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Sample records for insurance career information

  1. Career adaptability and employee engagement of adults employed in an insurance company: An exploratory study

    Rebecca Tladinyane

    2016-05-01

    Full Text Available Orientation: As a resiliency resource, career adaptability relates to an individual’s ability to adapt to new work demands and is seen to impact various occupational outcomes such as engagement. Research purpose: The aim of the study was to determine the relationship dynamics between career adaptability (measured by Career Adapt-Abilities Scale and employee engagement (measured by Utrecht Work Engagement Scale. Motivation for the study: As a personal resource, career adaptability enables employees to deal with job demands, facilitating employee engagement. Limited research exists on the impact of career adaptability variables on employee engagement, bearing significant relevance in the current workforce. Research design, approach and method: A quantitative survey was conducted with a convenience sample (N = 131 of employees in an insurance company within South Africa. Main findings/results: Significant positive relationships were found between career adaptability and employee engagement. The results suggest that participants who have experienced higher employee engagement have better developed career adaptability skills. Practical implications: Managers and human resource practitioners need to recognise how people’s career adaptability influences their level of engagement in the organisation. Contribution: This research is the first to investigate the construct of career adaptability in an insurance company and the findings add to the existing career literature and provide valuable information that can be used to inform career development and engagement strategies. Keywords: career adaptability; career development; employee engagement; vocational guidance.

  2. Environmental insurance: research information support

    Rykova Valentina V.

    2015-01-01

    he article describes information resources to support research on the issue of environmental insurance. It represents a brief analysis of a documentary flow, traces its dynamics and typical-thematic structures, shows the most productive journals

  3. Monopoly Insurance and Endogenous Information

    Lagerlöf, Johan N. M.; Schottmüller, Christoph

    2018-01-01

    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...

  4. Car insurance information management system

    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...

  5. Career information processing strategies of secondary school ...

    This study examined the strategies commonly adopted by Osun state secondary school students in processing career information. It specifically examined the sources of career information available to the students, the uses to which the students put the information collected and how their career decision making skills can be ...

  6. Careers in focus library and information science

    2011-01-01

    Careers in Focus: Library and Information Science, Second Edition profiles 19 careers for professionals interested in this field. Job profiles include:. -Acquisitions librarians. -Book conservators. -Children's librarians. -Corporate librarians. -Film and video librarians. -Law librarians. -Library assistants. -Library media specialists. -Medical librarians. -Research assistants.

  7. Age and race differences on career adaptability and employee engagement amongst employees in an insurance company

    Rebecca Tladinyane

    2015-12-01

    Full Text Available The objective of the study was to determine whether age and race groups differ significantly regarding career adaptability (measured by Career Adapt-Abilities Scale (CAAS and employee engagement measured by Utrecht Work Engagement Scale (UWES. A quantitative survey was conducted with a convenience sample (N = 131 of employees in an insurance company within South Africa. Descriptive and inferential statistical analyses were performed to achieve the objective of the study. The results showed significant differences between age and race groups in relation to the constructs. Organisations need to recognise biographical differences with regards to career adaptability and employee engagement with reference to engagement interventions and the career counselling setting.

  8. Trade Credit Insurance and Asymmetric Information Problem

    Sokolovska Olena

    2017-03-01

    Full Text Available The presence of different risk factors in international trade gives evidence of the necessity of support in gaps that may affect exporters’ activity. To maximize the trade volumes and in the same time to minimize the exporters’ risks the stakeholders use trade credit insurance. The paper provides analysis of conceptual background of the trade credit insurance in the world. We analyzed briefly the problems, arising in insurance markets due to asymmetric information, such as adverse selection and moral hazard. Also we discuss the main stages of development of trade credit insurance in countries worldwide. Using comparative and graphical analysis we provide a brief evaluation of the dynamics of claims and recoveries for different forms of trade credit insurance. We found that the claims related to the commercial risk for medium and long trade credits in recent years exceed the recoveries, while with the political risk the reverse trend holds. And we originally consider these findings in terms of information asymmetry in the trade credit insurance differentiated by type of risk.

  9. Directions of improving information system of insurance company

    Kaigorodova, G. N.; Mustafina, A. A.; Alyakina, D. P.

    2018-05-01

    The article presents a study of the information technologies impact on the insurance industry development. At present, any business, especially business in the field of financial intermediation, can count on maintaining its positions only as a technology company. For the insurance business it is now especially important. Other segments of the financial market - the stock and credit market - are actively developing and applying IT-technologies. The insurance business at present is getting opportunities for a technological breakthrough. There is a growing demand for traditional insurance products - property insurance, motor insurance, health insurance. There is a rapidly growing demand for life insurance and insurance against cyber risks. To implement insurance protection in new conditions, the insurance company should actively use information systems. The article presents a possible variant of systematization of the insurer's business processes within the information system of the insurance company.

  10. 77 FR 11191 - Insurance Cost Information Regulation

    2012-02-24

    ... INFORMATION CONTACT: Ms. Carlita Ballard, Office of International Policy, Fuel Economy and Consumer Programs... distribute to prospective customers information that compares differences in insurance costs of different... of the 2012 booklet to each dealer that the Department of Energy uses to distribute the ``Gas Mileage...

  11. Monopolistic Insurance and the Value of Information

    Arthur Snow

    2015-07-01

    Full Text Available The value of information regarding risk class for a monopoly insurer and its customers is examined in both symmetric and asymmetric information environments. A monopolist always prefers contracting with uninformed customers as this maximizes the rent extracted under symmetric information while also avoiding the cost of adverse selection when information is held asymmetrically. Although customers are indifferent to symmetric information when they are initially uninformed, they prefer contracting with hidden knowledge rather than symmetric information since the monopoly responds to adverse selection by sharing gains from trade with high-risk customers when low risks are predominant in the insurance pool. However, utilitarian social welfare is highest when customers are uninformed, and is higher when information is symmetric rather than asymmetric.

  12. INFORMATION TECHNOLOGIES IN INSURANCE SALES SUPPORT

    Stofor Ovidiu-Ilie

    2012-07-01

    Full Text Available Insurance system in Romania is carried out with a constant natural activity, evolving quite honorably these times. This is largely due to the difficulty with which insurance is sold in normal economic conditions when it comes to prosperity. Although psychologists, led by Maslow believes that the protection needs are basic needs, along with the physiological one, on the priority list regarding procurement, insurance needs are for some Romanians, of minimum or no importance, so that they are either pushed to the bottom of the list, or even, as it most often happens, they are non existent. Current economic conditions and climate, urges caution on most fields, especially in terms of individual properties, including, how somewhat forced, life and physical integrity which are still considered property, if this aspect is not debated in terms of Christian or other religious dogma. In other words, many Romanians see insurance as a product that “is not up their alley” including it in the luxury category. Furthermore, the media shows, sometimes amplify certain cases of doubt in relations between insurance company - customer. Appropriate marketing, allied with the information technology can improve the complete relationship between the two entities - the offeror and the consumer. Through this study we aim to identify important issues that facilitate the sale of insurance, using information technology, given that the sales of these financial products through the "ancestral" methods are effective but not very efficient. We will follow, byanchoring to the current reality, the insurance utility and how to use information technologies in support of marketing (sales. The study itself was done by observing the results in practical work, from an insurance agency, but also related to what the literature offers. Because this study is currently underway, there are certainly some limitations of accuracy of results, which are adjusted "on the fly". Realizing

  13. 76 FR 6516 - Insurance Cost Information Regulation

    2011-02-04

    ..., Office of International Policy, Fuel Economy and Consumer Programs, NHTSA, 1200 New Jersey Avenue, SE... automobiles to distribute to prospective customers information that compares differences in insurance costs of... booklet to each dealer that the Department of Energy uses to distribute the ``Gas Mileage Guide.'' Dealers...

  14. 75 FR 5169 - Insurance Cost Information Regulation

    2010-02-01

    ..., Office of International Policy, Fuel Economy and Consumer Programs, NHTSA, 1200 New Jersey Avenue, SE... automobiles to distribute to prospective customers information that compares differences in insurance costs of... booklet to each dealer that the Department of Energy uses to distribute the ``Gas Mileage Guide.'' Dealers...

  15. Relationships among Career and Life Stress, Negative Career thoughts, and Career Decision State: A Cognitive Information Processing Perspective

    Bullock-Yowell, Emily; Peterson, Gary W.; Reardon, Robert C.; Leierer, Stephen J.; Reed, Corey A.

    2011-01-01

    According to cognitive information processing theory, career thoughts mediate the relationship between career and life stress and the ensuing career decision state. Using a sample of 232 college students and structural equation modeling, this study found that an increase in career and life stress was associated with an increase in negative career…

  16. INFORMATION FROM THE CERN HEALTH INSURANCE SCHEME

    Tel : 7-3635

    2002-01-01

    Please note that, from 1 July 2002, the tariff agreement between CERN and the Hôpital de la Tour will no longer be in force. As a result the members of the CERN Health Insurance Scheme will no longer obtain a 5% discount for quick payment of bills. More information on the termination of the agreement and the implications for our Health Insurance Scheme will be provided in the next issue of the CHIS Bull', due for publication in the first half of July. It will be sent to your home address, so, if you have moved recently, please check that your divisional secretariat has your current address. Tel.: 73635 The Organization's Health Insurance Scheme (CHIS) has launched its own Web pages, located on the Website of the Social & Statutory Conditions Group of HR Division (HR-SOC). The address is short and easy-to-remember www.cern.ch/chis The pages currently available concentrate on providing basic information. Over the coming months it is planned to fill out the details and introduce new topics. Please give us ...

  17. 78 FR 70856 - Information Reporting of Mortgage Insurance Premiums

    2013-11-27

    ... Information Reporting of Mortgage Insurance Premiums AGENCY: Internal Revenue Service (IRS), Treasury. ACTION... regulations that require information reporting by persons who receive mortgage insurance premiums, including... reporting requirements that result from the extension of the treatment of mortgage insurance premiums made...

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

    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.

  19. 78 FR 58264 - Servicemembers' Group Life Insurance and Veterans' Group Life Insurance Information Access

    2013-09-23

    ... DEPARTMENT OF VETERANS AFFAIRS 38 CFR Part 9 RIN 2900-AO42 Servicemembers' Group Life Insurance and Veterans' Group Life Insurance Information Access AGENCY: Department of Veterans Affairs. ACTION: Proposed rule. SUMMARY: The Department of Veterans Affairs (VA) proposes to amend its regulations governing...

  20. Explore a Career in Health Sciences Information

    ... for a second career, working in health sciences librarianship might be the right career for you! Read ... MLA's most revered leaders speaks about the health librarianship profession Read about things of interest to a ...

  1. Pricing of General Insurance and the Impact of Asymmetric Information

    Englund, Martin

    To set the insurance premium correctly is of outmost importance on a competitive insurance market. Hence the overall objective of this thesis is to improve the pricing, first by using individual claims information, and second by using information about the individuals choice of coverage. Regarding...

  2. Reconciling Sex Differences in Information-Processing and Career Outcomes.

    Wolleat, Patricia L.

    1990-01-01

    Information processing theory could be made more sensitive to differences in career outcomes for males and females by (1) examining the nature of the career decision; (2) expanding the notion of information; (3) relating the vocational schema to the gender schema; and (4) noting whether variables are general, sex related, or sex specific. (SK)

  3. Accounting Students’ Choice on Accounting Information Technology Careers

    Nurul Hasanah Uswati Dewi

    2014-12-01

    Full Text Available The important role of accounting information systems professionals, motivate researchers to analyze further the interest of students to the profession in the field of accounting information systems. The aim of this study explores the factors that influence students to choose and do not choose a profession in the field of accounting information systems.This research was conducted using questionnaires. The population was undergraduate accounting students. Sample research was done randomly.This research shows that the interest in undergraduate accounting students for a career in the field of information systems is very small and this research also appears that the academic supervisor is one of the dominant factors influencing student choice in choosing a career in the field of information systems. Beside this, this study also found that respondents are not interested in a career in accounting information systems more due to that field of information systems is not a career they aspire.

  4. Accounting Students’ Choice on Accounting Information Technology Careers

    Nurul Hasanah Uswati Dewi

    2014-12-01

    Full Text Available The important role of accounting information systems professionals, motivate researchers to analyze further the interest of students to the profession in the field of accounting information systems. The aim of this study explores the factors that influence students to choose and do not choose a profession in the field of accounting information systems. This research was conducted using questionnaires. The population was undergraduate accounting students. Sample research was done randomly.This research shows that the interest in undergraduate accounting students for a career in the field of information systems is very small and this research also appears that the academic supervisor is one of the dominant factors influencing student choice in choosing a career in the field of information systems. Beside this, this study also found that respondents are not interested in a career in accounting information systems more due to that field of information systems is not a career they aspire.

  5. Career information processing strategies of secondary school

    Adebowale

    Well planned and well organised career guidance services are becoming increasingly ... nature of work, conditions of service, training opportunities, labour market ... problems, generate concepts and solutions to problems and employ verbal and .... in all these cases, the Relative Significance Index (RSI) was utilised as a ...

  6. 78 FR 71558 - Insurance Cost Information Regulation

    2013-11-29

    .... FOR FURTHER INFORMATION CONTACT: Deborah Mazyck, Office of International Policy, Fuel Economy and... Transportation prescribe regulations requiring passenger motor vehicle dealers to distribute to prospective... vehicle dealers to distribute this information to prospective buyers. The House of Representatives...

  7. Genetic screening, health care and the insurance industry. Should genetic information be made available to insurers?

    Ossa, Diego F; Towse, Adrian

    2004-06-01

    The potential use of genetic tests in insurance has raised concerns about discrimination and individuals losing access to health care either because of refusals to test for treatable diseases, or because test-positives cannot afford premiums. Governments have so far largely sought to restrict the use of genetic information by insurance companies. To date the number of tests available with significant actuarial value is limited. However, this is likely to change, raising more clearly the question as to whether the social costs of adverse selection outweigh the social costs of individuals not accessing health care for fear of the consequences of test information being used in insurance markets. In this contribution we set out the policy context and model the potential trade-offs between the losses faced by insurers from adverse selection by insurees (which will increase premiums reducing consumer welfare) and the detrimental health effects that may result from persons refusing to undergo tests that could identify treatable health conditions. It argues that the optimal public policy on genetic testing should reflect overall societal benefit, taking account of these trade-offs. Based on our model, the factors that influence the outcome include: the size of and value attached to the health gains from treatment; deterrent effects of a disclosure requirement on testing for health reasons; incidence of the disease; propensity of test-positives to adverse select; policy value adverse selectors buy in a non-disclosure environment; and price elasticity of demand for insurance. Our illustrative model can be used as a benchmark for developing other scenarios or incorporating real data in order to address the impact of different policies on disclosure and requirement to test.

  8. Information System and Insurance Business in Nigeria | Oladipo ...

    Simple percentage descriptive statist tics method was used for data presentation. The study used Chi Square method to analyze the data and test the hypothesis. The study concludes from the test that information system has a significant impact on insurance business. The study recommends that organisation should ...

  9. Evaluation of radiography careers information on the Internet

    Boxall, Amy; Holmes, Ken

    2004-01-01

    The purpose of this paper was to investigate whether information about radiography careers that was placed on the Internet was accessible, accurate, understandable, comprehensive, abundant and attractive to a sample of school children. Additionally this paper investigated whether the sample of school children had access to the Internet and whether they knew how to use it. A self-administered questionnaire was used to assess views on the radiography information, Internet access and knowledge of how to use the Internet. Questionnaire data were then analysed and the Websites were ranked. Thirty-three Websites were evaluated; these gave varying qualities of information with questionnaire scores ranging from 188 to 76. This investigation showed that there are many Websites available about radiography as a career. The site that performed most successfully overall in this evaluation was the NHS Careers Website. This site was ranked highest for the design section but the University of Salford's Website performed top for content

  10. Career Planning Modules for the Officer Career Information and Planning System.

    Phillips, Susan D.; And Others

    This discussion of the modules in an experimental computer-aided system for officer career information and planning system (OCIPS) includes the reasons for its development, a description of the seven modules, and the findings of a preliminary test of four of the modules for feasibility and credibility. Initially developed in response to a need…

  11. Academic & Technical Skills + Life/Work Skills + Career Information & Guidance = Success in Career Building.

    Jarvis, Phillip S.

    There has been a renaissance in the thinking about career development. It is becoming accepted that information is not enough; in addition to academic and technical skills, youth and adults need to learn life/work designing and building skills to become healthy, productive, and self-reliant citizens. Despite the fact that Canadian students have…

  12. Career Choice Of Students Of Library And Information Science In ...

    Library and Information Science is not a top rank choice of course by candidates seeking admission into tertiary institutions in Imo State. Most of those who eventually get enrolled for the programme are not interested in practicing librarianship upon graduation. They prefer careers in other establishments even if they are to ...

  13. Career Education: The Leisure Occupations Cluster. Information Series No. 86.

    Verhoven, Peter J.; Vinton, Dennis A.

    The guide is intended to supplement career education curricula with information about leisure occupations (recreation, hospitality, and tourism). It traces the growth and significance of leisure occupations with regard to the scientific, economic, and social advances which have motivated more Americans than ever before to seek leisure…

  14. A Review of Previous Studies on Information Processing in Career Decision Making among University Students

    池田, 智子; Satoko, Ikeda

    2018-01-01

    This review of the researches of career choice of Japanese university students focused the studies on decision-making theory conducted in Japan. The present review suggested the necessity of examination of the effect of self-efficacy about career information search on the process of career choice. It is also needed to examine the relationship between specific self-efficacy about career information search and career decision-making self-efficacy, moreover, general self-efficacy.

  15. How do early career health sciences information professionals gain competencies?

    Myers, Bethany A; Rodriguez, Bredny

    2016-07-01

    The purpose of this study was to describe early career health sciences information professionals' self-reported attainment of the Medical Library Association (MLA) Competencies for Lifelong Learning and Professional Success and to investigate the various methods by which participants developed these competencies. A SurveyMonkey survey was designed to ascertain participants' demographic information and their competency attainment. "Early career" health information professionals were defined as those with less than five years of professional experience. Participants were asked to rate each of the seven competencies on a five-point Likert scale regarding their level of agreement with the statement, "I have demonstrated this competency." Participants who responded positively were then asked to indicate how they acquired the competency on a multiple-choice, multiple-answer list. Free-text fields were provided for general comments and for participants to elaborate on their answers. The survey was distributed through the MLA email discussion list and other related email discussion lists. Participation was anonymous. One hundred eighty-seven responses were received. Out of those 187 respondents, 95 completed the entire survey. The majority of early career health sciences information professionals agreed that they had attained all 7 competencies. Of the various methods used to develop competencies, the most selected method was formal library and information studies education. Participants were least likely to report attaining competencies via mentoring, volunteering, or internships. Participants reported the highest level of confidence in having attained the "Health Sciences Information Services" competency, and the lowest level of confidence in having attained the "Research, Analysis, and Interpretation" competency. These results contribute to the ongoing discussions regarding proposed changes to the MLA competencies. The results may also inform the development of

  16. Designing Health Information Technology Tools to Prevent Gaps in Public Health Insurance.

    Hall, Jennifer D; Harding, Rose L; DeVoe, Jennifer E; Gold, Rachel; Angier, Heather; Sumic, Aleksandra; Nelson, Christine A; Likumahuwa-Ackman, Sonja; Cohen, Deborah J

    2017-06-23

    Changes in health insurance policies have increased coverage opportunities, but enrollees are required to annually reapply for benefits which, if not managed appropriately, can lead to insurance gaps. Electronic health records (EHRs) can automate processes for assisting patients with health insurance enrollment and re-enrollment. We describe community health centers' (CHC) workflow, documentation, and tracking needs for assisting families with insurance application processes, and the health information technology (IT) tool components that were developed to meet those needs. We conducted a qualitative study using semi-structured interviews and observation of clinic operations and insurance application assistance processes. Data were analyzed using a grounded theory approach. We diagramed workflows and shared information with a team of developers who built the EHR-based tools. Four steps to the insurance assistance workflow were common among CHCs: 1) Identifying patients for public health insurance application assistance; 2) Completing and submitting the public health insurance application when clinic staff met with patients to collect requisite information and helped them apply for benefits; 3) Tracking public health insurance approval to monitor for decisions; and 4) assisting with annual health insurance reapplication. We developed EHR-based tools to support clinical staff with each of these steps. CHCs are uniquely positioned to help patients and families with public health insurance applications. CHCs have invested in staff to assist patients with insurance applications and help prevent coverage gaps. To best assist patients and to foster efficiency, EHR based insurance tools need comprehensive, timely, and accurate health insurance information.

  17. Effects of health information technology on malpractice insurance premiums.

    Kim, Hye Yeong; Lee, Jinhyung

    2015-04-01

    The widespread adoption of health information technology (IT) will help contain health care costs by decreasing inefficiencies in healthcare delivery. Theoretically, health IT could lower hospitals' malpractice insurance premiums (MIPs) and improve the quality of care by reducing the number and size of malpractice. This study examines the relationship between health IT investment and MIP using California hospital data from 2006 to 2007. To examine the effect of hospital IT on malpractice insurance expense, a generalized estimating equation (GEE) was employed. It was found that health IT investment was not negatively associated with MIP. Health IT was reported to reduce medical error and improve efficiency. Thus, it may reduce malpractice claims from patients, which will reduce malpractice insurance expenses for hospitals. However, health IT adoption could lead to increases in MIPs. For example, we expect increases in MIPs of about 1.2% and 1.5%, respectively, when health IT and labor increase by 10%. This study examined the effect of health IT investment on MIPs controlling other hospital and market, and volume characteristics. Against our expectation, we found that health IT investment was not negatively associated with MIP. There may be some possible reasons that the real effect of health IT on MIPs was not observed; barriers including communication problems among health ITs, shorter sample period, lower IT investment, and lack of a quality of care measure as a moderating variable.

  18. 26 CFR 1.6050H-3T - Information reporting of mortgage insurance premiums (temporary).

    2010-04-01

    ... Information reporting of mortgage insurance premiums (temporary). (a) Information reporting requirements. Any... section applies to the receipt of all payments of mortgage insurance premiums, by cash or financing... premiums is determined on a mortgage-by-mortgage basis. A recipient need not aggregate mortgage insurance...

  19. How do early career health sciences information professionals gain competencies?

    Bethany A. Myers, MSLIS, AHIP

    2016-09-01

    Full Text Available Objective: The purpose of this study was to describe early career health sciences information professionals’ self-reported attainment of the Medical Library Association (MLA Competencies for Lifelong Learning and Professional Success and to investigate the various methods by which participants developed these competencies. Methods: A SurveyMonkey survey was designed to ascertain participants’demographic information and their competency attainment. ‘‘Early career’’ health information professionals were defined as those with less than five years of professional experience. Participants were asked to rate each of the seven competencies on a five-point Likert scale regarding their level of agreement with the statement, ‘‘I have demonstrated this competency.’’ Participants who responded positively were then asked to indicate how they acquired the competency on a multiple-choice, multiple-answer list. Free-text fields were provided for general comments and for participants to elaborate on their answers. The survey was distributed through the MLA email discussion list and other related email discussion lists. Participation was anonymous. Results: One hundred eighty-seven responses were received. Out of those 187 respondents, 95 completed the entire survey. The majority of early career health sciences information professionals agreed that they had attained all 7 competencies. Of the various methods used to develop competencies, the most selected method was formal library and information studies education. Participants were least likely to report attaining competencies via mentoring, volunteering, or internships. Participants reported the highest level of confidence in having attained the ‘‘Health Sciences Information Services’’ competency, and the lowest level of confidence in having attained the ‘‘Research, Analysis, and Interpretation’’ competency. Conclusions: These results contribute to the ongoing discussions

  20. 78 FR 53758 - Agency Information Collection Activities: Submission for OMB Review; Comment Request: Insurance...

    2013-08-30

    ... Review; Comment Request: Insurance Sales Consumer Protections AGENCY: Federal Deposit Insurance... comment for 60 days on renewal of its Insurance Sales Consumer Protections information collection, which... Sales Consumer Protections. OMB Number: 3064-0140. Frequency of Response: Once--reviewing/updating...

  1. 78 FR 54996 - Information Reporting by Applicable Large Employers on Health Insurance Coverage Offered Under...

    2013-09-09

    ... Information Reporting by Applicable Large Employers on Health Insurance Coverage Offered Under Employer... credit to help individuals and families afford health insurance coverage purchased through an Affordable... or group health insurance coverage offered by an employer to the employee that is (1) a governmental...

  2. Extending health insurance coverage to the informal sector: Lessons from a private micro health insurance scheme in Lagos, Nigeria.

    Peterson, Lauren; Comfort, Alison; Hatt, Laurel; van Bastelaer, Thierry

    2018-04-15

    As a growing number of low- and middle-income countries commit to achieving universal health coverage, one key challenge is how to extend coverage to informal sector workers. Micro health insurance (MHI) provides a potential model to finance health services for this population. This study presents lessons from a pilot study of a mandatory MHI plan offered by a private insurance company and distributed through a microfinance bank to urban, informal sector workers in Lagos, Nigeria. Study methods included a survey of microfinance clients, key informant interviews, and a review of administrative records. Demographic, health care seeking, and willingness-to-pay data suggested that microfinance clients, particularly women, could benefit from a comprehensive MHI plan that improved access to health care and reduced out-of-pocket spending on health services. However, administrative data revealed declining enrollment, and key informant interviews further suggested low use of the health insurance plan. Key implementation challenges, including changes to mandatory enrollment requirements, insufficient client education and marketing, misaligned incentives, and weak back-office systems, undermined enrollment and use of the plan. Mandatory MHI plans, intended to mitigate adverse selection and facilitate private insurers' entry into new markets, present challenges for covering informal sector workers, including when distributed through agents such as a microfinance bank. Properly aligning the incentives of the insurer and the agent are critical to effectively distribute and service insurance. Further, an urban environment presents unique challenges for distributing MHI, addressing client perceptions of health insurance, and meeting their health care needs. Copyright © 2018 John Wiley & Sons, Ltd.

  3. Information-based models for finance and insurance

    Hoyle, Edward

    2010-10-01

    In financial markets, the information that traders have about an asset is reflected in its price. The arrival of new information then leads to price changes. The `information-based framework' of Brody, Hughston and Macrina (BHM) isolates the emergence of information, and examines its role as a driver of price dynamics. This approach has led to the development of new models that capture a broad range of price behaviour. This thesis extends the work of BHM by introducing a wider class of processes for the generation of the market filtration. In the BHM framework, each asset is associated with a collection of random cash flows. The asset price is the sum of the discounted expectations of the cash flows. Expectations are taken with respect (i) an appropriate measure, and (ii) the filtration generated by a set of so-called information processes that carry noisy or imperfect market information about the cash flows. To model the flow of information, we introduce a class of processes termed Lévy random bridges (LRBs), generalising the Brownian and gamma information processes of BHM. Conditioned on its terminal value, an LRB is identical in law to a Lévy bridge. We consider in detail the case where the asset generates a single cash flow X_T at a fixed date T. The flow of information about X_T is modelled by an LRB with random terminal value X_T. An explicit expression for the price process is found by working out the discounted conditional expectation of X_T with respect to the natural filtration of the LRB. New models are constructed using information processes related to the Poisson process, the Cauchy process, the stable-1/2 subordinator, the variance-gamma process, and the normal inverse-Gaussian process. These are applied to the valuation of credit-risky bonds, vanilla and exotic options, and non-life insurance liabilities.

  4. Information Nation: Education and Careers in the Emerging Information Professions

    Stanton, Jeffrey M.; Guzman, Indira R.; Stam, Kathryn R.

    2010-01-01

    Information and IT are central to virtually every industry in which the United States plays a leadership role--financial services, entertainment engineering, aerospace, medicine, law, agriculture, and dozens of other fields--yet colleges have failed to attract, teach, and produce a new generation of information professionals to meet the growing…

  5. Crop insurance demand in wheat production: focusing on yield gaps and asymmetric information

    Castañeda-Vera, A.; Saa-Requejo, A.; Mínguez, I.; Garrido, A.

    2017-01-01

    Analysis of yield gaps were conducted in the context of crop insurance and used to build an indicator of asymmetric information. The possible influence of asymmetric information in the decision of Spanish wheat producers to contract insurance was additionally evaluated. The analysis includes simulated yield using a validated crop model, CERES-Wheat previously selected among others, whose suitability to estimate actual risk when no historical data are available was assessed. Results suggest that the accuracy in setting the insured yield is decisive in farmers’ willingness to contract crop insurance under the wider coverage. Historical insurance data, when available, provide a more robust technical basis to evaluate and calibrate insurance parameters than simulated data, using crop models. Nevertheless, the use of crop models might be useful in designing new insurance packages when no historical data is available or to evaluate scenarios of expected changes. In that case, it is suggested that yield gaps be estimated and considered when using simulated attainable yields.

  6. Crop insurance demand in wheat production: focusing on yield gaps and asymmetric information

    Castañeda-Vera, A.; Saa-Requejo, A.; Mínguez, I.; Garrido, A.

    2017-07-01

    Analysis of yield gaps were conducted in the context of crop insurance and used to build an indicator of asymmetric information. The possible influence of asymmetric information in the decision of Spanish wheat producers to contract insurance was additionally evaluated. The analysis includes simulated yield using a validated crop model, CERES-Wheat previously selected among others, whose suitability to estimate actual risk when no historical data are available was assessed. Results suggest that the accuracy in setting the insured yield is decisive in farmers’ willingness to contract crop insurance under the wider coverage. Historical insurance data, when available, provide a more robust technical basis to evaluate and calibrate insurance parameters than simulated data, using crop models. Nevertheless, the use of crop models might be useful in designing new insurance packages when no historical data is available or to evaluate scenarios of expected changes. In that case, it is suggested that yield gaps be estimated and considered when using simulated attainable yields.

  7. The Chameleon Career: An Exploratory Study of the Work Biography of Information Technology Workers in Nigeria

    Ituma, Afam; Simpson, Ruth

    2006-01-01

    Purpose: This paper seeks to explore claims about the changing nature of careers by focusing on how information technology (IT) workers enact careers in the context of Nigeria. The theoretical framework guiding this research is that societal context (social structure and institutions) has an influence on the career patterns exhibited by…

  8. Conceptualization and Exploration of Composite Career Anchors: An Analysis of Information Systems Personnel.

    Ramakrishna, Hindupur V.; Potosky, Denise

    2003-01-01

    Information systems professionals (n=163) completed measures of career anchors and outcomes (career/job satisfaction, job performance, perceived advancement prospects); 46% had multiple dominant anchors and these individuals did not have significantly different career outcomes than those with single dominant anchors. (Contains 26 references.) (SK)

  9. Tapping into Alumni as a Source of Authentic Information and Advice on Careers in Psychology

    Lawson, Timothy J.

    2018-01-01

    This article describes how my psychology department utilizes our alumni to educate current and prospective students about careers in psychology. I explain how we developed an alumni careers website and on-campus alumni careers sessions for students. High school students and our psychology majors reported that they found this information valuable,…

  10. CJEU rules on use of standards in imposing information duties on life insurance companies

    Mańko, R.

    2015-01-01

    The EU Directive applicable to life insurance sets out what kind of information insurance companies must give to policyholders. It also allows Member States to impose broader information duties, provided that the information is necessary for the policyholder to understand the contract. In its ruling

  11. 77 FR 25788 - Request for Information Regarding Stop Loss Insurance

    2012-05-01

    ... Health Plan Standards and Compliance Assistance, Employee Benefits Security Administration, Room N-5653... employee benefit plans to be insurance companies in order to regulate them under insurance laws.) \\6\\ As a... DEPARTMENT OF THE TREASURY Internal Revenue Service DEPARTMENT OF LABOR Employee Benefits Security...

  12. Model of informational system for freight insurance automation based on digital signature

    Maxim E. SLOBODYANYUK

    2009-01-01

    In the article considered a model of informational system for freight insurance automation based on digital signature, showed architecture, macro flowchart of information flow in model, components (modules) and their functions. Described calculation method of costs on interactive cargo insurance via proposed system, represented main characteristics and options of existing transport management systems, conceptual cost models.

  13. Model of informational system for freight insurance automation based on digital signature

    Maxim E. SLOBODYANYUK

    2009-01-01

    Full Text Available In the article considered a model of informational system for freight insurance automation based on digital signature, showed architecture, macro flowchart of information flow in model, components (modules and their functions. Described calculation method of costs on interactive cargo insurance via proposed system, represented main characteristics and options of existing transport management systems, conceptual cost models.

  14. Informal networks and resilience to climate change impacts: A collective approach to index insurance

    Trærup, Sara Lærke Meltofte

    2012-01-01

    This article contributes to the understanding of how to proceed with the development of index-insurance in order to reach extended population coverage with the insurance. The approach is applied to an example from a region in Tanzania. One of the main coping strategies that resource-poor households...... networks become insufficient since the majority of risk-sharers will be affected by the shock at the same time. This paper proposes a collective approach to index-insurance in which the members of an informal network will be insured as one insurance taker. The paper raises a conceptual argument...... that targeting households through existing informal networks will remove a number of prevailing barriers to the takeup of insurance and consequently the approach has the potential to increase households’ resilience to climate change impacts. The policy implications of the conclusions are significant since...

  15. Asymmetric Information, Self-selection, and Pricing of Insurance Contracts

    Donnelly, Catherine; Englund, Martin Kristian; Nielsen, Jens Perch

    2014-01-01

    This article presents an optional bonus-malus contract based on a priori risk classification of the underlying insurance contract. By inducing self-selection, the purchase of the bonus-malus contract can be used as a screening device. This gives an even better pricing performance than both...... an experience rating scheme and a classical no-claims bonus system. An application to the Danish automobile insurance market is considered....

  16. 77 FR 20886 - Agency Information Collection (Conversion From Servicemembers' Group Life Insurance to Veterans...

    2012-04-06

    ... (Conversion From Servicemembers' Group Life Insurance to Veterans' Group Life Insurance); Activity Under OMB... No. 2900-0731.'' SUPPLEMENTARY INFORMATION: Title: Independent Evaluation of the Conversion Privilege... collection. Abstract: The data collected will be used to determine the appropriate target rate to convert...

  17. The effects of statistical information on risk and ambiguity attitudes, and on rational insurance decisions

    P.P. Wakker (Peter); D.R.M. Timmermans (Danielle); I. Machielse (Irma)

    2007-01-01

    textabstractThis paper presents a field study into the effects of statistical information concerning risks on willingness to take insurance, with special attention being paid to the usefulness of these effects for the clients (the insured). Unlike many academic studies, we were able to use in-depth

  18. Professional Development across the Teaching Career: Teachers' Uptake of Formal and Informal Learning Opportunities

    Richter, Dirk; Kunter, Mareike; Klusmann, Uta; Ludtke, Oliver; Baumert, Jurgen

    2011-01-01

    This study examined teachers' uptake of formal and informal learning opportunities across the career cycle. Analyses were based on data from 1939 German secondary teachers in 198 schools. Results showed that formal learning opportunities (in-service training) were used most frequently by mid-career teachers, whereas informal learning opportunities…

  19. Providing Internet Access to the Ohio Career Information System for All Residents: A Feasibility Study.

    Lewis, Morgan V.

