WorldWideScience

Sample records for deposit insurance act

  1. Federal Deposit Insurance Corporation (FDIC) Insured Banks

    Data.gov (United States)

    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...

  2. Market Discipline and Deposit Insurance

    OpenAIRE

    Peresetsky,Anatoly

    2008-01-01

    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.

  3. 76 FR 4813 - Deposit Insurance Regulations; Unlimited Coverage for Noninterest-Bearing Transaction Accounts...

    Science.gov (United States)

    2011-01-27

    ... Insurance Act (FDI Act), as added by section 343 of the Dodd-Frank Wall Street Reform and Consumer... 343'').\\2\\ Section 343 amended the deposit insurance provisions of the FDI Act (12 U.S.C. 1821(a)(1...)(iii) of the FDI Act. The Act replaced the Section 343 definition with one that explicitly...

  4. A Game Theory Approach of Deposit Insurance

    Institute of Scientific and Technical Information of China (English)

    JIANG Hong-xun; QIU Wan-hua; MING Ming

    2002-01-01

    This paper presents a dynamic game theory approach for deposit insurance. We formulate a deposit insurance problem as an incomplete information game theory model, which deduces the expression of Capital Charge Ratio for national central bank. The main contribution of the paper however is that we then extrapolate the declared value of the bank in best its policy. Finally a numerical example is used to illustrate the approach proposed in this paper.

  5. The EU Deposit Insurance Directive: Does One Size Fit All?

    OpenAIRE

    Huizinga, Harry

    2005-01-01

    The EU deposit insurance directive requires member states to maintain deposit insurance with a minimum insured amount of 20,000 euros. This paper reviews the rationale for international coordination of deposit insurance policies. For international externalities of deposit insurance policies to exist, there has to be international ownership of either bank deposits or bank shares. On both counts, EU banking markets are currently highly integrated. The minimum coverage of 20,000 euros imposes co...

  6. 76 FR 21265 - Interest on Deposits; Deposit Insurance Coverage

    Science.gov (United States)

    2011-04-15

    ... in the subject line of the message. Mail: Robert E. Feldman, Executive Secretary, Attention: Comments... Deposit Insurance Corporation. Robert E. Feldman, Executive Secretary. BILLING CODE 6714-01-P...

  7. 78 FR 11604 - Deposit Insurance Regulations; Definition of Insured Deposit

    Science.gov (United States)

    2013-02-19

    ... States banks often operate foreign branches to provide banking, foreign currency, and payment services to... required to repay a deposit in a foreign branch if it cannot do so because of ``war, insurrection, or civil...

  8. AMERICAN SHARE INSURANCE: THE SOLE SURVIVING PRIVATE DEPOSIT INSURER IN THE UNITED STATES

    Directory of Open Access Journals (Sweden)

    Stephanie O. Crofton

    2010-01-01

    Full Text Available Founded in 1974, American Share Insurance (ASI is an insurer for deposits in credit unions and it is the sole surviving private primary deposit insurer in the US. We assess reasons why ASI survived when numerous other deposit insurance systems did not. These reasons include ASI’s policy of insuring only credit unions, its geographic diversification, its efforts to shed the quasi-governmental nature of other nonfederal deposit insurers, its covering only stronger depositories, its ability to draw funding from stronger insured institutions as needed, and its use of incentives for improved performance among its insured institutions. While the severity of the effects of the housing, financial, and economic crises on depositories and their insurers is yet to become fully clear, ASI’s performance up to the Summer of 2009 points to a set of practices that could help buttress other government and private deposit insurers in the US and abroad.

  9. Deposit Insurance and Bank Liquidity: Does Ownership Structure Matter?

    Directory of Open Access Journals (Sweden)

    Irwan Trinugroho

    2016-07-01

    Full Text Available We examine how the level deposit insurance coverage affects bank liquidity. We also test the role of ownership in the relationship between deposit insurance coverage and bank liquidity. This study uses quarterly data of Indonesian banks from Q1:2002 - Q2:2008. We argue that the presence of explicit deposit insurance changes a bank‘s behavior in liquidity management in the form of decreasing asset liquidity. We find some evidence on the negative impact of deposit insurance coverage on bank liquidity. However, little is found on the role of ownership structure. The credibility of deposit insurance system and implicit guarantee are the main policy implications.

  10. Optimal bank portfolio choice under fixed-rate deposit insurance

    OpenAIRE

    Anlong Li

    1991-01-01

    An analysis of the investment decisions of a bank whose deposits are fully insured under fixed-rate insurance, showing how banks dynamically adjust their investment portfolios in response to market information and how this flexibility affects both investment decisions and the fair cost of deposit insurance.

  11. Deposit Insurance Coverage, Credibility of Non-insurance, and Banking Crises

    DEFF Research Database (Denmark)

    Angkinand, Apanard; Wihlborg, Clas

    2005-01-01

    level require analyses of institutional factors affecting the credibility of non-insurance. In particular, the implementation of effective distress resolution procedures for banks would allow governments to reduce explicit deposit insurance coverage and, thereby, to strengthen market discipline......The ambiguity in existing empirical work with respect to effects of deposit insurance schemes on banks' risk-taking can be resolved if it is recognized that absence of deposit insurance is rarely credible and that the credibility of non-insurance can be enhanced by explicit deposit insurance...... schemes. We show that under reasonable conditions for effects on risk-taking of creditor protection in banking, and for effects on credibility of non-insurance of explicit coverage of deposit insurance schemes, there exists a partial level of coverage that maximizes market discipline and minimizes moral...

  12. 76 FR 7740 - Amendments to Deposit Insurance Regulations: Deposit Insurance Coverage Training; SMDIA Notification

    Science.gov (United States)

    2011-02-11

    ... personnel to complete FDIC-provided training on the fundamentals of FDIC deposit insurance coverage. These... Internet or other technology. Third, the rule would require IDIs to provide a link to the FDIC's Electronic... Internet or by means of other technology, these inquiries can be included in the paper or...

  13. Fixed-premium deposit insurance and international credit crunches

    OpenAIRE

    Spiegel, Mark M.

    1996-01-01

    This article introduces a monopolistically competitive model of foreign lending in which both explicit and implicit fixed-premium deposit insurance increase the degree to which bank participation in relending to problem debtors falls below its globally optimal level. This provides a channel for fixed-premium deposit insurance to inhibit credit extension in bad states, resulting in an increase in the expected default percentage and an increase in the expected burden on the deposit insurance in...

  14. 26 CFR 31.6302-1 - Federal tax deposit rules for withheld income taxes and taxes under the Federal Insurance...

    Science.gov (United States)

    2010-04-01

    ... withheld income taxes and taxes under the Federal Insurance Contributions Act (FICA) attributable to... 26 Internal Revenue 15 2010-04-01 2010-04-01 false Federal tax deposit rules for withheld income taxes and taxes under the Federal Insurance Contributions Act (FICA) attributable to payments made after...

  15. Blanket guarantee, deposit insurance, and risk-shifting incentive: evidence from Indonesia

    OpenAIRE

    Kariastanto, Bayu

    2011-01-01

    Indonesia established a deposit insurance system to maintain stability in its banking sector after the abolishment of blanket guarantees in 2005. Since the insurance premiums are fixed and flat, deposit insurance may create an incentive for banks to take more risks and transfer the risks to the deposit insurer. Using an option pricing based model of deposit insurance, we compute the fair deposit insurance premiums for all banks listed on the Indonesian stock exchange. We find evidence that ba...

  16. 26 CFR 31.6302-1T - Federal tax deposit rules for withheld income taxes and taxes under the Federal Insurance...

    Science.gov (United States)

    2010-04-01

    ... deposit rules for withheld income taxes and taxes under the Federal Insurance Contributions Act (FICA... 26 Internal Revenue 15 2010-04-01 2010-04-01 false Federal tax deposit rules for withheld income taxes and taxes under the Federal Insurance Contributions Act (FICA) attributable to payments made after...

  17. 12 CFR 347.215 - Exemptions from deposit insurance requirement.

    Science.gov (United States)

    2010-01-01

    ... STATEMENTS OF GENERAL POLICY INTERNATIONAL BANKING Foreign Banks § 347.215 Exemptions from deposit insurance... depositing funds in connection with the issuance of a financial instrument by the branch for the transmission... importance of maintaining and improving the availability of credit to all sectors of the United...

  18. Functioning Peculiarities of the Deposit Insurance System in the USA

    Directory of Open Access Journals (Sweden)

    Dubyna Maksym V.

    2016-03-01

    Full Text Available The article analyzes the current state of the deposit insurance system of the United States and identifies the goals, objectives and key features of its operation. It describes the historical features of the system creation and building and its development in the post-crisis period during the recovery of the global financial markets. Also, there studied new tools that were developed and introduced in the work of the Financial Deposit Insurance Corporation as the institutional part of the governance of the deposit insurance system in the United States, which include, first of all, the introduction of the procedures of orderly liquidation of insolvent banks. In the article there also examined modern mechanisms of counteraction to crisis phenomena in the framework of the national banking systems for prevention of the emergence of insolvent banks, which are effectively used in the US by the relevant governmental authorities in the regulation of the financial services markets.

  19. Deposit Insurance and Risk Shifting in a Strong Regulatory Environment

    DEFF Research Database (Denmark)

    Bartholdy, Jan; Justesen, Lene Gilje

    This study provides empirical evidence on the moral hazard implications of introducing deposit insurance into a strong regulatory environment. Denmark offers a unique setting because commercial banks and savings banks have different ownership structures, but are subject to the same set of regulat......This study provides empirical evidence on the moral hazard implications of introducing deposit insurance into a strong regulatory environment. Denmark offers a unique setting because commercial banks and savings banks have different ownership structures, but are subject to the same set...... of regulations. The ownership structure in savings banks implies that they have no incentive to increase risk after the implementation of a deposit insurance scheme whereas commercial banks have. Also, at the time of introduction, Denmark had high capital requirements and a strict closure policy. Using...... a difference-in-difference framework we show that commercial banks did not increase their risk compared to savings banks when deposit insurance was introduced. The results also hold for large commercial banks, indicating that the systemic risk did not increase either. Thus for a system with high capital...

  20. Deposit Insurance: A Strategy for Reform.

    Science.gov (United States)

    1991-03-01

    banks 461 233.4 4.6 Other savings banks and thriftsa 2,878 1,251.7 24.8 Credit unions 13,102 195.3 3.9 Total 28,943 $5,040.4 100.0 aData are as of... aData for thrifts are as of December 31, 1989. Source: GAO analysis of call report data. Federal agencies estimate that as of June 30, 1990, the U.S...depositors and non-deposit liabilities has led to a widespread perception in the market that some banks are "too big to fail."’ 0 This policy has been

  1. 12 CFR 347.203 - Deposit insurance required for all branches of foreign banks engaged in domestic retail deposit...

    Science.gov (United States)

    2010-01-01

    ... foreign banks engaged in domestic retail deposit activity in the same State. 347.203 Section 347.203 Banks... engaged in domestic retail deposit activity in the same State. The FDIC will not insure deposits in any... foreign bank in the same state that engages in domestic retail deposit activity will be an insured branch....

  2. 75 FR 20363 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Science.gov (United States)

    2010-04-19

    ... the appropriate service center. Dated: April 13, 2010. Federal Deposit Insurance Corporation. Robert Feldman, Executive Secretary. Institutions in Liquidation (In alphabetical order) FDIC ref. no. Bank...

  3. 75 FR 6667 - Update to Notice of Financial Institutions for Which the Federal Deposit Insurance Corporation...

    Science.gov (United States)

    2010-02-10

    ... the appropriate service center. Dated: February 4, 2010. Federal Deposit Insurance Corporation. Robert E. Feldman, Executive Secretary. ] Institutions in Liquidation FDIC Ref. No. Bank name City...

  4. Basic Principles of Financial Planning in Ex-ante Deposit Insurance Schemes

    Directory of Open Access Journals (Sweden)

    Đurđica Ognjenović

    2006-12-01

    Full Text Available The paper explores main principles of financial planning in ex-ante deposit insurance schemes from a theoretical perspective and in terms of the EU Directive on deposit- guarantee schemes. Further on, the paper assesses how these principles and standards are used in financial planning in deposit insurance schemes around the world for annual budgeting, strategic planning and optimalization of available financial resources. After reviewing available references and different practices, the conclusion is that there are no clear internationally accepted principles for deposit insurers’ financial planning, except some broad and general guidelines. Practices in the industry differ significantly. Given the fact that deposit insurance is in fact a monopolistic business, lack of clear principles and lack of proper financial planning may lead to inadequacy of ex-ante funds and negligence on the side of the management of deposit insurance schemes.

  5. Deposit insurance, discipline market, moral hazard and risk in Banking: A quantitative approach

    OpenAIRE

    Feng, Jialun

    2009-01-01

    The cross-country evidences from two empirical approaches presented in this paper show that explicit deposit insurance scheme reduces market discipline by decreasing capital ratio and required interest rate, while it increases bank’s risk by increasing loan loss reserve and decreasing liquidity ratio. I also use a dataset of deposit insurance design features to examine how different design features e.g. coverage, management affect deposit interest rates and market discipline. Keywords: Dep...

  6. Knowledge as a Predictor of Insurance Coverage Under the Affordable Care Act.

    Science.gov (United States)

    Hoerl, Maximiliane; Wuppermann, Amelie; Barcellos, Silvia H; Bauhoff, Sebastian; Winter, Joachim K; Carman, Katherine G

    2017-04-01

    The Affordable Care Act established policy mechanisms to increase health insurance coverage in the United States. While insurance coverage has increased, 10%-15% of the US population remains uninsured. To assess whether health insurance literacy and financial literacy predict being uninsured, covered by Medicaid, or covered by Marketplace insurance, holding demographic characteristics, attitudes toward risk, and political affiliation constant. Analysis of longitudinal data from fall 2013 and spring 2015 including financial and health insurance literacy and key covariates collected in 2013. A total of 2742 US residents ages 18-64, 525 uninsured in fall 2013, participating in the RAND American Life Panel, a nationally representative internet panel. Self-reported health insurance status and type as of spring 2015. Among the uninsured in 2013, higher financial and health insurance literacy were associated with greater probability of being insured in 2015. For a typical uninsured individual in 2013, the probability of being insured in 2015 was 8.3 percentage points higher with high compared with low financial literacy, and 9.2 percentage points higher with high compared with low health insurance literacy. For the general population, those with high financial and health insurance literacy were more likely to obtain insurance through Medicaid or the Marketplaces compared with being uninsured. The magnitude of coefficients for these predictors was similar to that of commonly used demographic covariates. A lack of understanding about health insurance concepts and financial illiteracy predict who remains uninsured. Outreach and consumer-education programs should consider these characteristics.

  7. How Has the Affordable Care Act Affected Health Insurers' Financial Performance?

    Science.gov (United States)

    Hall, Mark A; McCue, Michael J

    2016-07-01

    Starting in 2014, the Affordable Care Act transformed the market for individual health insurance by changing how insurance is sold and by subsidizing coverage for millions of new purchasers. Insurers, who had no previous experience under these market conditions, competed actively but faced uncertainty in how to price their products. This issue brief uses newly available data to understand how health insurers fared financially during the ACA's first year of full reforms. Overall, health insurers' financial performance began to show some strain in 2014, but the ACA's reinsurance program substantially buffered the negative effects for most insurers. Although a quarter of insurers did substantially worse than others, experience under the new market rules could improve the accuracy of pricing decisions in subsequent years.

  8. 12 CFR 347.206 - Domestic retail deposit activity requiring deposit insurance by U.S. branch of a foreign bank.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Domestic retail deposit activity requiring... Banks § 347.206 Domestic retail deposit activity requiring deposit insurance by U.S. branch of a foreign bank. (a) Domestic retail deposit activity. To initiate or conduct domestic retail deposit...

  9. Patient Protection and Affordable Care Act; health insurance market rules. Final rule.

    Science.gov (United States)

    2013-02-27

    This final rule implements provisions related to fair health insurance premiums, guaranteed availability, guaranteed renewability, single risk pools, and catastrophic plans, consistent with title I of the Patient Protection and Affordable Care Act, as amended by the Health Care and Education Reconciliation Act of 2010, referred to collectively as the Affordable Care Act. The final rule clarifies the approach used to enforce the applicable requirements of the Affordable Care Act with respect to health insurance issuers and group health plans that are non-federal governmental plans. This final rule also amends the standards for health insurance issuers and states regarding reporting, utilization, and collection of data under the federal rate review program, and revises the timeline for states to propose state-specific thresholds for review and approval by the Centers for Medicare & Medicaid Services (CMS).

  10. Financial Sector Assessment Program : Malaysia - Core Principles for Effective Deposit Insurance Systems

    OpenAIRE

    International Monetary Fund; World Bank

    2013-01-01

    This assessment of compliance with the Core Principles for Effective Deposit Insurance Systems (Core Principles) was conducted as a part of the Financial Sector Assessment Program (FSAP) performed by the International Monetary Fund and the World Bank at the request of the Malaysian government. This assessment was conducted by Claire McGuire, Senior Financial Sector Specialist with the Worl...

  11. The National Insurance Acts 1911-1947, the approved societies and the Prudential Assurance Company.

    Science.gov (United States)

    Heller, Michael

    2008-01-01

    The role of the British major life assurance companies in administering the National Insurance Acts in the guise of approved societies has long been controversial. The companies have been accused of profiteering rather than civic duty or social altruism. This article, using the Prudential Assurance Company as a case study, questions this argument. Life assurance companies such as the Prudential were fundamental to the operational running of national health insurance in the first half of the twentieth century due to their scale, scope and expertise. In addition, they were keen to extend the scope of national health insurance and campaigned to make the acts more comprehensive. Finally, while the companies certainly did see benefits in administering the acts, these were related more to corporate identity, branding and public relations than to direct pecuniary gain. An analysis of the inclusion of the life insurance companies in the administration of the National Health Insurance Acts is thus as important for an understanding of twentieth-century Britain as it is for the development of modern social welfare.

  12. The Health Insurance Gap After Implementation of the Affordable Care Act in Texas.

    Science.gov (United States)

    Gong, Gordon; Huey, Cassandra C; Johnson, Coleman; Curti, Debra; Philips, Billy U

    2017-03-01

    Households with incomes between 18% and 99% of the federal poverty level (FPL) are ineligible for Medicaid or enrollment in the health insurance exchange marketplace in Texas, resulting in the health insurance gap. We sought to determine the number of non-elderly adult Texans (NEATs) aged between 18 and 64 years in the insurance gap in rural vs urban areas in East Texas, West Texas, and South Texas. Data were obtained from the US Census Bureau website. In 2014, there were 1,101,000 NEATs in the insurance gap, accounting for 24.5% of all uninsured persons in Texas. The gap was significantly higher in rural vs urban areas in East and South Texas and in Texas as a whole. Large coverage gaps in states like Texas not expanding Medicaid under the Affordable Care Act pose major hurdles to reducing the number of uninsured individuals in these states.

  13. Comparing Individual Health Coverage On and Off the Affordable Care Act's Insurance Exchanges.

    Science.gov (United States)

    McCue, Michael J; Hall, Mark A

    2015-08-01

    The new health insurance exchanges are the core of the Affordable Care Act's (ACA) reforms, but how the law improves the nonsubsidized portion of the individual market is also important. This issue brief compares products sold on and off the exchanges to gain insight into how the ACA's market reforms are functioning. Initial concerns that insurers might seek to enroll lower-risk customers outside the exchanges have not been realized. Instead, more-generous benefit plans, which appeal to people with health problems, constitute a greater portion of plans sold off-exchange than those sold on-exchange. Although insur­ers that sell mostly on the exchanges incur an additional fee, they still devote a greater portion of their premium dollars to medical care. Their projected admin­istrative costs and profit margins are lower than are those of insurers selling only off the exchanges.

  14. 26 CFR 31.6001-2 - Additional records under Federal Insurance Contributions Act.

    Science.gov (United States)

    2010-04-01

    ... Insurance Contributions Act shall keep records of all remuneration, whether in cash or in a medium other... shall show with respect to each employee receiving such remuneration— (i) The name, address, and account... Administration. (ii) The total amount and date of each payment of remuneration (including any sum...

  15. 32 CFR 644.554 - Insurance against loss or damages to buildings and improvements by fire or acts of God.

    Science.gov (United States)

    2010-07-01

    ... 32 National Defense 4 2010-07-01 2010-07-01 true Insurance against loss or damages to buildings and improvements by fire or acts of God. 644.554 Section 644.554 National Defense Department of... Procedure § 644.554 Insurance against loss or damages to buildings and improvements by fire or acts of...

  16. Health Insurance Status and Eligibility Among Patients who Seek Healthcare at a Free Clinic in the Affordable Care Act Era.

    Science.gov (United States)

    Sessions, Kristen; Hassan, Amal; McLeod, Thomas G; Wieland, Mark L

    2017-08-22

    Free clinics provide care to over 1.8 million people in the United States every year and are a valuable safety net for uninsured and underinsured patients. The Affordable Care Act has resulted in millions of newly insured Americans, yet there is continued demand for healthcare at free clinics. In this study, we assessed health insurance status and eligibility among 489 patients who visited a free clinic in 2016. Eighty-seven percent of patients seen were uninsured, 53.1% of whom were eligible for health insurance (Medicaid or subsidized insurance premiums). The majority of these patients completed health insurance applications at their visit with the help of a navigator. A majority of patients who were not eligible for health insurance lacked citizenship status. This study highlights that a significant number of patients who visit free clinics are eligible for health insurance, and that free clinics are important sites for health insurance navigation programs.

  17. The Children's Health Insurance Program Reauthorization Act Evaluation Findings on Children's Health Insurance Coverage in an Evolving Health Care Landscape.

    Science.gov (United States)

    Harrington, Mary E

    2015-01-01

    The Children's Health Insurance Program (CHIP) Reauthorization Act (CHIPRA) reauthorized CHIP through federal fiscal year 2019 and, together with provisions in the Affordable Care Act, federal funding for the program was extended through federal fiscal year 2015. Congressional action is required or federal funding for the program will end in September 2015. This supplement to Academic Pediatrics is intended to inform discussions about CHIP's future. Most of the new research presented comes from a large evaluation of CHIP mandated by Congress in the CHIPRA. Since CHIP started in 1997, millions of lower-income children have secured health insurance coverage and needed care, reducing the financial burdens and stress on their families. States made substantial progress in simplifying enrollment and retention. When implemented optimally, Express Lane Eligibility has the potential to help cover more of the millions of eligible children who remain uninsured. Children move frequently between Medicaid and CHIP, and many experienced a gap in coverage with this transition. CHIP enrollees had good access to care. For nearly every health care access, use, care, and cost measure examined, CHIP enrollees fared better than uninsured children. Access in CHIP was similar to private coverage for most measures, but financial burdens were substantially lower and access to weekend and nighttime care was not as good. The Affordable Care Act coverage options have the potential to reduce uninsured rates among children, but complex transition issues must first be resolved to ensure families have access to affordable coverage, leading many stakeholders to recommend funding for CHIP be continued. Copyright © 2015 Academic Pediatric Association. All rights reserved.

  18. The Affordable Care Act and Health Insurance Exchanges: Advocacy Efforts for Children's Oral Health.

    Science.gov (United States)

    Orynich, C Ashley; Casamassimo, Paul S; Seale, N Sue; Litch, C Scott; Reggiardo, Paul

    2015-01-01

    To evaluate legislative differences in defining the Affordable Care Act's (ACA) pediatric dental benefit and the role of pediatric advocates across states with different health insurance Exchanges. Data were collected through public record investigation and confidential health policy expert interviews conducted at the state and federal level. Oral health policy change by the pediatric dental profession requires advocating for the mandatory purchase of coverage through the Exchange, tax subsidy contribution toward pediatric dental benefits, and consistent regulatory insurance standards for financial solvency, network adequacy and provider reimbursement. The pediatric dental profession is uniquely positioned to lead change in oral health policy amidst health care reform through strengthening state-level formalized networks with organized dentistry and commercial insurance carriers.

  19. Hospital Utilization and Universal Health Insurance Coverage: Evidence from the Massachusetts Health Care Reform Act.

    Science.gov (United States)

    Cseh, Attila; Koford, Brandon C; Phelps, Ryan T

    2015-12-01

    The Affordable Care Act is currently in the roll-out phase. To gauge the likely implications of the national policy we analyze how the Massachusetts Health Care Reform Act impacted various hospitalization outcomes in each of the 25 major diagnostic categories (MDC). We utilize a difference-in-difference approach to identify the impact of the Massachusetts reform on insurance coverage and patient outcomes. This identification is achieved using six years of data from the Nationwide Inpatient Sample from the Healthcare Cost and Utilization Project. We report MDC-specific estimates of the impact of the reform on insurance coverage and type as well as length of stay, number of diagnoses, and number of procedures. The requirement of universal insurance coverage increased the probability of being covered by insurance. This increase was in part a result of an increase in the probability of being covered by Medicaid. The percentage of admissions covered by private insurance fell. The number of diagnoses rose as a result of the law in the vast majority of diagnostic categories. Our results related to length of stay suggest that looking at aggregate results hides a wealth of information. The most disparate outcomes were pregnancy related. The length of stay for new-born babies and neonates rose dramatically. In aggregate, this increase serves to mute decreases across other diagnoses. Also, the number of procedures fell within the MDCs for pregnancy and child birth and that for new-born babies and neonates. The Massachusetts Health Care Reform appears to have been effective at increasing insurance take-up rates. These increases may have come at the cost of lower private insurance coverage. The number of diagnoses per admission was increased by the policy across nearly all MDCs. Understanding the changes in length of stay as a result of the Massachusetts reform, and perhaps the Affordable Care Act, requires MDC-specific analysis. It appears that the most important distinction

  20. Building public trust in uses of Health Insurance Portability and Accountability Act de-identified data

    OpenAIRE

    2013-01-01

    Objectives The aim of this paper is to summarize concerns with the de-identification standard and methodologies established under the Health Insurance Portability and Accountability Act (HIPAA) regulations, and report some potential policies to address those concerns that were discussed at a recent workshop attended by industry, consumer, academic and research stakeholders. Target audience The target audience includes researchers, industry stakeholders, policy makers and consumer advocates co...

  1. Gain in Insurance Coverage and Residual Uninsurance Under the Affordable Care Act: Texas, 2013-2016.

    Science.gov (United States)

    Pickett, Stephen; Marks, Elena; Ho, Vivian

    2017-01-01

    To examine the effects of the Affordable Care Act's (ACA's) Marketplace on Texas residents and determine which population subgroups benefited the most and which the least. We analyzed insurance coverage rates among nonelderly Texas adults using the Health Reform Monitoring Survey-Texas from September 2013, just before the first open enrollment period in the Marketplace, through March 2016. Texas has experienced a roughly 6-percentage-point increase in insurance coverage (from 74.7% to 80.6%; P = .012) after implementation of the major insurance provisions of the ACA. The 4 subgroups with the largest increases in adjusted insurance coverage between 2013 and 2016 were persons aged 50 to 64 years (12.1 percentage points; P = .002), Hispanics (10.9 percentage points; P = .002), persons reporting fair or poor health status (10.2 percentage points; P = .038), and those with a high school diploma as their highest educational attainment (9.2 percentage points; P = .023). Many population subgroups have benefited from the ACA's Marketplace, but approximately 3 million Texas residents still lack health coverage. Adopting the ACA's Medicaid expansion is a means to address the lack of coverage.

  2. Pre-Existing Condition Insurance Plans created by the Affordable Care Act of 2010.

    Science.gov (United States)

    Hall, Jean; Moore, Janice

    2010-10-01

    The Patient Protection and Affordable Care Act includes a provision for the establishment of a temporary high-risk pool, also called the Pre-Existing Condition Insurance Plan (PCIP), to quickly make health insurance available to uninsured individuals with preexisting conditions, many of whom previously had been denied coverage. Twenty-seven states elected to administer the PCIPs for their citizens, while the remaining states and the District of Columbia chose to let their PCIPs be federally administered. This issue brief examines eligibility, benefits, premiums, cost-sharing, and oversight of the PCIP programs, as well as variation of the plans from state to state. The PCIPs will run through December 31, 2013, at which time participants will be transitioned to exchange coverage.

  3. 20 CFR 703.306 - Kinds of negotiable securities that may be deposited; conditions of deposit; acceptance of deposits.

    Science.gov (United States)

    2010-04-01

    ... the Act in the amount fixed by the Office under the regulations in this part shall deposit any... deposited; conditions of deposit; acceptance of deposits. 703.306 Section 703.306 Employees' Benefits... negotiable securities that may be deposited; conditions of deposit; acceptance of deposits. A self-insurer or...

  4. Access of Patients With Lumbar Disc Herniations to Spine Surgeons: The Effect of Insurance Type Under the Affordable Care Act.

    Science.gov (United States)

    Anandasivam, Nidharshan S; Wiznia, Daniel H; Kim, Chang-Yeon; Save, Ameya V; Grauer, Jonathan N; Pelker, Richard R

    2017-08-01

    Prospective cohort study. To determine the effects of insurance type (Medicaid vs. a specific private insurance) on patient access to spine surgeons for lumbar disc herniation as measured by (A) acceptance of insurance, (B) need for a referral, and (C) wait time for appointment. Limited studies have been conducted to examine the issue of patient access to spine surgeons based on different insurance types (Medicaid vs. a specific private insurance), especially in relation to the Medicaid expansion that resulted from the Affordable Care Act. Appointment success rates, the need for a referral, and waiting periods were compared between Medicaid and a specific private insurance for patients needing an evaluation for a herniated lumbar disc. The waiting period was studied in the context of comparing states that have expanded Medicaid eligibility to ones that have not, and the surgical training of the spine surgeon (orthopaedic surgeons vs. neurosurgeons). Appointment success rate for patients seeking access to lumbar spine care was significantly higher for patients with BlueCross insurance (95.0%) versus patients with Medicaid insurance (0.8%) (P <0.001). The need for referrals was significantly higher for patients with Medicaid insurance (93.3%) versus patients with BlueCross insurance (4.2%) (P <0.001). Among BlueCross patients, wait times were longer in Medicaid-expanded states. However, the same trend was not seen among patients with Medicaid insurance. Patients with Medicaid were less successful at scheduling an appointment and faced more barriers to care, such as the need for a referral, compared with the private insurance studied. In the states with expanded Medicaid, wait times for appointments were longer for BlueCross patients, but were not longer for patients with Medicaid insurance. Overall, this study suggests that increased coverage resulting from Medicaid expansion does not necessarily equate to increased access to care. 2.

  5. Why employers will continue to provide health insurance: the impact of the Affordable Care Act.

    Science.gov (United States)

    Blumberg, Linda J; Buettgens, Matthew; Feder, Judith; Holahan, John

    2012-01-01

    The Congressional Budget Office, the Rand Corporation, and the Urban Institute have estimated that the Patient Protection and Affordable Care Act (ACA) will leave employer-sponsored coverage largely intact; in contrast, some economists and benefit consultants argue that the ACA encourages employers to drop coverage, thereby making both their workers and their firms better off (a "win-win" situation). This analysis shows that no such "win-win" situation exists and that employer-sponsored insurance will remain the primary source of coverage for most workers. Analysis of three issues-the terms of the ACA, worker characteristics, and the fundamental economics of competitive markets-supports this conclusion.

  6. Reform of the Individual Insurance Market in New Jersey: Lessons for the Affordable Care Act.

    Science.gov (United States)

    Cantor, Joel C; Monheit, Alan C

    2016-08-01

    The individual health insurance market has played a small but important role in providing coverage to those without access to group insurance or public programs. With implementation of the Affordable Care Act (ACA), the individual market has attained a more prominent role. However, achieving accessible and affordable coverage in this market is a long-standing challenge, in large part due to the threat of adverse risk selection. New Jersey pursued comprehensive reforms beginning in the 1990s to achieve a stable, accessible, and affordable individual market. We review how adverse risk selection can pose a challenge to achieving such objectives in the individual health insurance market. We follow this discussion by describing the experience of New Jersey through three rounds of legislative reform and through the first year of the implementation of the ACA coverage provisions. While the New Jersey reforms did not require individuals to purchase coverage, its experiences with direct and indirect market subsidies and regulations guiding plan design, issuance, and rating have important implications for how the ACA may achieve its coverage goals in the absence of the controversial individual purchase mandate.

  7. An early look at changes in employer-sponsored insurance under the Affordable Care Act.

    Science.gov (United States)

    Blavin, Fredric; Shartzer, Adele; Long, Sharon K; Holahan, John

    2015-01-01

    Critics frequently characterize the Affordable Care Act (ACA) as a threat to the survival of employer-sponsored insurance. The Medicaid expansion and Marketplace subsidies could adversely affect employers' incentives to offer health insurance and workers' incentives to take up such offers. This article takes advantage of timely data from the Health Reform Monitoring Survey for June 2013 through September 2014 to examine, from the perspective of workers, early changes in offer, take-up, and coverage rates for employer-sponsored insurance under the ACA. We found no evidence that any of these rates have declined under the ACA. They have, in fact, remained constant: around 82 percent, 86 percent, and 71 percent, respectively, for all workers and around 63 percent, 71 percent, and 45 percent, respectively, for low-income workers. To date, the ACA has had no effect on employer coverage. Economic incentives for workers to obtain coverage from employers remain strong.

  8. Insurance denials for cancer clinical trial participation after the Affordable Care Act mandate.

    Science.gov (United States)

    Mackay, Christine B; Antonelli, Kaitlyn R; Bruinooge, Suanna S; Saint Onge, Jarron M; Ellis, Shellie D

    2017-08-01

    The Affordable Care Act (ACA) includes a mandate requiring most private health insurers to cover routine patient care costs for cancer clinical trial participation; however, the impact of this provision on cancer centers' efforts to accrue patients to clinical trials has not been well described. First, members of cancer research centers and community-based institutions (n = 252) were surveyed to assess the status of insurance denials, and then, a focused survey (n = 77) collected denial details. Univariate and multivariate analyses were used to examine associations between the receipt of denials and site characteristics. Overall, 62.7% of the initial survey respondents reported at least 1 insurance denial during 2014. Sites using a precertification process were 3.04 times more likely to experience denials (95% confidence interval, 1.55-5.99; P ≤ .001), and similar rates of denials were reported from sites located in states with preexisting clinical trial coverage laws versus states without them (82.3% vs 85.1%; χ = 50.7; P ≤ .001). Among the focused survey sites, academic centers reported denials more often than community sites (71.4% vs 46.4%). The failure of plans to cover trial participation was cited as the most common reason provided for denials (n = 33 [80.5%]), with nearly 80% of sites (n = 61) not receiving a coverage response from the insurer within 72 hours. Despite the ACA's mandate for most insurers to cover routine care costs for cancer clinical trial participation, denials and delays continue. Denials may continue because some insurers remain exempt from the law, or they may signal an implementation failure. Delays in coverage may affect patient participation in trials. Additional efforts to eliminate this barrier will be needed to achieve federal initiatives to double the pace of cancer research over the next 5 years. Future work should assess the law's effectiveness at the patient level to inform these efforts

  9. Insurance Expansion and Hospital Emergency Department Access: Evidence From the Affordable Care Act.

    Science.gov (United States)

    Garthwaite, Craig; Gross, Tal; Notowidigdo, Matthew; Graves, John A

    2017-02-07

    Little is known about whether insurance expansion affects the location and type of emergency department (ED) use. Understanding these changes can inform state-level decisions about the Medicaid expansion under the Patient Protection and Affordable Care Act (ACA). To investigate the effect of the 2014 ACA Medicaid expansion on the location, insurance status, and type of ED visits. Quasi-experimental observational study from 2012 to 2014. 126 investor-owned, hospital-based EDs. Uninsured and Medicaid-insured adults aged 18 to 64 years. ACA expansion of Medicaid in January 2014. Number of ED visits overall, type of visit (for example, nondiscretionary or nonemergency), and average travel time to the ED. Interrupted time-series analyses comparing changes from the end of 2013 to end of 2014 for patients from Medicaid expansion versus nonexpansion states were done. There were 1.06 million ED visits among patients from 17 Medicaid expansion states, and 7.87 million ED visits among patients from 19 nonexpansion states. The EDs treating patients from Medicaid expansion states saw an overall 47.1% decrease in uninsured visits (95% CI, -65.0% to -29.3%) and a 125.7% (CI, 89.2% to 162.6%) increase in Medicaid visits after 12 months of ACA expansion. Average travel time for nondiscretionary conditions requiring immediate medical care decreased by 0.9 minutes (-6.2% [CI, -8.9% to -3.5%]) among all Medicaid patients from expansion states. We found little evidence of similar changes among patients from nonexpansion states. Results reflect shifts in ED care at investor-owned facilities, which limits generalizability to other hospital types. Meaningful changes in insurance status and location and type of ED visits in the first year of ACA Medicaid expansion were found, suggesting that expansion provides patients with a greater choice of hospital facilities. Robert Wood Johnson Foundation.

  10. The Affordable Care Act's pre-existing condition insurance plan: enrollment, costs, and lessons for reform.

    Science.gov (United States)

    Hall, Jean P; Moore, Janice M

    2012-09-01

    The Pre-Existing Condition Insurance Plan (PCIP) is the temporary, federal high-risk pool created under the Affordable Care Act to provide coverage to uninsured individuals with preexisting conditions until 2014, when exchange coverage becomes avail­able to them. Nearly 78,000 people have enrolled since the program was implemented two years ago. This issue brief compares the PCIP with state-based high-risk pools that existed prior to the Affordable Care Act and considers programmatic differences that may have resulted in lower-than-anticipated enrollment and higher-than-anticipated costs for the PCIP. PCIP coverage, like state high-risk pool coverage, likely remains unaffordable to most lower-income individuals with preexisting conditions, but provides much needed access to care for those able to afford it. Operational costs of these programs are also quite high, making them less than optimal as a means of broader coverage expansion.

  11. How the Affordable Care Act Has Helped Women Gain Insurance and Improved Their Ability to Get Health Care: Findings from the Commonwealth Fund Biennial Health Insurance Survey, 2016.

    Science.gov (United States)

    Gunja, Munira Z; Collins, Sara R; Doty, Michelle M; Beautel, Sophie

    2017-08-01

    ISSUE: Prior to the Affordable Care Act (ACA), one-third of women who tried to buy a health plan on their own were either turned down, charged a higher premium because of their health, or had specific health problems excluded from their plans. Beginning in 2010, ACA consumer protections, particularly coverage for preventive care screenings with no cost-sharing and a ban on plan benefit limits, improved the quality of health insurance for women. In 2014, the law’s major insurance reforms helped millions of women who did not have employer insurance to gain coverage through the ACA’s marketplaces or through Medicaid. GOALS: To examine the effects of ACA health reforms on women’s coverage and access to care. METHOD: Analysis of the Commonwealth Fund Biennial Health Insurance Surveys, 2001–2016. FINDINGS AND CONCLUSIONS: Women ages 19 to 64 who shopped for new coverage on their own found it significantly easier to find affordable plans in 2016 compared to 2010. The percentage of women who reported delaying or skipping needed care because of costs fell to an all-time low. Insured women were more likely than uninsured women to receive preventive screenings, including Pap tests and mammograms.

  12. The Chinese cornerstone of modern banking : the Canton guaranty system and the origins of bank deposit insurance 1780-1933

    NARCIS (Netherlands)

    Grant, Frederic Delano Jr

    2012-01-01

    This is a study of the Chinese idea that inspired the first bank deposit insurance statute, New York’s Safety Fund law of 1829. It examines the origins of financial collective responsibility in China through to its use by the Imperial Household Department in the management of businesses monopolized

  13. Early impact of the Patient Protection and Affordable Care Act on insurance among young adults with cancer: Analysis of the dependent insurance provision.

    Science.gov (United States)

    Parsons, Helen M; Schmidt, Susanne; Tenner, Laura L; Bang, Heejung; Keegan, Theresa H M

    2016-06-01

    The Patient Protection and Affordable Care Act (ACA) included provisions to extend dependent health care coverage up to the age of 26 years in 2010. The authors examined the early impact of the ACA (before the implementation of insurance exchanges in 2014) on insurance rates in young adults with cancer, a historically underinsured group. Using National Cancer Institute Surveillance, Epidemiology, and End Results data for 18 cancer registries, the authors examined insurance rates before (pre) (January 2007-September 2010) versus after (post) (October 2010-December 2012) dependent insurance provisions among young adults aged 18 to 29 years when diagnosed with cancer during 2007 through 2012. Using multivariate generalized mixed effect models, the authors conducted difference-in-differences analysis to examine changes in overall and Medicaid insurance after the ACA among young adults who were eligible (those aged 18-25 years) and ineligible (those aged 26-29 years) for policy changes. Among 39,632 young adult cancer survivors, the authors found an increase in overall insurance rates in those aged 18 to 25 years after the dependent provisions (83.5% for pre-ACA vs 85.4% for post-ACA; P<.01), but not among individuals aged 26 to 29 years (83.4% for pre-ACA vs 82.9% for post-ACA; P = .38). After adjusting for patient sociodemographics and cancer characteristics, the authors found that those aged 18 to 25 years had a 3.1% increase in being insured compared with individuals aged 26 to 29 years (P<.01); however, there were no significant changes noted in Medicaid enrollment (P = .17). The findings of the current study identify an increase in insurance rates for young adults aged 18 to 25 years compared with those aged 26 to 29 years (1.9% vs -0.5%) that was not due to increases in Medicaid enrollment, thereby demonstrating a positive impact of the ACA dependent care provisions on insurance rates in this population. Cancer 2016;122:1766-73. © 2016 American Cancer Society.

