear fuel cycle; radioactive materials are carried out all over the world by all major modes of transport: sea, air, road and rail. Despite the large number of nuclear transports, they are not considered as posing a serious risk. A major nuclear incident is almost always associated with the operating of fixed installations such as nuclear power plants; just think about Three Mile Island and Chernobyl. This perception is strengthened by the absence so far of serious accidents in the nuclear transport sector and this finding is in fact proof of the very safe conditions of nuclear transport. But accidents can never be excluded entirely and in some cases damages could be as large as those caused by fixed installations. This means that protection of the interests of possible victims should also be covered in a correct way. That is why the special nuclear liability regime has also been developed to cover damage caused by a nuclear transport accident. As stated by Patrick Reyners, the prime motivation for originally adopting a special nuclear regime was the harmonisation of national legislation and that nowhere more than in the field of international transport operations is such harmonisation felt desirable . The international legal regime has been developed along two tracks, one based on the mode of transport and the other based on the notion of dangerous goods. The linkage between those two tracks is of permanent concern and the mode of transport is the key element to determine which international instrument should be applicable. The purpose of this paper is to briefly introduce the financial security provided by the insurance industry to cover the international nuclear liability regime for nuclear
... 41 Public Contracts and Property Management 1 2010-07-01 2010-07-01 true Health insurance, life insurance and other benefit plans. 60-741.25 Section 60-741.25 Public Contracts and Property Management... Health insurance, life insurance and other benefit plans. (a) An insurer, hospital, or medical service...
... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage insurance premium... MULTIFAMILY PROJECT LOANS Contract Rights and Obligations Mortgage Insurance Premiums § 266.600 Mortgage insurance premium: Insurance upon completion. (a) Initial premium. For projects insured upon completion, on...
Adam, M.Y.O.; Corbeels, M.; Leffelaar, P.A.; Keulen, van H.; Wery, J.; Ewert, F.
Modular frameworks for crop modelling have evolved through simultaneous progress in crop science and software development but differences among these frameworks exist which are not well understood, resulting in potential misuse for crop modelling. In this paper we review differences and similarities
Yang, Zhenping; Yang, Wenping; Li, Shengcai; Hao, Jiaomin; Su, Zhifeng; Sun, Min; Gao, Zhiqiang; Zhang, Chunlai
As the major crops in north China, spring crops are usually planted from April through May every spring and harvested in fall. Wheat is also a very common crop traditionally planted in fall or spring and harvested in summer year by year. This continuous cropping system exhibited the disadvantages of reducing the fertility of soil through decreasing microbial diversity. Thus, management of microbial diversity in the rhizosphere plays a vital role in sustainable crop production. In this study, ...
NAJAM-UL-SEHAR AFSHAN*; ABDUL REHMAN NIAZI
The article enlists common poaceous weeds found in wheat crop sand their specific parasitic rust fungi. In this study, four (04) plant taxa of Poaceae infected with rust fungi are collected from different wheat crops grown in different areas of Pakistan. The rust fungi are isolated, characterized and identified. All these host plants are known weeds of wheat crop in Pakistan. This work would help to identify and enlist the potential rust fungi on weeds of wheat crop that could be utilized to ...
The industrial revolution led to the birth of different types of insurance systems. Insurance business emerged and developed in Eritrea during the Italian period. The insurance industry in Eritrea has been huge profits from its inception in 1992. In spite of the consistent profits by the insurance, the Government privatised it recently due the policy and revenue requirements. An attempt is made in this paper to discuss the background of the insurance and it evolution and development. This pap...
Abdullah Ibrahim Nazal
This study is one of very few studies which have investigated Islamic Insurance Companies as solution. It explained its operations also comparing with Traditional Insurance Companies and theoretical Islamic insurance models. As result to this study Islamic Insurance companies are profit organization. It helps Islamic banks but it costs customer to face expect risk. Islamic Insurance companies have many ways to get profits and consider all customers installments grants. Its operation gap comes...
How are independent schools to be useful to the wider world? Beyond their common commitment to educate their students for meaningful lives in service of the greater good, can they educate a broader constituency and, thus, share their resources and skills more broadly? Their answers to this question will be shaped by their independence. Any…
Porter, John R.; Semenov, Mikhail A.
The yield and quality of food crops is central to the well being of humans and is directly affected by climate and weather. Initial studies of climate change on crops focussed on effects of increased carbon dioxide (CO2) level and/or global mean temperature and/or rainfall and nutrition on crop...... production. However, crops can respond nonlinearly to changes in their growing conditions, exhibit threshold responses and are subject to combinations of stress factors that affect their growth, development and yield. Thus, climate variability and changes in the frequency of extreme events are important...... for yield, its stability and quality. In this context, threshold temperatures for crop processes are found not to differ greatly for different crops and are important to define for the major food crops, to assist climate modellers predict the occurrence of crop critical temperatures and their temporal...
Irby, Jon Trenton
Agricultural production has observed many changes in technology over the last 20 years. Producers are able to utilize technologies such as site-specific applicators and remotely sensed data to assist with decision making for best management practices which can improve crop production and provide protection to the environment. It is known that plant stress can interfere with photosynthetic reactions within the plant and/or the physical structure of the plant. Common types of stress associated with agricultural crops include herbicide induced stress, nutrient stress, and drought stress from lack of water. Herbicide induced crop stress is not a new problem. However, with increased acreage being planting in varieties/hybrids that contain herbicide resistant traits, herbicide injury to non-target crops will continue to be problematic for producers. With rapid adoption of herbicide-tolerant cropping systems, it is likely that herbicide induced stress will continue to be a major concern. To date, commercially available herbicide-tolerant varieties/hybrids contain traits which allow herbicides like glyphosate and glufosinate-ammonium to be applied as a broadcast application during the growing season. Both glyphosate and glufosinate-ammonium are broad spectrum herbicides which have activity on a large number of plant species, including major crops like non-transgenic soybean, corn, and cotton. Therefore, it is possible for crop stress from herbicide applications to occur in neighboring fields that contain susceptible crop varieties/hybrids. Nutrient and moisture stress as well as stress caused by herbicide applications can interact to influence yields in agricultural fields. If remotely sensed data can be used to accurately identify specific levels of crop stress, it is possible that producers can use this information to better assist them in crop management to maximize yields and protect their investments. This research was conducted to evaluate classification of specific
Guo, Qinghua; Wu, Fangfang; Pang, Shuxin; Zhao, Xiaoqian; Chen, Linhai; Liu, Jin; Xue, Baolin; Xu, Guangcai; Li, Le; Jing, Haichun; Chu, Chengcai
With the growing population and the reducing arable land, breeding has been considered as an effective way to solve the food crisis. As an important part in breeding, high-throughput phenotyping can accelerate the breeding process effectively. Light detection and ranging (LiDAR) is an active remote sensing technology that is capable of acquiring three-dimensional (3D) data accurately, and has a great potential in crop phenotyping. Given that crop phenotyping based on LiDAR technology is not common in China, we developed a high-throughput crop phenotyping platform, named Crop 3D, which integrated LiDAR sensor, high-resolution camera, thermal camera and hyperspectral imager. Compared with traditional crop phenotyping techniques, Crop 3D can acquire multi-source phenotypic data in the whole crop growing period and extract plant height, plant width, leaf length, leaf width, leaf area, leaf inclination angle and other parameters for plant biology and genomics analysis. In this paper, we described the designs, functions and testing results of the Crop 3D platform, and briefly discussed the potential applications and future development of the platform in phenotyping. We concluded that platforms integrating LiDAR and traditional remote sensing techniques might be the future trend of crop high-throughput phenotyping.
