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conventional wisdom has always stated that hedging strategies and life insurance are ill-matched partners. The belief has always been that the philosophical motivation behind employing one is diametrically opposed to that of the other. Insurance companies have traditionally shunned the use of derivatives as a hedging strategy because the insurance industry is all about risk management and hedging instruments required too much specialized knowledge and too many risks to be utilized as suitable strategies, especially when there were conventional investments that could guarantee a significant long-term return one's capital investment. During prosperous -- or at least non-volatile times -- very few investors or managers questioned this way of thinking. However, ultimately, whether one is talking about life insurance, pensions or playing the market, it's all about winning, and over the last few years as the market made a mockery of mutual funds and other traditional investment tools, the only ones…
Property and life insurance are complex issues with details that are relevant to any policy holder and invaluable for all policy holders to look into. There comes a point in time when it is important for a person to buy life, or property insurance. This is particularly so for a single parent who wants to care for her children in the eventuality of her death or for a business owner who wants to insure his property in the event of accident. The terminology and details of both property and life insurance are, however, complex and mathematically abstruse. The following essay takes up some concerns of both and vivifies, as well as teaches certain aspects of life insurance, via examples.
The first section concerns property insurance. The second exercise talks about life insurance.
Co-insurance clause refers to a splitting or spreading of risk among multiple parties in…
Investopedia Life Insurance Clauses Determine Your Coverage http://www.investopedia.com/articles/pf/06/lifeinsuranceclauses.asp#axzz2NucL9nQm
Investopedia.com Needs approach http://www.investopedia.com/terms/n/needsapproach.asp#ixzz2Nud2Pexf
Life Insurance a Good Investment?
Life insurance may be grouped into two basic categories: term and whole life insurance. The primary difference between term and whole life insurance is that a term policy is life coverage only. In the case of death of the insured, term insurance pays the face amount of the policy to the named beneficiary. Term insurance may be purchased for periods of 1 to 30 years. Whole life insurance combines a term policy with an additional investment component. The investment may be comprised of bonds, money-market funds, or stocks (Feldpausch, 2004). This type of policy builds cash value that one may borrow against. The three most common types of whole life insurance are traditional whole life policies, universal and variable. Whole life and term insurance policies allow one to lock in the same monthly payment over the life of the policy.
Overall, whole life insurance carries…
Feldpausch, C. (2004). Why do I need life insurance? J. Mich Dent Assoc, 86(5), 30.
Hasman, J.J., Chittenden, W.A., 3rd, Doolin, E.G., & Wall, J.F. (2004). Recent developments in health insurance, life insurance, and disability insurance case law. Tort Trial Insur Pract Law J, 39(2), 453-492.
Kane, L. (2002). Life insurance. What kind? How much? Unless you choose your policy carefully, you could end up paying too much, or being left without coverage. Med Econ, 79(13), 44, 47-49, 53.
Combining Life Insure With Trusts to Provide Better Family Financial Security
Summery: Life Insurance and Trusts are two financial arrangements which provide security to the family and living relatives of the owner of property or trust. In this article, we look at insurance, trusts and how these can be used for better financial security and risk management. The article contains six references.
Financial risk management is an important concept in the field of management. A person with an established business, occupation or source of income can suddenly take ill, resulting in the loss of that income which depended on him to generate. This can be a serious loss for him and others who depend on the income.