  14. Pricing the Cost of Deposit Insurance and Assessing Moral Hazard Effect: Evidence from Banking Sector in Sudan

    OpenAIRE

    Onour, Ibrahim

    2013-01-01

    The primary aim of this paper to evaluate the cost of deposit insurance premium and assess moral hazard effect in the banking sector in Sudan. The analysis of moral hazard in this paper is based on two types of risks, credit default risk, measured as the ratio of non-performing loans to the total size of loans for each bank, and operational risk measured as technical inefficiency. The findings of the research indicate there is a positive association between insurance coverage premium and inc...

  15. 26 CFR 31.6302(c)-1 - Use of Government depositories in connection with taxes under Federal Insurance Contributions Act...

    Science.gov (United States)

    2010-04-01

    ... with taxes under Federal Insurance Contributions Act and income tax withheld for amounts attributable... REVENUE SERVICE, DEPARTMENT OF THE TREASURY (CONTINUED) EMPLOYMENT TAXES AND COLLECTION OF INCOME TAX AT SOURCE EMPLOYMENT TAXES AND COLLECTION OF INCOME TAX AT SOURCE Administrative Provisions of Special...

  16. 77 FR 42754 - Mortgage and Loan Insurance Programs Under the National Housing Act-Debenture Interest Rates

    Science.gov (United States)

    2012-07-20

    ... adjusted to a constant maturity of 10 years. FOR FURTHER INFORMATION CONTACT: Yong Sun, Department of... issued pursuant to section 221(g)(4) of the Act) will bear interest at the rate in effect on the date the... interest rate will be the rate borne by debentures issued with respect to any insured loan or...

  17. 76 FR 47225 - Mortgage and Loan Insurance Programs Under the National Housing Act-Debenture Interest Rates

    Science.gov (United States)

    2011-08-04

    ... adjusted to a constant maturity of 10 years. FOR FURTHER INFORMATION CONTACT: Yong Sun, Department of... issued pursuant to section 221(g)(4) of the Act) will bear interest at the rate in effect on the date the... interest rate will be the rate borne by debentures issued with respect to any insured loan or...

  18. Insurer vs. Insurance Fraud: Characteristics and Detection

    OpenAIRE

    Jerry D. Todd; Sandra T. Welch; Orion J. Welch; Holmes, Sarah A

    1999-01-01

    Despite concern over insurance fraud by customers, the federal Insurance Fraud Prevention Act primarily targets internal fraud, or insurer fraud, in which criminal acts such as embezzlement could trigger an insurer’s insolvency, rather than fraud perpetrated by policyholders such as filing false or inflated claims—insurance fraud. This study investigates whether insurers’ weapons against insurance fraud are also used effectively to combat insurer fraud.

  19. Trends in insurance coverage and treatment among persons with opioid use disorders following the Affordable Care Act.

    Science.gov (United States)

    Feder, Kenneth A; Mojtabai, Ramin; Krawczyk, Noa; Young, Andrea S; Kealhofer, Marc; Tormohlen, Kayla N; Crum, Rosa M

    2017-08-09

    This short communication examines the impact of the Patient Protection and Affordable Care Act (PPACA) on insurance coverage and substance use treatment access among persons with opioid use disorders. Data came from the 2010-2015 National Surveys on Drug Use and Health. Among persons with heroin and opioid pain-reliever use disorders, measures of insurance coverage and treatment access were compared before and after the implementation of major PPACA provisions that expanded access to insurance in 2014. The prevalence of uninsured persons among those with heroin use disorders declined dramatically following PPACA implementation (OR 0.59, 95% CI 0.39-0.89), largely due to an increase in the prevalence of Medicaid coverage (OR 1.96, 95% CI 1.21-3.18). There was no evidence of an increase in the prevalence of treatment, but among persons who received treatment, there was an increase in the proportion whose treatment was paid for by insurance (OR 3.75, 95% CI 2.13-3.18). By contrast, there was no evidence the uninsured rate declined among persons with pain-reliever use disorders. The PPACA Medicaid expansion increased insurance coverage among persons with heroin use disorders, and likely plays an essential role in protecting the health and financial security of this high-risk group. More research is needed on the relationship between insurance acquisition and utilization of substance use treatment. Copyright © 2017 Elsevier B.V. All rights reserved.

  20. Early Impacts of the Affordable Care Act on Health Insurance Coverage in Medicaid Expansion and Non-Expansion States.

    Science.gov (United States)

    Courtemanche, Charles; Marton, James; Ukert, Benjamin; Yelowitz, Aaron; Zapata, Daniela

    2017-01-01

    The Affordable Care Act (ACA) aimed to achieve nearly universal health insurance coverage in the United States through a combination of insurance market reforms, mandates, subsidies, health insurance exchanges, and Medicaid expansions, most of which took effect in 2014. This paper estimates the causal effects of the ACA on health insurance coverage in 2014 using data from the American Community Survey. We utilize difference-in-difference-in-differences models that exploit cross-sectional variation in the intensity of treatment arising from state participation in the Medicaid expansion and local area pre-ACA uninsured rates. This strategy allows us to identify the effects of the ACA in both Medicaid expansion and non-expansion states. Our preferred specification suggests that, at the average pre-treatment uninsured rate, the full ACA increased the proportion of residents with insurance by 5.9 percentage points compared to 2.8 percentage points in states that did not expand Medicaid. Private insurance expansions from the ACA were due to increases in both employer-provided and non-group coverage. The coverage gains from the full ACA were largest for those without a college degree, non-whites, young adults, unmarried individuals, and those without children in the home. We find no evidence that the Medicaid expansion crowded out private coverage.

  1. Potential impact of Affordable Care Act-related insurance expansion on trauma care reimbursement.

    Science.gov (United States)

    Scott, John W; Neiman, Pooja U; Najjar, Peter A; Tsai, Thomas C; Scott, Kirstin W; Shrime, Mark G; Cutler, David M; Salim, Ali; Haider, Adil H

    2017-05-01

    Nearly one quarter of trauma patients are uninsured and hospitals recoup less than 20% of inpatient costs for their care. This study examines changes to hospital reimbursement for inpatient trauma care if the full coverage expansion provisions of the Affordable Care Act (ACA) were in effect. We abstracted nonelderly adults (ages 18-64 years) admitted for trauma from the Nationwide Inpatient Sample during 2010-the last year before most major ACA coverage expansion policies. We calculated national and facility-level reimbursements and trauma-related contribution margins using Nationwide Inpatient Sample-supplied cost-to-charge ratios and published reimbursement rates for each payer type. Using US census data, we developed a probabilistic microsimulation model to determine the proportion of pre-ACA uninsured trauma patients that would be expected to gain private insurance, Medicaid, or remain uninsured after full implementation of the ACA. We then estimated the impact of these coverage changes on national and facility-level trauma reimbursement for this population. There were 145,849 patients (representing 737,852 patients nationwide) included. National inpatient trauma costs for patients aged 18 years to 64 years totaled US $14.8 billion (95% confidence interval [CI], 12.5,17.1). Preexpansion reimbursements totaled US $13.7 billion (95% CI, 10.8-14.7), yielding a national margin of -7.9% (95% CI, -10.6 to -5.1). Postexpansion projected reimbursements totaled US $15.0 billion (95% CI, 12.7-17.3), increasing the margin by 9.3 absolute percentage points to +1.4% (95% CI, -0.3 to +3.2). Of the 263 eligible facilities, 90 (34.2%) had a positive trauma-related contribution margin in 2010, which increased to 171 (65.0%) using postexpansion projections. Those facilities with the highest proportion of uninsured and racial/ethnic minorities experienced the greatest gains. Health insurance coverage expansion for uninsured trauma patients has the potential to increase national

  2. Medicaid expansion under the Affordable Care Act. Implications for insurance-related disparities in pulmonary, critical care, and sleep.

    Science.gov (United States)

    Lyon, Sarah M; Douglas, Ivor S; Cooke, Colin R

    2014-05-01

    The Affordable Care Act was intended to address systematic health inequalities for millions of Americans who lacked health insurance. Expansion of Medicaid was a key component of the legislation, as it was expected to provide coverage to low-income individuals, a population at greater risk for disparities in access to the health care system and in health outcomes. Several studies suggest that expansion of Medicaid can reduce insurance-related disparities, creating optimism surrounding the potential impact of the Affordable Care Act on the health of the poor. However, several impediments to the implementation of Medicaid's expansion and inadequacies within the Medicaid program itself will lessen its initial impact. In particular, the Supreme Court's decision to void the Affordable Care Act's mandate requiring all states to accept the Medicaid expansion allowed half of the states to forego coverage expansion, leaving millions of low-income individuals without insurance. Moreover, relative to many private plans, Medicaid is an imperfect program suffering from lower reimbursement rates, fewer covered services, and incomplete acceptance by preventive and specialty care providers. These constraints will reduce the potential impact of the expansion for patients with respiratory and sleep conditions or critical illness. Despite its imperfections, the more than 10 million low-income individuals who gain insurance as a result of Medicaid expansion will likely have increased access to health care, reduced out-of-pocket health care spending, and ultimately improvements in their overall health.

  3. How the Affordable Care Act Has Improved Americans’ Ability to Buy Health Insurance on Their Own: Findings from the Commonwealth Fund Biennial Health Insurance Survey, 2016.

    Science.gov (United States)

    Collins, Sara R; Gunja, Munira Z; Doty, Michelle M; Beutel, Sophie

    2017-01-01

    Issue: Since 2001, long before the passage of the Affordable Care Act (ACA), the Commonwealth Fund Biennial Health Insurance Survey has examined health coverage and consumers’ experiences buying insurance and using health care. Goals: To examine long-term trends and to make comparisons before and after passage of health reform. Methods: Analysis of the Commonwealth Fund Biennial Health Insurance Survey, 2016. Findings and Conclusions: There have been dramatic improvements in people’s ability to buy health plans on their own following the passage of the ACA. For adults with family incomes less than $48,500, uninsured rates dropped about 17 percentage points below their 2010 peak. Lower-income whites, blacks, and Latinos have experienced drops this large, though Latinos are uninsured at higher rates. Among working-age adults who had shopped for plans in the individual market and ACA marketplaces over the prior three years, the percentage who reported it was very difficult to find affordable plans fell by nearly half from 2010, prior to the ACA reforms, to 2016. Coverage gains are helping working-age Americans get the care they need: the number of adults who reported problems getting needed health care and filling prescriptions because of costs fell from a high of 80 million in 2012 to an estimated 63 million in 2016.

  4. Employer Self-Insurance Decisions and the Implications of the Patient Protection and Affordable Care Act as Modified by the Health Care and Education Reconciliation Act of 2010 (ACA).

    Science.gov (United States)

    Eibner, Christine; Girosi, Federico; Miller, Amalia; Cordova, Amado; McGlynn, Elizabeth A; Pace, Nicholas M; Price, Carter C; Vardavas, Raffaele; Gresenz, Carole Roan

    2011-01-01

    The Patient Protection and Affordable Care Act as amended by the Health Care and Education Reconciliation Act of 2010 (ACA) changes the regulatory environment within which health insurance policies on the small-group market are bought and sold. New regulations include rate bands that limit premium price variation, risk-adjustment policies that will transfer funds from low-actuarial-risk to high-actuarial-risk plans, and requirements that plans include "essential health benefits." While the new regulations will be applied to all non-grandfathered fully insured policies purchased by businesses with 100 or fewer workers, self-insured plans are exempt from these regulations. As a result, some firms may have a stronger incentive to offer self-insured plans after the ACA takes full effect. In this article we identify factors that influence employers' decisions to self-insure and estimate how the ACA will influence self-insurance rates. We also consider the implications of higher self-insurance rates for adverse selection in the non-self-insured small-group market and whether enrollees in self-insured plans receive different benefits than enrollees in fully-insured plans. Results are based on data analysis, literature review, findings from discussions with stakeholders, and microsimulation analysis using the COMPARE model. Overall, we find little evidence that self-insured plans differ systematically from fully insured plans in terms of benefit generosity, price, or claims denial rates. Stakeholders expressed significant concern about adverse selection in the health insurance exchanges due to regulatory exemptions for self-insured plans. However, our microsimulation analysis predicts a sizable increase in self-insurance only if comprehensive stop-loss policies become widely available after the ACA takes full effect and the expected cost of self-insuring with stop-loss is comparable to the cost of being fully insured in a market without rating regulations.

  5. Contraception Insurance Coverage and Receipt of Long-Acting Reversible Contraception or Depot Medroxyprogesterone Acetate on the Day of Abortion.

    Science.gov (United States)

    Krashin, Jamie W; Stuart, Gretchen S; Garrett, Joanne; Spector, Hannah; Bryant, Amy G; Charm, Samantha; Morse, Jessica E

    2017-07-01

    To evaluate whether contraceptive insurance coverage for women who present for an abortion is associated with obtaining long-acting reversible contraception or depot medroxyprogesterone acetate (DMPA) on the day the abortion is completed. We conducted a prospective cohort study of women presenting for medical or surgical abortion at a single health center in North Carolina. Eligible women were 18 years or older and fluent in English or Spanish. Data were from participant questionnaires, medical charts, and financial records. Our main exposure was whether the woman had insurance coverage for contraception at clinic intake. Our primary outcome was receiving DMPA, an intrauterine device, or a contraceptive subdermal implant on the same day of their surgical abortion or at the visit that determined their medication abortion was complete. We used univariable, bivariable, and multivariable analysis to report our findings. Five hundred seventy-five women enrolled in our cohort between September 2015 and April 2016. One hundred twenty-eight (22%) had insurance coverage and 447 (78%) did not. In the group with insurance coverage for contraception, 38% (49/128) received a long-acting reversible contraception method or DMPA compared with 7% (33/447) in the group without insurance coverage for contraception. After adjusting for confounding, women with contraceptive coverage were more than five times as likely to receive immediate postabortion contraception with one of these methods compared with women without coverage (relative risk 5.6, 95% confidence interval 3.8-8.3). Women with contraceptive insurance coverage on the day of their abortion were more likely to leave the abortion clinic with an intrauterine device or implant in place or receive DMPA injection compared with women without coverage.

  6. Insurance coverage among women diagnosed with a gynecologic malignancy before and after implementation of the Affordable Care Act.

    Science.gov (United States)

    Moss, Haley A; Havrilesky, Laura J; Chino, Junzo

    2017-09-01

    The Patient Protection and Affordable Care Act (ACA) included provisions to expand insurance coverage by expanding Medicaid eligibility, providing subsidies of private coverage and enforcing an individual mandate. The objective of this study is to examine the impact of the ACA on insurance rates among women diagnosed with a gynecologic malignancy. Using Surveillance, Epidemiology, and End Results 18 registries database, women newly diagnosed with cervical, uterine or ovarian cancer between 2008 and 2014 were identified. Insurance rates were examined before and after the passage of the ACA (2011) as well as before (January 2011-December 2013) versus after (January 2014-December 2014) Medicaid expansion to examine the impact of specific provisions. Rates of insurance were then compared between states that elected for expansion of Medicaid in 2014 vs. those states that had not. Among 181,866 diagnosed with cervical, uterine or ovarian cancer, there was a significant increase in patients enrolled in Medicaid after 2011. Between 2011 and 2014, there was a significant decrease in the rates of uninsured for all cancer types (p=0.001). Uninsured rates decreased by 50% for those diagnosed with uterine and ovarian cancer (6% to 3% and 8% to 4% respectively, p≤0.001), and by 25% in cervical cancer (8.9% to 6.7%, p=0.001) after January 2014. Decreases in the rate of the uninsured and associated increases in insurance coverage were only observed in states which expanded Medicaid coverage (p≤0.001). The Affordable Care Act resulted in expanded insurance coverage for women diagnosed with a gynecologic cancer, however, the impact was significantly increased in states which increased their Medicaid eligibility in 2014. Copyright © 2017 Elsevier Inc. All rights reserved.

  7. AN IMPLICIT EFFECT OF THE HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT ON MEDICAL TOURISM IN INDIA

    Directory of Open Access Journals (Sweden)

    Saurabh Mishra

    2013-12-01

    Full Text Available In today’s world, the concept of implementing any standard is very much necessary for any nation to stand on a global level. Medical tourism is one of the most emerging industries in India. Many tourists from different nations travel across the world in order to reach India for medical facilities. There are several reasons for choosing this destination which includes reduced cost, lesser waiting time, well-trained Doctors and advanced technology as well. But at the same time, what hinders the growth of medical tourism in India is that the security measures in relation to data confidentiality and privacy is not up to the mark. There is a need for a specific and global standard so that the quality of service is improved which will also make the medical sector more reliable for the medical tourists here. U.S. is one of the major hosts in the field of medical tourism but the major problem is the high cost and long waiting queues. The major reason for choosing US as a place for availing medical services is the standard of services and a better level of data security. HIPAA (Health Insurance Portability and Accountability Act was enacted in 1996 in the U.S.in order to protect the health related information of the patients. If any standard of such a nature is implemented in India then it will be a boom to the medical tourism industry in India. This paper deals with the benefits of implementing HIPAA in India, taking in course the share of Medical Tourism in the GDP of the Nation.

  8. Health insurance, patient protection and Affordable Care Act, and young adults.

    Science.gov (United States)

    Dodich, Colleen; Patel, Dilip

    2013-12-01

    In summary, the ACA aims to correct some of the shortcomings of our current health insurance systems. It aims to make health insurance more affordable and more accessible and the health insurance systems easier to navigate. For the young adult population, it aims to protect more individuals by allowing them to stay on their parent's insurance longer and by making it easier to choose an insurance plan that is right for them. Those with preexisting medical conditions do not have to worry about being excluded from a health plan because of their medical history. The law is also making health insurance mandatory, which may help prevent young adults who fall ill from incurring large medical bills. Initial outcomes from the implementation of the ACA have shown both positive and negative responses. All in all, it is giving young adults more options when it comes to obtaining health insurance. As part of discussion with adolescents and young adults, physicians may take into consideration key points summarized in Table 4.

  9. Uninsured veterans who will need to obtain insurance coverage under the patient protection and affordable care act.

    Science.gov (United States)

    Tsai, Jack; Rosenheck, Robert

    2014-03-01

    We examined the number and clinical needs of uninsured veterans, including those who will be eligible for the Medicaid expansion and health insurance exchanges in 2014. We analyzed weighted data for 8710 veterans from the 2010 National Survey of Veterans, classifying it by veterans' age, income, household size, and insurance status. Of 22 million veterans, about 7%, or more than 1.5 million, were uninsured and will need to obtain coverage by enrolling in US Department of Veterans Affairs (VA) care or the Medicaid expansion or by participating in the health insurance exchanges. Of those uninsured, 55%, or more than 800 000, are likely eligible for the Medicaid expansion if states implement it. Compared with veterans with any health coverage, those who were uninsured were younger and more likely to be single, Black, and low income and to have been deployed to Iraq and Afghanistan. The Patient Protection and Affordable Care Act is likely to have a considerable impact on uninsured veterans, which may have implications for the VA, the Medicaid expansion, and the health insurance exchanges.

  10. Small employer perspectives on the Affordable Care Act's premiums, SHOP exchanges, and self-insurance

    National Research Council Canada - National Science Library

    Gabel, Jon R; Whitmore, Heidi; Pickreign, Jeremy; Satorius, Jennifer L; Stromberg, Sam

    2013-01-01

    Beginning January 1, 2014, small businesses having no more than fifty full-time-equivalent workers will be able to obtain health insurance for their employees through Small Business Health Options Program (SHOP...

  11. Gaps in health insurance: why so many Americans experience breaks in coverage and how the Affordable Care Act will help: findings from the Commonwealth Fund Health Insurance Tracking Survey of U.S. Adults, 2011.

    Science.gov (United States)

    Collins, Sara R; Robertson, Ruth; Garber, Tracy; Doty, Michelle M

    2012-04-01

    The Commonwealth Fund Health Insurance Tracking Survey of U.S. Adults finds that one-quarter of adults ages 19 to 64 experienced a gap in their health insurance in 2011, with a majority remaining uninsured for one year or more. Losing or changing jobs was the primary reason people experienced a gap. Compared with adults who had continuous coverage, those who experienced gaps were less likely to have a regular doctor and less likely to be up to date with recommended preventive care tests, with rates declining as the length of the coverage gap increases. Early provisions of the Affordable Care Act are already helping bridge gaps in coverage among young adults and people with preexisting conditions. Beginning in 2014, new affordable health insurance options through Medicaid and state insurance exchanges will enable adults and their families to remain insured even in the face of job changes and other life disruptions.

  12. Patient Protection and Affordable Care Act; exchange and insurance market standards for 2015 and beyond. Final rule.

    Science.gov (United States)

    2014-05-27

    This final rule addresses various requirements applicable to health insurance issuers, Affordable Insurance Exchanges (``Exchanges''), Navigators, non-Navigator assistance personnel, and other entities under the Patient Protection and Affordable Care Act and the Health Care and Education Reconciliation Act of 2010 (collectively referred to as the Affordable Care Act). Specifically, the rule establishes standards related to product discontinuation and renewal, quality reporting, non-discrimination standards, minimum certification standards and responsibilities of qualified health plan (QHP) issuers, the Small Business Health Options Program, and enforcement remedies in Federally-facilitated Exchanges. It also finalizes: A modification of HHS's allocation of reinsurance collections if those collections do not meet our projections; certain changes to allowable administrative expenses in the risk corridors calculation; modifications to the way we calculate the annual limit on cost sharing so that we round this parameter down to the nearest $50 increment; an approach to index the required contribution used to determine eligibility for an exemption from the shared responsibility payment under section 5000A of the Internal Revenue Code; grounds for imposing civil money penalties on persons who provide false or fraudulent information to the Exchange and on persons who improperly use or disclose information; updated standards for the consumer assistance programs; standards related to the opt-out provisions for self-funded, non-Federal governmental plans and related to the individual market provisions under the Health Insurance Portability and Accountability Act of 1996 including excepted benefits; standards regarding how enrollees may request access to non-formulary drugs under exigent circumstances; amendments to Exchange appeals standards and coverage enrollment and termination standards; and time-limited adjustments to the standards relating to the medical loss ratio

  13. Access to health insurance and the use of inpatient medical care: evidence from the Affordable Care Act young adult mandate.

    Science.gov (United States)

    Akosa Antwi, Yaa; Moriya, Asako S; Simon, Kosali I

    2015-01-01

    The Affordable Care Act of 2010 expanded coverage to young adults by allowing them to remain on their parent's private health insurance until they turn 26 years old. While there is evidence on insurance effects, we know very little about use of general or specific forms of medical care. We study the implications of the expansion on inpatient hospitalizations. Given the prevalence of mental health needs for young adults, we also specifically study mental health related inpatient care. We find evidence that compared to those aged 27-29 years, treated young adults aged 19-25 years increased their inpatient visits by 3.5 percent while mental illness visits increased 9.0 percent. The prevalence of uninsurance among hospitalized young adults decreased by 12.5 percent; however, it does not appear that the intensity of inpatient treatment changed despite the change in reimbursement composition of patients.

  14. Insurance Coverage and Health Outcomes in Young Adults With Mental Illness Following the Affordable Care Act Dependent Coverage Expansion.

    Science.gov (United States)

    Kozloff, Nicole; Sommers, Benjamin D

    2017-07-01

    As a provision of the Affordable Care Act, young adults were able to remain on their parents' health insurance plans until age 26. We examined the impact of the 2010 dependent coverage expansion on insurance coverage and health outcomes among young adults with mental illness. Data are from the 2008-2013 National Survey on Drug Use and Health, an annual population-based survey of noninstitutionalized US individuals aged 12 and older. We used a difference-in-differences approach to compare young adults with mental illness subject to the provision (aged 19-25 years, n = 19,051) with an older comparison group (aged 26-34 years, n = 7,958) before (2008-2009) and after (2011-2013) the dependent coverage expansion in their insurance coverage, use of health services, and self-reported health. In adjusted analyses, following the dependent coverage expansion, private insurance coverage increased by 11.7 percentage points (95% CI, 8.4-15.1, P health treatment at least monthly on average (+2.0% [95% CI, 0.1% to 4.0%, P = .04]) and a modest decrease in those reporting their overall health as fair or poor (-2.3% [95% CI, -4.6% to -0.0%, P = .05]). Unmet mental health needs due to cost decreased significantly among those with moderate-to-serious mental illness (-12.3% [95% CI, -22.7% to -2.0%, P = .02]), but did not change among those with mild illness. The 2010 dependent coverage expansion was associated with an increase in insurance coverage, several indicators of mental health treatment, and improved self-reported health among young adults with mental illness.

  15. The Research and Development of the External Magnetic Field Acting on Electro-Deposition Process

    OpenAIRE

    Wu Menghua; Jia Weiping

    2016-01-01

    The research and development status of the electro-deposition technology under the action of external magnetic field are introduced. The basic characteristics and applied manners of external magnetic field in electro-deposition process are summarized. The acting principle of external magnetic field, the effects of magnetic hydrodynamics (MHD) caused by the Lorentz force, and the acting of magnetic force on the metal ions and particles are described. The main actions of external magnetic field...

  16. 12 CFR 360.9 - Large-bank deposit insurance determination modernization.

    Science.gov (United States)

    2010-01-01

    ... market discipline, ensure equitable treatment of depositors at different institutions and reduce the FDIC... section for a covered institution that: Has a composite rating of 3, 4, or 5 under the Uniform Financial... operations of a large insured depository institution (defined as a “Covered Institution”) to...

  17. The Optimal Capital Structure of Banks: Balancing Deposit Insurance, Capital Requirements and Tax-Advantaged Debt

    OpenAIRE

    John P. Harding; Xiaozhing Liang; Stephen L. Ross

    2007-01-01

    The capital structure and regulation of financial intermediaries is an important topic for practitioners, regulators and academic researchers. In general, theory predicts that firms choose their capital structures by balancing the benefits of debt (e.g., tax and agency benefits) against its costs (e.g., bankruptcy costs). However, when traditional corporate finance models have been applied to insured financial institutions, the results have generally predicted corner solutions (all equity or ...

  18. The Affordable Care Act, Insurance Coverage, and Health Care Utilization of Previously Incarcerated Young Men: 2008-2015.

    Science.gov (United States)

    Winkelman, Tyler N A; Choi, HwaJung; Davis, Matthew M

    2017-05-01

    To estimate health insurance and health care utilization patterns among previously incarcerated men following implementation of the Affordable Care Act's (ACA's) Medicaid expansion and Marketplace plans in 2014. We performed serial cross-sectional analyses using data from the National Survey of Family Growth between 2008 and 2015. Our sample included men aged 18 to 44 years with (n = 3476) and without (n = 8702) a history of incarceration. Uninsurance declined significantly among previously incarcerated men after ACA implementation (-5.9 percentage points; 95% confidence interval [CI] = -11.5, -0.4), primarily because of an increase in private insurance (6.8 percentage points; 95% CI = 0.1, 13.3). Previously incarcerated men accounted for a large proportion of the remaining uninsured (38.6%) in 2014 to 2015. Following ACA implementation, previously incarcerated men continued to be significantly less likely to report a regular source of primary care and more likely to report emergency department use than were never-incarcerated peers. Health insurance coverage improved among previously incarcerated men following ACA implementation. However, these men account for a substantial proportion of the remaining uninsured. Previously incarcerated men continue to lack primary care and frequently utilize acute care services.

  19. The Affordable Care Act's plan for consumer assistance with insurance moves states forward but remains a work in progress.

    Science.gov (United States)

    Grob, Rachel; Schlesinger, Mark; Davis, Sarah; Cohen, Deborah; Lapps, Joshua

    2013-02-01

    The Affordable Care Act provides support for state-run consumer assistance programs to help privately insured consumers who experience problems with their coverage. Its provisions signify the first national commitment to such assistance and to using cases aggregated by these state programs to inform policy. We interviewed state-level administrators and analyzed program documents to assess whether federal support for state-run consumer assistance programs achieved certain goals. We found that some federally supported programs made substantial progress in supporting and empowering patients by reorienting state agencies to become active advocates for their citizens. Yet progress across the country was inconsistent, and there was little evidence that programs addressed systemic problems experienced by consumers. On balance, the consumer assistance provisions of health care reform do not yet ensure protection for all privately insured Americans because of uneven implementation-a problem likely to be of further concern as coverage is expanded and health insurance exchanges come on line in 2014. At the same time, the demonstrated impact of consumer assistance programs in the most innovative states is arguably a useful "proof of concept" for this young federal program.

  20. Insurance Enrollment at a Student-Run Free Clinic After the Patient Protection and Affordable Care Act.

    Science.gov (United States)

    McGeehan, Megan; DeMaria, Rebecca; Charney, Pamela; Batavia, Ashita S

    2017-08-01

    The Patient Protection and Affordable Care Act (ACA) aims to increase insurance coverage through government subsidies. Medical student-run free clinics (SRFC) are an important entry point into the healthcare system for the uninsured. SRFCs do not have a standardized approach for navigating the complexities of enrollment. The Weill Cornell Community Clinic (WCCC) developed a unique enrollment model that may inform other SRFCs. Our objective is to describe enrollment processes at SRFCs throughout New York City, and to evaluate enrollment outcomes and persistent barriers to coverage at WCCC. We surveyed SRFC leadership throughout NYC to understand enrollment processes. We evaluated enrollment outcomes at WCCC through chart review and structured phone interviews. Subjects included WCCC patients seen in clinic between October 1, 2013 and September 30, 2015 (N = 140). Demographic information, method of insurance enrollment, and qualitative description of enrollment barriers were collected. SRFCs in New York City have diverse enrollment processes. 48% (N = 42) of WCCC patients obtained health insurance. Immigration status was a barrier to coverage in 21% of patients. Failure to gain coverage was predicted by larger household size (p = 0.02). Gender and employment status were not associated with remaining uninsured. The main barriers to enrollment were inability to afford premiums and lack of interest. Insurance enrollment processes at SRFCs in New York City are mostly ad hoc and outcomes are rarely tracked. Following implementation of the ACA, WCCC stands out for its structured approach, with approximately half of eligible WCCC patients gaining coverage during the study period.

  1. Are Americans finding affordable coverage in the health insurance marketplaces? Results from the Commonwealth Fund Affordable Care Act Tracking Survey.

    Science.gov (United States)

    Rasmussen, Petra W; Collins, Sara R; Doty, Michelle M; Beutel, Sophie

    2014-09-01

    By the end of the first open enrollment period for coverage offered through the Affordable Care Act's marketplaces, increasing numbers of people said they found it easy to find a plan they could afford, according to The Commonwealth Fund's Affordable Care Act Tracking Survey, April-June 2014. Adults with low or moderate incomes were more likely to say it was easy to find an affordable plan than were adults with higher incomes. Adults with low or moderate incomes who purchased a plan through the marketplaces this year have similar premium costs and deductibles as adults in the same income ranges with employer-provided coverage. A majority of adults with marketplace coverage gave high ratings to their insurance and were confident in their ability to afford the care they need when sick.

  2. 76 FR 78126 - Disclosure Requirements for Depository Institutions Lacking Federal Deposit Insurance (Regulation I)

    Science.gov (United States)

    2011-12-16

    ... INFORMATION CONTACT: Krista Ayoub or Jane Gao, Office of Regulations, at (202) 435-7700. SUPPLEMENTARY... accepts deposits or opens accounts (excluding automated teller machines or point of sale terminals), and...

  3. Patient turnover and nursing employment in Massachusetts hospitals before and after health insurance reform: implications for the Patient Protection and Affordable Care Act.

    Science.gov (United States)

    Shindul-Rothschild, Judith; Gregas, Matt

    2013-01-01

    The Affordable Care Act is modeled after Massachusetts insurance reforms enacted in 2006. A linear mixed effect model examined trends in patient turnover and nurse employment in Massachusetts, New York, and California nonfederal hospitals from 2000 to 2011. The linear mixed effect analysis found that the rate of increase in hospital admissions was significantly higher in Massachusetts hospitals (phospital admissions. The implications of the findings for nurse employment and hospital utilization following the implementation of national health insurance reform are discussed.

  4. 78 FR 13405 - Patient Protection and Affordable Care Act; Health Insurance Market Rules; Rate Review

    Science.gov (United States)

    2013-02-27

    ... opposite sex and same sex domestic partners; biological, adoptive, step, foster, and grandchildren (if... XXVII of the PHS Act. Section 1321(d) of the Affordable Care Act applies the same preemption principle... approach, the issuer would charge the same per- member premium for all family members of the same age...

  5. Effect of the Affordable Care Act's young adult insurance expansions on hospital-based mental health care.

    Science.gov (United States)

    Golberstein, Ezra; Busch, Susan H; Zaha, Rebecca; Greenfield, Shelly F; Beardslee, William R; Meara, Ellen

    2015-02-01

    Insurance coverage for young adults has increased since 2010, when the Affordable Care Act (ACA) required insurers to permit children to remain on parental policies until age 26 as dependents. This study estimated the association between the dependent coverage provision and changes in young adults' use of hospital-based services for substance use disorders and non-substance use psychiatric disorders. The authors conducted a quasi-experimental comparison of a national sample of non-childbirth-related inpatient admissions to general hospitals (a total of 2,670,463 admissions, 430,583 of which had primary psychiatric diagnoses) and California emergency department visits with psychiatric diagnoses (N=11,139,689), using data spanning 2005 to 2011. Analyses compared young adults who were targeted by the ACA dependent coverage provision (19- to 25-year-olds) and those who were not (26- to 29-year-olds), estimating changes in utilization before and after implementation of the dependent coverage provision. Primary outcome measures included quarterly inpatient admissions for primary diagnoses of any psychiatric disorder per 1,000 population; emergency department visits with any psychiatric diagnosis per 1,000 population; and payer source. Dependent coverage expansion was associated with 0.14 more inpatient admissions for psychiatric diagnoses per 1,000 for 19- to 25-year-olds (targeted by the ACA) than for 26- to 29-year-olds (not targeted by the ACA). The coverage expansion was associated with 0.45 fewer psychiatric emergency department visits per 1,000 in California. The probability that inpatient admissions nationally and emergency department visits in California were uninsured decreased significantly. ACA dependent coverage provisions produced modest increases in general hospital psychiatric inpatient admissions and higher rates of insurance coverage for young adults nationally. Lower rates of emergency department visits were observed in California.

  6. The Research and Development of the External Magnetic Field Acting on Electro-Deposition Process

    Directory of Open Access Journals (Sweden)

    Wu Menghua

    2016-01-01

    Full Text Available The research and development status of the electro-deposition technology under the action of external magnetic field are introduced. The basic characteristics and applied manners of external magnetic field in electro-deposition process are summarized. The acting principle of external magnetic field, the effects of magnetic hydrodynamics (MHD caused by the Lorentz force, and the acting of magnetic force on the metal ions and particles are described. The main actions of external magnetic field include MHD effect, magnetizing force, affecting the physical and chemical properties of the bath, affecting the disperse ability and coverage capacity of bath, affecting the mass transfer process of electro-deposition, affecting the chemical reaction process and current distribution of electrode surface. Some examples of electro-depositing single metal coatings, alloy coatings and composite coatings under action of magnetic field are explained. During the electro-depositing process, the external magnetic field has different degrees of impact on solution properties, mass transfer, charge transfer, content of composited nanoparticles, crystal growth and crystal orientation etc. The specific impact of magnetic field during the electro-depositing is also classified and summarized. The problems that existed in electro-deposition process while applying magnetic field and the next development trend were summarized.

  7. The effects of the Health Insurance Portability and Accountability Act privacy rule on influenza research using geographical information systems

    Directory of Open Access Journals (Sweden)

    Norisse Tellman

    2010-11-01

    Full Text Available The Health Insurance Portability and Accountability Act (HIPAA privacy rule was enacted to protect patients’ personal health information from undue disclosure. Despite its intention to protect patients, recent reports suggest that HIPAA restrictions may be negatively impacting health research. Quantitative, visual geographical and statistical analysis of zip code geographical information systems (GIS mapping, comparing 3-digit HIPAA-compliant and 5-digit HIPAA-non-compliant simulated data, was chosen to identify and describe the type of distortion that may result. It was found that unmitigated HIPAA compliance with HIPAA mapping rules distorted the GIS zip code data by 28% leading to erroneous results. Thus, compliance with HIPAA privacy rule when mapping may lead investigators to publish erroneous GIS maps.

  8. Sharing clinical research data in the United States under the Health Insurance Portability and Accountability Act and the Privacy Rule.

    Science.gov (United States)

    Miller, James D

    2010-11-19

    Sharing of final research data from clinical research is an essential part of the scientific method. The U.S. National Institutes of Health require some grant applications to include plans for sharing final research data, which it defines as the factual materials necessary to document, support, and validate research findings. In the U.S., however, the Privacy Rule adopted under the Health Insurance Portability and Accountability Act impedes the sharing of final research data. In most situations, final research data may be shared only where all information that could possibly be used to identify the subject has been deleted, or where the subject has given authorization for specific research, or an Institutional Review Board has granted a waiver.

  9. Sharing clinical research data in the United States under the health insurance portability and accountability act and the privacy rule

    Directory of Open Access Journals (Sweden)

    Miller James D

    2010-11-01

    Full Text Available Abstract Sharing of final research data from clinical research is an essential part of the scientific method. The U.S. National Institutes of Health require some grant applications to include plans for sharing final research data, which it defines as the factual materials necessary to document, support, and validate research findings. In the U.S., however, the Privacy Rule adopted under the Health Insurance Portability and Accountability Act impedes the sharing of final research data. In most situations, final research data may be shared only where all information that could possibly be used to identify the subject has been deleted, or where the subject has given authorization for specific research, or an Institutional Review Board has granted a waiver.

  10. The Influence of Medical Insurance on Patient Access to Orthopaedic Surgery Sports Medicine Appointments Under the Affordable Care Act.

    Science.gov (United States)

    Wiznia, Daniel H; Nwachuku, Emmanuel; Roth, Alexander; Kim, Chang-Yeon; Save, Ameya; Anandasivam, Nidharshan S; Medvecky, Michael; Pelker, Richard

    2017-07-01

    The goal of the Patient Protection and Affordable Care Act (PPACA) was to expand patient access to health care. Since the rollout of the PPACA, Medicaid patients have demonstrated difficulty obtaining appointments in some specialty care settings. To assess the effect of insurance type (Medicaid and private) on patient access to orthopaedic surgery sports medicine specialists for a semiurgent evaluation of a likely operative bucket-handle meniscus tear. The study was designed to determine whether disparities in access exist since the PPACA rollout. Cohort study; Level of evidence, 2. The design was to call 180 orthopaedic surgery sports medicine specialists in 6 representative states (California, Ohio, New York, Florida, Texas, and North Carolina) between June 2015 and December 2015. An appointment was requested for the caller's fictitious 25-year-old-brother who had suffered a bucket-handle meniscus tear. Each office was called twice to assess the ease of obtaining an appointment: once for patients with Medicaid and once for patients with private insurance. For each call, data pertaining to whether an appointment was given, wait times, and barriers to receiving an appointment were recorded. A total of 177 surgeons were called within the study period. Overall, 27.1% of offices scheduled an appointment for a patient with Medicaid, compared with 91.2% (P < .0001) for a patient with private insurance. Medicaid patients were significantly more likely to be denied an appointment due to lack of referral compared with private patients (40.2% vs 3.7%, P < .0001), and Medicaid patients were more likely to experience longer wait times for an appointment (15 vs 12 days, P < .029). No significant differences were found in patients' access to orthopaedic surgery sports medicine specialists between Medicaid-expanded and -nonexpanded states. Medicaid reimbursement for knee arthroscopy with meniscus repair was not significantly correlated with appointment success rate or patient

  11. Keeping up with the Cadillacs: What Health Insurance Disparities, Moral Hazard, and the Cadillac Tax Mean to The Patient Protection and Affordable Care Act.

    Science.gov (United States)

    Fletcher, Rebecca Adkins

    2016-03-01

    A major goal of The Patient Protection and Affordable Care Act is to broaden health care access through the extension of insurance coverage. However, little attention has been given to growing disparities in access to health care among the insured, as trends to reduce benefits and increase cost sharing (deductibles, co-pays) reduce affordability and access. Through a political economic perspective that critiques moral hazard, this article draws from ethnographic research with the United Steelworkers (USW) at a steel mill and the Retail, Wholesale and Department Store Union (RWDSU) at a food-processing plant in urban Central Appalachia. In so doing, this article describes difficulties of health care affordability on the eve of reform for differentially insured working families with employer-sponsored health insurance. Additionally, this article argues that the proposed Cadillac tax on high-cost health plans will increase problems with appropriate health care access and medical financial burden for many families.

  12. Young, uninsured, and in debt: why young adults lack health insurance and how the Affordable Care Act is helping: findings from the Commonwealth Fund Health Insurance Tracking Survey of Young Adults, 2011.

    Science.gov (United States)

    Collins, Sara R; Robertson, Ruth; Garber, Tracy; Doty, Michelle M

    2012-06-01

    The Commonwealth Fund Health Insurance Tracking Survey of Young Adults finds that between November 2010 and November 2011, an estimated 13.7 million young adults ages 19-25 stayed on or joined their parents' health plans, including 6.6 million who likely would not have been able to do so prior to the passage of the Affordable Care Act. The findings of the survey underscore the need for policymakers to implement the remaining coverage expansions in the law. Nearly two of five young adults ages 19-29 were without health insurance for all or part of 2011, with young adults in low- and moderate-income households the most at risk. The lack of insurance had significant health and financial implications for young adults: 60 percent said they did not get needed health care because of cost and half reported problems paying medical bills or said they were paying off medical debt over time.

  13. Health care fraud and abuse: new weapons, new penalties, and new fears for providers created by the Health Insurance Portability and Accountability Act of 1996 ("HIPAA").

    Science.gov (United States)

    Faddick, C M

    1997-01-01

    The Health Insurance Portability and Accountability Act of 1996 may well be the most significant increase ever in the federal government's health care fraud and abuse enforcement authority. This new authority coupled with increased scrutiny of the health care industry generally creates a compelling incentive for health care facilities to develop corporate compliance programs.