In this paper there are showed and debated some situation in which psychological effects like loss aversion, reference point, status-quo and framming effects can influence the deccision of the consumer and are not consistent with the standard economic model.In addition to this aspects, Cumulative Prspect Theory enhance the fact that decision makers overestimate low peobabilities and underestimate high probabilities,thus buying inadequate insurance in many situation.in thiss sense, in order to support this idea I tried to make a qualitative presentation of the model used on the insurance market using Prelec function which is the function related with the Cumulative Prospect Theory which can be used in the insurance context.The weak points of the theory of expected utility are explained through this new perspectives and nevertheless aspects like insensivity to bad news concerning incomes,elasticity of price,displacements of status-quo and default,disposition effect and equity premium are taken into consideration.As example,I chose a Kunreuther experiment about insurance decision in with is underlyined the fact that for moderate risk people buy insurance with premiums that exceed the expected loss.There are demands for low deductibles in the the markets for extended guarantees and insurances for mobile phones where was observed that the insurance underwriting rate increases with the probability of loss keeping the expected loss constant.It is better to mention that the theory and the model that are presented here comes as complementary to the economic standard theory not as a substitute.
Heske, Linda; Berendt, Mette; Jäderlund, Karin Hultin
Canine epilepsy is one of the most common neurological conditions in dogs but the actual incidence of the disease remains unknown. A Swedish animal insurance database has previously been shown useful for the study of disease occurrence in companion animals. The dogs insured by this company...... represent a unique population for epidemiological studies, because they are representative of the general dog population in Sweden and are followed throughout their life allowing studies of disease incidence to be performed. The database covers 50% of all insured dogs (in the year 2012) which represents 40......% of the national dog population. Most commonly, dogs are covered by both veterinary care insurance and life insurance. Previous studies have shown that the general data quality is good, but the validity of a specific diagnosis should be examined carefully before using the database for incidence calculations...
Full Text Available Loss ratio is one of the most important indicator that has many strategic decisions applications, such as pricing, underwriting, investment, reinsurance and reserving decisions. It serves as an early warning of financial solvency of insurance companies and it can be judged on the strength of the financial position of these companies. The aim of this study is to identify the reliable time series-forecasting model to forecast loss ratio estimates of fire segment in Misr insurance company. Box-Jenkins Analysis is applied on actual reported loss ratios data for Misr insurance company for the period 1980/1981– 2013/2014. The study concludes that the best forecasting model is ARMA(1,1.
..., the first mutual fire insurer was established. The first American mutual insurance company, the Philadelphia Contributionship for the Insurance of Houses from Loss by Fire, was founded in 1752.\\3\\ \\3\\ The...
... DEPARTMENT OF THE TREASURY Terrorism Risk Insurance Program; Recordkeeping Requirements for... Budget. The Terrorism Risk Insurance Program Office within the Department of the Treasury is soliciting... original and two copies) to: Terrorism Risk Insurance Program, Public Comment Record, Suite 2100...
...] National Flood Insurance Program (NFIP); Assistance to Private Sector Property Insurers, Availability of... Financial Assistance/Subsidy Arrangement (Arrangement), (90 as of June 1, 2010) private sector property... Financial Assistance/ Subsidy Arrangement (Arrangement) to notify private insurance companies (Companies...
...] National Flood Insurance Program (NFIP); Assistance to Private Sector Property Insurers, Availability of... Financial Assistance/Subsidy Arrangement (Arrangement), 87 (as of July 1, 2011) private sector property... Financial Assistance/ Subsidy Arrangement (Arrangement) to notify private insurance companies (Companies...
Roy, Stuart J.
Soil salinity is a major constraint to agriculture. To improve salinity tolerance of crops, various traits can be incorporated, including ion exclusion, osmotic tolerance and tissue tolerance. We review the roles of a range of genes involved in salt tolerance traits. Different tissues and cells are adapted for specific and often diverse function, so it is important to express the genes in specific cell-types and to pyramid a range of traits. Modern biotechnology (marker- assisted selection or genetic engineering) needs to be increasingly used to introduce the correct combination of genes into elite crop cultivars. Importantly, the effects of introduced genes need to be evaluated in the field to determine their effect on salinity tolerance and yield improvement.
The relationship between the State and the health insurance passes through an institutional and financial crisis, leading the government to decide a new governance of the health care system and of the health insurance. The onset of the institutional crisis is the consequence of the confusion of the roles played by the State and the social partners. The social democracy installed by the French plan in 1945 and the autonomy of management of the health insurance established by the 1967 ordinances have failed. The administration parity (union and MEDEF) flew into pieces. The State had to step in by failing. The light is put on the financial crisis by the evolution of ONDAM (National Objective of the Health Insurance Expenses) which appears in the yearly law financing Social Security. The drift of the real expenses as compared to the passed ONDAM bill is constant and worsening. The question of reform includes the link between social democracy to be restored (social partners) and political democracy (Parliament and Government) to establish a contractual democracy. The Government made the announcement of an ONDAM sincere and medically oriented, based on tools agreed upon by all parties. The region could become a regulating step involving a regional health council. An accounting magistrate would be needed to consider not only the legal aspect but to include economic fallouts of health insurance. The role and the missions of the Social Security Accounting Committee should be reinforced.
Buzney, Catherine D; Peterman, Caitlin; Saraiya, Ami; Au, Shiu-chung; Dumont, Nicole; Mansfield, Ryan; Gottlieb, Alice B
Psoriasis treatments and therapeutic response as they relate to private versus public patient insurance in the United States have not yet been reviewed. Improved understanding could clarify factors challenging optimal psoriasis management and offer insight for dermatologists treating psoriasis within our healthcare system. 258 subjects were included from a database of psoriasis patients seen at Tufts Medical Center (Boston, MA) during 2008-2014. Insurance was classified as primarily private or public (Medicare or MassHealth/Medicaid). Patients required a minimum of two consecutive visits per treatment and at least 8 weeks within one of four treatment categories: biologics, oral systemics/ phototherapy, combined biologics and oral systemics/phototherapy, or topicals only. Primary endpoint was the Simple-Measure for Assessing Psoriasis Activity (S-MAPA) calculated by multiplying Physician Global Assessment by Body Surface Area. S-MAPAMAPA improvement from baseline, and total drugs used per treatment course (“drug-switching”). 80.2% (n=207) and 19.8% (n=51) had primarily private and public insurance, respectively. 69.6% with private insurance were prescribed biologics versus 66.7% (public insurance) (P=0.689). 54% (private) versus 49% (public) achieved clearance (P=0.514). However, S-MAPA decreased 78.35% from baseline in those with private insurance compared to 61.48% (public) (P=0.036). On average, privately insured patients used at least twice as many same-category treatments, most commonly biologics, than publicly insured individuals (P=0.003). Drug-switching was significantly associated with clearance (P=0.024). Multivariate analysis demonstrated no significant differences in prescribed treatment categories, drug efficacy, clearance, S-MAPA, or drugswitching with respect to patient age. Treatment categories were comparably prescribed between insurance subgroups. However, privately insured patients achieved significantly greater degrees of clearance and
Lu-Ming Tseng; Wen-Pin Su
Insurance researchers believe that the increase in insurance fraud may be associated with the unethical decisions made by some insurance salespeople. However, to date, research that has empirically investigated the link between insurance salespeople and collusion is scant. Using the car insurance industry in Taiwan as an example, this paper explores the impact of the opportunity to obtain the fraudulent claim and that of the size of actual loss on car insurance salespeople's attitudes towards...