There are two financial instruments which are available which can continue to provide to him or his dependents financial compensation or income based on his previous investments. For monetary investments which had been…
Trust and trustees. 2003. Introduction to trusts. Referenced: November 19, 2003. Web site: http://www.trusts-and-trustees.com/main.htm
William G. Kistner, Healthcare and Financial Management. July 1998. Life insurance trusts can save estate taxes. Referenced: November 19, 2003. Web site: http://www.findarticles.com/cf_0/m3257/n7_v52/21045779/p1/article.jhtml
1040 accountant.com. Types of trusts. 2003. Referenced: November 19, 2003. Web site: http://www.1041accountant.com/types-of-trusts.htm
College for financial planning (CFFP). 2003. Life Insurance Trusts: A way to save taxes and exert control. 2003. Referenced: November 20, 2003. Web site: http://www.insweb.com/learningcenter/articles/life-estate.htm
Employee Health and Life Insurance Benefits
What is the footing of private businesses owned by families when confronted with the issue of providing employee health benefits while we surmount the millennium threshold? What is methodology employed for optimizing the benefits while at the same time putting a check spending on employees? In what way do they draw and prevent attrition of valuable professional in a competitive workforce market? In which way do they take the better of amendments of legal rules in competent strategies since the past several years? The appropriateness of these aspects and other issues will continue to challenge family managed business owners. Since the last several years remarkable governmental amendments have equipped the owners of family run businesses opportunities for planning that would by no means have been considered probable. There are no more restrictions on the quantity a company can make a payment for a staff…
Gabel, J; Long, S; Marquis, S. (December, 2002) "Employer-Sponsored Insurance: How Much Financial Protection Does It Provide" Medical Care Research and Review. Volume: 59; No: 4; pp: 440-454
Iglehart, K. (19 September, 2002) "Changing Health Insurance Trends" The New England Journal of Medicine. Volume: 347; No: 12; pp: 956-962
Lee, Mie-Yun. (1 July, 2002) "Increase Benefits without Decreasing Your Funds
Offer your employees group life insurance -- an added benefit for them at a low cost to you" Retrieved from http://www.entrepreneur.com/article/0,4621,301309,00.html Accessed on 20 October, 2004
Guardian Life Insurance Co. ranks #239 on the Fortune 500 list with revenues of $12.4 billion in 2017 and profits of $455 million. It currently owns $75 billion in assets and is one of the premier insurance and investment companies in the U.S (Fortune, 2018). The goal of Guardian in the near future is to sustain its position and “to endeavor to be valued as an industry leader in client satisfaction, sales growth, product performance, financial strength and profitability” (Guardian Life Insurance, 2018).
This paper provides an overview of Guardian Life Insurance. It examines the products and services that the company offers, the types of investment services and products offered, the practices that drive the company and the manner in which the company motivates employees. By discussing the company in this manner, the overall view of what Guardian Life Insurance has to offer can be seen.
According to the United States' Government's Medicare program, coverage of nursing home care is offered only on a limited basis. In order to be eligible, the Medicare must only receive services from a Medicare-approved facility, and must have a "qualifying hospital stay" just before entering the nursing home; this stay is generally three days or longer ("Nursing Homes: Paying for Care").
In light of these potential medical costs, one must be careful when advising this couple. The goal of retirement is to allow them to maintain their quality of life, but their quality of life is not maintained if they are constantly sick or worrying about their health. The father's skepticism about taking out a policy that would cover nursing homes or home nursing services is warranted. First of all, no one wants to think about the time when they will no longer be able to take care of him…
"10 Ways to Prepare for Retirement." (2008). Retrieved October 1, 2008, from About.com.
Web Site: http://retireplan.about.com/od/planning101/a/10_ways.htm
Franklin, Mary Beth. (2008). The Basics: How Much Do You Need to Retire. Retrieved October 1, 2008,
from MSN Money.
Life of Walt Disney [...] two questions: How did Walt manage each functional piece of the business and develop needed organizational capabilities? In addition, how did Walt achieve strategic and financial objectives?
WALT DISNEY'S FINANCIAL BEGINNINGS
Walt began his career in Kansas City, Missouri, where his family lived, and for years, the business teetered on the brink of collapse. Disney learned how to manage what little funds he had, and continue with his work from these early experiences. While still in Missouri, he incorporated a company called "Laugh-O-gram Films." With his last $500 from the venture, he began a series of cartoons based on "Alice in Wonderland." When his money ran out, he headed to Hollywood, where he set up a "studio" in his uncle's garage, and "wrote to M.J. Winkler, a film distributor, announcing that he was 'establishing a studio in Los Angeles for the purpose of producing a…
Author Unknown. (1999). Walt Disney. Business Leader Profiles for Students. Retrieved November 25, 2002 from the Gale Research Web site: http://www.galenet.com/servlet/BioRCBennis , W., & Biederman, P.W. (1997). Organizing Genius: The Secrets of Creative Collaboration. Cambridge, MA: Perseus Books.