  14. Several Reflections on Constructing Deposit Insurance System in China%在我国建立存款保险制度的几点思考

    Institute of Scientific and Technical Information of China (English)

    乙萍

    2012-01-01

    本文认为:公平统一的市场机制要求和存款保险制度的规模效应决定了我国应当选择直接建立全国统一存款保险制度。存款保险制度设计要充分考虑中国银行业的实际,在对银行存款全面保护的同时,存款保险制度的职能定位、组织形式、保护程度以及资金运作和费率调整等重要方面应当坚持普遍非全额、基于风险且市场化运作的基本要求。%The paper thinks that fair and uniform market mechanism requirement and scale effect of deposit insurance system de- cides that directly constructing a uniform deposit insurance system is a better choice. When designing the deposit insurance system, consideration should be taken to the situation of China's banking industry. Besides protecting all banks' deposit, the function position- ing, organization form, protection extent, capital operation as well as rate adjustment should adhere to the basic requirement of general non-complete, basing on risks and market operation,

  15. Implications of the Patient Protection and Affordable Care Act on Insurance Coverage and Rehabilitation Use Among Young Adult Trauma Patients.

    Science.gov (United States)

    Zogg, Cheryl K; Payró Chew, Fernando; Scott, John W; Wolf, Lindsey L; Tsai, Thomas C; Najjar, Peter; Olufajo, Olubode A; Schneider, Eric B; Haut, Elliott R; Haider, Adil H; Canner, Joseph K

    2016-12-21

    Trauma is the leading cause of death and disability among young adults, who are also among the most likely to be uninsured. Efforts to increase insurance coverage, including passage of the Patient Protection and Affordable Care Act (ACA), were intended to improve access to care and promote improvements in outcomes. However, despite reported gains in coverage, the ACA's success in promoting use of high-quality care and enacting changes in clinical end points remains unclear. To assess for observed changes in insurance coverage and rehabilitation use among young adult trauma patients associated with the ACA, including the Dependent Coverage Provision (DCP) and Medicaid expansion/open enrollment, and to consider possible insurance and rehabilitation differences between DCP-eligible vs -ineligible patients and among stratified demographic and community subgroups. A longitudinal assessment of DCP implementation and Medicaid expansion/open enrollment using risk-adjusted before-and-after, difference-in-difference, and interrupted time-series analyses was conducted. Eleven years (January 1, 2005, to September 31, 2015) of Maryland Health Services Cost Review Commission data, representing complete patient records from all payers within the state, were used to identify all hospitalized young adult (aged 18-34 years) trauma patients in Maryland during the study period. Of the 69 507 hospitalized patients included, 50 548 (72.7%) were male, and the mean (SD) age was 25 (5) years. Before implementation of the DCP, 1 of 4 patients was uninsured. After ACA implementation, the number fell to less than 1 of 10, with similar patterns emerging in emergency department and outpatient settings. The change was primarily driven by Medicaid expansion/open enrollment, which corresponded to a 20.1 percentage-point increase in Medicaid (95% CI, 18.9-21.3) and an 18.2 percentage-point decrease in uninsured (95% CI, -19.3 to -17.2). No changes were detected among privately insured patients

  16. FDIC Summary of Deposits (SOD) Download File

    Data.gov (United States)

    Federal Deposit Insurance Corporation — The FDIC's Summary of Deposits (SOD) download file contains deposit data for branches and offices of all FDIC-insured institutions. The Federal Deposit Insurance...

  17. Covering young adults under the Affordable Care Act: the importance of outreach and Medicaid expansion: findings from the Commonwealth Fund Health Insurance Tracking Survey of Young Adults, 2013.

    Science.gov (United States)

    Collins, Sara R; Rasmussen, Petra W; Garber, Tracy; Doty, Michelle M

    2013-08-01

    There is concern that many young adults (ages 19--29) will remain without health insurance in 2014 despite the Affordable Care Act's reforms, including subsidized private coverage offered in new state marketplaces and expanded Medicaid eligibility. How things turn out will likely depend on outreach efforts and states' decisions on expanding Medicaid. Commonwealth Fund Health Insurance Tracking Survey data from 2011 and 2013 show increasing awareness among young adults of the 2010 requirement that health plans cover children under age 26. Of the estimated 15 million young adults enrolled in a parent's plan in the prior 12 months, 7.8 million would not likely have been eligible to enroll prior to the law. Still, only 27 percent of 19-to-29-year-olds are aware of the marketplaces. Meanwhile, most uninsured young adults living below poverty will not have access to subsidized public or private insurance in states opting out of the Medicaid expansion.

  18. Health Insurance Portability and Accountability Act (HIPAA) Privacy Rule and the National Instant Criminal Background Check System (NICS). Final rule.

    Science.gov (United States)

    2016-01-01

    The Department of Health and Human Services (HHS or "the Department'') is issuing this final rule to modify the Health Insurance Portability and Accountability Act of 1996 (HIPAA) Privacy Rule to expressly permit certain HIPAA covered entities to disclose to the National Instant Criminal Background Check System (NICS) the identities of individuals who are subject to a Federal "mental health prohibitor'' that disqualifies them from shipping, transporting, possessing, or receiving a firearm. The NICS is a national system maintained by the Federal Bureau of Investigation (FBI) to conduct background checks on persons who may be disqualified from receiving firearms based on Federally prohibited categories or State law. Among the persons subject to the Federal mental health prohibitor established under the Gun Control Act of 1968 and implementing regulations issued by the Department of Justice (DOJ) are individuals who have been involuntarily committed to a mental institution; found incompetent to stand trial or not guilty by reason of insanity; or otherwise have been determined by a court, board, commission, or other lawful authority to be a danger to themselves or others or to lack the mental capacity to contract or manage their own affairs, as a result of marked subnormal intelligence or mental illness, incompetency, condition, or disease. Under this final rule, only covered entities with lawful authority to make the adjudications or commitment decisions that make individuals subject to the Federal mental health prohibitor, or that serve as repositories of information for NICS reporting purposes, are permitted to disclose the information needed for these purposes. The disclosure is restricted to limited demographic and certain other information needed for NICS purposes. The rule specifically prohibits the disclosure of diagnostic or clinical information, from medical records or other sources, and any mental health information beyond the indication that the individual

  19. 78 FR 66661 - Restrictions on Sales of Assets of a Covered Financial Company by the Federal Deposit Insurance...

    Science.gov (United States)

    2013-11-06

    ... (13 CFR 121.201), a ``small entity'' includes those firms in the ``Finance and Insurance'' sector... certification form does not require the use of professional skills or the preparation of special reports...

  20. 75 FR 38526 - Office of Consumer Information and Insurance Oversight: Privacy Act of 1974; Report of a New...

    Science.gov (United States)

    2010-07-02

    ... have provided background information about the modified system in the ``Supplementary Information... Information Security Management Act of 2002; the Computer Fraud and Abuse Act of 1986; the E-Government Act of...; the Federal Information Security Management Act of 2002; the Computer Fraud and Abuse Act of 1986; the...

  1. 24 CFR 242.39 - Insurance endorsement.

    Science.gov (United States)

    2010-04-01

    ... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES MORTGAGE INSURANCE FOR HOSPITALS Endorsement for Insurance § 242.39 Insurance endorsement. Initial... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance endorsement. 242.39...

  2. Research on Commercial Bank’s Deposit Insurance System in China%我国商业银行存款保险制度问题研究

    Institute of Scientific and Technical Information of China (English)

    杨珅

    2014-01-01

    This paper mainly elaborates the development process of China’s deposit insurance system and believes that it is necessary to construct the deposit insurance system of commercial banks in China for the promotion of interest rate liberalization. It is helpful to make clear the legal status of commercial banks in the market economy, put constraints on the economic behavior of commercial banks, give play to the fundamental function of market in allocating capital, and safeguard the financial interests of depositors and maintain the stability of financial system.%本文着重阐述了我国保险存款制度的发展历程,认为我国构建商业银行存款保险制度是推进利率市场化的必要条件,有助于明确商业银行在市场经济中的法人地位、约束商业银行的经济行为、发挥市场在资金配置方面的基础性作用,以及维护储户的金融利益和金融系统的整体稳定。

  3. Establishment of Deposit Insurance of Chinese Commercial Banks%我国商业银行存款保险制度的构建

    Institute of Scientific and Technical Information of China (English)

    余力; 王韵荃

    2014-01-01

    存款保险制度作为金融安全网中重要的一环,能够有效保护存款人利益,防范单个银行风险,从而避免造成整个银行业的恐慌。通过对我国商业银行的风险进行实证分析,发现我国银行业的风险在隐性担保的逐渐削弱和利率市场化不断推进下逐渐增大。从商业银行风险防范的角度看来,其目前最重要的风险防范手段---隐性担保使得商业银行存在不良贷款率较高、资源配置效率低下等很多弊端,同时存款保险制度建立的时机已经成熟,最后从强制性保险、差额保险费率、合理赔付限额三个方面着手逐步建立我国的存款保险制度。%As an important part of financial safety network ,the proper application of deposit insurance system (DIS) can protect the benefit of depositors ,stop single financial crisis from spreading around and causing panic . Based on the analysis of risks in commercial banks ,we can see that risks are increasing gradually .So ,in the per-spective of risk prevention ,we know that there exist many weaknesses (higher non-performing loan ,inefficient distribution of resource) of the implicit deposit insurance and it is the right time to establish DIS .Then ,the estab-lishment of DIS can be implemented by three steps :mandatory insurance ,different insurance charge ;and proper loss ration .

  4. Women at risk: why increasing numbers of women are failing to get the health care they need and how the Affordable Care Act will help. Findings from the Commonwealth Fund Biennial Health Insurance Survey of 2010.

    Science.gov (United States)

    Robertson, Ruth; Collins, Sara R

    2011-05-01

    Women have greater health care needs than men, and generally play larger roles in the health care of family members. Rising health care costs combined with sluggish income growth has contributed to losses in health insurance among women and rising rates of problems gaining necessary health care and paying medical bills. Women who seek coverage in the individual insurance market face additional hurdles--few plans offer maternity coverage and, in most states, insurance carriers charge higher premium rates to young women than men of the same age. The Affordable Care Act is bringing change for women through required free coverage of preventive care services, small business tax credits, new affordable coverage options, and insurance market reforms, including bans on gender rating. When the law is fully implemented in 2014, nearly all the 27 million working-age women who went without health insurance in 2010 will gain affordable and comprehensive benefits.

  5. 75 FR 15777 - Common Crop Insurance Regulations, Basic Provisions; and Various Crop Insurance Provisions

    Science.gov (United States)

    2010-03-30

    ... Provisions, Small Grains Crop Insurance Provisions, Cotton Crop Insurance Provisions, Sunflower Seed Crop... previous rules implementing the Food, Conservation, and Energy Act of 2008 (2008 Farm Bill). DATES..., Cotton Crop Insurance Provisions, Sunflower Seed Crop Insurance Provisions, Coarse Grains Crop Insurance...

  6. Deposit Insurance Pricing Model with Capital Extension under Regulatory Forbearance%监管宽容下资本展期的存款保险定价模型

    Institute of Scientific and Technical Information of China (English)

    孙晓琳; 秦学志; 陈田

    2011-01-01

    The deposit insurance system can release the risk of running on a deposit institution.Therefore it protects depositor' s benefit.The characteristics of deposit insurance contract with regulatory forbearance are as follows :if the deposit institution insured is incapable of paying deposit off on due time, it will not be settled immediately during the range of regulatory forbearance, but will be subsidized by deposit insurance agency.In order to determine deposit insurance fees accurately, on the foundation of the regulatory forbearance, this article introduces capital extension, i.e.deposit institution subsidized will operate further until capital extension ends.However , if the deposit institution is still insolvency with its assets again on the capital extension end, then it will be liquidated.Based on the above hypothesis, this article constructs a deposit insurance pricing model with capital extension under regulatory forbearance incorporating the subsidy into insurance fees as deposit institution' s contingent obligation.It depicts the correspondence between deposit insurance price and regulatory forbearance and capital extension through rigorous mathematical derivation.The conclusion indicats that the more of regulatory forbearance and the longer of capital extension, the higher is the price of deposit insurance.At last, an empirical analysis is presented with the model constructed in this article.%存款保险制度可化解存款机构挤兑风险,从而保护了存款人利益.监管宽容的存款保险合约具有下列特征:在监管宽容范围内,若投保的存款机构在存款到期时无力偿还存款债务,并不立即对其破产清算,而允许其接受存款保险公司一定额度资金的救助.为准确厘定存款保险费率水平,本文在监管宽容假设上,进一步引入资本展期因素,即接受救助的存款机构继续运营至资本展期结束;若在资本展期期末仍然资不抵债则再对其破产清算.基于上述

  7. Deposit Insurance Pricing Method Considering Bankruptcy Externalities%考虑银行破产外部效应的存款保险定价模型

    Institute of Scientific and Technical Information of China (English)

    吕筱宁; 秦学志

    2014-01-01

    运用存款保险的期望损失定价方法和Shapley值法,建立了考虑银行违约/破产外部效应的存款保险定价模型。模型中度量的破产成本不仅考虑了银行破产清算过程中其自身资产价值的损失,还考虑了银行违约/破产的负外部效应---可能增加其他银行的破产损失,据此确定的存款保险保费反映了各银行对系统总破产成本的边际贡献。为验证模型效果,构造了三种情景进行模拟分析,结果表明:存款保险保费与银行系统对破产银行资产的收购能力负相关,且负相关程度随经济形势的恶化而加剧;保费与整个银行系统参保银行数目之间也呈负相关关系。%It is generally considered that the overall costs of bank failures are higher than those in other indus-tries.This is due to the existence of negative externalities of bank failures , which may lead to additional loss of the default banks ’ assets .This paper establishes a pricing model of deposit insurance with consideration of bank -ruptcy externalities .It is taken into account that each default bank ’ s bankruptcy cost involves not only its assets loss caused by liquidation but also the externalities that may increase other banks ’ bankruptcy cost .Expected loss pricing method is used to calculate the net premium of deposit insurance while the additional premium is de -termined utilizing Shapley value .The total premium accordingly reflects each bank ’ s marginal contribution to the total bankruptcy cost of the whole banking system .Three scenarios are constructed to test the model .The results show that it is negatively correlated between the premium and the banking system ’ s acquisition ability of the bankruptcy assets , and this correlation becomes more significant when the economic situation deteriorates .Mean-while, the number of insured banks in the banking system impacts the premium negatively .

  8. 12 CFR 360.8 - Method for determining deposit and other liability account balances at a failed insured...

    Science.gov (United States)

    2010-01-01

    ..., the depository institution's normal posting procedures. (2) In its role as receiver of a failed... assets under the FDI Act (12 U.S.C. 1821(d)(11)) as of the FDIC Cutoff Point, the FDIC will use its best... may make in its role as receiver of the failed depository institution. (3) In determining Close-of...

  9. 77 FR 75521 - Community Reinvestment Act Regulations

    Science.gov (United States)

    2012-12-21

    ... CFR Part 228 FEDERAL DEPOSIT INSURANCE CORPORATION 12 CFR Part 345 RIN 3064-AD90 Community... agencies) are amending their Community Reinvestment Act (CRA) regulations to adjust the asset-size..., 2013. FOR FURTHER INFORMATION CONTACT: OCC: Margaret Hesse, Special Counsel, Community and Consumer...

  10. 78 FR 79283 - Community Reinvestment Act Regulations

    Science.gov (United States)

    2013-12-30

    ... 7100-AE07 FEDERAL DEPOSIT INSURANCE CORPORATION 12 CFR Part 345 RIN 3064-AD90 Community Reinvestment... Agencies) are amending their Community Reinvestment Act (CRA) regulations to adjust the asset-size..., 2014. FOR FURTHER INFORMATION CONTACT: OCC: Margaret Hesse, Senior Counsel, Community and Consumer...

  11. 77 FR 74847 - Modifications to Statement of Policy for Section 19 of the Federal Deposit Insurance Act

    Science.gov (United States)

    2012-12-18

    ..., currently, the de minimis exception requires that no jail time was served as part of the sentencing or..., or any adjudgment as a ``juvenile delinquent'' by any court having jurisdiction over minors...

  12. 存款保险费率的敏感性分析及实证检验%The Sensitivity Analysis 0f Deposit Insurance and Its Empirical Test

    Institute of Scientific and Technical Information of China (English)

    陈磊

    2011-01-01

    The capital adequacy rate, deposit insurance are main measures of preserving banking system stability in developed country.In generally, the higher capital adequacy rate a bank owns, the lower deposit insurance premium one needs to pay.In order to reduce the cost of bank, none banks want to pay a higher premium.In this paper, according to the model of pricing deposit insurance base on option theory, we deduced the sensitive coefficient of deposit insurance premium on capital adequacy rate, and calculated the marginal insurance prenium on capital adequacy rate.After reviewing the empirical result, we drew an conclusion of my research.%资本充足率、存款保险费率是发达国家普遍采用的维持银行稳定的基本措施,一般来说资本充足率越高,则所需的存款保险费率越低,银行为减小成本,都希望在合理控制风险的前提下减少所缴纳的存款保险.本文使用根据期权思想建立的存款保险定价模型,推导了存款保险费率对资本充足率的敏感性系数;其次根据中国上市银行的数据进行测算,分别计算了14家银行每增加一个单位的资本充足率可降低存款保险费率的数额,并对实证的结果进行比较;最后给出相关结论.

  13. 信息披露、存款保险制度与银行系统性风险%Information Disclosure,Deposit Insurance System and Systemic Risks of Banks

    Institute of Scientific and Technical Information of China (English)

    朱波; 杨文华; 卢露

    2016-01-01

    Based on an incomplete information dynamic game model,this paper theo-retically analyzes the effects of information disclosure and deposit insurance system on sys-temic risks,and then makes an empirical test by using a panel data of 137 listed commer-cial banks in 24 countries from 2006 to 2014.It arrives at the following conclusions:first-ly,the increase in information disclosure degree in banks helps to reduce financing costs and deposit insurance premiums,leads to the decrease in the correlation between assets of banks,and thereby reduces the systemic risks;secondly,financial stability effects of de-posit insurance are not obvious,and the increase in information disclosure degree effective-ly relieves the moral hazard of deposit insurance system;there is synergistic effect between information disclosure degree and deposit insurance system in the aspect of the reduction in systemic risks.A design of reasonable deposit insurance system,experienced supervision authorities and strict supervision system help to play the restriction role of the market, impose restrictions on the moral hazard of deposit insurance,and thereby maintain the sta-bility of financial system.Therefore,under the background of formal implementation of deposit insurance system,supervision authorities should strengthen information disclosure of banks and optimize the design of deposit insurance to better guard against systemic risks of financial system in China.%文章基于不完全信息动态博弈模型,对信息披露、存款保险制度与系统性风险之间的作用机制进行了理论分析,并使用2006-2014年24个国家137家上市商业银行的面板数据进行了实证考察。研究发现,提高银行的信息披露程度,有助于降低融资成本和存款保险缴费费率,引导其减小银行间资产的相关性,从而降低系统性风险;存款保险的金融稳定效应不明显,提高信息披露程度有效缓解了存款保险制度的道德风险

  14. Pre-Existing Condition Insurance Plan Data

    Data.gov (United States)

    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...

  15. The Empirical Research into the Effect of Deposit Insurance System on Commercial Banks′Moral Hazard%存款保险制度对商业银行道德风险影响的实证研究

    Institute of Scientific and Technical Information of China (English)

    王晓博; 刘伟; 辛飞飞

    2015-01-01

    利用中国内地与香港在应对外部冲击时所表现出的较强的同步性,在一个自然实验的框架下,选取2002年至2013年中国内地和香港主要商业银行的数据作为样本,将2006年香港存款保险制度的实施作为外生变量,根据委托-代理理论,运用双重差分模型分别从信贷行为、资产结构和自有资本3个方面实证检验建立存款保险制度对商业银行道德风险的影响。研究结果表明,存款保险制度并不会引发商业银行的过度信贷,甚至能够在一定程度上抑制商业银行的过度信贷行为,且这种抑制作用对小银行更加明显;没有显著的证据表明存款保险制度会激励商业银行持有高风险资产组合;存款保险制度会促使商业银行减持资本缓冲。在当前的银行监管体制下,存款保险制度对商业银行道德风险的影响已由过去的资产业务转向负债业务,并进一步提出采取风险最小化型的职能定位以及加快向风险为本适度灵活的监管体系转变等政策建议,研究结果对于中国明确存款保险制度对商业银行道德风险影响的具体形式、制定更具针对性的风险控制策略具有十分重要的现实意义。%How the deposit insurance system impacts commercial banks′moral hazard is an important research topic.Especially in 2015, China′s launching deposit insurance system further enhances the importance and urgency in relation to this study. Scholars worldwide have also done quite a few theoretical and empirical studies on the effect of deposit insurance system on banks′moral hazard, and yet its applicability to China is limited because of the particularity of the banking system in our coun-try.Thus, there exists a necessity to explore how to configure deposit insurance system to control banks′moral hazard. To compensate this deficiency, in the framework of a natural experiment, this paper, first takes financial

  16. Long-acting bronchodilator use after hospitalization for COPD: an observational study of health insurance claims data

    Directory of Open Access Journals (Sweden)

    Baker CL

    2014-05-01

    Full Text Available Christine L Baker,1 Kelly H Zou,1 Jun Su21Pfizer Inc., New York, NY, USA; 2Boehringer-Ingelheim Pharmaceuticals Inc., Ridgefield, CT, USABackground: Treatment of stable chronic obstructive pulmonary disease (COPD with long-acting bronchodilator (LABD medications is recommended by the 2014 Global initiative for chronic Obstructive Lung Disease (GOLD guidelines. The primary objective of this study was to examine LABD prescription fills after a COPD-related hospitalization.Methods: This retrospective observational study used claims from Truven Health MarketScan® Commercial and Medicare Supplemental databases. Patients (age ≥40, commercial; age ≥65, Medicare supplemental had a first hospitalization with a primary COPD diagnosis between April 1, 2009 and June 30, 2011 (index hospitalization and were continuously enrolled for 1 year before and 9 months after hospitalization. Patients were categorized according to pre-index and/or post-index pharmacy claims.Results: A total of 27,738 patients had an index hospitalization and met inclusion/exclusion criteria. Of those, 19,783 patients had COPD as a primary or secondary diagnosis during the year before index hospitalization and were included in the analysis. Approximately one quarter of the patients (26.32% did not fill a prescription for an LABD or short-acting bronchodilator both 90 days before and 90 days after hospitalization. During the 90-day pre-index period, 40.57% of patients filled an LABD (with or without a short-acting bronchodilator prescription. Over half of the patients (56.88% filled an LABD prescription at some point during the 180-day post-index period, but, of those, a significantly greater proportion of patients filled an LABD prescription in the 1- to 90-day post-index period than in the 91- to 180-day post-index period (51.27% versus 43.66%; P<0.0001.Conclusion: A significant proportion of COPD patients in this study did not fill an LABD prescription before hospitalization for

  17. 76 FR 70510 - Federal Employees' Group Life Insurance Program: New Federal Employees' Group Life Insurance...

    Science.gov (United States)

    2011-11-14

    ... MANAGEMENT Federal Employees' Group Life Insurance Program: New Federal Employees' Group Life Insurance... Management (OPM) is announcing changes in premiums for certain Federal ] Employees' Group Life Insurance... coincided with the implementation of the Federal Employees' Life Insurance Improvement Act, Public Law...

  18. Tuberculosis Elimination Efforts in the United States in the Era of Insurance Expansion and the Affordable Care Act.

    Science.gov (United States)

    Balaban, Victor; Marks, Suzanne M; Etkind, Sue C; Katz, Dolly J; Higashi, Julie; Flood, Jennifer; Cronin, Ann; Ho, Christine S; Khan, Awal; Chorba, Terence

    2015-01-01

    The Patient Protection and Affordable Care Act can enhance ongoing efforts to control tuberculosis (TB) in the United States by bringing millions of currently uninsured Americans into the health-care system. However, much of the legislative and financial framework that provides essential public health services necessary for effective TB control is outside the scope of the law. We identified three key issues that will still need to be addressed after full implementation of the Affordable Care Act: (1) essential TB-related public health functions will still be needed and will remain the responsibility of federal, state, and local health departments; (2) testing and treatment for latent TB infection (LTBI) is not covered explicitly as a recommended preventive service without cost sharing or copayment; and (3) remaining uninsured populations will disproportionately include groups at high risk for TB. To improve and continue TB control efforts, it is important that all populations at risk be tested and treated for LTBI and TB; that testing and treatment services be accessible and affordable; that essential federal, state, and local public health functions be maintained; that private-sector medical/public health linkages for diagnosis and treatment be developed; and that health-care providers be trained in conducting appropriate LTBI and TB clinical care.

  19. 韩国存款保险制度发展的经验及启示%The Development Experience of Korean Deposit Insurance System and its Revelation

    Institute of Scientific and Technical Information of China (English)

    吴越

    2013-01-01

      韩国存款保险制度既融汇了美国等国家先进的制度理念,又积累了危机的实践经验,已经处于世界先进水平。本文通过对韩国存款保险制度建立的背景、发展历程和设计特征进行研究和探讨,为我国存款保险制度的建立提供参考。%Korean deposit insurance system, drawing lessons from the concept of many countries including the United States, and accumulating the practical experience of the crisis, is considered to be the frontiers in the world. This paper reviews the background, development process and design characteristics of it, aiming to provide reference of the establishment of Chinese deposit insurance system.

  20. Health Insurance

    Science.gov (United States)

    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 ...

  1. Probabilistic Insurance

    NARCIS (Netherlands)

    Wakker, P.P.; Thaler, R.H.; Tversky, A.

    1997-01-01

    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

  2. Probabilistic Insurance

    NARCIS (Netherlands)

    P.P. Wakker (Peter); R.H. Thaler (Richard); A. Tversky (Amos)

    1997-01-01

    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

  3. Probabilistic Insurance

    NARCIS (Netherlands)

    P.P. Wakker (Peter); R.H. Thaler (Richard); A. Tversky (Amos)

    1997-01-01

    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 pref

  4. The effect of health insurance on workers' compensation filing: Evidence from the affordable care act's age-based threshold for dependent coverage.

    Science.gov (United States)

    Dillender, Marcus

    2015-09-01

    This paper identifies the effect of health insurance on workers' compensation (WC) filing for young adults by implementing a regression discontinuity design using WC medical claims data from Texas. The results suggest health insurance factors into the decision to have WC pay for discretionary care. The implied instrumental variables estimates suggest a ten-percentage-point decrease in health insurance coverage increases WC bills by 15.3 percent. Despite the large impact of health insurance on the number of WC bills, the additional cost to WC at age 26 appears to be small as most of the increase comes from small bills. Copyright © 2015 Elsevier B.V. All rights reserved.

  5. 75 FR 65805 - Transfer and Reorganization of Bank Secrecy Act Regulations

    Science.gov (United States)

    2010-10-26

    ... association or corporation acting under the provisions of section 25(a) of the Act of Dec. 23, 1913, as added... identification number (e.g., social security or employer identification number) or, if none, alien identification... Currency; (3) The Board of Directors of the Federal Deposit Insurance Corporation; (4) The Office of Thrift...

  6. 存款保险制度对银行风险承担影响的实证研究%Study on the Deposit Insurance System's Impact on Bank Risk-taking

    Institute of Scientific and Technical Information of China (English)

    张晶蕾; 孙英隽

    2016-01-01

    存款保险制度已存在80余年,世界各国的存款保险制度设计各有不同,一定程度上都对其银行的风险承担产生影响.通过对71个国家的存款保险特征进行研究,分析保险覆盖范围、保费定价方式、政府保护程度等特征对银行风险承担的影响,从各国经验数据研究中发现,可保存款包括同业拆借存款、赔付限额计算方式、是否为共同保险对银行风险承担行为有显著影响;政府保护程度、可保存款(包括外币存款)、政府对存款保险基金注资对市场约束有显著影响;考虑存款保险制度与市场约束交互作用的情况下,采用风险调整制定存款保险费率的方式能显著降低银行不良贷款率.合理的存款保险制度设计可以提高金融体系的安全而不过度弱化市场约束,市场约束能以提高银行风险成本的市场化方式,达到限制银行风险承担行为的目的.%Deposit insurance exists for more than 80 years, there are differences in deposit insurance designing across the countries and they impact on banks' risk taking behavior. Study on the characteristics of 71 deposit insurance system, such as Insurance coverage、Premium pricing、Government protection, they influence market discipline and banks' risk taking behavior. From the empirical analysis, we find that interbank deposits、compensation calculation、common insurance have a significant influence on bank risk-taking behavior; and government protection、foreign currency deposits、deposit insurance fund capital injection of government has significant influence on market discipline; deposit insurance interact market discipline with the combined effect, risk adjusting Premium can significantly reduce Banks non-performing loan ratio. Reasonable deposit insurance system design can improve the security of the financial system without excessive weakening market constraints, market discipline in a way of improving the bank's risk cost by

  7. 78 FR 56583 - Deposit Insurance Regulations; Definition of Insured Deposit

    Science.gov (United States)

    2013-09-13

    ... branches in foreign countries, often to provide banking, foreign currency and payment services to... if it cannot do so because of ``war, insurrection, or civil strife'' or actions taken by the foreign...

  8. 75 FR 45563 - Terrorism Risk Insurance Program; Final Netting

    Science.gov (United States)

    2010-08-03

    ... 31 CFR Part 50 RIN 1505-AC24 Terrorism Risk Insurance Program; Final Netting AGENCY: Departmental... (``Treasury'') is issuing this proposed rule as part of its implementation of Title I of the Terrorism Risk Insurance Act of 2002 (``TRIA'' or ``the Act''), as amended by the Terrorism Risk Insurance Extension Act of...

  9. The economics of health insurance.

    Science.gov (United States)

    Jha, Saurabh; Baker, Tom

    2012-12-01

    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.

  10. 12 CFR 326.8 - Bank Secrecy Act compliance.

    Science.gov (United States)

    2010-01-01

    ... system of internal controls to assure ongoing compliance; (2) Provide for independent testing for... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Bank Secrecy Act compliance. 326.8 Section 326.8 Banks and Banking FEDERAL DEPOSIT INSURANCE CORPORATION REGULATIONS AND STATEMENTS OF...

  11. The Multiplication Effect of Legal Insurance

    NARCIS (Netherlands)

    J. De Mot (Jef); B. Depoorter (Ben); M.G. Faure (Michael)

    2016-01-01

    textabstractBecause legal insurance policies cover the expenses of plaintiffs in bringing legal claims, such policies increase the risk of negligent or careless acts by tortfeasors. For this reason, potential tortfeasors would prefer to avoid injuring holders of legal insurance policies. Since insur

  12. Probabilistic insurance

    OpenAIRE

    Wakker, P. P.; Thaler, R.H.; Tversky, A.

    1997-01-01

    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...

  13. A review of the literature: differences in outcomes for uninsured versus insured critically ill patients: opportunities and challenges for critical care nurses as the Patient Protection and Affordable Care Act begins open enrollment for all Americans.

    Science.gov (United States)

    Dillman, Jedd; Mancas, Bianca; Jacoby, Mandi; Ruth-Sahd, Lisa

    2014-01-01

    The US health care system stands alone in its uniqueness compared with other industrialized nations. Unlike other developed nations, the United States does not provide universal health care coverage to its citizens. America relies primarily on private health insurance, allowing for protection against the high cost of illness. Because of the economic recession, many Americans cannot afford to pay for private health insurance. Contemporary nursing research is reviewing the question "Is there is a difference in patient outcomes for the critically ill depending upon whether or not they have private health insurance?" By using the Johns Hopkins Nursing Evidence-Based Practice Model (Johns Hopkins Nursing Evidenced-Based Practice Model and Guidelines. 2nd ed. Indianapolis, IN: Sigma Theta Tau International; 2012), 6 articles (level III and IV) were reviewed and summarized. After reviewing all the evidence, it is apparent that there are poorer patient outcomes, more specifically death in the critically ill patient population, if the patient does not have private health insurance. Current recommendations from these studies support the Patient Protection and Affordable Care Act (http://www.ehealthinsurance.com), which will take effect in 2014 and will enable uninsured individuals to have access to medical insurance. This provision can also improve preventative care and overall patient outcomes. This article has implications for the critical care nurse in the following ways: First, it will help the nurse to interpret the implications of the Patient Protection and Affordable Care Act and how it will impact critical care practice; second, it validates the challenges that uninsured patients present to acute health care facilities as they come with more complications and consequently are at greater risk for complications; third, it magnifies that the critical care nurse may see millions of new patients; and fourth, it demonstrates for the critical care nurse how to use the Johns

  14. 78 FR 54371 - Open Meeting of the Federal Advisory Committee on Insurance

    Science.gov (United States)

    2013-09-03

    ... Committee on Insurance will discuss perspectives on the Terrorism Risk Insurance Act of 2002,\\1\\ regulatory... Insurance Extension Act of 2005, P.L. 109-144, 119 Stat. 2660 and the Terrorism Risk Insurance Program... Open Meeting of the Federal Advisory Committee on Insurance AGENCY: Departmental Offices,...

  15. Forest insurance

    Science.gov (United States)

    Ellis T. Williams

    1949-01-01

    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...

  16. 26 CFR 1.821-3 - Tax on mutual insurance companies other than life or marine or fire insurance companies subject...

    Science.gov (United States)

    2010-04-01

    ... Premium Deposits) § 1.821-3 Tax on mutual insurance companies other than life or marine or fire insurance... life or marine or fire insurance companies subject to the tax imposed by section 831. 1.821-3 Section 1... (CONTINUED) INCOME TAXES Mutual Insurance Companies (other Than Life and Certain Marine Insurance...

  17. 26 CFR 1.821-1 - Tax on mutual insurance companies other than life or marine or fire insurance companies subject...

    Science.gov (United States)

    2010-04-01

    ... Premium Deposits) § 1.821-1 Tax on mutual insurance companies other than life or marine or fire insurance... life or marine or fire insurance companies subject to the tax imposed by section 831. 1.821-1 Section 1... (CONTINUED) INCOME TAXES Mutual Insurance Companies (other Than Life and Certain Marine Insurance...

  18. Fibrinogen matrix deposited on the surface of biomaterials acts as a natural anti-adhesive coating.

    Science.gov (United States)

    Safiullin, Roman; Christenson, Wayne; Owaynat, Hadil; Yermolenko, Ivan S; Kadirov, Marsil K; Ros, Robert; Ugarova, Tatiana P

    2015-10-01

    Adsorption of fibrinogen on the luminal surface of biomaterials is a critical early event during the interaction of blood with implanted vascular graft prostheses which determines their thrombogenicity. We have recently identified a nanoscale process by which fibrinogen modifies the adhesive properties of various surfaces for platelets and leukocytes. In particular, adsorption of fibrinogen at low density promotes cell adhesion while its adsorption at high density results in the formation of an extensible multilayer matrix, which dramatically reduces cell adhesion. It remains unknown whether deposition of fibrinogen on the surface of vascular graft materials produces this anti-adhesive effect. Using atomic force spectroscopy, single cell force spectroscopy, and standard adhesion assays with platelets and leukocytes, we have characterized the adhesive and physical properties of the contemporary biomaterials, before and after coating with fibrinogen. We found that uncoated PET, PTFE and ePTFE exhibited high adhesion forces developed between the AFM tip or cells and the surfaces. Adsorption of fibrinogen at the increasing concentrations progressively reduced adhesion forces, and at ≥2 μg/ml all surfaces were virtually nonadhesive. Standard adhesion assays performed with platelets and leukocytes confirmed this dependence. These results provide a better understanding of the molecular events underlying thrombogenicity of vascular grafts.

  19. Health Insurance Rate Review Fact Sheet

    Data.gov (United States)

    U.S. Department of Health & Human Services — The Affordable Care Act is bringing an unprecedented level of scrutiny and transparency to health insurance rate increases. The Act ensures that, in any State, any...

  20. Health insurance and switching behavior : Evidence from the Netherlands

    NARCIS (Netherlands)

    Beest, van F.; Lako, C.J.; Sent, E.-M.

    2012-01-01

    Introduction: Since the introduction of the Health Insurance Act in the Netherlands in 2006, insur- ers are incentivized to compete on prices for basic health insurance, and on price and quality for supplementary insurance. The new health in- surance system aimed to create a more com- petitive marke

  1. 20 CFR 703.207 - Kinds of negotiable securities that may be deposited; conditions of deposit; acceptance of deposits.

    Science.gov (United States)

    2010-04-01

    ... amount fixed by the Office under the regulations in this part shall deposit any negotiable securities... deposited; conditions of deposit; acceptance of deposits. 703.207 Section 703.207 Employees' Benefits... AND RELATED STATUTES INSURANCE REGULATIONS Insurance Carrier Security Deposit Requirements § 703.207...

  2. FDIC Institution Directory (ID) -- Insured Insitution Download File

    Data.gov (United States)

    Federal Deposit Insurance Corporation — The FDIC's Institution Directory (ID) download file provides a list of all FDIC-insured institutions. The file includes demographic information related to the...

  3. 77 FR 72721 - Fees on Health Insurance Policies and Self-Insured Plans for the Patient-Centered Outcomes...

    Science.gov (United States)

    2012-12-06

    ... Internal Revenue Service 26 CFR Parts 40, 46, and 602 RIN 1545-BK59 Fees on Health Insurance Policies and... issuers of certain health insurance policies and plan sponsors of certain self-insured health plans to...-3970 (regarding health insurance policies). SUPPLEMENTARY INFORMATION: Paperwork Reduction Act The...

  4. Monthly Pre-Existing Condition Insurance Plan Enrollment

    Data.gov (United States)

    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...

  5. 33 CFR 135.207 - Insurance as evidence.

    Science.gov (United States)

    2010-07-01

    ... of the policy coverage, by any person for claims under the Act against the owner or operator; and (2...) Confirmation of insurance may be accepted from an insurance broker that is acceptable to the Fund...

  6. [The insurance of professional responsibility of medical professionals in Russia].

    Science.gov (United States)

    2011-01-01

    The article deals with the characteristics of implementation of mandatory insurance of professional risk of medical professionals. The possible directions in resolving actual problems are proposed in the elaboration of normative legal act on insurance of their professional responsibility.

  7. Laboratory studies with cloud-derived Bacterial Cells acting as Ice Nuclei in the Immersion and Deposition Mode

    Science.gov (United States)

    Oehm, C.; Chou, C.; Amato, P.; Attard, E.; Delort, A.-M.; Morris, C.; Kiselev, A.; Stetzer, O.; Möhler, O.; Leisner, T.

    2012-04-01

    Atmospheric aerosol particles play an important role in cloud microphysics. Aerosols of biological origin are a subgroup, and some of them are able to act as heterogeneous ice nuclei and thus influence cloud life cycles and the climate. Some bacteria species have been found to act as ice nuclei at relatively high temperatures up to -2 degree Celsius and are therefore of particular importance as "high temperature" ice nuclei. Recently, ice nucleation experiments with bacterial cells from different sources were performed at the aerosol and cloud simulation chamber AIDA at the Karlsruhe Institute of Technology. At the AIDA facility, microphysical cloud processes can be simulated and investigated in laboratory at realistic atmospheric cloud conditions. Different ice nucleation active (INA) bacteria strains were isolated from cloud water, glacier melt water and phyllosphere and examined in AIDA experiments. The living cells were suspended in nanopure or artificial cloud water and injected into the cloud chamber through a dispersion nozzle. The injected droplets evaporated in the chamber and the bacterial cells were transformed into the aerosol phase. After the spraying, the cloud formation was started by expansion cooling. Experiments were performed in the temperature range from -2 down to -20 degree Celsius. Detailed measurements of the number concentration and size distribution of the aerosol particles as well as of the droplets and ice particles were carried out during the AIDA experiments. A minor fraction of the bacteria cells was observed to act as ice nuclei in the immersion nucleation mode at higher temperatures as well as in the deposition nucleation mode at lower temperatures. The ice activity started at -6 degree Celsius. The most efficient INA bacteria species were Pseudomonas syringae 32b74 and Pseudomonas fluorescens Antarctica1. The ice active number fraction with respect to the cells varied from 0,01 to 0,1, and it does not change at different

  8. Private Health Insurance Exchanges

    Science.gov (United States)

    Buttorff, Christine; Nowak, Sarah; Syme, James; Eibner, Christine

    2017-01-01

    Abstract Private health insurance exchanges offer employer health insurance, combining online shopping, increased plan choice, benefit administration, and cost-containment strategies. This article examines how private exchanges function, how they may affect employers and employees, and the possible implications for the Affordable Care Act's (ACA's) Small Business Health Options Program (SHOP) Marketplaces. The authors found that private exchanges could encourage employees to select less-generous plans. This could expose employees to higher out-of-pocket costs, but premium contributions would drop substantially, so net spending would decrease. On the other hand, employee spending may increase if, in moving to private exchanges, employers decrease their health insurance contributions. Most employers can avoid the ACA's “Cadillac tax” by reducing the generosity of the plans they offer, regardless of whether they move to a private exchange. There is not yet enough evidence to determine whether the private exchanges will become prominent in the insurance market and how they will affect employers and their employees. PMID:28845340

  9. 38 CFR 6.19 - Evidence to establish death of the insured.

    Science.gov (United States)

    2010-07-01

    ... AFFAIRS UNITED STATES GOVERNMENT LIFE INSURANCE Death Benefits § 6.19 Evidence to establish death of the... insurance or United States Government life insurance, the proof of death shall be established in accordance..., World War Veterans' Act, 1924, Sections 607 and 602 (v)(2), National Service Life Insurance Act,...

  10. 12 CFR 347.214 - Branch established under section 5 of the International Banking Act.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Branch established under section 5 of the International Banking Act. 347.214 Section 347.214 Banks and Banking FEDERAL DEPOSIT INSURANCE CORPORATION REGULATIONS AND STATEMENTS OF GENERAL POLICY INTERNATIONAL BANKING Foreign Banks § 347.214 Branch established...