    Expanded Internet access to the Ohio Career Information System (OCIS) would provide adults in Ohio who need to or wish to make career changes with the best available information about occupations, education and training programs, and financial aid. In order to determine the feasibility of improving access without cost to users, an advisory group,…

  20. Managing medical and insurance information through a smart-card-based information system.

    Lambrinoudakis, C; Gritzalis, S

    2000-08-01

    The continuously increased mobility of patients and doctors, in conjunction with the existence of medical groups consisting of private doctors, general practitioners, hospitals, medical centers, and insurance companies, pose significant difficulties on the management of patients' medical data. Inevitably this affects the quality of the health care services provided. The evolving smart card technology can be utilized for the implementation of a secure portable electronic medical record, carried by the patient herself/himself. In addition to the medical data, insurance information can be stored in the smart card thus facilitating the creation of an "intelligent system" supporting the efficient management of patient's data. In this paper we present the main architectural and functional characteristics of such a system. We also highlight how the security features offered by smart cards can be exploited in order to ensure confidentiality and integrity of the medical data stored in the patient cards.

  1. Insurance and Information : Firms as a Commitment Device

    Bovenberg, A.L.; Teulings, C.N.

    2002-01-01

    We explore the role of firms in insuring risk-averse workers.As a device that allows workers to commit to the delivery of their output, the firm arises endogenously as an alternative to the spot market if workers are suciently risk averse and the firm can base incentive payments on good

  2. The Valuation of Insurance under Uncertainty: Does Information about Probability Matter?

    Carmela Di Mauro; Anna Maffioletti

    2001-01-01

    In a laboratory experiment we test the hypothesis that consumers' valuation of insurance is sensitive to the amount of information available on the probability of a potential loss. In order to test this hypothesis we simulate a market in which we elicit individuals' willingness to pay to insure against a loss characterised either by known or else vague probabilities. We use two distinct treatments by providing subjects with different information over the vague probabilities of loss. In genera...

  3. Personal Values, Social Capital, and Higher Education Student Career Decidedness: A New "Protean"-Informed Model

    Fearon, Colm; Nachmias, Stefanos; McLaughlin, Heather; Jackson, Stephen

    2018-01-01

    This study investigates the role of personal values as motivational antecedents for understanding higher education (HE) student career decidedness among university business school (UBS) students. We propose a new "protean"-informed HE student career decidedness model for theorizing how both personal values and social capital mediators…

  4. Asymmetric Information in Iranian’s Health Insurance Market: Testing of Adverse Selection and Moral Hazard

    Lotfi, Farhad; Gorji, Hassan Abolghasem; Mahdavi, Ghadir; Hadian, Mohammad

    2015-01-01

    Background: Asymmetric information is one of the most important issues in insurance market which occurred due to inherent characteristics of one of the agents involved in insurance contracts; hence its management requires designing appropriate policies. This phenomenon can lead to the failure of insurance market via its two consequences, namely, adverse selection and moral hazard. Objective: This study was aimed to evaluate the status of asymmetric information in Iran’s health insurance market with respect to the demand for outpatient services. Materials/sPatients and Methods: This research is a cross sectional study conducted on households living in Iran. The data of the research was extracted from the information on household’s budget survey collected by the Statistical Center of Iran in 2012. In this study, the Generalized Method of Moment model was used and the status of adverse selection and moral hazard was evaluated through calculating the latent health status of individuals in each insurance category. To analyze the data, Excel, Eviews and stata11 software were used. Results: The estimation of parameters of the utility function of the demand for outpatient services (visit, medicine, and Para-clinical services) showed that households were more risk averse in the use of outpatient care than other goods and services. After estimating the health status of households based on their health insurance categories, the results showed that rural-insured people had the best health status and people with supplementary insurance had the worst health status. In addition, the comparison of the conditional distribution of latent health status approved the phenomenon of adverse selection in all insurance groups, with the exception of rural insurance. Moreover, calculation of the elasticity of medical expenses to reimbursement rate confirmed the existence of moral hazard phenomenon. Conclusions: Due to the existence of the phenomena of adverse selection and moral hazard

  5. Breast Health Services: Accuracy of Benefit Coverage Information in the Individual Insurance Marketplace.

    Hamid, Mariam S; Kolenic, Giselle E; Dozier, Jessica; Dalton, Vanessa K; Carlos, Ruth C

    2017-04-01

    The aim of this study was to determine if breast health coverage information provided by customer service representatives employed by insurers offering plans in the 2015 federal and state health insurance marketplaces is consistent with Patient Protection and Affordable Care Act (ACA) and state-specific legislation. One hundred fifty-eight unique customer service numbers were identified for insurers offering plans through the federal marketplace, augmented with four additional numbers representing the Connecticut state-run exchange. Using a standardized patient biography and the mystery-shopper technique, a single investigator posed as a purchaser and contacted each number, requesting information on breast health services coverage. Consistency of information provided by the representative with the ACA mandates (BRCA testing in high-risk women) or state-specific legislation (screening ultrasound in women with dense breasts) was determined. Insurer representatives gave BRCA test coverage information that was not consistent with the ACA mandate in 60.8% of cases, and 22.8% could not provide any information regarding coverage. Nearly half (48.1%) of insurer representatives gave coverage information about ultrasound screening for dense breasts that was not consistent with state-specific legislation, and 18.5% could not provide any information. Insurance customer service representatives in the federal and state marketplaces frequently provide inaccurate coverage information about breast health services that should be covered under the ACA and state-specific legislation. Misinformation can inadvertently lead to the purchase of a plan that does not meet the needs of the insured. Copyright © 2016 American College of Radiology. Published by Elsevier Inc. All rights reserved.

  6. 75 FR 59734 - Notice of Submission of Proposed Information Collection to OMB Application for Insurance of...

    2010-09-28

    ... Proposed Information Collection to OMB Application for Insurance of Advance of Mortgage Proceeds AGENCY... subject proposal. This information is collected to indicate to the mortgagee amounts approved for advance... of the functions of the agency, including whether the information will have practical utility; (2...

  7. [Need for Information about Medical Rehabilitation of Persons with German Pension Insurance: a Written Survey].

    Walther, Anna Lena; Falk, Johannes; Deck, Ruth

    2017-07-26

    Aim In order to acquire target group-specific information on rehabilitation for members of the German pension insurance, they were asked about their ideas about medical rehabilitation and desired information regarding subjects and kind of information transfer. Method The core of the project was a written survey of members of the German pension insurance. N=600 insured people were invited to participate in the study. The questionnaire was developed in a qualitative pre-study. Results N=196 questionnaires were evaluated. Recovery of working ability was mentioned by most persons as the aim of medical rehabilitation. The most common idea regarding indication for rehabilitation was a specific operation. Physiotherapy was most often considered as therapy during medical rehabilitation. Information about formal steps, realistic aims and rehabilitation clinics were important. A conversation with their physician, written information material and a website were the preferred information pathways. Two-thirds of participants thought that information about medical rehabilitation was important even though they had no rehabilitation indication at the time of survey. Conclusion The identified target-related information needs can be considered in a need-oriented development of information material. These can contribute to an informed decision for members of the German pension insurance for or against medical rehabilitation or an application for rehabilitation. Moreover, patient-oriented information can contribute to more successful rehabilitation participation, higher satisfaction with and a better rating of medical rehabilitation. © Georg Thieme Verlag KG Stuttgart · New York.

  8. Switching health insurers: the role of price, quality and consumer information search.

    Boonen, Lieke H H M; Laske-Aldershof, Trea; Schut, Frederik T

    2016-04-01

    We examine the impact of price, service quality and information search on people's propensity to switch health insurers in the competitive Dutch health insurance market. Using panel data from annual household surveys and data on health insurers' premiums and quality ratings over the period 2006-2012, we estimate a random effects logit model of people's switching decisions. We find that switching propensities depend on health plan price and quality, and on people's age, health, education and having supplementary or group insurance. Young people (18-35 years) are more sensitive to price, whereas older people are more sensitive to quality. Searching for health plan information has a much stronger impact on peoples' sensitivity to price than to service quality. In addition, searching for health plan information has a stronger impact on the switching propensity of higher than lower educated people, suggesting that higher educated people make better use of available health plan information. Finally, having supplementary insurance significantly reduces older people's switching propensity.

  9. Influencing young women to pursue a career in the creative information technologies

    Mosco, Michele

    A leaky pipeline is often cited as the cause for the underrepresentation of women in computer-related professions. However, females may not even enter the pipeline; that is, they do not even enroll in creative information technology coursework as early as high school. Creative information technology careers include web design, digital photography, and multimedia. Constructs of the social cognitive career theory---outcome expectations and self-efficacy--provided the theoretical framework for this investigation to determine why young women are not exhibiting interest in these careers. Using an action research structure, a female-segregated technology club was implemented at the high school. The study intended to increase the participants' interest in pursuing careers in the creative information technology field through the components of career choice as outlined in the theoretical framework. The outcome expectations of "With whom will I work?" and "What will I do?" were addressed through the presentation of female role models and career information. Self-efficacy was targeted through technology skills' instruction directly related to the creative information technology fields. Data was collected through the administration of a pretest/posttest survey instrument, researcher observations, individual participant interviews, and an analysis of the participants' creative products. Quantitative findings indicated that there were few statistically significant program effects. The participants' perceptions of those employed in these careers did not change, but their technology self-efficacy increased on three indicators. Analysis of qualitative data yielded a more complete picture: although the young women had little prior knowledge of those employed in these fields, they did enjoy learning technology to develop creative projects in a social atmosphere where they could persevere through the technology frustrations they encountered. All of the data types affirmed that the

  10. Accounting Students’ Choice on Accounting Information Technology Careers (P.178-188

    Nurul Hasanah Uswati Dewi

    2016-03-01

    Full Text Available The important role of accounting information systems professionals, motivate researchers to analyze further the interest of students to the profession in the field of accounting information systems. The aim of this study explores the factors that influence students to choose and do not choose a profession in the field of accounting information systems.This research was conducted using questionnaires. The population was undergraduate accounting students. Sample research was done randomly.This research shows that the interest in undergraduate accounting students for a career in the field of information systems is very small and this research also appears that the academic supervisor is one of the dominant factors influencing student choice in choosing a career in the field of information systems. Beside this, this study also found that respondents are not interested in a career in accounting information systems more due to that field of information systems is not a career they aspire.Keywords: accounting information system, accounting career, students.

  11. The Differences in Career-Related Variables between Temporary and Permanent Employees in Information Technology Companies in Korea

    Tak, Jinkook; Lim, Beomsik

    2008-01-01

    The purpose of this study was to examine differences in career-related variables, such as career commitment and career satisfaction, based on employment status (temporary vs. permanent employees) and job type (professional vs. nonprofessional employees). With a sample of 302 employees working in information technology companies in Korea, it was…

  12. Engaging the optics community in the development of informative, accessible resources focusing on careers

    Poulin-Girard, Anne-Sophie; Gingras, F.; Zambon, V.; Thériault, G.

    2014-09-01

    Young people often have biased and pre-conceived ideas about scientists and engineers that can dissuade them from considering a career in optics. This situation is compounded by the fact that existing resources on careers in optics are not suitable since they mostly focus on more general occupations such as a physicist and an electrical engineer. In addition, the linguistic register is not adapted for students, and many of these resources are only available to guidance counselors. To create appropriate resources that will inform high school students on different career opportunities in optics and photonics, we sought the collaboration of our local optics community. We selected seven specific occupations: entrepreneur in optics, university professor, teacher, technician, research and development engineer, sales representative and graduate student in optics. For each career, a list of daily tasks was created from the existing documentation by a guidance counselor and was validated by an expert working in the field of optics. Following a process of validation, we built surveys in which professionals were asked to select the tasks that best represented their occupation. The surveys were also used to gather other information such as level of education and advice for young people wishing to pursue careers in optics. Over 175 professionals answered the surveys. With these results, we created a leaflet and career cards that are available online and depict the activities of people working in optics and photonics. We hope that these resources will help counter the negative bias against scientific careers and inform teenagers and young adults on making career choices that are better suited to their preferences and aspirations.

  13. National Flood Insurance Program (NFIP) 2017 Reinsurance Placement Information

    Department of Homeland Security — We are sharing some of the January 2017 reinsurance placement information with the general public, because it is important for the nation to more clearly understand...

  14. Mediating Role of Career Commitment in the Relationship of Promotional Opportunities, Rewards and Career Success

    Ahmad Tisman Pasha

    2017-03-01

    Full Text Available The objective of the study is to investigate the mediating role of career commitment between career development practices and career success of employee in insurance sector of Pakistan. Survey method was adopted to collect the data form 374 employees working in insurance sector systematic sampling. PLS-SEM technique was used using Smart PLS 2.0 to analyze the data. Findings of the study suggests that employees’ career development practices have positive relationship with career commitment and career success. Career commitment also have a positive relation with career success. Finally, career commitment mediates the positive role between career development practices and career of insurance sector employees. The effect of career development practices on career commitment and effect of career development practices on career success has been checked in past studies but the mediating role of career commitment particularly for the employees of insurance sector has not been checked before.

  15. 78 FR 39644 - Information Reporting for Affordable Insurance Exchanges

    2013-07-02

    ... Federal Register. Drafting Information The principal authors of these proposed regulations are Shareen S. Pflanz and Stephen J. Toomey of the Office of Associate Chief Counsel (Income Tax and Accounting... required contribution for self-only coverage and the Exchange's determination of whether the employer...

  16. Insurance crisis

    Williams, P.L.

    1996-01-01

    The article discusses the effects of financing and technology advances on the availability of insurance for independent power producers operating gas turbines. Combined cycle units which require new materials and processes make it difficult to assess risk. Insurers are denying coverage, or raising prices and deductibles. Many lenders, however, are requiring insurance prior to financing. Some solutions proposed include information sharing by industry participants and insurers and increased risk acceptance by plant owners/operators

  17. The use of genetic information in the insurance sector--a German perspective.

    Armbrüster, Christian; Obal, Monika

    2013-01-01

    The following paper offers an introduction to the legal framework concerning the use of genetic information in the insurance sector in Germany. The main contents and the controversial issues of the key regulation are examined. The aim of this rule being to secure human dignity by respecting the right to informational self-determination regarding genetic data, including the individual's right not to know about their genetic characteristics, there are a number of open issues which are being addressed. For instance, the influence of the prohibition to ask for genetic testing and to use the results of any such testing by the insurer is examined. This examination leads to some explicit results, such as the assumption that in addition to the ban on the use of genetic testing no questions about family medical history are admissible. The authors embark on the definition of genetic testing and the question to what extent the results of diagnostic genetic testing may still be made use of in the context of the insured person's obligation to display pre-existing conditions and diseases when the contract is concluded. In this respect distinctions between diagnostic and predictive genetic testing as well as between disease and disposition are drawn. Furthermore, the exceptions from the prohibition to use results of genetic testing are examined, and the scope of the prohibition of acceptance of results of genetic testing even if performed at the instigation of the insured is explored. Finally the consequences, encompassing criminal liability and private law ramifications, of the violation of the prohibition are presented. In this context, a narrow understanding of the aggravated criminal offence of using results of genetic testing with the intent to personal enrichment or in return for payments is developed. Finally the effects on the validity of the insurance contract and the question whether the insurer may be forced to conclude a contract are examined.

  18. Reassessing insurers' access to genetic information: genetic privacy, ignorance, and injustice.

    Feiring, Eli

    2009-06-01

    Many countries have imposed strict regulations on the genetic information to which insurers have access. Commentators have warned against the emerging body of legislation for different reasons. This paper demonstrates that, when confronted with the argument that genetic information should be available to insurers for health insurance underwriting purposes, one should avoid appeals to rights of genetic privacy and genetic ignorance. The principle of equality of opportunity may nevertheless warrant restrictions. A choice-based account of this principle implies that it is unfair to hold people responsible for the consequences of the genetic lottery, since we have no choice in selecting our genotype or the expression of it. However appealing, this view does not take us all the way to an adequate justification of inaccessibility of genetic information. A contractarian account, suggesting that health is a condition of opportunity and that healthcare is an essential good, seems more promising. I conclude that if or when predictive medical tests (such as genetic tests) are developed with significant actuarial value, individuals have less reason to accept as fair institutions that limit access to healthcare on the grounds of risk status. Given the assumption that a division of risk pools in accordance with a rough estimate of people's level of (genetic) risk will occur, fairness and justice favour universal health insurance based on solidarity.

  19. Career development learning in higher education: how authentic work experiences and opportunities for career exploration canincrease self-efficacy and inform career identity

    Benton, Paula

    2015-01-01

    A recent study suggests that enhancing career development is a key motivator for students entering university (Kandiko & Mawer, 2013). This article discusses the place of career development learning within the ‘employability’ agenda. It draws upon on social learning and constructivist theories of career development in a qualitative case study exploring undergraduate students’ experiences of placements in relation to their career development learning and employability. Findings suggest signifi...

  20. The medically examined applicant for private insurance and his/her right to informed consent: a comparative analysis.

    Defloor, Sarah

    2011-05-01

    Within the context of health and insurance law, an important question that arises is "to what extent is an applicant for private insurance truly capable of giving his/her 'free' and informed consent for a medical examination?". It should be borne in mind that it is the private insurer who requires a medical examination in order to gather medical information, and, moreover, that the insurer will not be inclined to conclude or carry out an insurance contract without this medical information. A distinction has to be made between not being free by legal coercion and not being (completely) free by factual circumstances. Exercising the right to informed consent involves exactly weighing up the consequences of the decision. Hence the applicant must be put in a position of being able to weigh up the consequences and take them into consideration.

  1. Accounting Students’ Choice on Accounting Information Technology Careers

    Nurul Hasanah Uswati Dewi

    2014-01-01

    The important role of accounting information systems professionals, motivate researchers to analyze further the interest of students to the profession in the field of accounting information systems. The aim of this study explores the factors that influence students to choose and do not choose a profession in the field of accounting information systems. This research was conducted using questionnaires. The population was undergraduate accounting students. Sample research was done randomly....

  2. Understanding employees' informal workplace learning: The joint influence of career motivation and self-construal

    van Rijn, Monique; Yang, H.; Sanders, Karin

    2013-01-01

    Purpose – This paper aims to investigate the joint influence of employees' career motivation and their self-construal on their engagement in three informal workplace learning activities: keeping up-to-date, asking for feedback from supervisors and knowledge sharing. Design/methodology/approach –

  3. Job Outlook Information: Careers for the Future. InfoSeries.

    Indiana Career and Postsecondary Advancement Center, Bloomington.

    Job outlook information forecasts the growth and decline of jobs in the near future--usually for a 10-year period. The purpose of this information is to help individuals understand where future employment opportunities may occur, but the individual must also consider his/her skills and interests and the level of education needed to accomplish…

  4. Impacting Student Perceptions about Careers in Information Systems

    Walstrom, Kent A.; Schambach, Thomas P.

    2012-01-01

    A shortage of graduates prepared to fill the available jobs in Information Systems remains. Previous studies have verified the shortage and attempted to explain why students do not major in Information Technology related fields. Since prior studies identified lack of awareness regarding the discipline as a major reason in ignoring the major, the…

  5. Personal values, social capital and higher education student career decidedness: a new ‘protean’ informed model

    Fearon, C.; Nachmias, S.; McLaughlin, H.; Jackson, S.

    2016-01-01

    This study investigates the role of personal values as motivational antecedents for understanding HE student career decidedness among university business school (UBS) students. We propose a new ‘protean’ informed HE student career decidedness model for theorizing how both personal values and social capital mediators (student social capital; personal, social and enterprise skills; access to resources) help in the student-centric and self-directed processes of career decision-making. A mixed me...

  6. Affordability of and Access to Information About Health Insurance Among Immigrant and Non-immigrant Residents After Massachusetts Health Reform.

    Kang, Ye Jin; McCormick, Danny; Zallman, Leah

    2017-08-01

    Immigrants' perceptions of affordability of insurance and knowledge of insurance after health reform are unknown. We conducted face-to-face surveys with a convenience sample of 1124 patients in three Massachusetts safety net Emergency Departments after the Massachusetts health reform (August 2013-January 2014), comparing immigrants and non-immigrants. Immigrants, as compared to non-immigrants, reported more concern about paying premiums (30 vs. 11 %, p = 0.0003) and about affording the current ED visit (38 vs. 22 %, p Insured immigrants were less likely to know copayment amounts (57 vs. 71 %, p = 0.0018). Immigrants were more likely to report that signing up for insurance would be easier with fewer plans (53 vs. 34 %, p = 0.0443) and to lack information about insurance in their primary language (31 vs. 1 %, p insurance. Immigrants who sought insurance information via websites or helplines were more likely to find that information useful than non-immigrants (100 vs. 92 %, p = 0.0339). Immigrants seeking care in safety net emergency departments had mixed experiences with affordability of and knowledge about insurance after Massachusetts health reform, raising concern about potential disparities under the Affordable Care Act that is based on the MA reform.

  7. Impact of information communication technologies (ICTs) on career ...

    Findings revealed that the most applicable ICT facilities to female academia's job is the computer systems (58.7%) and the internet connectivity (51%), Also, out of the several ICT based activities investigated, the most applicable was information retrieval activity (53%). Greater number of the population under study was ...

  8. Exploring the Relationship between Career Interests and Work Values as Measured by the Choices Career Information Delivery System

    Dobson, Leila Kristine

    2010-01-01

    Person by environment fit is the most common approach used to support career decision making. In short, individuals learn how their personal characteristics can be "matched" to the occupations that correspond to those characteristics. Various career assessments have been designed to facilitate this matching process, including the O* "NET Interest…

  9. Brief biopsychosocially informed education can improve insurance workers? back pain beliefs: Implications for improving claims management behaviours

    Beales, Darren; Mitchell, Tim; Pole, Naomi; Weir, James

    2016-01-01

    BACKGROUND: Biopsychosocially informed education is associated with improved back pain beliefs and positive changes in health care practitioners? practice behaviours. OBJECTIVE: Assess the effect of this type of education for insurance workers who are important non-clinical stakeholders in the rehabilitation of injured workers. METHODS: Insurance workers operating in the Western Australian workers? compensation system underwent two, 1.5 hour sessions of biopsychosocially informed education fo...

  10. Dietary Preferences and Nutritional Information Needs Among Career Firefighters in the United States

    Yang, Justin; Farioli, Andrea; Korre, Maria; Kales, Stefanos N.

    2015-01-01

    Background: Considerable cardiovascular disease and cancer risk among firefighters are attributable to excess adiposity. Robust evidence confirms strong relationships between dietary patterns and the risk of chronic disease. Dietary modification is more likely to be effective when the strategy is appealing and addresses knowledge gaps. Objective: To assess career firefighters' diet practices and information needs, compare the relative appeal of proposed diet plans, and examine how these vary ...

  11. Informální u č ení v karié ř e žen. / Informal learning within the career development of women.

    Lenka Hloušková

    2013-06-01

    Full Text Available The aim of this text is to describe how informal learning influences the career development of women. Answer to the above mentioned question follows from a qualitative study within a research study on the topic: The needs of adults in relation to the building of their careers and how to satisfy these through career counselling andguidance services. Qualitative approach was implemented as biographic research with the use of the life story method. For the purpose of this text, we used a sample of seven women of different ages, the same degree of education, with at least one-year-work experience and with different types of changes in their careers. The data suggest that women learn informally either due to the pressure of a situation or „for the future“. If women learn as a result of the pressure of the situation, informal learning represents a tool for satisfying needs that are perceived as deficit. In fact, these women don'tplan their career development in a long-term perspective and from the point of view of career building, informal learning becomes a tool for changing the current state. In case that women learn for the future, via learning they try to satisfy needs which canbe regarded (according to Maslow as the self-realization needs. These women plan their career development and this is why it is possible to consider informal learning as a direct tool for their career development.

  12. The information value of early career productivity in mathematics: a ROC analysis of prediction errors in bibliometricly informed decision making.

    Lindahl, Jonas; Danell, Rickard

    The aim of this study was to provide a framework to evaluate bibliometric indicators as decision support tools from a decision making perspective and to examine the information value of early career publication rate as a predictor of future productivity. We used ROC analysis to evaluate a bibliometric indicator as a tool for binary decision making. The dataset consisted of 451 early career researchers in the mathematical sub-field of number theory. We investigated the effect of three different definitions of top performance groups-top 10, top 25, and top 50 %; the consequences of using different thresholds in the prediction models; and the added prediction value of information on early career research collaboration and publications in prestige journals. We conclude that early career performance productivity has an information value in all tested decision scenarios, but future performance is more predictable if the definition of a high performance group is more exclusive. Estimated optimal decision thresholds using the Youden index indicated that the top 10 % decision scenario should use 7 articles, the top 25 % scenario should use 7 articles, and the top 50 % should use 5 articles to minimize prediction errors. A comparative analysis between the decision thresholds provided by the Youden index which take consequences into consideration and a method commonly used in evaluative bibliometrics which do not take consequences into consideration when determining decision thresholds, indicated that differences are trivial for the top 25 and the 50 % groups. However, a statistically significant difference between the methods was found for the top 10 % group. Information on early career collaboration and publication strategies did not add any prediction value to the bibliometric indicator publication rate in any of the models. The key contributions of this research is the focus on consequences in terms of prediction errors and the notion of transforming uncertainty

  13. 76 FR 24572 - Proposed Information Collection (Application for Ordinary Life Insurance) Activity: Comment Request

    2011-05-02

    ... insurance. Modified Life insurance coverage is reduced automatically by one-half from its present face value... (Application for Ordinary Life Insurance) Activity: Comment Request AGENCY: Veterans Benefits Administration, Department of Veterans Affairs. ACTION: Notice. SUMMARY: The Veterans Benefits Administration (VBA...

  14. Information Technology Managerial Capabilities and Customer Service Performance Among Insurance Firms in Nigeria

    Sunday Adekunle Aduloju

    2014-12-01

    Full Text Available The potential of information technology (IT as an enabler of customer service process continues to generate interest, which is reflected in the large number of IT-related studies. In spite of the significant progress made in this area, research findings have been mixed and inconsistent. Also, the underlying mechanisms by which IT can affect customer service process remain underexamined. The aim of this study was to find out whether IT investments and IT managerial capabilities can account for variations in customer service performance among insurance companies in Nigeria. Using survey research design, the three formulated hypotheses were tested with data gathered from 402 staff at the managerial level drawn from the selected insurance companies in Nigeria, which have been among the largest investors in IT, and where customer service is widely perceived as strategically important. Responses were analyzed using linear regression. A major finding of this study is that IT is a necessary, but not sufficient, condition for sustainable competitive advantage in customer service. Results show that the interaction of IT investments and tacit, path-dependent, and firm-specific IT managerial capabilities significantly explains variations in customer service performance. Consequently, this study recommends that to realize IT-business value, investments in IT should be accompanied by building and developing IT managerial capabilities.

  15. The development of universal health insurance coverage in Thailand: Challenges of population aging and informal economy.

    Hsu, Minchung; Huang, Xianguo; Yupho, Somrasri

    2015-11-01

    This paper quantitatively investigates the sustainability of the universal health insurance coverage (UHI) system in Thailand while taking into account the country's rapidly aging population and large informal labor sector. We examine the effects of population aging and informal employment across three tax options for financing the UHI. A modern dynamic general equilibrium framework is utilized to conduct policy experiments and welfare analysis. In the case of labor income tax being used to finance the cost of UHI, an additional 11-15% of labor tax will be required with the 2050 population age structure, compared with the 2005 benchmark economy. We also find that an expansion of income tax base to the informal sector can substantially alleviate the tax burden. Based on welfare comparisons across the alternative tax options, the labor income tax is the most preferred because the inequality between formal/informal sectors is large. If the informal sector cannot avoid labor income tax, capital tax will be preferred over labor and consumption taxes. Copyright © 2015 Elsevier Ltd. All rights reserved.

  16. Does Indonesian National Health Insurance serve a potential for improving health equity in favour of workers in informal economy?

    Kartika, Dwintha Maya

    2015-01-01

    This study examines whether Indonesian national health insurance system promotes health equity in favour of informal economy workers. It first lays out the theoretical justification on the need of social protection, particularly health protection for informal workers. The paper argues that the absence of health protection for vulnerable informal workers in Indonesia has reinforced health inequity between formal and informal workers, thus provides a justification on extending health protection...

  17. Alternative health insurance schemes

    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...

  18. Career Anchors of United States Air Force Information Systems Workers: A Turnover Predictor

    Wynne, Lee

    2002-01-01

    ...) and the work of Schein (1987) to measure the career anchors, job satisfaction, and turnover intention of AF IS workers to determine if those whose job type and career anchor match report higher satisfaction and lower turnover...

  19. A longitudinal study of the educational and career trajectories of female participants of an urban informal science education program

    Fadigan, Kathleen A.; Hammrich, Penny L.

    2004-10-01

    The purpose of this longitudinal case study is to describe the educational trajectories of a sample of 152 young women from urban, low-income, single-parent families who participated in the Women in Natural Sciences (WINS) program during high school. Utilizing data drawn from program records, surveys, and interviews, this study also attempts to determine how the program affected the participants' educational and career choices to provide insight into the role informal science education programs play in increasing the participation of women and minorities in science, math, engineering, and technology (SMET)-related fields. Findings revealed 109 participants (93.16%) enrolled in a college program following high school completion. Careers in medical or health-related fields followed by careers in SMET emerged as the highest ranking career paths with 24 students (23.76%) and 21 students (20.79%), respectively, employed in or pursuing careers in these areas. The majority of participants perceived having staff to talk to, the job skills learned, and having the museum as a safe place to go as having influenced their educational and career decisions. These findings reflect the need for continued support of informal science education programs for urban girls and at-risk youth.

  20. Subsidized health insurance coverage of people in the informal sector and vulnerable population groups: trends in institutional design in Asia.

    Vilcu, Ileana; Probst, Lilli; Dorjsuren, Bayarsaikhan; Mathauer, Inke

    2016-10-04

    Many low- and middle-income countries with a social health insurance system face challenges on their road towards universal health coverage (UHC), especially for people in the informal sector and vulnerable population groups or the informally employed. One way to address this is to subsidize their contributions through general government revenue transfers to the health insurance fund. This paper provides an overview of such health financing arrangements in Asian low- and middle-income countries. The purpose is to assess the institutional design features of government subsidized health insurance type arrangements for vulnerable and informally employed population groups and to explore how these features contribute to UHC progress. This regional study is based on a literature search to collect country information on the specific institutional design features of such subsidization arrangements and data related to UHC progress indicators, i.e. population coverage, financial protection and access to care. The institutional design analysis focuses on eligibility rules, targeting and enrolment procedures; financing arrangements; the pooling architecture; and benefit entitlements. Such financing arrangements currently exist in 8 countries with a total of 14 subsidization schemes. The most frequent groups covered are the poor, older persons and children. Membership in these arrangements is mostly mandatory as is full subsidization. An integrated pool for both the subsidized and the contributors exists in half of the countries, which is one of the most decisive features for equitable access and financial protection. Nonetheless, in most schemes, utilization rates of the subsidized are higher compared to the uninsured, but still lower compared to insured formal sector employees. Total population coverage rates, as well as a higher share of the subsidized in the total insured population are related with broader eligibility criteria. Overall, government subsidized health

  1. Mediating Role of Career Commitment in the Relationship of Promotional Opportunities, Rewards and Career Success

    Ahmad Tisman Pasha; Kamal Ab Hamid; Arfan Shahzad

    2017-01-01

    The objective of the study is to investigate the mediating role of career commitment between career development practices and career success of employee in insurance sector of Pakistan. Survey method was adopted to collect the data form 374 employees working in insurance sector systematic sampling. PLS-SEM technique was used using Smart PLS 2.0 to analyze the data. Findings of the study suggests that employees’ career development practices have positive relationship with career commitment and...

  2. An Informal Science Education Program's Impact on STEM Major and STEM Career Outcomes

    Habig, Bobby; Gupta, Preeti; Levine, Brian; Adams, Jennifer

    2018-04-01

    While there is extensive evidence that STEM careers can be important pathways for augmenting social mobility and for increasing individual prestige, many youth perceive a STEM trajectory as an unattractive option. In the USA, women and members of historically marginalized racial and ethnic groups continue to be underrepresented across STEM disciplines. One vehicle for generating and sustaining interest in STEM is providing youth long-term access to informal science education (ISE) institutions. Here, we incorporate triangulation methods, collecting and synthesizing both qualitative and quantitative data, to examine how participation in a longitudinal ISE out-of-school time (OST) program facilitated by the American Museum of Natural History (AMNH) impacted the STEM trajectories of 66 alumni. Findings revealed that 83.2% of alumni engaged in a STEM major, and 63.1% in a STEM career, the majority whom were females and/or members of historically underrepresented racial and ethnic groups. Based on interviews with a purposeful sample of 21 AMNH alumni, we identified four program design principles that contributed to persistence in STEM: (1) affording multiple opportunities to become practitioners of science; (2) providing exposure to and repeated experiences with STEM professionals such as scientists, educators, and graduate students to build social networks; (3) furnishing opportunities for participants to develop shared science identities with like-minded individuals; and (4) offering exposure to and preparation for a variety of STEM majors and STEM careers so that youth can engage in discovering possible selves. These findings support our central thesis that long-term engagement in ISE OST programs fosters persistence in STEM.

  3. The internal career orientation of permanent and contracting information technology staff

    Hilda Havran

    2003-10-01

    Full Text Available The primary aim of the study was to investigate the relationship between types of employment (permanent or contracting for two variables: flow and career success orientation in an information technology environment. The study was performed in a sub-division of a large telecommunications company that focuses on software development and implementation. Two questionnaires measuring flow and career success orientation, were administered to groups of 150 permanent and 150 contracting staff respectively. Factor analyses indicated that the career success orientation questionnaire measured two dimensions labeled as ‘work focus’ and ‘self focus’, and the flow questionnaire measured ‘enjoyment’ and ‘control of consciousness’. Contracting and permanent employees were compared with regard to the four dimensions and it was found that contract workers experienced their work more optimally than the permanent workers did, because they obtained higher scores on the ‘control of consciousness scale’. Opsomming Die primêre doel van die ondersoek was om die verwantskap tussen tipes indiensneming (permanent en kontraktering te ondersoek vir twee veranderlikes: vloei en beroepsuksesoriëntasie in ’n inligtingstegnologieomgewing. Die ondersoek is uitgevoer in ’n onderafdeling van ’n groot telekommunikasiemaatskappy wat fokus op programmatuurontwikkeling en -implementering. Twee vraelyste wat vloei en beroepsuksesoriëntasie meet, is toegepas op 150 permanente werknemers en 150 kontrakteurs. Faktorontledings het aangedui dat die beroepsuksesoriënteringsvraelys twee dimensies gemeet het, naamlik ‘werkfokus’ en ‘selffokus’. Die vloei-vraelys het ‘werksgenot’ en ‘bewustsheidbeheer’ gemeet. Kontrakteurs en permanente werknemers is met mekaar vergelyk in terme van die vier dimensies en die uitslae van die bewustheids beheerskaal het aangedui dat kontrakteurs hul werk meer optimaal ervaar in teenstelling met permanente werkers.