The present state of the research was reviewed and its results analyzed at an international scientific Symposium on the Effects of Ionizing Radiations on Seeds and their Significance for Crop Improvement held at Karlsruhe, Federal Republic of Germany, in 1960. The experts began a detailed examination of certain special aspects of the radiobiology of seeds. Some of the topics discussed related to the processes initiated in seeds as a result of irradiation. The influence of environmental factors, such as temperature, humidity and the presence or absence of oxygen, was also evaluated. Variations in the sensitivity to radiation were taken into consideration and ways of modifying the sensitivity were examined. Two sessions were devoted to a study of radiation- and chemically-induced chromosome breakage and reunion. The nature and mechanism of chromosome breakage and reunion area subject of basic importance in all radiobiological studies and naturally constituted one of the main topics of discussion at the Karlsruhe symposium. The symposium discussed the relevance of these basic scientific questions to crop improvement. Whether irradiation itself, without producing any hereditary changes, can stimulate crop yields is a matter of considerable interest. It has been found that in some cases the effect is stimulating, while in others it is inhibitive. A number of experiments were described and an attempt was made to deduce certain principles from the results obtained
Kumar, R; Jat, M K; Shankar, V
Efficient water management of crops requires accurate irrigation scheduling which, in turn, requires the accurate measurement of crop water requirement. Irrigation is applied to replenish depleted moisture for optimum plant growth. Reference evapotranspiration plays an important role for the determination of water requirements for crops and irrigation scheduling. Various models/approaches varying from empirical to physically base distributed are available for the estimation of reference evapotranspiration. Mathematical models are useful tools to estimate the evapotranspiration and water requirement of crops, which is essential information required to design or choose best water management practices. In this paper the most commonly used models/approaches, which are suitable for the estimation of daily water requirement for agricultural crops grown in different agro-climatic regions, are reviewed. Further, an effort has been made to compare the accuracy of various widely used methods under different climatic conditions.
-yellow Clayoil, in a randomized complete block arrangement, with four replications, in a split-plot design. The species were the plots and the evaluation times the split-plots. Higher Wt of soybean was observed in relation to the weeds. The soybean and common bean crops showed higher L than the weeds. E. heterophylla biotypes presented the largest A and gs values. Except for D. tortuosum, the weeds presented larger WUE at the initial stage of crops development. No differences were observed between E. heterophylla biotypes.
Priscila de Oliveira
Full Text Available The use of cover crops in no-tillage systems can provide better conditions for the development of soybean plants with positive effects on grain yield and growth analysis techniques allow researchers to characterize and understand the behavior of soybean plants under different straw covers. Thus, the aim of this study was to characterize, using growth analysis, yield components and agronomic performance of soybean under common bean, Brachiaria brizantha and pearl millet straws. The experiment was performed on a soil under cerrado in the municipality of Santo Antônio de Goiás, GO. The experiment was arranged in a randomized complete block design with three treatments (cover crops and five replications. Soybean grain yield was lower in the B. brizantha straw treatment (3,708 kg ha-1 than both in the pearl millet (4.772 kg ha-1 and common bean straw treatments (5,200 kg ha-1. The soybean growth analysis in B. brizantha, pearl millet and common bean allowed characterizing the variation in the production of dry matter of leaves, stems, pods and total and leaf area index that provided different grain yields. The cover crop directly affects the soybean grain yield.
Molinuevo-Salces, Beatriz; Larsen, Søren U.; Ahring, Birgitte Kiær
-substrate in manure-based biogas plants and the profit obtained from the sale of biogas barely compensates for the harvest costs. A new agricultural strategy to harvest catch crops together with the residual straw of the main crop was investigated to increase the biomass and thereby the methane yield per hectare......Catch crop cultivation combined with its use for biogas production would increase renewable energy production in the form of methane, without interfering with the production of food and fodder crops. The low biomass yield of catch crops is the main limiting factor for using these crops as co...... biomass. Leaving the straw on the field until harvest of the catch crop in the autumn could benefit biogas production due to the organic matter degradation of the straw taking place on the field during the autumn months. This new agricultural strategy may be a good alternative to achieve economically...
Stowe, J D
As Hawn (2) says, "insurance is about risk and peace of mind." She reports that the American Humane Society supports pet insurance because companion animals are able to be treated for disease or accidents that are life-threatening where, otherwise, they would have been euthanized. For veterinarians, she suggests that pet insurance allows them to practice veterinary medicine "as if it were free." It is inevitable that pet insurance will grow as a recourse for veterinary fees. This may be a savior to some families whose budget is stretched to the limit at a critical moment in the health care of their cherished pet. We in the veterinary profession have an advantage over other professions. We have seen the good, the bad, and the ugly of insurance, as it applies to human health and dental care. If we work hand-in-hand with our own industries, collectively we may be able to develop a system that wins for everyone, with fees that allow practice to thrive and growth strategies that accommodate new treatment and diagnostic modalities, as well as consistent and exemplary customer service. The path ahead is always fraught with bumps and potholes. We can be a passive passenger and become a victim of the times or an active driver to steer the profession to a clearer route. Pet insurance is but one of the solutions for the profession; the others are a careful assessment of our fees--charging what we are worth, not what we think the client will pay; business management; customer service; leadership of our health care team; lifelong learning; and more efficient delivery systems. Let us stop being a victim, stop shooting ourselves in the professional foot, and seize the day!
A Pennsylvania task force recommended that nuclear utilities insure their plants with a mandatory national property insurance program. The proposed Nuclear Powerplant Property Damage Insurance Act of 1981 will cover the cleanup costs of onsite damage in excess of $350 million for a single accident ($50 million when private insurance is added on) and a ceiling of two billion dollars. Participation in the insurance pool would be in conjunction with licensing and would permit no grandfathering. Total payout for Three Mile Island-2 would cover 75% of the cleanup costs, the remainder to be apportioned among other parties. The insurance pool will have a $750 million goal supported by utility premiums
Challinor, Andrew J; Parkes, Ben; Ramirez-Villegas, Julian
Projections of the response of crop yield to climate change at different spatial scales are known to vary. However, understanding of the causes of systematic differences across scale is limited. Here, we hypothesize that heterogeneous cropping intensity is one source of scale dependency. Analysis of observed global data and regional crop modelling demonstrate that areas of high vs. low cropping intensity can have systematically different yields, in both observations and simulations. Analysis of global crop data suggests that heterogeneity in cropping intensity is a likely source of scale dependency for a number of crops across the globe. Further crop modelling and a meta-analysis of projected tropical maize yields are used to assess the implications for climate change assessments. The results show that scale dependency is a potential source of systematic bias. We conclude that spatially comprehensive assessments of climate impacts based on yield alone, without accounting for cropping intensity, are prone to systematic overestimation of climate impacts. The findings therefore suggest a need for greater attention to crop suitability and land use change when assessing the impacts of climate change. © 2015 John Wiley & Sons Ltd.