  11. Health Insurance Basics

    Science.gov (United States)

    ... Can I Help Someone Who's Being Bullied? Volunteering Health Insurance Basics KidsHealth > For Teens > Health Insurance Basics Print ... thought advanced calculus was confusing. What Exactly Is Health Insurance? Health insurance is a plan that people buy ...

  12. Chinese Space Insurance Opportunities

    Institute of Scientific and Technical Information of China (English)

    LiuJie

    2005-01-01

    Jiang Tai Insurance Broker Co., Ltd and China Pacific Insurance (group) Co., Ltd jointly held a conference on Space and Space Insurance on January 13 and 14, 2005. About 50 representatives from 30 domestic insurance companies attended the event.

  13. Insuring catastrophes and the role of governments

    Directory of Open Access Journals (Sweden)

    M. M. Boyer

    2013-08-01

    Full Text Available In this paper we model the cost of providing insurance coverage against natural and man-made hazards. We propose an insurance market model that explains (1 the use of reinsurance to help finance the cost of catastrophic events and (2 the implicit (or explicit presence of government entities acting as (reinsurers of last resort. Using an economic model, we show how insurance programmes should be designed to cover the losses due to a possible catastrophic natural hazard. Our results show that the optimal structure of a reinsurance programme minimizes the cost of offering insurance protection. We also show how government intervention can reduce the cost of insurance against natural catastrophes and increase policyholders' welfare. Our paper therefore offers public policy implications as to the role and presence of government as an insurer of last resort and the minimum insurance premium necessary to cover the cost of catastrophic events.

  14. Crop insurance: Risks and models of insurance

    Directory of Open Access Journals (Sweden)

    Čolović Vladimir

    2014-01-01

    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.

  15. DEVELOPMENT OF INSURANCE INTERMEDIARIES IN THE DEVELOP EUROPEAN COUNTRIES

    Directory of Open Access Journals (Sweden)

    D. Nesterova

    2016-03-01

    Full Text Available The article presents theoretical and practical approaches in determining the features of insurance intermediation. It characterizes the traditional model of selling insurance products and modern multi-channel sales model of insurance services. It identifies the main legal acts that regulate the activities of insurance intermediaries in the European Union. In the article analyzed the activity of insurance intermediaries in the EU. The main channels of sales of insurance products are determined. The shares of premiums of insurance intermediaries in the volume of insurance premiums and in the GDP of the insurance markets of European countries are defined. The number of employees who are involved in insurance intermediary in the European countries is investigated. The European experience of insurance agents and insurance brokers in non-life insurance and life insurance is considered. It's analyzed the activity of insurance brokers in the Ukraine. The main trends and problems of the development of insurance intermediaries in the insurance market of Ukraine are defined.

  16. 20 CFR 627.415 - Insurance.

    Science.gov (United States)

    2010-04-01

    ... 20 Employees' Benefits 3 2010-04-01 2010-04-01 false Insurance. 627.415 Section 627.415 Employees' Benefits EMPLOYMENT AND TRAINING ADMINISTRATION, DEPARTMENT OF LABOR GENERAL PROVISIONS GOVERNING PROGRAMS UNDER TITLES I, II, AND III OF THE ACT Administrative Standards § 627.415 Insurance. (a) General. Each recipient and subrecipient shall follo...

  17. 建立存款保险制度对地方性金融机构的影响研究——以延边州农村金融机构为例%Study on the influence on local financial institution by the establishment of deposit insurance system:Take Yianbian rural financial institution example

    Institute of Scientific and Technical Information of China (English)

    李占伟

    2012-01-01

    建立存款保险制度是成熟市场经济国家的通行做法,我国存款保险立法的步伐也正在加紧。建立存款保险制度对地方性金融机构到底有何影响,本文以延边州农村金融机构为例,通过定性定量分析,提出若干建议,以期既能保证存款保险制度的适时推出,又尽可能减少政策对地方性金融机构的震动。%It is the common practice for mature market economy country, and the steps of deposit insurance legislation in china is also being speeded up. In order to find out how much influence of the establishment of deposit insurance system to the local financial institution, some suggestions, based on the example of Yanbian rural financial institution, are put forward in this paper by using qualitative and quantitative methods, so as to make sure the timely launch of deposit insurance system and reduce the influence of the establishment of deposit insurance system on local financial institution.

  18. HEALTH INSURANCE

    CERN Multimedia

    Division HR

    2000-01-01

    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

  19. HEALTH INSURANCE

    CERN Multimedia

    2000-01-01

    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...

  20. MEDICAL MALPRACTICE. THE MALPRACTICE INSURANCE

    Directory of Open Access Journals (Sweden)

    Ruxandra-Cristina DUȚESCU

    2017-05-01

    Full Text Available Increasingly, complaints about medical malpractice ocure extreme situations such as the death of the person or the occurrence of irreparable injuries. Professional misconduct in the exercise of the medical or medical-pharmaceutical act generating harm to the patient implies the civil liability of medical personnel and the provider of medical, sanitary and pharmaceutical products and services. Law no. 95/2006 on the health reform stipulates the obligation of the medical staff to conclude a malpractice insurance for the cases of professional civil liability for the damages created by the medical act, the indemnities being the responsibility of the insurer, within the limits of the liability established by the insurance policy.

  1. 25 CFR 256.24 - Will I need flood insurance?

    Science.gov (United States)

    2010-04-01

    ... 25 Indians 1 2010-04-01 2010-04-01 false Will I need flood insurance? 256.24 Section 256.24... Will I need flood insurance? You will need flood insurance if your dwelling is located in an area identified as having special flood hazards under the Flood Disaster Protection Act of 1973 (Pub. L....

  2. 77 FR 54621 - Pruco Life Insurance Company, et al;

    Science.gov (United States)

    2012-09-05

    ... COMMISSION Pruco Life Insurance Company, et al; Notice of Application August 29, 2012. AGENCY: Securities and... Section 17(a) of the Act. Applicants: Pruco Life Insurance Company (``Pruco Life''), Pruco Life Flexible Premium Variable Annuity Account (``Pruco Life Variable Annuity Account''), Pruco Life Insurance...

  3. Following the ACA Repeal-and-Replace Effort, Where Does the U.S. Stand on Insurance Coverage? Findings from the Commonwealth Fund Affordable Care Act Tracking Survey, March--June 2017.

    Science.gov (United States)

    Collins, Sara R; Gunja, Munira Z; Doty, Michelle M

    2017-09-01

    After Congress's failure to repeal and replace the Affordable Care Act, some policy leaders are calling for bipartisan approaches to address weaknesses in the law’s coverage expansions. To do this, policymakers will need data about trends in insurance coverage, reasons why people remain uninsured, and consumer perceptions of affordability. To examine U.S. trends in insurance coverage and the demographics of the remaining uninsured population, as well as affordability and satisfaction among adults with marketplace and Medicaid coverage. Analysis of the Commonwealth Fund Affordable Care Act Tracking Survey, March–June 2017 The uninsured rate among 19-to-64-year-old adults was 14 percent in 2017, or an estimated 27 million people, statistically unchanged from one year earlier. Uninsured rates ticked up significantly in three subgroups: 35-to-49-year-olds, adults with incomes of 400 percent of poverty or more (about $48,000 for an individual), and adults living in states that had not expanded Medicaid. Half of uninsured adults, or an estimated 13 million, are likely eligible for marketplace subsidies or the Medicaid expansion in their state. Four of 10 uninsured adults are unaware of the marketplaces. Adults in marketplace plans with incomes below 250 percent of poverty are much more likely to view their premiums as easy to afford compared with people with higher incomes. Policies to improve coverage include a federal commitment to supporting the marketplaces and the 2018 open enrollment period, expansion of Medicaid in 19 remaining states, and enhanced subsidies for people with incomes of 250 percent of poverty or more.

  4. 77 FR 22691 - Fees on Health Insurance Policies and Self-Insured Plans for the Patient-Centered Outcomes...

    Science.gov (United States)

    2012-04-17

    ... Internal Revenue Service 26 CFR Parts 40 and 46 RIN 1545-BK59 Fees on Health Insurance Policies and Self... Protection and Affordable Care Act on issuers of certain health insurance policies and plan sponsors of..., Rebecca L. Baxter at (202) 622-3970 (regarding health insurance policies) or R. Lisa Mojiri-Azad at (202...

  5. 77 FR 47573 - Fees on Health Insurance Policies and Self-Insured Plans for the Patient-Centered Outcomes...

    Science.gov (United States)

    2012-08-09

    ... Internal Revenue Service 26 CFR Parts 40 and 46 RIN 1545-BK59 Fees on Health Insurance Policies and Self... Patient Protection and Affordable Care Act on issuers of certain health insurance policies and plan sponsors of certain self-insured health plans to fund the Patient-Centered Outcomes Research Trust Fund...

  6. Forestry Standardization & Forestry Insurance

    Institute of Scientific and Technical Information of China (English)

    2006-01-01

    @@ Forestry insurance of our country has developed slowly,of which the main difficulty lies in predicting and determining forestry risk,confirming the sum insured,raising the premiums, indemnity for property loss,coordinating forestry insurance and forestry protection,and lack of insurance legal system etc.With the implementation of forestry's standardized project,and overcoming effectively the technological obstacle existing in forestry's insurance,the development speed of forestry's insurance will be accelerated too.

  7. 77 FR 25349 - Mutual Insurance Holding Company Treated as Insurance Company

    Science.gov (United States)

    2012-04-30

    ... the Dodd- Frank Act with the treatment of such companies under state insurance company insolvency laws... or affiliate of such company that is , shall be conducted as provided under applicable State law..., under applicable state laws, a mutual insurance holding company generally is prohibited from selling...

  8. Research on the Coordinative Operation of Commercial Health Insurance and Social Medical Insurance——Compared with the Obama Healthcare Reform Act%商业健康险与社会医疗保险协调运作研究——与奥巴马医改方案相比照

    Institute of Scientific and Technical Information of China (English)

    蒋宇华

    2015-01-01

    Under the nationwide health-insurance system of China, the commercial health insurance faces the tendency to become the coupling of social medical insurance, and it is necessary to find out how they could coordinate with each other. The concept "COUPLING" applied to insurance study can be understood as that 2 or 2 more types of insurances interact and coordinate with each other in supplies regulating and resource complementary by exchanging insurance funds and insurance service resources. It aims to jointly promote the connection of health and medical needs from the insured and effective insurance coverage. This paper digs out the bright points, which are beneficial to national welfare and people's livelihood, from Obama Health Insurance Reform Act, to put forward 4 pieces of policy suggestions based on the enlightenment for the coordinative development of health insurance and social medical insurance in China.%在我国全民医保体系下,商业健康险的发展趋势是演变为社会医疗保险的耦合体,研究两者如何协调运作势在必行."耦合"这个概念运用到保险学上,可理解为两个或两个以上的险种在调剂余缺、资源互补上存在紧密配合和相互影响,通过相互作用从一侧向另一侧传输保险资金,再由相反方向从另一侧向该侧让渡保险资源,共同促进广大受众的健康和医疗需求与有效保险保障的对接.本文通过挖掘奥巴马医改方案中有利于国计民生的亮点,根据其对我国协调发展健康险和社会医疗保险的启示,提出四点政策建议.

  9. Insurance fraud on the Czech insurance market

    OpenAIRE

    Jastremská, Kateřina

    2015-01-01

    The thesis deals with insurance fraud on the Czech insurance market. The introductory section describes the actual state of the insurance market. Insurance fraud is presented in terms of legislation, their species and the general alarming indicators. The next section deals with internal fraud and depictures a brief profile of the typical internal fraudster, indicators of their suspicious behavior and ways of prevention. The following chapter describes the external fraud in the life and non-li...

  10. [Occupational health services as the insurance product and insurance economic instruments].

    Science.gov (United States)

    Rydlewska-Liszkowska, Izabela

    2014-01-01

    One of the most controversial issues in restructuring the Polish health insurance system is the implementation of private voluntary insurance and creation within it a new insurance product known as occupational health services (OHS). In this article some opportunities and dilemmas likely to be faced by providers and employers/employees, when contracting with insurance institutions, are considered as a contribution to the discussion on private insurance in Poland. The basic question is how private insurance institutions could influence the promotion of different preventive activities at the company level by motivating both OHS providers and employers. The descriptive qualitative method has been applied in the analysis of legal acts, scientific publications selected according to keywords (Pubmed), documents and expert evaluations and research project results. Taking into account the experiences of European countries, described in publications, international experts' opinions and results of research projects the solution proposed in Poland could be possible under the following several prerequisites: inclusion of a full scope of occupational health services into the insurance product, constant supervision of occupational medicine professionals, monitoring of the health care quality and the relations between private insurers and OHS provider and implementation of the economic incentives scheme to ensure an adequate position of OHS providers on the market. The proposed reconstruction of the health insurance system, comprising undoubtedly positive elements, may entail some threats in the area of health, organization and economy. Private voluntary health insurance implementation requires precisely defined solutions concerning the scope of insurance product, motivation scheme and information system.

  11. PERFIL DE RIESGO DE LAS COOPERATIVAS DE CRÉDITO ESPAÑOLAS: IMPLICACIONES EN EL COSTE DEL SEGURO DE DEPÓSITO / RISK PROFILE OF SPANISH CREDIT COOPERATIVES: IMPLICATIONS FOR THE COST OF DEPOSIT INSURANCE

    Directory of Open Access Journals (Sweden)

    Antonio PARTAL UREÑA

    2012-09-01

    Full Text Available La reforma propuesta por la Comisión Europea en julio de 2010, modificando el procedimiento para fijar las aportaciones que deben realizar las entidades de crédito a los sistemas de garantía de depósitos en función de su nivel de riesgo, supondrá cambios sustanciales en las cuotas que pagan actualmente. Este trabajo analiza el perfil de riesgo de las cooperativas españolas durante el período 2007-2010 y cuantifica su efecto sobre las contribuciones al Fondo de Garantía de Depósitos de Entidades de Crédito (FGDEC aplicando la metodología desarrollada por la Comisión. El estudio concluye con importantes evidencias sobre la evolución del perfil de riesgo del sector durante un periodo de recesión económica y el impacto de esta reforma, valorado a través del número de entidades que aumentarían su aportación y las variaciones en el coste del seguro respecto al sistema vigente. / The reform proposed by the European Commission in July 2010, modifying the procedure for determining the contributions which the banks must make to the deposit guarantee systems according to their level of risk will imply substantial changes in the fees currently paid. This paper analyzes the risk profile of Spanish cooperatives during 2007-2010 and quantifies their effect on contributions to the Deposit Guarantee Fund for Credit Institutions (FGDEC using the methodology proposed by the Commission. The study concludes with important evidence about the evolution of the risk profile of the sector in a period of economic recession and the impact of this reform, measured by means of the number of entities that would increase their input and variations in the cost of insurance in relation to the current system.

  12. 20 CFR 323.2 - Definition of nongovernmental plan for unemployment or sickness insurance.

    Science.gov (United States)

    2010-04-01

    ... unemployment or sickness insurance. 323.2 Section 323.2 Employees' Benefits RAILROAD RETIREMENT BOARD REGULATIONS UNDER THE RAILROAD UNEMPLOYMENT INSURANCE ACT NONGOVERNMENTAL PLANS FOR UNEMPLOYMENT OR SICKNESS INSURANCE § 323.2 Definition of nongovernmental plan for unemployment or sickness insurance. A...

  13. 77 FR 41048 - Health Insurance Premium Tax Credit; Correction

    Science.gov (United States)

    2012-07-12

    ... Internal Revenue Service 26 CFR Part 1 RIN 1545-BJ82 Health Insurance Premium Tax Credit; Correction AGENCY..., 2012 (77 FR 30377). The final regulations relate to the health insurance premium tax credit enacted by the Patient Protection and Affordable Care Act and the Health Care and Education Reconciliation Act of...

  14. Affordable Care Act (ACA)

    Data.gov (United States)

    Social Security Administration — The Affordable Care Act (ACA) is a federal statute enacted with a goal of increasing the quality and affordability of health insurance. Through a web service, CMS...

  15. ECONOMIC AND MANAGERIAL APPROACH OF HEALTH INSURANCES

    Directory of Open Access Journals (Sweden)

    Georgeta Dragomir

    2007-05-01

    Full Text Available The paper represents an analysis in the domain of the social insurances for health care. It emphasizesthe necessity and the opportunity of creating in Romania a medical service market based on the competingsystem. In Romania, the social insurances for health care are at their very beginning. The development of thedomain of the private insurances for health care is prevented even by its legislation, due to the lack of anormative act that may regulate the management of the private insurances for health care. The establishment ofthe legislation related to the optional insurances for health care might lead to some activity norms for thecompanies which carry out optional insurances for health care. The change of the legislation is made in order tocreate normative and financial opportunities for the development of the optional medical insurances. Thischange, as part of the social protection of people, will positively influence the development of the medicalinsurance system. The extension of the segment of the optional insurances into the medical insurance segmentincreases the health protection budget with the value of the financial sources which do not belong to thebudgetary funds.

  16. The Impact of Deposit Insurance System on China’s Banking Industry---From an International Comparison Perspective%存款保险制度对我国银行业的影响--基于国际比较视角

    Institute of Scientific and Technical Information of China (English)

    卢文华; 段鸿济

    2015-01-01

    There are remarkable characteristics for the deposit insurance system in the United States, Britain, Japan and Germany, as for its form of organization, institution-establishing way, authorization mode and fund system.On March 31, 2015, the “Deposit Insurance Regulations” was opened to the public after years of deliberation, which marks the formal establishment of the deposit insurance system in China.Compared with the effect of deposit insur-ance system upon the banking sector in the four countries, the system which will come into effect on May 1, 2015 will make China’s banking industry face more opportunities and challenges.Drawing from the experiences in bank-ing industry development in these four countries, the paper proposes some countermeasures for China’s banking in-dustry in responding to the deposit insurance system.%美国、英国、日本及德国实施的存款保险制度在制度组织形式、保险机构组建方式、授权模式以及基金体系方面具有显著特征。2015年3月31日,酝酿多年的《存款保险条例》正式发布,这标志着我国存款保险制度正式建立。与四国存款保险制度对银行业的影响相比,即将于今年5月1日起施行的这一制度将使得我国银行业机遇与挑战并存,在借鉴四国银行业发展经验的基础上,提出了我国银行业在应对存款保险制度实施时应采取的策略。

  17. Women's Health Insurance Coverage

    Science.gov (United States)

    ... Women's Health Policy Women’s Health Insurance Coverage Women’s Health Insurance Coverage Oct 21, 2016 Facebook Twitter LinkedIn Email ... of the ACA on women’s coverage. Sources of Health Insurance Coverage Employer-Sponsored Insurance: Approximately 57.5 million ...

  18. Alternative health insurance schemes

    DEFF Research Database (Denmark)

    Keiding, Hans; Hansen, Bodil O.

    2002-01-01

    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...

  19. DLVO, hydrophobic, capillary and hydrodynamic forces acting on bacteria at solid-air-water interfaces: Their relative impact on bacteria deposition mechanisms in unsaturated porous media.

    Science.gov (United States)

    Bai, Hongjuan; Cochet, Nelly; Pauss, André; Lamy, Edvina

    2017-02-01

    Experimental and modeling studies were performed to investigate bacteria deposition behavior in unsaturated porous media. The coupled effect of different forces, acting on bacteria at solid-air-water interfaces and their relative importance on bacteria deposition mechanisms was explored by calculating Derjaguin-Landau-Verwey-Overbeek (DLVO) and non-DLVO interactions such as hydrophobic, capillary and hydrodynamic forces. Negatively charged non-motile bacteria and quartz sands were used in packed column experiments. The breakthrough curves and retention profiles of bacteria were simulated using the modified Mobile-IMmobile (MIM) model, to identify physico-chemical attachment or physical straining mechanisms involved in bacteria retention. These results indicated that both mechanisms might occur in both sand. However, the attachment was found to be a reversible process, because attachment coefficients were similar to those of detachment. DLVO calculations supported these results: the primary minimum did not exist, suggesting no permanent retention of bacteria to solid-water and air-water interfaces. Calculated hydrodynamic and resisting torques predicted that bacteria detachment in the secondary minimum might occur. The capillary potential energy was greater than DLVO, hydrophobic and hydrodynamic potential energies, suggesting that film straining by capillary forces might largely govern bacteria deposition under unsaturated conditions.

  20. 78 FR 75344 - Sunshine Act Meeting; Notice of a Matter To Be Added to the Agenda for Consideration at an Agency...

    Science.gov (United States)

    2013-12-11

    ... From the Federal Register Online via the Government Publishing Office FEDERAL DEPOSIT INSURANCE CORPORATION Sunshine Act Meeting; Notice of a Matter To Be Added to the Agenda for Consideration at an Agency... hereby given that the following matter will be added to the ``Discussion Agenda'' for consideration...

  1. The cost conundrum: financing the business of health care insurance.

    Science.gov (United States)

    Kelly, Annemarie

    2013-01-01

    Health care spending in both the governmental and private sectors skyrocketed over the last century. This article examines the rapid growth of health care expenditures by analyzing the extent of this financial boom as well some of the reasons why health care financing has become so expensive. It also explores how the market concentration of insurance companies has led to growing insurer profits, fewer insurance providers, and less market competition. Based on economic data primarily from the Government Accountability Office, the Kaiser Family Foundation, and the American Medical Associa tion, it has become clear that this country needs more competitive rates for the business of health insurance. Because of the unique dynamics of health insurance payments and financing, America needs to promote affordability and innovation in the health insurance market and lower the market's high concentration levels. In the face of booming insurance profits, soaring premiums, many believe that in our consolidated health insurance market, the "business of insurance" should not be exempt from antitrust laws. All in all, it is in our nation's best interest that Congress restore the application of antitrust laws to health sector insurers by passing the Health Insurance Industry Antitrust Enforcement Act as an amendment to the McCarran-Ferguson Act's "business of insurance" provision.

  2. The Relationship of Health Insurance and Mortality: Is Lack of Insurance Deadly?

    Science.gov (United States)

    Woolhandler, Steffie; Himmelstein, David U

    2017-09-19

    About 28 million Americans are currently uninsured, and millions more could lose coverage under policy reforms proposed in Congress. At the same time, a growing number of policy leaders have called for going beyond the Patient Protection and Affordable Care Act to a single-payer national health insurance system that would cover every American. These policy debates lend particular salience to studies evaluating the health effects of insurance coverage. In 2002, an Institute of Medicine review concluded that lack of insurance increases mortality, but several relevant studies have appeared since that time. This article summarizes current evidence concerning the relationship of insurance and mortality. The evidence strengthens confidence in the Institute of Medicine's conclusion that health insurance saves lives: The odds of dying among the insured relative to the uninsured is 0.71 to 0.97.

  3. 78 FR 4593 - Medicaid, Children's Health Insurance Programs, and Exchanges: Essential Health Benefits in...

    Science.gov (United States)

    2013-01-22

    ... 42 CFR Parts 430, 431, 433, et al. 45 CFR Part 155 Medicaid, Children's Health Insurance Programs... Health Insurance Programs, and Exchanges: Essential Health Benefits in Alternative Benefit Plans... Affordable Care Act), and the Children's Health Insurance Program Reauthorization Act of 2009 (CHIPRA). This...

  4. 75 FR 6673 - Expert Meeting on Measurement Criteria for Children's Health Insurance Program; Reauthorization...

    Science.gov (United States)

    2010-02-10

    ... Children's Health Insurance Program; Reauthorization Act Pediatric Quality Measures AGENCY: Agency for... (PQMP) under Section 1139A(b) of the Social Security Act as enacted in the Children's Health Insurance... INFORMATION: I. Purpose In early 2009, CHIPRA (Pub. L. 111-3) reauthorized the Child Health Insurance Program...

  5. 75 FR 63480 - Medicaid Program: Implementation of Section 614 of the Children's Health Insurance Program...

    Science.gov (United States)

    2010-10-15

    ... HUMAN SERVICES Medicaid Program: Implementation of Section 614 of the Children's Health Insurance... Children's Health Insurance Program Reauthorization Act of 2009 (CHIPRA), Public Law 111-3. Section 614... Security Act and for child health assistance expenditures under the Children's Health Insurance Program...

  6. 76 FR 35249 - Allianz Life Insurance Company of North America, et al; Notice of Application

    Science.gov (United States)

    2011-06-16

    ... COMMISSION Allianz Life Insurance Company of North America, et al; Notice of Application June 10, 2011... Section 17(b) of the Act from Section 17(a) of the Act. Applicants: Allianz Life Insurance Company of North America (``Allianz Life'') and Allianz Life Insurance Company of New York (``Allianz...

  7. 78 FR 53175 - The Northwestern Mutual Life Insurance Company, et al.;

    Science.gov (United States)

    2013-08-28

    ... COMMISSION The Northwestern Mutual Life Insurance Company, et al.; Notice of Application Agency: Securities... Section 17(b) of the Act from Section 17(a) of the Act. Applicants: The Northwestern Mutual Life Insurance...''), under each of the variable annuity contracts and variable life insurance policies issued by the...

  8. 78 FR 8601 - AXA Equitable Life Insurance Company, et al; Notice of Application

    Science.gov (United States)

    2013-02-06

    ... COMMISSION AXA Equitable Life Insurance Company, et al; Notice of Application January 31, 2013. AGENCY... the Act from Section 17(a) of the Act. Applicants: AXA Equitable Life Insurance Company (``AXA... Equitable Life Insurance Company, 1290 Avenue of Americas, New York, New York 10104; Patricia Louie,...

  9. History, problems, and prospects of Islamic insurance (Takaful) in Bangladesh.

    Science.gov (United States)

    Khan, Issa; Rahman, Noor Naemah Binti Abdul; Yusoff, Mohd Yakub Zulkifli Bin Mohd; Nor, Mohd Roslan Bin Mohd

    2016-01-01

    This study explains the history, current problems, and future possibilities of Islamic insurance (takaful) in Bangladesh. To articulate these issues, the researcher has adopted the qualitative method, and data has been collected through secondary sources i.e. articles, books, and online resources. The study reveals that Islamic insurance in Bangladesh is regulated by the Insurance Act 2010 which is contradictory with Islamic insurance causing numerous problems for Islamic insurance. This study also points out that Islamic insurance is a fast growing industry with huge prospects in Bangladesh. The government should introduce separate regulations for both Islamic and conventional insurance. The research concludes with suggestions for the further development of Islamic insurance in Bangladesh.

  10. Delivering community benefits acts as insurance for the survival of small protected areas such as the Abe Bailey Nature Reserve, South Africa

    Directory of Open Access Journals (Sweden)

    Susan J. Taylor

    2012-01-01

    Full Text Available The Abe Bailey Nature Reserve (ABNR in the Gauteng Province of South Africa is largely unknown and offers little to attract visitors. The biological integrity of the ABNR is challenged by the urban poverty in Khutsong, the reserve’s immediate neighbour. Relations between Khutsong and the nature reserve had been hostile for decades as a result of the ‘fortress’ style of conservation protection used for the ABNR. However, this situation provided the Gauteng Directorate of Nature Conservation with an opportunity to experiment with identifying and transferring benefits to the community, as well as establishing an effective buffer zone between the nature reserve and the informal settlements of Khutsong. Following an initial rapid rural appraisal and ongoing liaison through specifically appointed project managers, an outreach programme containing two natural resource-based projects was developed. As a result, better relations were established between the ABNR and its neighbouring community for the first time since the nature reserve was established in 1977. This acted as ‘insurance’ during violent public protests and vandalism in the Khutsong border demarcation dispute (2005–2007, but may not be enough to secure the nature reserve into the future. Conservation implications: Small protected areas may not be effective in ensuring their biological integrity in the long term, but working cooperatively with existing and future neighbours is an essential strategy to optimise conservation activities in small reserves such as the ABNR.

  11. 76 FR 5861 - Medicare, Medicaid, and Children's Health Insurance Programs; Additional Screening Requirements...

    Science.gov (United States)

    2011-02-02

    ..., and Children's Health Insurance Programs; Additional Screening Requirements, Application Fees..., Medicaid, and Children's Health Insurance Programs; Additional Screening Requirements, Application Fees... reauthorized Indian Health Care Improvement Act, `` ny requirement for participation as a provider of health...

  12. Health insurance and hospital technology adoption.

    Science.gov (United States)

    Freedman, Seth

    2012-01-01

    This chapter discusses the relationship between health insurance and hospitals' decisions to adopt medical technologies. I focus on both how the extent of insurance coverage can increase incentives to adopt new treatments, and how the parameters of the insurance contract can impact the types of treatments adopted. I provide a review of the previous theoretical and empirical literature and highlight evidence on this relationship from previous expansions of Medicaid eligibility to low-income pregnant women. While health insurance has important effects on individual-level choices of health care consumption, increases in the fraction of the population covered by insurance has also been found to have broader supply side effects as hospitals respond to changes in demand by changing the type of care offered. Furthermore, hospitals respond to the design of insurance contracts and adopt more or less cost-effective technologies depending on the incentive system. Understanding how insurance changes supply side incentives is important as we consider future changes in the insurance landscape. ORIGINALITY/VALUE OF PAPER: With these previous findings in mind, I conclude with a discussion of how the Affordable Care Act may alter hospital technology adoption incentives by both expanding coverage and changing payment schemes.

  13. Duty to provide pre-contractual information of crop insurance

    Directory of Open Access Journals (Sweden)

    Ivančević Katarina

    2016-01-01

    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.

  14. A Critique of the Unemployment Insurance Amendment Bill, 2015

    OpenAIRE

    Marius Olivier; Avinash Govindjee

    2015-01-01

    The contribution critically reflects on the proposed amendments to the Unemployment Insurance Act Act 63 of 2001 (the UIA / the Act), introduced via the provisions of the Unemployment Insurance Amendment Bill of 2015 (B25-2015). Several shortcomings and deficiencies are addressed and improvements introduced by the proposed amending legislation, including the extension of coverage to a wider range of beneficiaries, the extension of the period of benefits (to a maximum of 365 days), the increas...

  15. 7 CFR 278.5 - Participation of insured financial institutions.

    Science.gov (United States)

    2010-01-01

    ... Reserve banks. Coupons submitted to insured financial institutions for credit or cash must be properly... financial institutions shall be forwarded with the corresponding coupon deposits to the Federal Reserve Bank... directly to the Federal Reserve Bank. Other insured financial institutions may forward cancelled...

  16. Understanding health insurance plans

    Science.gov (United States)

    ... 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 ...

  17. Farmers Insures Success

    Science.gov (United States)

    Freifeld, Lorri

    2012-01-01

    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…

  18. Insurance Sector Risk

    NARCIS (Netherlands)

    J.F. Slijkerman

    2006-01-01

    textabstractWe model and measure simultaneous large losses of the market value of insurers to understand the impact of shocks on the insurance sector. The downside risk of insurers is explicitly modelled by common and idiosyncratic risk factors. Since reinsurance is important for the capacity of ins

  19. EVOLUTION OF INSURANCE DEFINITION

    Directory of Open Access Journals (Sweden)

    V. A. Gorb

    2011-03-01

    Full Text Available In the article the evolution of the concept of insurance from the earliest forms to contemporary ones is shown. The development of insurance in Ukraine is demonstrated. A review of transformation of the insurance concept is presented in tabular form.

  20. Did they come to the dance? Insurer participation in exchanges.

    Science.gov (United States)

    Abraham, Jean M; Feldman, Roger; Simon, Kosali

    2014-01-01

    An important feature of the Affordable Care Act is the creation of insurance exchanges, which are organized marketplaces through which individuals could begin to shop for and purchase coverage beginning in 2014. This study analyzes the decisions of new insurers and incumbent insurers already operating in a major market within a state to participate in state and federally facilitated exchanges. Utilizing secondary data from the National Association of Insurance Commissioners* and government websites, we describe each state's insurance market in 2012, summarizing the number of incumbent insurers by size and operations in the individual market segment. Next, we investigate the organizational, market, and policy-related factors associated with incumbent insurers' participation decisions. Finally, we discuss the entry patterns of new insurers and briefly assess their potential impact on the market. We use multivariate regression analysis to identify the organizational, market, and policy-related factors related to insurer participation in exchanges. Only 10% of incumbent insurers are participating in exchanges in 2014, although considerable variation exists across states. Participation is more prevalent among larger insurers, local and regional insurers, and those with prior experience in other market segments in the same state. The entry of newly formed organizations, such as cooperatives (co-ops), and of existing insurers into new states is modest. Robust participation of insurers is an important prerequisite to ensure competition in health insurance markets. Exchange administrators will need to better understand the strategic or operational reasons why insurers chose not to participate in the individual market exchanges in 2014. *The NAIC does not endorse any analysis or conclusions based upon the use of its data.

  1. Alcohol and substance use, race, and insurance status predict nontreatment for hepatitis C virus in the era of direct acting antivirals: a retrospective study in a large urban tertiary center.

    Science.gov (United States)

    Sims, Omar T; Guo, Yuqi; Shoreibah, Mohamed G; Venkata, Krishna; Fitzmorris, Paul; Kommineni, Vishnu; Romano, John; Massoud, Omar I

    2017-08-29

    Direct acting antivirals (DAAs) have overcome many long-standing medical barriers to hepatitis C virus (HCV) treatment (i.e. host characteristics and medical contraindications) and treatment outcome disparities that were associated with interferon regimens. The public health and clinical benefit of current and forthcoming DAA discoveries will be limited if efforts are not made to examine racial, psychological, and socioeconomic factors associated with being treated with DAAs. This study examined racial, psychological, and socioeconomic factors that facilitate and inhibit patients receiving DAAs for HCV. This was a single-center retrospective cohort study at a large urban tertiary center of patients (n=747) who were referred for evaluation and treatment of HCV. Sixty-eight percent of patients were non-Hispanic White, 31% were African American, and 1% were of other ethnicities. The majority of patients received treatment, but 29% (218/747) did not. Patients who were older [odds ratio (OR)=1.02, 95% confidence interval (CI): 1.01-1.04] and insured (OR=2.73, 95% CI: 1.12-6.97) were more likely to receive HCV treatment. Patients who were African American (OR=0.46, 95% CI: 0.46-1.06), used drugs (OR=0.09, 95% CI: 0.04-0.17), smoked (OR=0.55, 95% CI: 0.37-0.81), and used alcohol (OR=0.11, 95% CI: 0.06-0.20) were less likely to receive HCV treatment. Though DAAs have eliminated many historically, long-standing medical barriers to HCV treatment, several racial, psychological and socioeconomic barriers, and disparities remain. Consequently, patients who are African American, uninsured, and actively use drugs and alcohol will suffer from increased HCV-related morbidity and mortality in the coming years if deliberate public health and clinical efforts are not made to facilitate access to DAAs.

  2. Bankruptcy, medical insurance, and a law with unintended consequences.

    Science.gov (United States)

    Koch, Thomas G

    2014-11-01

    Congress passed the Emergency Medical Treatment and Active Labor Act (EMTALA) in 1986, guaranteeing a standard of medical care to anyone who entered an emergency room. This guarantee made default a more reliable substitute for medical insurance. I construct a tractable structural model of the medical insurance market and find that repealing EMTALA would increase the fraction of the population with insurance while decreasing its price.

  3. 12 CFR 22.7 - Forced placement of flood insurance.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Forced placement of flood insurance. 22.7... HAVING SPECIAL FLOOD HAZARDS § 22.7 Forced placement of flood insurance. If a bank, or a servicer acting... or mobile home and any personal property securing the designated loan is not covered by...

  4. Information problems and deposit constraints at banks

    OpenAIRE

    Jith Jayaratne; Donald Morgan

    1997-01-01

    Following the investment-cash flow literature, we test whether bank lending is constrained by the availability of insured deposits--a necessary condition for the existence of bank lending channel of monetary policy. We treat insured deposits as a type of "internal fund," similar to cash flows. We use a simple model to sort out the possible identification issues in interpreting a lending-deposit correlation, including reverse causality and omitted variable bias. To minimize the latter, we spli...

  5. For Insurers, a Battle Between 2 Futures.

    Science.gov (United States)

    Burns, Joseph

    2016-09-01

    Whether insurers are rejoicing at the prospect of a Trump presidency and the end of the Affordable Care Act or a Clinton presidency and modifications to the law is hard to say because of the industry's complicated relationship with the law. AHIP, for instance, has been conflicted about the ACA from the beginning.

  6. 78 FR 52719 - Tax Credit for Employee Health Insurance Expenses of Small Employers

    Science.gov (United States)

    2013-08-26

    ... Internal Revenue Service 26 CFR Part 1 RIN 1545-BL55 Tax Credit for Employee Health Insurance Expenses of... certain small employers that offer health insurance coverage to their employees under section 45R of the... ``Affordable Care Act''). I. Section 45R Section 45R(a) provides for a health insurance tax credit in the case...

  7. 75 FR 39994 - AXA Equitable Life Insurance Company, et al.; Notice of Application

    Science.gov (United States)

    2010-07-13

    ... COMMISSION AXA Equitable Life Insurance Company, et al.; Notice of Application July 7, 2010. AGENCY... Act. APPLICANTS: AXA Equitable Life Insurance Company (``AXA Equitable''), Separate Account 45 of AXA... (``Separate Account FP'') (together, ``AXA Equitable Separate Accounts''), MONY Life Insurance Company...

  8. 78 FR 62716 - Pacific Life Insurance Company, et al; Notice of Application

    Science.gov (United States)

    2013-10-22

    ... COMMISSION Pacific Life Insurance Company, et al; Notice of Application October 17, 2013. AGENCY: Securities... 1940, as amended (the ``1940 Act''). Applicants: Pacific Life Insurance Company (``Pacific Life... Street NE., Washington, DC 20549-1090. Applicants: Pacific Life Insurance Company, Separate Account A...

  9. 76 FR 33003 - TIAA-CREF Life Insurance Company, et al.

    Science.gov (United States)

    2011-06-07

    ... COMMISSION TIAA-CREF Life Insurance Company, et al. June 1, 2011. AGENCY: Securities and Exchange Commission... 1940, as amended (the ``1940 Act''). Applicants: TIAA-CREF Life Insurance Company (``TC LIFE''), TIAA... ``Replacement Portfolio'') under certain variable life insurance policies and variable annuity contracts...

  10. 20 CFR 703.108 - Period of authority to write insurance.

    Science.gov (United States)

    2010-04-01

    ... 20 Employees' Benefits 3 2010-04-01 2010-04-01 false Period of authority to write insurance. 703.108 Section 703.108 Employees' Benefits EMPLOYMENT STANDARDS ADMINISTRATION, DEPARTMENT OF LABOR LONGSHOREMEN'S AND HARBOR WORKERS' COMPENSATION ACT AND RELATED STATUTES INSURANCE REGULATIONS Authorization of Insurance Carriers § 703.108 Period of...

  11. 20 CFR 703.106 - Certificate of authority to write insurance.

    Science.gov (United States)

    2010-04-01

    ... 20 Employees' Benefits 3 2010-04-01 2010-04-01 false Certificate of authority to write insurance. 703.106 Section 703.106 Employees' Benefits EMPLOYMENT STANDARDS ADMINISTRATION, DEPARTMENT OF LABOR LONGSHOREMEN'S AND HARBOR WORKERS' COMPENSATION ACT AND RELATED STATUTES INSURANCE REGULATIONS Authorization of Insurance Carriers § 703.106...

  12. 78 FR 5167 - BE-45: Quarterly Survey of Insurance Transactions by U.S. Insurance Companies With Foreign Persons

    Science.gov (United States)

    2013-01-24

    ... To Report: The survey is intended to collect information on cross-border insurance transactions... reporter's fiscal year when reports must be filed within 90 days. Paperwork Reduction Act Notice: This...

  13. Public Insurance and Equality

    DEFF Research Database (Denmark)

    Landes, Xavier; Néron, Pierre-Yves

    2015-01-01

    health and unemployment insurance and pensions) is explained and justified by the greater efficiency of the state, in comparison with markets, in addressing market failures such as moral hazard or adverse selection. Our argument is that while insurance, intrinsically and idealistically, may diverge from......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...... 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...

  14. Nonlife Insurance Pricing:

    Science.gov (United States)

    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.

  15. Uninsured vs. insured population

    DEFF Research Database (Denmark)

    Andersen, Z. J.; Lin, Chyongchiou J; Chang, Chung-Chou H

    2003-01-01

    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...... 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...... status. Also, the insured nonelderly Americans were found to have better access to health care than the uninsured nonelderly....

  16. Public Insurance and Equality

    DEFF Research Database (Denmark)

    Landes, Xavier; Néron, Pierre-Yves

    2015-01-01

    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...... 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...

  17. Insurance for wind energy : working with insurers

    Energy Technology Data Exchange (ETDEWEB)

    Beswick, S. [Marsh Canada Ltd., Toronto, ON (Canada). Power and Utilities Practice Group

    2005-07-01

    This presentation described Marsh Canada Ltd.'s role in the Canadian insurance marketplace, the cost of insurance, working with the domestic market and specialty services for the wind power industry. Marsh Canada works with 13 industry groups and recognizes the Canadian marketplace's strong interest in wind energy. Marsh Canada's product specialty input is in machinery breakdown, directors and officers, marine installations, risk consulting, professional liability, surety and construction. In addition to Marsh Canada, there are 8 other Canadian insurers of wind energy. An annual premium costs about $135,000 based on a total of 10 MW capacity and an insured value of $20 million. This premium also allows for business interruption. With expertise in power generation, transportation, and civil, electrical and mechanical engineering, Marsh Canada can offer the wind energy construction industry specialty services such as risk identification, analysis and control; insurance program design; contract review; claims tracking, management, administration and settlement; health and safety consultation; risk financing advice; and, credit enhancement solutions. The specialty services for wind energy property include cable damage; lightning strikes; gearboxes and lubrication; switch gear; substation transformers; earthquakes; icing; fire in transformers; malicious damage; environmental issues; and new technology. tabs., figs.