  4. Performance Analysis of Hospital Information System of the National Health Insurance Corporation Ilsan Hospital

    Han, Jung Mi; Boo, Eun Hee; Kim, Jung A; Yoon, Soo Jin; Kim, Seong Woo

    2012-01-01

    Objectives This study evaluated the qualitative and quantitative performances of the newly developed information system which was implemented on November 4, 2011 at the National Health Insurance Corporation Ilsan Hospital. Methods Registration waiting time and changes in the satisfaction scores for the key performance indicators (KPI) before and after the introduction of the system were compared; and the economic effects of the system were analyzed by using the information economics approach. Results After the introduction of the system, the waiting time for registration was reduced by 20%, and the waiting time at the internal medicine department was reduced by 15%. The benefit-to-cost ratio was increased to 1.34 when all intangible benefits were included in the economic analysis. Conclusions The economic impact and target satisfaction rates increased due to the introduction of the new system. The results were proven by the quantitative and qualitative analyses carried out in this study. This study was conducted only seven months after the introduction of the system. As such, a follow-up study should be carried out in the future when the system stabilizes. PMID:23115744

  5. Communication of job-related information and work family conflict in dual-career couples

    Bedelia Theunissen

    2003-10-01

    Full Text Available It is known that work-family conflict is a determinant of marital dissatisfaction. The goal of this study was to determine whether inadequate communication regarding the sharing of job-related information between dual-career spouses contributes to marital dissatisfaction. The Work Perception Questionnaire (WPQ was designed and administered to obtain information on dimensions that 80 dual-career couples (married or in co-habitation perceived to contribute to marital conflict and that have an impact on the quality of their relationships. The main findings indicated that male partners experienced more marital conflict than their female partners if they did not have adequate job-related information about their partner’s work. However, the findings for the female partners were nonsignificant. The implications of the findings are discussed. Opsomming Dit is algemeen bekend dat werk- en gesinskonflik ‘n oorsaak van huweliksontevredenheid is. Die doel van hierdie studie was om te bepaal of ontoereikende kommunikasie oor werksverwante inligting tussen gades in dubbelloopbaanverhoudings ‘n bydraende faktor tot huweliksontevredenheid is. Die Werk Persepsie Vraelys (WPV is ontwerp en toegepas ten einde inligting te versamel rakende sekere dimensies wat volgens die persepsies van 80 dubbelloopbaanpare (wat getroud is of saamwoon aanleiding gee tot huwelikskonflik en wat moontlik ‘n impak op die gehalte van hul verhouding mag hê. Die belangrikste bevinding was dat manlike gades meer huwelikskonflik ervaar indien hul gades nie werksverwante inligting met hulle deel nie. Die resultate vir vroulike gades was egter nie beduidend nie. Die implikasies van die resultate word bespreek.

  6. Extending voluntary health insurance to the informal sector: experiences and expectations of the informal sector in Kenya [version 1; referees: 2 approved

    Edwine W. Barasa

    2017-09-01

    Full Text Available Background: Kenya has made a policy decision to use contributory health insurance as one of its key pre-payment health financing mechanisms. The National Hospital Insurance Fund (NHIF is the main health insurer in Kenya. While the NHIF has hitherto focused its efforts on providing health insurance coverage to individuals in the formal sector, it has recently broadened its focus to include individuals in the informal sector. This paper provides an analysis of the perceptions, and experiences of informal sector individuals in Kenya with regard to enrolment with the NHIF.  Methods: We collected data through key informant interviews (39 in two purposefully selected counties. Study participants were drawn from healthcare facilities contracted by the NHIF, and current, former, and prospective informal sector members. We analyzed data using a grounded approach.  Results: Participants felt that the NHIF provided inadequate information about the registration and membership processes as well as benefit entitlements. There was variable and inconsistent communication by the NHIF. There was also variance between the official benefit package and the actual benefits received by members. The NHIF registration requirements and processes presented an administrative barrier to obtaining membership. The NHIF premium level and contribution mechanism presents a financial barrier to current and prospective members. Healthcare providers discriminated against NHIF members compared to cash-payers or private insurance holders.  Conclusions: The NHIF could improve enrolment and retention of informal sector individuals by; 1 using communication strategies that are effective at reaching the informal sector, 2 improving the affordability of the premium rates, 3 simplifying the enrolment requirements and process, and 4 strengthening accountability mechanisms between itself and healthcare facilities to ensure that enrolled members receive the benefits that they are

  7. 76 FR 40451 - Agency Information Collection (Application for Ordinary Life Insurance) Activity Under OMB Review

    2011-07-08

    ... reduced automatically by one-half from its present face value on the day before a policyholder's 65th and... (Application for Ordinary Life Insurance) Activity Under OMB Review AGENCY: Veterans Benefits Administration...) of 1995 [[Page 40452

  8. Airline Careers. Aviation Careers Series. Revised.

    Zaharevitz, Walter

    This booklet, one in a series on aviation careers, outlines the variety of careers available in airlines. The first part of the booklet provides general information about careers in the airline industry, including salaries, working conditions, job requirements, and projected job opportunities. In the main part of the booklet, the following 22 job…

  9. CHIS - Information concerning the health insurance of frontalier workers who are family members of a CHIS main member

    2014-01-01

    We recently informed you that the Organization was still in discussions with the Host State authorities to clarify the situation regarding the health insurance of frontalier workers who are family members (as defined in the Staff Rules and Regulations) of a CHIS main member, and that we were hoping to arrive at a solution soon.   After extensive exchanges, we finally obtained a response a few days ago from the Swiss authorities, with which we are fully satisfied and which we can summarise as follows: 1) Frontalier workers who are currently using the CHIS as their basic health insurance can continue to do so. 2) Family members who become frontalier workers, or those who have not yet exercised their “right to choose” (droit d’option) can opt to use the CHIS as their basic health insurance. To this end, they must complete the form regarding the health insurance of frontaliers, ticking the LAMal box and submitting their certificate of CHIS membership (available from U...

  10. Career Development: Issues of Gender, Race, and Class. Information Series No. 371.

    Stitt-Gohdes, Wanda L.

    The premise of this paper is that, although career choice implies options, issues of gender, race, and class may constrain the occupational choices an individual makes. Dominant career development theories are being reexamined for their appropriateness to diverse groups. This paper reviews the following theories: Ginzberg, Ginsburg, Axelrad, and…

  11. Career information in the mathematical sciences (CIMS). Final report, November 1, 1992--October 31, 1995

    Sterrett, A.

    1996-01-29

    This report documents the preparation and distribution of materials designed to aid students is assessing their interests in and prospects for a career in the mathematical sciences. Activities included the preparation of two books, two videos, a world wide web home page, and a workshop meeting on ``Math in Careers`` held at the University of California at Berkeley in January, 1995.

  12. Critical Success Factors to Improve Perception of Information Technology Careers: A Specific Case in a Mexican Higher Education Institution

    Alejandra Aldrette-Malacara

    2013-06-01

    Full Text Available It is a fact that fashion plays an important role to select a career, new options of careers from engineering are preferred by students instead of traditional options; for example, Mechatronics, Aeronautics, Automotive specializations, Bionics, Biomedical and others are so popular. Every day, new necessities are required in the world and it is necessary to find the way to solve them, for that reason these new majors are good options to students, however traditional areas are important too. Information Technology is not the exception because every enterprise, school, association and organization needs computers with systems that help to solve specific situations or to manage resources. In Mexico, Information Technology careers are been affected for low enrollment of students, of course private universities have suffered more this situation than public schools [1]. In this research work are shown the most important factors that have a real incidence to choose an Information Technology career. The methodology consisted in the design of a survey using seven points Likert´s scale where potential students could express more about their expectative, preferences and required abilities to study these majors. The mentioned survey had three versions and each one was validated through Cronbach’s Alpha. Data collected were analyzed using statistical software SPSS to obtain the critical success factors.

  13. Dietary Preferences and Nutritional Information Needs Among Career Firefighters in the United States.

    Yang, Justin; Farioli, Andrea; Korre, Maria; Kales, Stefanos N

    2015-07-01

    Considerable cardiovascular disease and cancer risk among firefighters are attributable to excess adiposity. Robust evidence confirms strong relationships between dietary patterns and the risk of chronic disease. Dietary modification is more likely to be effective when the strategy is appealing and addresses knowledge gaps. To assess career firefighters' diet practices and information needs, compare the relative appeal of proposed diet plans, and examine how these vary in association with body composition. Cross-sectional, online survey distributed to members of the International Association of Fire Fighters. Most firefighters do not currently follow any specific dietary plan (71%) and feel that they receive insufficient nutrition information (68%), but most are interested in learning more about healthy eating (75%). When presented with written descriptions of diets without names or labels and asked to rank them in order of preference, firefighters most often rated the Mediterranean diet as their favorite and gave it a more favorable distribution of relative rankings (PPaleo, Atkins, Therapeutic Lifestyle Changes, and Esselsteyn Engine 2 (low-fat, strictly plant-based) diets. Obese respondents reported more limited nutritional knowledge (Pdiet; however, 75% want to learn more about healthy eating. Among popular dietary choices, firefighters were most receptive to a Mediterranean diet and least receptive to a strictly plant-based diet.

  14. Brief biopsychosocially informed education can improve insurance workers' back pain beliefs: Implications for improving claims management behaviours.

    Beales, Darren; Mitchell, Tim; Pole, Naomi; Weir, James

    2016-11-22

    Biopsychosocially informed education is associated with improved back pain beliefs and positive changes in health care practitioners' practice behaviours. Assess the effect of this type of education for insurance workers who are important non-clinical stakeholders in the rehabilitation of injured workers. Insurance workers operating in the Western Australian workers' compensation system underwent two, 1.5 hour sessions of biopsychosocially informed education focusing on understanding and identifying barriers to recovery of injured workers with musculoskeletal conditions. Back pain beliefs were assessed pre-education, immediately post-education and at three-month follow-up (n = 32). Self-reported and Injury Management Advisor-reported assessment of change in claims management behaviours were collected at the three-month follow-up. There were positive changes in the Health Care Providers' Pain and Impairment Relationship Scale (p = 0.009) and Back Beliefs Questionnaire (p = 0.049) immediately following the education that were sustained at three-month follow-up. Positive changes in claims management behaviours were supported by self-reported and Injury Management Advisor-reported data. This study provides preliminary support that a brief biopsychosocially informed education program can positively influence insurance workers' beliefs regarding back pain, with concurrent positive changes in claims management behaviours. Further research is required to ascertain if these changes result in improved claims management outcomes.

  15. Ohio Career Resource.

    Ohio State Dept. of Education, Columbus. Div. of Career-Technical and Adult Education.

    This resource is designed to provide Ohio labor market information for use with advisory committees to stimulate and inform dialogue about the current evaluation and future planning of programs. It provides reports for 23 career fields in 6 career clusters. Each report highlights careers and occupations in the field and answers these questions:…

  16. Willingness to pay for health insurance in the informal sector of Sierra Leone.

    Jofre-Bonet, Mireia; Kamara, Joseph

    2018-01-01

    The objective of this project is to study the willingness to pay (WTP) for health insurance (HI) of individuals working in the informal sector in Sierra Leone, using a purposely-designed survey of a representative sample of this sector. We elicit the WTP using the Double-Bounded Dichotomous Choice with Follow Up method. We also examine the factors that are positively and negatively associated with the likelihood of the respondents to answer affirmatively to joining a HI scheme and to paying three different possible premiums, to join the HI scheme. We additionally analyze the individual and household characteristics associated with the maximum amount the household is willing to pay to join the HI scheme. The results indicate that the average WTP for the HI is 20,237.16 SLL (3.6 USD) per adult but it ranges from about 14,000 SLL (2.5 USD) to about 35,000 SLL (6.2 USD) depending on region, occupation, household and respondent characteristics. The analysis of the maximum WTP indicates that living outside the Western region and working in farming instead of petty trade are associated with a decrease in the maximum premium respondents are WTP for the HI scheme. Instead, the maximum WTP is positively associated to being a driver or a biker; having secondary or tertiary education (as opposed to not having any); the number of pregnant women in the household; having a TV; and, having paid for the last medical requirement. In summary, the various analyses show that a premium for the HI package could be set at approximately 20,000 SLL (3.54 USD) but also that establishing a single premium for all individuals in the informal sector could be risky. The efficient functioning of a HI scheme relies on covering as much of the population as possible, in order to spread risks and make the scheme viable. The impact of the various population characteristics raises the issue of how to rate premiums. In other words, setting a premium that may be too high for a big proportion of the

  17. Willingness to pay for health insurance in the informal sector of Sierra Leone

    Jofre-Bonet, Mireia; Kamara, Joseph

    2018-01-01

    Purpose The objective of this project is to study the willingness to pay (WTP) for health insurance (HI) of individuals working in the informal sector in Sierra Leone, using a purposely-designed survey of a representative sample of this sector. Methods We elicit the WTP using the Double-Bounded Dichotomous Choice with Follow Up method. We also examine the factors that are positively and negatively associated with the likelihood of the respondents to answer affirmatively to joining a HI scheme and to paying three different possible premiums, to join the HI scheme. We additionally analyze the individual and household characteristics associated with the maximum amount the household is willing to pay to join the HI scheme. Results The results indicate that the average WTP for the HI is 20,237.16 SLL (3.6 USD) per adult but it ranges from about 14,000 SLL (2.5 USD) to about 35,000 SLL (6.2 USD) depending on region, occupation, household and respondent characteristics. The analysis of the maximum WTP indicates that living outside the Western region and working in farming instead of petty trade are associated with a decrease in the maximum premium respondents are WTP for the HI scheme. Instead, the maximum WTP is positively associated to being a driver or a biker; having secondary or tertiary education (as opposed to not having any); the number of pregnant women in the household; having a TV; and, having paid for the last medical requirement. Conclusions In summary, the various analyses show that a premium for the HI package could be set at approximately 20,000 SLL (3.54 USD) but also that establishing a single premium for all individuals in the informal sector could be risky. The efficient functioning of a HI scheme relies on covering as much of the population as possible, in order to spread risks and make the scheme viable. The impact of the various population characteristics raises the issue of how to rate premiums. In other words, setting a premium that may be too

  18. MANAGEMENT ACCOUNTING SYSTEM OF PUBLIC OFF-BUDGET FUNDS AS AN INFORMATIONAL BASIS FOR PUBLIC INSURANCE MECHANISMS FORMATION (CASE STUDY OF FEDERAL COMPULSORY MEDICAL INSURANCE FUND

    Anatoly A. Kozlov

    2014-01-01

    Full Text Available The article justifies the introduced proposals for a management accounting of theFederal Compulsory Medical InsuranceFund formation and the characteristics and principles of management accounting forms for the analysis of the territorialcompulsory medical insurance programs.

  19. Expanding health insurance scheme in the informal sector in Nigeria: awareness as a potential demand-side tool.

    Adewole, David Ayobami; Akanbi, Saidat Abisola; Osungbade, Kayode Omoniyi; Bello, Segun

    2017-01-01

    The implementation and expansion of a health insurance scheme in the informal sector, particularly in developing countries, is a challenge. With the aid of an innovative Information-Education and Communication model, titled 'Understanding the concept of health insurance: An innovative social marketing tool', an assessment of the awareness and perception of the scheme among market women was carried out. This is a cross-sectional descriptive survey, carried out among market women in Ibadan, Nigeria. In a multi-stage sampling technique, a total of 351 women were interviewed using an interviewer-administered, semi-structured questionnaire. The data was analysed using SPSS version 16. Chi-square test was used to test associations between selected variables of interest. Logistic regression model was used to determine predictors of awareness of the National Health Insurance Scheme (NHIS). A model controlling for participants' enrolment status was built and Adjusted Odds Ratio (AOR) reported. Level of statistical significance was set at p market women aged 18 years and above participated in the study, a response rate of 98.0%. Respondents' educational status was the only predictor significantly associated with awareness of the NHIS. Respondents with post-primary education had 10 times the odds of being aware of the NHIS than respondents with no education or only primary education (Adjusted Odds Ratio = 10.3; 95% CI = 4.1-26.0). Innovative models to enable potential beneficiaries, especially among the informal sector, to better comprehend and accept the concept of prepayment methods of financing healthcare costs is important in efforts to implement and expand a social health insurance scheme.

  20. Risk Management in Insurance Companies

    Yang, Xufeng

    2006-01-01

    Insurance is the uncertain business in uncertain society. Today, insures face more complex and difficult risks. Efficient risk management mechanisms are essential for the insurers. The paper is set out initially to explore UK insurance companies risk management and risk disclosure by examining companies annual report after all the listed insurance companies are required to disclose risk information in their annual report, which seeks to reflect the recent development in UK insurance companies...

  1. The social costs of homeowner decisions in fire-prone communities: information, insurance, and amenities

    Gwenlyn Busby; Gregory S. Amacher; Robert G. Haight

    2013-01-01

    In this article, we consider wildfire risk management decisions using a dynamic stochastic model of homeowner interaction in a setting where spatial externalities arise. Our central objective is to apply observations from the social science literature about homeowner preferences to this economic externality problem and determine how assumptions about insurance,...

  2. 77 FR 26251 - Proposed Information Collection; Comment Request; Quarterly Survey of Insurance Transactions by U...

    2012-05-03

    ... Branch, Balance of Payments Division, (BE-50), Bureau of Economic Analysis, U.S. Department of Commerce....S. insurance companies that fall below the reporting threshold for the quarterly survey but reported... Control Number: 0608-0066. Form Number: BE-45. Type of Review: Regular submission (extension of a...

  3. Risk, information and insurance essays in the memory of Karl H. Borch

    1991-01-01

    Orio Giarini The "Geneva Association" (International Association for the Study of Risk and Insurance Economics) was founded in 1973. The main goal was to stimulate and organize objective research in the field of risk, uncertainty, and insurance, in a world in which such issues were clearly becoming of greater and greater relevance for all economic actors. This was a pioneer­ ing effort, especially as economic theory and the teaching of economics were still anchored to the key notion of general equilibrium under an assumption of certainty. Thus, we had to start our work almost from scratch. One of the first initiatives was to bring together in Geneva, in June of 1973, all the academics in Europe already involved in risk and insurance economics. We found eight from five different countries who never had met before. This seminar chaired by Raymond Barre, the first president of The Geneva Association, was the first of an annual series that became known as the seminar of "The European Group of Risk and Insurance ...

  4. CAREER AND WORK RELATIONS IN THE INFORMATION TECHNOLOGY SERVICE INDUSTRY: THE PERSPECTIVES OF IT PROFESSIONALS AND THEIR MANAGERS

    Valter Moreno

    2010-01-01

    Full Text Available This study investigates work relations and career perspectives of IT professionals in the information technology service industry. The research is based on the case of executives, managers and technical professionals which work in a large Brazilian company that provides consulting and systems development and implementation services, and reveals a considerable vulnerability in the relationship between the company and such professionals. The human resources business model adopted seems to impose restrictions to the development of the professionals, consequently limiting their future performance, and concurring for the continuing devaluation of IT as a profession. The sustainability of such a model is discussed, given its long term risks for the companies’ service quality and competitiveness, as well as its implications for the attractiveness of Information Technology as a career.

  5. Understanding Insurance Salesperson Internet Information Management Intentions: A Test of Competing Models

    Kevin Celuch; Steven A. Taylor; Stephen Goodwin

    2004-01-01

    The present research compares two attitudinal models adapted from the Theory of Reasoned Action (TORA), which includes attitude and subjective norm components, and the Theory of Planned Behavior (TOPB), which includes TORA facets and also examines a decomposed perceived behavioral control construct that consists of self-efficacy and perceived control. Data from over 700 salespersons of a medium sized, national insurance/financial services company are used to explore the models using structura...

  6. SUSTAINING OCCUPATIONAL INFORMATION FOR CAREER CHOICE AND DEVELOPMENT IN STUDENTS OF TECHNICAL COLLEGES IN ENUGU STATE, NIGERIA

    Moses Ikebe Odo

    2015-01-01

    This study takes on the issue of sustaining occupational information for career choice and development in students of technical colleges in Enugu State, Nigeria. The method adopted for this study was the survey design and the population included were all final year students of the three government technical colleges in Enugu State of Nigeria. The technical colleges were sampled as follows: Government Technical College, Enugu (156 students); Government Technical College, Nsukka (148 students);...

  7. Adverse Selection in Community Based Health Insurance among Informal Workers in Bangladesh: An EQ-5D Assessment

    Sayem Ahmed

    2018-01-01

    Full Text Available Community-based Health Insurance (CBHI schemes are recommended for providing financial risk protection to low-income informal workers in Bangladesh. We assessed the problem of adverse selection in a pilot CBHI scheme in this context. In total, 1292 (646 insured and 646 uninsured respondents were surveyed using the Bengali version of the EuroQuol-5 dimensions (EQ-5D questionnaire for assessing their health status. The EQ-5D scores were estimated using available regional tariffs. Multiple logistic regression was applied for predicting the association between health status and CBHI scheme enrolment. A higher number of insured reported problems in mobility (7.3%; p = 0.002; self-care (7.1%; p = 0.000 and pain and discomfort (7.7%; p = 0.005 than uninsured. The average EQ-5D score was significantly lower among the insured (0.704 compared to the uninsured (0.749. The regression analysis showed that those who had a problem in mobility (m 1.25–2.17; self-care (OR = 2.29; 95% CI: 1.62–3.25 and pain and discomfort (OR = 1.43; 95% CI: 1.13–1.81 were more likely to join the scheme. Individuals with higher EQ-5D scores (OR = 0.46; 95% CI: 0.31–0.69 were less likely to enroll in the scheme. Given that adverse selection was evident in the pilot CBHI scheme, there should be consideration of this problem when planning scale-up of these kind of schemes.

  8. Examining the potential of information technology to improve public insurance application processes: enrollee assessments from a concurrent mixed method analysis.

    Mishra, Abhay Nath; Ketsche, Patricia; Marton, James; Snyder, Angela; McLaren, Susan

    2014-01-01

    To assess the perceived readiness of Medicaid and Children's Health Insurance Program (CHIP) enrollees to use information technologies (IT) in order to facilitate improvements in the application processes for these public insurance programs. We conducted a concurrent mixed method study of Medicaid and CHIP enrollees in a southern state. We conducted focus groups to identify enrollee concerns regarding the current application process and their IT proficiency. Additionally, we surveyed beneficiaries via telephone about their access to and use of the Internet, and willingness to adopt IT-enabled processes. 2013 households completed the survey. We used χ(2) analysis for comparisons across different groups of respondents. A majority of enrollees will embrace IT-enabled enrollment, but a small yet significant group continues to lack access to facilitating technologies. Moreover, a segment of beneficiaries in the two programs continues to place a high value on personal interactions with program caseworkers. IT holds the promise of improving efficiency and reducing barriers for enrollees, but state and federal agencies managing public insurance programs need to ensure access to traditional processes and make caseworkers available to those who require and value such assistance, even after implementing IT-enabled processes. The use of IT-enabled processes is essential for effectively managing eligibility and enrollment determinations for public programs and private plans offered through state or federally operated exchanges. However, state and federal officials should be cognizant of the technological readiness of recipients and provide offline help to ensure broad participation in the insurance market. Published by the BMJ Publishing Group Limited. For permission to use (where not already granted under a licence) please go to http://group.bmj.com/group/rights-licensing/permissions.

  9. Export insurance

    1981-01-01

    These notes are intended as a general guide for the use of members of the Canadian Nuclear Association who are, or may become, involved in supplying goods or services or contracting/ erecting as part of a contract to supply a nuclear facility to an overseas country. They give information to the type of insurances needed and available, the parties normally responsible for providing the coverages, the intent and operation of the various policies, general methods of charging premiums, and main exclusions

  10. Employment, Salary & Placement Information for Johnson County Community College Career Programs.

    Conklin, Karen A.

    More than forty-six career programs are offered at Johnson County Community College (JCCC) in Kansas, in such areas as Cosmetology, Dental Assistance, and Travel and Tourism. These programs specialize in the types of industries that are currently growing at high rates, such as computer-related occupations and special education teachers. This…

  11. Leadership Perceptions of Information Technology (IT) Employee Career Development: A Phenomenological Study

    Clayton, Timothy Michael

    2009-01-01

    The offshoring movement has had a profound effect on U.S. based IT employee career development and growth opportunities. This phenomenological study included an analysis of the central phenomenon through observations and lived experiences of 10 HR managers and 10 IT operational managers equally distributed between two U.S. based IT services…

  12. Retaining At-Risk Students: The Role of Career and Vocational Education. Information Series No. 335.

    Tindall, Lloyd W.

    This paper reviews the literature related to the role of career and vocational education in retaining at-risk secondary youth and motivating them to return to secondary or postsecondary school. Selected literature from nonvocational but related areas of service is reviewed to provide the reader with an overview of the scope of the problem and the…

  13. Using geographic information systems (GIS) to identify communities in need of health insurance outreach: An OCHIN practice-based research network (PBRN) report.

    Angier, Heather; Likumahuwa, Sonja; Finnegan, Sean; Vakarcs, Trisha; Nelson, Christine; Bazemore, Andrew; Carrozza, Mark; DeVoe, Jennifer E

    2014-01-01

    Our practice-based research network (PBRN) is conducting an outreach intervention to increase health insurance coverage for patients seen in the network. To assist with outreach site selection, we sought an understandable way to use electronic health record (EHR) data to locate uninsured patients. Health insurance information was displayed within a web-based mapping platform to demonstrate the feasibility of using geographic information systems (GIS) to visualize EHR data. This study used EHR data from 52 clinics in the OCHIN PBRN. We included cross-sectional coverage data for patients aged 0 to 64 years with at least 1 visit to a study clinic during 2011 (n = 228,284). Our PBRN was successful in using GIS to identify intervention sites. Through use of the maps, we found geographic variation in insurance rates of patients seeking care in OCHIN PBRN clinics. Insurance rates also varied by age: The percentage of adults without insurance ranged from 13.2% to 86.8%; rates of children lacking insurance ranged from 1.1% to 71.7%. GIS also showed some areas of households with median incomes that had low insurance rates. EHR data can be imported into a web-based GIS mapping tool to visualize patient information. Using EHR data, we were able to observe smaller areas than could be seen using only publicly available data. Using this information, we identified appropriate OCHIN PBRN clinics for dissemination of an EHR-based insurance outreach intervention. GIS could also be used by clinics to visualize other patient-level characteristics to target clinic outreach efforts or interventions. © Copyright 2014 by the American Board of Family Medicine.

  14. The Roles of Negative Career Thinking and Career Problem-Solving Self-Efficacy in Career Exploratory Behavior

    Bullock-Yowell, Emily; Katz, Sheba P.; Reardon, Robert C.; Peterson, Gary W.

    2012-01-01

    The respective roles of social cognitive career theory and cognitive information processing in career exploratory behavior were analyzed. A verified path model shows cognitive information processing theory's negative career thoughts inversely predict social cognitive career theory's career problem-solving self-efficacy, which predicts career…

  15. Willingness to pay for social health insurance among informal sector workers in Wuhan, China: a contingent valuation study

    Zhang Xinping

    2007-07-01

    Full Text Available Abstract Background Most of the about 140 million informal sector workers in urban China do not have health insurance. A 1998 central government policy leaves it to the discretion of municipal governments to offer informal sector workers in cities voluntary participation in a social health insurance for formal sector workers, the so-called 'basic health insurance' (BHI. Methods We used the contingent valuation method to assess the maximum willingness to pay (WTP for BHI among informal sector workers, including unregistered rural-to-urban migrants, in Wuhan City, China. We selected respondents in a two-stage self-weighted cluster sampling scheme. Results On average, informal sector workers were willing to pay substantial amounts for BHI (30 Renminbi (RMB, 95% confidence interval (CI 27-33 as well as substantial proportions of their incomes (4.6%, 95% CI 4.1-5.1%. Average WTP increased significantly when any one of the copayments of the BHI was removed in the valuation: to 51 RMB (95% CI 46-56 without reimbursement ceiling; to 43 RMB (95% CI 37-49 without deductible; and to 47 RMB (95% CI 40-54 without coinsurance. WTP was higher than estimates of the cost of BHI based on past health expenditure or on premium contributions of formal sector workers. Predicted coverage with BHI declined steeply with the premium contribution at low contribution levels. When we applied equity weighting in the aggregation of individual WTP values in order to adjust for inequity in the distribution of income, mean WTP for BHI increased with inequality aversion over a plausible range of the aversion parameter. Holding other factors constant in multiple regression analysis, for a 1% increase in income WTP for BHI with different copayments increased by 0.434-0.499% (all p Conclusion Our results suggest that Chinese municipal governments should allow informal sector workers to participate in the BHI. From a normative perspective, BHI for informal sector workers is likely to

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

    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.

  17. Informing Royal Navy People Strategy: Understanding Career Aspirations and Behaviours of Naval Personnel

    Bewley, Elizabeth Emma; Royal Navy (Great Britain); Ministry of Defence (Great Britain)

    2016-01-01

    Following a series of imposed redundancies in the Royal Navy (RN) there was a need to understand the career desires of remaining personnel and how these interact with important organisational behaviours and turnover. Taking a social psychology perspective, this thesis addresses criticisms over the high use of non-working populations in research and provides the first empirical evidence for the utility, applicability and relevance of specific psychological theories to the RN. Chapter 2 explore...

  18. Utilization of E-Counseling in Career Information Dissemination Among Undergraduates of Federal Universities in South East Nigeria

    Joachim Chinweike Omeje

    2016-06-01

    Full Text Available This descriptive survey study was designed to find out the utilization of e-counseling in career information dissemination among the undergraduates of the federal universities in South East Nigeria. Three research questions and three null hypotheses guided the study. The population of the study consisted of 36 guidance counselors and 64,997 undergraduates of the federal universities in South East Nigeria. The sample consisted of 1,036 participants. This is made up of all the 36 guidance counselors in the federal universities in South East Nigeria, and 1,000 undergraduates randomly selected from the various universities. In each university, 200 undergraduates made up of 100 males and 100 females were randomly selected using balloting by replacement. All the guidance counselors were used due to smallness in number. The instrument for data collection was the E-Counselling Career Information Dissemination Questionnaire (E-CCIDQ. The reliability of the instrument was established using Cronbach’s alpha statistical analysis, and reliability indices of .91, .85, and .84 were obtained for the three clusters. Data for the research questions were answered using percentage, mean, and standard deviation, while the null hypotheses were analyzed using t test statistics tested at the .05 level of significance. The research findings revealed that the universities in South East of Nigeria have e-counseling facilities and the students are very aware of e-counseling opportunities in the universities. Also, the counselors and undergraduates to a high extent utilize e-counseling in career information dissemination. Based on findings, discussions and some recommendations were made.

  19. Modeling Business Processes of the Social Insurance Fund in Information System Runa WFE

    Kataev, M. Yu; Bulysheva, L. A.; Xu, Li D.; Loseva, N. V.

    2016-08-01

    Introduction - Business processes are gradually becoming a tool that allows you at a new level to put employees or to make more efficient document management system. In these directions the main work, and presents the largest possible number of publications. However, business processes are still poorly implemented in public institutions, where it is very difficult to formalize the main existing processes. Us attempts to build a system of business processes for such state agencies as the Russian social insurance Fund (SIF), where virtually all of the processes, when different inputs have the same output: public service. The parameters of the state services (as a rule, time limits) are set by state laws and regulations. The article provides a brief overview of the FSS, the formulation of requirements to business processes, the justification of the choice of software for modeling business processes and create models of work in the system Runa WFE and optimization models one of the main business processes of the FSS. The result of the work of Runa WFE is an optimized model of the business process of FSS.

  20. Changes to the Employers' Use of Genetic Information and Non-discrimination for Health Insurance in the USA: Implications for Australians

    Gemma A. Bilkey

    2018-06-01

    Full Text Available In the USA, a bill has been introduced to the senate that may jeopardize an individual's rights to privacy and non-discrimination. This piece examines the proposed Preserving Employee Wellness Programs Act (PEWPA, and implications this will have on the use of genetic information. The Act allows for employers to apply financial penalties for health insurance based on genetic information, which raises concerns as the capacity to interpret genetic results is limited by knowledge of the significance of both benign and pathogenic variants. In Australia, genetic information can only be used to determine life insurance, not to stratify health insurance, and any precedent set internationally should raise concerns of the potential for change on the horizon.

  1. Social health insurance

    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.

  2. Can motivations for studying dentistry inform us about gender and BME differences in dental academic careers?

    Waylen, A; Barnes, O; Kenyon, P; Neville, P

    2017-01-13

    There are various motivators that prompt people to study dentistry but there is evidence that the salience of each varies according to gender and black and minority ethnic (BME) group. Given the current focus on inequality within the science, technology, engineering, medicine and mathematics (STEMM) academic disciplines where dentistry sits, it is important to understand the relevance of different motivators to different social groups if inequality is to be overcome. We carried out a survey of dental students from 11 out of the 18 dental schools in the UK to find out what prompted them to study dentistry. Our findings showed that most people make a personal choice to study dentistry and follow a patient-focused career while the prospect of an academic career was important for less than half of our sample. Differences according to gender and BME group were apparent but did not follow these trends. In order to continue to improve the diversity within dental academia dental schools should consider the different preferences of the workforce and work to broaden its potential.

  3. Career Education Instructional Guide.

    State Univ. of New York, Oswego. Coll. at Oswego. Dept. of Industrial Arts and Technology.

    The guide is designed primarily for industrial arts teachers at the middle school level who wish to integrate career education into their curricula. The lessons and activities attempt to establish a balance among career information, technical information, and hands-on experience. The guide contains six lesson plans which cover the topics: the…

  4. Banking, Technology Workers and Their Career Development.

    Armstrong, Lesley; West, Jim

    2001-01-01

    An Australian bank developed a four-stage career development strategy for information technology workers: (1) career coaching sessions with executives; (2) career coaching seminars for line managers and team leaders; (3) staff career planning workshops; and (4) online career development support. The program resulted in increased satisfaction,…

  5. 77 FR 18849 - Notice of Proposed Information Collection: Comment Request: Insurance Termination Request for...

    2012-03-28

    ... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5607-N-09] Notice of Proposed... Housing and Urban Development, 451 7th Street SW., Washington, DC 20410, Room 9120, or the number for the Federal Information Relay Service (1-800-877-8339). FOR FURTHER INFORMATION CONTACT: Marilyn M. Edge...