Pereira, J L; Picanço, M C; Pereira, E J G; Silva, A A; Jakelaitis, A; Pereira, R R; Xavier, V M
Crop management practices can affect the population of phytophagous pest species and beneficial arthropods with consequences for integrated pest management. In this study, we determined the effect of no-tillage and crop residue management on the arthropod community associated with the canopy of common beans (Phaseolus vulgaris L.). Abundance and species composition of herbivorous, detritivorous, predaceous and parasitoid arthropods were recorded during the growing seasons of 2003 and 2004 in Coimbra County, Minas Gerais State, Brazil. Arthropod diversity and guild composition were similar among crop management systems, but their abundance was higher under no-tillage relative to conventional cultivation and where residues from the preceding crop were maintained in the field. Thirty-four arthropod species were recorded, and those most representative of the impact of the crop management practices were Hypogastrura springtails, Empoasca kraemeri and Circulifer leafhoppers, and Solenopsis ants. The infestation levels of major insect-pests, especially leafhoppers (Hemiptera: Cicadellidae), was on average seven-fold lower under no-tillage with retention of crop residues relative to the conventional system with removal of residues, whereas the abundance of predatory ants (Hymenoptera: Formicidae) and springtails (Collembola: Hypogastruridae) were, respectively, about seven- and 15-fold higher in that treatment. Importantly, a significant trophic interaction among crop residues, detritivores, predators and herbivores was observed. Plots managed with no-tillage and retention of crop residues had the highest bean yield, while those with conventional cultivation and removal of the crop residues yielded significantly less beans. This research shows that cropping systems that include zero tillage and crop residue retention can reduce infestation by foliar insect-pests and increase abundance of predators and detritivores, thus having direct consequences for insect pest management.
Røed, Knut; Jensen, Peter; Thoursie, Anna
Based on pooled register data from Norway and Sweden, we find that differences in unemployment duration patterns reflect dissimilarities in unemployment insurance (UI) systems in a way that convincingly establishes the link between economic incentives and job search behaviour. Specifically, UI...... benefits are relatively more generous for low-income workers in Sweden than in Norway, leading to relatively longer unemployment spells for low-income workers in Sweden. Based on the between-countries variation in replacement ratios, we find that the elasticity of the outflow rate from insured unemployment...
Deterministic control theory is used to find the optimal premium strategy for an insurer in order to maximise a given objective. The optimal strategy can be loss-leading depending on the model parameters, which may result in negative premium values. In such circumstances, it is optimal to capture as much of the market as possible before making a profit towards the end of the time horizon. In reality, the amount by which an insurer can lower premiums is constrained by borrowing restrictions an...
Full Text Available The need for health care reforms and alternative financing mechanism in many low and middle-income countries has been advocated. This led to the introduction of the national health insurance scheme (NHIS in Nigeria, at first with the enrollment of formal sector employees. A qualitative study was conducted to assess enrollee’s perception on the quality of health care before and after enrollment. Initial results revealed that respondents (heads of households have generally viewed the NHIS favorably, but consistently expressed dissatisfaction over the terms of coverage. Specifically, because the NHIS enrollment covers only the primary insured person, their spouse and only up to four biological children (child defined as <18 years of age, in a setting where extended family is common. Dissatisfaction of enrollees could affect their willingness to participate in the insurance scheme, which may potentially affect the success and future extension of the scheme.
We would like to invite you to submit your latest research accomplishments to The Crop Journal,an international,peer‐reviewed research publication covering all aspects of crop sciences including crop genetics,breeding,agronomy,crop physiology,germplasm resources,grain chemistry,grain storage and processing,crop management practices,crop biotechnology,and biomathematics on a bimonthly basis.
We would like to invite you to submit your latest research accomplishments to The Crop Journal,an international,peer‐reviewed research publication covering all aspects of crop sciences including crop genetics,breeding,agronomy,crop physiology,germplasm resources,grain chemistry,grain storage and processing,crop management practices,crop biotechnology,and biomathematics on a bimonthly basis.
We would like to invite you to submit your latest research accomplishments to The Crop Journal,an international,peer-reviewed research publication covering all aspects of crop sciences including crop genetics,breeding,agronomy,crop physiology,germplasm resources,grain chemistry,grain storage and processing,crop management practices,crop biotechnology,and biomathematics on a bimonthly basis.
We would like to invite you to submit your latest research accomplishments to The Crop Journal,an international,peer‐reviewed research publication covering all aspects of crop sciences including crop genetics,breeding,agronomy,crop physiology,germplasm resources,grain chemistry,grain storage and processing,crop management practices,crop biotechnology,and biomathematics on a bimonthly basis.
We would like to invite you to submit your latest research accomplishments to The Crop Journal,an international,peer-reviewed research publication covering all aspects of crop sciences including crop genetics,breeding,agronomy,crop physiology,germplasm resources,grain chemistry,grain storage and processing,crop management practices,crop biotechnology,and biomathematics on a bimonthly basis.
Wong, Charlene A; Asch, David A; Vinoya, Cjloe M; Ford, Carol A; Baker, Tom; Town, Robert; Merchant, Raina M
We describe young adults' perspectives on health insurance and HealthCare.gov, including their attitudes toward health insurance, health insurance literacy, and benefit and plan preferences. We observed young adults aged 19-30 years in Philadelphia from January to March 2014 as they shopped for health insurance on HealthCare.gov. Participants were then interviewed to elicit their perceived advantages and disadvantages of insurance and factors considered important for plan selection. A 1-month follow-up interview assessed participants' plan enrollment decisions and intended use of health insurance. Data were analyzed using qualitative methodology, and salience scores were calculated for free-listing responses. We enrolled 33 highly educated young adults; 27 completed the follow-up interview. The most salient advantages of health insurance for young adults were access to preventive or primary care (salience score .28) and peace of mind (.27). The most salient disadvantage was the financial strain of paying for health insurance (.72). Participants revealed poor health insurance literacy with 48% incorrectly defining deductible and 78% incorrectly defining coinsurance. The most salient factors reported to influence plan selection were deductible (.48) and premium (.45) amounts as well as preventive care (.21) coverage. The most common intended health insurance use was primary care. Eight participants enrolled in HealthCare.gov plans: six selected silver plans, and three qualified for tax credits. Young adults' perspective on health insurance and enrollment via HealthCare.gov can inform strategies to design health insurance plans and communication about these plans in a way that engages and meets the needs of young adult populations. Copyright © 2015 Society for Adolescent Health and Medicine. Published by Elsevier Inc. All rights reserved.
Indigenous knowledge is examined as it is affected by development and scientific exploration. The indigenous culture of shamanism, which originated in northern and southeast Asia, is a "political and religious technique for managing societies through rituals, myths, and world views." There is respect for the natural environment and community life as a social common good. This world view is still practiced by many in Latin America and in Colombia specifically. Colombian shamanism has an environmental accounting system, but the Brazilian government has established its own system of land tenure and political representation which does not adequately represent shamanism. In 1992 a conference was held in the Philippines by the International Institute for Rural Reconstruction and IDRC on sustainable development and indigenous knowledge. The link between the two is necessary. Unfortunately, there are already examples in the Philippines of loss of traditional crop diversity after the introduction of modern farming techniques and new crop varieties. An attempt was made to collect species, but without proper identification. Opposition was expressed to the preservation of wilderness preserves; the desire was to allow indigenous people to maintain their homeland and use their time-tested sustainable resource management strategies. Property rights were also discussed during the conference. Of particular concern was the protection of knowledge rights about biological diversity or pharmaceutical properties of indigenous plant species. The original owners and keepers of the knowledge must retain access and control. The research gaps were identified and found to be expansive. Reference was made to a study of Mexican Indian children who knew 138 plant species while non-Indian children knew only 37. Sometimes there is conflict of interest where foresters prefer timber forests and farmers desire fuelwood supplies and fodder and grazing land, which is provided by shrubland. Information
McGaughey, K.; Becker Reshef, I.; Barker, B.; Humber, M. L.; Nordling, J.; Justice, C. O.; Deshayes, M.