  18. Illinois disability law does not extend to insurance companies.

    Science.gov (United States)

    1999-07-23

    A Federal appeals court ruled that the content of insurance policies is not regulated by the Americans with Disabilities Act. The decision came in a complaint filed by a hairdresser, Cut N Dried Salon, against National Group Life Insurance Co. in Illinois. The insurance company refused coverage for a female salon employee because it did not insure employees of hairdressers, interior decorators, florists, graphic artists, and certain other professions. The insurer explained that they were "high risk occupations." All occupations identified are commonly associated with gay men. National later changed its policy, but requires the employer to pay a 20 percent additional premium. In 1992, the salon filed a complaint with the Illinois Department of Human Rights, which later dismissed the case for lack of jurisdiction. The State Appellate Court said that insurance companies were not like other commercial ventures, since their customers have to undergo an evaluation process. The ruling leaves insurance customers with a last resort, filing a complaint with the State Insurance Department whose Insurance Code bars such discrimination. However, investigations into Insurance Department complaints are discretionary and not required.

  19. [Genetic screening of patients with familial hypercholesterolemia and insurability for life insurance policies and disability cover policies].

    Science.gov (United States)

    Homsma, S J; Lansberg, P J; Kastelein, J J

    2004-03-01

    In the Netherlands, people with familial hypercholesterolaemia (FH) have been actively screened since 1994 by means of DNA analysis. Recently, the Stichting Opsporing Erfelijke Hypercholesterolemie (Foundation for the Detection of Familial Hypercholesterolaemia) initiated a large scale-screening programme aimed at finding all 40,000 people. The Dutch ministry of Health, Welfare and Sport is providing the financial support. Genetic screening has social implications and raises questions on insurability. The Dutch Medical Examination Act prohibits insurers from posing questions about untreatable, serious inheritable conditions for insured sums under a certain value: for life-insurance policies policies insurers can request information for the purpose of an accurate risk classification. Insurance contracts can be accepted at normal rates if the target value of LDL-cholesterol < 4 mmol/l and additional risk factors such as smoking and an abnormal BMI are absent; the risk is determined by the phenotype and clinical factors and not by the genotype.

  20. Evaluation of the harmonization process of the Czech insurance market with the single insurance market of the EU

    Directory of Open Access Journals (Sweden)

    Viktória Čejková

    2004-01-01

    Full Text Available For the Czech insurance industry, it has been 13 years since the passage of the Insurance Act in 1991, which did away with the monopoly and allowed competition in this business sector. In our evaluation, we can state that the positives outweigh the negatives. A relatively high pace of growth in total premiums written was achieved and the ratio of premiums written to GDP increased, up to 4,0% in 2002. In comparison with EU countries, the Czech insurance market is behind in 2 global indicators: the ratio of premiums written to GDP and the share of life insurance in total premiums written. The Czech insurance market must count on greater competition from foreign insurance companies, as the Czech Republic was May 1, 2004, accepted as a member of the European Union.

  1. Promoting Value for Consumers: Comparing Individual Health Insurance Markets Inside and Outside the ACA's Exchanges.

    Science.gov (United States)

    McCue, Michael J; Hall, Mark A

    2016-06-01

    The new health insurance exchanges are the core of the Affordable Care Act's (ACA) insurance reforms, but insurance markets beyond the exchanges also are affected by the reforms. This issue brief compares the markets for individual coverage on and off of the exchanges, using insurers' most recent projections for ACA-compliant policies. In 2016, insurers expect that less than one-fifth of ACA-compliant coverage will be sold outside of the exchanges. Insurers that sell mostly through exchanges devote a greater portion of their premium dollars to medical care than do insurers selling only off of the exchanges, because exchange insurers project lower administrative costs and lower profit margins. Premium increases on exchange plans are less than those for off-exchange plans, in large part because exchange enrollment is projected to shift to closed-network plans. Finally, initial concerns that insurers might seek to segregate higher-risk subscribers on the exchanges have not been realized.

  2. Transparency, Trust and Security: An Evaluation of the Insurer's Precontractual Duties

    Directory of Open Access Journals (Sweden)

    Daleen Millard

    2014-12-01

    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

  3. Aggravation of Risk and Precautionary Measures in Non-Life Insurance: A Tricky Scope for the Insurer?

    Directory of Open Access Journals (Sweden)

    Olavi-Jüri Luik

    2015-12-01

    Full Text Available Aggravation of risk and failure to take precautionary measures are focal issues in non-life insurance in terms of potential partial or full release of the insurer from the duty to perform. Not infrequently, it is difficult to draw a line between the aggravation of risk on the one hand, and non-compliance with precautionary measures on the other, since a particular action by a policyholder may present both situations. At the same time, the legal remedies available to the insurer regarding these two situations are different in scope. The aggravation of risk and non-compliance with precautionary measures are precisely the bases on which insurers actually reduce indemnity or refuse to compensate for damages. This article explores the differences between insurance laws in the Baltic states—specifically, the Estonian Law of Obligations Act, the Latvian Insurance Contract Law and Lithuanian rules contained in the Civil Code and Insurance Law. The article explores the differences between the Baltic states’ insurance laws and the Principles of European Insurance Contract Law (PEICL with regard to a policyholder’s duty in relation to aggravation of risk and precautionary measures, as the rights and obligations of policyholders do change where the optional instrument is applied. The article also includes comparisons to German, Finnish and Russian insurance law.

  4. Layoffs and Unemployment Insurance.

    Science.gov (United States)

    1979-02-01

    34 American Economic Review , December 1976, p. 754. Daniel S. Hamermesh: "Unemployment Insurance and Labor Supply," Mimeo 1978. No attempt is made in this...Unemployment Insurance on Temporary Layoff Unemployment," American Economic Review , December 1978, p. 834. Terry Halpin: "The Effect of Unemployment

  5. Consumers’ Collision Insurance Decisions

    DEFF Research Database (Denmark)

    Austin, Laurel; Fischhoff, Baruch

    ), which refines EU theory to incorporate income and predicts that property insurance is a normal good; (b) a mental accounting model based on the idea that consumers budget their income across consumption categories (Thaler, 1985); and (c) the baseline, classic EU theory, which predicts that insurance...

  6. Forest insurance number.

    Science.gov (United States)

    Thornton T. Munger; H.B. Shepard

    1934-01-01

    This inquiry, originally conceived as an effort to determine definitely whether the existing lack of adequate and practical forest fire insurance facilities is in truth unavoidable and, if possible, to suggest means whereby the condition might be remedied, finds no apparent reason why successful forest fire insurance should not be possible as far as the loss situation...

  7. Social health insurance

    CERN Document Server

    International Labour Office. Geneva

    1997-01-01

    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.

  8. Unemployment Insurance and Inequality

    DEFF Research Database (Denmark)

    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...

  9. Health insurance for "frontaliers"

    CERN Multimedia

    2013-01-01

    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 “...

  10. 75 FR 32182 - Medicaid Program: Proposed Implementation of Section 614 of the Children's Health Insurance...

    Science.gov (United States)

    2010-06-07

    ... 614 of the Children's Health Insurance Program Reauthorization Act of 2009 (CHIPRA), Public Law 111-3... under the Children's Health Insurance Program under title XXI of the Social Security Act. In other... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF HEALTH AND...

  11. Health insurance basic actuarial models

    CERN Document Server

    Pitacco, Ermanno

    2014-01-01

    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...

  12. Individual insurance: health insurers try to tap potential market growth.

    Science.gov (United States)

    November, Elizabeth A; Cohen, Genna R; Ginsburg, Paul B; Quinn, Brian C

    2009-11-01

    Individual insurance is the only source of health coverage for people without access to employer-sponsored insurance or public insurance. Individual insurance traditionally has been sought by older, sicker individuals who perceive the need for insurance more than younger, healthier people. The attraction of a sicker population to the individual market creates adverse selection, leading insurers to employ medical underwriting--which most states allow--to either avoid those with the greatest health needs or set premiums more reflective of their expected medical use. Recently, however, several factors have prompted insurers to recognize the growth potential of the individual market: a declining proportion of people with employer-sponsored insurance, a sizeable population of younger, healthier people forgoing insurance, and the likelihood that many people receiving subsidies to buy insurance under proposed health insurance reforms would buy individual coverage. Insurers are pursuing several strategies to expand their presence in the individual insurance market, including entering less-regulated markets, developing lower-cost, less-comprehensive products targeting younger, healthy consumers, and attracting consumers through the Internet and other new distribution channels, according to a new study by the Center for Studying Health System Change (HSC). Insurers' strategies in the individual insurance market are unlikely to meet the needs of less-than-healthy people seeking affordable, comprehensive coverage. Congressional health reform proposals, which envision a larger role for the individual market under a sharply different regulatory framework, would likely supersede insurers' current individual market strategies.

  13. 76 FR 5248 - Insurer Reporting Requirements; Annual Insurer Report on Motor Vehicle Theft for the 2005...

    Science.gov (United States)

    2011-01-28

    ... passenger cars. The Act also addressed several other actions to reduce motor vehicle theft, such as... taken by insurers to assist in deterring thefts. Rental and leasing companies also are required to... leasing company to which this regulation applies must submit a report annually not later than October...

  14. 77 FR 23320 - Insurer Reporting Requirements; Annual Insurer Report on Motor Vehicle Theft for the 2006...

    Science.gov (United States)

    2012-04-18

    ... cars. The Act also addressed several other actions to reduce motor vehicle theft, such as increased... assist in deterring thefts. Rental and leasing companies also are required to provide annual theft reports to the agency. In accordance with 49 CFR 544.5, each insurer, rental and leasing company to...

  15. Insurance Coverage and Utilization at a Sexually Transmitted Disease Clinic in a Medicaid Expansion State.

    Science.gov (United States)

    Montgomery, Madeline C; Raifman, Julia; Nunn, Amy S; Bertrand, Thomas; Uvin, A Ziggy; Marak, Theodore; Comella, Jaime; Almonte, Alexi; Chan, Philip A

    2017-05-01

    In Rhode Island, the Patient Protection and Affordable Care Act has led to over 95% of the state's population being insured. We evaluated insurance coverage and barriers to insurance use among patients presenting for services at the Rhode Island sexually transmitted disease (STD) clinic. We analyzed factors associated with insurance coverage and utilization among patients presenting for STD services between July and December 2015. A total of 692 patients had insurance information available; of those, 40% were uninsured. Patients without insurance were more likely than those with insurance to be nonwhite (50% among uninsured, compared with 40% among insured; P = 0.014) and Hispanic or Latino/a (25%, compared with 16%; P = 0.006), and less likely to be men who have sex with men (27%, compared with 39%; P = 0.001). Of those with health insurance, 26% obtained coverage as a result of the Affordable Care Act, and 56% of those were previously uninsured. Among uninsured individuals, barriers to obtaining health insurance included cost and unemployment. Among those with insurance, 43% reported willingness to use insurance for STD services. Barriers to insurance use included concerns about anonymity and out-of-pocket costs. Despite expanded insurance access, many individuals presenting to the Rhode Island STD Clinic were uninsured. Among those who were insured, significant barriers still existed to using insurance. STD clinics continue to play an important role in providing safety-net STD services in states with low uninsured rates. Both public and private insurers are needed to address financial barriers and optimize payment structures for services.

  16. THEORETICAL ANALYSIS OF THE CONCEPT OF INSURANCE PORTFOLIO OF INSURER

    OpenAIRE

    Kondratenko, D.

    2014-01-01

    The article is devoted to the analysis of the different interpretations of the concept of "portfolio insurance". The examples of the essence understanding of the “portfolio insurance'' concept from the different scholars point of view was examined from the perspective of the aggregate insurance risks and the number of contracts or assets incepted for the insurance. The functions and principles of the insurance portfoli were designated. It has been established that the current legislation does...

  17. Deductibles in health insurance

    Science.gov (United States)

    Dimitriyadis, I.; Öney, Ü. N.

    2009-11-01

    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.

  18. Captive insurance companies.

    Science.gov (United States)

    Strauss, Peter

    2014-01-01

    The landscape of the business world is changing; and now, more than ever, business owners are recognizing that life is filled with risks: known risk, calculated risk, and unexpected risk. Every day, businesses thrive or fail based on understanding the risk of owning and operating their business, and business owners are recognizing that there are alternative risk financing mechanisms other than simply taking out a basket of standard coverage as recommended by your friendly neighborhood agent. A captive insurance company is an insurance company established to provide a broad range of risk management capabilities to affiliated companies. The captive is owned by the business owner and can provide insurance to the business for potential future losses, whether or not the losses are already covered by a commercial carrier or are "self-insured." The premiums paid by your business are tax deductible. Meanwhile, the premiums that your captive collects are tax-free up to $1.2 million annually.

  19. Group life insurance

    CERN Multimedia

    2013-01-01

    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)

  20. HUD Insured Hospitals

    Data.gov (United States)

    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...

  1. 76 FR 12082 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2011-03-04

    ... to the Health Insurance Portability and Accountability Act of 1996, applies to most such health... media is protected by appropriate hardware and software applications. Access authentication is...

  2. 77 FR 27739 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2012-05-11

    ...) issued pursuant to the Health Insurance Portability and Accountability Act of 1996, applies to most such... limited access facilities. Access to computer programs is controlled through software applications...

  3. Insurance Risks – Hedging Techniques

    OpenAIRE

    Botea Elena Mihaela; Sahlian Daniela Nicoleta; Stanila Oana Georgiana

    2011-01-01

    Insurance companies by their specific activity and by the variety of operations are exposed to a multitude of risks. We can say that the risk is the basic condition of the insurance. If there were no risks, there would be no insurance. Therefore, risk insurance is a specific element, being subject to any insurance contract. Seeking a definition for risk, one can say that “risk is a danger, a threat faced by goods, people, businesses and insurance companies may provide”. The insurance companie...

  4. CIVIL LIABILITY OF DOCTORS AND THEIR INSURANCE (MALPRACTICE

    Directory of Open Access Journals (Sweden)

    Gârbo Viorica Irina

    2013-07-01

    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

  5. Federal health insurance reform and "exchanges": recent history.

    Science.gov (United States)

    Brandon, William P; Carnes, Keith

    2014-02-01

    The major national innovation of the Affordable Care Act (ACA) is the insurance exchange or health insurance marketplace (HIM). We begin by briefly reviewing the ACA's chief features and detailing its HIM provisions. Section two explores the policy history of exchanges, beginning with Clinton's proposals and Massachusetts' Connector and concluding by contrasting the House-passed bill with one national exchange and the Senate bill with state-based exchanges. The Senate bill became the ACA. The evolution of policy ideas about exchanges suggests three critical conditions for a successful exchange: commodification (of insurance products), competition (between insurers), and communication (to potential buyers and the public about insurance). The penultimate section compares the rollout of the state-run Kentucky exchange and the federally facilitated exchange in North Carolina in light of what we will call the 3 Cs. The conclusion reflects more widely upon the unique form that the pro-competition or deregulatory strategy has taken in health policy.

  6. Early Experience of Financial Performance and Solvency of Medicaid-Focused Insurers Under ACA Expansion.

    Science.gov (United States)

    McCue, Michael J

    2016-08-16

    To allow for greater coverage of the uninsured, the Affordable Care Act expanded Medicaid coverage in 2014. Accessing financial data of state health insurers from the National Association of Insurance Commissioners, this data trend study compares the financial performance and solvency of Medicaid-focused health insurers prior to and after the first year expansion of Medicaid coverage. After the first year of Medicaid expansion, there was a significant increase in operating profit margin ratio for Medicaid-focused health insurers within expansion states. Lower medical loss ratio as well as no change in administrative costs contributed to this profitable position. The risk-based capital ratio for solvency increased significantly for health insurers in nonexpansion states while there was no change in this ratio for health insurers in expansion states. Conversely, the other important solvency ratio of cash flow margin increased significantly for health insurers in expansion states but not for insurers in nonexpansion states. © The Author(s) 2016.

  7. 78 FR 62362 - Sunshine Act Meeting

    Science.gov (United States)

    2013-10-21

    ... concerning the meeting may be directed to Mr. Robert E. Feldman, Executive Secretary of the Corporation, at 202-898-7043. Dated: October 1, 2013. Federal Deposit Insurance Corporation. Robert E....

  8. 76 FR 6134 - Sunshine Act Meeting

    Science.gov (United States)

    2011-02-03

    .... Robert E. Feldman, Executive Secretary of the Corporation, at 202-898-7043. Dated: January 31, 2011. Federal Deposit Insurance Corporation. Robert E. Feldman, Executive Secretary. [FR Doc. 2011-2445 Filed...

  9. 75 FR 57952 - Sunshine Act Meeting

    Science.gov (United States)

    2010-09-23

    ... directed to Mr. Robert E. Feldman, Executive Secretary of the Corporation, at (202) 898-7043. Dated: September 20, 2010. Federal Deposit Insurance Corporation. Robert E. Feldman, Executive Secretary....

  10. 75 FR 63181 - Sunshine Act Meeting

    Science.gov (United States)

    2010-10-14

    ... concerning the meeting may be directed to Mr. Robert E. Feldman, Executive Secretary of the Corporation, at (202) 898-7043. Dated: October 12, 2010. Federal Deposit Insurance Corporation. Robert E....

  11. 76 FR 2687 - Sunshine Act Meeting

    Science.gov (United States)

    2011-01-14

    ... directed to Mr. Robert E. Feldman, Executive Secretary of the Corporation, at 202-898-7043. Dated: January 11, 2011. Federal Deposit Insurance Corporation. Robert E. Feldman, Executive Secretary. BILLING...

  12. 77 FR 15754 - Sunshine Act Meeting Notice

    Science.gov (United States)

    2012-03-16

    ... information concerning the meeting may be directed to Mr. Robert E. Feldman, Executive Secretary of the Corporation, at 202-898-7043. Dated: March 13, 2012. Federal Deposit Insurance Corporation. Robert E....

  13. 76 FR 62406 - Sunshine Act Meeting

    Science.gov (United States)

    2011-10-07

    ... Relationships with, Hedge Funds and Private Equity Funds. The meeting will be held in the Board Room on the... Board of Directors. Discussion Agenda Memorandum re: Update of Projected Deposit Insurance Fund...

  14. 78 FR 21123 - Sunshine Act Meeting

    Science.gov (United States)

    2013-04-09

    .... Discussion Agenda: Memorandum re: Update of Projected Deposit Insurance Fund Losses, Income, and Reserve Ratios for the Restoration Plan. The meeting will be held in the Board Room on the sixth floor of...

  15. Is the Deposit Insurance Premium Pricing Consistent with Banks' Operating Performance?——An Analysis from the"Market Efficiency"Perspective%存保费测算与银行经营绩效评价结果一致吗?——基于"市场有效性"视角的探析

    Institute of Scientific and Technical Information of China (English)

    郑国忠; 贾雅琴

    2016-01-01

    In this paper, we measure China's commercial bank deposit insurance rate based on BS and SVJ op-tion models with the consideration of the regulatory tolerance or not. And combined with the idea of matching operating performance, we discuss the consistency between different models' pricing results and the performance. The empirical results indicate that for the same bank of different years, deposit insurance rate and volatility are positively related. Considering the influence of the regulatory tolerance or not mainly affects the quantity rather than the rankings of the bank deposit insurance rate. The measuring result of the option model only based on Brownian motion process exist un-derestimated risk,while the SVJ model pricing result is relatively reasonable. Deposit insurance premium rate and oper-ating performance are not so consistent. There exists a loss in the efficiency of stock market in our country, which causes the stock market information (price,etc.) can't fully and effectively reflect the business performance of enter-prises and the actual circumstances of the risk. It means that the lack of stock market quality and efficiency of informa-tion transmission,impedes the coordinated linkage of the internal information of the above-mentioned.%本文基于期权定价模型分别对考虑监管宽容与否两种情形下的银行存保费率进行定价;从"市场有效性"视角,首次结合匹配经营绩效的思路探讨了不同模型定价与经营绩效的一致性.结论表明:对同一银行不同年份而言,存保费率与波动率正相关.考虑监管宽容与否主要影响量值而不影响排序;BS模型所测费率存在低估风险,SVJ模型测算结果相对合理.存保费率排序与经营绩效不尽一致;股市仍存在一定的效率缺失,从而导致股市信息无法充分、有效地反映企业的经营绩效及风险方面的真实情况;基于股票市场数据出发的存保费率测算无法与基于"现货市场"(

  16. Health insurance exchanges bring potential opportunities.

    Science.gov (United States)

    Jacobs, M Orry; Eggbeer, Bill

    2012-11-01

    The introduction of the state health insurance exchanges, as provided for in the Affordable Care Act, has many strategic implications for healthcare providers: Unprecedented transparency; The "Walmart Effect", with patients playing a greater role as healthcare consumers; A rise in narrow networks spurred by low prices and narrow geographies; The potential end of the cross subsidy of Medicare and Medicaid by commercial plans; The possible end of not-for-profit status for hospitals

  17. 5 strategies for lessening the self-insurance impact of the ACA.

    Science.gov (United States)

    Frese, Richard C

    2014-05-01

    Many healthcare organizations use self-insurance programs to control professional liability and workers' compensation exposures, such as self-insured retention, a large deductible program, a trust fund, or a captive. The impact of the Affordable Care Act on self-insurance programs may take years to determine. Communication among all areas involved in the self-insurance program and the evaluation of different cost perspectives will be key to keeping the self-insurance program financially healthy. Empowering actuaries to create different scenarios also will help leaders stay on top of the issue.

  18. 44 CFR 63.3 - Requirement to be covered by a contract for flood insurance by June 1, 1988.

    Science.gov (United States)

    2010-10-01

    ... a contract for flood insurance by June 1, 1988. 63.3 Section 63.3 Emergency Management and... ACT OF 1968 General § 63.3 Requirement to be covered by a contract for flood insurance by June 1, 1988... flood insurance under this title—(i) on or before June 1, 1988” was met if presentation of...

  19. Demystifiying state health insurance marketplaces.

    Science.gov (United States)

    Hahn, Joyce A; Sheingold, Brenda Helen; Ott, Karen M

    2013-01-01

    The state health insurance exchanges, mandated under the Patient Protection and Affordable Care Act, will impact how health care is delivered and reimbursed, and will touch the lives of nurses in all professional roles. The dynamics of how each model will operate within each state is currently a work in progress. Nurses have a tradition of providing voice and leadership in the health care reform arena from the unique position as both consumers and health care professionals. The time is right to contact state legislators and advocate for nurses to sit on the governing boards of the state health care exchanges. Communication between nurses in all states should be an ongoing dialogue through specialty and state nursing organizations to ensure nursing is aware of both issues and best practices nationwide.

  20. California bonanza? Providers and insurers cheer mandatory health insurance law, but business interests look at legal challenge to newly signed bill.

    Science.gov (United States)

    Reilly, Patrick

    2003-10-13

    Consider it Gov. Gray Davis' going-away present to the state's hospitals, insurers and physician groups. The California Health Insurance Act of 2003 could mean increased revenue for hospitals. Doctors like Brian Johnston, left, say the bill has been a long time coming and are pleased with the legislation, but others are concerned about what effects the mandatory insurance law will have on small businesses.

  1. Dental insurance! Are we ready?

    Directory of Open Access Journals (Sweden)

    Ravi SS Toor

    2011-01-01

    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.

  2. Dental insurance! Are we ready?

    Science.gov (United States)

    Toor, Ravi S S; Jindal, R

    2011-01-01

    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.

  3. Serbian insurance market: Select issues

    Directory of Open Access Journals (Sweden)

    Obadović Mirjana M.

    2010-01-01

    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.

  4. ENDOWMENT LIFE INSURANCE

    Directory of Open Access Journals (Sweden)

    Zeljko Sain

    2013-06-01

    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.

  5. Group Life Insurance

    CERN Multimedia

    2013-01-01

    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 &...

  6. 22 CFR 151.7 - Policy terms consistent with the Act.

    Science.gov (United States)

    2010-04-01

    ... LIABILITY INSURANCE FOR DIPLOMATIC MISSIONS AND PERSONNEL § 151.7 Policy terms consistent with the Act. (a) The insurance shall be construed in conformity with the Act. In particular, no effect shall be given...) In the absence of fraud or collusion, that the insured has violated a term of the contract, unless...

  7. EFFICIENCY OF THE INVESTMENT STRATEGY OF THE INSURANCE COMPANIES IN UKRAINE

    Directory of Open Access Journals (Sweden)

    R. Pikus

    2015-04-01

    Full Text Available The article explores the theoretical basis for the formation of an effective investment strategy of the insurance company. It was determined that, depending on the insurer’s conduct and risk factor and yield of funds, investment strategy can be aggressive, moderate and conservative. The main factors that characterize conservative, aggressive and moderately conservative investment strategy are defined. The characteristic of the structure of the investment portfolio of domestic insurance companies is determined. There are insurance companies which conduct an aggressive, conservative and moderately conservative investment strategy. In the article defined the main directions of investments of insurance companies in Ukraine which include bank deposits, government securities and shares. Determined that majority of insurance companies in the insurance market of Ukraine followed a conservative investment strategy which is the least risky. It is noted that in view of difficult economic situation in Ukraine, insurance companies need to develop an effective investment strategy to ensure their ability to pay.

  8. Constant Proportion Portfolio Insurance

    DEFF Research Database (Denmark)

    Jessen, Cathrine

    2014-01-01

    Portfolio insurance, as practiced in 1987, consisted of trading between an underlying stock portfolio and cash, using option theory to place a floor on the value of the position, as if it included a protective put. Constant Proportion Portfolio Insurance (CPPI) is an option-free variation...... 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...

  9. Medical Care Insurance for Disabled People Acting Coordinately with Social Insurance ;Reform--Exploration Based on the Practice of Changchun City%失能人员医疗照护保险彰显改革呼应感--基于长春市的实践探索

    Institute of Scientific and Technical Information of China (English)

    张宝琦

    2015-01-01

    长春市探索建立的医疗照护保险适应了老龄化社会对失能人员社会照护的需求,失能人员和他们的亲属在精神和经济上的双重负担有效减轻,填补了社会保险的一项制度空白。与此同时还初步形成一支专业化的照护队伍,带动了社会养老机构、职业教育和技能培训的发展,并成为一条新的就业渠道,一举多得。%The exploration of establishing a nursing care insurance in Changchun has met the social needs of disabled care in a aging society. It has not only filled a gap in social insurance system, but also reduced the spiritual and economical burden of the disabled and their relatives. At the same time, it has established a professional care team, which drives the development of social aged-care institutions, vocational education and skills training, and has brought new employment opportunities. As a result, multiple effects have been obtained.

  10. Lectures on insurance models

    CERN Document Server

    Ramasubramanian, S

    2009-01-01

    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.

  11. 12 CFR 347.208 - Assessment base deductions by insured branch.

    Science.gov (United States)

    2010-01-01

    ... STATEMENTS OF GENERAL POLICY INTERNATIONAL BANKING Foreign Banks § 347.208 Assessment base deductions by insured branch. Deposits in an insured branch to the credit of the foreign bank or any of its offices, branches, agencies, or wholly owned subsidiaries may be deducted from the assessment base of the...

  12. Self Insurance and Other Trends in Insurance Management.

    Science.gov (United States)

    Addicks, R. C., Jr.

    When determining a school system insurance program, the school board should first set a general insurance management policy statement for administrators to carry out. Next an overview of all the system operations must be made. The risks must then be quantified in terms of all potential financial loss. When designing an insurance program, the…

  13. The Phenomenon of Insurance Fraud

    National Research Council Canada - National Science Library

    Corina-Maria Tonenciuc

    2015-01-01

      What is fraud in insurance and typology? Insurance fraud undermines the entire system and because of the fraudulent applications and claims of the fraudsters,the funds made from the payments of many honest clients may run out...

  14. Insurance, risk, and magical thinking.

    Science.gov (United States)

    Tykocinski, Orit E

    2008-10-01

    The possession of an insurance policy may not only affect the severity of a potential loss but also its perceived probability. Intuitively, people may feel that if they are insured nothing bad is likely to happen, but if they do not have insurance they are at greater peril. In Experiment 1, respondents who were reminded of their medical insurance felt they were less likely to suffer health problems in the future compared to people who were not reminded of their medical insurance. In Experiment 2a, participants who were unable to purchase travel insurance judged the probability of travel-related calamities higher compared to those who were insured. These results were replicated in Experiment 3a in a simulation of car accident insurance. The findings are explained in terms of intuitive magical thinking, specifically, the negative affective consequences of "tempting fate" and the sense of safety afforded by the notion of "being covered."

  15. BUSINESS INTELLIGENCE FOR INSURANCE COMPANIES

    Directory of Open Access Journals (Sweden)

    A. Ignatiuk

    2016-06-01

    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.

  16. INSURANCE REQUIREMENTS ANDPRACTICES OF ETHIOPIA'S ...

    African Journals Online (AJOL)

    whether relevant insurance policies are bought by contracting .... of good practice to be used as a design aid by engineers. ... assumptions, procedure .of analysis and provides facts. and ..... work to assess whether the concept of insurance is.

  17. Macro Economy Blooms the Life Insurance Companies in India: An Overview

    Directory of Open Access Journals (Sweden)

    Kartheeswari S

    2012-11-01

    Full Text Available In India, Insurance has been synonymous with LIC. Life Insurance Corporation (LIC was created as an entity in 1956 through LIC Act. The presence of new players in the market has no doubt resulted in enhanced product innovation, distribution models, better services and value added benefits. The significant components of expansion in the life sector have been the enormous growth in unit linked insurance plans and allied services. Though LIC of India require time to adopt themselves to the competitive environment and the associated contemporary structural changes, the post-deregulation period has seen greater diversification in the product offerings with added emphasis on marketing and distribution strategies. Now, insurance is driving the infrastructure sector by increasing investments each year. Further, insurance has boosted the employment scenario in India by providing direct as well as indirect employment opportunities[1]. The insurance market depends on a variety of economic and non-economic factors, and the future performance is difficult to predict. It has been observed that there is a significant relationship between the demand for life insurance and various macroeconomic variables. High growth of GDP induces an economic effect through higher per-capita and disposable income and savings, which in turn create a favourable market demand for life insurance. On the other hand, life insurance also gives support to the capital market and savings of Indian life insurance business. Data pertaining to Indian life insurance and macroeconomic variables broadly indicate a close relationship and interdependence between economic variables and life insurance demand.

  18. JURISTIC OBSTACLE IN DECLARING BANKRUPTCY AGAINST INSURANCE COMPANY WHICH FAIL TO SETTLE ITS DEBT LIABILITY

    Directory of Open Access Journals (Sweden)

    Ali Imron

    2017-03-01

    Full Text Available Legal obligation to pay compensation of an insurance company arise immediatelyafter the evenement occurred, if this obligation not being settled right away it can becategorized as “fall due debt” and “claimable”, and this can be used as a reason to proposebankruptcy application. The creditor’s fundamental rights practically impeded by Section 2article (5 of Insolvency Act, which give absolute authority to Minister of Finance in proposingbankruptcy application for insurance company. This authority is attached to the status of Ministerof Finance as the guider and supervisor of insurance institution in Indonesia, but this authorityoften might reduce people’s trust to insurance institution itself if it is not used carefully andwisely. For the sake of law and justice, Minister of Finance should acts proportionally if thebankruptcy application doesn’t have enough reason, according to Minister’s authority in thecase of bankruptcy application for insurance company against their insured and other creditors.

  19. 78 FR 17176 - Federal Acquisition Regulation; Defense Base Act

    Science.gov (United States)

    2013-03-20

    ... Act as extended by the Defense Base Act. II. Discussion and Analysis The Defense Base Act of 1941...-insurer; to submit a timely, written report to the Department of Labor (DOL) in the event of an employee's... (Defense Base Act), merely clarify the existing requirements set forth in the Defense Base Act of 1941...

  20. CHIP Reauthorization Act of 2009 (CHIPRA)

    Data.gov (United States)

    U.S. Department of Health & Human Services — One of the clear goals of the Childrens Health Insurance Program Reauthorization Act of 2009 is to support states in developing efficient and effective strategies to...

  1. PREMIUMS CALCULATION FOR LIFE INSURANCE

    Directory of Open Access Journals (Sweden)

    ANA PREDA

    2012-10-01

    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.

  2. Minimum Value of Eligible Employer-Sponsored Plans and Other Rules Regarding the Health Insurance Premium Tax Credit. Final regulations.

    Science.gov (United States)

    2015-12-18

    This document contains final regulations on the health insurance premium tax credit enacted by the Patient Protection and Affordable Care Act and the Health Care and Education Reconciliation Act of 2010, as amended by the Medicare and Medicaid Extenders Act of 2010, the Comprehensive 1099 Taxpayer Protection and Repayment of Exchange Subsidy Overpayments Act of 2011, and the Department of Defense and Full-Year Continuing Appropriations Act, 2011. These final regulations affect individuals who enroll in qualified health plans through Affordable Insurance Exchanges (Exchanges, sometimes called Marketplaces) and claim the health insurance premium tax credit, and Exchanges that make qualified health plans available to individuals and employers.

  3. HOUSING INSURANCE IN ROMANIA

    Directory of Open Access Journals (Sweden)

    FLOREA IANC MARIA MIRABELA

    2014-12-01

    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.

  4. Voluntary Public Unemployment Insurance

    DEFF Research Database (Denmark)

    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...

  5. Property insurance loss distributions

    Science.gov (United States)

    Burnecki, Krzysztof; Kukla, Grzegorz; Weron, Rafał

    2000-11-01

    Property claim services (PCS) provides indices for losses resulting from catastrophic events in the US. In this paper, we study these indices and take a closer look at distributions underlying insurance claims. Surprisingly, the lognormal distribution seems to give a better fit than the Paretian one. Moreover, lagged autocorrelation study reveals a mean-reverting structure of indices returns.

  6. Need Health Insurance?

    Centers for Disease Control (CDC) Podcasts

    2013-12-23

    Sign up for affordable health insurance with free preventive services available beginning October 1, 2013 through March 31, 2014.  Created: 12/23/2013 by Office of the Associate Director for Policy (OADP), Office of the Associate Director for Communication (OADC).   Date Released: 12/23/2013.

  7. Retirement with Perfect Insurance

    NARCIS (Netherlands)

    G.J. Kula (Grzegorz)

    2003-01-01

    textabstractThis paper focuses on the relation between worker's productivity and retirement decision. Assuming that productivity follows geometric Brownian motion with drift, there exists such a level of productivity for which it is optimal to retire. The worker buys an insurance, which gives a cons

  8. Insurance Incentives for Health Promotion.

    Science.gov (United States)

    Hosokawa, Michael C.

    1984-01-01

    To reduce the cost of reimbursements, many insurance companies have begun to use insurance incentives as a way to motivate individuals to participate in health promotion activities. Traditional health education, research and demonstration, and policy-premium incentives are methods of health promotion used by life and health insurance companies.…

  9. 75 FR 24928 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2010-05-06

    ... 6025.18-R) issued pursuant to the Health Insurance Portability and Accountability Act of 1996 applies... have appropriate Information Assurance training, Privacy Act training, and Health Insurance Portability..., social history, behavioral, economic, education/training history, name, Social Security Number (SSN...

  10. A COMPARATIVE ANALYSIS BETWEEN UNIT-LINKED LIFE INSURANCE AND OTHER ALTERNATIVE INVESTMENTS

    Directory of Open Access Journals (Sweden)

    CRISTINA CIUMAS

    2015-07-01

    Full Text Available The unit-linked life insurance has two important components: protection and investment. The protection component refers to the insured sum in case of the occurrence of insured risks and the investment component refers to the policyholder’s account that represents the present value of the units from the chosen investment funds.These financial products invest most of the premium paid by the insured person in the funds managed by the insurance company or an external administrator and the lower part of the premium is intended to cover the insured risk (death, disability, etc. An important component of the activity carried out by the insurance companies is the investment of the premiums paid by policyholders in various types of assets, in order to obtain higher yields than those guaranteed by the insurance contracts, while providing the necessary liquidity for the payment of insurance claims in case of occurrence of the assumed risks. This research contributes to the existing literature regarding the study of investment alternatives, with an exclusive focus on the investment in unit-linked life insurance. A special place in this study is the presentation of investments in unit-linked insurance versus other types of financial investments: deposits, treasury bills, shares (BET, currency (EURO and gold.

  11. Health Insurance without Single Crossing

    DEFF Research Database (Denmark)

    Boone, Jan; Schottmüller, Christoph

    2017-01-01

    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...

  12. Insurance adaptation to extreme weather

    Energy Technology Data Exchange (ETDEWEB)

    Wakeford, C. [Institute for Catastrophic Loss Reduction, Toronto, ON (Canada)

    2005-07-01

    This paper examined the role of climate change as a catalyst for specific changes in insurance practices. The presentation addressed how insurance companies are adapting behaviours in response to increasing climate variability and growth in severe weather damage. It discussed ancient examples of insurance as well as more modern insurance practices. Statistics on the number of disasters, global natural disaster economic and insured losses and infrastructure spending are presented. Internal adaptation such as prospective underwriting and incentives and external adaptation such as working with governments and organizations and individuals were also discussed. It was concluded that directions for the future include continued research, heightened awareness and more resilient communities. 3 tabs.

  13. Self-insurance and the potential effects of health reform on the small-group market.

    Science.gov (United States)

    Linehan, Kathryn

    2010-12-21

    The Patient Protection and Affordable Care Act (PPACA) as amended by the Health Care Education Reconciliation Act of 2010 makes landmark changes to health insurance markets. Individual and small-group insurance plans and markets will see the biggest changes, but PPACA also affects large employer and self-insured plans by imposing rules for benefit design and health plan practices. Over half of workers--most often those in very large firms--are covered by self-insured health plans in which employers (or employee groups) bear all or some of the risk of providing insurance coverage to a defined population of workers and their dependents. As PPACA provisions become effective, some have argued that smaller firms that offer insurance may opt to self-insure their health benefits because of new small-group market rules. Such a shift could affect risk pooling in the small-group market. This paper examines the definition and prevalence of self-insured health plans, the application of PPACA provisions to these plans, and the possible effects on the broader health insurance market, should many more employers decide to self-insure.

  14. Insurance against climate change and flood risk: Insurability and decision processes of insurers

    Science.gov (United States)

    Hung, Hung-Chih; Hung, Jia-Yi

    2016-04-01

    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

  15. Modern problems in insurance mathematics

    CERN Document Server

    Martin-Löf, Anders

    2014-01-01

    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.

  16. [Medical insurance estimation of risks].

    Science.gov (United States)

    Dunér, H

    1975-11-01

    The purpose of insurance medicine is to make a prognostic estimate of medical risk-factors in persons who apply for life, health, or accident insurance. Established risk-groups with a calculated average mortality and morbidity form the basis for premium rates and insurance terms. In most cases the applicant is accepted for insurance after a self-assessment of his health. Only around one per cent of the applications are refused, but there are cases in which the premium is raised, temporarily or permanently. It is often a matter of rough estimate, since the knowlege of the long-term prognosis for many diseases is incomplete. The insurance companies' rules for estimate of risk are revised at intervals of three or four years. The estimate of risk as regards life insurance has been gradually liberalised, while the medical conditions for health insurance have become stricter owing to an increase in the claims rate.

  17. Insurance and prevention: ethical aspects.

    Science.gov (United States)

    Dubois, Mikael

    2011-02-01

    In recent decades, prevention policies--i.e., insurance policies constructed to give incentives to investments in prevention and thereby reduce reliance on insurance--have been much discussed both with regard to different kinds of market insurance and, albeit primarily within a European context and in relation to an ongoing discussion about the need for a shift towards an "active" welfare state, with regard to social insurance. The present contribution identifies normative issues that deserve attention in relation to a general introduction of prevention policies in market insurance and social insurance. It is argued that the importance of these normative issues suggests that arguments and distinctions drawn from moral and political philosophy should play a more prominent role both in the debate on the shift towards an active welfare state and the use of prevention policies in market insurance.

  18. 26 CFR 1.804-4 - Investment yield of a life insurance company.

    Science.gov (United States)

    2010-04-01

    ... in any way by the enactment of the Life Insurance Company Income Tax Act of 1959 (73 Stat. 112...) INCOME TAX (CONTINUED) INCOME TAXES Investment Income § 1.804-4 Investment yield of a life insurance... income and excess profits taxes, if any. In cases where the investment expenses allowable as deductions...

  19. 24 CFR 242.48 - Insured advances for certain equipment and long lead items.

    Science.gov (United States)

    2010-04-01

    ... necessary to meet the requirements of the overall construction schedule cited in the construction contract. ... HOUSING ACT AND OTHER AUTHORITIES MORTGAGE INSURANCE FOR HOSPITALS Construction § 242.48 Insured advances... equipment or other construction materials for which a manufacturer, fabricator, or other source requires...