  6. 78 FR 75364 - 60-Day Notice of Proposed Information Collection: Application for FHA Insured Mortgages

    2013-12-11

    ... through TTY by calling the toll-free Federal Relay Service at (800) 877-8339. FOR FURTHER INFORMATION... through TTY by calling the toll-free Federal Relay Service at (800) 877-8339. Copies of available... techniques or other forms of information technology, e.g., permitting electronic submission of responses. HUD...

  7. CURRENT CHANGES ON INSURANCE MARKET

    Madalina Giorgiana MANGRA

    2016-12-01

    Full Text Available The offer of insurance products is about the requirements and needs of the consumer who must always have information regarding: the type of insurance risk covered and the excluded risks, the sum insured, the payment of premiums and their duration. The accurate information of customer requires, from the commencement of contract and throughout its duration, that he or she is aware of the obligations throughout the contractual period. Most of the Romanians are turning their attention to one of the insurance companies found in the top 10 in 2016, supervised by F.S.A. (Financial Supervision Authority, preferring to have a policy of mandatory household and goods insurance, auto liability or life insurance, but are also interested in travel health insurance when going abroad, private health insurance or private pension insurance. Romanians' reluctance regarding the conclusion of an insurance comes from their distrust in insurance companies (see the situations of companies like Astra Insurance, Carpatica Insurance etc., their personal financial situation and the fear that they will not receive protection if the risk is covered but the insured sum is insufficient

  8. Professional liability insurance in Obstetrics and Gynaecology: estimate of the level of knowledge about malpractice insurance policies and definition of an informative tool for the management of the professional activity

    Scurria Serena

    2011-12-01

    Full Text Available Abstract Background In recent years, due to the increasingly hostile environment in the medical malpractice field and related lawsuits in Italy, physicians began informing themselves regarding their comprehensive medical malpractice coverage. Methods In order to estimate the level of knowledge of medical professionals on liability insurance coverage for healthcare malpractice, a sample of 60 hospital health professionals of the obstetrics and gynaecology area of Messina (Sicily, Italy were recluted. A survey was administered to evaluate their knowledge as to the meaning of professional liability insurance coverage but above all on the most frequent policy forms ("loss occurrence", "claims made" and "I-II risk". Professionals were classified according to age and professional title and descriptive statistics were calculated for all the professional groups and answers. Results Most of the surveyed professionals were unaware or had very bad knowledge of the professional liability insurance coverage negotiated by the general manager, so most of the personnel believed it useful to subscribe individual "private" policies. Several subjects declared they were aware of the possibility of obtaining an extended coverage for gross negligence and substantially all the surveyed had never seen the loss occurrence and claims made form of the policy. Moreover, the sample was practically unaware of the related issues about insurance coverage for damages related to breaches on informed consent. The results revealed the relative lack of knowledge--among the operators in the field of obstetrics and gynaecology--of the effective coverage provided by the policies signed by the hospital managers for damages in medical malpractice. The authors thus proposed a useful information tool to help professionals working in obstetrics and gynaecology regarding aspects of insurance coverage provided on the basis of Italian civil law. Conclusion Italy must introduce a compulsory

  9. Development of Quality Insurance Information System of the RSG-GAS

    Pranto Busono; Thantawi Nurhapy; Rofei, A.; Rohadi; Warsono; Endang Karmana

    2004-01-01

    To support operation of the RSG-GAS reactor safety, trade on high utilizable, an information system is needed which is easy to accessed, complete and information maintained. For above necessity, data base system for procedure in UJM using MS Access program has been made. MS Access has fields: title, identification number, revision, division, target of and procedure situation. System data base has been test drive successfully properly. It is easy to be accessed the needed information of RSG-GAS with data base system available. (author)

  10. Health Insurance

    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 ...

  11. Public Policies for Career Development. Case Studies And Emerging Issues For Designing Career Information And Guidance Systems In Developing And Transition Economies

    Watts, A. G.; Fretwell, David H.

    2004-01-01

    The following pages summarize the findings of seven case-studies of public policy in career guidance carried out in Chile, the Philippines, Poland, Romania, Russia, South Africa and Turkey. The objectives of this World Bank study were: to identify and describe the distinctive issues faced by developing and transition economies in forming effective…

  12. Probabilistic Insurance

    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

  13. Probabilistic Insurance

    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

  14. 78 FR 12623 - Insurer Reporting Requirements

    2013-02-25

    ... NHTSA's regulation requiring motor vehicle insurers to submit information on the number of thefts and recoveries of insured vehicles and actions taken by the insurer to deter or reduce motor vehicle theft. NHTSA..., which requires insurers to submit information about the make, model, and year of all vehicle thefts, the...

  15. Insurance - Piper Alpha ''et al''

    Hales, K.

    1995-01-01

    This paper opens with some brief information about the Piper Alpha loss, how the loss was handled and its final cost. More importantly, it discusses the effect of the Piper Alpha loss on the world insurance market including the oil insurance captives such as O.I.L Limited. Finally, the insurance market current status and prognosis for the future are considered. (Author)

  16. 78 FR 67385 - 60-Day Notice of Proposed Information Collection: Application for Mortgage Insurance for...

    2013-11-12

    ... access this number through TTY by calling the toll-free Federal Relay Service at (800) 877-8339. FOR...-free Federal Relay Service at (800) 877-8339. Copies of available documents submitted to OMB may be... forms of information technology, e.g., permitting electronic submission of responses. HUD encourages...

  17. 17 CFR 210.12-18 - Supplemental information (for property-casualty insurance underwriters).

    2010-04-01

    ... consolidated financial statements. 2 Present combined or consolidated amounts, as appropriate for each category... SECURITIES AND EXCHANGE COMMISSION FORM AND CONTENT OF AND REQUIREMENTS FOR FINANCIAL STATEMENTS, SECURITIES... 1 Information included in audited financial statements, including other schedules, need not be...

  18. 77 FR 54927 - Comment Request for Information Collection for Unemployment Insurance (UI) Benefit Accuracy...

    2012-09-06

    ... is not a toll-free number). Individuals with hearing or speech impairments may access the telephone number above via TTY by calling the toll-free Federal Information Relay Service at 1-877-889-5627 (TTY... able to estimate reliably the number and dollar value of proper and improper payments; the number of...

  19. Use of qualitative methods and user-centered design to develop customized health information technology tools within federally qualified health centers to keep children insured.

    DeVoe, Jennifer; Angier, Heather; Likumahuwa, Sonja; Hall, Jennifer; Nelson, Christine; Dickerson, Kay; Keller, Sara; Burdick, Tim; Cohen, Deborah

    2014-01-01

    Lack of health insurance negatively impacts children's health. Despite federal initiatives to expand children's coverage and accelerate state outreach efforts, millions of US children remain uninsured or experience frequent gaps in coverage. Most current efforts to enroll and retain eligible children in public insurance programs take place outside of the health care system. This study is a partnership between patients' families, medical informaticists, federally qualified health center (FQHC) staff, and researchers to build and test information technology tools to help FQHCs reach uninsured children and those at risk for losing coverage.

  20. The Role of Information Systems and Technology in Case Management: a case study in health and welfare insurance

    Helen Richardson

    2003-05-01

    Full Text Available This study reports the role of information system and technology (IST in supporting case management at the Accident Compensation Corporation (ACC of New Zealand. Case management is a managerial approach that seeks to gain improved business performance by enhancing both employee and customer satisfaction. Despite millions of dollars spent annually by health, social, and insurance agencies in automating case management, little research has been conducted into the role of IST in this practice. The findings of this study show that for ACC, IST’s most valuable role is enhancing the relationship between client and case manager rather than replacing it for, even after the addition of IST, the most valuable knowledge continues to accrue from the face to face interaction of client and case manager. The findings also show two distinct phases to the development of case managers as knowledge workers. The first phase focuses on control of the processes and the second on the delivery and sharing of information resources.

  1. Marketing in life insurance

    Njegomir Vladimir

    2006-01-01

    Full Text Available Insurance industry has traditionally been oriented on sale of its products i.e. at the stage which from the aspect of marketing theory can be characterized as sales phase, phase which proceeds the marketing orientation. However, faced with numerous challenges of modern business environment such as globalization, deregulation and sophisticated information technology insurance companies must change their way of doing business. Competition is becoming fierce as insurance companies are faced with competition not only from insurance industry but also from other competitors, such as banks, that are in position to offer product substitutes for life insurance products. In this new environment information about customers and their education are becoming critical factors. Insurance companies must know their customers what influences their demand for life insurance, what is the amount of their income, what is inflation rate, their expenditures on other goods i.e. opportunity costs, etc. Those are factors that force insurance companies to concentrate more on present and potential buyers and their needs and force them to give their best to satisfy those needs in a way that will produce delighted customers.

  2. Willingness-to-Pay for Community-Based Health Insurance among Informal Workers in Urban Bangladesh.

    Ahmed, Sayem; Hoque, Mohammad Enamul; Sarker, Abdur Razzaque; Sultana, Marufa; Islam, Ziaul; Gazi, Rukhsana; Khan, Jahangir A M

    2016-01-01

    Reliance on out-of-pocket payment for healthcare may lead poor households to undertake catastrophic health expenditure, and risk-pooling mechanisms have been recommended to mitigate such burdens for households in Bangladesh. About 88% of the population of Bangladesh depends on work in the informal sector. We aimed to estimate willingness-to-pay (WTP) for CBHI and identify its determinants among three categories of urban informal workers rickshaw-pullers, shopkeepers and restaurant workers. The bidding game version of contingent valuation method was used to estimate weekly WTP. In three urban locations 557 workers were interviewed using a structured questionnaire during 2010 and 2011. Multiple-regression analysis was used to predict WTP by demographic and household characteristics, occupation, education level and past illness. WTP for a CBHI scheme was expressed by 86.7% of informal workers. Weekly average WTP was 22.8 BDT [Bangladeshi Taka; 95% confidence interval (CI) 20.9-24.8] or 0.32 USD and varied significantly across occupational groups (p = 0.000) and locations (p = 0.003). WTP was highest among rickshaw-pullers (28.2 BDT or 0.40 USD; 95% CI: 24.7-31.7), followed by restaurant workers (20.4 BDT 0.29 USD; 95% CI: 17.0-23.8) and shopkeepers (19.2 BDT or 0.27 USD; 95% CI: 16.1-22.4). Multiple regression analysis identified monthly income, occupation, geographical location and educational level as the key determinants of WTP. WTP increased 0.196% with each 1% increase in monthly income, and was 26.9% lower among workers with up to a primary level of education versus those with higher than primary, but less than one year of education. Informal workers in urban areas thus are willing to pay for CBHI and socioeconomic differences explain the magnitude of WTP. The policy maker might think introducing community-based model including public-community partnership model for healthcare financing of informal workers. Decision making regarding the implementation of such

  3. Willingness-to-Pay for Community-Based Health Insurance among Informal Workers in Urban Bangladesh

    Ahmed, Sayem; Hoque, Mohammad Enamul; Sarker, Abdur Razzaque; Sultana, Marufa; Islam, Ziaul; Gazi, Rukhsana; Khan, Jahangir A. M.

    2016-01-01

    Introduction Reliance on out-of-pocket payment for healthcare may lead poor households to undertake catastrophic health expenditure, and risk-pooling mechanisms have been recommended to mitigate such burdens for households in Bangladesh. About 88% of the population of Bangladesh depends on work in the informal sector. We aimed to estimate willingness-to-pay (WTP) for CBHI and identify its determinants among three categories of urban informal workers rickshaw-pullers, shopkeepers and restaurant workers. Methods The bidding game version of contingent valuation method was used to estimate weekly WTP. In three urban locations 557 workers were interviewed using a structured questionnaire during 2010 and 2011. Multiple-regression analysis was used to predict WTP by demographic and household characteristics, occupation, education level and past illness. Results WTP for a CBHI scheme was expressed by 86.7% of informal workers. Weekly average WTP was 22.8 BDT [Bangladeshi Taka; 95% confidence interval (CI) 20.9–24.8] or 0.32 USD and varied significantly across occupational groups (p = 0.000) and locations (p = 0.003). WTP was highest among rickshaw-pullers (28.2 BDT or 0.40 USD; 95% CI: 24.7–31.7), followed by restaurant workers (20.4 BDT 0.29 USD; 95% CI: 17.0–23.8) and shopkeepers (19.2 BDT or 0.27 USD; 95% CI: 16.1–22.4). Multiple regression analysis identified monthly income, occupation, geographical location and educational level as the key determinants of WTP. WTP increased 0.196% with each 1% increase in monthly income, and was 26.9% lower among workers with up to a primary level of education versus those with higher than primary, but less than one year of education. Conclusion Informal workers in urban areas thus are willing to pay for CBHI and socioeconomic differences explain the magnitude of WTP. The policy maker might think introducing community-based model including public-community partnership model for healthcare financing of informal workers

  4. Orientations in adolescent use of information and communication technology: a digital divide by sociodemographic background, educational career, and health.

    Koivusilta, Leena K; Lintonen, Tomi P; Rimpelä, Arja H

    2007-01-01

    The role of information and communication technology (ICT) in adolescents' lives was studied, with emphasis on whether there exists a digital divide based on sociodemographic background, educational career, and health. The assumption was that some groups of adolescents use ICT more so that their information utilization skills improve (computer use), while others use it primarily for entertainment (digital gaming, contacting friends by mobile phone). Data were collected by mailed survey from a nationally representative sample of 12- to 18-year-olds (n=7,292; response 70%) in 2001 and analysed using ANOVA. Computer use was most frequent among adolescents whose fathers had higher education or socioeconomic status, who came from nuclear families, and who continued studies after compulsory education. Digital gaming was associated with poor school achievement and attending vocational rather than upper secondary school. Mobile phone use was frequent among adolescents whose fathers had lower education or socioeconomic status, who came from non-nuclear families, and whose educational prospects were poor. Intensive use of each ICT form, especially of mobile phones, was associated with health problems. High social position, nuclear family, and a successful educational career signified good health in general, independently of the diverse usage of ICT. There exists a digital divide among adolescents: orientation to computer use is more common in educated well-off families while digital gaming and mobile phone use accumulate at the opposite end of the spectrum. Poorest health was reported by mobile phone users. High social background and success at school signify better health, independently of the ways of using ICT.

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

    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…

  6. Career adaptability and career entrenchment

    Zacher, Hannes; Ambiel, Rodolfo A.M.; Noronha, Ana Paula Porto

    2015-01-01

    Career adaptability constitutes a resource that can help employees to effectively manage career changes and challenges. The goal of this study was to investigate the relationship between the two higher-order constructs of career adaptability and career entrenchment (i.e., the perceived inability

  7. The availability of public information for insurance risk decision-making in the UK

    Davis, Nigel; Gibbs, Mark; Chadwick, Ben; Foote, Matthew

    2010-05-01

    At present, there is a wealth of hazard and exposure data which cannot or is not being full used by risk modelling community. The reasons for this under-utilisation of data are many: restrictive and complex data policies and pricing, risks involved in information sharing, technological shortcomings, and variable resolution of data, particularly with catastrophe models only recently having been adjusted to consume high-resolution exposure data. There is therefore an urgent need for the development of common modelling practices and applications for climate and geo-hazard risk assessment, all of which would be highly relevant to public policy, disaster risk management and financial risk transfer communities. This paper will present a methodology to overcome these obstacles and to review the availability of hazard data at research institutions in a consistent format. Such a methodology would facilitate the collation of hazard and other auxiliary data, as well as present data within a geo-spatial framework suitable for public and commercial use. The methodology would also review the suitability of datasets and how these could be made more freely available in conjunction with other research institutions in order to present a consistent data standard. It is clear that an understanding of these different issues of data and data standards have significant ramifications when used in Natural Hazard Risk Assessment. Scrutinising the issue of data standards also allows the data to be evaluated and re-evaluated for its gaps, omissions, fitness, purpose, availability and precision. Not only would there be a quality check on data, but it would also help develop and fine-tune the tools used for decision-making and assessment of risk.

  8. Accounting Students’ Choice on Accounting Information Technology Careers (P.178-188)

    Nurul Hasanah Uswati Dewi

    2016-01-01

    The important role of accounting information systems professionals, motivate researchers to analyze further the interest of students to the profession in the field of accounting information systems. The aim of this study explores the factors that influence students to choose and do not choose a profession in the field of accounting information systems.This research was conducted using questionnaires. The population was undergraduate accounting students. Sample research was done randomly.This ...

  9. Informal learning of temporary agency workers in low-skill jobs: The role of self-profiling, career control, and job challenge

    Preenen, P.; Verbiest, S.; van Vianen, A.; van Wijk, E.

    2015-01-01

    Purpose: The purpose of this paper is to develop and investigate the idea that self-profiling and career control by temporary agency workers (TAWs) in low-skill jobs are positively related to informal learning and that this relationship is mediated by job challenge. Design/methodology/approach: An

  10. Informal learning of temporary agency workers in low-skill jobs : the role of self-profiling, career control and job challenge

    Preenen, P.T.Y.; Verbiest, S.; Vianen, A. van; Wijk, E. van

    2015-01-01

    Purpose. The purpose of this paper is to develop and investigate the idea that self-profiling and career control by temporary agency workers (TAWs) in low-skill jobs are positively related to informal learning and that this relationship is mediated by job challenge. Design/methodology/approach. An

  11. Nuclear insurance

    Anon.

    1992-01-01

    The yearbook contains among others the figures of the nuclear insurance line. According to these these the DKVG (German nuclear power plant insurance association) has 102 member insurance companies all registered in the Federal Republic of Germany. By using reinsurance capacities of the other pools at present property insurance amounts to 1.5 billion DM and liability insurance to 200 million DM. In 1991 the damage charges on account of DKV amounted to 3.1 (1990 : 4.3) million DM. From these 0.6 million DM are apportioned to payments and 2.5 million DM to reserves. One large damage would cost a maximum gross sum of 2.2 billion DM property and liability insurance; on account of DKVG 750 million DM. (orig./HSCH) [de

  12. Effects of information, education, and communication campaign on a community-based health insurance scheme in Burkina Faso.

    Cofie, Patience; De Allegri, Manuela; Kouyaté, Bocar; Sauerborn, Rainer

    2013-12-06

    The study analysed the effect of Information, Education, and Communication (IEC) campaign activities on the adoption of a community-based health insurance (CHI) scheme in Nouna, Burkina Faso. It also identified the factors that enhanced or limited the campaign's effectiveness. Complementary data collection approaches were used. A survey was conducted with 250 randomly selected household heads, followed by in-depth interviews with 22 purposively selected community leaders, group discussions with the project management team, and field observations. Bivariate analysis and multivariate logistic regression models were used to assess the association between household exposure to campaign and acquisition of knowledge as well as household exposure to campaign and enrolment. The IEC campaign had a positive effect on households' knowledge about the CHI and to a lesser extent on household enrolment in the scheme. The effectiveness of the IEC strategy was mainly influenced by: (1) frequent and consistent IEC messages from multiple media channels (mass and interpersonal channels), including the radio, a mobile information van, and CHI team, and (2) community heads' participation in the CHI scheme promotion. Education was the only significantly influential socio-demographic determinant of knowledge and enrolment among household heads. The relatively low effects of the IEC campaign on CHI enrolment are indicative of other important IEC mediating factors, which should be taken into account in future CHI campaign evaluation. The study concludes that an IEC campaign is crucial to improving the understanding of the CHI scheme concept, which is an enabler to enrolment, and should be integrated into scheme designs and evaluations.

  13. Effects of information, education, and communication campaign on a community-based health insurance scheme in Burkina Faso

    Patience Cofie

    2013-12-01

    Full Text Available Objective : The study analysed the effect of Information, Education, and Communication (IEC campaign activities on the adoption of a community-based health insurance (CHI scheme in Nouna, Burkina Faso. It also identified the factors that enhanced or limited the campaign's effectiveness. Design : Complementary data collection approaches were used. A survey was conducted with 250 randomly selected household heads, followed by in-depth interviews with 22 purposively selected community leaders, group discussions with the project management team, and field observations. Bivariate analysis and multivariate logistic regression models were used to assess the association between household exposure to campaign and acquisition of knowledge as well as household exposure to campaign and enrolment. Results : The IEC campaign had a positive effect on households’ knowledge about the CHI and to a lesser extent on household enrolment in the scheme. The effectiveness of the IEC strategy was mainly influenced by: 1 frequent and consistent IEC messages from multiple media channels (mass and interpersonal channels, including the radio, a mobile information van, and CHI team, and 2 community heads’ participation in the CHI scheme promotion. Education was the only significantly influential socio-demographic determinant of knowledge and enrolment among household heads. The relatively low effects of the IEC campaign on CHI enrolment are indicative of other important IEC mediating factors, which should be taken into account in future CHI campaign evaluation. Conclusion : The study concludes that an IEC campaign is crucial to improving the understanding of the CHI scheme concept, which is an enabler to enrolment, and should be integrated into scheme designs and evaluations.

  14. Probabilistic insurance

    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...

  15. Psychological career resources as predictors of working adults’ career anchors: An exploratory study

    Melinde Coetzee

    2009-07-01

    Full Text Available This study explored the relationship between the psychological career resources and career anchors of a sample of 2 997 working adults at predominantly managerial and supervisory levels in the service industry. The Psychological Career Resources Inventory and the Career Orientations Inventory were applied. Stepwise regression analyses indicated dimensions of psychological career resources as significant predictors of  participants’ career anchors. The findings add valuable new knowledge that can be used to inform organisational career development support practices as well as career counselling and guidance services concerned with promoting individuals’ employability and experiences of intrinsic career success.

  16. The Efficacy of Consulting Practicum in Enhancing Students' Readiness for Professional Career in Management Information Systems: An Empirical Analysis

    Akpan, Ikpe Justice

    2016-01-01

    Consulting practicum (CP) is a form of experiential learning technique to prepare students for professional careers. While CP has become a popular way to help students acquire the essential practical skills and experience to enhance career readiness and ensure a smooth transition from college to employment, there is a lack of empirical studies…

  17. Group life insurance

    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)

  18. Prevention in insurance markets

    Marie-Cécile FAGART; Bidénam KAMBIA-CHOPIN

    2006-01-01

    This paper considers a competitive insurance market under moral hazard and adverse selection, in which preventive efforts and self-protection costs are unobservable by insurance companies. Under reasonable assumptions, the conclusions of Rothschild and Stiglitz (1976) are preserved in our context even if it involves moral hazard. The riskier agents in equilibrium, who would also be the riskier agents under perfect information, receive their moral hazard contract. For other agents, adverse sel...

  19. School Insurance.

    1964

    The importance of insurance in the school budget is the theme of this comprehensive bulletin on the practices and policies for Texas school districts. Also considered is the development of desirable school board policies in purchasing insurance and operating the program. Areas of discussion are: risks to be covered, amount of coverage, values,…

  20. Forest insurance

    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...

  1. 75 FR 47566 - Office of Vocational and Adult Education; Overview Information; Promoting Rigorous Career and...

    2010-08-06

    ... DEPARTMENT OF EDUCATION Office of Vocational and Adult Education; Overview Information; Promoting... Preference Priority: For FY 2010, this priority is a competitive preference priority. Under 34 CFR 75.105(c... meets this priority. This priority is: Commitment to the Project The Assistant Secretary for Vocational...

  2. The African American Male Librarian: Motivational Factors in Choosing a Career in Library and Information Science

    Davis-Kendrick, Kaetrena D.

    2009-01-01

    A recent American Library Association (ALA) report has shown that less than 1% of credentialed librarians are African American males. This article discusses possible reasons for this dearth; and, in an effort to inform future LIS recruiting and marketing campaigns, the included study attempted to discover which factors lead African American males…

  3. Career success in a boundaryless career world

    Arthur, Michael B.; Khapova, S.N.; Wilderom, Celeste P.M.

    2005-01-01

    This paper compares contemporary career theory with the theory applied in recent career success research. The research makes inconsistent use of career theory, and in particular neglects the interdependence of the objective and subjective careers, and boundaryless career issues of

  4. Utah Delivers Opportunities for Career Exploration

    Dobson, Kristine; Fischio, Shannon

    2006-01-01

    Providing information and resources to support career exploration is key to the mission of career and technical education (CTE) in Utah. Utah CTE has responded in a variety of ways to meet the career exploration needs of students of all ages. This article discusses how the career and technical education in Utah delivers opportunities for career…

  5. Harnessing health information to foster disadvantaged teens' community engagement, leadership skills, and career plans: a qualitative evaluation of the Teen Health Leadership Program.

    Keselman, Alla; Ahmed, Einas A; Williamson, Deborah C; Kelly, Janice E; Dutcher, Gale A

    2015-04-01

    This paper describes a qualitative evaluation of a small-scale program aiming to improve health information literacy, leadership skills, and interest in health careers among high school students in a low-income, primarily minority community. Graduates participated in semi-structured interviews, transcripts of which were coded with a combination of objectives-driven and data-driven categories. The program had a positive impact on the participants' health information competency, leadership skills, academic orientation, and interest in health careers. Program enablers included a supportive network of adults, novel experiences, and strong mentorship. The study suggests that health information can provide a powerful context for enabling disadvantaged students' community engagement and academic success.

  6. Health Careers Planning Guide--Illinois. Second Edition.

    Illinois Univ., Champaign.

    This notebook of career counseling materials is a compilation of career information on nursing and the allied health fields. The first section provides general information useful in choosing a health career on such topics as career planning, career mobility, employment prospects, financial aid, terminology in health job titles, and an annotated…

  7. INSURANCE INTERMEDIARIES

    Andreea Stoican

    2013-11-01

    Full Text Available The actual Civil code regulates for the first time in the Romanian legislation the intermediation contract, until its entering into force existing multiple situations that lent themselves to this legal operation, but did not benefit of such particular legal rules. Yet, the case law has shown that the situations that arise in the activity of the legal or natural persons are much more complex, this leading, in time, to the reglementation of such particular rules. Such a case is that found in the matter of insurance contracts, the position of the insurance intermediaries being regulated especially by Law no. 32/2000, according to which they represent the natural or legal persons authorized in the conditions of the above mentioned legal document, that perform intermediation activities in the insurance field, in exchange of a remuneration, as well as the intermediaries from the EU member states that perform such an activity on the Romanian territory, in accordance with the freedom in performing services. Therefore, the present paper aims to analyze the conclusion of such insurance contracts and to underline the particular position of the insurance brokers, having the following structure: 1 Introduction; 2 The reglementation of the intermediation contract/brokerage agreement in the Romanian Law; 3 The importance of the intermediaries in the insurance contracts; 4 The conclusion of the insurance contracts; 5 Conclusions.

  8. The Influences of Health Insurance and Access to Information on Prostate Cancer Screening among Men in Dominican Republic

    Kangmennaang, J.; Luginaah, I.

    2016-01-01

    Although research demonstrates the public health burden of prostate cancer among men in the Caribbean, relatively little is known about the factors that underlie the low levels of testing for the disease among this population. Study Design. A cross-sectional study of prostate cancer testing behaviours among men aged 40-60 years in Dominican Republic using the Demographic and Health Survey (2013). Methods. We use hierarchical binary logit regression models and average treatment effects combined with propensity score matching to explore the determinants of prostate screening as well as the average effect of health insurance coverage on screening. The use of hierarchical binary logit regression enabled us to control for the effect of unobserved heterogeneity at the cluster level that may affect prostate cancer testing behaviours. Results. Screening varied significantly with health insurance coverage, knowledge of cholesterol level, education, and wealth. Insured men were more likely to test for prostate cancer (OR=1.65, P=0.01) compared to the uninsured. Conclusions. The expansion and restructuring of Dominican Republic universal health insurance scheme to ensure equity in access may improve health access that would potentially impact positively on prostate cancer screening among men.

  9. Beyond bureaucracy and entrepreneurialism:examining the multiple discursive codes informing the work, careers and subjectivities of management graduates

    Loacker, Bernadette Isabel; Sliwa, Martyna

    2016-01-01

    This paper examines how discursive codes and demands associated with ‘bureaucratic and entrepreneurial regimes’ of work and career organization shape the work, careers and subjectivities of management graduates. The study is based on an analysis of 30 narratives of management professionals who graduated from an Austrian business school in the early 1970s or 2000s. Its insights suggest that variegated discursive codes manifest in the graduates’ articulated professional practices and subjectivi...

  10. Insurance dictionary

    Mueller-Lutz, H.L.

    1984-01-01

    Special technical terms used in the world of insurance can hardly be found in general dictionaries. This is a gap which the 'Insurance dictionary' now presented is designed to fill. In view of its supplementary function, the number of terms covered is limited to 1200. To make this dictionary especially convenient for ready reference, only the most commonly used translations are given for each key word in any of the four languages. This dictionary is subdivided into four parts, each containing the translation of the selected terms in the three other languages. To further facilitate the use of the booklet, paper of different colours was used for the printing of the German, English, French and Greek sections. The present volume was developed from a Swedish insurance dictionary (Fickordbok Foersaekring), published in 1967, which - with Swedish as the key language- offers English, French and German translations of the basic insurance terms. (orig./HP) [de

  11. 76 FR 20298 - Insurer Reporting Requirements; List of Insurers; Required To File Reports

    2011-04-12

    ... vehicle insurers that are required to file reports on their motor vehicle theft loss experiences. An... the agency. Each insurer's report includes information about thefts and recoveries of motor vehicles... more vehicles not covered by theft insurance policies issued by insurers of motor vehicles, other than...

  12. 76 FR 41138 - Insurer Reporting Requirements; List of Insurers Required To File Reports

    2011-07-13

    ... passenger motor vehicle insurers that are required to file reports on their motor vehicle theft loss... information about thefts and recoveries of motor vehicles, the rating rules used by the insurer to establish... companies with a fleet of 20 or more vehicles not covered by theft insurance policies issued by insurers of...

  13. 75 FR 34966 - Insurer Reporting Requirements; List of Insurers Required To File Reports

    2010-06-21

    ... vehicle insurers that are required to file reports on their motor vehicle theft loss experiences. An... the agency. Each insurer's report includes information about thefts and recoveries of motor vehicles... vehicles not covered by theft insurance policies issued by insurers of motor vehicles, other than any...

  14. WORK- LIFE BALANCE AND WORK- LIFE CONFLICT ON CAREER ADVANCEMENT OF WOMEN PROFESSIONALS IN INFORMATION AND COMMUNICATION TECHNOLOGY SECTOR, BENGALURU, INDIA

    Munwari Padmanabhan; S. Sampath Kumar

    2016-01-01

    The dynamics of socio-economic, personal and career advancement aspects were analysed from 75 information and communication technology (ICT) women professionals, from 7 various ICT organisations from Bengaluru, India. ICT industry continues to be the largest private sector employer in India for women in that 800,000 women currently working in this sector account for over 30 per cent of the existing hires and this figure is all set to rise in the future. The characteristics of the ICT industry...

  15. Consumer in insurance law

    Čorkalo Milena

    2016-01-01

    Full Text Available The paper analyses the notion of consumer in the European Union law, and, in particular, the notion of consumer in insurance law. The author highligts the differences between the notion of consumer is in aquis communautaire and in insurance law, discussing whether the consumer can be defined in both field in the same way, concerning that insurance services differ a lot from other kind of services. Having regarded unequal position of contracting parties and information and technical disadvantages of a weaker party, author pleads for broad definition of consumer in insurance law. In Serbian law, the consumer is not defined in consistent way. That applies on Serbian insurance law as well. Therefore, the necessity of precise and broad definition of consumes is underlined, in order to delimit the circle of subject who are in need for protection. The author holds that the issue of determination of the circle of persons entitled to extended protection as consumers is of vital importance for further development of insurance market in Serbia.

  16. Insurance payment process for HANDI 2000 business management system

    Wilson, D.

    1998-08-24

    The Pensions and Savings group handles three types of payment into and out of Fluor Daniel Hanford related to insurance benefits: Premium payment to insurance company; Application of employee insurance withholding against insurance costs; Remittance of insurance claims, and administrative fees. General approach in making and recording the remittance is by forwarding payment information to Accounts Payable Master.

  17. Health Insurance Marketplace Public Use Files

    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...

  18. Career Transitions and Career Success in the "New" Career Era

    Chudzikowski, Katharina

    2012-01-01

    The "new" career, most notably the boundaryless career, is associated with high career mobility, which is in turn associated with employability and career success of individuals. The current study examined how frequency, form (organisational, horizontal or vertical) and impact (objective career success) of career transitions have changed…

  19. Nuclear insurance

    Anon.

    1993-01-01

    The German Nuclear Power Plant Insurance (DKVG) Association was able to increase its net capacity in property insurance to 637 million marks in 1993 (1992: 589 million). The reinsurance capacity of the other pools included, the total amount covered now amounts to 2 billion marks in property incurance and 200 million marks in liability incurance. As in the year before the pool can reckon with a stable gross premium yield around 175 million marks. The revival of the US dollar has played a decisive role in this development. In 1993 in the domestic market, the DKVG offered policies for 22 types of property risk and 43 types to third-party risk, operating with a gross target premium of 65 million marks and 16 million marks, respectively. The DKVG also participated in 540 foreign insurance contracts. (orig./HSCH) [de

  20. Inflation Insurance

    Zvi Bodie

    1989-01-01

    A contract to insure $1 against inflation is equivalent to a European call option on the consumer price index. When there is no deductible this call option is equivalent to a forward contract on the CPI. Its price is the difference between the prices of a zero coupon real bond and a zero coupon nominal bond, both free of default risk. Provided that the risk-free real rate of interest is positive, the price of such an inflation insurance policy first rises and then falls with time to maturity....

  1. Career Resources

    Verification of Employment Life at the Lab Career Stories Dual Careers Inclusion & Diversity Work-Life ) Make yourself at home Life at the Lab Life at the Lab Inclusion & Diversity Inclusion & © & Cover Letter Tips Social Media Tips Learn More Watch Videos Employee Spotlight Student Successes

  2. Design participation as an insurance: risk-management and end-user participation in the development of information systems in healthcare organizations.

    Vimarlund, V; Timpka, T

    2002-01-01

    The aim of this paper is to build a theoretical framework for analysis of when decision-makers should use end-user participation as a form of insurance for unforeseen consequences of implementing information systems in healthcare organizations. Data were collected in a case study of an information system development project in a small clinical setting. During the initial phase, the future end-users of the system were allowed to actively influence the system design and test every new tool that was considered for implementation. The results of the case study suggest that when time and effort are invested in allowing healthcare staff to participate in information system development processes, the benefits can well exceed the costs throughout the life cycle of the project. Risk-averse decision-makers fearing negative secondary consequences of a HIS, with regard to clinical work flow, will always adopt measures to prevent future failures, if they can find a possibility of shifting these risks. Therefore, they calculate the present discounted value of the effects accrued over time to the unit and predict the amount of resources they are willing to pay to acquire on insurance (such as design participation) that will protect the organization from future losses. End-user participation in the design process can be the key positive influence on the quality of the service and, thereby, organizational effectiveness. Investments in broad design participation can, consequently, be a productive activity that transforms potential current income into future benefits.