The Group on Earth Observations (GEO) developed the Global Agricultural Monitoring initiative (GEOGLAM) to improve existing agricultural information through a network of international partnerships, data sharing, and operational research. This presentation will discuss the Crop Monitor component of GEOGLAM, which provides the Agricultural Market Information System (AMIS) with an international, multi-source, and transparent consensus assessment of crop growing conditions, status, and agro-climatic conditions likely to impact global production. This activity covers the four primary crop types (wheat, maize, rice, and soybean) within the main agricultural producing regions of the AMIS countries. These assessments have been produced operationally since September 2013 and are published in the AMIS Market Monitor Bulletin. The Crop Monitor reports provide cartographic and textual summaries of crop conditions as of the 28th of each month, according to crop type. This presentation will focus on the building of international networks, data collection, and data dissemination.
Salim, Anas Mustafa Ahmed; Hamed, Fatima Hashim Mahmoud
It has been 20 years since the introduction of health insurance in Sudan. This study was the first one that explored health insurance services in Sudan from the perspectives of the insurers. This was a qualitative, exploratory, interview study. The sampling frame was the list of Social Health Insurance and Private Health Insurance institutions in Sudan. Participants were selected from the four Social Health Insurance institutions and from five Private Health Insurance companies. The study was conducted in January and February 2017. In-depth individual interviews were conducted with a convenient sample of key executives from the different health insurers. Ideas and themes were identified and analysed using thematic analysis. The result showed that universal coverage was not achieved despite long time presence of Social Health Insurance and Private Health Insurance in Sudan. All participants described their services as comprehensive. All participants have good perception of the quality of the services they provide, although none of them investigated customer satisfaction. The main challenges facing Social Health Insurance are achieving universal coverage, ensuring sustainability and recruitment of the informal sector and self-employed population. Consumers' affordability of the premiums is the main obstacle for Private Health Insurance, while rising healthcare cost due to economic inflation is a challenge facing both Social Health Insurance and Private Health Insurance. In spite of the presence of Social Health Insurance and Private Health Insurance in Sudan, the country is still far from achieving universal coverage. Moreover, the sustainability of health insurance is questionable. The main reasons include low governmental financial resources and lack of affordability by beneficiaries especially for Private Health Insurance. This necessitates finding solutions to improve them or trying other types of health insurance. The quality of services provided by Social
Jan Antoni Rafalski
Full Text Available Most important crop productivity traits, such as yield under normal and environmental stress conditions, are determined by a large number of genes, each with a small phenotypic effect. Genetic improvement of these traits through breeding or genetic engineering has been frustrating researchers in academia and industry. The reasons for this include the complexity of the traits, the difficulty of precise phenotyping and the lack of validated candidate genes. Different approaches to the discovery of the genetic architecture of such traits, such as Genetic Association Mapping and Genomic Selection and their engineering, are expected to yield benefits for farmers and consumers.
Meyer, D.W.; Norby, W.E.; Erickson, D.O.; Johnson, R.G. [North Dakota State Univ., Fargo, ND (United States)
Herbaceous lignocellulose crops are a potential renewable feedstock for biochemical conversion systems second in size to wood products. Several herbaceous crops are utilized as forage crops in the northern Great Plains, but forage quality considerations usually dictates a early harvest. Biomass cropping does not have this constraint; therefore, little information was available on herbaceous crops utilized as energy crops prior to this project. Our primary objectives were to evaluate the biomass yield and select chemical components of several herbaceous crops for energy crops in the northern Great Plains, compare the economic feasibility of energy crops with common competing crops, and evaluate biomass cropping on summer fallow lands. Three good, two marginal, and one irrigated sites were used during 1988 to 1992 for the first component. At least six perennial and four annual biomass species were included at all sites. Three to four nitrogen (N) levels and a crop-recrop comparison (annuals only) were management intensities included. Biomass cropping on idled lands was performed on dryland at Carrington and evaluated the effects of removing leguminous biomass on fallowed lands. This report summarizes results from the 5-year project.
It is understood that construction projects usually have in force several simultaneous contractual ... business witlloct suficient cover of insurance. The aim of this paper is, therefore, to discuss the needs and .... D: Risks associated with the Technical aspects of the project. E: Risks associated with Acts of Man. F: Design risks.
Lagerlöf, Johan N. M.; Schottmüller, Christoph
We study a monopoly insurance model with endogenous information acquisi- tion. Through a continuous effort choice, consumers can determine the precision of a privately observed signal that is informative about their accident risk. The equilibrium effort is, depending on parameter values, either...
Roč. 11, č. 10 (2004), s. 651-656 ISSN 1350-4851 Institutional research plan: CEZ:AV0Z7085904 Keywords : recalls * unemployment insurance taxes Subject RIV: AH - Economics Impact factor: 0.135, year: 2004 http://search.ebscohost.com/login.aspx?direct=true&db=bth&AN=14132347&site=ehost-live
of good practice to be used as a design aid by engineers. ..... an ethical and professipnal atmosphere. It is also essential for the local ..... If your answer is no, please write the reason/sf or not purchasing insurance policies? 10. What types of ...
Costa, M.P.R. da.
The insurance is presented as a way to offer the guarantees to the reparing of the nuclear energy damages, enphasizing the adoption of the associations and pools system in Brazil, since the coverings envolved are very high. (A.L.) [pt
Runsheng Yin; Bob Izlar
The long-term growth of institutional timberland investments depends on the ability of timberland investment management organizations (TIMO) to deal effectively with securitization, leveraging, arbitraging, supply contracting, portfolio insurance, tax efficiency enhancement, and other issues. Financial engineering holds great promise for many of these issues. This...
Nuclear insurance pools have provided insurance for the nuclear industry for over fifty years and it is fair to say that the development of civil nuclear power would not have been possible without the support of the commercial insurance market. The unknown risks presented by the nascent nuclear power industry in the 1950s required a leap of faith by insurers who developed specialist pooled insurance capacity to ensure adequate capacity to back up the operators' compensation obligations. Since then, nuclear insurance pools have evolved to become comprehensive suppliers of most types of insurance for nuclear plant globally. This paper will outline the structure, development, products and current operations of nuclear insurance pools.(author)
U.S. Department of Health & Human Services — A set of seven (7) public use files containing information on health insurance issuers participating in the Health Insurance Marketplace and certified qualified...
S V Martynenko
This article shows how globalization resolves problems, which are motivated in a new way by modern situational context of social-insurance, how the 'insurance cocoon' of civilization leads to narrowing of conflict space in the world politics.
U.S. Department of Health & Human Services — This tool will help you find the health insurance best suited to your needs, whether its private insurance for individuals, families, and small businesses, or public...