  20. The Impact of Health Insurance Reform on Insurance Instability

    Science.gov (United States)

    Freund, KM; Isabelle, AP; Hanchate, A; Kalish, RL; Kapoor, A; Bak, S; Mishuris, RG; Shroff, S; Battaglia, TA

    2015-01-01

    We investigated the impact of the 2006 Massachusetts health care reform on insurance coverage and stability among minority and underserved women. We examined 36 months of insurance claims among 1,946 women who had abnormal cancer screening at six Community Health Centers pre-(2004–2005) and post-(2007–2008) insurance reform. We examined frequency of switches in insurance coverage as measures of longitudinal insurance instability. On the date of their abnormal cancer screening test, 36% of subjects were publicly insured and 31% were uninsured. Post-reform, the percent ever uninsured declined from 39% to 29% (p.001) and those consistently uninsured declined from 23% to 16%. To assess if insurance instability changed between the pre- and post-reform periods, we conducted Poisson regression models, adjusted for patient demographics and length of time in care. These revealed no significant differences from the pre- to post-reform period in annual rates of insurance switches, incident rate ratio 0.98 (95%-CI 0.88–1.09). Our analysis is limited by changes in the populations in the pre and post reform period and inability to capture care outside of the health system network. Insurance reform increased stability as measured by decreasing uninsured rates without increasing insurance switches. PMID:24583490

  1. The impact of health insurance reform on insurance instability.

    Science.gov (United States)

    Freund, Karen M; Isabelle, Alexis P; Hanchate, Amresh D; Kalish, Richard L; Kapoor, Alok; Bak, Sharon; Mishuris, Rebecca G; Shroff, Swati M; Battaglia, Tracy A

    2014-02-01

    We investigated the impact of the 2006 Massachusetts health care reform on insurance coverage and stability among minority and underserved women. We examined 36 months of insurance claims among 1,946 women who had abnormal cancer screening at six community health centers pre-(2004-2005) and post-(2007-2008) insurance reform. We examined frequency of switches in insurance coverage as measures of longitudinal insurance instability. On the date of their abnormal cancer screening test, 36% of subjects were publicly insured and 31% were uninsured. Post-reform, the percent ever uninsured declined from 39% to 29% (p .001) and those consistently uninsured declined from 23% to 16%. To assess if insurance instability changed between the pre- and post-reform periods, we conducted Poisson regression models, adjusted for patient demographics and length of time in care. These revealed no significant differences from the pre- to post-reform period in annual rates of insurance switches, incident rate ratio 0.98 (95%- CI 0.88-1.09). Our analysis is limited by changes in the populations in the pre- and post-reform period and inability to capture care outside of the health system network. Insurance reform increased stability as measured by decreasing uninsured rates without increasing insurance switches.

  2. Insuring wind energy production

    Science.gov (United States)

    D'Amico, Guglielmo; Petroni, Filippo; Prattico, Flavio

    2017-02-01

    This paper presents an insurance contract that the supplier of wind energy may subscribe in order to immunize the production of electricity against the volatility of the wind speed process. The other party of the contract may be any dispatchable energy producer, like gas turbine or hydroelectric generator, which can supply the required energy in case of little or no wind. The adoption of a stochastic wind speed model allows the computation of the fair premium that the wind power supplier has to pay in order to hedge the risk of inadequate output of electricity at any time. Recursive type equations are obtained for the prospective mathematical reserves of the insurance contract and for their higher order moments. The model and the validity of the results are illustrated through a numerical example.

  3. Insurance with frequent trading

    OpenAIRE

    José Penalva

    1997-01-01

    This paper looks at the dynamic management of risk in an economy with discrete time consumption and endowments and continuous trading. I study how agents in such an economy deal with all the risk in the economy and attain their Pareto optimal allocations by trading in a few natural securities: private insurance contracts and a common set of derivatives on the aggregate endowment. The parsimonious nature of the implied securities needed for Pareto optimality suggests that in such contexts comp...

  4. Life insurance mathematics

    CERN Document Server

    Gerber, Hans U

    1997-01-01

    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.

  5. The Role of Public Health Insurance in Reducing Child Poverty.

    Science.gov (United States)

    Wherry, Laura R; Kenney, Genevieve M; Sommers, Benjamin D

    2016-04-01

    Over the past 30 years, there have been major expansions in public health insurance for low-income children in the United States through Medicaid, the Children's Health Insurance Program (CHIP), and other state-based efforts. In addition, many low-income parents have gained Medicaid coverage since 2014 under the Affordable Care Act. Most of the research to date on health insurance coverage among low-income populations has focused on its effect on health care utilization and health outcomes, with much less attention to the financial protection it offers families. We review a growing body of evidence that public health insurance provides important financial benefits to low-income families. Expansions in public health insurance for low-income children and adults are associated with reduced out of pocket medical spending, increased financial stability, and improved material well-being for families. We also review the potential poverty-reducing effects of public health insurance coverage. When out of pocket medical expenses are taken into account in defining the poverty rate, Medicaid plays a significant role in decreasing poverty for many children and families. In addition, public health insurance programs connect families to other social supports such as food assistance programs that also help reduce poverty. We conclude by reviewing emerging evidence that access to public health insurance in childhood has long-term effects for health and economic outcomes in adulthood. Exposure to Medicaid and CHIP during childhood has been linked to decreased mortality and fewer chronic health conditions, better educational attainment, and less reliance on government support later in life. In sum, the nation's public health insurance programs have many important short- and long-term poverty-reducing benefits for low-income families with children.

  6. Life Insurance Contribution, Insurance Development and Economic Growth in China

    Directory of Open Access Journals (Sweden)

    Wang Ying

    2017-07-01

    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.

  7. 77 FR 4734 - Servicemembers' Group Life Insurance-Stillborn Child Coverage

    Science.gov (United States)

    2012-01-31

    ... Veterans' Benefits Improvement Act of 2008, Public Law 110-389, expanded the definition of ``insurable... affect in a material way the economy, a sector of the economy, productivity, competition, jobs,...

  8. Optimal social insurance with linear income taxation

    DEFF Research Database (Denmark)

    Bovenberg, Lans; Sørensen, Peter Birch

    2009-01-01

    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 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....

  9. What Can Massachusetts Teach Us about National Health Insurance Reform?

    Science.gov (United States)

    Couch, Kenneth A., Ed.; Joyce, Theodore J., Ed.

    2011-01-01

    The Patient Protection and Affordable Care Act (PPACA) is the most significant health policy legislation since Medicare in 1965. The need to address rising health care costs and the lack of health insurance coverage is widely accepted. Health care spending is approaching 17 percent of gross domestic product and yet 45 million Americans remain…

  10. 28 CFR 25.55 - Responsibilities of insurance carriers.

    Science.gov (United States)

    2010-07-01

    ... contain the following information: (1) The name, address, and contact information for the reporting entity... individual or entity acting as an insurance carrier conducting business within the United States shall... salvage automobile; (4) The name of the individual or entity from whom the automobile was obtained and...

  11. Analysis of the Clean Air Act Amendments of 1990: A forecast of the electric utility industry response to Title IV, Acid Deposition Control

    Energy Technology Data Exchange (ETDEWEB)

    Molburg, J.C.; Fox, J.A.; Pandola, G.; Cilek, C.M.

    1991-10-01

    The Clean Air Act Amendments of 1990 incorporate, for the first time, provisions aimed specifically at the control of acid rain. These provisions restrict emissions of sulfur dioxide (SO{sub 2}) and oxides of nitrogen (NO{sub x}) from electric power generating stations. The restrictions on SO{sub 2} take the form of an overall cap on the aggregate emissions from major generating plants, allowing substantial flexibility in the industry`s response to those restrictions. This report discusses one response scenario through the year 2030 that was examined through a simulation of the utility industry based on assumptions consistent with characterizations used in the National Energy Strategy reference case. It also makes projections of emissions that would result from the use of existing and new capacity and of the associated additional costs of meeting demand subject to the emission limitations imposed by the Clean Air Act. Fuel-use effects, including coal-market shifts, consistent with the response scenario are also described. These results, while dependent on specific assumptions for this scenario, provide insight into the general character of the likely utility industry response to Title IV.

  12. Analysis of the Clean Air Act Amendments of 1990: A forecast of the electric utility industry response to Title IV, Acid Deposition Control

    Energy Technology Data Exchange (ETDEWEB)

    Molburg, J.C.; Fox, J.A.; Pandola, G.; Cilek, C.M.

    1991-10-01

    The Clean Air Act Amendments of 1990 incorporate, for the first time, provisions aimed specifically at the control of acid rain. These provisions restrict emissions of sulfur dioxide (SO[sub 2]) and oxides of nitrogen (NO[sub x]) from electric power generating stations. The restrictions on SO[sub 2] take the form of an overall cap on the aggregate emissions from major generating plants, allowing substantial flexibility in the industry's response to those restrictions. This report discusses one response scenario through the year 2030 that was examined through a simulation of the utility industry based on assumptions consistent with characterizations used in the National Energy Strategy reference case. It also makes projections of emissions that would result from the use of existing and new capacity and of the associated additional costs of meeting demand subject to the emission limitations imposed by the Clean Air Act. Fuel-use effects, including coal-market shifts, consistent with the response scenario are also described. These results, while dependent on specific assumptions for this scenario, provide insight into the general character of the likely utility industry response to Title IV.

  13. 12 CFR 303.243 - Brokered deposit waivers.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Brokered deposit waivers. 303.243 Section 303.243 Banks and Banking FEDERAL DEPOSIT INSURANCE CORPORATION PROCEDURE AND RULES OF PRACTICE FILING... brokered deposits in the institution's overall funding and liquidity management program; (3) The...

  14. 76 FR 47190 - Privacy Act of 1974; Report of Modified or Altered System

    Science.gov (United States)

    2011-08-04

    ... of 2002; the Computer Fraud and Abuse Act of 1986; the Health Insurance Portability and... Fraud and Abuse Act of 1986; the Health Insurance Portability and Accountability Act of 1996; the E... the scope of published routine uses number 8 and 9, authorizing disclosures to combat fraud and abuse...

  15. Health insurance tax credits, the earned income tax credit, and health insurance coverage of single mothers.

    Science.gov (United States)

    Cebi, Merve; Woodbury, Stephen A

    2014-05-01

    The Omnibus Budget Reconciliation Act of 1990 enacted a refundable tax credit for low-income working families who purchased health insurance coverage for their children. This health insurance tax credit (HITC) existed during tax years 1991, 1992, and 1993, and was then rescinded. A difference-in-differences estimator applied to Current Population Survey data suggests that adoption of the HITC, along with accompanying increases in the Earned Income Tax Credit (EITC), was associated with a relative increase of about 4.7 percentage points in the private health insurance coverage of working single mothers with high school or less education. Also, a difference-in-difference-in-differences estimator, which attempts to net out the possible influence of the EITC increases but which requires strong assumptions, suggests that the HITC was responsible for about three-quarters (3.6 percentage points) of the total increase. The latter estimate implies a price elasticity of health insurance take-up of -0.42.

  16. The Effect of Child Health Insurance Access on Schooling: Evidence from Public Insurance Expansions. NBER Working Paper No. 20178

    Science.gov (United States)

    Cohodes, Sarah; Kleiner, Samuel; Lovenheim, Michael F.; Grossman, Daniel

    2014-01-01

    Public health insurance programs comprise a large share of federal and state government expenditure, and these programs are due to be expanded as part of the 2010 Affordable Care Act. Despite a large literature on the effects of these programs on health care utilization and health outcomes, little prior work has examined the long-term effects of…

  17. The Effect of Child Health Insurance Access on Schooling: Evidence from Public Insurance Expansions. NBER Working Paper No. 20178

    Science.gov (United States)

    Cohodes, Sarah; Kleiner, Samuel; Lovenheim, Michael F.; Grossman, Daniel

    2014-01-01

    Public health insurance programs comprise a large share of federal and state government expenditure, and these programs are due to be expanded as part of the 2010 Affordable Care Act. Despite a large literature on the effects of these programs on health care utilization and health outcomes, little prior work has examined the long-term effects of…

  18. Bankruptcy as Implicit Health Insurance

    OpenAIRE

    Neale Mahoney

    2012-01-01

    This paper examines the interaction between health insurance and the implicit insurance that people have because they can file (or threaten to file) for bankruptcy. With a simple model that captures key institutional features, I demonstrate that the financial risk from medical shocks is capped by the assets that could be seized in bankruptcy. For households with modest seizable assets, this implicit “bankruptcy insurance” can crowd out conventional health insurance. I test these predictions u...

  19. Insurance Giants Join In

    Institute of Scientific and Technical Information of China (English)

    2008-01-01

    Opinions differ over the wisdom of insurance companies that have invested in the Beijing-Shanghai high-speed railway program After more than 10 years of careful ex- amination and research,construction of the Beijing-Shanghai high-speed railway will start soon.The line, which is expected to begin operation in 2010,will be built with the most advanced technology and the highest single investment in China’s railway building history. The budget for the 1,318-km track is about

  20. Do more health insurance options lead to higher wages? Evidence from states extending dependent coverage.

    Science.gov (United States)

    Dillender, Marcus

    2014-07-01

    Little is known about how health insurance affects labor market decisions for young adults. This is despite the fact that expanding coverage for people in their early 20s is an important component of the Affordable Care Act. This paper studies how having an outside source of health insurance affects wages by using variation in health insurance access that comes from states extending dependent coverage to young adults. Using American Community Survey and Census data, I find evidence that extending health insurance to young adults raises their wages. The increases in wages can be explained by increases in human capital and the increased flexibility in the labor market that comes from people no longer having to rely on their own employers for health insurance. The estimates from this paper suggest the Affordable Care Act will lead to wage increases for young adults. Copyright © 2014 Elsevier B.V. All rights reserved.

  1. Absence of appropriate hospitalization cost control for patients with medical insurance: a comparative analysis study.

    Science.gov (United States)

    Pan, Xilong; Dib, Hassan H; Zhu, Minmin; Zhang, Ying; Fan, Yang

    2009-10-01

    Expose the weak loops in the Chinese medical insurance coverage and uncover hospitals' role of over-pricing hospitalized insured patients compared with those non-insured. A multi-linear regression method was used to analyze hospitalization expense for insured and uninsured patients with uncomplicated acute appendicitis, cholecystitis, benign uterine tumors, and normal delivery. Hospitalization cost is higher among insured than uninsured patients due to longer hospitalization lengths of stay, type of disease (highest among cholecystitis patients), type of gender - females, old-aged people, and type of marital status - singles, as well as drugs expenses, surgical expenses, and other medical acts. Require a better government's supervision system over medical insurance expenses such as reforming methods of payments, building up new cost compensation mechanism, and unifying and stabilizing prices for each category of medicines.

  2. Financial Convergence Analysis: Implication for Insurance and Pension Markets

    Directory of Open Access Journals (Sweden)

    Natalia P. Kuznetsova

    2016-06-01

    Full Text Available The proposed paper is one of a set of articles dedicated to the new phenomenon in the global and national financial markets – financial convergence – and is focused on theoretical issues. The hypothesis of the article is to argue whether the financial convergence determines the directions of financial market (namely, insurance and pension sectors development. Adequately the goal of this paper is to analyze the existence of convergence processes in the insurance and pension markets. Methods of systematic and logical analysis are used. In the first part authors give brief history of the convergence phenomenon research. Then the paper analyses influence of financial convergence on insurance and pension markets, manifested in the following effects: mix of financial institutions functions; distribution channels advantages, increase of insurance and pension funds companies’ competitiveness; governance models convergence. The major results of the study are: demographic shifts in different developed and emerging markets countries caused the need to reform the social security systems and public pension schemes and refocus them to the market-based financial convergence model; pension funds, acting as institutional investors, are the leading players in the contemporary global financial market; competition at the financial market causes the expansion of a number of services offered by various organizations: banks, insurance companies, pension funds and so on, which offer a wide range of services not directly related to their core businesses; the mixing of financial institutions functions from the insurance, pension and banking sectors, increased competition for customers at the national and global financial market.

  3. Maritime insurance as a way to struggle piracy

    Directory of Open Access Journals (Sweden)

    Ekaterina S. Anyanova

    2016-09-01

    Full Text Available Objective to research the features of maritime insurance from the viewpoint of fighting piracy at international level and to define the ways to improve the legal norms in this sphere. Methods dialectic method of cognition and private scientific research methods formallegal systemicstructural sociallegal comparativelegal statistical. Results basing on the analysis of normative legal acts regulating the relations in the sphere of maritime insurance as one of the ways to struggle against piracy the insufficiency of unified insurance norms at internationallegal level is revealed features of modern piracy are identified as well as the dependence of the insurance cost on the piratesrsquo activity the state of legal protection of the shipownerrsquos interests in case of piratesrsquo attacks at international routes a conclusion is made that the difficulties with the ldquopiracyrdquo notion do not hinder its fullfledged research in international law the drawbacks of the piracy concept in international law are reflected the insurance legal norms are studied as well as the drawbacks in insufficient unification and stronger protection of shipowners in case of ransom payments especially in RF. Scientific novelty for the first time in the article the internationallegal features of maritime piracy are viewed as one of the measures of struggle against piracy. Practical significance the main provisions and conclusions of the article can be used in practical scientific and educational activity when dealing with the issues of maritime insurance of piracy risks.

  4. The National Insurance Academy: Serving India's Insurance Professionals and Researchers

    Science.gov (United States)

    Sane, Bhagyashree

    2011-01-01

    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.

  5. Medicaid program; eligibility changes under the Affordable Care Act of 2010. Final rule, Interim final rule.

    Science.gov (United States)

    2012-03-23

    This final rule implements several provisions of the Patient Protection and Affordable Care Act of 2010 and the Health Care and Education Reconciliation Act of 2010 (collectively referred to as the Affordable Care Act). The Affordable Care Act expands access to health insurance coverage through improvements to the Medicaid and Children's Health Insurance (CHIP) programs, the establishment of Affordable Insurance Exchanges ("Exchanges"), and the assurance of coordination between Medicaid, CHIP, and Exchanges. This final rule codifies policy and procedural changes to the Medicaid and CHIP programs related to eligibility, enrollment, renewals, public availability of program information and coordination across insurance affordability programs.

  6. DOES DEPOSIT INSURANCE INDUCE MORAL HAZARD? AN EMPIRICAL STUDY WITH CREDIT UNIONS FROM THE STATE OF MINAS GERAIS O SEGURO-DEPÓSITO INDUZ RISCO MORAL? UM ESTUDO EMPÍRICO COM AS COOPERATIVAS DE CRÉDITO DO ESTADO DE MINAS GERAIS

    Directory of Open Access Journals (Sweden)

    Valéria Gama Fully Bressan

    2013-01-01

    Full Text Available The deposit insurance mechanism is aimed at the security and liquidity of the financial system. But, paradoxically,  it may end up increasing the instability of  the financial system as a result of  themoral hazard problem. In fact, conflicting interests of the parties coupled with imperfect monitoringcan induce financial institutions under the protection of a deposit insurance system to run into morerisk than  the level recommended by the fund manager.  This study tested the hypothesis that the Deposits Guarantee Fund (FGD has not induced the  moral hazard  problem,  using a panel composed of 62% of credit unions in the state of Minas Gerais affiliated to the Sicoob-Crediminassystem from January 1995 to May 2008. We tested alternative specifications for panel data models using six proxies for the degree of risk exposure of cooperatives as suggested by the literature. Wefound that the preferred model is the fixed e ects model estimated by Feasible Generalized Least Squares.  We could not reject the null hypothesis that the FGD has not induced moral hazard problems.O mecanismo de seguro-depósito objetiva criar segurança e liquidez no sistema financeiro, mas,paradoxalmente, pode gerar instabilidade ao sistema, por conta  do problema de risco moral.  Os interesses conflitantes  das partes, aliados ao monitoramento imperfeito, podem induzir asinstituições financeiras sob a égide do  seguro-depósito  a expor-se a um risco  maior do que opreconizado pelo fundo gestor do fundo. Sob essa perspectiva, o presente estudo testou a hipótesede que o Fundo Garantidor de Depósitos (FGD não induz ao risco moral, de acordo com um painel composto  de 62% das cooperativas de crédito do Estado de Minas Gerais, filiadas ao sistemaSicoob-Crediminas de janeiro de 1995 a maio de 2008. Foram testadas diversas especificações demodelos em painel utilizando-se seis proxies para a mensuração do grau de exposição ao risco das

  7. Bundled automobile insurance coverage and accidents.

    Science.gov (United States)

    Li, Chu-Shiu; Liu, Chwen-Chi; Peng, Sheng-Chang

    2013-01-01

    This paper investigates the characteristics of automobile accidents by taking into account two types of automobile insurance coverage: comprehensive vehicle physical damage insurance and voluntary third-party liability insurance. By using a unique data set in the Taiwanese automobile insurance market, we explore the bundled automobile insurance coverage and the occurrence of claims. It is shown that vehicle physical damage insurance is the major automobile coverage and affects the decision to purchase voluntary liability insurance coverage as a complement. Moreover, policyholders with high vehicle physical damage insurance coverage have a significantly higher probability of filing vehicle damage claims, and if they additionally purchase low voluntary liability insurance coverage, their accident claims probability is higher than those who purchase high voluntary liability insurance coverage. Our empirical results reveal that additional automobile insurance coverage information can capture more driver characteristics and driving behaviors to provide useful information for insurers' underwriting policies and to help analyze the occurrence of automobile accidents.

  8. Cancer Takes Financial Toll, Even with Insurance

    Science.gov (United States)

    ... 167713.html Cancer Takes Financial Toll, Even With Insurance 1 in 6 insured patients spends one-third ... of cancer treatment on people who have health insurance. The vast majority in the study had private ...

  9. Health insurance theory: the case of the missing welfare gain.

    Science.gov (United States)

    Nyman, John A

    2008-11-01

    An important source of value is missing from the conventional welfare analysis of moral hazard, namely, the effect of income transfers (from those who purchase insurance and remain healthy to those who become ill) on purchases of medical care. Income transfers are contained within the price reduction that is associated with standard health insurance. However, in contrast to the income effects contained within an exogenous price decrease, these income transfers act to shift out the demand for medical care. As a result, the consumer's willingness to pay for medical care increases and the resulting additional consumption is welfare increasing.

  10. Message from the CERN Health Insurance Supervisory Board (CHISB)

    CERN Multimedia

    2007-01-01

    At the end of 2006, the Management of Clinique La Colline canceled its 2005 tariff agreement with the health insurance schemes of international organizations (CERN, ILO-ITU, WHO, UNOG). The proposed 2007 tariffs were unacceptable to these schemes as they included an average increase of 12%. No agreement was found and therefore this clinic is no longer approved by the CHIS, according to the definition given in the Rules of the CERN Health Insurance Scheme. Our Administrator, UNIQA, will no longer act as paying third party for any hospitalisation which has not already been planned and agreed. More information will appear in the next issue of the CHISBull'. Tel.74484

  11. Income insurance in European agriculture

    NARCIS (Netherlands)

    Meuwissen, M.P.M.; Huirne, R.B.M.; Skees, J.R.

    2003-01-01

    The agricultural risk environment in Europe is changing, for example because of WTO agreements and governments increasingly withdrawing from disaster assistance in case of catastrophic events. In this context, some form of income insurance may be a useful risk management tool for farmers. Insuring f

  12. Consumers' misunderstanding of health insurance.

    Science.gov (United States)

    Loewenstein, George; Friedman, Joelle Y; McGill, Barbara; Ahmad, Sarah; Linck, Suzanne; Sinkula, Stacey; Beshears, John; Choi, James J; Kolstad, Jonathan; Laibson, David; Madrian, Brigitte C; List, John A; Volpp, Kevin G

    2013-09-01

    We report results from two surveys of representative samples of Americans with private health insurance. The first examines how well Americans understand, and believe they understand, traditional health insurance coverage. The second examines whether those insured under a simplified all-copay insurance plan will be more likely to engage in cost-reducing behaviors relative to those insured under a traditional plan with deductibles and coinsurance, and measures consumer preferences between the two plans. The surveys provide strong evidence that consumers do not understand traditional plans and would better understand a simplified plan, but weaker evidence that a simplified plan would have strong appeal to consumers or change their healthcare choices. Copyright © 2013 Elsevier B.V. All rights reserved.

  13. INSURANCE - A RISK COVERING STRATEGY

    Directory of Open Access Journals (Sweden)

    Marius Dan GAVRILETEA

    2014-12-01

    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.

  14. FOREIGN EXPERIENCE IN INTERNET INSURANCE OPERATION

    Directory of Open Access Journals (Sweden)

    A. Tlusta

    2015-04-01

    Full Text Available This paper examines the current state and characteristics of the relationship between the insurance entities in the implementation of online insurance in foreign countries. Studied the basic conditions and development trends of the Internet insurance market in the process of informatization of insurance companies. The basic concept of interaction between the subjects of the insurance market through the website were noticed. The study reveals the necessity and expediency of using new approaches of the acquisition of insurance services via Internet. The problems of implementation and development of online insurance remains valid for all countries, regardless of the state of the insurance market and the financial market as a whole.

  15. [Abortion using health insurance].

    Science.gov (United States)

    Gritschneder, O

    1984-09-01

    The author reports on current German court rulings on whether non-medically indicated abortions (although not prohibited by law and therefore not actionable) should be financed via the compulsory health insurance scheme or by the Federal Government. 1. The social welfare court at Dortmund ruled that current legislation governing the financing of welfare expenditure violates the Federal German constitution, and has, therefore, referred this matter to the Federal Constitutional Court. However, the Federal Constitutional Court turned down the referral and dismissed the case, since an application for declaring a Federal law null and void can be filed by the Federal Government or by a Federal Land Government or by at least one-third of the total number of members of the Federal German Parliament (Bundestag) only. This means that the current proceedings at the Dortmund social welfare court must continue. The plaintiff pleads to prohibit the compulsory health insurance scheme authorities from defraying the expenses for performing foeticide via legally permitted abortion without medical indication. 2. The Federal Land Government of Baden-Württemberg is the only Land Government of the Federal Republic of Germany that does not grant any financial aid towards performing non-medically indicated (albeit not legally actionable) abortions. Hence, the Baden-Württemberg Administrative Courts turned down the plea filed by a woman government servant towards paying such aid. The court decision was based on the judge's opinion that even the principle of equality before the law guaranteed by the Constitution would not compel the Land Government to emulate the example of the other Land Governments who are agreeable to bearing abortion costs.

  16. Employer-provided health insurance and hospital mergers.

    Science.gov (United States)

    Garmon, Christopher

    2013-07-01

    This paper explores the impact of employer-provided health insurance on hospital competition and hospital mergers. Under employer-provided health insurance, employer executives act as agents for their employees in selecting health insurance options for their firm. The paper investigates whether a merger of hospitals favored by executives will result in a larger price increase than a merger of competing hospitals elsewhere. This is found to be the case even when the executive has the same opportunity cost of travel as her employees and even when the executive is the sole owner of the firm, retaining all profits. This is consistent with the Federal Trade Commission's findings in its challenge of Evanston Northwestern Healthcare's acquisition of Highland Park Hospital. Implications of the model are further tested with executive location data and hospital data from Florida and Texas.

  17. The 2007-09 recession and health insurance coverage.

    Science.gov (United States)

    Holahan, John

    2011-01-01

    Loss of employment and declining incomes meant that five million Americans lost employment-based health insurance during the recent economic recession (2007-09). All groups of Americans were affected, but the growth in the number of uninsured people was particularly noticeable for whites, native-born citizens, and residents of the Midwest and South. Adults did not benefit nearly as much as children from public programs designed to offset the decline in employer-sponsored insurance and thus bore all of the burden of rising uninsurance. Throughout the past decade, even in good economic times, the number of Americans with employer-sponsored insurance has fallen, and the number of uninsured Americans has increased. This finding underscores the importance of planned coverage expansions under the Affordable Care Act.

  18. INTRODUCTION OF INSURANCE REPOSITORY AS AN ALTERNATIVE OF INTERNET INSURANCE IN CLASSICAL MEANING: LEGISLATION ASPECTS

    Directory of Open Access Journals (Sweden)

    M. Malik

    2016-04-01

    Full Text Available This paper examines the legislation and regulation of insurance repositories. The basic conditions and requirements of creating and functioning of the new insurance market institute were studied. The basic requirements for managing personal of insurance repository were noticed. The study reveals the interaction mechanism of insurers and insured at the book-entry insurance policies turnover market via creation of the new institute, which is set to issue and control electronic insurance coverage.

  19. 75 FR 66806 - Nationwide Life Insurance Company, et al.,

    Science.gov (United States)

    2010-10-29

    ... COMMISSION Nationwide Life Insurance Company, et al., Notice of Application October 25, 2010. AGENCY...: Nationwide Life Insurance Company (``NWL''), Nationwide Life and Annuity Insurance Company (``NLAIC... contracts and/or variable life insurance policies issued by the Insurance Companies (collectively,...

  20. Monopoly Insurance and Endogenous Information

    DEFF Research Database (Denmark)

    Lagerlöf, Johan N. M.; Schottmüller, Christoph

    2017-01-01

    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...... zero (implying symmetric information) or positive (implying privately informed consumers). Regardless of the nature of the equilibrium, all offered contracts, also at the top, involve underinsurance, which discourages information gathering. We identify a missorting effect that explains why the insurer...... wants to discourage information acquisition. Moreover, lower information gathering costs can hurt both consumer and insurer....

  1. Life insurance after malignant disease.

    Science.gov (United States)

    Fitzgerald, R H

    1981-11-01

    Forty-five life insurance companies responded to a questionnaire on insurance industry attitudes towards patients with a history of malignancy other than skin carcinoma. Although the criteria for acceptance, provisions of the policy, and philosophy about adjuvant treatment varied, all companies would underwrite such patients provided that at application there was no evidence of persistent or recurrent disease or severe complications of therapy. The concept of excess mortality (observed death rates versus standard expected death rates) is used with other factors in calculating premiums. Legal and ethical responsibilities of physicians associated with insurance applications are briefly discussed.

  2. [The surgeons civil responsibility insurance].

    Science.gov (United States)

    Santovito, D

    2004-10-01

    After a short research in the field national insurances, the author analyses the professional physician insurance policy; the ambiguity and difficulty of contracts concerning the professional health activity of surgeon, whether as state employee or as independent professional are pointed put. With the introduction of the ministerial decree dated January 29,1992, the new labour agreement, the privacy law, the evolution of ''informed consent'', the esthetic injury concept, the safety regulations law and the administrative liability, surgeons must pay attention to draw up an insurance policy suitable to their profession.

  3. Unemployment Insurance and Disability Insurance in the Great Recession

    OpenAIRE

    Mueller, Andreas I.; Jesse Rothstein; Till M. von Wachter

    2013-01-01

    Disability insurance (DI) applications and awards are countercyclical. One potential explanation is that unemployed individuals who exhaust their Unemployment Insurance (UI) benefits use DI as a form of extended benefits. We exploit the haphazard pattern of UI benefit extensions in the Great Recession to identify the effect of UI exhaustion on DI application, using both aggregate data at the state-month and state-week levels and microdata on unemployed individuals in the Current Population Su...

  4. INSURANCE MARKET. GENERAL CONSIDERATIONS OF INSURANCES IN ROMANIA

    Directory of Open Access Journals (Sweden)

    MARINEL NEDELUŢ

    2013-10-01

    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.

  5. 20 CFR 726.102 - Application for authority to become a self-insurer; how filed; information to be submitted.

    Science.gov (United States)

    2010-04-01

    ... STANDARDS ADMINISTRATION, DEPARTMENT OF LABOR FEDERAL COAL MINE HEALTH AND SAFETY ACT OF 1969, AS AMENDED BLACK LUNG BENEFITS; REQUIREMENTS FOR COAL MINE OPERATOR'S INSURANCE Authorization of Self-Insurers.... Department of the Interior; (4) A certified itemized statement of the gross and net assets and liabilities...

  6. Insurance Exchange Marketplace: Implications for Emergency Medicine Practice

    Directory of Open Access Journals (Sweden)

    David S. Rankey, MD, MPH

    2012-05-01

    Full Text Available The Patient Protection and Affordable Care Act of 2010 requires states to establish healthcareinsurance exchanges by 2014 to facilitate the purchase of qualified health plans. States are required toestablish exchanges for small businesses and individuals. A federally operated exchange will beestablished, and states failing to participate in any other exchanges will be mandated to join the federalexchange. Policymakers and health economists believe that exchanges will improve healthcare atlower cost by promoting competition among insurers and by reducing burdensome transaction costs.Consumers will no longer be isolated from monthly insurance premium costs. Exchanges will increasethe number of patients insured with more cost-conscious managed care and high-deductible plans.These insurance plan models have historically undervalued emergency medical services, while alsounderinsuring patients and limiting their healthcare system access to the emergency department. Thisparadoxically increases demand for emergency services while decreasing supply. The continualdevaluation of emergency medical services by insurance payers will result in inadequate distribution ofresources to emergency care, resulting in further emergency department closures, increases inemergency department crowding, and the demise of acute care services provided to families andcommunities.

  7. WORLD INSURANCE MARKET DEVELOPMENT UNDER DIGITALIZATION

    Directory of Open Access Journals (Sweden)

    T. Motashko

    2016-06-01

    Full Text Available The role of digitalization in the insurance market is investigated, the advantages of digital technology to the insurance market are considered. The main trends of world insurance market under digitalization are analyzed. Key landmarks of insurance companies in modern conditions are distinguished.

  8. Willingness to Pay for Insurance in Denmark

    DEFF Research Database (Denmark)

    Hansen, Jan V.; Højbjerg Jacobsen, Rasmus; Lau, Morten I.

    We estimate the maximum amount that Danish households are willing to pay for three different types of insurance: auto, home and house insurance. We use a unique combination of claims data from the largest private insurance company in Denmark, measures of individual risk attitudes and discount rates...... of the insurance claims....

  9. 38 CFR 36.4329 - Hazard insurance.

    Science.gov (United States)

    2010-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 2 2010-07-01 2010-07-01 false Hazard insurance. 36.4329 Section 36.4329 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF VETERANS AFFAIRS (CONTINUED) LOAN GUARANTY Guaranty or Insurance of Loans to Veterans With Electronic Reporting § 36.4329 Hazard insurance. The holder shall require insurance...

  10. Trouble with Your Liability Insurance? Here's Why.

    Science.gov (United States)

    AGB Reports, 1985

    1985-01-01

    The insurance industry is in trouble, which means problems for colleges and universities--especially in the area of liability insurance. Some strategies for higher education are discussed, including risk-management programs, self-insurance, catastrophic or excess insurance, and risk-management consortia. (MLW)

  11. HUD Insured Multifamily Properties (NGDA)

    Data.gov (United States)

    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...

  12. FEMA Flood Insurance Studies Inventory

    Data.gov (United States)

    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...

  13. 77 FR 16074 - Notice of Listening Sessions on Implementation of Unemployment Insurance Provisions of the Middle...

    Science.gov (United States)

    2012-03-19

    ... Insurance Provisions of the Middle Class Tax Relief and Job Creation Act of 2012 (Pub. L. 112-96) AGENCY... provisions of the Middle Class Tax Relief and Job Creation Act of 2012 related to Short Time Compensation... limited, so please only register for one STC session and one SEA session. Background: The Middle Class Tax...

  14. 75 FR 16205 - MetLife Insurance Company of Connecticut, et al.

    Science.gov (United States)

    2010-03-31

    ... primarily purchases equity both. securities of large, seasoned, U.S. and multinational companies that the... COMMISSION MetLife Insurance Company of Connecticut, et al. March 25, 2010. AGENCY: Securities and Exchange... Investment Company Act of 1940 (the ``Act'') approving certain substitutions of securities and an order of...

  15. 41 CFR 60-741.25 - Health insurance, life insurance and other benefit plans.

    Science.gov (United States)

    2010-07-01

    ... 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...

  16. 78 FR 58264 - Servicemembers' Group Life Insurance and Veterans' Group Life Insurance Information Access

    Science.gov (United States)

    2013-09-23

    ... AFFAIRS 38 CFR Part 9 RIN 2900-AO42 Servicemembers' Group Life Insurance and Veterans' Group Life... Insurance (SGLI), Family SGLI, SGLI Traumatic Injury Protection, and Veterans' Group Life Insurance (all...-AO42 Servicemembers' Group Life Insurance and Veterans' Group Life Insurance Information...

  17. 76 FR 44199 - Area Risk Protection Insurance Regulations and Area Risk Protection Insurance Crop Provisions

    Science.gov (United States)

    2011-07-22

    ... Risk Protection Insurance Regulations and Area Risk Protection Insurance Crop Provisions; Proposed Rule... OF AGRICULTURE Federal Crop Insurance Corporation 7 CFR Part 407 RIN 0563-AC25 Area Risk Protection Insurance Regulations and Area Risk Protection Insurance Crop Provisions AGENCY: Federal Crop...

  18. 78 FR 38483 - Area Risk Protection Insurance Regulations and Area Risk Protection Insurance Crop Provisions

    Science.gov (United States)

    2013-06-26

    ... Risk Protection Insurance Regulations and Area Risk Protection Insurance Crop Provisions; Final Rule #0...; ] DEPARTMENT OF AGRICULTURE Federal Crop Insurance Corporation 7 CFR Part 407 RIN 0563-AC25 Area Risk Protection Insurance Regulations and Area Risk Protection Insurance Crop Provisions AGENCY: Federal...

  19. Impact of the 2006 Massachusetts health care insurance reform on neurosurgical procedures and patient insurance status.

    Science.gov (United States)

    Villelli, Nicolas W; Das, Rohit; Yan, Hong; Huff, Wei; Zou, Jian; Barbaro, Nicholas M

    2017-01-01

    OBJECTIVE The Massachusetts health care insurance reform law passed in 2006 has many similarities to the federal Affordable Care Act (ACA). To address concerns that the ACA might negatively impact case volume and reimbursement for physicians, the authors analyzed trends in the number of neurosurgical procedures by type and patient insurance status in Massachusetts before and after the implementation of the state's health care insurance reform. The results can provide insight into the future of neurosurgery in the American health care system. METHODS The authors analyzed data from the Massachusetts State Inpatient Database on patients who underwent neurosurgical procedures in Massachusetts from 2001 through 2012. These data included patients' insurance status (insured or uninsured) and the numbers of procedures performed classified by neurosurgical procedural codes of the International Classification of Diseases, Ninth Revision, Clinical Modification (ICD-9-CM). Each neurosurgical procedure was grouped into 1 of 4 categories based on ICD-9-CM codes: 1) tumor, 2) other cranial/vascular, 3) shunts, and 4) spine. Comparisons were performed of the numbers of procedures performed and uninsured patients, before and after the implementation of the reform law. Data from the state of New York were used as a control. All data were controlled for population differences. RESULTS After 2008, there were declines in the numbers of uninsured patients who underwent neurosurgical procedures in Massachusetts in all 4 categories. The number of procedures performed for tumor and spine were unchanged, whereas other cranial/vascular procedures increased. Shunt procedures decreased after implementation of the reform law but exhibited a similar trend to the control group. In New York, the number of spine surgeries increased, as did the percentage of procedures performed on uninsured patients. Other cranial/vascular procedures decreased. CONCLUSIONS After the Massachusetts health care

  20. METALS DEPOSITS

    Institute of Scientific and Technical Information of China (English)

    2007-01-01

    <正>20070291 Gong Ping (Northern Fujian Geological Party, Shaozou 354000) Discussion on Geological Characteristics and Control Factors of the Shimen Au-polymetallic Deposit in Zhenghe County, Fujian Province (Geology of Fujian, ISSN1001-3970, CN38-1080/P, 25(1), 2006, p.18-24, 2 illus., 2 tables, 1 ref.) Key words: gold deposits, polymetallic deposits, Fujian Province

  1. Social insurance for health service.

    Science.gov (United States)

    Roemer, M I

    1997-06-01

    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.

  2. Impact of medical loss regulation on the financial performance of health insurers.

    Science.gov (United States)

    McCue, Michael; Hall, Mark; Liu, Xinliang

    2013-09-01

    The Affordable Care Act's regulation of medical loss ratios requires health insurers to use at least 80-85 percent of the premiums they collect for direct medical expenses (care delivery) or for efforts to improve the quality of care. To gauge this rule's effect on insurers' financial performance, we measured changes between 2010 and 2011 in key financial ratios reflecting insurers' operating profits, administrative costs, and medical claims. We found that the largest changes occurred in the individual market, where for-profit insurers reduced their median administrative cost ratio and operating margin by more than two percentage points each, resulting in a seven-percentage-point increase in their median medical loss ratio. Financial ratios changed much less for insurers in the small- and large-group markets.

  3. AUDITOR''S PROFESSIONAL LIABILITY INSURANCE

    OpenAIRE

    Dorosh, N.

    2008-01-01

    This article is devoted to positive experience insurance of auditing in different countries and how it to use in Ukraine. Insurance rates have risen considerably as a result of increasing litigation in many countries, professional liability insurance is still available for all CPAs. It is essential for a CPA firm in Ukraine to have adequate insurance protection in the event of lawsuit about performing quality audit. This article is described all the particulars of a insurance's agreement.

  4. 77 FR 41256 - Federal Deposit Insurance Corporation Limit Change

    Science.gov (United States)

    2012-07-13

    ... Avenue SW., Washington, DC 20250-0742. Hand Delivery/Courier: Submit written comments via Federal Express Mail or other courier service requiring a street address to the Branch Chief, Regulations and Paperwork... Rural Housing Service Rural Business-Cooperative Service Rural Utilities Service Farm Service Agency...

  5. 12 CFR 303.247 - Continue or resume status as an insured institution following termination under section 8 of the...

    Science.gov (United States)

    2010-01-01

    ... institution following termination under section 8 of the FDI Act. 303.247 Section 303.247 Banks and Banking... the FDI Act. (a) Scope. This section relates to an application by a depository institution whose insured status has been terminated under section 8 of the FDI Act (12 U.S.C. 1818) for permission...

  6. Regulating stop-loss coverage may be needed to deter self- insuring small employers from undermining market reforms

    National Research Council Canada - National Science Library

    Hall, Mark A

    2012-01-01

    As implementation of the Affordable Care Act reshapes the US health insurance market, state policy makers should be prepared to revisit regulation of stop-loss coverage-a form of reinsurance-for small businesses...

  7. Insurance systems and reimbursement concerning research and development of regenerative medicine in Japan.

    Science.gov (United States)

    Okada, Kiyoshi; Miyata, Toshio; Sawa, Yoshiki

    2017-03-01

    In Japan, the Act on the Safety of Regenerative Medicine and the Pharmaceuticals, Medical Devices and Other Therapeutic Products Act were enacted in November 2014, creating a new framework for clinical research and products related to regenerative medicine. Together with these regulatory frameworks, new insurance procedures were created for handling regenerative medicine in Japan. For developing regenerative medicine in Japan, understanding medical insurance greatly influences funding and venture success, particularly in the stages between clinical research and market launch. The study aimed to identify the issues and examples surrounding Japan's present medical insurance system, especially for regenerative medicine. We believe that building stronger insurance systems for regenerative medicine is essential for internationally aligning and harmonizing the progress of regenerative medicine.