  3. Examples Not Numbers: Using Historical Events To Present Regional Hazard Information And Stimulate Client Thinking In The Insurance Industry

    Pile, J.; Switzer, A.; Gouramanis, C.; Rush, B.; Reynolds, I.; Ryrie, S.; Soria, L.

    2013-12-01

    Coastal hazards, including tsunami and storm surges, periodically affect many of the world's coasts. Re-insurers and insurance companies use a variety of means to understand and quantify the recurrence interval and risk of such events. Such work is done with the primary aim of placing monetary values on the risk. This collective understanding is often gleaned from the available scientific literature and commonly makes use of maps to delineate areas of risk that assist in communicating risk with clients. In this study we approached the problem of producing an integrated map of coastal hazards (storm and tsunami) for much of southeast Asia (including the Bay of Bengal and northern Australia). Initial analysis showed that assessments based on the short, partial and, for the most part, fragmentary documented history of past events in southeast Asia, would deem almost every coast on the map at high risk of coastal hazards at the regional scale. Although this may be true to a certain extent it would be unjust and unscientific to label entire coastlines 'high risk' as clearly particular sites on any coast are more susceptible to coastal hazards at the local scale. This raises the question: What is the best way to communicate risk at a regional scale without broad generalisations? Our recent collaboration with a major re-insurer lead to the creation of a new form of map (poster) for their clientele using a case study approach aimed at getting clients to think about the details of historical events in the context of localised risk. Using the pedagogical premise of 'Concept, Example, Consequence', we highlight risk in a way that will hopefully stimulate thought among practitioners and provide an alternative to the broad generalizations found in many products in the marketplace. The envisaged outcome is to enhance communication of site-specific risk assessments between stakeholders and encourage a better understanding of localised and regional risk.

  4. Non-pollen palynomorphs: From unknown curiosities to informative fossils. Celebrating the scientific career of Bas van Geel

    Hooghiemstra, H.

    2012-01-01

    This paper is dedicated to the scientific career of Bas van Geel at the moment of his retirement from the University of Amsterdam. The development of the research line of non-pollen palynomorph analysis is compared with other developments in palaeoecology.

  5. Insurance: Covering the bases

    Burr, M.T.

    1992-01-01

    This article addresses steps to take to improve the economics and risk profiles for independent power projects. The topics discussed in the article include the results of competition in the power industry, custom packages and the lack of competition among insurers in the power industry, mitigating risk through providing technical information, and developing programs

  6. Lenore White Harmon: One Woman's Career Development.

    Fouad, Nadya A.

    1997-01-01

    Presents biographical information on Lenore White Harmon, noted professor, counselor, and researcher. In a question-and-answer section, Harmon describes her early career decisions, work history, research efforts, professional contributions, important influences and reflections on her career development. (KW)

  7. Exploring health insurance services in Sudan from the perspectives of insurers.

    Salim, Anas Mustafa Ahmed; Hamed, Fatima Hashim Mahmoud

    2018-01-01

    It has been 20 years since the introduction of health insurance in Sudan. This study was the first one that explored health insurance services in Sudan from the perspectives of the insurers. This was a qualitative, exploratory, interview study. The sampling frame was the list of Social Health Insurance and Private Health Insurance institutions in Sudan. Participants were selected from the four Social Health Insurance institutions and from five Private Health Insurance companies. The study was conducted in January and February 2017. In-depth individual interviews were conducted with a convenient sample of key executives from the different health insurers. Ideas and themes were identified and analysed using thematic analysis. The result showed that universal coverage was not achieved despite long time presence of Social Health Insurance and Private Health Insurance in Sudan. All participants described their services as comprehensive. All participants have good perception of the quality of the services they provide, although none of them investigated customer satisfaction. The main challenges facing Social Health Insurance are achieving universal coverage, ensuring sustainability and recruitment of the informal sector and self-employed population. Consumers' affordability of the premiums is the main obstacle for Private Health Insurance, while rising healthcare cost due to economic inflation is a challenge facing both Social Health Insurance and Private Health Insurance. In spite of the presence of Social Health Insurance and Private Health Insurance in Sudan, the country is still far from achieving universal coverage. Moreover, the sustainability of health insurance is questionable. The main reasons include low governmental financial resources and lack of affordability by beneficiaries especially for Private Health Insurance. This necessitates finding solutions to improve them or trying other types of health insurance. The quality of services provided by Social

  8. Group Life Insurance

    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 &...

  9. Crop insurance: Risks and models of insurance

    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.

  10. HEALTH INSURANCE

    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

  11. The impacts of smart cards on hospital information systems--an investigation of the first phase of the national health insurance smart card project in Taiwan.

    Liu, Chien-Tsai; Yang, Pei-Tun; Yeh, Yu-Ting; Wang, Bin-Long

    2006-02-01

    To investigate the impacts of the first phase of Taiwan's Bureau of National Health Insurance (TBNHI) smart card project on existing hospital information systems. TBNHI has launched a nationwide project for replacement of its paper-based health insurance cards by smart cards (or NHI-IC cards) since November 1999. The NHI-IC cards have been used since 1 July 2003, and they have fully replaced the paper-based cards since 1 January 2004. Hospitals must support the cards in order to provide medical services for insured patients. We made a comprehensive study of the current phase of the NHI-IC card system, and conducted a questionnaire survey (from 1 October to 30 November, 2003) to investigate the impacts of NHI-IC cards on the existing hospital information systems. A questionnaire was distributed by mail to 479 hospitals, including 23 medical centers, 71 regional hospitals, and 355 district hospitals. The returned questionnaires were also collected by prepaid mail. The questionnaire return rates of the medical centers, regional hospitals and district hospitals were 39.1, 29.6 and 20.9%, respectively. In phase 1 of the project, the average number of card readers purchased per medical center, regional hospital, and district hospital were 202, 45 and 10, respectively. The average person-days for the enhancement of existing information systems of a medical center, regional hospital and district hospital were 175, 74 and 58, respectively. Three months after using the NHI-IC cards most hospitals (60.6%) experienced prolonged service time for their patients due to more interruptions caused mainly by: (1) impairment of the NHI-IC cards (31.2%), (2) failure in authentication of the SAMs (17.0%), (3) malfunction in card readers (15.3%) and (4) problems with interfaces between the card readers and hospital information systems (15.8%). The overall hospital satisfaction on the 5-point Likert scale was 2.86. Although most hospitals were OK with the project, there was about 22

  12. HEALTH INSURANCE

    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...

  13. Women's career priority is associated with attitudes towards family planning and ethical acceptance of reproductive technologies.

    Simoni, Michael K; Mu, Lin; Collins, Stephen C

    2017-10-01

    Do women who place high importance on career success have different perceptions of pregnancy planning, delayed reproduction, and the ethical acceptability of ART than women with less emphasis on their career? Career-focused women place more importance on pregnancy planning, have greater confidence in delayed childbearing, and are more ethically accepting of donor gamete ART than women who do not place as much importance on career success. Women in high-professional careers are more likely to delay childbearing while simultaneously possessing a stronger desire for motherhood. The underlying values which enable these competing desires have not been elucidated. This cross-sectional study utilized data from the National Survey of Fertility Barriers (NSFB), a nationally representative telephone survey of US women aged 25-45. Funded by the Eunice Kennedy Shriver National Institute of Child Health and Human Development, the NSFB surveyed 4712 women from 2004 to 2007. In addition to demographic data, the NSFB obtained information about the reproductive history and personal values of participants. Weighted multivariate regression analysis was used to assess reproductive values in career-focused women. In total, 48.8% of women considered success in work very important, while 17.3% considered it somewhat or not important. Women who placed less value on career success were less likely to consider pregnancy planning important and were less optimistic about the success of delayed childbearing than their work-centric counterparts. Women less focused on their careers were also more likely to have serious ethical concerns about donor gametes, but less likely to have ethical concerns about IUI or IVF, when compared to career-focused women. Intention to bear children could not be evaluated in the setting of career intentions due to a lack of data on when the participant intended on pursuing motherhood. Political preferences on reproductive health were also not evaluated. The validity

  14. THE ROLE OF THE WORLD INSURANCE MARKET INFRASTRUCTURE

    Antonina Sholoiko

    2017-09-01

    Full Text Available The purpose is to define a role and significance of elements of the world insurance market infrastructure. Tasks of the study are the next: to consider the dynamics of development of the world insurance market from 2012 to 2016; to define groups of elements of the world insurance market infrastructure; to characterize elements of the world insurance market infrastructure. Methodology. These tasks are done because of using such methods as: grouping of elements of the world insurance market infrastructure; a collection of information about elements of the world insurance market infrastructure; generalization to define role and significance of elements of the world insurance market infrastructure. Results. World insurance premiums were increasing and decreasing from 2012 to 2016 and did not exceed 6.3% of Gross Domestic Product. Lots of factors influence global insurance premium volume as an indicator of the development of world insurance market. One of them is an activity of the elements of the world insurance market infrastructure. It is necessary to divide them into some groups: A International insurance associations (associations of organizations connected with insurance but members of such associations do not provide insurance services – International Association of Insurance Supervisors, International Association of Insurance Fraud Agencies, Global Federation of Insurance Associations, International Insurance Foundation; B International associations of insurers (includes associations of insurers and other organizations in a certain area of insurance – International Association of Deposit Insurers, International Union of Credit and Investment Insurers, International Association of Agricultural Production Insurers, International Group of P&I Clubs, International Union of Aerospace Insurers, International Union of Marine Insurance, International Association of Engineering Insurers; C International associations of insurance experts

  15. Community-based health insurance knowledge, concern, preferences, and financial planning for health care among informal sector workers in a health district of Douala, Cameroon.

    Noubiap, Jean Jacques N; Joko, Walburga Yvonne A; Obama, Joel Marie N; Bigna, Jean Joel R

    2013-01-01

    For the last two decades, promoted by many governments and international number in sub-Saharan Africa. In 2005 in Cameroon, there were only 60 Community-based health insurance (CBHI) schemes nationwide, covering less than 1% of the population. In 2006, the Cameroon government adopted a national strategy aimed at creating at least one CBHI scheme in each health district and covering at least 40% of the population with CBHI schemes by 2015. Unfortunately, there is almost no published data on the awareness and the implementation of CBHI schemes in Cameroon. Structured interviews were conducted in January 2010 with 160 informal sectors workers in the Bonassama health district (BHD) of Douala, aiming at evaluating their knowledge, concern and preferences on CBHI schemes and their financial plan to cover health costs. The awareness on the existence of CHBI schemes was poor awareness schemes among these informal workers. Awareness of CBHI schemes was significantly associated with a high level of education (p = 0.0001). Only 4.4% of respondents had health insurance, and specifically 1.2% were involved in a CBHI scheme. However, 128 (86.2%) respondents thought that belonging to a CBHI scheme could facilitate their access to adequate health care, and were thus willing to be involved in CBHI schemes. Our respondents would have preferred CBHI schemes run by missionaries to CBHI schemes run by the government or people of the same ethnic group (p). There is a very low participation in CBHI schemes among the informal sector workers of the BHD. This is mainly due to the lack of awareness and limited knowledge on the basic concepts of a CBHI by this target population. Solidarity based community associations to which the vast majority of this target population belong are prime areas for sensitization on CBHI schemes. Hence these associations could possibly federalize to create CBHI schemes.

  16. Exploring Dance Careers. A Student Guidebook.

    Cornell, Richard; Hansen, Mary Lewis

    One of six student guidebooks in a series of 11 arts and humanities career exploration guides for grade 7-12 teachers, counselors, and students, this student book on exploration of dance careers presents information on specific occupations in both performance careers and dance education. An introductory section describes the four different dance…

  17. Validating Common Measures of Self-Efficacy and Career Attitudes within Informal Health Education for Middle and High School Students.

    Peterman, Karen; Withy, Kelley; Boulay, Rachel

    2018-06-01

    A common challenge in the evaluation of K-12 science education is identifying valid scales that are an appropriate fit for both a student's age and the educational outcomes of interest. Though many new scales have been validated in recent years, there is much to learn about the appropriate educational contexts and audiences for these measures. This study investigated two such scales, the DEVISE Self-Efficacy for Science scale and the Career Interest Questionnaire (CIQ), within the context of two related health sciences projects. Consistent patterns were found in the reliability of each scale across three age groups (middle school, high school, early college) and within the context of each project. As expected, self-efficacy and career interest, as measured through these scales, were found to be correlated. The pattern of results for CIQ scores was also similar to that reported in other literature. This study provides examples of how practitioners can validate established measures for new and specific contexts and provides some evidence to support the use of the scales studied in health science education contexts.

  18. Perioperative careers.

    Wicker, Paul

    2012-05-01

    When I look back at how my career started, I think to myself, what if I had undertaken the BA in Business Studies which I had been accepted for, instead of the BSc in Nursing for which I was still waiting to hear the results of my interview? Well, probably I would have spent four years studying business, followed by 40 years sitting in an office somewhere; Tesco, Sainsbury's or Marks and Spencer probably. I was lucky though, my father phoned up every couple of weeks (I was only 17 and didn't really have a clue what I wanted to do) and eventually they said 'yes' and I started my nursing career. Perhaps this is the first bit of advice for anybody thinking of a career in health:

  19. 75 FR 54041 - Insurer Reporting Requirements; List of Insurers Required To File Reports

    2010-09-03

    .... Each insurer's report includes information about thefts and recoveries of motor vehicles, the rating... state and; (3) Rental and leasing companies with a fleet of 20 or more vehicles not covered by theft...) used for rental or lease whose vehicles are not covered by theft insurance policies issued by insurers...

  20. Human capital and career success

    Frederiksen, Anders; Kato, Takao

    capital formally through schooling for career success, as well as the gender gap in career success rates. Second, broadening the scope of human capital by experiencing various occupations (becoming a generalist) is found to be advantageous for career success. Third, initial human capital earned through......Denmark’s registry data provide accurate and complete career history data along with detailed personal characteristics (e.g., education, gender, work experience, tenure and others) for the population of Danish workers longitudinally. By using such data from 1992 to 2002, we provide rigorous...... formal schooling and subsequent human capital obtained informally on the job are found to be complements in the production of career success. Fourth, though there is a large body of the literature on the relationship between firm-specific human capital and wages, the relative value of firm-specific human...

  1. Career Builders

    Weinstein, Margery

    2012-01-01

    While a main goal for corporate trainers traditionally has been to train employees to reach organizational goals, many trainers may find their roles expanding. With companies cutting back on staffing and consolidating multiple job roles into single positions, career development has taken on a much larger significance. At forward-thinking…

  2. An International Discussion about Cross-Cultural Career Assessment

    Osborn, Debra S.

    2012-01-01

    Career assessments are a common resource used by career practitioners internationally to help inform individuals' career decision-making. Research on the topic of cross-cultural career assessment has been mostly limited to the applicability of an established inventory to a different culture. The purpose of this paper is to summarize the existing…

  3. Federal Deposit Insurance Corporation (FDIC) Insured Banks

    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...

  4. Inked Careers: Tattooing Professional Paths

    Gabriela DeLuca

    2016-12-01

    Full Text Available The concept of career has an interdisciplinary and historical constitution, which includes persons, groups, organizations and society. Given that, we aim to deepen the interactionist notion of career from the understanding of a deviant path, supported by a theory and a method appropriated to the cited call for interdisciplinary approaches. Dilemmas (Hughes, 1958 and conflicts (Hughes, 1937 emerged as important analytical categories. Although necessary, these two concepts were not sufficient to contemplate analyses in their entirety. For this reason we conceptualized a third possibility of controversy during a career: the inquiries. The study followed the Narrative method to analyze objective and subjective changes during a tattoo artist’s career through interviews and informal conversations carried out over 22 months. The discussion presents three main contributions. Theoretically, a new understanding of the concept of careers, linking past, present and future and the idea of non-linearity of experienced and envisioned careers. Methodologically, suggesting orientations for future career studies such as the use of turning points as a methodological tool and the investigation of deviant fields. Finally, our defense of the interactionist perspective as suitable for career studies, since it allows the investigation of deviant elements.

  5. Unemployment Insurance Query (UIQ)

    Social Security Administration — The Unemployment Insurance Query (UIQ) provides State Unemployment Insurance agencies real-time online access to SSA data. This includes SSN verification and Title...

  6. 75 FR 38526 - Office of Consumer Information and Insurance Oversight: Privacy Act of 1974; Report of a New...

    2010-07-02

    .... Office of Personnel Management, the U.S. Department of Agriculture's National Finance Center (NFC), and... birth, Social Security Number (SSN), gender, state of residence, information about prior coverage... residential address (if different than the mailing address), date of birth, Social Security Number (if the...

  7. Asymmetric Information and Adverse Selection in Insurance Markets: The Problem of Moral Hazard(Sigorta Piyasalarında Asimetrik Bilgi ve İstenmeyen Tercih: Etik Tehlike Problemi

    Meltem TUMAY

    2009-01-01

    Full Text Available The problem of asymmetric information occurs when one party of an economic transaction has insufficient knowledge about the other party to make accurate decisions. The moral hazard, on the other hand, is the risk that one party to a contract can change their behaviour to the detriment of the other party once the contract has been concluded. In insurance market the moral hazard is tendency by which people expend less effort protecting those goods which are insured against theft or damage.

  8. The Impact of Career Exploration on Career Development among Hong Kong Chinese University Students

    Cheung, Raysen; Arnold, John

    2014-01-01

    Career exploration is widely believed to produce positive career development outcomes among college and university students. Some research has supported this belief, but there is little information about exactly which outcomes it affects and whether any benefits of career exploration can be observed beyond individualistic western cultures. We…

  9. A difficult balancing act: policy actors' perspectives on using economic evaluation to inform health-care coverage decisions under the Universal Health Insurance Coverage scheme in Thailand.

    Teerawattananon, Yot; Russell, Steve

    2008-03-01

    In Thailand, policymakers have come under increasing pressure to use economic evaluation to inform health-care resource allocation decisions, especially after the introduction of the Universal Health Insurance Coverage (UC) scheme. This article presents qualitative findings from research that assessed a range of policymakers' perspectives on the acceptability of using economic evaluation for the development of health-care benefit packages in Thailand. The policy analysis examined their opinions about existing decision-making processes for including health interventions in the UC benefit package, their understanding of health economic evaluation, and their attitudes, acceptance, and values relating to the use of the method. Semistructured interviews were conducted with 36 policy actors who play a major role or have some input into health resource allocation decisions within the Thai health-care system. These included 14 senior policymakers at the national level, 5 hospital directors, 10 health professionals, and 7 academics. Policy actors thought that economic evaluation information was relevant for decision-making because of the increasing need for rationing and more transparent criteria for making UC coverage decisions. Nevertheless, they raised several difficulties with using economic evaluation that would pose barriers to its introduction, including distrust in the method, conflicting philosophical positions and priorities compared to that of "health maximization," organizational allegiances, existing decision-making procedures that would be hard to change, and concerns about political pressure and acceptability.

  10. The Impact of Career Boundarylessness on Subjective Career Success: The Role of Career Competencies, Career Autonomy, and Career Insecurity

    Colakoglu, Sidika N.

    2011-01-01

    Based on the theoretical frameworks of the career enactment and the stress perspectives, this study develops and tests a model in which career boundarylessness affects subjective career success through its effect on three career competencies--knowing-why, knowing-how, and knowing-whom--and career autonomy and career insecurity. The results…

  11. Information Seeking and Students Studying for Professional Careers: The Cases of Engineering and Law Students in Ireland

    Kerins, Gillian; Madden, Ronan; Fulton, Crystal

    2004-01-01

    This paper reports the results of two empirical studies which explored the information seeking behaviour of engineering and law students in Ireland. Findings reveal similar patterns in the information seeking behaviour between students studying to become professionals and information seeking patterns of these groups identified in the Leckie et al.…

  12. Career Cruiser: A Career and Education Planning Guide

    Florida Department of Education, 2015

    2015-01-01

    Life is a journey filled with many twists and turns. While the journey can be exciting, it is a good idea to know where you are going so you can decide how to get there. Career development is all about getting the knowledge and skills you need to make more informed career decisions. Right now is an excellent time to develop skills that will help…

  13. Information seeking and students studying for professional careers: the cases of engineering and law students in Ireland

    Gillian Kerins

    2004-01-01

    Full Text Available This paper reports the results of two empirical studies which explored the information seeking behaviour of engineering and law students in Ireland. Findings reveal similar patterns in the information seeking behaviour between students studying to become professionals and information seeking patterns of these groups identified in Leckie et al.'s model. Students learned their information seeking strategies, including effective and less effective approaches, from educators and continuing mis-perceptions of libraries and information professionals. The studies suggest that engineering and law students in Ireland could benefit from greater information literacy training and awareness, enabling them to acquire the information skills they need to function effectively and efficiently in their future professional work lives.

  14. Determinants of Coverage Decisions in Health Insurance Marketplaces: Consumers' Decision-Making Abilities and the Amount of Information in Their Choice Environment

    Barnes, Andrew J; Hanoch, Yaniv; Rice, Thomas

    2015-01-01

    Objective To investigate the determinants and quality of coverage decisions among uninsured choosing plans in a hypothetical health insurance marketplace. Study Setting Two samples of uninsured individuals: one from an Internet-based sample comprised largely of young, healthy, tech-savvy individuals (n = 276), and the other from low-income, rural Virginians (n = 161). Study Design We assessed whether health insurance comprehension, numeracy, choice consistency, and the number of plan choices were associated with participants' ability to choose a cost-minimizing plan, given their expected health care needs (defined as choosing a plan costing no more than $500 in excess of the total estimated annual costs of the cheapest plan available). Data Collection Primary data were collected using an online questionnaire. Principal Findings Uninsured who were more numerate showed higher health insurance comprehension; those with more health insurance comprehension made choices of health insurance plans more consistent with their stated preferences; and those who made choices more concordant with their stated preferences were less likely to choose a plan that cost more than $500 in excess of the cheapest plan available. Conclusions Increasing health insurance comprehension and designing exchanges to facilitate plan comparison will be critical to ensuring the success of health insurance marketplaces. PMID:24779769

  15. Information-seeking behavior during residency is associated with quality of theoretical learning, academic career achievements, and evidence-based medical practice: a strobe-compliant article.

    Oussalah, Abderrahim; Fournier, Jean-Paul; Guéant, Jean-Louis; Braun, Marc

    2015-02-01

    Data regarding knowledge acquisition during residency training are sparse. Predictors of theoretical learning quality, academic career achievements and evidence-based medical practice during residency are unknown. We performed a cross-sectional study on residents and attending physicians across several residency programs in 2 French faculties of medicine. We comprehensively evaluated the information-seeking behavior (I-SB) during residency using a standardized questionnaire and looked for independent predictors of theoretical learning quality, academic career achievements, and evidence-based medical practice among I-SB components using multivariate logistic regression analysis. Between February 2013 and May 2013, 338 fellows and attending physicians were included in the study. Textbooks and international medical journals were reported to be used on a regular basis by 24% and 57% of the respondents, respectively. Among the respondents, 47% refer systematically (4.4%) or frequently (42.6%) to published guidelines from scientific societies upon their publication. The median self-reported theoretical learning quality score was 5/10 (interquartile range, 3-6; range, 1-10). A high theoretical learning quality score (upper quartile) was independently and strongly associated with the following I-SB components: systematic reading of clinical guidelines upon their publication (odds ratio [OR], 5.55; 95% confidence interval [CI], 1.77-17.44); having access to a library that offers the leading textbooks of the specialty in the medical department (OR, 2.45, 95% CI, 1.33-4.52); knowledge of the specialty leading textbooks (OR, 2.12; 95% CI, 1.09-4.10); and PubMed search skill score ≥5/10 (OR, 1.94; 95% CI, 1.01-3.73). Research Master (M2) and/or PhD thesis enrolment were independently and strongly associated with the following predictors: PubMed search skill score ≥5/10 (OR, 4.10; 95% CI, 1.46-11.53); knowledge of the leading medical journals of the specialty (OR, 3.33; 95

  16. Information-seeking Behavior During Residency Is Associated With Quality of Theoretical Learning, Academic Career Achievements, and Evidence-based Medical Practice

    Oussalah, Abderrahim; Fournier, Jean-Paul; Guéant, Jean-Louis; Braun, Marc

    2015-01-01

    Abstract Data regarding knowledge acquisition during residency training are sparse. Predictors of theoretical learning quality, academic career achievements and evidence-based medical practice during residency are unknown. We performed a cross-sectional study on residents and attending physicians across several residency programs in 2 French faculties of medicine. We comprehensively evaluated the information-seeking behavior (I-SB) during residency using a standardized questionnaire and looked for independent predictors of theoretical learning quality, academic career achievements, and evidence-based medical practice among I-SB components using multivariate logistic regression analysis. Between February 2013 and May 2013, 338 fellows and attending physicians were included in the study. Textbooks and international medical journals were reported to be used on a regular basis by 24% and 57% of the respondents, respectively. Among the respondents, 47% refer systematically (4.4%) or frequently (42.6%) to published guidelines from scientific societies upon their publication. The median self-reported theoretical learning quality score was 5/10 (interquartile range, 3–6; range, 1–10). A high theoretical learning quality score (upper quartile) was independently and strongly associated with the following I-SB components: systematic reading of clinical guidelines upon their publication (odds ratio [OR], 5.55; 95% confidence interval [CI], 1.77–17.44); having access to a library that offers the leading textbooks of the specialty in the medical department (OR, 2.45, 95% CI, 1.33–4.52); knowledge of the specialty leading textbooks (OR, 2.12; 95% CI, 1.09–4.10); and PubMed search skill score ≥5/10 (OR, 1.94; 95% CI, 1.01–3.73). Research Master (M2) and/or PhD thesis enrolment were independently and strongly associated with the following predictors: PubMed search skill score ≥5/10 (OR, 4.10; 95% CI, 1.46–11.53); knowledge of the leading medical journals of the

  17. Women's Health Insurance Coverage

    ... Women's Health Policy Women’s Health Insurance Coverage Women’s Health Insurance Coverage Published: Oct 31, 2017 Facebook Twitter LinkedIn ... that many women continue to face. Sources of Health Insurance Coverage Employer-Sponsored Insurance: Approximately 57.9 million ...

  18. Health Insurance Basics

    ... Staying Safe Videos for Educators Search English Español Health Insurance Basics KidsHealth / For Teens / Health Insurance Basics What's ... thought advanced calculus was confusing. What Exactly Is Health Insurance? Health insurance is a plan that people buy ...

  19. Validation of the French national health insurance information system as a tool in vaccine safety assessment: application to febrile convulsions after pediatric measles/mumps/rubella immunization.

    Hanf, Matthieu; Quantin, Catherine; Farrington, Paddy; Benzenine, Eric; Hocine, N Mounia; Velten, Michel; Tubert-Bitter, Pascale; Escolano, Sylvie

    2013-12-02

    In the French national health insurance information system (SNIIR-AM), routine records of health claimed reimbursements are linked to hospital admissions for the whole French population. The main focus of this work is the usability of this system for vaccine safety assessment programme. Self-controlled case series analyses were performed using an exhaustive SNIIR-AM extraction of French children aged less than 3 years, to investigate the relationship between MMR immunization and children hospitalizations for febrile convulsions, a well-documented rare adverse event, over 2009-2010. The results suggest a significant increase of febrile convulsions during the 6-11 days period following any MMR immunization (IRR=1.49, 95% CI=1.22, 1.83; p=0.0001) and no increase 15-35 days post any MMR immunization (IRR=1.03, 95% CI=0.89, 1.18; p=0.72). These results are in accordance with other results obtained from large epidemiologic studies, which suggest the usability of the SNIIR-AM as a relevant database to study the occurrence of adverse events associated with immunization. For future use, results associated with risk of convulsion during the day of vaccination should nevertheless be considered with particular caution. Copyright © 2013 Elsevier Ltd. All rights reserved.

  20. Can purchasing information be used to predict adherence to cardiovascular medications? An analysis of linked retail pharmacy and insurance claims data.

    Krumme, Alexis A; Sanfélix-Gimeno, Gabriel; Franklin, Jessica M; Isaman, Danielle L; Mahesri, Mufaddal; Matlin, Olga S; Shrank, William H; Brennan, Troyen A; Brill, Gregory; Choudhry, Niteesh K

    2016-11-09

    The use of retail purchasing data may improve adherence prediction over approaches using healthcare insurance claims alone. Retrospective. A cohort of patients who received prescription medication benefits through CVS Caremark, used a CVS Pharmacy ExtraCare Health Care (ECHC) loyalty card, and initiated a statin medication in 2011. We evaluated associations between retail purchasing patterns and optimal adherence to statins in the 12 subsequent months. Among 11 010 statin initiators, 43% were optimally adherent at 12 months of follow-up. Greater numbers of store visits per month and dollar amount per visit were positively associated with optimal adherence, as was making a purchase on the same day as filling a prescription (ppurchase variables had low discriminative ability (C-statistic: 0.563), while models with both clinical and retail purchase variables achieved a C-statistic of 0.617. While the use of retail purchases may improve the discriminative ability of claims-based approaches, these data alone appear inadequate for adherence prediction, even with the addition of more complex analytical approaches. Nevertheless, associations between retail purchasing behaviours and adherence could inform the development of quality improvement interventions. Published by the BMJ Publishing Group Limited. For permission to use (where not already granted under a licence) please go to http://www.bmj.com/company/products-services/rights-and-licensing/.

  1. Influence of awareness on the usage of motor third party insurance ...

    a case study of Kampala district. ... informants (insurers, insurance regulators as well as enforcers – traffic police officers); and carried out desk review of motor third party insurance ... enormous negative economic impact on individuals, fam-.

  2. Combining Chemical Information Literacy, Communication Skills, Career Preparation, Ethics, and Peer Review in a Team-Taught Chemistry Course

    Jones, Mary Lou Baker; Seybold, Paul G.

    2016-01-01

    The widely acknowledged need to include chemical information competencies and communication skills in the undergraduate chemistry curriculum can be accommodated in a variety of ways. We describe a team-taught, semester-length course at Wright State University which combines chemical information literacy, written and oral communication skills,…

  3. Information Broker/Free Lance Librarian--New Careers--New Library Services. Miscellaneous Studies No. 3

    Minor, Barbara B., Ed.

    Proceedings of a workshop on the information broker--a person or organization that provides information on demand for a fee, usually to make a profit--includes edited transcripts of the following presentations: "Introduction," Maxine Davis; "The Free-Lance Alternative: Turning Traditional Skills New Directions," Susan Klement;…

  4. NEW VECTORS OF THE MOTOR INSURANCE DEVELOPMENT IN UKRAINE

    N. Prikazyuk

    2015-04-01

    Full Text Available The essence and features of different forms of motor insurance are studied. As investigated, the motor insurance is one of the most popular types of insurance in many countries, and continues its further quality development. It is stated that the following new vectors of development has been recently observed in developed countries: Internet sales are getting significantly prevalent along with the traditional channels of insurance distribution; insurers’ websites provide a wide range of online features in motor insurance; innovations in motor insurance based on the use of telematics, particularly the usage-based insurance, are widely spread. Basic types of motor insurance, which represent the domestic market, are analyzed. It was found that the share of motor insurance in the insurance market of Ukraine is significant. As established, the proportion of net premiums of motor insurance is decreasing, because its development is significantly influenced by economic factors. Measures, applied by insurance companies in the domestic market of motor insurance to attract new customers and retain the existing ones, are defined. In particular, insurers are trying to develop the implementation of insurance services online, and use possibilities offered by mobile technologies. It was found that the domestic market of motor insurance is characterized by a high level of fraud, that is why some innovative measures in the domestic and international motor insurance agreements are taken to decrease it, such as the introduction of mandatory registration of insurance agents, who have the right to perform mediatory activity in compulsory civil liability insurance of owners of motor vehicles (CCLIOMV, and procedures for contracting the international insurance “Green Card” agreements with simultaneous entering the information on concluded agreement into a unified centralized database of Motor (transport insurance bureau of Ukraine using the “Green Card online

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

    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...

  6. Career cartography: a conceptualization of career development to advance health and policy.

    Feetham, Suzanne; Doering, Jennifer J

    2015-01-01

    The purpose of this article is to propose a conceptualization of career development that emphasizes the interdependence between research, practice, and policy. Career cartography applies three decades of career development experience to lay out a systematic, comprehensive, and iterative approach for planning and communicating the outcomes of science at any career stage. To inform practice and policy, nurse researchers must be clear on the intended destination and trajectory of the science, and be skilled in communicating that science and vision to diverse stakeholders. Career cartography builds on the science of cartography, is developed within the context of public and health policy, and is composed of several components, including a destination statement, career mapping, a supportive career cartography team, and use of communication and dissemination strategies. The successful utilization of career cartography may accelerate advancement of individual careers, scientific impact, and the discipline as a whole by guiding nurse researchers to be deliberative in career planning and to communicate successfully the outcomes of research across a wide variety of stakeholders. Career cartography provides a framework for planning a nurse researcher's program of research and scholarship to advance science, policy, and health of the public. Career cartography guides nurse researchers to realize their full potential to advance the health of the public and inform public and health policy in academic and practice environments. © 2014 Sigma Theta Tau International.

  7. Adult Career Changers: A Developmental Context.

    Lucas, Margaretha S.

    1999-01-01

    Adults requesting career guidance at a counseling center completed a problem-checklist and the Identity, Information, and Barriers scales of the My Vocational Situation inventory. Respondents indicated a need for information on careers; lack of clarity regarding interests, talents, and goals; and worries about self-confidence, independence, and…

  8. Insurance of nuclear risk

    Lacroix, M.

    1976-01-01

    Insurance for large nuclear installations covers mainly four types of risk: third party liability which in accordance with the nuclear conventions, is borne by a nuclear operator following an incident occurring in his installation or during transport of nuclear substances; material damage to the installation itself, which precisely is not covered by third party liability insurance; machinery breakdown, i.e. accidental damage or interruption of operation. Only the first category must be insured. In view of the magnitude of the risk, nuclear insurance resorts to co-insurance and reinsurance techniques which results in a special organisation of the nuclear insurance market, based on national nuclear insurance pools and on the Standing Committee on Atomic Risk of the European Insurance Committee. Conferences of the chairmen of nuclear insurance pools are convened regularly at a worldwide level. (NEA) [fr

  9. Competitive Cyber-Insurance and Internet Security

    Shetty, Nikhil; Schwartz, Galina; Felegyhazi, Mark; Walrand, Jean

    This paper investigates how competitive cyber-insurers affect network security and welfare of the networked society. In our model, a user's probability to incur damage (from being attacked) depends on both his security and the network security, with the latter taken by individual users as given. First, we consider cyberinsurers who cannot observe (and thus, affect) individual user security. This asymmetric information causes moral hazard. Then, for most parameters, no equilibrium exists: the insurance market is missing. Even if an equilibrium exists, the insurance contract covers only a minor fraction of the damage; network security worsens relative to the no-insurance equilibrium. Second, we consider insurers with perfect information about their users' security. Here, user security is perfectly enforceable (zero cost); each insurance contract stipulates the required user security. The unique equilibrium contract covers the entire user damage. Still, for most parameters, network security worsens relative to the no-insurance equilibrium. Although cyber-insurance improves user welfare, in general, competitive cyber-insurers fail to improve network security.