Editors. (2002). Walt's Story. Retrieved November 25, 2002, Disney.Go.com Web site: http://disney.go.com/disneyatoz/waltdisney/maincollection/waltsstoryepisode01.html
Eliot, Marc. (May 1993). The dark side of Uncle Walt. (Walt Disney). Los Angeles Magazine, v38 n5 p48(8). Fishwick, M.W. (1954). American Heroes, Myth and Reality. Washington, DC: Public Affairs Press.
Rich, Alan. (Jan. 1983). They used to call it Mickey Mouse U, but not these days. Smithsonian, v13 p46 (10).
life of a non-Profit employee course number & name: Human esources Management (BAL1127A)
The research paper will be exploring 'How new learning dimensions of human resource studies can be applied for expanding the H role in optimizing and shaping organizational and employee behavior in non-profit organization'. This is the thesis statement upon which the whole research will be build upon using number of authors review, recommendations, journals, academic reading and statistical data on the subject matter concerned.
Today, organizations are faced with number of human resource challenges among which some of them are developing leaders for the next generation along with fundamental staff required, succession planning, motivating volunteers and staff with the diversified work and managing work style and work environment in nonprofit organizations. Due to the growing need of nonprofit institutions in an economy, universities have started nonprofit courses and programs, yet it doesn't guarantee to establish a link…
Berliner, W. & McCkarney, W. (1974). Management Practice and Training. Burr Ridge, IL: McGraw-hill publications.
Dessler, G. (2000). Human Resource Management. Prentice Hall Publication.
Dhanens, T. (1979). Implications of the new EEOC guidelines. Personnel, 56 (5), 32-39.
Drucker, P. (1990). Managing the Nonprofit Organization: Principles and Practice. New York: Harper Collins.
community rating in insurance?
Under which pricing system do insurers have an incentive to engage in preferred risk selection?"
Health insurance providers use the rating system to calculate the charge for their insurance. ating systems such as community rating and experience rating use difference statistical method to estimate the amount a given individual or a group will pay for the healthcare insurance. Using the rating system, health insurance providers have been able to determine the amount an individual or a group will pay for their insurance.
Experience rating is defined as the practice of setting a rate for an individual or a group based on the benefits paid on behalf of that group, and experience rating adjusts future premium based on benefit utilization and experience. In insurance, experience rating is based on the traditional insurance concept, which base the premium of a group individual on the probability of the loss…
Enthoven, A.C. (1980). Health Plan: The Practical Solution to the Soaring Cost of Medical Care. Beard Books. USA.
Feldstein, .P.J. (2011). Health Care Economics. Cengage Learning, USA.
Follmann, J.F. (1962). Experience Rating vs. Community Rating. The Journal of Insurance. 29,(3): 403-415.
Mahdavi, G. (2008). Adverse Selection vs. Advantageous Selection in Life Insurance Market. Graduate School of Economics, Kyoto University, Yoshida-Honmachi, Sakyo-ku, Kyoto.
Discount Scheme for Health Insurance
No Claim Discount (NCD) Schemes are Frequency-rating systems and are commonly used in insurance. NCD schemes represent an attempt to categorize policyholders into relatively homogeneous risk groups who pay premiums relative to their claims experience. Those who have made few claims in recent years are rewarded with discounts on their initial premium, and hence are enticed to stay with the company (Boland, 2006). Depending on the rules in the scheme, new policyholders may be required to pay the full premium initially and then will obtain discounts in the future as a result of claim free years. The general insurance actuary modeling an NCD scheme would frequently use Markov chain methods to investigate how premiums and movements take place over time.
No Claims Discount scheme is a form of frequency rating used in health insurance; the practice is to consider the number of years since the…
Boland, P.J. (2006). Statistical Methods in General Insurance. Dublin: National University of Ireland.
Denuit, M., Marechal, X., Pitrebois, S., & Walhin, J.-F. (2007). Actuarial Modeling of Claim Counts: Risk Classification, Credibility and Bonus-Malus Systems. New York: John Wiley & Sons Limited.