  8. "Sticker Shock" in Individual Insurance under Health Reform

    OpenAIRE

    Mark Pauly; Scott Harrington; Adam Leive

    2014-01-01

    This paper provides estimates of the changes in premiums, average or expected out of pocket payments, and the sum of premiums and out of pocket payments (total expected price) for a sample of consumers who bought individual insurance in 2010 to 2012, comparing total expected prices before the Affordable Care Act with estimates of total expected prices if they were to purchase silver or bronze coverage after reform, before the effects of any premium subsidies. We provide comparisons for purcha...

  9. Privacy Act

    Science.gov (United States)

    Learn about the Privacy Act of 1974, the Electronic Government Act of 2002, the Federal Information Security Management Act, and other information about the Environmental Protection Agency maintains its records.

  10. 46 CFR 308.103 - Insured amounts under interim binder.

    Science.gov (United States)

    2010-10-01

    ... INSURANCE War Risk Hull and Disbursements Insurance § 308.103 Insured amounts under interim binder. (a... chapter. (b) Insurance risks. Insurance risks covered by the terms of the standard form of war risk hull... insurance additional to the war risk hull insurance provided under this subpart, and payment of claim......

  11. A Political History of Federal Mental Health and Addiction Insurance Parity

    OpenAIRE

    Barry, Colleen L.; Huskamp, Haiden A.; Goldman, Howard H

    2010-01-01

    Context: This article chronicles the political history of efforts by the U.S. Congress to enact a law requiring “parity” for mental health and addiction benefits and medical/surgical benefits in private health insurance. The goal of the Paul Wellstone and Pete Domenici Mental Health Parity and Addiction Equity (MHPAE) Act of 2008 is to eliminate differences in insurance coverage for behavioral health. Mental health and addiction treatment advocates have long viewed parity as a means of increa...

  12. The Impact of Medicaid Expansion on Medicaid Focused Insurers in California

    Directory of Open Access Journals (Sweden)

    Michael J. McCue DBA

    2015-07-01

    Full Text Available To gain insights into the impact of Medicaid Expansion under the Affordable Care Act, this study assesses the enrollment, utilization, and financial performance measures of California Medicaid focused health insurers. The study compares these quarterly measures, during the expansion period of 2014 to the same quarterly measures in 2013 and 2012. During 2014, Medicaid focused insurers expanded enrollment, decreased inpatient days, and generated higher profit margins.

  13. BEHAVIORAL ASPECTS IN INSURANCE MARKET

    Directory of Open Access Journals (Sweden)

    Stroe Andreea

    2013-07-01

    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.

  14. Coverage for Gender-Affirming Care: Making Health Insurance Work for Transgender Americans.

    Science.gov (United States)

    Padula, William V; Baker, Kellan

    2017-08-01

    Many transgender Americans continue to remain uninsured or are underinsured because of payers' refusal to cover medically necessary, gender-affirming healthcare services-such as hormone therapy, mental health counseling, and reconstructive surgeries. Coverage refusal results in higher costs and poor health outcomes among transgender people who cannot access gender-affirming care. Research into the value of health insurance coverage for gender-affirming care for transgender individuals shows that the health benefits far outweigh the costs of insuring transition procedures. Although the Affordable Care Act explicitly protects health insurance for transgender individuals, these laws are being threatened; therefore, this article reviews their importance to transgender-inclusive healthcare coverage.

  15. Rules regarding the health insurance premium tax credit. Final and temporary regulations.

    Science.gov (United States)

    2014-07-28

    This document contains final and temporary regulations relating to the health insurance premium tax credit enacted by the Patient Protection and Affordable Care Act and the Health Care and Education Reconciliation Act of 2010, as amended by the Medicare and Medicaid Extenders Act of 2010, the Comprehensive 1099 Taxpayer Protection and Repayment of Exchange Subsidy Overpayments Act of 2011, and the Department of Defense and Full-Year Continuing Appropriations Act of 2011 and the 3% Withholding Repeal and Job Creation Act. These regulations affect individuals who enroll in qualified health plans through Affordable Insurance Exchanges (Exchanges) and claim the premium tax credit, and Exchanges that make qualified health plans available to individuals. The text of the temporary regulations in this document also serves as the text of proposed regulations set forth in a notice of proposed rulemaking (REG-104579-13) on this subject in the Proposed Rules section in this issue of the Federal Register.

  16. Evaluating the Welfare of Index Insurance

    DEFF Research Database (Denmark)

    Harrison, Glenn W.; Martínez-Correa, Jimmy; Ng, Jia Min

    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...... measurement and the actual losses of the insured. It is not easy to predict the direction in which basis risk is going to affect insurance demand, in contrast to the clear and strong predictions for standard indemnity insurance products. Index insurance can be theoretically conceptualized as a situation...... 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...

  17. Insurance and critical infrastructure protection : is there a connection in an environment of terrorism?

    Energy Technology Data Exchange (ETDEWEB)

    Rowlands, D.; Devlin, R.A.

    2006-03-15

    This paper investigated the potential role of the insurance industry in enhancing the protection of critical energy infrastructure (CEI). This analysis was conducted in the context of increased concerns about deliberate acts of sabotage related to terrorist activities. A theoretical insurance market analysis was applied to a CEI scenario in order to examine the effects that insurance might have on the vulnerability of the system and subsequent remediation activities. Classical insurance market structures were examined, and problems associated with adverse selection, moral hazards and the role of government were identified. Issues concerning incentive effects induced by insurance were reviewed, as well as issues concerning the interdependence between different operators of the CEI system. An updated literature review was also provided. Results of the study suggested that corporate losses to CEI owners may be far less than the social cost of energy disruption, which in turn provides a reasonable rationale for government as opposed to private intervention. In terms of remediation, the immediate impact of a crippled CEI would overwhelm any private organization, and response would need to be coordinated through public structures. Terrorism insurance, while available, provides relatively large deductibles, as insurance companies are unwilling to accept the risks of moderate damage that may arise. There does not appear to be any evidence that private insurers will be able to provide significant relief from terrorist attacks, and it is unlikely that a private insurance market for terrorism will emerge. An absence of information regarding terrorist activities constrains both insurance purchasers from choosing the best mix of risk management tools, as well as insurance companies seeking to establish the appropriate pricing and conditions for different contracts. It was concluded that governments should support CEI firms in their own efforts to understand the threats; aid in

  18. Drug coverage insurance as a novel element of private health insurance in Poland.

    Science.gov (United States)

    Czerw, Aleksandra; Religioni, Urszula

    2013-01-01

    In recent years, there have been observed increased costs of health care in Poland. The patient's out of pocket expenses on drug have grown too. To the above, the insurance companies have offered patients drug coverage insurance policies since recently. Drug insurance policy covers the cost of purchasing pharmaceutical products not reimbursed by the National Health Fund is a modern product on the Polish health insurance market. The aim of the article is to characterize drug coverage insurance policies on the health insurance market in Poland. The Polish insurance market and entities offered these types of insurance are also presented.

  19. Stakeholders' perceptions of ways to support decisions about health insurance marketplace enrollment: a qualitative study.

    Science.gov (United States)

    Housten, A J; Furtado, K; Kaphingst, K A; Kebodeaux, C; McBride, T; Cusanno, B; Politi, M C

    2016-11-08

    Approximately 29 million individuals are expected to enroll in health insurance using the Patient Protection and Affordable Care Act (ACA) Marketplace by 2022. Those seeking health insurance struggle to understand insurance options and choose a plan that best suits their needs. We interviewed stakeholders to identify the challenges associated with the ACA Marketplace health insurance enrollment and elicited feedback about what to include in health insurance decision support tools. Interviews were transcribed and themes were identified using inductive thematic analysis. Stakeholders stated that consumers felt frustrated by unclear terminology, high plan costs, and complex calculations required to assess costs. Consumers felt anxious about making the wrong choice and being unable to change plans within a calendar year. Stakeholders recommended using plain language tables defining complex terms, grouping information, and using engaging graphics to communicate information about health insurance. Stakeholders thought that narratives of how others made decisions about insurance might be helpful to consumers, but recommended that they be tailored to the needs of specific consumers. Strategies that clarify health insurance terms using plain language and graphics, acknowledge concern associated with making the wrong choice, calculate and enable cost comparison, and tailor information to consumers' unique needs could benefit those enrolling in ACA Marketplace plans, Narratives developed should be simple and inclusive enough for diverse populations.

  20. Employer-sponsored health insurance coverage limitations: results from the Childhood Cancer Survivor Study.

    Science.gov (United States)

    Kirchhoff, Anne C; Kuhlthau, Karen; Pajolek, Hannah; Leisenring, Wendy; Armstrong, Greg T; Robison, Leslie L; Park, Elyse R

    2013-02-01

    The Affordable Care Act (ACA) will expand health insurance options for cancer survivors in the USA. It is unclear how this legislation will affect their access to employer-sponsored health insurance (ESI). We describe the health insurance experiences for survivors of childhood cancer with and without ESI. We conducted a series of qualitative interviews with 32 adult survivors from the Childhood Cancer Survivor Study to assess their employment-related concerns and decisions regarding health insurance coverage. Interviews were performed from August to December 2009 and were recorded, transcribed, and content analyzed using NVivo 8. Uninsured survivors described ongoing employment limitations, such as being employed at part-time capacity, which affected their access to ESI coverage. These survivors acknowledged they could not afford insurance without employer support. Survivors on ESI had previously been denied health insurance due to their preexisting health conditions until they obtained coverage through an employer. Survivors feared losing their ESI coverage, which created a disincentive to making career transitions. Others reported worries about insurance rescission if their cancer history was discovered. Survivors on ESI reported financial barriers in their ability to pay for health care. Childhood cancer survivors face barriers to obtaining ESI. While ACA provisions may mitigate insurance barriers for cancer survivors, many will still face cost barriers to affording health care without employer support.

  1. Role of Data mining in Insurance Industry

    Directory of Open Access Journals (Sweden)

    K. Umamaheswari

    2014-06-01

    Full Text Available n the global era, Insurance systems rapidly a lot of tremendous development in our society. Due to the increased stress in day-to-day life, the growth of demand of insurance increased. Data mining helps insurance firms to discovery useful patterns from the customer database. The purpose of the paper aims to present how data mining is useful in the insurance industry, how its techniques produce good results in insurance sector and how data mining enhance in decision making using insurance data. The conceptual paper is written based on secondary study, observation from various journals, magazines and reports.

  2. Role of Data mining in Insurance Industry

    Directory of Open Access Journals (Sweden)

    K. Umamaheswari

    2015-11-01

    Full Text Available In the global era, Insurance systems rapidly a lot of tremendous development in our society. Due to the increased stress in day-to-day life, the growth of demand of insurance increased. Data mining helps insurance firms to discovery useful patterns from the customer database. The purpose of the paper aims to present how data mining is useful in the insurance industry, how its techniques produce good results in insurance sector and how data mining enhance in decision making using insurance data. The conceptual paper is written based on secondary study, observation from various journals, magazines and reports.

  3. Risk Management and Insurance Decisions under Ambiguity

    DEFF Research Database (Denmark)

    Martínez-Correa, Jimmy

    I study the impact of ambiguity on insurance decisions and the optimality of insurance contracts. My tractable approach allows me to study the interaction between risk and ambiguity attitudes. When insurance decisions are made independently of other assets, for a given increase in wealth, both risk...... a counterexample to a classical result in insurance economics where an insurance contract with straight deductible is dominated by a coinsurance contract. Finally, I find that a modified Borch rule characterizes the optimal insurance contract with bilateral risk and ambiguity attitudes and heterogeneity in beliefs....

  4. Entrepreneurial Moral Hazard in Income Insurance

    DEFF Research Database (Denmark)

    Ejrnæs, 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 UI...... transitions to unemployment when insurance is a choice variable. We use administrative (register) panel data covering 10% of the Danish population. We find that the insured are indeed more likely to transit into unemployment than the uninsured, once we properly instrument for the insurance choice....

  5. A Welfare Analysis of Capital Insurance

    Directory of Open Access Journals (Sweden)

    Ekaterina Panttser

    2013-09-01

    Full Text Available This paper presents a welfare analysis of several capital insurance programs in a rational expectation equilibrium setting. We first explicitly characterize the equilibrium of each capital insurance program. Then, we demonstrate that a capital insurance program based on aggregate loss is better than classical insurance, when big financial institutions have similar expected loss exposures. By contrast, classical insurance is more desirable when the bank’s individual risk is consistent with the expected loss in a precise way. Our analysis shows that a capital insurance program is a useful tool to hedge systemic risk from the regulatory perspective.

  6. National vaccine injury compensation program: calculation of average cost of a health insurance policy. Final rule.

    Science.gov (United States)

    2007-07-05

    Subtitle 2 of Title XXI of the Public Health Service Act, as enacted by the National Childhood Vaccine Injury Act of 1986, as amended (the Act), governs the National Vaccine Injury Compensation Program (VICP). The VICP, administered by the Secretary of Health and Human Services (the Secretary), provides that a proceeding for compensation for a vaccine-related injury or death shall be initiated by service upon the Secretary, and the filing of a petition with the United States Court of Federal Claims (the Court). In some cases, the injured individual may receive compensation for future lost earnings, less appropriate taxes and the "average cost of a health insurance policy, as determined by the Secretary." The final rule establishes the new method of calculating the average cost of a health insurance policy and determines the amount of the average cost of a health insurance policy to be deducted from the compensation award.

  7. Unemployment duration and unemployment insurance

    DEFF Research Database (Denmark)

    Røed, Knut; Jensen, Peter; Thoursie, Anna

    2008-01-01

    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...

  8. Insurance, Reinsurance and Dividend Payment

    CERN Document Server

    Goreac, D

    2008-01-01

    The aim of this paper is to introduce an insurance model allowing reinsurance and dividend payment. Our model deals with several homogeneous contracts and takes into account the legislation regarding the provisions to be justified by the insurance companies. This translates into some restriction on the (maximal) number of contracts the company is allowed to cover. We deal with a controlled jump process in which one has free choice of retention level and dividend amount. The value function is given as the maximized expected discounted dividends. We prove that this value function is a viscosity solution of some first-order Hamilton-Jacobi-Bellman variational inequality. Moreover, a uniqueness result is provided.

  9. [Hypertension, smoking and life insurance].

    Science.gov (United States)

    Lund-Johansen, P

    1975-11-01

    The insurance companies' data on blood-pressure and longevity have certainly contributed to the trend among both laymen and doctors to take hypertension more seriously. Smoking is also of special interest, having proved to be a clear risk-factor in coronary disease. It holds a unique position, in that - at least theoretically - it would be possible to eliminate. The insurance companies could undoubtedly contribute to an altered attitude towards the problem of smoking. Non-smokers might be granted a bonus and heavy smokers be charged an additional premium.

  10. 12 CFR 303.14 - Being “engaged in the business of receiving deposits other than trust funds.”

    Science.gov (United States)

    2010-01-01

    ... 5 of the FDI Act, 12 U.S.C. 1815(a), shall be deemed to be “engaged in the business of receiving... trust funds” and to termination of its insured status under section 8(p) of the FDI Act, 12 U.S.C. 1818... of the FDI Act until the institution's insured status is terminated by the FDIC pursuant to...

  11. Healthcare.gov Insurance Finder Tool

    Data.gov (United States)

    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...

  12. The Normative Foundations of (Social) Insurance

    DEFF Research Database (Denmark)

    Landes, Xavier

    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...

  13. Joint-venture Insurance Firm Born

    Institute of Scientific and Technical Information of China (English)

    2002-01-01

    @@ Generali China Life insurance Company Ltd.began operations in February this year in Guangzhou,capital of South China's Guangdong Province - the first joint-venture insurer since China joined the World Trade Organization.

  14. Crop Insurance, Premium Subsidy and Agricultural Output

    Institute of Scientific and Technical Information of China (English)

    XU Jing-feng; LIAO Pu

    2014-01-01

    This paper studied the effects of crop insurance on agricultural output with an economic growth model. Based on Ramsey-Cass-Koopmans (RCK) model, a basic model of agriculture economic growth was developed. Extending the basic model to incorporate uncertainty and insurance mechanism, a risk model and a risk-insurance model were built to study the inlfuences of risk and crop insurance on agricultural output. Compared with the steady states of the three models, the following results are achieved:(i) agricultural output decreases if we introduce uncertainty into the risk-free model;(ii) crop insurance promotes agriculture economic growth if insurance mechanism is introduced into the risk model;(iii) premium subsidy constantly improves agricultural output. Our contribution is that we studied the effects of crop insurance and premium subsidy from the perspective of economic growth in a dynamic framework, and proved the output promotion of crop insurance theoretically.

  15. Health Insurance Marketplace Public Use Files

    Data.gov (United States)

    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...

  16. THE EVOLUTION OF INSURANCE MARKET IN ROMANIA

    Directory of Open Access Journals (Sweden)

    Florea Ianc Maria Mirabela

    2013-04-01

    Full Text Available Insurance is the economic activity that individuals and businesses are threatened by some danger that, if it would cause damage to health or even life or they can destroy property, agree to remove the financial effects of possible losses transfer to specialized companies in exchange for a sum of money. The specialized companies agree to take over and compensate the financial effects of production risk are called companies or insurance companies. The transfer of the possible financial losses from risk bearers insurance companies called insurance. The insurance and reinsurance operations are conducted in a regulated framework that brings together supply and demand of insurance, insurance market framework known. The insurance market is performing most specific contracts.

  17. Insurance policies revisited; Policen auf dem Pruefstand

    Energy Technology Data Exchange (ETDEWEB)

    Rentzing, Sascha

    2012-04-15

    Insurance policies used to be easy to get, and at favourable conditions. This may soon change as the insurance companies plan to tighten conditions because of an increasing number of damage cases. (orig.)

  18. Modelling in life insurance a management perspective

    CERN Document Server

    Norberg, Ragnar; Planchet, Frédéric

    2016-01-01

    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...

  19. Healthcare.gov Insurance Finder Tool

    Data.gov (United States)

    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...

  20. 75 FR 13147 - Integrity Life Insurance Company, et al.;

    Science.gov (United States)

    2010-03-18

    ... COMMISSION Integrity Life Insurance Company, et al.; Notice of Application March 10, 2010. AGENCY: Securities...: Integrity Life Insurance Company (``Integrity''), Separate Account I of Integrity Life Insurance Company (``Integrity Separate Account I''), Separate Account II of Integrity Life Insurance Company...

  1. Insurance requirements and practices of Ethiopia's construction sector

    African Journals Online (AJOL)

    Insurance requirements and practices of Ethiopia's construction sector. ... The principles of insurance and types of insurance policies in construCtion industry in ... Insurable interest, Indemnity, Liability, Policy, Premium, Risk management.

  2. 20 CFR 703.304 - Filing of Agreement and Undertaking; deposit of security.

    Science.gov (United States)

    2010-04-01

    ... the amount fixed by the Office, or deposit negotiable securities under §§ 703.306 and 703.307 in that... 20 Employees' Benefits 3 2010-04-01 2010-04-01 false Filing of Agreement and Undertaking; deposit... REGULATIONS Authorization of Self-Insurers § 703.304 Filing of Agreement and Undertaking; deposit of security...

  3. 20 CFR 703.210 - Increase or reduction in security deposit amount.

    Science.gov (United States)

    2010-04-01

    ... 20 Employees' Benefits 3 2010-04-01 2010-04-01 false Increase or reduction in security deposit amount. 703.210 Section 703.210 Employees' Benefits EMPLOYMENT STANDARDS ADMINISTRATION, DEPARTMENT OF... Insurance Carrier Security Deposit Requirements § 703.210 Increase or reduction in security deposit amount...

  4. Pricing General Insurance in a Competitive Market

    OpenAIRE

    Burcã Ana-Maria; Bãtrînca Ghiorghe

    2012-01-01

    In insurance industry, the lack of a proper pricing policy will generate suboptimal results. The price has to be competitive and actuarially adequate in order to reflect the dimension of risk. In a competitive market, the pricing policy of insurance companies acquires the capacities of a dynamic process. In this pricing war, the insurance company must analyze each component of pricing. Insurance companies use various statistical methods to set prices, taking in consideration the interaction b...

  5. Occupational injury insurance - A strategy for prevention?

    DEFF Research Database (Denmark)

    Jacobsen, Thomas

    1993-01-01

    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....

  6. 2007 Saw Fresh Air for Insurance

    Institute of Scientific and Technical Information of China (English)

    2007-01-01

    @@ What happened to China's insurance sector this year?Above all, this year was the first in the new Five-Year Plan for the Standardization of China's Insurance (2007-2011). The Five-Year Plan,released back in February, sets the first standards for the insurance industry in China; meanwhile, it also lays out a blueprint for future development. Additionally, the insurance sector is focused on meeting international standards and levels of service in 2015.

  7. COMPULSORY INSURANCE OF CIVIL LIABILITY IN RUSSIA

    Directory of Open Access Journals (Sweden)

    M. Malik

    2014-03-01

    Full Text Available The article outlines the main trends of compulsory insurance of civil liability in Russia : problems, trends and prospectsInsurance of civil liability – one of the popular forms of distribution and security in the world. The essence of compulsory insurance of civil responsibility is to protect the property interests of individuals. The development of liability insurance goes along with technological progress and reinforced by various laws and regulations, it touches almost all areas of life.

  8. COMPULSORY INSURANCE OF CIVIL LIABILITY IN RUSSIA

    OpenAIRE

    Malik, M.; I. Semenchuk

    2014-01-01

    The article outlines the main trends of compulsory insurance of civil liability in Russia : problems, trends and prospectsInsurance of civil liability – one of the popular forms of distribution and security in the world. The essence of compulsory insurance of civil responsibility is to protect the property interests of individuals. The development of liability insurance goes along with technological progress and reinforced by various laws and regulations, it touches almost all areas of life.

  9. Occupational injury insurance - A strategy for prevention?

    DEFF Research Database (Denmark)

    Jacobsen, Thomas

    1993-01-01

    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....

  10. The Complexity of E-Insurance

    Directory of Open Access Journals (Sweden)

    Marius GAVRILETEA

    2006-01-01

    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

  11. ACTS 2014

    DEFF Research Database (Denmark)

    Co-curator of ACTS 2014 together with Rasmus Holmboe, Judith Schwarzbart and Sanne Kofoed. ACTS is the Museum of Contemporary Art’s international bi-annual festival. ACTS was established in 2011 and, while the primary focus is on sound and performance art, it also looks toward socially oriented art...... various possibilities and public spaces as a stage. ACTS takes place in and around the museum and diverse locations in Roskilde city. ACTS is partly curated by the museum staff and partly by guest curators. ACTS 2014 is supported by Nordea-fonden and is a part of the project The Museum goes downtown....

  12. 41 CFR 60-300.25 - Health insurance, life insurance and other benefit plans.

    Science.gov (United States)

    2010-07-01

    ... 41 Public Contracts and Property Management 1 2010-07-01 2010-07-01 true Health insurance, life insurance and other benefit plans. 60-300.25 Section 60-300.25 Public Contracts and Property Management..., life insurance and other benefit plans. (a) An insurer, hospital, or medical service company,...

  13. 41 CFR 60-250.25 - Health insurance, life insurance and other benefit plans.

    Science.gov (United States)

    2010-07-01

    ... 41 Public Contracts and Property Management 1 2010-07-01 2010-07-01 true Health insurance, life insurance and other benefit plans. 60-250.25 Section 60-250.25 Public Contracts and Property Management..., life insurance and other benefit plans. (a) An insurer, hospital, or medical service company,...

  14. Historical Development of the "Insurance Periodicals Index" by the Insurance Division of the Special Libraries Association.

    Science.gov (United States)

    Ives, Jean E.

    The Insurance Division of the Special Libraries Association began an index to insurance magazines, the "Insurance Periodicals Index" (IPI), in 1962. This study examines its historical development. The index was published monthly in an insurance trade journal and then cumulated into an annual edition. Part of the background for its…

  15. 75 FR 44709 - Common Crop Insurance Regulations; Stonefruit Crop Insurance Provisions

    Science.gov (United States)

    2010-07-29

    ... producers; and to reduce vulnerability to program fraud, waste, and abuse to the Federal crop Insurance... / Thursday, July 29, 2010 / Rules and Regulations#0;#0; ] DEPARTMENT OF AGRICULTURE Federal Crop Insurance Corporation 7 CFR Part 457 RIN 0563-AC21 Common Crop Insurance Regulations; Stonefruit Crop Insurance...

  16. 5 CFR 870.502 - Basic insurance: Waiver/cancellation of insurance.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Basic insurance: Waiver/cancellation of insurance. 870.502 Section 870.502 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Coverage § 870.502 Basic insurance: Waiver/cancellation of...

  17. 5 CFR 870.505 - Optional insurance: Waiver/cancellation of insurance.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Optional insurance: Waiver/cancellation of insurance. 870.505 Section 870.505 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Coverage § 870.505 Optional insurance: Waiver/cancellation...

  18. Dynamic Insurance and Adverse Selection

    NARCIS (Netherlands)

    M.C.W. Janssen (Maarten); V.A. Karamychev (Vladimir)

    2001-01-01

    textabstractWe take a dynamic perspective on insurance markets under adverse selection and study a generalized Rothschild and Stiglitz model where agents may differ with respect to the accidental probability and their expenditure levels in case an accident occurs. We investigate the nature of dynami

  19. Active Chinese Space Insurance Broker

    Institute of Scientific and Technical Information of China (English)

    LiuJie

    2005-01-01

    Aming to become a competitive world commercial launch service provider and satellite provider, Chineseto adapt itselfoperation. New space industry tries to the commercial ssues appear in various areas in the effort such as commercial insurance arrangement for satellites and launch services.

  20. CERN HEALTH INSURANCE SUPERVISORY BOARD

    CERN Multimedia

    Sylvain Weisz

    2002-01-01

    All Members of the CERN Health Insurance Scheme (CHIS) are invited to a: CHIS Public Information Meeting Main Amphitheatre Tuesday 1 October 2002 (14:00-16:00) Topics will include the CHIS balance, trends in costs and the challenges facing our Scheme. Particular emphasis will be placed on hospitalisation in the Geneva area. Sylvain Weisz Chairman of the CHIS Board

  1. Unemployment duration and unemployment insurance

    DEFF Research Database (Denmark)

    Røed, Knut; Jensen, Peter; Thoursie, Anna

    2008-01-01

    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...

  2. [Health care insurance for Africa].

    Science.gov (United States)

    Schellekens, O P; Lindner, M E; van Esch, J P L; van Vugt, M; Rinke de Wit, T F

    2007-12-01

    Long-term substantial development aid has not prevented many African countries from being caught in a vicious circle in health care: the demand for care is high, but the overburdened public supply of low quality care is not aligned with this demand. The majority of Africans therefore pay for health care in cash, an expensive and least solidarity-based option. This article describes an innovative approach whereby supply and demand of health care can be better aligned, health care can be seen as a value chain and health insurance serves as the overarching mechanism. Providing premium subsidies for patients who seek health care through private, collective African health insurance schemes stimulates the demand side. The supply of care improves by investing in medical knowledge, administrative systems and health care infrastructure. This initiative comes from the Health Insurance Fund, a unique collaboration of public and private sectors. In 2006 the Fund received Euro 100 million from the Dutch Ministry of Foreign Affairs to implement insurance programmes in Africa. PharmAccess Foundation is the Fund's implementing partner and presents its first experiences in Africa.

  3. PRIVATE OR PUBLIC PENSION INSURANCE?

    Directory of Open Access Journals (Sweden)

    Bogomil Manov

    2013-03-01

    Full Text Available The most recent trends in population dynamics and increased longevity risk have provoked a rigorous debate whether the private or the public pension insurance system should be predominant. The public pension insurance is dominated by the state that guarantees its stability, but is often compared to a pyramid or a Ponzi scheme. The private pension insurance provides personal retirement accounts and proper ownership of the accumulated funds, but its sustainability during prolonged market crises and inadequate risk sharing are often questioned. In order to address the issue, this study analyzes and compares a large set of arguments and popular opinions in favour and against both pension models. As a result of the study, a conclusion is drawn stating that both types of pension insurance, despite of their positive and negative features have their essential role nowadays. This study is part of a growing set of articles on the feasibility of using a proper combination of the two pension models and will contribute to future research on the topic and might benefit policymakers in taking an appropriate decision.

  4. Agriculture Insurance: Adaptation to Vulnerability of Climate Change in Bali, Indonesia

    Science.gov (United States)

    Ambarawati, I. G. A. A.; Hongo, C.; Mirah Adi, A. A. A.; Tamura, E.

    2014-12-01

    Bali province of Indonesia is worldwide known for its tourist destination and it contributes more than 60 per cent to the regional domestic product. Meanwhile, agricultural sector including rice production still plays an important role in the Bali economy because of its 30 per cent contribution. Rice production in Bali is not just susceptible to loss caused by flood, drought and pest and disease attack but also from the climate change. The impact of climate change on food production in Indonesia is expected to decline in 2050, ranging from 38 per cent to more than ten-folds of the current production (Syaukat, 2011). Accordingly, adaptation to climate changes is required to minimize the risk along with the plans and strategies for food security and sustainable development. The government of Indonesia (GoI) has launched several pilot projects including agriculture insurance program to minimize the risk in production failure particularly rice farming, unfortunately Bali was excluded from the projects. Implementation of agriculture insurance in Indonesia has the legal basis now after the announcement of the Farmer Protection and Empowerment Act (Law No. 19/2013). Agriculture insurance is seen better in mitigating farmer's risk than that of the other program in rice production. The GoI plans to implement the insurance scheme in the beginning of 2015. This scheme is something "new" to farmers in Bali and Indonesia. Considering the importance of crop insurance to agriculture, this study attempts to explore the potential of such insurance to reveal a clear picture of opportunities and challenges in agriculture insurance implementation in Bali. The study empirically presents awareness and perception of farmers towards the insurance and adaptation to vulnerability of climate change. The study concludes with various suggestions for increasing the awareness of farmers for ensuring better penetration of agriculture insurance in Bali. Key words: agriculture insurance, farmer

  5. ASSESSMENT OF THE FINANCIAL STABILITY OF THE INSURANCE COMPANY

    Directory of Open Access Journals (Sweden)

    D. I. Ramazanova

    2015-01-01

    Full Text Available This article considers the assessment of financial stability and solvency of the insurance company, which plays an important role in the selection of the insurer potential insurers, which guarantee payment of insurance compensation when the insured event. The author's approach to assessing the financial stability of the insurance company. Investigated the order analysis of financial stability of the insurance company. Based on the proposed method calculated the indicators of financial stability of the insurance company Rosgosstrakh Ltd.

  6. 78 FR 14034 - Health Insurance Providers Fee

    Science.gov (United States)

    2013-03-04

    ... Internal Revenue Service 26 CFR Part 57 RIN 1545-BL20 Health Insurance Providers Fee AGENCY: Internal... covered entities engaged in the business of providing health insurance for United States health risks... regulations affect persons engaged in the business of providing health insurance for United States health...

  7. Health Insurance and Children with Disabilities

    Science.gov (United States)

    Szilagyi, Peter G.

    2012-01-01

    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…

  8. 3 CFR - State Children's Health Insurance Program

    Science.gov (United States)

    2010-01-01

    ... 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...

  9. EMPLOYEE GROUP PROPERTY AND LIABILITY INSURANCE.

    Science.gov (United States)

    FIELD, IRVING M.

    AN ATTEMPT IS MADE TO ESTABLISH A THEORETICAL FOUNDATION FOR GROUP PROPERTY AND LIABILITY INSURANCE AND TO ADVANCE THE GENERAL HYPOTHESIS THAT THE PRINCIPLES USED IN INSTALLING AND ADMINISTERING GROUP LIFE AND HEALTH INSURANCE ARE APPLICABLE TO THE INSTALLATION AND ADMINISTRATION OF GROUP PROPERTY AND LIABILITY INSURANCE. A SURVEY WAS CONDUCTED TO…

  10. 12 CFR 741.216 - Flood insurance.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Flood insurance. 741.216 Section 741.216 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT UNIONS REQUIREMENTS FOR... Also Apply to Federally Insured State-Chartered Credit Unions § 741.216 Flood insurance. Any...

  11. Stochastic Cooperative Games in Insurance and Reinsurance

    NARCIS (Netherlands)

    Suijs, J.P.M.; De Waegenaere, A.M.B.; Borm, P.E.M.

    1996-01-01

    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 in

  12. Statistical tools for non-life insurance

    NARCIS (Netherlands)

    Antonio, K.

    2008-01-01

    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

  13. Entrepreneurial Moral Hazard in Income Insurance

    NARCIS (Netherlands)

    Ejrnaes, Mette; Hochguertel, Stefan

    2008-01-01

    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 UI-emb

  14. Statistical tools for non-life insurance

    NARCIS (Netherlands)

    Antonio, K.

    2008-01-01

    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

  15. 36 CFR 1210.31 - Insurance coverage.

    Science.gov (United States)

    2010-07-01

    ... 36 Parks, Forests, and Public Property 3 2010-07-01 2010-07-01 false Insurance coverage. 1210.31 Section 1210.31 Parks, Forests, and Public Property NATIONAL ARCHIVES AND RECORDS ADMINISTRATION GENERAL....31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for...

  16. Cancer survival disparities by health insurance status.

    Science.gov (United States)

    Niu, Xiaoling; Roche, Lisa M; Pawlish, Karen S; Henry, Kevin A

    2013-06-01

    Previous studies found that uninsured and Medicaid insured cancer patients have poorer outcomes than cancer patients with private insurance. We examined the association between health insurance status and survival of New Jersey patients 18-64 diagnosed with seven common cancers during 1999-2004. Hazard ratios (HRs) with 95% confidence intervals for 5-year cause-specific survival were calculated from Cox proportional hazards regression models; health insurance status was the primary predictor with adjustment for other significant factors in univariate chi-square or Kaplan-Meier survival log-rank tests. Two diagnosis periods by health insurance status were compared using Kaplan-Meier survival log-rank tests. For breast, colorectal, lung, non-Hodgkin lymphoma (NHL), and prostate cancer, uninsured and Medicaid insured patients had significantly higher risks of death than privately insured patients. For bladder cancer, uninsured patients had a significantly higher risk of death than privately insured patients. Survival improved between the two diagnosis periods for privately insured patients with breast, colorectal, or lung cancer and NHL, for Medicaid insured patients with NHL, and not at all for uninsured patients. Survival from cancer appears to be related to a complex set of demographic and clinical factors of which insurance status is a part. While ensuring that everyone has adequate health insurance is an important step, additional measures must be taken to address cancer survival disparities.

  17. 22 CFR 62.14 - Insurance.

    Science.gov (United States)

    2010-04-01

    ... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Insurance. 62.14 Section 62.14 Foreign Relations DEPARTMENT OF STATE PUBLIC DIPLOMACY AND EXCHANGES EXCHANGE VISITOR PROGRAM General Provisions § 62.14 Insurance. (a) Sponsors shall require each exchange visitor to have insurance in effect which covers the exchange visitor for sickness or...

  18. 20 CFR 617.58 - Unemployment insurance.

    Science.gov (United States)

    2010-04-01

    ... 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...

  19. How Does Ambiguity Affect Insurance Decisions

    Science.gov (United States)

    1990-05-01

    Risks,"Journal of Risk and Insurance , 40, 231-243. [20] Stone, J., (1973b) "A Theory of Capacity and the Insurance of Catastrophic Risks,"Journal of Risk ... and Insurance 40, 339-355. [21] Hogarth, Robin and Kunreuther, Howard (1989a) "Risk, Ambiguity and In- surance" Journal of Risk and Uncertainty 2:5

  20. The insurability of nanomaterial production risk

    Science.gov (United States)

    Mullins, Martin; Murphy, Finbarr; Baublyte, Lijana; McAlea, Eamonn M.; Tofail, Syed A. M.

    2013-04-01

    Without insurance the long-term sustainability of nanotechnology is questionable, but insurance companies are encumbered by their institutional memory of losses from the asbestos crisis and the absence of suitable actuarial models to measure the potential risks of nanotechnology. Here we propose a framework that supports the transfer of nanomaterial production risk to the insurance sector.

  1. Forecasting claims in motor vehicle insurance

    NARCIS (Netherlands)

    Berridge, S.J.

    1998-01-01

    The forecasting of claims is central to the successful operation of an insurance company. Based on six years of claim and policy data for full cover car insurance from a major New Zealand insurance company, we set premiums for rating categories using a simple credibility method, a modified credibili

  2. Forecasting claims in motor vehicle insurance

    NARCIS (Netherlands)

    Berridge, S.J.

    1998-01-01

    The forecasting of claims is central to the successful operation of an insurance company. Based on six years of claim and policy data for full cover car insurance from a major New Zealand insurance company, we set premiums for rating categories using a simple credibility method, a modified credibili

  3. Consumer price sensitivity in Dutch health insurance

    NARCIS (Netherlands)

    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)

    2008-01-01

    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:

  4. ROLE OF INTERNET IN INSURANCE SERVICES REALIZATION

    Directory of Open Access Journals (Sweden)

    N. Prikazyuk

    2014-03-01

    Full Text Available The role of the Internet in the implementation of insurance products is investigated. It is founded the Internet in insurance performs presentable and realizable function. The benefits of using Internet technologies for business of insurance market are determined.

  5. FUNDING OF ACCIDENT INSURANCE IN UKRAINE

    Directory of Open Access Journals (Sweden)

    O. Gamankova

    2016-03-01

    Full Text Available The paper deals with the peculiarities of financial provision of public and private accident insurance. Analyzes the methodology of forming insurance premium rates in private accident insurance. The study examines the practice of reforming the financial security of the state social insurance against accidents. The results show need to implement scientifically proven approach to determining premium rates in the state social insurance based on mathematical statistics and actuarial calculations to ensure that such conditions on the one hand, can insure the risk, and the other - to provide the insurer the ability to perform insurance obligations' commitments. One of the promising areas of improvement Accident Insurance determines to define increasing the role of the private sector to create and attraction of investments, financing, reduce costs, and provision of insurance services on insurance against accidents at a qualitatively higher level. The results show the need to consider the usefulness of a mixed provision of services to accident insurance under state or non-state system, and the viability and effectiveness of the combination of these systems.

  6. The Normative Foundations of (Social) Insurance

    DEFF Research Database (Denmark)

    Landes, Xavier

    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)....

  7. 76 FR 81189 - Application of the Fair Labor Standards Act to Domestic Service

    Science.gov (United States)

    2011-12-27

    ... 552 RIN 1235-AA05 Application of the Fair Labor Standards Act to Domestic Service AGENCY: Wage and... Labor (the Department or DOL) proposes to revise the current Fair Labor Standards Act (FLSA or the Act... insuring that all workers affecting interstate commerce are protected by the Fair Labor Standards Act...

  8. 76 FR 75799 - General Administrative Regulations; Mutual Consent Cancellation; Food Security Act of 1985...

    Science.gov (United States)

    2011-12-05

    ... Consent Cancellation; Food Security Act of 1985, Implementation; Denial of Benefits; and Ineligibility for... Crop Insurance Act. (1) Section 1764 of the Food Security Act of 1985 (Pub. L. 99-198); (2) 21 U.S.C...-- 3. Remove and Reserve subpart F, Food Security Act of 1985, Implementation; Denial of Benefits. 4...

  9. The impact of insurance coverage during insurance reform on diagnostic resolution of cancer screening abnormalities.

    Science.gov (United States)

    Kapoor, Alok; Battaglia, Tracy A; Isabelle, Alexis P; Hanchate, Amresh D; Kalish, Richard L; Bak, Sharon; Mishuris, Rebecca G; Shroff, Swati M; Freund, Karen M

    2014-02-01

    We examined the impact of Massachusetts insurance reform on the care of women at six community health centers with abnormal breast and cervical cancer screening to investigate whether stability of insurance coverage was associated with more timely diagnostic resolution. We conducted Cox proportional hazards models to predict time from cancer screening to diagnostic resolution, examining the impact of 1) insurance status at time of screening abnormality, 2) number of insurance switches over a three-year period, and 3) insurance history over a three-year period. We identified 1,165 women with breast and 781 with cervical cancer screening abnormalities. In the breast cohort, Medicaid insurance at baseline, continuous public insurance, and losing insurance predicted delayed resolution. We did not find these effects in the cervical cohort. These data provide evidence that stability of health insurance coverage with insurance reform nationally may improve timely care after abnormal cancer screening in historically underserved women.

  10. SERVICE QUALITY MEASUREMENT AND DEMAND FOR INSURANCE: AN EMPIRICAL STUDY FROM NIGERIAN INSURANCE INDUSTRY

    Directory of Open Access Journals (Sweden)

    Abass, OlufemiAdebowale

    2016-11-01

    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.

  11. NONMETALS DEPOSITS

    Institute of Scientific and Technical Information of China (English)

    2010-01-01

    <正>20102406 Chen Gang(China University of Geosciences,Beijing 100083,China);Li Fengming Discussion on Geological Characteristics and Genesis of Yuquanshan Graphite Deposit of Xinjiang(Xinjiang Geology,ISSN1000-8845,CN65-1092/P,27(4),2009,p.325-329,4 illus.,4 tables,5 refs.)Key words:graphite deposit,XinjiangYuquanshan graphite deposit of Xinjiang occurs in mica-quartz schist of Xingeer Information which belongs to Xinditate Group of Lower Pt in Kuluketage Block of Tarim paleo-continent,and experiences two mineralizing periods of

  12. Consumer choice of social health insurance in managed competition.

    NARCIS (Netherlands)

    Kerssens, J.J.; Groenewegen, P.P.