  10. NATIONAL EMPLOYER HEALTH INSURANCE SURVEY (NEHIS)

    The National Employer Health Insurance Survey (NEHIS) was developed to produce estimates on employer-sponsored health insurance data in the United States. The NEHIS was the first Federal survey to represent all employers in the United States by State and obtain information on all...

  11. An Examination of the Career, Salary and Training Expectations of Information Technology Professionals Working in the Help Desk Field

    Flynn, William C.

    2013-01-01

    The Information Technology (IT) help desk positions serve as the gateway between the IT department and users. Although IT is one of the most employable job categories, and crucial for business, staffing these positions with properly trained and certified IT personnel and retaining them is a major challenge for IT help desk managers. What are the…

  12. INFORMATION FROM UNIQA HEALTH INSURANCE

    2004-01-01

    Reimbursements of medical fees that have been submitted to UNIQA Assurances S.A. during January 2004 have been subject to longer delays than usual. The main reasons for this are an increase in bills from Swiss doctors who closed their accounting on 31.12.2003 to transfer to the TARMED medical billing system on 01.01.2004. The postal service also suffered perturbations at the beginning of January. These circumstances combined have had repercussions on the handling of your files and we would like to apologise for the inconvenience caused. The situation is progressively returning to normal and we would like to thank you for your understanding in this matter.

  13. Supplementary insurance as a switching cost for basic health insurance: Empirical results from the Netherlands.

    Willemse-Duijmelinck, Daniëlle M I D; van de Ven, Wynand P M M; Mosca, Ilaria

    2017-10-01

    Nearly everyone with a supplementary insurance (SI) in the Netherlands takes out the voluntary SI and the mandatory basic insurance (BI) from the same health insurer. Previous studies show that many high-risks perceive SI as a switching cost for BI. Because consumers' current insurer provides them with a guaranteed renewability, SI is a switching cost if insurers apply selective underwriting to new applicants. Several changes in the Dutch health insurance market increased insurers' incentives to counteract adverse selection for SI. Tools to do so are not only selective underwriting, but also risk rating and product differentiation. If all insurers use the latter tools without selective underwriting, SI is not a switching cost for BI. We investigated to what extent insurers used these tools in the periods 2006-2009 and 2014-2015. Only a few insurers applied selective underwriting: in 2015, 86% of insurers used open enrolment for all their SI products, and the other 14% did use open enrolment for their most common SI products. As measured by our indicators, the proportion of insurers applying risk rating or product differentiation did not increase in the periods considered. Due to the fear of reputation loss insurers may have used 'less visible' tools to counteract adverse selection that are indirect forms of risk rating and product differentiation and do not result in switching costs. So, although many high-risks perceive SI as a switching cost, most insurers apply open enrolment for SI. By providing information to high-risks about their switching opportunities, the government could increase consumer choice and thereby insurers' incentives to invest in high-quality care for high-risks. Copyright © 2017 Elsevier B.V. All rights reserved.

  14. Preparing Students for the Future: Making Career Development a Priority.

    Hughey, Kenneth F.; Hughey, Judith K.

    1999-01-01

    Presents information relevant to school counseling about the implications of work changes. Outlines foundational guides for student success: improving decision making, learning about career paths, acquiring employability skills, and developing lifelong learning attitudes. Describes activities to facilitate career development. (SK)

  15. Career competencies for the modern career

    Kuijpers, Marinka; Scheerens, Jaap

    2006-01-01

    Career development gains new meaning in the context of employability demands in a knowledge economy. In this context, increased mobility, a dynamic work environment, and an increased level of career support from employers are seen as characteristics of a modern career. All of these characteristics

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

    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.

  17. Handbook of international insurance between global dynamics and local contingencies

    Venard, Bertrand

    2007-01-01

    THE HANDBOOK OF INTERNATIONAL INSURANCE Gordon Stewart, President, Insurance Information Institute, New York, USA "The globalization of insurance markets means that understanding both international developments and local trends around the world is now fundamental for insurance executives coping with today’s complex and competitive environment. By providing such a comprehensive picture of the world’s insurance markets, this unique and necessary book becomes an essential tool for anyone seeking to operate wisely and successfully. Richard D. Phillips, Professor and Chairman, Department of Risk Management and Insurance, Georgia State University, Atlanta, USA "Comprehensive surveys, written by international experts, provide in depth descriptions and discuss recent developments of the world’s major insurance markets. Each chapter contains essential insights for insurance executives and academic researchers interested in risk management and the globalization of insurance markets." Patrick Liedtke, Secretary Ge...

  18. Theory-Informed Research Training and Mentoring of Underrepresented Early-Career Faculty at Teaching-Intensive Institutions: The Obesity Health Disparities PRIDE Program.

    Beech, Bettina M; Bruce, Marino A; Thorpe, Roland J; Heitman, Elizabeth; Griffith, Derek M; Norris, Keith C

    2018-01-01

    Mentoring has been consistently identified as an important element for career advancement in many biomedical and health professional disciplines and has been found to be critical for success and promotion in academic settings. Early-career faculty from groups underrepresented in biomedical research, however, are less likely to have mentors, and in general, receive less mentoring than their majority-group peers, particularly among those employed in teaching-intensive institutions. This article describes Obesity Health Disparities (OHD) PRIDE, a theoretically and conceptually based research training and mentoring program designed for early-career faculty who trained or are employed at Historically Black Colleges and Universities (HBCUs).

  19. Chinese nuclear insurance and Chinese nuclear insurance pool

    Gong Zhiqi

    2000-01-01

    Chinese Nuclear Insurance Started with Daya Bay Nuclear Power Station, PICC issued the insurance policy. Nuclear insurance cooperation between Chinese and international pool's organizations was set up in 1989. In 1996, the Chinese Nuclear Insurance Pool was prepared. The Chinese Nuclear Insurance Pool was approved by The Chinese Insurance Regulatory Committee in May of 1999. The principal aim is to centralize maximum the insurance capacity for nuclear insurance from local individual insurers and to strengthen the reinsurance relations with international insurance pools so as to provide the high quality insurance service for Chinese nuclear industry. The Member Company of Chinese Nuclear Pool and its roles are introduced in this article

  20. Disability Income Insurance

    Hayhoe, Celia Ray; Smith, Mike, CPF

    2009-01-01

    The purpose of disability income insurance is to partially replace your income if you are unable to work because of sickness or an accident. This guide reviews the types of disability insurance, important terms and concepts and employer provided benefits.

  1. Understanding health insurance plans

    ... 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 ...

  2. Econometric analysis to evaluate the effect of community-based health insurance on reducing informal self-care in Burkina Faso.

    Robyn, Paul Jacob; Hill, Allan; Liu, Yuanli; Souares, Aurélia; Savadogo, Germain; Sié, Ali; Sauerborn, Rainer

    2012-03-01

    This study examines the role of community-based health insurance (CBHI) in influencing health-seeking behaviour in Burkina Faso, West Africa. Community-based health insurance was introduced in Nouna district, Burkina Faso, in 2004 with the goal to improve access to contracted providers based at primary- and secondary-level facilities. The paper specifically examines the effect of CBHI enrolment on reducing the prevalence of seeking modern and traditional methods of self-treatment as the first choice in care among the insured population. Three stages of analysis were adopted to measure this effect. First, propensity score matching was used to minimize the observed baseline differences between the insured and uninsured populations. Second, through matching the average treatment effect on the treated, the effect of insurance enrolment on health-seeking behaviour was estimated. Finally, multinomial logistic regression was applied to model demand for available health care options, including no treatment, traditional self-treatment, modern self-treatment, traditional healers and facility-based care. For the first choice in care sought, there was no significant difference in the prevalence of self-treatment among the insured and uninsured populations, reaching over 55% for each group. When comparing the alternative option of no treatment, CBHI played no significant role in reducing the demand for self-care (either traditional or modern) or utilization of traditional healers, while it did significantly increase consumption of facility-based care. The average treatment effect on the treated was insignificant for traditional self-care, modern self-care and traditional healer, but was significant with a positive effect for use of facility care. While CBHI does have a positive impact on facility care utilization, its effect on reducing the prevalence of self-care is limited. The policy recommendations for improving the CBHI scheme's responsiveness to population health care

  3. Communications Centre Model in Insurance Business

    Danijel Bara

    2013-07-01

    Full Text Available The aim of this paper is to define a communications centre model in an insurance company that essentially has two objectives. The first objective is focused on providing quality support with the sales process thereby creating a strategic advantage over the competition while the second objective is focused on improving the link between internal organizational units whose behaviour can often render decision-making at all levels difficult. The function of sales is fundamental for an insurance company. Whether an insurance company will fulfil its basic function, which is transfer of risk from the insured party to the insurer who agrees tonreimburse incidental damages to the damaged party and distribute them among all members of the risk group on the principles of reciprocity and solidarity, depends on successful sales and billing (Andrijašević & Petranović, 1999. For an insurance company to operate successfully in a demanding market, it is necessary to meet the needs of potential clients who then must be at the centre of all the activities of the insurer. A satisfied policy holder, who is respected by the insurer as a partner, is a guarantee that the sales of insurance services will be successful and that the insured party will come back to the same insurance company. In the era of globalization and all-pervading new technologies and modes of communication, policy holders need to be able to communicate with insurance company employees. Quality communication is a good foundation for a sales conversation. A fast flow of all types of information within an organisation using a single communication module makes decision-making at all levels quicker and easier.

  4. Career Issues in HRD.

    1999

    This document contains four symposium papers on career issues in human resource development (HRD). "Are Careers What They Used To Be: A Factor Analysis of Schein's Career Orientations Inventory" (Gerri Mukri, Sharon Confessore) is a statistical analysis of Schein's Career Orientations Inventory that finds the inventory to be a…

  5. 24 CFR 266.602 - Mortgage insurance premium: Insured advances.

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage insurance premium: Insured... Contract Rights and Obligations Mortgage Insurance Premiums § 266.602 Mortgage insurance premium: Insured.... On each anniversary of the initial closing, the HFA shall pay an interim mortgage insurance premium...

  6. Farmers Insures Success

    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…

  7. Insurance. School Business Management Handbook No. 2. Revised.

    Rogers, E. Lloyd

    To provide a practical tool for school insurance management, information concerning various types of insurance coverage and the policy forms used is provided in this handbook. Using a question and answer format the material is presented in eight chapters covering the following areas: (1) insurance on real and personal property; (2) liability…

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

    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.

  9. Motivation and career development

    Flemr, Marcel

    2009-01-01

    The main objective of this diploma thesis is to outline various theories of work motivation, career growth and their practical application in sales team management within a sales organization. In the theoretical part the paper deals with the definition of essential terms including but not limited to motivation, work motivation, career and work career. Moreover, it focuses on selected motivational theories, basic criteria and current principles of managing the work career, career growth and de...

  10. Career Guidance for Learning-Disabled Youth

    Chen, Charles P.; Chan, Janice

    2014-01-01

    Learning disabilities (LDs) describe a number of disorders that affect the way information is acquired, retained, organized, and understood. This article aims to address the critical issue of improving the career well-being of LD youth. It first examines several critical issues that affect LD high school students/youth in their career development.…

  11. Value Relevance of Embedded Value and IFRS 4 Insurance Contracts

    Rebecca Chung-Fern Wu; Audrey Wen-Hsin Hsu

    2011-01-01

    In light of the recent exodus of foreign insurers from Taiwan and the local insurers’ outcries against the International Financial Reporting Standard (IFRS) 4 Insurance Contracts, we examine the value relevance of financial statements for life insurance firms, with particular interests to the embedded value (EV) disclosure. We find that the EV of equity has an incremental information role for book value of equity, which indicates that the accounting mismatching problem in the insurance indust...

  12. Relationships among Components of Insurance Companies and Services’ Quality

    Šebjan Urban

    2014-11-01

    Full Text Available Background and Purpose: An increasing number of insurance companies and the intensity of competition in this field require research on customer perceptions of the components of insurance services and insurance company. The objective of this study was to examine the conceptual model and to study the relationships between customer perceptions of the innovation, reputation, adequacy of premium, and adequacy of information about the coverage of insurance services.

  13. Risks and nuclear insurance

    Debaets, M.; Springett, G.D.; Luotonen, K.; Virole, J.

    1988-01-01

    When analysing the nuclear insurance market, three elements must be taken into account: the nuclear operator's liability is regulated by national laws and/or international Conventions, such operators pay large premiums to insure their nuclear installations against property damage and finally, the nuclear insurance market is made up of pools and is mainly a monopoly. This report describes the different types of insurance coverage, the system governing nuclear third party liability under the Paris Convention and the Brussels Supplementary Convention and several national laws in that field. The last part of the report deals with liability and insurance aspects of international transport of nuclear materials [fr

  14. AEL Career Decision-Making Program. Worker Trait Group File Content Notebook.

    Appalachia Educational Lab., Charleston, WV.

    The Career Information System File is utilized in the organization and management procedures of the Career Information System (CIS) component of the Career Decision-Making (CDM) Program developed by Appalachia Educational Laboratory. (See CE 019 229 for an overview of the total CDM Program.) The twelve career areas and worker trait groups used to…

  15. Flood Insurance Rate Map, Scott County, USA

    Federal Emergency Management Agency, Department of Homeland Security — The Digital Flood Insurance Rate Map (DFIRM) Database depicts flood risk information and supporting data used to develop the risk data. The primary risk...

  16. DIGITAL FLOOD INSURANCE RATE MAP DATABASE,

    Federal Emergency Management Agency, Department of Homeland Security — The Digital Flood Insurance Rate Map (DFIRM) Database depicts flood risk Information And supporting data used to develop the risk data. The primary risk;...

  17. Insure Kids Now (IKN) (Dental Care Providers)

    U.S. Department of Health & Human Services — The Insure Kids Now (IKN) Dental Care Providers in Your State locator provides profile information for oral health providers participating in Medicaid and Children's...

  18. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, , USA

    Federal Emergency Management Agency, Department of Homeland Security — The Digital Flood Insurance Rate Map (DFIRM) Database depicts flood risk Information And supporting data used to develop the risk data. The primary risk;...

  19. Career anchors and career resilience: Supplementary constructs?

    L. J. Van Vuuren

    2000-06-01

    Full Text Available Previously the authors reported on a study in which an attempt was made at defining and measuring the construct career resilience (Fourie & Van Vuuren, 1998. The present article continues this investigation by reporting on the relationship between career resilience and career anchors, as defined in Scheins (1975; 1978; 1990; 1992 career anchor model. The aim of the study was to determine whether career anchor patterning could potentially inhibit or facilitate individuals' levels of career resilience. The "Career Resilience Questionnaire" (CRQ (Fourie & Van Vuuren, 1998 together with Scheins (1990 "Career Orientations Inventory" (COI were administered to 352 skilled employees. The findings regarding the statistical relationship between the two constructs are discussed. Opsomming Loopbaanankers en loopbaangehardheid: supplementere konstrukte? In n vorige publikasie van Fourie en Van Vuuren (1998 is die bevindinge aangaande die afbakening en meting van die konstruk, loopbaangehardheid, gerapporteer. In die huidige artikel word die ondersoek voortgesit met 'n beskrywing van die verwantskap tussen loopbaangehardheid en loopbaanankers, soos gedefinieer in die loopbaanankermodel van Schein (1975; 1978; 1990; 1992. Die doel met die studie was om te bepaal of die mate van loopbaanankerontplooiing individuele vlakke van loopbaangehardheid potensieel fasiliteer ofinhibeer. Die "Career Resilience Questionnaire" (CRQ (Fourie & Van Vuuren, 1998 is tesame met die "Career Orientation Inventory" (COI (Schein, 1990 op 352 geskoolde werknemers geadministreer. Die bevindinge betreffende die statistiese verwantskap tussen die twee konstrukte word bespreek.

  20. A comprehensive medical student career development program improves medical student satisfaction with career planning.

    Zink, Brian J; Hammoud, Maya M; Middleton, Eric; Moroney, Donney; Schigelone, Amy

    2007-01-01

    In 1999, the University of Michigan Medical School (UMMS) initiated a new career development program (CDP). The CDP incorporates the 4-phase career development model described by the Association of American Medical Colleges (AAMC) Careers in Medicine (CiM). The CDP offers self-assessment exercises with guidance from trained counselors for 1st- and 2nd-year medical students. Career exploration experiences include Career Seminar Series luncheons, shadow experiences with faculty, and a shadow program with second-year (M2) and fourth-year (M4) medical students. During the decision-making phase, students work with trained faculty career advisors (FCA). Mandatory sessions are held on career selection, preparing the residency application, interviewing, and program evaluation. During the implementation phase, students meet with deans or counselors to discuss residency application and matching. An "at-risk plan" assists students who may have difficulty matching. The CiM Web site is extensively used during the 4 stages. Data from the AAMC and UMMS Graduation Questionnaires (GQ) show significant improvements for UMMS students in overall satisfaction with career planning services and with faculty mentoring, career assessment activities, career information, and personnel availability. By 2003, UMMS students had significantly higher satisfaction in all measured areas of career planning services when compared with all other U.S. medical students.

  1. Public Insurance and Equality

    Landes, Xavier; Néron, Pierre-Yves

    2015-01-01

    Heath (among other political theorists) considers that the principle of efficiency provides a better normative explanation and justification of public insurance than the egalitarian account. According to this view, the fact that the state is involved in the provision of specific insurance (primarily......Public insurance is commonly assimilated with redistributive tools mobilized by the welfare state in the pursuit of an egalitarian ideal. This view contains some truth, since the result of insurance, at a given moment, is the redistribution of resources from the lucky to unlucky. However, Joseph...... surrounding public insurance as a redistributive tool, advancing the idea that public insurance may be a relational egalitarian tool. It then presents a number of relational arguments in favor of the involvement of the state in the provision of specific forms of insurance, arguments that have been overlooked...

  2. Career Planning and Development for Early-Career Scientists

    Early career development can be looked at as being of two major phases. The first phase is the formal educational process leading to an awarded degree, postdoctoral training, and potentially formal certification in a scientific discipline. The second phase is the informal educa...

  3. Task Analysis: A Systematic Approach to Designing New Careers Programs.

    Jackson, Vivian C.

    This guide presents the primary approaches, tools, and techniques utilized by the New Careers Training Laboratory (NCTL) staff to provide skills in training and to conduct agency task analyses. Much of the technical information has been taken from an earlier NCTL publication by Tita Beal, "A New Careers Guide for Career Development…

  4. Development and Implementation of an Online Careers Seminar in Psychology

    Brinthaupt, Thomas M.

    2010-01-01

    Psychology departments are increasing their attention to providing career options and guidance for majors. I review the literature on the use of career courses in psychology and describe the development and implementation of an online careers seminar that provides psychology majors and minors with a wide range of information and resources. Student…

  5. Local Middle School Receives School-to-Career Grant

    Teacher Enhancement Program. The money will be used to help students explore career opportunities and and career development by giving them access to people working in local businesses and government Middle School Receives School-to-Career Grant For more information contact: e:mail: Public Affairs

  6. Explore Your Future: Careers in the Natural Gas Industry.

    American Gas Association, Arlington, VA. Educational Services.

    This career awareness booklet provides information and activities to help youth prepare for career and explore jobs in the natural gas industry. Students are exposed to career planning ideas and activities; they learn about a wide variety of industry jobs, what workers say about their jobs, and how the industry operates. Five sections are…

  7. The insurance refund request: a legal analysis.

    Rollman, S O

    1998-12-01

    When an insurance payment is made erroneously to a healthcare provider and no contract between the insurer and provider addresses the issue of refunding such payments, the law relating to restitution generally applies. Restitution does not apply, however, to three exceptions that the courts have used to refuse claims by insurers for refunds of overpayments: the innocent third-party creditor exception, whereby the healthcare provider cannot be unjustly enriched by the overpayment, cannot have induced the mistaken payment, and cannot have known beforehand that the insurer was not obligated to pay; the material change in position exception, whereby the healthcare provider in good faith accepts an overpayment and so does not pursue other means of payment; and the assumption of the risk exception, which occurs when the insurer pays a claim without having complete information about it.

  8. 75 FR 1548 - Insurer Reporting Requirements; List of Insurers Required To File Reports

    2010-01-12

    ... vehicle insurers that are required to file reports on their motor vehicle theft loss experiences. An.... Each insurer's report includes information about thefts and recoveries of motor vehicles, the rating... state and; (3) rental and leasing companies with a fleet of 20 or more vehicles not covered by theft...

  9. 76 FR 5248 - Insurer Reporting Requirements; Annual Insurer Report on Motor Vehicle Theft for the 2005...

    2011-01-28

    ...] Insurer Reporting Requirements; Annual Insurer Report on Motor Vehicle Theft for the 2005 Reporting Year... on motor vehicle theft for the 2005 reporting year. Section 33112(h) of Title 49 of the U.S. Code... report provides information on theft and recovery of vehicles; rating rules and plans used by motor...

  10. Health Insurance Literacy: How People Understand and Make Health Insurance Purchase Decisions

    Vardell, Emily Johanna

    2017-01-01

    The concept of health insurance literacy, which can be defined as "the extent to which consumers can make informed purchase and use decisions" (Kim, Braun, & Williams, 2013, p. 3), has only recently become a focus of health literacy research. Though employees have been making health insurance decisions for many years, the Affordable…

  11. Good Faith in Life Insurance Contract by Indonesian Court

    Mokhamad Khoirul Huda

    2017-03-01

    Full Text Available This paper reviews both the interpretation of good faith and its implementation by the Court in terms of life insurance contracts. The principle of good faith in life insurance contracts was under the provision of the Article 251 Wet Boek van Kophandel which assigned the obligation of good faith on the insured. Based on the context of its historical and systematical interpretation, the obligation of good faith should be on both sides, the insurer and the insured. The insured had an obligation to inform any material facts and the insurer had to investigate those all facts. Until recent days, however, judges in all levels of Court did not have any shared and full understanding on the interpretation of good faith in life insurance contracts. As the result, many Courts were frequently inconsistent with each other. Hence, the sense of fairness the people perceived from the court verdict was not achieved.

  12. CAREER GUIDANCE EXPERIENCE ABROAD

    Sergey N. Tolstoguzov

    2015-01-01

    Full Text Available The aim of this paper is to describe the experience of careeroriented activities carried out with students of schools in developed and developing countries. Career Guidance in Russia, despite the vast experience of its implementation, is experiencing serious difficulties. In this regard, it is important to take into account the international experience career-oriented activities, such as in the developed countries of North America and the European Union as well as in several Asian countries with rapidly growing economies and a large demographic potential, taking into account the best variants for the Russian education system. Methods. The experience of career-oriented work undertaken with pupils of the USA, Canada, Israel, France, UK, Germany, Denmark, Sweden, Japan, Singapore, China and India is shown on the basis of the comparative analysis of different publications and information sources. The author has made an attempt to generalize the principles of psycho-pedagogical and administrative assistance in professional self-determination of senior pupils abroad. Scientific novelty. The approaches to career-oriented activities in countries with different levels of economic development are compared for the first time. Some principles are revealed. Firstly, the higher the income level per capita in the country, the greater attention is given to vocational guidance. The politics in the developed countries is based on interests of the individual: children’s acquaintance with the world of professions begins already at younger school and the moment of definitive selfdetermination is postponed till the end of their senior stage of education; the possibility of direction change of professional preparation in case of detection of discrepancy of qualities of the pupil to originally selected profile is provided. Career-oriented activity in developing countries, on the contrary, is rigidly coordinated to requirements of economy and a labour market

  13. Nuclear insurance fire risk

    Dressler, E.G.

    2001-01-01

    Nuclear facilities operate under the constant risk that radioactive materials could be accidentally released off-site and cause injuries to people or damages to the property of others. Management of this nuclear risk, therefore, is very important to nuclear operators, financial stakeholders and the general public. Operators of these facilities normally retain a portion of this risk and transfer the remainder to others through an insurance mechanism. Since the nuclear loss exposure could be very high, insurers usually assess their risk first-hand by sending insurance engineers to conduct a nuclear insurance inspection. Because a serious fire can greatly increase the probability of an off-site release of radiation, fire safety should be included in the nuclear insurance inspection. This paper reviews essential elements of a facility's fire safety program as a key factor in underwriting nuclear third-party liability insurance. (author)

  14. Nonlife Insurance Pricing:

    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. [Career consciousness among Japanese female students: relationships between vocational motivation and career exploration].

    Adachi, Tomoko

    2008-04-01

    This questionnaire study investigated career consciousness among 348 Japanese female freshman and sophomore college students. Variables included career consciousness (belief in the idea of a best-fit vocation, passivity, and giving priority to personal interests), vocational motives (self-improvement, interpersonal, status), as well as career decision-making self-efficacy (self-appraisal, gathering occupational information) and career exploration (self and environmental exploration). The results of causal analyses showed that the belief in the idea of a best-fit vocation and passivity had effects on all three vocational motives, but giving priority to personal interests had an effect only on motivation for self-improvement. Analysis of covariance (ANCOVA) models were constructed with career exploration as dependent variables, career consciousness as fixed factors, and career decision-making self-efficacy as covariates. The results of the analyses showed that students who had high career decision-making self-efficacy engaged in both self exploration and environmental exploration activities with a higher frequency. Students with a greater passive tendency toward their career engaged in both self and environmental exploration with a lower frequency. Belief in the idea of a best-fit vocation was associated only with differences in frequency of self exploration. Giving priority to personal interests did not produce differences in career exploration activities.

  16. THE IMPACT OF COOPERATION BETWEEN INSURERS AND BANKS ON THE DEVELOPMENT OF THE INSURANCE SYSTEM

    Nataliya Prikazyuk

    2017-11-01

    Full Text Available The article highlights how the cooperation of insurance companies and banks affects the insurance system. Defined the concept of bancassurance, provided a brief description of the main bancassurance models in the context of their impact on the insurance system. Defined the main benefits and risks that accompany cooperation of insurance companies and banks within different models of association. It is noted that despite the generally accepted benefits of cooperation between insurers and banks, financial intermediaries’ unions often carry significant risks. Benefits from the cooperation of insurance companies and banks are disclosed with operational, marketing and financial aspects. The purpose of the article is to study the forms of cooperation between financial intermediaries and their impact on the insurance system. Methodology. The study is based on theoretical methods to study this problem. The theoretical and methodological basis of the study is works of scientists on the models of cooperation between insurers and banks. The dialectical method of cognition as well as such methods as logical generalization, structural and systematic analysis are used to study the methodological foundations of banks’ impact on the insurance companies and insurance system. Results. Banking activity has a significant impact on the insurance system. This impact is noticeable at the micro-level: insurers and banks can be clients of each other as well as they can sign cooperation agreements. A significant positive impact of the bancassurance on the activities of both financial institutions within the synergy that appears during their cooperation is highlighted in the article. Respectively, the insurance company and the bank are experiencing the benefits of cooperation along with savings on fixed, variable costs and obtaining additional profits; simplifying and optimization of the process of collecting and processing information; savings on advertising and

  17. Goodbye Career, Hello Success.

    Komisar, Randy

    2000-01-01

    Success in today's economy means throwing out the old career rules. The "noncareer" career is driven by passion for the work and has the fluidity and flexibility needed in the contemporary workplace. (JOW)

  18. Dentistry: Careers in Dentistry

    ... in Dentistry e-mail Print Share Careers in Dentistry A dental education opens up a world of ... accredited training programs in your area . Careers in Dentistry Be a Dentist General Dentistry Dental Specialties Dental ...

  19. Second Careers in Retirement.

    Carter, Kellye

    1992-01-01

    Describes career changes and retirement choices made by outgoing "career" superintendents. Choices ranged from teaching and consulting to administering philanthropic organizations and launching a charter-boat business. (MLH)

  20. CareerConnector

    US Agency for International Development — CareerConnector is USAID's premiere recruiting tool. It is powered by Monster and integrated with www.usajobs.gov. CareerConnector tracks the progression of a...

  1. Catastrophic risks and insurance

    Deprimoz, J.

    1988-01-01

    This short communication deals with compensation for nuclear damage and compensation for environmental pollution through industrial activities and compress both systems and their insurance coverage [fr

  2. Prescriptions and Insurance Plans

    ... contributed by: familydoctor.org editorial staff Categories: Healthcare Management, Insurance & Bills, Your Health ResourcesTags: brand name, co-pay, drug, formulary, generic, isurance, medicine, ...

  3. Uninsured vs. insured population

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

    2003-01-01

    analyzed. Approximately 74 percent of uninsured Americans are nonelderly Americans. Among the nonelderly Americans, about 17 percent are uninsured. Our findings show that insurance status varies significantly by region, age, race, gender, marital status, income, education, employment status, and health......This study identified the underlying demographic and socioeconomic factors associated with insurance status among nonelderly Americans (age 19-64), as well as compared health care utilization between insured and uninsured. Data from the Community Tracking Study 1996-1997 Household Survey were...... status. Also, the insured nonelderly Americans were found to have better access to health care than the uninsured nonelderly....

  4. Census Careers

    Indicators Economic Studies Industry Statistics Portal Other Economic Programs Business is a large part of Classification Codes (i.e., NAICS) Economic Census Economic Indicators Economic Studies Industry Statistics Portal Other Economic Programs Business Latest Information Business Characteristics Classification Codes

  5. INSURANCE MARKETING OF INNOVATIONS IN THE REGIONAL MARKET OF SERVICES UNDER PRESENT CONDITIONS: STRATEGIC ASPECTS

    A. V. Kovalenko

    2012-01-01

    Full Text Available Innovative development of insurance activities must be directed towards creation of new insurance products. Up-to-date innovative insurance marketing should be carried out on the basis of an efficient innovative process management system. For a big insurance company with a largeclient base, high service standards may be warranted only through implementation of innovations linked with newest information technologies.

  6. Community Rating in Health Insurance : Trade-Off Between Coverage and Selection

    Bijlsma, M.; Boone, Jan; Zwart, G.T.J.

    2015-01-01

    We analyze the role of community rating in the optimal design of a risk adjustment scheme in competitive health insurance markets when insurers have better information on their customers’ risk profiles than the sponsor of health insurance. The sponsor offers insurers a menu of risk adjustment

  7. Differences between insurance organizations: do consumers perceive differences in important areas?

    Delnoij, D.M.J.; Hendriks, M.; Brouwer, W.; Spreeuwenberg, P.

    2006-01-01

    Background: Competition on the insurance market assumes that insurance organizations differ in what they offer, that the consumers of insurance products perceive differences, and that information about differences is available in a transparent way. With the introduction of the insurance reform in

  8. The insurance of nuclear installations

    Francis, H.W.

    1977-01-01

    A brief account is given of the development of nuclear insurance. The subject is dealt with under the following headings: the need for nuclear insurance, nuclear insurance pools, international co-operation, nuclear installations which may be insured, international conventions relating to the liability of operators of nuclear installations, classes of nuclear insurance, nuclear reactor hazards and their assessment, future developments. (U.K.)

  9. Interpreting Early Career Trajectories

    Barnatt, Joan; Gahlsdorf Terrell, Dianna; D'Souza, Lisa Andries; Jong, Cindy; Cochran-Smith, Marilyn; Viesca, Kara Mitchell; Gleeson, Ann Marie; McQuillan, Patrick; Shakman, Karen

    2017-01-01

    Career decisions of four teachers are explored through the concept of figured worlds in this qualitative, longitudinal case study. Participants were purposefully chosen for similarity at entry, with a range of career trajectories over time. Teacher career paths included remaining in one school, repeated changes in schools, attrition after…

  10. Career Commitment in Nursing.

    Gardner, Diane L.

    1992-01-01

    A longitudinal, repeated-measures descriptive survey used to measure career commitment and its relationship to turnover and work performance in 320 newly employed registered nurses at one hospital found that career commitment is not a stable phenomenon. The direct association between career commitment and turnover and with job performance is weak.…

  11. BULGARIAN TEACHERS’ CAREER MOTIVATORS

    Stanislava Stoyanova

    2016-12-01

    Full Text Available A review of several studies of teachers’ career motivation since Bulgarian Renaissance till nowadays is presented in this paper. 203 Bulgarian teachers in public schools were studied by means of a questionnaire created by Slavchov & Stoyanova (2007 measuring career motivational types, according to Moses’ typology (2003. The career motivational type of Authenticity seekers was the most preferred by the studied Bulgarian teachers, followed by Personal developers and Stability seekers. Career builders as a career motivational type was minor career motivator, the least preferred one by Bulgarian teachers. A lot of significant positive correlations existed between teachers’ career motivational types. Some social-demographic factors (such as gender, specialty, work experience, and age differentiated teachers’ career motivators. The type of Autonomy seekers was more preferred career motivator by male teachers than by female teachers in correspondence to the traditional stereotypes for men. Longer teachers’ work experience and teachers’ advance in age were related to more frequency of Stability seekers, but less frequency of Novelty seekers career motivator. Preschool and elementary school teachers preferred more strongly Authenticity seekers as a career motivator than teachers in natural sciences and mathematics. Establishing major career motivators for teachers may be related to opportunities for improvement of performance and work satisfaction.

  12. AGU Panel meets on career topics

    Hollister, Charles

    Graduate students and their career opportunities in ocean and earth sciences were the focus of the Education and Human Resources (E & HR) Committee meeting held at the 1982 AGU Fall Meeting in San Francisco. A standing committee of AGU, the E & HR committee is responsible for matters concerning education in earth, ocean, and planetary sciences from precollege through graduate programs, including career guidance, academic preparation, student recruitment, and manpower supply and demand.At the meeting a draft of the AGU-sponsored Careers in Oceanography booklet by committee chairman C. Hollister was thoroughly discussed and a new draft will emerge soon for final approval. The booklet is designed to complement the Careers in Geophysics booklet recently published by AGU; the booklets contain information about planning a career, job opportunities, educational requirements, and a synopsis of where the prospective student might apply.

  13. Data Analytic Process of a Nationwide Population-Based Study Using National Health Information Database Established by National Health Insurance Service

    Yong-ho Lee

    2016-02-01

    Full Text Available In 2014, the National Health Insurance Service (NHIS signed a memorandum of understanding with the Korean Diabetes Association to provide limited open access to its databases for investigating the past and current status of diabetes and its management. NHIS databases include the entire Korean population; therefore, it can be used as a population-based nationwide study for various diseases, including diabetes and its complications. This report presents how we established the analytic system of nation-wide population-based studies using the NHIS database as follows: the selection of database study population and its distribution and operational definition of diabetes and patients of currently ongoing collaboration projects.