MONETOS. (2012). No Claims Discount / NCD. Retrieved September 10, 2012, from www.monetos.co.uk: http://www.monetos.co.uk/insurance/car-insurance/cost/cutting/ncd/
Pinquet, J. (2012). Experience Rating in Non-Life Insurance. Paris: Universite Paris.
The concept of Marine insurance is something that has been developing at a fast rate of late. (Marine Insurance: Barlow, Lyde and Gilbert) What exactly is insurance and how long has the concept been recognized? Insurance can be defined as a form of provision of a safety net for the distribution of risks. This is generally made in the form of a financial provision that is meant to protect against losses that may occur due to certain unavoidable reasons. Insurance works like this: a person who wishes to insure an object or possession or belonging of his will pay a certain amount of money that has already been fixed by the insurance agent in order to offer the security of the money to distribute the risks when the insurer happens, by misfortune, to lose his possession or damage it because of an unavoidable reason. The insurer, by the…
Admiralty Law.com" Retrieved at http://www.admiraltylaw.com/papers/2000.htm. Accessed on 19 September, 2004
Averagium" Retrieved at http://harvey-ashby.co.uk/Averagium%20-%20Winter%202002.pdf. Accessed on 19 September, 2004
Commercial Hull" (2004) Retrieved at http://www.veromarine.co.nz/dirvz/marine/marine.nsf/content/ProductsHullCommercialHullAccessed on 19 September, 2004
English Marine Insurance Act 1906" Retrieved at http://www.solarnavigator.net/english_marine_insurance_act_1906.htm . Accessed on 19 September, 2004
HCC Life Insurance vs. Coventry
Purpose of the INSUANCE COMPANY: The purpose of HCC Life Insurance Company is to provide Short-Term Health Insurance for a period of six months. Applicants must reapply for a policy every six months. The purpose of Coventry Health Care of South Florida is to provide Health Insurance that fulfills the Patient and Affordable Care Act (Coventry, 2015). It provides insurance for a period of 12 months, after which the insured must reapply for a new policy.
Benefits offered: Urgent Care, Hospital oom and Board, Local Ambulance, Intensive Care, Physical Therapy, Mental and Nervous Disorders, Home Health Care, Extended Care. Primary Care, Specialist Care, Other Practitioner Care, Preventive Care, Screening, Immunizations, Diagnostic Tests, Imaging, Drugs, Facility Fees (Outpatients and Hospitals), Surgeon/Physician Fees, Emergency oom Services, Emergency Medical Transportation, Urgent Care, Mental Behavior Health, Substance Use Disorders, Prenatal and Postnatal Pregnancy Care, Home Health Care, ehabilitative Services,…
Coventry Health Care. (2015). Federal health care reform. http://www.coventryhealthcare.com Retrieved from http://www.coventryhealthcare.com/federal-health-care-reform/index.htm
HCC Medical Insurance Services. (2015). Short-term medical insurance. http://www.hccmis.com Retrieved from
It is vital that information is gathered, and then competently analyzed. I believe that I can do this, because this exercise has illustrated to me some of the tools and steps required to think critically about the market. I believe that this exercise has also highlighted the value of thinking creatively about the market as well. The market has a wide range of instruments available for investing. Stocks may be the most obvious, but they are not necessarily the most appropriate. Even blue chip stocks are not safe, so creative thinking is a must, in order to build the most appropriate portfolio for my needs and my timeframe.