    2003-01-01

    Objective: To promote managed competition in Dutch health insurance, the insured are now able to change health insurers. They can choose a health insurer with a low flat-rate premium, the best supplementary insurance and/or the best service. As we do not know why people prefer one health insurer to

  13. Consumer choice of social health insurance in managed competition

    NARCIS (Netherlands)

    Kerssens, Jan J.; Groenewegen, Peter P.

    2003-01-01

    Objective To promote managed competition in Dutch health insurance, the insured are now able to change heaith insurers. They can choose a health insurer with a low flat-rate premium, the best supplementary insurance and/or the best service. As we do not know why people prefer one health insurer to

  14. Life Insurance Basics: A Self-Help Workbook for Consumers.

    Science.gov (United States)

    Saskatchewan Consumer and Commercial Affairs, Regina.

    This booklet provides consumers with an overview of information about life insurance. Chapter 1, "Why Life Insurance?" outlines the primary purposes of life insurance coverage and presents basic facts about the Canadian life insurance industry. Chapter 2, "Do I Need Life Insurance?" discusses life insurance coverage at specific age levels and…

  15. Consumer choice of social health insurance in managed competition.

    NARCIS (Netherlands)

    Kerssens, J.J.; Groenewegen, P.P.

    2003-01-01

    Objective: To promote managed competition in Dutch health insurance, the insured are now able to change health insurers. They can choose a health insurer with a low flat-rate premium, the best supplementary insurance and/or the best service. As we do not know why people prefer one health insurer to

  16. Consumer choice of social health insurance in managed competition

    NARCIS (Netherlands)

    Kerssens, Jan J.; Groenewegen, Peter P.

    2003-01-01

    Objective To promote managed competition in Dutch health insurance, the insured are now able to change heaith insurers. They can choose a health insurer with a low flat-rate premium, the best supplementary insurance and/or the best service. As we do not know why people prefer one health insurer to a

  17. 14 CFR 198.7 - Amount of insurance coverage available.

    Science.gov (United States)

    2010-01-01

    ... (CONTINUED) WAR RISK INSURANCE AVIATION INSURANCE § 198.7 Amount of insurance coverage available. (a) For... arising from any risk. In the case of hull insurance, the amount insured may not exceed the reasonable... 14 Aeronautics and Space 3 2010-01-01 2010-01-01 false Amount of insurance coverage available....

  18. The impact of public intervention on self-insurance and insurance activities in risky forest management

    OpenAIRE

    Brunette, Marielle; Couture, Stéphane; Association of Environmental and Resource Economists

    2007-01-01

    As suggested by Birot and Gollier (2001), one explenation of the low interest in insuring against fire and wind is the expectation that public subsidies will compensate the losses. This article examines the robustness of this explanation in a general model with many states of the world. We developp a theoretical model of self-insurance or insurance choice that emphasizes the interaction between market insurance, self-insurance and public intervention in forest. The effects of changes in the p...

  19. 12 CFR 347.104 - Insured state nonmember bank investments in foreign organizations.

    Science.gov (United States)

    2010-01-01

    ... held through a domestic or foreign subsidiary; and (2) The bank meets its minimum capital requirements. ... foreign organizations. 347.104 Section 347.104 Banks and Banking FEDERAL DEPOSIT INSURANCE CORPORATION... investments in foreign organizations. (a) Investment in foreign banks or foreign banking organizations. A...

  20. 49 CFR Appendix A- to Part 544... - Appendix A- to Part 544 Insurers of Motor Vehicle Insurance Policies Subject to the Reporting...

    Science.gov (United States)

    2010-10-01

    ... Family Insurance Group American International Group Auto Club Enterprise Insurance Group 1 Auto-Owners... American Family Insurance Group American International Group Auto Club Enterprise Insurance Group...

  1. 78 FR 75581 - Patient Protection and Affordable Care Act; Establishment of the Multi-State Plan Program for the...

    Science.gov (United States)

    2013-12-12

    ... MANAGEMENT Patient Protection and Affordable Care Act; Establishment of the Multi-State Plan Program for the Affordable Insurance Exchanges; Announcement AGENCY: Office of Personnel Management (OPM). ACTION: Notice of... Affordable Care Act; Establishment of the Multi-State Plan Program for the Affordable Insurance...

  2. Acceptability of, and willingness to pay for, community health insurance in rural India.

    Science.gov (United States)

    Jain, Ankit; Swetha, Selva; Johar, Zeena; Raghavan, Ramesh

    2014-09-01

    To understand the acceptability of, and willingness to pay for, community health insurance coverage among residents of rural India. We conducted a mixed methods study of 33 respondents located in 8 villages in southern India. Interview domains focused on health-seeking behaviors of the family for primary healthcare, household expenditures on primary healthcare, interest in pre-paid health insurance, and willingness to pay for such a product. Most respondents reported that they would seek care only when symptoms were manifest; only 6 respondents recognized the importance of preventative services. None reported impoverishment due to health expenditures. Few viewed health insurance as necessary either because they did not wish to be early adopters, because they had alternate sources of financial support, or because of concerns with the design of insurance coverage or the provider. Those who were interested reported being willing to pay Rs. 1500 ($27) as the modal annual insurance premium. Penetration of community health insurance programs in rural India will require education of the consumer base, careful attention to premium rate setting, and deeper understanding of social networks that may act as financial substitutes for health insurance. Copyright © 2013 Ministry of Health, Saudi Arabia. Published by Elsevier Ltd. All rights reserved.

  3. The role of environmental insurance in maintaining environmental safety of the region

    Directory of Open Access Journals (Sweden)

    Svetlana Yevgenyevna Shipitsyna

    2013-03-01

    Full Text Available In the article, the development problems of environmental insurance as a risk management method for maintaining environmental safety in the region are considered. The detailed analysis of the laws of the Russian Federation in conservation activity is presented; contradictions and shortcomings arerevealed. Ways of overcoming of theexisting formalcharacter of maintaining environmental safety in the Russian regions are offered. In particular, extension of insurance covering in the current law «On compulsory insurance of the civil liability of an owner of dangerous installation on the infliction of harm as a result of accident on dangerous installation» at the expense of inclusion in number of insurance risks of risk of environmental harm. The special attention in the article is paid to insurance of public liability of owners of chemical objects as the most dangerous to the environment. The methodology of actuarial expectation is added with a risk assessment of expert services with the use of a scoring method allowing evaluating real danger to the population and the environment by the chemicals, which are especially acting in small doses. Furthermore, the added calculation methodology of insurance tariffs allows using preventive function of insurance, not so popular in Russian practices. That gives a new source of financing of nature-conservative measures in the region

  4. Life Insurance - Their Characteristics Importance and Actuality On The Romanian Market

    Directory of Open Access Journals (Sweden)

    Oana Claudia Ionescu

    Full Text Available For the twenty-first century life, there cannot be a real, long-term and sustained progress, without insurance. Let’s only consider the avalanche of natural disasters and acts of terrorism in recent years that have affected many parts of the world, brought suffering to millions of people and caused huge economic losses. The common knowledge that a country’s economic strength lays in bankingand insurance needs no arguments. It is not accidental that the most stable economies, where even population’s prosperity is remarkable, are found in countries where insurance is well represented in economic life. In a modern economy, insurances play an important role due to its contribution to financial stability, by promoting effective control of various risk categories and mobilizing people’s savings. This paper plans to identify the main characteristics, trends and developments of life insurance products and their market, as well as the interactions between the insurance sector, banks and financial markets and to highlight some of the determinants of insurance demand. Also, another topic addressed is the current economic context, and the effects of inflation and economic recession on this sector. Finally, this paper contains a short observation of the evolution of this particular market, striving to make a “prediction” of the immediate prospects of this activity.

  5. How do health insurer market concentration and bargaining power with hospitals affect health insurance premiums?

    Science.gov (United States)

    Trish, Erin E; Herring, Bradley J

    2015-07-01

    The US health insurance industry is highly concentrated, and health insurance premiums are high and rising rapidly. Policymakers have focused on the possible link between the two, leading to ACA provisions to increase insurer competition. However, while market power may enable insurers to include higher profit margins in their premiums, it may also result in stronger bargaining leverage with hospitals to negotiate lower payment rates to partially offset these higher premiums. We empirically examine the relationship between employer-sponsored fully-insured health insurance premiums and the level of concentration in local insurer and hospital markets using the nationally-representative 2006-2011 KFF/HRET Employer Health Benefits Survey. We exploit a unique feature of employer-sponsored insurance, in which self-insured employers purchase only administrative services from managed care organizations, to disentangle these different effects on insurer concentration by constructing one concentration measure representing fully-insured plans' transactions with employers and the other concentration measure representing insurers' bargaining with hospitals. As expected, we find that premiums are indeed higher for plans sold in markets with higher levels of concentration relevant to insurer transactions with employers, lower for plans in markets with higher levels of insurer concentration relevant to insurer bargaining with hospitals, and higher for plans in markets with higher levels of hospital market concentration. Copyright © 2015 Elsevier B.V. All rights reserved.

  6. NONMETALS DEPOSITS

    Institute of Scientific and Technical Information of China (English)

    2014-01-01

    <正>20140876 Gao Junbo(College of Resources and Environmental Engineering,Guizhou University,Guiyang 550025,China);Yang Ruidong Study on the Strontium Isotopic Composition of Large Devonian Barite Deposits from Zhenning,Guizhou Province(Geochimica,

  7. Risk transfer solutions for the insurance industry

    Directory of Open Access Journals (Sweden)

    Njegomir Vladimir

    2009-01-01

    Full Text Available The paper focuses on the traditional and alternative mechanisms for insurance risk transfer that are available to global as well as to domestic insurance companies. The findings suggest that traditional insurance risk transfer solutions available to insurance industry nowadays will be predominant in the foreseeable future but the increasing role of alternative solutions is to be expected as the complementary rather than supplementary solution to traditional transfer. Additionally, findings suggest that it is reasonable to expect that future development of risk transfer solutions in Serbia will follow the path that has been passed by global insurance industry.

  8. Neoliberalism and criticisms of earthquake insurance arrangements in New Zealand.

    Science.gov (United States)

    Hay, I

    1996-03-01

    Global collapse of the Fordist-Keynesian regime of accumulation and an attendant philosophical shift in New Zealand politics to neoliberalism have prompted criticisms of, and changes to, the Earthquake and War Damage Commission. Earthquake insurance arrangements made 50 years ago in an era of collectivist, welfarist political action are now set in an environment in which emphasis is given to competitive relations and individualism. Six specific criticisms of the Commission are identified, each of which is founded in the rhetoric and ideology of a neoliberal political project which has underpinned radical social and economic changes in New Zealand since the early 1980s. On the basis of those criticisms, and in terms of the Earthquake Commission Act 1993, the Commission has been restructured. The new Commission is withdrawing from its primary position as the nation's non-residential property hazards insurer and is restricting its coverage of residential properties.

  9. NONMETALS DEPOSITS

    Institute of Scientific and Technical Information of China (English)

    2012-01-01

    <正>20122457 Cai Jianshe ( Fujian Institute of Geological Survey and Drawing,Fuzhou 350011,China ) On the Geologic Characteristics and Genesis of the Longtangsi Fluorite Deposit in Pucheng County,Fujian Province ( Geology of Fujian,ISSN1001-3970,CN35-1080 / P,30 ( 4 ), 2011,p.301-306,3illus.,1table,6 refs.,with English abstract ) Key words:fluorspar deposit,Fujian Province

  10. Does Medicaid Make a Difference? Findings from the Commonwealth Fund Biennial Health Insurance Survey, 2014.

    Science.gov (United States)

    Blumenthal, David; Rasmussen, Petra W; Collins, Sara R; Doty, Michelle M

    2015-06-01

    As millions of Americans gain Medicaid coverage under the Affordable Care Act, attention has focused on the access to care, quality of care, and financial protection that coverage provides. This analysis uses the Commonwealth Fund Biennial Health Insurance Survey, 2014, to explore these questions by comparing the experiences of working-age adults with private insurance who were insured all year, Medicaid beneficiaries with a full year of coverage, and those who were uninsured for some time during the year. The survey findings suggest that Medicaid coverage provides access to care that in most aspects is comparable to private insurance. Adults with Medicaid coverage reported better care experiences on most measures than those who had been uninsured during the year. Medicaid beneficiaries also seem better protected from the cost of illness than do uninsured adults, as well as those with private coverage.

  11. Why are low-income teens more likely to lack health insurance than their younger peers?

    Science.gov (United States)

    Leininger, Lindsey Jeanne; Burns, Marguerite E

    2011-01-01

    Low-income teenagers are more likely to lack health insurance than younger children. Using data from the 2006, 2007, and 2008 rounds of the National Health Interview Survey, we examine whether differences between teens and younger children in socioeconomic factors, public health insurance eligibility, and observable family characteristics explain this apparent age-related coverage gap. Somewhat surprisingly, they do not. We find a highly robust age-coverage gradient among poor and near-poor children. Our results suggest the need to examine teen-specific insurance enrollment dynamics, particularly in families with no younger siblings, to optimize the effect of the newly enacted Patient Protection and Affordable Care Act on teens' insurance coverage.

  12. Private Health Insurance Exchanges: Early Evidence and Implications for the Future.

    Science.gov (United States)

    Buttorff, Christine; Nowak, Sarah; Syme, James; Eibner, Christine

    2017-01-01

    Private health insurance exchanges offer employer health insurance, combining online shopping, increased plan choice, benefit administration, and cost-containment strategies. This article examines how private exchanges function, how they may affect employers and employees, and the possible implications for the Affordable Care Act's (ACA's) Small Business Health Options Program (SHOP) Marketplaces. The authors found that private exchanges could encourage employees to select less-generous plans. This could expose employees to higher out-of-pocket costs, but premium contributions would drop substantially, so net spending would decrease. On the other hand, employee spending may increase if, in moving to private exchanges, employers decrease their health insurance contributions. Most employers can avoid the ACA's "Cadillac tax" by reducing the generosity of the plans they offer, regardless of whether they move to a private exchange. There is not yet enough evidence to determine whether the private exchanges will become prominent in the insurance market and how they will affect employers and their employees.

  13. Servicemembers' Group Life Insurance--Veterans' Group Life Insurance regulation update--ABO, VGLI application, SGLI 2-year disability extension. Final rule.

    Science.gov (United States)

    2014-07-31

    This document amends the Department of Veterans Affairs (VA) insurance regulations concerning Servicemembers' Group Life Insurance (SGLI) to reflect the statutory provisions of the Veterans' Benefits Act of 2010, which became law on October 13, 2010, and resulted in the need for amendments to change the SGLI Disability Extension period from 1 year to 2 years in duration; provide SGLI Traumatic Injury Protection (TSGLI) retroactive coverage effective from October 7, 2001, for all qualifying injuries regardless of the geographic location and military operation in which the injuries were incurred; and remove the SGLI and Veterans' Group Life Insurance (VGLI) Accelerated Benefits Option (ABO) discount rate. This rule also clarifies that ``initial premium'' refers to ``initial Veterans' Group Life Insurance premium,'' updates the current address of the Office of Servicemembers' Group Life Insurance (OSGLI), managed by Prudential Insurance Company of America, to reflect where the ABO application is mailed for processing, and corrects the OSGLI phone number. Finally, this rule removes the ABO application form from the regulation, and it corrects and clarifies language concerning the VGLI application period that was inadvertently incorrectly modified in a prior amendment of the regulations.

  14. Recent developments in health insurance, life insurance, and disability insurance case law.

    Science.gov (United States)

    Hasman, Joseph J; Chittenden, William A; Doolin, Elizabeth G; Wall, Julie F

    2008-01-01

    This survey reviews significant state and federal court decisions from 2006 and 2007 involving health, life, and disability insurance. Also reviewed is a June 2008 Supreme Court decision in the disability insurance realm, affirming that a conflict of interest exists when an ERISA plan sponsor or insurer fulfills the dual role of determining plan benefits and paying those benefits but noting that the conflict is merely one factor in considering the legality of benefit denials. In addition, this years' survey includes compelling decisions in the life and health arena, including cases addressing statutory penalties and mandated benefits, as well as some ERISA decisions of note. This year, the Texas Supreme Court held that Texas's most recent version of the prompt payment statute abolished the common law interpleader exception and allowed the prevailing adverse claimant in an interpleader action filed beyond the sixty-day statutory period to recover statutory interest and attorney fees from the insurer. Meanwhile, the Court of Appeals of New York upheld the constitutionality of a statute mandating coverage for contraceptives in those employer-sponsored health plans that offer prescription drug coverage, including those plans sponsored by faith-based social service organizations. In the ERISA context, litigants continue to fight over the standard of review with varying results. In a unique assault on the arbitrary and capricious standard of review, the Fourth Circuit found that an ERISA plan abused its discretion when it failed to apply the doctrine of contra proferentem to construe ambiguous plan terms against itself. In more hopeful news for plan insurers, the Tenth Circuit held that claimants are not entitled to review and rebut medical opinions generated during the administrative appeal of a claim denial before a final decision is reached unless such reports contain new factual information.

  15. Considerations on Albanian Life Insurance Market

    Directory of Open Access Journals (Sweden)

    Gentiana Sharku

    2011-03-01

    Full Text Available The life insurance sector is an important sector of the economy all over the world. Life insurance provides the economy and the individuals as well, a variety of fundamental financial services.Regardless the importance it has all around the world, life insurance market in Albania is still underdeveloped comparing not only to the Western European countries, but to the region countries as well. The comparative analysis of insurance market is carried out by means of two indexes: insurance density and penetration index. The life insurance market in Albania is facing several problems which will be further explained in the paper, together with some recommendations to be taken in account by Albanian insurance companies and the Albanian government as well.

  16. Entrepreneurial Moral Hazard in Income Insurance

    DEFF Research Database (Denmark)

    Ejrnæs, 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 UI......-embedded, government-subsidized early retirement (ER) program, giving benefits that are unrelated to business risk. Indeed, we argue that the self-employeds' incentives to insure themselves stem from the ER plan rather than from the UI cover. We show how to use a policy reform to identify moral hazard in observed...... transitions to unemployment when insurance is a choice variable. We use administrative (register) panel data covering 10% of the Danish population. We find that the insured are indeed more likely to transit into unemployment than the uninsured, once we properly instrument for the insurance choice....

  17. 75 FR 37410 - Privacy Act of 1974; System of Records

    Science.gov (United States)

    2010-06-29

    ... Regulation (DoD 6025.18-R) issued pursuant to the Health Insurance Portability and Accountability Act of 1996... Portability and Accountability Act of 1996, applies to most such health information. DoD 6025.18-R may place.../software safeguard features and controls which meet administrative, physical, and technical...

  18. Financial Loss for Inpatient Care of Medicaid-Insured Children.

    Science.gov (United States)

    Colvin, Jeffrey D; Hall, Matt; Berry, Jay G; Gottlieb, Laura M; Bettenhausen, Jessica L; Shah, Samir S; Fieldston, Evan S; Conway, Patrick H; Chung, Paul J

    2016-11-01

    Medicaid payments tend to be less than the cost of care. Federal Disproportionate Share Hospital (DSH) payments help hospitals recover such uncompensated costs of Medicaid-insured and uninsured patients. The Patient Protection and Affordable Care Act reduces DSH payments in anticipation of fewer uninsured patients and therefore decreased uncompensated care. However, unlike adults, few hospitalized children are uninsured, while many have Medicaid coverage. Therefore, DSH payment reductions may expose extensive Medicaid financial losses for hospitals serving large absolute numbers of children. To identify types of hospitals with the highest Medicaid losses from pediatric inpatient care and to estimate the proportion of losses recovered through DSH payments. This retrospective cross-sectional analysis evaluated Medicaid-insured hospital discharges of patients 20 years and younger from 23 states in the 2009 Kids' Inpatient Database. The dates of the analysis were March to September 2015. Hospitals were categorized as freestanding children's hospitals (FSCHs), children's hospitals within general hospitals, non-children's hospital teaching hospitals, and non-children's hospital nonteaching hospitals. Financial records of FSCHs in the data set were used to estimate the proportion of Medicaid losses recovered through DSH payments. Hospital financial losses from inpatient care of Medicaid-insured children (defined as the reimbursement minus the cost of care) were compared across hospital types. For our subsample of FSCHs, Medicaid-insured inpatient financial losses were calculated with and without each hospital's DSH payment. The 2009 Kids' Inpatient Database study population included 1485 hospitals and 843 725 Medicaid-insured discharges. Freestanding children's hospitals had a higher median number of Medicaid-insured discharges (4082; interquartile range [IQR], 3524-5213) vs non-children's hospital teaching hospitals (674; IQR, 258-1414) and non-children's hospital

  19. Pricing behaviour of nonprofit insurers in a weakly competitive social health insurance market.

    Science.gov (United States)

    Douven, Rudy C H M; Schut, Frederik T

    2011-03-01

    In this paper we examine the pricing behaviour of nonprofit health insurers in the Dutch social health insurance market. Since for-profit insurers were not allowed in this market, potential spillover effects from the presence of for-profit insurers on the behaviour of nonprofit insurers were absent. Using a panel data set for all health insurers operating in the Dutch social health insurance market over the period 1996-2004, we estimate a premium model to determine which factors explain the price setting behaviour of nonprofit health insurers. We find that financial stability rather than profit maximisation offers the best explanation for health plan pricing behaviour. In the presence of weak price competition, health insurers did not set premiums to maximize profits. Nevertheless, our findings suggest that regulations on financial reserves are needed to restrict premiums. Copyright © 2011 Elsevier B.V. All rights reserved.

  20. Earthquake Disaster Management and Insurance

    Institute of Scientific and Technical Information of China (English)

    2004-01-01

    As one of the most powerful tools to reduce the earthquake loss, the Earthquake Disaster Management [EDM] and Insurance [EI] have been highlighted and have had a great progress in many countries in recent years. Earthquake disaster management includes a series of contents, such as earthquake hazard and risk analysis, vulnerability analysis of building and infrastructure, earthquake aware training, and building the emergency response system. EI, which has been included in EDM after this practice has been...

  1. Car insurance information management system

    OpenAIRE

    Sun, Yu

    2015-01-01

    A customer information system is a typical information management system. It involves three aspects, the backstage database establishment, the application development and the system maintenance. A car insurance information management system is based on browser/server structure. Microsoft SQL Server establishes the backstage database. Active Server Pages, from Microsoft as well is used as the interface layer. The objective of this thesis was to apply ASP to the dynamic storage of a web page...

  2. The Impact of the Dodd-Frank Act on Financial Stability and Economic Growth

    Directory of Open Access Journals (Sweden)

    Martin Neil Baily

    2017-01-01

    Full Text Available This article assesses the benefits and costs of key provisions of the Dodd-Frank Act that strengthened regulation following the financial crisis. The provisions are placed into five groupings: clear wins, clear losses, costly tradeoffs, unfinished business, and too soon to tell. Clear wins include higher prudential standards, including for capital; the single-point-of-entry resolution authority; creation of the Consumer Financial Protection Bureau; and greater transparency and oversight of derivatives. Clear losses are restrictions on Federal Reserve emergency lending authority and forcing the Federal Deposit Insurance Corporation to obtain permission from Congress before providing temporary liquidity guarantees. Costly tradeoffs are the Volcker Rule and the Lincoln Amendment. Unfinished business includes regulatory consolidation and more independence for the Financial Stability Oversight Council and the Office of Financial Research. Too soon to tell are requirements and standards for leverage ratios, capital buffers, stress testing, and liquidity requirements.

  3. Life insurance theory actuarial perspectives

    CERN Document Server

    Vylder, F Etienne

    1997-01-01

    This book is different from all other books on Life Insurance by at least one of the following characteristics 1-4. 1. The treatment of life insurances at three different levels: time-capital, present value and price level. We call time-capital any distribution of a capital over time: (*) is the time-capital with amounts Cl, ~, ... , C at moments Tl, T , ..• , T resp. N 2 N For instance, let (x) be a life at instant 0 with future lifetime X. Then the whole oO oO life insurance A is the time-capital (I,X). The whole life annuity ä is the x x time-capital (1,0) + (1,1) + (1,2) + ... + (I,'X), where 'X is the integer part ofX. The present value at 0 of time-capital (*) is the random variable T1 T TN Cl V + ~ v , + ... + CNV . (**) In particular, the present value ofA 00 and ä 00 is x x 0 0 2 A = ~ and ä = 1 + v + v + ... + v'X resp. x x The price (or premium) of a time-capital is the expectation of its present value. In particular, the price ofA 00 and äx 00 is x 2 A = E(~) and ä = E(I + v + v + ... + v'X...

  4. NONMETALS DEPOSITS

    Institute of Scientific and Technical Information of China (English)

    2011-01-01

    <正>20110947 Chen Xinglong(Guizhou Bureau of Nonferrous Metal and Nuclear Geology,Guiyang 550005,China);Gong Heqiang Endowment Factors and Development & Utilization Strategy of Bauxite Resource in North Guizhou Province(Guizhou Geology,ISSN1000-5943,CN52-1059/P,27(2),2010,p.106-110,6 refs.,with English abstract)Key words:bauxite deposit,Guizhou Province20110948 Dang Yanxia(Mineral Resource & Reservoir Evaluation Center,Urumiq 830000,China);Fan Wenjun Geological Features and a Primary Study of Metallogenesis of the Wucaiwang Zeolite Deposit,Fuyun County(Xinjiang Geology,ISSN1000-8845,CN65-1092/P,28(2),2010,p.167-170,2 illus.,1 table,5 refs.)Key words:zeolite deposit,Xinjiang Nearly all zeolite deposits in the world result from low-temperature-alteration of glass-bearing volcanic rocks.The southern slope of the Kalamali Mountain is one of the regions where medium to acid volcanics are major lithological type,thus it is a preferred area to look for zeolite deposit.The Wucaiwang zeolite ore district consists of mainly acid volcanic-clastic rocks.

  5. THE IMPACT ON WOMEN ON THE REMOVAL OF GENDER AS A RATING VARIABLE IN MOTOR-VEHICLE INSURANCE

    Directory of Open Access Journals (Sweden)

    Anthea Natalie Wagener

    2013-04-01

    Full Text Available Insurers use actuarial statistics as rating variables to differentiate and distinguish for the purposes of risk classification. They justify their use of actuarial statistics due to its accuracy as a predictor of risk. South African motor-vehicle insurers use gender, inter alia, as a rating variable to classify risks into certain classes and to determine insurance premiums. Depending upon whether the insured is male or female, it could have a significant impact on the cost of his or her premium. Women drivers pay less for motor-vehicle insurance because actuarial statistics indicate that women are more careful drivers and are involved in 20 per cent fewer accidents than men. Men pay higher premiums because the statistics indicate that they are less responsible drivers than women.Should a South African court decide that the use of gender as a motor-vehicle insurance rating variable is unfair discrimination, this would benefit male drivers, as it would lower their premium. Women, on the other hand, would be disadvantaged as they would be required to pay higher premiums to subsidise men. The article examines the impact that the removal of gender as a rating variable in motor-vehicle insurance would have on women, and asks if the effects thereof would influence a South African Court’s decision in determining if the use of gender as a rating variable amounts to unfair discrimination. The article first considers the findings of American and Canadian Courts in determining this same issue and then considers South African equality legislation, particularly the Promotion of Equality and Prevention of Unfair Discrimination Act 4 of 2000 (“the Equality Act”. Thereafter, the article provides recommendations for a South African Court. As the Equality Act indicates that the discriminatory insurance practice of placing a disadvantage or advantage on persons based inter alia on their gender may possibly be unfair, it is suggested that South African

  6. Portability of health insurance: COBRA expansions and small group market reform.

    Science.gov (United States)

    Fronstin, P

    1995-10-01

    Proposals are currently being put forth to change the health care system incrementally. One area of proposed legislation addresses portability, which allows an individual to change insurers without being subjected to a new waiting period for preexisting conditions. These proposals, discussed in this Issue Brief, contain provisions to limit preexisting condition exclusions, guarantee access to health insurance, guarantee renewal of health insurance, allow individuals to contribute to medical savings accounts on a pretax basis, and change the current law under the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA). The proposals would affect insurers, employers, and insured individuals by potentially increasing the cost of providing and purchasing health insurance. Concern about the portability of health insurance primarily arises in situations where an individual is leaving, or would like to leave, a job. If health insurance is not offered by a prospective employer, if the worker must satisfy a waiting period before becoming eligible for coverage, if the benefits package offered through the prospective employer is less generous, or if the employee (or a dependent) has a medical condition that is considered a preexisting condition and would not be covered by the new plan, the employee may opt to remain with his or her current employer--a situation known as job lock. Expansions of COBRA may not have any effect on portability. Employers can charge up to 102 percent of the premium for COBRA coverage, making it unaffordable for many workers. Because cost is a major factor, if there is no reduction in cost (or health care cost inflation) there could be little or no increase in coverage. According to one survey, in 1994 average COBRA costs were $5,301 per COBRA covered worker, compared with $3,420 for active employees. Any expansion of COBRA would almost certainly increase employer cost for health insurance.(ABSTRACT TRUNCATED AT 400 WORDS)

  7. What drives insurer participation and premiums in the Federally-Facilitated Marketplace?

    Science.gov (United States)

    Abraham, Jean Marie; Drake, Coleman; McCullough, Jeffrey S; Simon, Kosali

    2017-04-26

    We investigate determinants of market entry and premiums within the context of the Affordable Care Act's Marketplaces for individual insurance. Using Bresnahan and Reiss (1991) as the conceptual framework, we study how competition and firm heterogeneity relate to premiums in 36 states using Federally Facilitated or Supported Marketplaces in 2016. Our primary data source is the Qualified Health Plan Landscape File, augmented with market characteristics from the American Community Survey and Area Health Resource File as well as insurer-level information from federal Medical Loss Ratio annual reports. We first estimate a model of insurer entry and then investigate the relationship between a market's predicted number of entrants and insurer-level premiums. Our entry model results suggest that competition is increasing with the number of insurers, most notably as the market size increases from 3 to 4 entrants. Results from the premium regression suggest that each additional entrant is associated with approximately 4% lower premiums, controlling for other factors. An alternative explanation for the relationship between entrants and premiums is that more efficient insurers (who can price lower) are the ones that enter markets with many entrants, and this is reflected in lower premiums. An exploratory analysis of insurers' non-claims costs (a proxy for insurer efficiency) reveals that average costs among entrants are rising slightly with the number of insurers in the market. This pattern does not support the hypothesis that premiums decrease with more entrants because those entrants are more efficient, suggesting instead that the results are being driven mostly by price competition.

  8. PROVIDER CHOICE FOR OUTPATIENT HEALTH CARE SERVICES IN INDONESIA: THE ROLE OF HEALTH INSURANCE

    Directory of Open Access Journals (Sweden)

    Budi Hidayat

    2012-11-01

    Full Text Available Background: Indonesian's health care system is characterized by underutilized of the health-care infrastructure. One of the ways to improve the demand for formal health care is through health insurance. Responding to this potentially effective policy leads the Government of Indonesia to expand health insurance coverage by enacting the National Social Security Act in 2004. In this particular issue, understanding provider choice is therefore a key to address the broader policy question as to how the current low uptake of health care services could be turned in to an optimal utilization. Objective:To estimate a model of provider choice for outpatient care in Indonesia with specific attention being paid to the role of health insurance. Methods: A total of 16485 individuals were obtained from the second wave of the Indonesian Family Life survey. A multinomial logit regression model was applied to a estimate provider choice for outpatient care in three provider alternative (public, private and self-treatment. A policy simulation is reported as to how expanding insurance benefits could change the patterns of provider choice for outpatient health care services. Results: Individuals who are covered by civil servant insurance (Askes are more likely to use public providers, while the beneficiaries of private employees insurance (Jamsostek are more likely to use private ones compared with the uninsured population. The results also reveal that less healthy, unmarried, wealthier and better educated individuals are more likely to choose private providers than public providers. Conclusions: Any efforts to improve access to health care through health insurance will fail if policy-makers do not accommodate peoples' preferences for choosing health care providers. The likely changes in demand from public providers to private ones need to be considered in the current social health insurance reform process, especially in devising premium policies and benefit packages

  9. Diabetes and the Affordable Care Act.

    Science.gov (United States)

    Burge, Mark R; Schade, David S

    2014-07-01

    The Affordable Care Act--"Obamacare"--is the most important federal medical legislation to be enacted since Medicare. Although the goal of the Affordable Care Act is to improve healthcare coverage, access, and quality for all Americans, people with diabetes are especially poised to benefit from the comprehensive reforms included in the act. Signed into law in 2010, this massive legislation will slowly be enacted over the next 10 years. In the making for at least a decade, it will affect every person in the United States, either directly or indirectly. In this review, we discuss the major changes in healthcare that will take place in the next several years, including (1) who needs to purchase insurance on the Web-based exchange, (2) the cost to individuals and the rebates that they may expect, (3) the rules and regulations for purchasing insurance, (4) the characteristics of the different "metallic" insurance plans that are available, and (5) the states that have agreed to participate. With both tables and figures, we have tried to make the Affordable Care Act both understandable and appreciated. The goal of this comprehensive review is to highlight aspects of the Affordable Care Act that are of importance to practitioners who care for people with diabetes by discussing both the positive and the potentially negative aspects of the program as they relate to diabetes care.

  10. METALS DEPOSITS

    Institute of Scientific and Technical Information of China (English)

    2009-01-01

    <正>20091594 Bao Yafan(The Third Geologic Survey of Jilin Province,Siping 136000,China);Liu Yanjun Relations between Bashenerxi Granite,West Dongkunlun and Baiganhu Tungsten-Tin Deposit(Jilin Geology,ISSN1001-2427,CN22-1099/P,27(3),2008,p.56-59,67,5 illus.,2 tables,7 refs.,with English abstract)Key words:tungsten ores,tin ores,monzogranite,Kunlun Mountains20091595 Chen Fuwen(Yichang Institute of Geology and Mineral Resources,China Geological Survey,Yichang 443003,China);Dai Pingyun Metallogenetic and Isotopic Chronological Study on the Shenjiaya Gold Deposit in Xuefeng Mountains,Hunan Province(Acta Geologica Sinica,ISSN0001-5717,CN11-1951/P,82(7),2008,p.906-911,3 illus.,2 tables,30 refs.)Key words:gold ores,HunanThe Shenjiaya gold deposit is a representative one

  11. Risk segmentation in Chilean social health insurance.

    Science.gov (United States)

    Hidalgo, Hector; Chipulu, Maxwell; Ojiako, Udechukwu

    2013-01-01

    The objective of this study is to identify how risk and social variables are likely to be impacted by an increase in private sector participation in health insurance provision. The study focuses on the Chilean health insurance industry, traditionally dominated by the public sector. Predictive risk modelling is conducted using a database containing over 250,000 health insurance policy records provided by the Superintendence of Health of Chile. Although perceived with suspicion in some circles, risk segmentation serves as a rational approach to risk management from a resource perspective. The variables that have considerable impact on insurance claims include the number of dependents, gender, wages and the duration a claimant has been a customer. As shown in the case study, to ensure that social benefits are realised, increased private sector participation in health insurance must be augmented by regulatory oversight and vigilance. As it is clear that a "community-rated" health insurance provision philosophy impacts on insurance firm's ability to charge "market" prices for insurance provision, the authors explore whether risk segmentation is a feasible means of predicting insurance claim behaviour in Chile's private health insurance industry.

  12. 76 FR 24572 - Proposed Information Collection (Application for Ordinary Life Insurance) Activity: Comment Request

    Science.gov (United States)

    2011-05-02

    ... AFFAIRS Proposed Information Collection (Application for Ordinary Life Insurance) Activity: Comment... Insurance, Replacement Insurance for Modified Life Reduced at Age 65, National Service Life Insurance, VA Form 29-8485. b. Application for Ordinary Life Insurance, Replacement Insurance for Modified...

  13. REPORTING OF COMMERCIAL INSURANCE COMPANIES: EVIDENCE FROM THE CZECH REPUBLIC

    OpenAIRE

    Jiřina Bošková

    2007-01-01

    The subject of insurance companies is to provide insurance protection based on commercial principles. All changes in the society are directly reflected in the insurance activity. New risks apperar and therfore new insurance products appear as well. The insurance business intervenes into all areas of the economic and social life in the Czech Republic. Insurance companies cannot be treated only as companies offering insurance protection, but also as important investors who, as a result of their...

  14. METALS DEPOSITS

    Institute of Scientific and Technical Information of China (English)

    2011-01-01

    <正>20111705 An Junbo(Team 603,Bureau of Nonferrous Metals Geological Exploration of Jilin Province,Hunchun 133300,China);Xu Renjie Geological Features and Ore Genesis of Baishilazi Scheelite Deposit in Yanbian Area(Jilin Geology,ISSN1001-2427,CN22-1099/P,29(3),2010,p.39-43,2 illus.,2 tables,7 refs.)Key words:tungsten ores,Jilin ProvinceThe Baishilazi scheelite deposit is located in contacting zone between the marble of the Late Palaeozoic Qinglongcun Group and the Hercynian biotite granite.The vein and lenticular major ore body is obviously controlled by NE-extending faults and con

  15. 78 FR 64873 - Federal Employees Health Benefits Program and Federal Employees Dental and Vision Insurance...

    Science.gov (United States)

    2013-10-30

    ... legal union between one man and one woman as husband and wife, and that the term ``spouse'' referred only to a person of the opposite sex who is a husband or wife. Thus, the availability of same-sex... health insurance coverage for children under the Patient Protection and Affordable Care Act, Public...

  16. 24 CFR 965.205 - Qualified PHA-owned insurance entity.

    Science.gov (United States)

    2010-04-01

    ... property/casualty underwriter (CPCU), associate in risk management (ARM), or associate in claims (AIC), of... procurements, the HUD Appropriations Act for Fiscal Year 1992 provides an exception to this requirement. PHAs... selection procedures. Procurement of insurance from other entities is subject to competitive...

  17. Interests of Insurance Business and Agricultural Producers: Metamorphoses of Agricultural Insurance with State Support

    Directory of Open Access Journals (Sweden)

    Oleg Nikolaevich Efimov

    2015-12-01

    Full Text Available The paper studies the basic aspects of the system of agricultural insurance with state support in the Russian Federation at the present stage. The relevance of the study is related to the presence of enduring problem that lies in the fact that, despite some efforts by the State of legislative, organizational and economic measures, insurance of agricultural risks in Russia does not give the desired effect. The authors provide clear arguments about the necessity of state support for agriculture, particularly insurance, analyze the volume of subsidized funds from the federal budget for the payment of premiums to insurance companies. The article contains the analysis of the amount of insurance premiums for agricultural insurance in the world and the proportion of premiums collected by Russian agro-stakeholders. The nonoptimality of structure types of agricultural insurance with state support is indicated. The authors describe the main problems and disadvantages of the existing system of agricultural insurance with state support (lack of awareness, a small number of insurance products, high rates of insurance rates, etc., as well as some of the contradictions of the current legislation (the “double subsidies”. As a good example, a model of agricultural insurance in the United States is shown. The reasoned conclusions are made about the imperfection of the current legislation in the area of agricultural insurance, which largely meets the interests of the insurer, not of the insured. It was noted that agricultural insurance with state support in the Russian Federation is insignificant in scale of agricultural areas and in the country as a whole. The authors also make contradictory conclusions on the development of agricultural insurance market in Russia, mainly related to the fact that the system of agricultural insurance in the Russian Federation is only in its infancy.

  18. Micro-insurance as the Basis for Development of Voluntary Medical Insurance in Ukraine

    Directory of Open Access Journals (Sweden)

    Pahnenko Olena M.

    2014-01-01

    Full Text Available The article analyses the modern state of development of medical insurance in Ukraine and also studies advantages and shortcomings of the use of micro-insurance for popularisation of programmes of voluntary medical insurance and satisfaction of needs in high quality medical services for all layers of the population. It identifies that as of today the Ukrainian healthcare system is at the stage of reformation, mandatory medical insurance is not yet introduced and main consumers of the programmes of voluntary medical insurance are corporate clients. The article considers main constraints of development of medical insurance in Ukraine, including: low level of income of the population; absence of high quality providers of medical services in regions; and insufficient degree of trust of the population to the insurance sphere. The article shows that introduction of micro-insurance would positively influence the development of insurance medicine in the country, would facilitate provision of medical services even for poor citizens and would allow reduction of state budget expenditures on healthcare. The conducted study of restrictions and shortcomings of introduction of micro-insurance allowed identification of the fact that main of them are information asymmetry (unfavourable selection of risks, moral risk and insurance fraud, significant limitation of insurance coverage and difficulties in identifying optimal insurance tariffs.

  19. Health Insurance Rules of the CERN Health Insurance scheme

    CERN Document Server

    Division HR

    2000-01-01

    A new document which groups together the general principles, the contributions, benefits, reimbursement procedures and other information making up the Rules of the CERN Health Insurance Scheme has been established. It was approved by the Director-General on 7th July 2000 and is being distributed to all contributing members of the Scheme. It has been dispatched by internal mail to members of the personnel and by postal mail to pensioners. These Rules will enter into force on 1st September 2000. Please make sure that you have received your copy. Should this not be the case, an additional copy may be obtained by telephoning 78003.

  20. HEALTH INSURANCE RULES OF THE CERN HEALTH INSURANCE SCHEME

    CERN Document Server

    Division HR

    2000-01-01

    A new document which groups together the general principles, the contributions, benefits, reimbursement procedures and other information making up the Rules of the CERN Health Insurance Scheme has been established. It was approved by the Director-General on 7th July 2000 and is being distributed to all contributing members of the Scheme. It has been dispatched by internal mail to members of the personnel and by postal mail to pensioners. These Rules will enter into force on 1st September 2000. Please make sure that you have received your copy. Should this not be the case, an additional copy may be obtained by telephoning 78003