Norberg, Ragnar; Planchet, Frédéric
Focussing on life insurance and pensions, this book addresses various aspects of modelling in modern insurance: insurance liabilities; asset-liability management; securitization, hedging, and investment strategies. With contributions from internationally renowned academics in actuarial science, finance, and management science and key people in major life insurance and reinsurance companies, there is expert coverage of a wide range of topics, for example: models in life insurance and their roles in decision making; an account of the contemporary history of insurance and life insurance mathematics; choice, calibration, and evaluation of models; documentation and quality checks of data; new insurance regulations and accounting rules; cash flow projection models; economic scenario generators; model uncertainty and model risk; model-based decision-making at line management level; models and behaviour of stakeholders. With author profiles ranging from highly specialized model builders to decision makers at chief ex...
... property owned by the recipient. Federally-owned property need not be insured unless required by the terms... Requirements Property Standards § 518.31 Insurance coverage. Recipients shall, at a minimum, provide the...
... by the recipient. Federally-owned property need not be insured unless required by the terms and... Property Standards § 74.31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent...
... property owned by the recipient. Federally-owned property need not be insured unless required by the terms... Requirements Property Standards § 19.31 Insurance coverage. Recipients shall, at a minimum, provide the...
... provided to property owned by the recipient. Federally-owned property need not be insured unless required... Nonprofit Organizations Post-Award Requirements § 600.131 Insurance coverage. Recipients shall, at a minimum...
... funds as provided to property owned by the recipient. Federally-owned property need not be insured... ORGANIZATIONS Post-Award Requirements Property Standards § 435.31 Insurance coverage. Recipients must, at a...
U.S. Department of Health & Human Services — The Affordable Care Act created the new Pre-Existing Condition Insurance Plan (PCIP) program to make health insurance available to Americans denied coverage by...
Harrison, Glenn W.; Martínez-Correa, Jimmy; Ng, Jia Min
affects both the demand for the product and the welfare of individuals making take-up decisions. We study the impact of basis risk on insurance take-up and on expected welfare in a laboratory experiment with an insurance frame. We measure the expected welfare of index insurance to individuals while......Index insurance was conceived to be a product that would simplify the claim settlement process and make it more objective, reducing transaction costs and moral hazard. However, index insurance also exposes the insured to basis risk, which arises because there can be a mismatch between the index...... risks that are different from preferences exhibited for their actuarially-equivalent counterparts. We study the potential link between index insurance demand and attitudes towards compound risks. We test the hypothesis that the compound risk nature of index insurance induced by basis risk negatively...
Full Text Available The importance and increasing role of Internet in nowadays business area are officially recognized. No matter the industry a company is operating in, the distribution channels include direct sales through Internet. Following this idea, also the insurance companies decided to sell their insurance policy online. In this paper we analyze the advantages of Internet for insurance companies, the threats and the actual situation for Romanian insurers
Can compulsory occupational injury insurance be used as a strategy for prevention in the work place? This is discussed on the basis of two different insurance systems - the Danish and the French.......Can compulsory occupational injury insurance be used as a strategy for prevention in the work place? This is discussed on the basis of two different insurance systems - the Danish and the French....
In many welfare states, tightening financial constraints suggest excluding some medical services, including new ones, from social security coverage. This may create opportunities for private health insurance. This study analyses the performance of supplementary private health insurance (SPHI) in markets for excluded services in terms of population covered, risk selection and insurer profits. Using a utility-based simulation model, the insurance market is described as a composite of sub-market...
In this article, the effects of fee-for-service personal financial planning on the decision making of a profit-maximizing life insurance general agent are examined. Three refutable propositions are developed which implicate the movements of the general agent who must adjust to a new optimal profit-maximizing allocation of financial planning, personal insurance sales, and agent insurance sales when there is a change in one of the fee or commission rate parameters. It is demonstrated that insur...
CROPIX, Inc., formed in 1984 by Frank Lamb, president of the Eastern Oregon Farming Company, monitors primarily potato crops in a 20,000 square mile area of northern Oregon and central Washington. Potatoes are a high value specialty crop that can be more profitable to the farmer if he has advance knowledge of market conditions, knows when to harvest, and when to take it to market. By processing and collecting data collected by the NASA-developed Landsat Earth Resources survey satellites, Lamb is able to provide accurate information on crop acreage and conditions on a more timely basis than the routine estimates by the USDA. CROPIX uses Landsat data to make acreage estimates of crops, and to calculate a field-by-field vegetative index number. CROPIX then distributes to its customers a booklet containing color-coded maps, an inventory of crops, plus data and graphs on crop conditions and other valuable information.
Full Text Available One of the efforts to preserve the sources of vegetarian, soil, and water is to rehabilitate the land and soil conservation. The aim of this rehabilitation is increasing and maintaining the produtivity of the land, so it can be preserved and used optimally. Therefore, it is necessary to a develop a variety of good soil conservation, such as vegetative method and civil engineering. To find an appropriate technology, so it is necessary to develop some alternatives of soil conservation technique that are mainly implemented at dry land with its slope of more than 15% in the upstream area of discharge. One of the most suitable soil conservation technique today is Alley Cropping. Based on the research (trial and error in some areas, Alley Cropping could really provide a positive result in terms of erotion controlling and running off and maintain the land productivity. In addition, the technique is more easly operated and spends a cheaper cost than making a bench terrace.
... vehicle insurers that are required to file reports on their motor vehicle theft loss experiences. An... the agency. Each insurer's report includes information about thefts and recoveries of motor vehicles... more vehicles not covered by theft insurance policies issued by insurers of motor vehicles, other than...
... passenger motor vehicle insurers that are required to file reports on their motor vehicle theft loss... information about thefts and recoveries of motor vehicles, the rating rules used by the insurer to establish... companies with a fleet of 20 or more vehicles not covered by theft insurance policies issued by insurers of...
... vehicle insurers that are required to file reports on their motor vehicle theft loss experiences. An... the agency. Each insurer's report includes information about thefts and recoveries of motor vehicles... vehicles not covered by theft insurance policies issued by insurers of motor vehicles, other than any...
... 41 Public Contracts and Property Management 1 2010-07-01 2010-07-01 true Health insurance, life... VETERANS, AND ARMED FORCES SERVICE MEDAL VETERANS Discrimination Prohibited § 60-300.25 Health insurance, life insurance and other benefit plans. (a) An insurer, hospital, or medical service company, health...
... 41 Public Contracts and Property Management 1 2010-07-01 2010-07-01 true Health insurance, life... SEPARATED VETERANS, AND OTHER PROTECTED VETERANS Discrimination Prohibited § 60-250.25 Health insurance, life insurance and other benefit plans. (a) An insurer, hospital, or medical service company, health...
The following questions are discussed in connection with the insurance of nuclear risks: insurance techniques, the nuclear operator's limitation of liability in amount and in time, its channelling, the principle of sole liability and exonerations, the insurers' position, the cover provided and state intervention beyond that amount. (NEA) [fr
... 20 Employees' Benefits 3 2010-04-01 2010-04-01 false Unemployment insurance. 617.58 Section 617.58 Employees' Benefits EMPLOYMENT AND TRAINING ADMINISTRATION, DEPARTMENT OF LABOR TRADE ADJUSTMENT ASSISTANCE... Unemployment insurance. Unemployment insurance payable to an adversely affected worker shall not be denied or...