No author. (2008) History and Timeline Allstate.com. Retrieved October 30, 2008 at http://media.allstate.com/categories/19/releases/4028 other Allstate pages used in the production of this paper include the following:
Our Shared Vision. Retrieved October 30, 2008 at http://www.allstate.com/about/our-shared-vision.aspx
Stock price, financials, analyst information…
No author. (2008) History and Timeline Allstate.com. Retrieved October 30, 2008 at http://media.allstate.com/categories/19/releases/4028 other Allstate pages used in the production of this paper include the following:
Our Shared Vision. Retrieved October 30, 2008 at http://www.allstate.com/about/our-shared-vision.aspx
Stock price, financials, analyst information and ratios from Reuters. Retrieved October 30, 2008 at http://www.reuters.com/finance/stocks/overview?symbol=ALL.N
Stock price chart from Yahoo! Finance. Retrieved October 30, 2008 at http://finance.yahoo.com/echarts?s=ALL#symbol=ALL;range=1d
decision to end one's own life is one that affects not only the individual, but also a vast array of others involved in that person's existence. For close family members, distant relatives, friends, social acquaintances, and others, the death of a loved one is always difficult, particularly in the case of a purposeful, intended death. Thus, while there are certainly circumstances in which an individual may believe he or she has the right to take his or her own life, this decision often removes the rights of others and is therefore morally, religiously, legally, and spiritually unjustified.
Before contemplating which circumstances abdicate taking one's own life, it is important to first recognize that a person's "right" is subjective. A right, in a religious sense, applies to that which merits approval from a religious entity. In a legal sense, a right is a privilege bestowed on individuals by the government. Morally,…
Women and Men Have the Same Level of Hardship in Life
Women give birth to children, they encounter a number of obstacles in the workplace such as sexual harassment and lower salaries and they face the danger of sexual harassment, but even given these hardships, men's lives are just as difficult. Men, since the times of cavemen, have been viewed by virtually every society and civilization as the bread-winners. A man's responsibility is to provide selflessly for his family and ensure their survival after he dies. In cavemen's times this involved hunting animals and physically building shelter for his family, but today it likely involves working at an office or a factory and investing in a life insurance policy.
Either way, the social responsibilities facing men are equivalent. Women have entered almost every niche in the workplace, but still it is almost universally accepted that the family's survival is the…
If hospital officials refuse to stop treatment, do family members have the moral right to take matters into their own hands, as Rudolfo Linares did?
I would argue that they do. The only motivation of the parents would be to spare their child from an existence that would either be devoid of any meaningful quality of life or, even worse, an existence of constant discomfort, pain, and confusion. The objective test would be whether or not the prognosis of the patient is either persistent vegetative state or consistent with conditions that reasonable, competent people typically specify they would want to avoid. If competent adults typically choose to direct their loved ones not to continue treatment or to resort to artificial means to maintain biological life, it is perfectly moral for benevolently-motivated parents to want to spare their child that type of existence. The actions of the father were not legal…
Beauchamp, T.L. And Childress, J.F. Principles of Biomedical Ethics, (6th Edition).
Oxford University Press: New York. 2009.
Levine, C. Taking Sides: Clashing Views on Bioethical Issues. McGraw Hill: Dubuque.
The other necessary element in this process is procedure cost vs. reimbursement evaluation and proactive search of strong reimbursement for future volume. Analysis of the first element is crucial because it helps in ensuring that reimbursement documented in existing contracts is being effectively recorded. The information obtained during this stage can be used at any time of renegotiations or contribute to the development of effective alternative approaches. The assessment of the second element helps to determine how insurance contracts compare and to ensure reimbursement expectations are established within competitive market ranges. The third element can be used for defense in validating the need for higher reimbursement than the current offer.
Second Students' esponse:
As the use of managed care plans have increased in the past few years, there is an increased need for appropriate insurance contracting strategy. The existing managed care plans are primarily based on demand management through co-payments.…
Devers, K.J., Brewster, L.R. & Casalino, L.P. (2003, February). Changes in Hospital
Competitive Strategy: A New Medical Arms Race? Health Services Research, 38(1), 447-469. Retrieved from http://www.ncbi.nlm.nih.gov/pmc/articles/PMC1360894/pdf/hesr_124.pdf
Jones, C.L. & Mills, T.L. (2006, November-December). Negotiating a Contract with a Health
Plan, Family Practice Management, 13(10), 49-55. Retrieved from http://www.aafp.org/fpm/2006/1100/p49.html
Insurance Agent for State Farm Insurance
Success as an independent insurance agent does not come easy. In this industry, success has largely got to do with hard work and an exceptional ability to handle occasional rejections. However, the benefits for those who succeed in this case are immense.