  14. Good Looks and Good Practice: The Attitudes of Career Practitioners to Attractiveness and Appearance

    Yates, Julia; Hooley, Tristram; Bagri, Kiren Kaur

    2017-01-01

    Empirical evidence attests the impact that career image has on objective career success, yet little is known of how career practitioners conceptualise and operationalise this information. This article presents the quantitative findings of an online survey of career practitioners (n = 399, 74% female, 89% white and 75% from the U.K.) exploring…

  15. Online Career Guidance: Does Knowledge Equate to Power for High School Students?

    Galliott, Natal'ya

    2017-01-01

    The provision of online career information and guidance is becoming more popular among career counselling practitioners and policy makers targeting the postschool transitions of youth. Internet-based career exploration and guidance systems provide convenience and economy to both individuals confronted with career decision making as well as those…

  16. Insuring against Health Shocks: Health Insurance and Household Choices

    Liu, Kai

    2015-01-01

    This paper provides empirical evidence on the role of public health insurance in mitigating adverse outcomes associated with health shocks. Exploiting the rollout of a universal health insurance program in rural China, I find that total household income and consumption are fully insured against health shocks even without access to health insurance. Household labor supply is an important insurance mechanism against health shocks. Access to health insurance helps households to maintain investme...

  17. Career Awareness, Career Planning, and Career Transition Needs among Sports Coaches

    Lavallee, David

    2006-01-01

    This study is conducted with 56 recently retired full-time sports coaches to examine the importance of career awareness, postsport career planning, and career transition needs. Results indicate that the individuals do not have a high level of career awareness, have done relatively little postsport career planning during their coaching careers, and…

  18. Nuclear energy and insurance

    Dow, J.C.

    1989-01-01

    It was the risk of contamination of ships from the Pacific atmospheric atomic bomb tests in the 1940's that seems first to have set insurers thinking that a limited amount of cover would be a practical possibility if not a commercially-attractive proposition. One Chapter of this book traces the early, hesitant steps towards the evolution of ''nuclear insurance'', as it is usually called; a term of convenience rather than exactitude because it seems to suggest an entirely new branch of insurance with a status of its own like that of Marine, Life or Motor insurance. Insurance in the field of nuclear energy is more correctly regarded as the application of the usual, well-established forms of cover to unusual kinds of industrial plant, materials and liabilities, characterised by the peculiar dangers of radioactivity which have no parallel among the common hazards of industry and commerce. It had, and still has, the feature that individual insurance underwriters are none too keen to look upon nuclear risks as a potential source of good business and profit. Only by joining together in Syndicates or Pools have the members of the national insurance markets been able to make proper provision for nuclear risks; only by close international collaboration among the national Pools have the insurers of the world been able to assemble adequate capacity - though still, even after thirty years, not sufficient to provide complete coverage for a large nuclear installation. (author)

  19. Insurance industry guide

    Anon.

    1992-01-01

    This is an insurance industry guide for the independent power industry. The directory includes the insurance company's name, address, telephone and FAX numbers and a description of the company's area of expertise, products and services, and limitations. The directory is international in scope. Some of the companies specialize in independent power projects

  20. Integrating parts of the APhA Career Pathway Evaluation Program for pharmacy professionals into a career development lab.

    Linn, Brooke A; Burton, Samantha J; Shepler, Brian M

    To use parts of the APhA Career Pathway Evaluation Program for Pharmacy Professionals in a career development laboratory designed to provide students with relevant information that will help them prepare for successful careers across the profession of pharmacy. Students enrolled in the second professional year of pharmacy school participated in an interactive three-hour career development laboratory. Students completed the APhA Career Pathway Evaluation Program for Pharmacy Professionals Online Assessment Tool prior to the laboratory. In class, the students were randomized into eight groups. Two career profiles were assigned to each group for discussion during a thirty-minute brainstorming session. The groups reported their knowledge for each career profile to the entire class, and the instructors supplemented the discussion with details and more specific information about each profile. Two years of data were collected (n=300 students). One hundred and twenty four (41.3%) students responded to the voluntary post-laboratory survey questions. Overall, students rated the career pathway activities favorably with an average score of 8.13 out of 10. After participation in the discussion, 74 (59.7%) respondents indicated their career interests had been impacted. This career development laboratory is one example of how the APhA Career Pathway Evaluation Program for Pharmacy Professionals can be effectively incorporated into the PharmD curriculum in order to help students explore the various career options they might not have otherwise discovered on their own. Published by Elsevier Inc.

  1. Unemployment Insurance and Inequality

    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...

  2. Health insurance for "frontaliers"

    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 “...

  3. Terrorism Risk Insurance: An Overview

    Webel, Baird

    2005-01-01

    .... Addressing this problem, Congress enacted the Terrorism Risk Insurance Act of 2002 (TRIA) to create a temporary program to share future insured terrorism losses with the property-casualty insurance industry and policyholders...

  4. Disposition of Insurance Allotment Payments

    Young, Shelton

    2001-01-01

    .... The request was prompted by action taken by the Florida Department of Insurance against two life insurance companies that had received large numbers of insurance allotments from Service members...

  5. Insurance: Accounting, Regulation, Actuarial Science

    Alain Tosetti; Thomas Behar; Michel Fromenteau; Stéphane Ménart

    2001-01-01

    We shall be examining the following topics: (i) basic frameworks for accounting and for statutory insurance rules; and (ii) actuarial principles of insurance; for both life and nonlife (i.e. casualty and property) insurance.Section 1 introduces insurance terminology, regarding what an operation must include in order to be an insurance operation (the legal, statistical, financial or economic aspects), and introduces the accounting and regulation frameworks and the two actuarial models of insur...

  6. Studying historical occupational careers with multilevel growth models

    Wiebke Schulz

    2010-10-01

    Full Text Available In this article we propose to study occupational careers with historical data by using multilevel growth models. Historical career data are often characterized by a lack of information on the timing of occupational changes and by different numbers of observations of occupations per individual. Growth models can handle these specificities, whereas standard methods, such as event history analyses can't. We illustrate the use of growth models by studying career success of men and women, using data from the Historical Sample of the Netherlands. The results show that the method is applicable to male careers, but causes trouble when analyzing female careers.

  7. Optimal Taxation and Social Insurance in a Lifetime Perspective

    Bovenberg, A. Lans; Sørensen, Peter Birch

    Advances in information technology have improved the administrative feasibility of redistribution based on lifetime earnings recorded at the time of retirement. We study optimal lifetime income taxation and social insurance in an economy in which redistributive taxation and social insurance serve......-transfer system does not provide full disability insurance. By offering imperfect insurance and structuring disability benefits so as to enable workers to insure against disability by working harder, social insurance is designed to offset the distortionary impact of the redistributive labor income tax on labor...... to insure (ex ante) against skill heterogeneity as well as disability risk. Optimal disability benefits rise with previous earnings so that public transfers depend not only on current earnings but also on earnings in the past. Hence, lifetime taxation rather than annual taxation is optimal. The optimal tax...

  8. Dental insurance: A systematic review.

    Garla, Bharath Kumar; Satish, G; Divya, K T

    2014-12-01

    To review uses of finance in dentistry. A search of 25 electronic databases and World Wide Web was conducted. Relevant journals were hand searched and further information was requested from authors. Inclusion criteria were a predefined hierarchy of evidence and objectives. Study validity was assessed with checklists. Two reviewers independently screened sources, extracted data, and assessed validity. Insurance has come of ages and has become the mainstay of payment in many developed countries. So much so that all the alternative forms of payment which originated as an alternative to fee for service now depend on insurance at one point or the other. Fee for service is still the major form of payment in many developing countries including India. It is preferred in many instances since the payment is made immediately.

  9. Health insurance basic actuarial models

    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...

  10. Developing research career indicators using open data: the RISIS infrastructure

    Cañibano, C.; Woolley, R.; Iversen, E.; Hinze, S.; Hornbostel, S.; Tesch, J.

    2016-07-01

    This paper introduces the research infrastructure for rsearch and innovation policy studies (RISIS) and its ongoing work on the development of indicators for research careers. The paper first describes the rationale for developing an information system on research careers. It then uses and example to demonstratate the possibilities arising from aggregating open data from different datasets within the RISIS platform to create new information and monitoring possibilies with regard to research careers. (Author)

  11. Insurability of Terrorism Risks

    Harbruecker, D.

    2006-01-01

    Until 2001 losses caused by terrorist attacks have been covered under fire policies worldwide with two exceptions: Spain and UK where major and multiple losses caused by ETA and IRA had led to specific insurance solutions. The September 11, 2001 attacks on the World Trade Centre have changed the world in many aspects. This includes the insurance industry, which was compelled to exclude terrorism from coverage and to offer special solutions for extra premium. Nuclear power plants have been repeatedly called targets for terrorists as their destruction could cause a large catastrophe and more victims than the September 2001 attacks. How does the insurance industry respond? (author)

  12. The reciprocal dynamic model of career decision ambiguity tolerance with career indecision: A longitudinal three-wave investigation.

    Xu, Hui; Tracey, Terence J G

    2017-10-01

    The current study investigated the dynamic interplay of career decision ambiguity tolerance and career indecision over 3 assessment times in a sample of college students (n = 583). While the previous research has repeatedly shown an association of career decision ambiguity tolerance with career indecision, the direction of this association has not been adequately assessed with longitudinal investigation. It was hypothesized in this study that there is a reciprocal pattern of career decision ambiguity tolerance leading to subsequent career indecision and career indecision leading to subsequent career decision ambiguity tolerance. Using a cross-lagged panel design, this study found support for the reciprocal pattern that aversion to ambiguity led to increased negative affect and choice anxiety in career decision making, while negative affect and choice anxiety led to increased aversion to ambiguity. Additionally, this study revealed that aversion led to decreased readiness for career decision making and readiness for career decision making led to increased interests in new information. The key findings were discussed with respect to the theoretical and clinical implications for career counseling along with limitations and suggestions for future research. (PsycINFO Database Record (c) 2017 APA, all rights reserved).

  13. Insurance billing and coding.

    Napier, Rebecca H; Bruelheide, Lori S; Demann, Eric T K; Haug, Richard H

    2008-07-01

    The purpose of this article is to highlight the importance of understanding various numeric and alpha-numeric codes for accurately billing dental and medically related services to private pay or third-party insurance carriers. In the United States, common dental terminology (CDT) codes are most commonly used by dentists to submit claims, whereas current procedural terminology (CPT) and International Classification of Diseases, Ninth Revision, Clinical Modification (ICD.9.CM) codes are more commonly used by physicians to bill for their services. The CPT and ICD.9.CM coding systems complement each other in that CPT codes provide the procedure and service information and ICD.9.CM codes provide the reason or rationale for a particular procedure or service. These codes are more commonly used for "medical necessity" determinations, and general dentists and specialists who routinely perform care, including trauma-related care, biopsies, and dental treatment as a result of or in anticipation of a cancer-related treatment, are likely to use these codes. Claim submissions for care provided can be completed electronically or by means of paper forms.

  14. Good looks and good practice: the attitudes of career practitioners to attractiveness and appearance

    Yates, Julia; Hooley, Tristram; Kaur Bagri, Kiren

    2016-01-01

    Empirical evidence attests the impact that career image has on objective career success, yet little is known of how career practitioners conceptualise and operationalise this information. This article presents the quantitative findings of an online survey of career practitioners (n = 399, 74% female, 89% white and 75% from the U.K.) exploring their attitudes and practices towards issues of appearance and attractiveness. Career practitioners who participated in this survey acknowledged that be...

  15. EXPERT SYSTEMS - DEVELOPMENT OF AGRICULTURAL INSURANCE TOOL

    NAN Anca-Petruţa

    2013-07-01

    attempt to present the necessity and importance of implementing expert systems in agricultural insurance as a solution of development of the Romanian agricultural sector since insurance play an important role in the stimulation of investments in agriculture and in the stabilization of agricultural producers incomes. The results of the study, at a conceptual level, confirms the necessity of aplying expert systems in agricultural insurance because of the benefits which would be created (informing agricultural producers about the existence and importance of agricultural insurance, the development of the insurance market which would lead to the development of agriculture, creation of new insurance products adapted to the needs of the farmers.

  16. Insuring against health shocks: Health insurance and household choices.

    Liu, Kai

    2016-03-01

    This paper provides empirical evidence on the role of public health insurance in mitigating adverse outcomes associated with health shocks. Exploiting the rollout of a universal health insurance program in rural China, I find that total household income and consumption are fully insured against health shocks even without access to health insurance. Household labor supply is an important insurance mechanism against health shocks. Access to health insurance helps households to maintain investment in children's human capital during negative health shocks, which suggests that one benefit of health insurance could arise from reducing the use of costly smoothing mechanisms. Copyright © 2016 Elsevier B.V. All rights reserved.

  17. Optimum amount of an insurance sum in life insurance

    Janez Balkovec

    2001-01-01

    Full Text Available Personal insurance represents one of the sources of personal social security as a category of personal property. How to get a proper life insurance is a frequently asked question. When insuring material objects (car, house..., the problem is usually not in the amount of the taken insurance. With life insurance (abstract goods, problems as such occur. In this paper, we wish to present a model that, according to the financial situation and the anticipated future, makes it possible to calculate the optimum insurance sum in life insurance.

  18. Nurses of African descent and career advancement.

    Wesley, Yvonne; Dobal, May T

    2009-01-01

    The purpose of this article is to evaluate a leadership institute designed to promote career advancement and leadership in administration, education, and research among nurses of African descent. Government reports indicate that Black Americans receive lower quality health care than other racial groups even when insurance and income are equal. Moreover, the literature suggests that less than 10% of practicing professional nurses in America are Black-and of these, less than 1% are in senior executive leadership positions. However, the literature lacks detailed discussion of the effectiveness of leadership programs. This article provides an in-depth look at a leadership institute for Black nurses and outlines the impact of the program.

  19. Career guidance in communities

    Thomsen, Rie

    for the development of a critically reflexive career guidance practice. The considerations are organised around seven elements. 1. Creating opportunity, structure and access 2. Entering a community and increasing visibility 3. Providing guidance in communities 4. Exploring potentials in guidance situations 5...... in career guidance practices as well as in the lives of the people in the communities. This paper falls into two parts: The first part considers the collective as the starting point for the development of meaningful career guidance activities. Based on previous research on career guidance in communities......The aim of this paper is to inspire practitioners and professionals to leave their offices to bring career guidance into communities that might not identify with career guidance in the first instance. By making the effort to engage with communities, practitioners may bring about a critical change...

  20. Vaccines as Epidemic Insurance.

    Pauly, Mark V

    2017-10-27

    This paper explores the relationship between the research for and development of vaccines against global pandemics and insurance. It shows that development in advance of pandemics of a portfolio of effective and government-approved vaccines does have some insurance properties: it requires incurring costs that are certain (the costs of discovering, developing, and testing vaccines) in return for protection against large losses (if a pandemic treatable with one of the vaccines occurs) but also with the possibility of no benefit (from a vaccine against a disease that never reaches the pandemic stage). It then argues that insurance against the latter event might usefully be offered to organizations developing vaccines, and explores the benefits of insurance payments to or on behalf of countries who suffer from unpredictable pandemics. These ideas are then related to recent government, industry, and philanthropic efforts to develop better policies to make vaccines against pandemics available on a timely basis.

  1. Vaccines as Epidemic Insurance

    Mark V. Pauly

    2017-10-01

    Full Text Available This paper explores the relationship between the research for and development of vaccines against global pandemics and insurance. It shows that development in advance of pandemics of a portfolio of effective and government-approved vaccines does have some insurance properties: it requires incurring costs that are certain (the costs of discovering, developing, and testing vaccines in return for protection against large losses (if a pandemic treatable with one of the vaccines occurs but also with the possibility of no benefit (from a vaccine against a disease that never reaches the pandemic stage. It then argues that insurance against the latter event might usefully be offered to organizations developing vaccines, and explores the benefits of insurance payments to or on behalf of countries who suffer from unpredictable pandemics. These ideas are then related to recent government, industry, and philanthropic efforts to develop better policies to make vaccines against pandemics available on a timely basis.

  2. M. Nuclear insurance

    1976-01-01

    Nuclear insurance and some of the features associated with it, such as the International Conventions and the operation of Atomic Risk Pools, are discussed both in general and with specific reference to the USA, Canada and the United Kingdom

  3. Building and Contents Insurance.

    Freese, William C.

    Insurance coverage of school buildings and contents is becoming increasingly difficult to obtain, and increases of 50 percent or more in the premium are not uncommon. Methods of reducing premium increases are outlined in this speech. (MLF)

  4. HUD Insured Hospitals

    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...

  5. Deductibles in health insurance

    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.

  6. Web-based Academic Roadmaps for Careers in the Geosciences

    Murray, D. P.; Veeger, A. I.; Grossman-Garber, D.

    2007-12-01

    To a greater extent than most science programs, geology is underrepresented in K-12 curricula and the media. Thus potential majors have scant knowledge of academic requirements and career trajectories, and their idea of what geologists do--if they have one at all--is outdated. We have addressed these concerns by developing a dynamic, web-based academic roadmap for current and prospective students, their families, and others who are contemplating careers in the geosciences. The goals of this visually attractive "educational pathway" are to not only improve student recruitment and retention, but to empower student learning by creating better communication and advising tools that can render our undergraduate program transparent for learners and their families. Although we have developed academic roadmaps for four environmental and life science programs at the University of Rhode Island, we focus here on the roadmap for the geosciences, which illustrates educational pathways along the academic and early-career continuum for current and potential (i.e., high school) students who are considering the earth sciences. In essence, the Geosciences Academic Roadmap is a "one-stop'" portal to the discipline. It includes user- friendly information about our curriculum, outcomes (which at URI are tightly linked to performance in courses and the major), extracurricular activities (e.g., field camp, internships), careers, graduate programs, and training. In the presentation of this material extensive use is made of streaming video, interviews with students and earth scientists, and links to other relevant sites. Moreover, through the use of "Hot Topics", particular attention is made to insure that examples of geoscience activities are not only of relevance to today's students, but show geologists using the modern methods of the discipline in exciting ways. Although this is a "work-in-progress", evaluation of the sites, by high school through graduate students, has been strongly

  7. Career Path Suggestion using String Matching and Decision Trees

    Nagpal, Akshay; P. Panda, Supriya

    2015-05-01

    High school and college graduates seemingly are often battling for the courses they should major in order to achieve their target career. In this paper, we worked on suggesting a career path to a graduate to reach his/her dream career given the current educational status. Firstly, we collected the career data of professionals and academicians from various career fields and compiled the data set by using the necessary information from the data. Further, this was used as the basis to suggest the most appropriate career path for the person given his/her current educational status. Decision trees and string matching algorithms were employed to suggest the appropriate career path for a person. Finally, an analysis of the result has been done directing to further improvements in the model.

  8. Effective career ladders.

    Bryant, B; Rabbitts, D; Shover, J; Torres, M; VanDerHeyden, B; Violand-Jones, S

    1992-01-01

    Motivation, quality improvement, productivity enhancement. These are just some of the benefits of an effective career ladder program. The key term here is effective. It is easy for laboratory personnel to stagnate professionally if they do not have a career ladder program, but it is even easier for them to become frustrated--even cynical--over a program that fails to live up to its expectations to encourage, support, and reward professional advancement. If you have been looking form some ideas to get your own career ladder program off the ground, the following responses from your colleagues may help as CLMR asks: What makes your career ladder program effective?

  9. HEALTH INSURANCE RULES OF THE CERN HEALTH INSURANCE SCHEME

    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

  10. Health Insurance Rules of the CERN Health Insurance scheme

    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.

  11. A systems theory approach to career development: Exploring factors that affect science as a career choice

    Liskey, Brian K.

    This research project was designed to examine the factors that affect students' choice in a career. Specifically, the factors of (a) achievement, (b) interest, (c) self-efficacy, (d) perceived preparation for a career, and (e) being informed about a career will be under investigation. Of key importance to the study is how these factors can affect a student's perception about choosing a science career. A quantitative analysis of secondary data from the 2006 and 2009 Program for International Student Assessment (PISA) international assessment and attitudinal questionnaire provided data on student perceptions and aptitude in science. The sample from PISA included over 400,000 15 year-old students from 57 countries. From the 57 countries, 30 countries, comprised by Organization for Economic and Cooperative Development (OECD), were isolated for analysis. Within this group of 30, 11 were selected for comparison based on their questionnaire response to expectations for a career in science at age 30. The Institute for Educational Science's, International Data Explorer was utilized to acquire and analyze data from the 2006 and 2009 PISA international tests and questionnaires to determine significance between scaled scores and PISA indices. Variables were chosen as factors affecting student's perception on various systems outlined by the Systems Theory of Career Development (Patton & McMahon, 1997) and the Systems Theory of Career Development Framework (Patton & McMahon, 1999). Four country groups were established based on student responses to question 30a from the 2006 PISA attitudinal questionnaire, which asks what career students expected to have at age 30. The results from comparing country groups showed that countries in Group A, which showed the highest values for students expecting a career in science, also had the highest average values for achievement on the PISA science literacy assessment. Likewise, countries that had the lowest values for expecting a career in

  12. Promoting Access to Health Insurance through a Multistate Extension Collaboration

    Joan Koonce

    2017-03-01

    Full Text Available This paper describes a multistate project that addressed the growing need for health insurance information for individuals by focusing on the Affordable Care Act (ACA and health insurance education and outreach efforts in targeted areas of the country in federally-facilitated marketplaces with high numbers of uninsured and underinsured individuals. Specifically, the project provided ACA and health insurance information to individuals in formal and informal settings to assist them in choosing a health insurance plan through the Marketplace. Education and outreach activities included group workshops and presentations, Q&A sessions, and panel discussions; one-on-one in-person consultations, phone consultations, and email consultations; and information provided through websites, blog posts, Facebook posts, tweets, YouTube videos, email blasts, newsletters, newspaper articles, and radio and TV programs. Health insurance enrollment assistance was provided by volunteers and some Extension educators or referrals were made to Navigators or Certified Application Counselors for enrollment assistance.

  13. The influence of career orientations on subjective work experiences

    Melinde Coetzee

    2010-11-01

    Research purpose: The study empirically assessed the causal influence of individuals’ career orientations on their perceived life satisfaction, job or career satisfaction, sense of happiness and their perceptions of work as a valuable activity as aspects of their subjective work experiences. Motivation for study: From an organisational perspective, research on individuals’ inner definitions of career success and satisfaction is needed to guide current selection, placement, development, reward and retention practices. Research design, approach and method: A quantitative survey was conducted on a random sample of 2997 participants at predominantly managerial and supervisory level in the service industry. The measuring instruments consisted of an adapted five-factor career orientations model of the Career Orientations Inventory and a 4-item global subjective work experiences scale. Structural equation modelling (SEM was conducted to achieve the aim of the study. Main findings/results: Statistically significant causal relationships were observed between the career orientations and subjective work experiences variables. Practical implications: Individuals’ career orientations influence their general sense of life and job or career satisfaction, happiness and perceptions of work as a valuable activity. Organisations concerned with the retention of staff need to find a way of aligning individuals’ career needs and motives with the goals and aspirations of the organisation. Contribution/value-add: The research confirms the need for assessing the inner career orientations of employees as these provide valuable information regarding the motives and values driving individuals’ career decision making and subjective experiences of their working lives.

  14. Facilitating Consumer Learning in Insurance Markets

    Lagerlöf, Johan N. M.; Schottmüller, Christoph

    2018-01-01

    We model a monopoly insurance market where consumers can learn their accident risks at a cost c. We then ask: What are the welfare effects of a policy that reduces c? If c is sufficiently small (c consumer gathers information. For c ... and consumer benefit from a policy that reduces c further. For c > c*, marginally reducing c hurts the insurer and weakly benefits the consumer. Finally, a reduction in c that is “successful,” meaning that the consumer gathers information after the reduction but not before it, can hurt both parties....

  15. Protean career: perspectives of study

    Litvinova Ye.Yu.

    2013-06-01

    Full Text Available The article analyzes different approaches to study of models of constructing the employment career in current environment. The changes having taken place in interrelationsbetween employees and organizations over recent 15 years led to changes in their mutual expectations including the ones concerning the career development. Boundaryless career based on career mobility and protean career based on subjective understanding of career success are regarded as alternatives to traditional careers. The main attributes of “new careers” are: an increased independence in employee-organization dyads, low level of mutual obligations, freedom of choice, self-actualization, priority of career loyalty and self-management in contrast to organization loyalty. Changes in career conceptualizing inevitably led to revision of career competences. Traditional professional competences give way to career meta-competences like adaptiveness, capacity for education, self-management, taking responsibility. At the same time empirical studies displaya prematurity of statements about the expressed loss of interest to traditional careers.

  16. Card Sort Technique in Vocational Guidance/Career Counseling: Pilot Study about Career Values

    Tülin ACAR

    2009-08-01

    Full Text Available The purpose of this study was to develop and to pilot a not-test technique for assessing career and work values. This instrument was developed during a Career Counseling course taught by one of the authors of this paper. The first stage of development was the generation of a master list of career and work values, as reflected in the current literature related to theories and vocational research. From this master list 38 career values were selected resulting in the final deck that was used in testing. This deck of cards was given the name Career Values Cards (MEDEK and administered to a total of 75 high school students. Following administration each of the subjects was asked to complete a MEDEK evaluation form designed to assess reactions to the MEDEK experience. Results of the survey indicated that the MEDEK was an easy-to-use, understandable, and enjoyable technique to increase self-awareness and enhance insight, and a source of important information for students engaged in career counseling and career development by enhancing personal identification of personal career and work values.

  17. Willingness to Pay for Complementary Health Care Insurance in Iran.

    Nosratnejad, Shirin; Rashidian, Arash; Akbari Sari, Ali; Moradi, Najme

    2017-09-01

    Complementary health insurance is increasingly used to remedy the limitations and shortcomings of the basic health insurance benefit packages. Hence, it is essential to gather reliable information about the amount of Willingness to Pay (WTP) for health insurance. We assessed the WTP for health insurance in Iran in order to suggest an affordable complementary health insurance. The study sample consisted of 300 household heads all over provinces of Iran in 2013. The method applied was double bounded dichotomous choice and open-ended question approach of contingent valuation. The average WTP for complementary health insurance per person per month by double bounded dichotomous choice and open-ended question method respectively was 199000 and 115300 Rials (8 and 4.6 USD, respectively). Household's heads with higher levels of income and those who worked had more WTP for the health insurance. Besides, the WTP increased in direct proportion to the number of insured members of each household and in inverse proportion to the family size. The WTP value can be used as a premium in a society. As an important finding, the study indicated that the households were willing to pay higher premiums than currently collected for the complementary health insurance coverage in Iran. This offers the policy makers the opportunity to increase the premium and provide good benefits package for insured people of country then better risk pooling.

  18. Health Inequality and Careers

    Robertson, Peter J.

    2014-01-01

    Structural explanations of career choice and development are well established. Socioeconomic inequality represents a powerful factor shaping career trajectories and economic outcomes achieved by individuals. However, a robust and growing body of evidence demonstrates a strong link between socioeconomic inequality and health outcomes. Work is a key…

  19. Procurement Career Management Handbook.

    Department of the Treasury, Washington, DC.

    This handbook is the result of the Treasury Department's efforts to increase professionalism among its procurement employees nationwide through its Procurement Career Management Program. First, the scope and objectives of the Procurement Career Management Program are discussed. The remaining sections of the handbook deal with the following program…

  20. Career Development of Women.

    Gorman, Anna M., Ed.; Vetter, Louise, Ed.

    The five major papers whose full texts are included address themselves to various topics that can influence the lives of women in their career choices and advancement. Federal Legislation: Impact on Women's Careers, Mary Allen Jolley, discusses sex discrimination, legal gains made over the past 10 years, sex role stereotyping, and vocational…

  1. RISK CORRIDORS AND REINSURANCE IN HEALTH INSURANCE MARKETPLACES: Insurance for Insurers

    LAYTON, TIMOTHY J.; MCGUIRE, THOMAS G.; SINAIKO, ANNA D.

    2016-01-01

    In order to encourage entry and lower prices, most regulated markets for health insurance include policies that seek to reduce the uncertainty faced by insurers. In addition to risk adjustment of premiums paid to plans, the Health Insurance Marketplaces established by the Affordable Care Act implement reinsurance and risk corridors. Reinsurance limits insurer costs associated with specific individuals, while risk corridors protect against aggregate losses. Both tighten the insurer's distribut...

  2. Studi Tentang Work Life Balance dan Kepuasan Karir Pekerja Wanita di Jakarta [A Study of Work-Life Balance and Career Satisfaction of Working Women in Jakarta

    Sylvia Diana Purba; Levi Nilawati

    2015-01-01

    This research proposes to find out the influence of availability of career information on career satisfaction of career woman in Jakarta, Participants in this study are 199 women, consist of lecturers, doctors, police women, bank employees, etc. Work-life balance, awareness of organizational plans for self, and match between individual and organizational career plans are used as mediating variables on the impact of availability of career information toward career satisfaction. Research findin...

  3. Data Analytic Process of a Nationwide Population-Based Study on Obesity Using the National Health Information Database Presented by the National Health Insurance Service 2006-2015

    Yang-Hyun Kim

    2017-03-01

    Full Text Available Background : In Korea, the prevalence of obesity has steadily increased, and the socioeconomic burden of obesity has increased along with it. In 2015, the National Health Insurance Service (NHIS signed a memorandum of understanding with the Korean Society for the Study of Obesity (KSSO, providing limited open access to its databases so that the status of obesity and obesity management could be investigated. Methods : Using NHIS databases, we analyzed nationwide population-based studies for obesity using the definition of obesity (body mass index ≥25 kg/m² in subjects over the age of 20. Age and sex standardization were used for all data. Results : The KSSO released the ‘Obesity Fact Sheet 2016’ using the 2006-2015 NHIS Health Checkup database. The prevalence of obesity steadily increased from 28.7% in 2006 to 32.4% in 2015, and the prevalence of abdominal obesity also steadily increased from 18.4% in 2009 to 20.8% in 2015. The prevalence of class II obesity steadily increased from 2006 to 2015, such that the total prevalence was 4.8% in 2015 (5.6% in men and 4.0% in women. The highest prevalence of obesity was found in Jeju Island, while the lowest prevalence was found in Daegu City. The highest prevalence of abdominal obesity was also found in Jeju Island, while the lowest prevalence was found in Gwangju City. Conclusion : Based on the Obesity Fact Sheet 2016, a strategy for reducing the prevalence of obesity is needed, especially in Korean men.

  4. Security careers skills, compensation, and career paths

    Walker, Stephen W

    2014-01-01

    The third edition of Security Careers is the authoritative reference for current job descriptions and pay practices of security, compliance, ethics, environmental, health and safety occupations. The job descriptions and compensation ranges in this report are drawn from research from the Foushée Group, which has been conducting this research since 1980. Security Careers includes more than 75 job descriptions for security-related positions, which range from the entry-level security guard to the top global corporate executive. It also provides four years of compensation trend data to give a th

  5. Career profiles in the oilsands

    Ball, C.G.

    2009-07-15

    This career profile provided details of the owner of Detector Dog Services International, a company that uses trained dogs to detect drugs in oil and gas operations. When drugs are detected, the camp manager is informed, and personnel are then required to complete a rehabilitation program. Belgian shepherds, Labrador retrievers, and springer spaniels are used. The dogs are sometimes selected from the local animal protection service and are trained using kits containing controlled substances used by Health Canada for drug detector training purposes. The dogs are typically trained for a period of 4 weeks. It was concluded that a knowledge of law and human rights is required for personnel interested in drug detection careers. Individuals with law enforcement backgrounds are also preferred. 1 fig.

  6. ENDOWMENT LIFE INSURANCE

    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.

  7. Serbian insurance market: Select issues

    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.

  8. Dental insurance! Are we ready?

    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.

  9. A factor analytic study of adult career concerns, career status and career resilience

    2008-01-01

    D. Litt. et Phil. Factor analytic techniques were used to investigate the psychometric properties of three measuring instruments, namely the Adult Career Concerns Inventory (Super, Thompson & Lindeman, 1988), the Career Attitudes and Strategies Inventory (Holland & Gottfredson, 1994), and the Career Resilience Questionnaire (Fourie & Van Vuuren, 1998). The analyses served the purpose of elucidating the conceptual meanings of the constructs of career concerns, career status and career resil...

  10. 75 FR 37242 - Requirements for Group Health Plans and Health Insurance Issuers Under the Patient Protection and...

    2010-06-28

    ... Requirements for Group Health Plans and Health Insurance Issuers Under the Patient Protection and Affordable... Labor and the Office of Consumer Information and Insurance Oversight of the U.S. Department of Health... guidance to employers, group health plans, and health insurance issuers providing group health insurance...

  11. Managing Career Development in the Not for Profit Sector

    Maher, Chi

    2009-01-01

    This paper provides a report on a pilot study that was conducted to inform a DBA research project. It will investigate employee perceptions of their career development in the not-for-profit (NFP) sector. Theoretical and empirically based literature searches were conducted on career development for this study. Some researchers argue that the old career model (which involves an employee working for an organisation and committed to the organisation and in turn, the organisation offers the employ...

  12. Corporate social responsibility in the international insurance industry

    Scholtens, B.

    2011-01-01

    This paper investigates the corporate social responsibility (CSR) of insurance companies. Rating institutions provide costly information about firms' CSR and it is not clear how they arrive at their assessment. We use a transparent framework to assess the CSR of insurance companies. We apply this

  13. 75 FR 41877 - Insured Healthcare Facilities 232 Loan Application

    2010-07-19

    ... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5376-N-65] Insured Healthcare Facilities 232 Loan Application AGENCY: Office of the Chief Information Officer, HUD. ACTION: Notice. SUMMARY... Proposal: Insured Healthcare Facilities 232 Loan Application. OMB Approval Number: 2502-New. Form Numbers...

  14. 75 FR 16821 - Insured Healthcare Facilities 232 Loan Application

    2010-04-02

    ... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5376-N-23] Insured Healthcare Facilities 232 Loan Application AGENCY: Office of the Chief Information Officer, HUD. ACTION: Notice. SUMMARY...: Title of Proposal: Insured Healthcare Facilities 232 Loan Application. OMB Approval Number: 2502-New...

  15. 78 FR 17612 - Health Insurance Providers Fee; Correction

    2013-03-22

    ... Health Insurance Providers Fee; Correction AGENCY: Internal Revenue Service (IRS), Treasury. ACTION... guidance on the annual fee imposed on covered entities engaged in the business of providing health insurance for United States health risks. FOR FURTHER INFORMATION CONTACT: Charles J. Langley, Jr. at (202...

  16. Insurance against nuclear risks

    Dow, J.C.