... 48 Federal Acquisition Regulations System 1 2010-10-01 2010-10-01 false Transportation insurance... MANAGEMENT TRANSPORTATION General 47.102 Transportation insurance. (a) The Government generally (1) retains... assumed responsibility. The cost of this insurance to the carrier shall be part of the transportation cost...
Sheremet, O.; Lucas, A.
We study the possibility for international diversification of catastrophe risk by the insurance sector. Adopting the argument that large insurance losses may be a 'globalizing factor' for the industry, we study the dependence of geographically distant insurance markets via equity returns. In
Comments are made on nuclear insurance experience in the United States. The subject is discussed in more detail under the headings: direct physical damage insurance; workers' compensation insurance; third party liability (premises and operations considerations; products considerations); possible alternatives to the existing arrangement. (U.K.)
... 7 Agriculture 10 2010-01-01 2010-01-01 false Insurance. 1427.166 Section 1427.166 Agriculture... AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS COTTON Recourse Seed Cotton Loans § 1427.166 Insurance. The seed cotton must be insured at the full loan value against loss or damage by fire. ...
Within the actuarial profession a major challenge can be found in the construction of a fair tariff structure. In light of the heterogeneity within, for instance, a car insurance portfolio, an insurance company should not apply the same premium for all insured risks. Otherwise the so-called concept
M. van Dijk (Machiel); M. Pomp (Marc); R.C.H.M. Douven (Rudy); T. Laske-Aldershof (Trea); F.T. Schut (Erik); W. de Boer (Willem); A. Boo (Anne)
textabstractAim: To estimate the price sensitivity of consumer choice of health insurance firm. Method: Using paneldata of the flows of insured betweenpairs of Dutch sickness funds during the period 1993-2002, we estimate the sensitivity of these flows to differences in insurance premium. Results:
... Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for real property and equipment acquired with Federal funds as provided to property owned by the recipient. Federally-owned property need not be insured unless required by the terms and conditions of the award. ...
....31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for real property and equipment acquired with NHPRC funds as provided to property owned by the recipient. Federally-owned property need not be insured unless required by the terms and conditions of the award. ...
... a commitment for insured advances, initial endorsement of the credit instrument shall occur before... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance endorsement. 200.100... Endorsement Generally Applicable to Multifamily and Health Care Facility Mortgage Insurance Programs; and...
... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance endorsement. 241.1245... Rights and Obligations § 241.1245 Insurance endorsement. (a) Endorsement. The Commissioner shall indicate his insurance of the equity loan or acquisition loan by endorsing the original credit instrument and...
... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance endorsement. 241.570... § 241.570 Insurance endorsement. (a) Initial endorsement. The Commissioner shall indicate his/her insurance of the mortgage by endorsing the original credit instrument and identifying the section of the Act...
Sekhri, Neelam; Savedoff, William
Private health insurance is playing an increasing role in both high- and low-income countries, yet is poorly understood by researchers and policy-makers. This paper shows that the distinction between private and public health insurance is often exaggerated since well regulated private insurance markets share many features with public insurance systems. It notes that private health insurance preceded many modern social insurance systems in western Europe, allowing these countries to develop the mechanisms, institutions and capacities that subsequently made it possible to provide universal access to health care. We also review international experiences with private insurance, demonstrating that its role is not restricted to any particular region or level of national income. The seven countries that finance more than 20% of their health care via private health insurance are Brazil, Chile, Namibia, South Africa, the United States, Uruguay and Zimbabwe. In each case, private health insurance provides primary financial protection for workers and their families while public health-care funds are targeted to programmes covering poor and vulnerable populations. We make recommendations for policy in developing countries, arguing that private health insurance cannot be ignored. Instead, it can be harnessed to serve the public interest if governments implement effective regulations and focus public funds on programmes for those who are poor and vulnerable. It can also be used as a transitional form of health insurance to develop experience with insurance institutions while the public sector increases its own capacity to manage and finance health-care coverage.
Ejrnaes, Mette; Hochguertel, Stefan
We study risk behavior of Danish self-employed entrepreneurs, whose income risk may be driven by both exogenous factors and effort choice (moral hazard). Partial insurance is available through voluntary unemployment insurance (UI). Additional incentives to sign insurance contracts stem from a
... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance benefits. 241.885 Section... § 241.885 Insurance benefits. (a) Method of payment. Payment of claims shall be made in the following... acceptable assignment of the note and security instrument to the Commissioner, the insurance benefits shall...
... Health Insurance Providers Fee AGENCY: Internal Revenue Service (IRS), Treasury. ACTION: Notice of... insurance for United States health risks. This fee is imposed by section 9010 of the Patient Protection and... insurance for United States health risks. DATES: Written or electronic comments must be received by June 3...
Szilagyi, Peter G.
Few people would disagree that children with disabilities need adequate health insurance. But what kind of health insurance coverage would be optimal for these children? Peter Szilagyi surveys the current state of insurance coverage for children with special health care needs and examines critical aspects of coverage with an eye to helping policy…
... 3 The President 1 2010-01-01 2010-01-01 false State Children's Health Insurance Program... Insurance Program Memorandum for the Secretary of Health and Human Services The State Children's Health Insurance Program (SCHIP) encourages States to provide health coverage for uninsured children in families...
Suijs, J.P.M.; De Waegenaere, A.M.B.; Borm, P.E.M.
This paper shows how problems in `non life'-insurance and `non life'-reinsurance can be modelled simultaneously as cooperative games with stochastic payoffs.Pareto optimal allocations of the risks faced by the insurers and the insureds are determined.It is shown that the core of the corresponding
... insurance premiums to protect the service company against losses and damages to owned or leased property... covered, and the applicable premiums. Any dividends distributed by mutual insurance companies shall be credited to the accounts to which the insurance premiums were charged. ...
... health insurance kicks in. As a general rule, insurance plans with low premiums have high deductibles, and plans with high premiums ... other plans due to hardship. This type of insurance can have low premiums but very high deductibles. Plans generally cover less ...
... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance premium. 203.443 Section... premium. All of the provisions of §§ 203.260 through 203.269 1 concerning mortgage insurance premiums... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE...
... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance premiums. 232.805 Section... FACILITIES Contract Rights and Obligations Premiums § 232.805 Insurance premiums. (a) First premium. The... insurance premium equal to one percent of the original face amount of the note. (b) Second premium. The...
Insurance mathematics today is considered a part of applied probability theory. Main objectives are modelling of claims that arrive in an insurance business, and decide how premiums are to be charged to avoid ruin of the insurance company. GENERAL I ARTICLE various results and the heuristics can be appreciated.
Transparency in insurance law attaches to the rights and duties of the parties, the ... protection principles as envisaged by South African insurance legislation. ... an insurance contract, the insurer's duty to speak is not based on a general ...
Hamdia, M. A; Shaddad, M. A. K.
Several environmental factors adversely affect plant growth and development and final yield performance of a crop. Drought, salinity, nutrient imbalances (including mineral toxicities and deficiencies) and extremes of temperature are among the major environmental constraints to crop productivity worldwide. Development of crop plants with stress tolerance, however, requires, among others, knowledge of the physiological mechanisms and genetic controls of the contributing traits at different pla...
Lubotsky, Darren; Olson, Craig A
This paper estimates the trade-off between salary and health insurance costs using data on Illinois school teachers between 1991 and 2008 that allow us to address several common empirical challenges in this literature. Teachers paid about 17 percent of the cost of individual health insurance and about 46 percent of the cost of their family members' plans through premium contributions, but we find no evidence that teachers' salaries respond to changes in insurance costs. Consistent with a higher willingness to pay for insurance, we find that premium contributions are higher in districts that employ a higher-tenured workforce. We find no evidence that school districts respond to higher health insurance costs by reducing the number of teachers. Copyright © 2015 Elsevier B.V. All rights reserved.
Full Text Available Introduction. Despite the considerable arsenal of developments in the issues of assessing the management of the insurance portfolio remains unresolved. In order to detail, specify and further systematize the indicators for the indicated evaluation, the publications of scientists are analyzed. The purpose of the study is to analyze existing methods by which it is possible to formulate and manage the insurance portfolio in order to achieve its balance, which will contribute to ensuring the financial reliability of the insurance company. Results. The description of the essence of the concept of “management of insurance portfolio”, as the application of actuarial methods and techniques to the combination of various insurance risks offered for insurance or are already part of the insurance portfolio, allowing to adjust the size and structure of the portfolio in order to ensure its financial stability, achievement the maximum level of income of an insurance organization, preservation of the value of its equity and financial security of insurance liabilities. It is determined that the main methods by which the insurer’s insurance portfolio can be formed and managed is the selection of risks; reinsurance operations that ensure diversification of risks; formation and placement of insurance reserves, which form the financial basis of insurance activities. The method of managing an insurance portfolio, which can be both active and passive, is considered. Conclusions. It is determined that the insurance portfolio is the basis on which all the activities of the insurer are based and which determines its financial stability. The combination of methods and technologies applied to the insurance portfolio is a management method that can be both active and passive and has a number of specific methods through which the insurer’s insurance portfolio can be formed and managed. It is substantiated that each insurance company aims to form an efficient and
Ines, A. V. M.; Capa Morocho, M. I.; Baethgen, W.; Rodriguez-Fonseca, B.; Han, E.; Ruiz Ramos, M.
Seasonal climate prediction may allow predicting crop yield to reduce the vulnerability of agricultural production to climate variability and its extremes. It has been already demonstrated that seasonal climate predictions at European (or Iberian) scale from ensembles of global coupled climate models have some skill (Palmer et al., 2004). The limited predictability that exhibits the atmosphere in mid-latitudes, and therefore de Iberian Peninsula (PI), can be managed by a probabilistic approach based in terciles. This study presents an application for the IP of two methods for linking tercile-based seasonal climate forecasts with crop models to improve crop predictability. Two methods were evaluated and applied for disaggregating seasonal rainfall forecasts into daily weather realizations: 1) a stochastic weather generator and 2) a forecast tercile resampler. Both methods were evaluated in a case study where the impacts of two seasonal rainfall forecasts (wet and dry forecast for 1998 and 2015 respectively) on rainfed wheat yield and irrigation requirements of maize in IP were analyzed. Simulated wheat yield and irrigation requirements of maize were computed with the crop models CERES-wheat and CERES-maize which are included in Decision Support System for Agrotechnology Transfer (DSSAT v.4.5, Hoogenboom et al., 2010). Simulations were run at several locations in Spain where the crop model was calibrated and validated with independent field data. These methodologies would allow quantifying the benefits and risks of a seasonal climate forecast to potential users as farmers, agroindustry and insurance companies in the IP. Therefore, we would be able to establish early warning systems and to design crop management adaptation strategies that take advantage of favorable conditions or reduce the effect of adverse ones. ReferencesPalmer, T. et al., 2004. Development of a European multimodel ensemble system for seasonal-to-interannual prediction (DEMETER). Bulletin of the
Full Text Available Insurance provides financial protection to the insured, though; its acceptance by Nigerian insuring public is still low. This can sharply be traced to low awareness of insurance service. More importantly, quality of service to the few who embraced it had been low. Therefore, insuring public perceives insurance service as defective because customers’ expectations are not met. The objective of this research is to find out whether application of service quality measurement will drive demand for insurance products. Hypothesis was tested to find out whether SERVQUAL measurement is not significantly related to demand for insurance products in Nigeria. The study adopts descriptive research design; hypothesis was tested using regression analysis. The study reveals that there is a significant relationship between application of SERVQUAL measurement and demand for insurance. It is recommended that insurance companies operating in Nigeria should adopt SERVQUAL measurement which will further increase customer retention and loyalty.
Thailand has a universal multi-payer system with two main types of health insurance: National Health Security Office or public health insurance and private insurance. National health insurance is designed for people who are not eligible to be members of any employment-based health insurance program. Although private health insurance is also available, all Thai citizens are required to be enrolled in either national health insurance or employees? health insurance. There are many differences be...
Md Monjurul Islam
Full Text Available The purpose of this research is to develop a land suitability model for rice production based on suitability levels and to propose insurance premiums to obtain maximum returns based on the harvest index and subsidy dependence factor for the marginal and moderately suitable lands in the northern part of Bangladesh. A multicriteria analysis was undertaken and a rice land suitability map was developed using geographical information system and analytical hierarchy process. The analysis identified that 22.74% of the area was highly suitable, while 14.86% was marginally suitable, and 28.54% was moderately suitable for rice production. However, 32.67% of the area, which was occupied by water bodies, rivers, forests, and settlements, is permanently not suitable; 1.19% is presently not suitable. To motivate low-quality land owners to produce rice, there is no alternative but to provide protection through crop insurance. We suggest producing rice up to marginally suitable lands to obtain support from insurance. The minimum coverage is marginal coverage (70% to cover the production costs, while the maximum coverage is high coverage (90% to enable a maximum return. This new crop insurance model, based on land suitability can be a rational support for owners of different quality land to increase production.
Jentzsch, Thorsten; Neuhaus, Valentin; Seifert, Burkhardt; Osterhoff, Georg; Simmen, Hans-Peter; Werner, Clément M L; Moos, Rudolf
The socioeconomic status has been associated with disparities in the incidence and mortality of traumatic injuries. However, there is a lack of studies on the level of health insurance with regard to various epidemiologic data of traumatic injuries, which this study opted to clarify. All consecutive 6595 patients admitted to a level one trauma center in 2012 and 2013 were included in this retrospective cohort study. Patients were grouped according to their health insurance status (public versus private extended health care insurance) and compared with regard to several epidemiologic variables, that is, the type of injuries, inhospital outcome, and surgical procedures. Public insurance coverage was significantly more common than private insurance (75% versus 25%). Public insurance was associated with younger age, male sex, transfers to another hospital or mental institution, head concussions, head fractures, and increased mortality. Contrarily, patients with private insurance were more often associated with longer hospital stay, discharge to a rehabilitation clinic, fractures of the proximal humerus, and shoulder dislocations. However, there were no significant differences for the remaining majority of studied variables. In a trauma setting, the level of insurance does not seem to play a crucial role in most types of injuries and surgical procedures in a country with a high level of obligatory health care coverage. Nonetheless, it appears that publicly insured patients are more commonly younger, males, transferred to another hospital more often, more prone to head trauma, and subject to increased mortality, whereas privately insured patients show longer hospital stays, increased transfers to rehabilitation clinics, and more fractures of the proximal humerus. Copyright © 2016 Elsevier Inc. All rights reserved.