    1976-01-01

    Virtually any type of nuclear risk is insurable in principle, providing, of course, that the necessary standards of safety and control are met. Some of the risks are of a relatively minor character and no more hazardous than a simple conventional risk. But insurers would not consider as a minor risk anything which involves the use of nuclear fuel or other nuclear materials which are in a critical state or capable of releasing dangerous levels of radioactivity. These would include nuclear reactors or, indeed, any type of assembly which can not be regarded as subcritical. Most insurers would also regard installations involved in the manufacturing, processing and enriching of nuclear fuel, and certainly those concerned with the reprocessing of irradiated fuel and plutonium extraction, as major risks. (HP) [de

  17. Social Cognitive Career Theory and Middle School Student Career Exploration

    Sickinger, Pamela H.

    2013-01-01

    Within the framework of social cognitive career theory, social cognitive career variables, demographic variables, and the contextual variable, parent support, were examined to determine their predictive value for eighth-grade students' career exploration behavior. Results suggest that the social cognitive career variable, intentions/goals,…

  18. Nuclear insurance and indemnity

    Kovan, D.

    1976-01-01

    A brief account is given of insurance protection in the nuclear industry, and the legislation involved. Aspects discussed are: third part liability and the role of government in setting the maximum amount of compensation; the development and concept of channelling the liability exclusively to the operator; the development of nuclear insurance facilities in Europe and the USA; and the emergence in Europe of international agreements on third party liability for protection of neighbouring countries in the event of a major accident. The development of liability law in the USA from the time of the Price Anderson Act of 1957 through subsequent legislation is described. (U.K.)

  19. American nuclear insurers

    Oliveira, R.A.

    1988-01-01

    Nuclear liability insurance covers liability for damages directly caused by the nuclear energy hazard. This coverage includes offsite bodily injury and property damage sustained by members of the general public, and bodily injury to onsite third party personnel. Recent nuclear liability claims allege bodily injury and property damage resulting from releases or radioactive materials to the environmental and occupational radiation worker exposures. Routine reactor operations involving radioactive waste have the potential to result in such claims. The nuclear insurance Pools believe that one way such claims can be minimized is through the implementation of an effective radioactive waste management program

  20. Lectures on insurance models

    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.

  1. Counseling as an Insured Benefit: Perspectives from the Insurance Industry

    Fulton, Wallace C.

    1974-01-01

    Article discusses the feasibility of marriage counseling as an insurance benefit in the future. It is suggested that the physician be used as a marriage counselor in that insurance companies will pay for medical services. (EK)

  2. Disability Insurance and Health Insurance Reform: Evidence from Massachusetts

    Nicole Maestas; Kathleen J. Mullen; Alexander Strand

    2014-01-01

    As health insurance becomes available outside of the employment relationship as a result of the Affordable Care Act (ACA), the cost of applying for Social Security Disability Insurance (SSDI)–potentially going without health insurance coverage during a waiting period totaling 29 months from disability onset–will decline for many people with employer-sponsored health insurance. At the same time, the value of SSDI and Supplemental Security Income (SSI) participation will decline for individuals...

  3. BUSINESS PROCESS MANAGEMENT IN INSURANCE CASE OF JADRANSKO INSURANCE COMPANY

    Sanja Coric; Danijel Bara

    2014-01-01

    Selling insurance products in conditions of today’s modern technological solutions is faced with numerous challenges. Business processes in insurance as well as the results of these business processes are the real interface to policyholders. Modeling and analysis of business process in insurance ensure organizations to focus on the customer and increase the efficiency and quality of work. Managing critical business processes in every single organization, likewise in insurance is a key factor ...

  4. Knightian uncertainty and insurance regulation decision

    Chen, A.; Su, X.

    2008-01-01

    In contrast to insurance companies, regulatory authorities or regulators can obtain only limited information about the companies' value. It hence leads to some effects on the regulation design, which is however often overlooked in the literature. This paper characterizes the limited/imperfect

  5. Community-based health insurance knowledge, concern ...

    Community-based health insurance knowledge, concern, preferences, and financial planning for health care among informal sector workers in a health district of Douala, Cameroon. ... This is mainly due to the lack of awareness and limited knowledge on the basic concepts of a CBHI by this target population. Solidarity ...

  6. Undergraduate female science-related career choices: A phenomenological study

    Curry, Kathy S.

    This qualitative phenomenological study used a modified Groenewald's five steps method with semi-structured, recorded, and transcribed interviews to focus on the underrepresentation of females in science-related careers. The study explored the lived experiences of a purposive sample of 25 senior female college students attending a college in Macon, Georgia. Ten major themes emerged from the research study that included (a) journey to a science-related career; (b) realization of career interest; (c) family support (d) society's role; (e) professors' treatment of students; (f) lack of mentors and models; (g) gender and career success; (h) females and other disadvantages in science-related careers; (i) rewards of the journey; and (j) advice for the journey. The three minor themes identified were (a) decision-making; (b) career awareness; and (c) guidance. The key findings revealed that females pursuing a science degree or subsequent science-related career, shared their experience with other females interested in science as a career choice, dealt with barriers standing in the way of their personal goals, lack role models, and received little or no support from family and friends. The study findings may offer information to female college students interested in pursuing science-related careers and further foundational research on gender disparities in career choice.

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

    2013-09-13

    ... as a potential global deposit insurer, preserve confidence in the FDIC deposit insurance system, and... the United States.\\2\\ The FDIC generally pays out deposit insurance on the next business day after a... since 2001 and total approximately $1 trillion today. In many cases, these branches do not engage in...

  8. Career Exploration among College Students

    Fouad, Nadya A.; Ghosh, Arpita; Chang, Wen-hsin; Figueiredo, Catia; Bachhuber, Thomas

    2016-01-01

    College is a significant time for undergraduates to declare majors and choose career paths. For many undergraduates, choosing both a major and a career path is challenging. Research shows that many universities deliver career interventions through dedicated career decision-making courses (Mead & Korschgen, 1994). However, there has been…

  9. Dimensionality of Women's Career Orientation.

    Marshall, Sandra J.; Wijting, Jan P.

    1982-01-01

    Factor analysis of data from two samples identified nine indices of women's career orientation. Two factors accounted for significant variance common to the indices: career centeredness, which reflects the importance attached to a career relative to other life activities, and career commitment, which implies a commitment to lifetime employment.…

  10. Role Induction in Career Counseling

    Fouad, Nadya A.; Kantamneni, Neeta; Chen, Yung-Lung; Novakovic, Alexandra; Guillen, Amy; Priester, Paul E.; Henry, Caroline; Terry, Sarah

    2007-01-01

    Many vocational psychologists advocate addressing career as well as personal concerns in career counseling. However, some clients may have inappropriate expectations toward career counseling and may not be prepared or want to discuss personal issues. This study examined whether perceptions of the career counseling process could be modified with…

  11. Willingness to Pay for Insurance in Denmark

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

    2016-01-01

    Danish population, and information on household income and wealth from registers at Statistics Denmark. The results show that the willingness to pay is marginally higher than the actuarially fair value under expected utility theory, but significantly higher under rank-dependent utility theory, and up......We estimate how much Danish households are willing to pay for auto, home, and house insurance. We use a unique combination of claims data from a large Danish insurance company, measures of individual risk attitudes and discount rates from a field experiment with a representative sample of the adult...

  12. Price-Anderson Act and nuclear insurance

    Long, J.D.; Long, D.P.

    1979-01-01

    The nuclear incident at Three Mile Island has served to intensify debate about elimination of the federal limit on liability of utilities (and others) for operation of private nuclear reactions and about elimination of possible federal indemnification of utilities (or others) for claims paid in nuclear incidents. Not all those who debate these issues appear to be fully informed about the present nuclear liability and insurance system. This paper provides a brief description of the Price-Anderson Act, as amended, and of the operation of the nuclear insurance pools. It also includes a comment on the recent federal district court award against the Kerr-McGee Corporation

  13. Voluntary Public Unemployment Insurance

    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...

  14. Consumers’ Collision Insurance Decisions

    Austin, Laurel; Fischhoff, Baruch

    Using interviews with 74 drivers, we elicit and analyse how people think about collision coverage and, more generally, about insurance decisions. We compare the judgments and behaviours of these decision makers to the predictions of a range of theoretical models: (a) A model developed by Lee (200...

  15. Trends in pension insurance

    D. Shterev

    2017-12-01

    Full Text Available This article deals with a topical for our country problem which is related to the State Social Insurance. It provides a review of the factors having an adverse effect onto the financial state of the Bulgarian pension system. Discussed are the basic parameters related to the economic incentives in connection with the optimal functioning of the pension system

  16. HOUSING INSURANCE IN ROMANIA

    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.

  17. Business intelligence for insurance companies

    IGNATIUK A.

    2016-01-01

    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.

  18. BUSINESS INTELLIGENCE FOR INSURANCE COMPANIES

    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.

  19. Studi Tentang Work Life Balance dan Kepuasan Karir Pekerja Wanita di Jakarta [A Study of Work-Life Balance and Career Satisfaction of Working Women in Jakarta

    Sylvia Diana Purba

    2015-09-01

    Full Text Available This research proposes to find out the influence of availability of career information on career satisfaction of career woman in Jakarta, Participants in this study are 199 women, consist of lecturers, doctors, police women, bank employees, etc. Work-life balance, awareness of organizational plans for self, and match between individual and organizational career plans are used as mediating variables on the impact of availability of career information toward career satisfaction. Research finding shows that work-life balance and awareness of organizational plans have no significant effects as mediating variables on the impact of the availability of career information toward career satisfaction. Meanwhile, the match between individual and organizational career plans have a significant effect as a weak mediating variable. Work-life balance issues seem not to be a concern informing career satisfaction among career women in Indonesia.

  20. Policy and system strategies in promoting child health information systems, including the role of Medicaid, the state children's health insurance program, and public financing.

    MacTaggart, Patricia; Bagley, Bruce

    2009-01-01

    Government, through its unique roles as regulator, purchaser, provider, and facilitator, has an opportunity and an obligation to play a major role in accelerating the implementation of electronic health record systems and electronic health information exchange. Providers, who are expected to deliver appropriate care at designated locations at an appropriate cost, are dependent on health information technology for efficient effective health care. As state and federal governments move forward with health care purchasing reforms, they must take the opportunity to leverage policy and structure and to align incentives that enhance the potential for provider engagement in electronic health record adoption.

  1. PREMIUMS CALCULATION FOR LIFE INSURANCE

    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. Financial risk protection from social health insurance.

    Barnes, Kayleigh; Mukherji, Arnab; Mullen, Patrick; Sood, Neeraj

    2017-09-01

    This paper estimates the impact of social health insurance on financial risk by utilizing data from a natural experiment created by the phased roll-out of a social health insurance program for the poor in India. We estimate the distributional impact of insurance on of out-of-pocket costs and incorporate these results with a stylized expected utility model to compute associated welfare effects. We adjust the standard model, accounting for conditions of developing countries by incorporating consumption floors, informal borrowing, and asset selling which allow us to separate the value of financial risk reduction from consumption smoothing and asset protection. Results show that insurance reduces out-of-pocket costs, particularly in higher quantiles of the distribution. We find reductions in the frequency and amount of money borrowed for health reasons. Finally, we find that the value of financial risk reduction outweighs total per household costs of the insurance program by two to five times. Copyright © 2017. Published by Elsevier B.V.

  3. The insurance industry and unconventional gas development: Gaps and recommendations

    Wetherell, Daniel; Evensen, Darrick

    2016-01-01

    The increasingly growing and controversial practice of natural gas development by horizontal drilling and high volume hydraulic fracturing (‘fracking’) faces a severe environmental insurance deficit at the industry level. Part of this deficit is arguably inherent to the process, whereas another part is caused by current risk information shortfalls on the processes and impacts associated with development. In the short and long terms, there are several conventional and unconventional methods by which industry-level and governmental-level policy can insure against these risks. Whilst academic attention has been afforded to the potential risks associated with unconventional natural gas development, little consideration has been given to the lack of insurance opportunities against these risks or to the additional risks promulgated by the dearth of insurance options. We chronicle the ways in which insurance options are limited due to unconventional gas development, the problems caused by lack of insurance offerings, and we highlight potential policy remedies for addressing these gaps, including a range of government- and industry-specific approaches. - Highlights: •A gap exists in provision of liability insurance for ‘fracking’-related risks. •The market gap is due primarily to uncertainties about probabilistic risk. •Insurance for risks similar to ‘fracking’ highlight potential policy options. •Government regulation and/or industry agreements can effectively fill the gap. •Policies on insurance and liability coverage necessitate ethical considerations.

  4. Balancing Family and Career

    Andam, Aba Bentil; Dawson, Silvina Ponce; Horton, K. Renee; Sandow, Barbara

    2005-10-01

    In essentially all countries, responsibilities for child care, cooking, cleaning, and other homemaking tasks fall predominantly on the wife and mother. In addition, the childbearing years come during the period when a physicist must study hard, work long hours on research, and take temporary positions, often abroad. Thus, balancing family and career has long been one of the major barriers to women's participation in science and engineering fields, including physics. While many young women believe that they must choose between having children and having a science career, the fact is that the majority of women physicists in both developing and developed countries have successfully done both. This paper summarizes some ideas and recommendations raised in discussions, especially focused on easing the challenges of having children while in temporary jobs, returning to physics after a career break, the need for "family-friendly" working conditions, and the dual-career problem facing couples where both are scientists.

  5. Athletes’ careers across cultures

    Ryba, Tatiana; Stambulova, Natalia

    This symposium will introduce a project developed under the auspices of the International Society of Sport Psychology (ISSP) in an effort to inspire and support the development of culturally sensitive theoretical frameworks and research methodologies in career studies and career assistance services...... around the world. The cultural approach to the theory and practice of sport psychological research has been recently articulated in two edited books, Cultural Sport Psychology (Schinke & Hanrahan, 2009) and The Cultural Turn in Sport Psychology (Ryba, Schinke, & Tenenbaum, 2010). The presenters...... in this symposium continue the initiated dialogue of the relevance of culture and cultural issues in their analyses of how social and cultural discourses shape career development and career transitions of athletes in different countries. Opening the foundations of sport psychological knowledge to culturally diverse...

  6. Insights on STEM Careers

    Wendelberger, Joanne Roth [Los Alamos National Lab. (LANL), Los Alamos, NM (United States)

    2014-11-05

    This presentation will provide career advice for individuals seeking to go beyond just having a job to building a successful career in the areas of Science, Technology, Engineering, and Mathematics. Careful planning can be used to turn a job into a springboard for professional advancement and personal satisfaction. Topics to be addressed include setting priorities, understanding career ladders, making tough choices, overcoming stereotypes and assumptions by others, networking, developing a professional identify, and balancing a career with family and other personal responsibilities. Insights on the transition from individual technical work to leadership will also be provided. The author will draw upon experiences gained in academic, industrial, and government laboratory settings, as well as extensive professional service and community involvement.

  7. Composing and Arranging Careers

    Schwartz, Elliott; And Others

    1977-01-01

    With the inspiration, the originality, the skill and craftsmanship, the business acumen, the patience, and the luck, it's possible to become a classical composer, pop/rock/country composer, jingle composer, or educational composer. Describes these careers. (Editor/RK)

  8. A smashing career choice

    Battersby, Stephen

    2007-01-01

    "There's more diversity in physics careers than you might think. Stephen Battersby talks to three very different phsicists, all doing their bit to help us learn more about the world we live in." (2 pages)

  9. Premium Forecasting of an Insurance Company: Automobile Insurance

    Fouladvand, M. Ebrahim; Darooneh, Amir H.

    2002-01-01

    We present an analytical study of an insurance company. We model the company's performance on a statistical basis and evaluate the predicted annual income of the company in terms of insurance parameters namely the premium, total number of the insured, average loss claims etc. We restrict ourselves to a single insurance class the so-called automobile insurance. We show the existence a crossover premium p_c below which the company is loss-making. Above p_c, we also give detailed statistical ana...

  10. Career and Technical Education at a Crossroads: A Delphi Study

    Cutright, Michael W.

    2011-01-01

    Career and technical education in the United States has reached a critical juncture. A three round Delphi method was used to determine a consensus on the future events of career and technical education to better inform educational decision makers. Forty-one individual experts in the field were invited to serve as panelists for the Delphi study and…

  11. Women in Nontraditional Careers: Setting Them Up to Succeed.

    Stenberg, Laurie; Tuchscherer, Jerry

    1992-01-01

    Idaho's Nontraditional-by-Gender Scholarship Program includes the following elements of success: provision of realistic information to women about jobs, support groups and peer advisors, placement, career fairs and on-campus interviews, business-labor-education partnerships, and career guidance and counseling. (SK)

  12. Women Administrators: Careers, Self-Perceptions, and Mentors.

    Hepner, Marilyn M.; Faaborg, Linda W.

    This report presents an analysis and interpretation of responses from women administrators in higher education concerning influences on their careers, professional mobility, and self-perceptions. Issues discussed include the inadequacy of information concerning women administrators, influences on career growth, differences between academic and…

  13. Careers in Fashion. Teacher Edition. Marketing Education LAPs.

    Hawley, Jana

    This learning activity packet is designed to help students to acquire a competency, namely: how to use knowledge of careers in the fashion industry to gain information about their career choices. The unit consists of the competency, three objectives, suggested learning activities, transparency masters, handout materials for activities, and a…

  14. Knowing the Community: Women Planning Careers in Educational Leadership

    Sperandio, Jill

    2015-01-01

    Women aspiring to be principals and superintendents in the U.S. public school system have little information concerning optimum career paths to leadership. This article considers recent research and theory regarding career planning in the context of K-12 schools, and the different approaches adopted by male and female aspirants. The choice of…

  15. Putting Action Back into Action Planning: Experiences of Career Clients

    Borgen, William A.; Maglio, Asa-Sophia T.

    2007-01-01

    This study used the critical incident technique to investigate what helped and hindered unemployed and career-changing people in implementing the action plans they developed while participating in career or employment counseling. Information from interviews with 23 women and 16 men generated 9 categories of helping incidents and 9 categories of…

  16. Studying historical occupational careers with multilevel growth models

    Schulz, W.; Maas, I.

    2010-01-01

    In this article we propose to study occupational careers with historical data by using multilevel growth models. Historical career data are often characterized by a lack of information on the timing of occupational changes and by different numbers of observations of occupations per individual.

  17. Career Anchors: Results of an Organisational Study in the UK.

    Yarnall, Jane

    1998-01-01

    Career anchors of 374 British employees were identified using Schein's questionnaire. Age, gender, and length of service had no significant effect on distribution of anchors. Job level had some relationship. The information could be used to determine appropriate career-development strategies. (SK)

  18. Future Careers in Geoscience

    van der Vink, G. E.; van der Vink, G. E.

    2001-05-01

    A new generation of Geoscientists are abandoning the traditional pathways of oil exploration and academic research to pursue careers in public policy, international affairs, business, education and diplomacy. They are using their backgrounds in Geoscience to address challenging, multi-disciplinary problems of societal concern. To prepare for such careers, students are developing a broad understanding of science and a basic literacy in economics, international affairs, and policy-making.

  19. 75 FR 71564 - Defense Federal Acquisition Regulation Supplement; Contractor Insurance/Pension Review (DFARS...

    2010-11-24

    ... Federal Acquisition Regulation Supplement; Contractor Insurance/Pension Review (DFARS Case 2009-D025... conducting a Contractor Insurance/Pension Review from Procedures, Guidance, and Information (PGI) to the... This final rule relocates requirements for Contractor Insurance/ Pension Review to DFARS 242.7302 from...

  20. Carolinas Energy Career Center

    Classens, Anver; Hooper, Dick; Johnson, Bruce

    2013-03-31

    Central Piedmont Community College (CPCC), located in Charlotte, North Carolina, established the Carolinas Energy Career Center (Center) - a comprehensive training entity to meet the dynamic needs of the Charlotte region's energy workforce. The Center provides training for high-demand careers in both conventional energy (fossil) and renewable energy (nuclear and solar technologies/energy efficiency). CPCC completed four tasks that will position the Center as a leading resource for energy career training in the Southeast: • Development and Pilot of a New Advanced Welding Curriculum, • Program Enhancement of Non-Destructive Examination (NDE) Technology, • Student Support through implementation of a model targeted toward Energy and STEM Careers to support student learning, • Project Management and Reporting. As a result of DOE funding support, CPCC achieved the following outcomes: • Increased capacity to serve and train students in emerging energy industry careers; • Developed new courses and curricula to support emerging energy industry careers; • Established new training/laboratory resources; • Generated a pool of highly qualified, technically skilled workers to support the growing energy industry sector.

  1. A utility theory approach for insurance pricing

    Mohsen Gharakhani

    2015-11-01

    Full Text Available Providing insurance contract with “deductible” is beneficial for both insurer and insured. In this paper, we provide a utility modeling approach to handle insurance pricing and evaluate the tradeoff between discount benefit and deductible level. We analyze four different pricing problems of no insurance, full insurance coverage, insurance with β% deductible and insurance with D-dollar deductible based on a given utility function. A numerical example is also used to illustrate some interesting results.

  2. Industrial & Engineering Systems Career Cluster ITAC for Career-Focused Education: Transportation Sub-Cluster. Integrated Technical & Academic Competencies.

    Ohio State Univ., Columbus. Vocational Instructional Materials Lab.

    Designed for Ohio educators responsible for planning programs to prepare high school students for careers in transportation, this document presents an overview of Ohio's Integrated Technical and Academic Competencies (ITAC) system of career-focused education and specific information about the transportation subcluster of the industrial and…

  3. Legal Effect of Breach of Warranty in Construction Insurance in Malaysia

    Arazi Idrus; Mahmoud Sodangi; Jamaluddin Yaakob

    2011-01-01

    This study is aimed at analyzing the legal effect of breach of warranty in construction insurance contracts in Malaysia in light of the current developments in The English insurance law. The required data and information were collected from Malaysian and English court decisions dealing with breach of warranties in English marine insurance law from the online Malayan Law Journal published on the LexisNexis online database and from published textbooks related to insurance warranties. This study...

  4. 46 CFR 308.403 - Insured amounts.

    2010-10-01

    ... total amount of war risk insurance obtainable from companies authorized to do an insurance business in a... MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Builder's Risk Insurance § 308.403 Insured amounts. (a) Prelaunching period. The amount insured during...

  5. Health Insurance without Single Crossing

    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...

  6. Web Application for Actuarial Calculations for Insurance

    Dobrev, Hristo; Kyurkchiev, Nikolay

    2013-01-01

    Report published in the Proceedings of the National Conference on "Education in the Information Society", Plovdiv, May, 2013 During the last 10 years a growing interest in the modernization of vocational education of actuaries, the content of actuarial study programs, consistent with global traditions and trends is indicated. Web application for insurance actuarial calculations is explored. Association for the Development of the Information Society, Institute of Mathematics and...

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

    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

  8. DRAFT DIGITAL FLOOD INSURANCE RATE MAP DATABASE, CHEROKEE COUNTY, SC

    Federal Emergency Management Agency, Department of Homeland Security — The Digital Flood Insurance Rate Map (DFIRM) Database depicts flood risk information and supporting data used to develop the risk data. The primary risk...

  9. Digital Flood Insurance Rate Map Database, Buchanan County, Iowa, USA

    Federal Emergency Management Agency, Department of Homeland Security — The Digital Flood Insurance Rate Map (DFIRM) Database depicts flood risk information and supporting data used to develop the risk data. The primary risk...

  10. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, FLEMING COUNTY, KY

    Federal Emergency Management Agency, Department of Homeland Security — The Digital Flood Insurance Rate Map (DFIRM) Database depicts flood risk information and supporting data used to develop the risk data. The primary risk...

  11. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, Charles COUNTY, MD, USA

    Federal Emergency Management Agency, Department of Homeland Security — The Digital Flood Insurance Rate Map (DFIRM) Database depicts flood risk information and supporting data used to develop the risk data. The primary risk...

  12. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, BUTLER COUNTY, NE

    Federal Emergency Management Agency, Department of Homeland Security — The Digital Flood Insurance Rate Map (DFIRM) Database depicts flood risk information and supporting data used to develop the risk data. The primary risk...

  13. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, SACRAMENTO COUNTY, CALIFORNIA, USA

    Federal Emergency Management Agency, Department of Homeland Security — The Digital Flood Insurance Rate Map (DFIRM) Database depicts flood risk information and supporting data used to develop the risk data. The primary risk...

  14. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, CITY OF SACRAMENTO, CALIFORNIA

    Federal Emergency Management Agency, Department of Homeland Security — The Digital Flood Insurance Rate Map (DFIRM) Database depicts flood risk information and supporting data used to develop the risk data. The primary risk...

  15. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, HONOLULU COUNTY, HI, USA

    Federal Emergency Management Agency, Department of Homeland Security — The Digital Flood Insurance Rate Map (DFIRM) Database depicts flood risk information and supporting data used to develop the risk data. The primary risk...

  16. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, KAUAI COUNTY, HAWAII, USA

    Federal Emergency Management Agency, Department of Homeland Security — The Digital Flood Insurance Rate Map (DFIRM) Database depicts flood risk information and supporting data used to develop the risk data. The primary risk...

  17. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, SARPY COUNTY, USA

    Federal Emergency Management Agency, Department of Homeland Security — The Digital Flood Insurance Rate Map (DFIRM) Database depicts flood risk information and supporting data used to develop the risk data. The primary risk...

  18. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, LUCAS COUNTY, OHIO

    Federal Emergency Management Agency, Department of Homeland Security — The Digital Flood Insurance Rate Map (DFIRM) Database depicts flood risk information and supporting data used to develop the risk data. The primary risk...

  19. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, NASSAU COUNTY, NEW YORK

    Federal Emergency Management Agency, Department of Homeland Security — The Digital Flood Insurance Rate Map (DFIRM) Database depicts flood risk information and supporting data used to develop the risk data. The primary risk...

  20. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, HARDIN COUNTY, TX

    Federal Emergency Management Agency, Department of Homeland Security — The Digital Flood Insurance Rate Map (DFIRM) Database depicts flood risk information and supporting data used to develop the risk data. The primary risk...

  1. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, SULLIVAN COUNTY, NEW YORK

    Federal Emergency Management Agency, Department of Homeland Security — The Digital Flood Insurance Rate Map (DFIRM) Database depicts flood risk information and supporting data used to develop the risk data. The primary risk...

  2. Digital Flood Insurance Rate Map Database, PRINCE GEORGE, VA, USA

    Federal Emergency Management Agency, Department of Homeland Security — The Digital Flood Insurance Rate Map (DFIRM) Database depicts flood risk information and supporting data used to develop the risk data. The primary risk...

  3. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, SHELBY COUNTY, OHIO, USA

    Federal Emergency Management Agency, Department of Homeland Security — The Digital Flood Insurance Rate Map (DFIRM) Database depicts flood risk information and supporting data used to develop the risk data. The primary risk...

  4. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, WAGONER COUNTY, OKLAHOMA, USA

    Federal Emergency Management Agency, Department of Homeland Security — The Digital Flood Insurance Rate Map (DFIRM) Database depicts flood risk information and supporting data used to develop the risk data. The primary risk...

  5. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, SUFFOLK COUNTY, MASSACHUSETTS

    Federal Emergency Management Agency, Department of Homeland Security — The Digital Flood Insurance Rate Map (DFIRM) Database depicts flood risk information and supporting data used to develop the risk data. The primary risk...

  6. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, FAIRFIELD COUNTY, CONNECTICUT

    Federal Emergency Management Agency, Department of Homeland Security — The Digital Flood Insurance Rate Map (DFIRM) Database depicts flood risk information and supporting data used to develop the risk data. The primary risk...

  7. DIGITAL FLOOD INSURANCE RATE MAP DATABASE ROCKLAND COUNTY, NY, USA

    Federal Emergency Management Agency, Department of Homeland Security — The Digital Flood Insurance Rate Map (DFIRM) Database depicts flood risk information and supporting data used to develop the risk data. The primary risk...

  8. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, OTTAWA COUNTY, OHIO, USA

    Federal Emergency Management Agency, Department of Homeland Security — The Digital Flood Insurance Rate Map (DFIRM) Database depicts flood risk information and supporting data used to develop the risk data. The primary risk...

  9. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, SAUNDERS COUNTY, NEBRASKA

    Federal Emergency Management Agency, Department of Homeland Security — The Digital Flood Insurance Rate Map (DFIRM) Database depicts flood risk information and supporting data used to develop the risk data. The primary risk...

  10. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, RED WILLOW COUNTY, NEBRASKA

    Federal Emergency Management Agency, Department of Homeland Security — The Digital Flood Insurance Rate Map (DFIRM) Database depicts flood risk information and supporting data used to develop the risk data. The primary risk...

  11. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, CHEROKEE COUNTY, KANSAS

    Federal Emergency Management Agency, Department of Homeland Security — The Digital Flood Insurance Rate Map (DFIRM) Database depicts flood risk information and supporting data used to develop the risk data. The primary risk...

  12. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, POLK COUNTY, NEBRASKA

    Federal Emergency Management Agency, Department of Homeland Security — The Digital Flood Insurance Rate Map (DFIRM) Database depicts flood risk information and supporting data used to develop the risk data. The primary risk...

  13. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, HARLAN COUNTY, NEBRASKA

    Federal Emergency Management Agency, Department of Homeland Security — The Digital Flood Insurance Rate Map (DFIRM) Database depicts flood risk information and supporting data used to develop the risk data. The primary risk...

  14. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, RENO COUNTY, KANSAS

    Federal Emergency Management Agency, Department of Homeland Security — The Digital Flood Insurance Rate Map (DFIRM) Database depicts flood risk information and supporting data used to develop the risk data. The primary risk...

  15. DIGITAL FLOOD INSURANCE RATE MAP DATABASE FOR HOWARD COUNTY, NEBRASKA

    Federal Emergency Management Agency, Department of Homeland Security — The Digital Flood Insurance Rate Map (DFIRM) Database depicts flood risk information and supporting data used to develop the risk data. The primary risk...

  16. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, FURNAS COUNTY, NEBRASKA

    Federal Emergency Management Agency, Department of Homeland Security — The Digital Flood Insurance Rate Map (DFIRM) Database depicts flood risk information and supporting data used to develop the risk data. The primary risk...

  17. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, LANCASTER COUNTY, NE, USA

    Federal Emergency Management Agency, Department of Homeland Security — The Digital Flood Insurance Rate Map (DFIRM) Database depicts flood risk information and supporting data used to develop the risk data. The primary risk...

  18. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, ALLAMAKEE COUNTY, IOWA

    Federal Emergency Management Agency, Department of Homeland Security — The Digital Flood Insurance Rate Map (DFIRM) Database depicts flood risk information and supporting data used to develop the risk data. The primary risk...

  19. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, CASS COUNTY, NEBRASKA

    Federal Emergency Management Agency, Department of Homeland Security — The Digital Flood Insurance Rate Map (DFIRM) Database depicts flood risk information and supporting data used to develop the risk data. The primary risk...

  20. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, MCPHERSON COUNTY, KANSAS

    Federal Emergency Management Agency, Department of Homeland Security — The Digital Flood Insurance Rate Map (DFIRM) Database depicts flood risk information and supporting data used to develop the risk data. The primary risk...

  1. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, DAWES COUNTY, NEBRASKA

    Federal Emergency Management Agency, Department of Homeland Security — The Digital Flood Insurance Rate Map (DFIRM) Database depicts flood risk information and supporting data used to develop the risk data. The primary risk...

  2. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, VALLEY COUNTY, NEBRASKA

    Federal Emergency Management Agency, Department of Homeland Security — The Digital Flood Insurance Rate Map (DFIRM) Database depicts flood risk information and supporting data used to develop the risk data. The primary risk...

  3. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, ELLSWORTH COUNTY, KANSAS

    Federal Emergency Management Agency, Department of Homeland Security — The Digital Flood Insurance Rate Map (DFIRM) Database depicts flood risk information and supporting data used to develop the risk data. The primary risk...

  4. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, SHERMAN COUNTY, NEBRASKA

    Federal Emergency Management Agency, Department of Homeland Security — The Digital Flood Insurance Rate Map (DFIRM) Database depicts flood risk information and supporting data used to develop the risk data. The primary risk...

  5. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, HARVEY COUNTY, KANSAS

    Federal Emergency Management Agency, Department of Homeland Security — The Digital Flood Insurance Rate Map (DFIRM) Database depicts flood risk information and supporting data used to develop the risk data. The primary risk...

  6. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, PLATTE COUNTY, NEBRASKA

    Federal Emergency Management Agency, Department of Homeland Security — The Digital Flood Insurance Rate Map (DFIRM) Database depicts flood risk information and supporting data used to develop the risk data. The primary risk...

  7. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, COLFAX COUNTY, NEBRASKA

    Federal Emergency Management Agency, Department of Homeland Security — The Digital Flood Insurance Rate Map (DFIRM) Database depicts flood risk information and supporting data used to develop the risk data. The primary risk...

  8. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, THURSTON COUNTY, NEBRASKA

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  9. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, TAMA COUNTY, IOWA

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  10. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, WEBSTER COUNTY, NEBRASKA

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  11. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, Eddy County, NM

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  12. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, RAY COUNTY, MISSOURI, USA

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  13. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, JEFFERSON COUNTY, IDAHO, USA

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  14. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, LAWRENCE COUNTY, OHIO, USA

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  15. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, GRANT COUNTY, WISCONSIN, USA

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  16. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, SEBASTIAN COUNTY, AR

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  17. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, SEBASTIAN COUNTY, ARKANSAS

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  18. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, FERGUS COUNTY, MONTANA, USA

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  19. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, BONNER COUNTY, IDAHO

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  20. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, SAN JOAQUIN COUNTY, CALIFORNIA

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  1. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, LORAIN COUNTY, OHIO USA

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  2. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, ROBERTSON COUNTY, KY

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  3. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, COSHOCTON COUNTY, OHIO, USA

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  4. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, NEWTON COUNTY, MISSOURI, USA

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  5. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, CHEROKEE COUNTY, TX

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  6. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, HAMILTON COUNTY, OHIO, USA

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  7. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, GRANT COUNTY, KY

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  8. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, ESSEX COUNTY, MA

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  9. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, CARROLL COUNTY, GEORGIA, USA

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  10. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, DOUGLAS COUNTY, ILLINOIS USA

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  11. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, Douglas County, Oregon, USA

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  12. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, LINCOLN COUNTY, ARKANSAS, USA

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  13. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, POWELL COUNTY, KY

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  14. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, COLFAX COUNTY, New Mexico

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  15. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, Winston COUNTY, AL

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  16. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, CONVERSE COUNTY, WYOMING, USA.

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  17. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, Dougherty County, GA

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  18. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, POLK COUNTY, TX

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  19. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, HUNTERDON CO., NJ

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  20. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, SEDGWICK COUNTY, KANSAS, USA

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