In my opinion, I would say that my success as an effective independent insurance agent for State Farm Insurance has largely been founded on not only my personal character but also my past achievements and business related experience. To begin with, I have always been a hard worker. I believe in the power of effort especially when it comes to getting things accomplished. Further, I would say I am rather talkative. I also regard myself an effective communicator. Effective communication skills are important in the insurance business largely due to the need to keep in constant contact with the public. In addition…
Insurance for Nurses
Most of us probably see the issues of overtime and insurance as being entirely separate from each other. But for nurses, there is a clear connection between the two - one that is becoming clearer all of the time. Nurses have throughout the past decades found themselves working more and more hours, often being forced to take overtime shifts. This has resulted in a decreased quality of life for the nurses themselves and often results in poorer care for patients. One of the roles that nurses have always provided is the kind of extended personal care that patients need and that doctors cannot economically provide. This is being compromised by ever-increasing patient loads and by nurses who themselves are increasingly stressed.
So what has the issue of mandatory overtime to do with insurance? Quite a lot, actually. Nurses are being used more and more often to perform…
Hartnet, Johnette. (1993). Grief in the Workplace: Forty Hours Plus Overtime. Philadelphia: Good Mourning.
A www.ahealthyme.com www.aclu.org www.buildingbetterhealth.com www.calurse.org www.dhmh.sate.md.us www.newstimes.com www.nursingworld.org www.prairielaw.com www.qnv.org.au www.telegram.com www.vhihealthe.com
Yates, Michael. (1994) Longer Hours, Fewer Jobs: Employment and Unemployment in the United States. New York: Monthly Review Press.
A www.telegram.com www.calnurse.org www.qna.org.au www.nursingworld.org (www.mlis.state.md.us).
By conducting a peer led focus group the interaction between the participants allows for sharing of stories and experiences and opens up the lines for a deeper, more meaningful discussion. Instead of the participants directing their responses to questions and statements asked of the researcher to the researcher, participants will be able to converse with one another. The researcher will still be a part of the focus group, but his role will not be as prominent as it would be in a traditional style focus group. Instead, the researcher will observe, take notes and steer the group in the right direction if they start to discuss other topics which are not a part of the study.
Because this research deals with the dynamics of welfare recipients as opposed to how many people are on welfare, a qualitative approach is best. The only information that could be dealt with…
Berg, B.L. (2009). Qualitative research methods for the social sciences (7th edition ed.). Boston, Mass.: Allyn and Bacon.
Childstats.gov - America's Children in Brief: Key National Indicators of Well-Being, 2010 - Economic Circumstances. (n.d.). Childstats.gov - Home. Retrieved December 8, 2010, from http://www.childstats.gov/americaschildren/eco.asp
Lofland, J., Snow, D.A., Anderson, L., & Lofland, L.H. (2005). Analyzing social settings: A guide to qualitative observation and analysis (4th ed. ed.). Gwenn Wilson: Wadsworth Publishing.
Murray, C. (2006). Peer led focus groups and young people. Children and Society, 20(4), 273-286.
Moreover, because the organization heavily promotes its commitment to global and local ecological and environmental responsibility, the proposed change only lends further support to these values and demonstrates broader commitment to achieving the desired outcome through every means possible. That is equally important from the perspective of maximizing internal "buy-in" and from the perspective of presenting a comprehensive and consistent public policy externally (obbins & Judge, 2009; Stevens, 2008).
Evaluation and Conclusion
The recommended change for the organization is inherently testable by comparing the objective data of employee performance before and after implementing the suggested policy change on a case-by-case basis. Successful and productive implementation of trusted (i.e. senior) employees would provide the basis for extending the same opportunity to others. Likewise, the success of this communications initiative is also imminently testable because its success would correspond to a specific change in organizational policy according to the recommendations outlined in…
George, J.M. And Jones, G.R. (2008). Understanding and Managing Organisational
Behavior. Upper Saddle River, NJ: Prentice Hall.
Halbert, T. And Ingulli, E. (2008). Law & Ethics in the Business Environment. Cincinnati,
OH: West Legal Studies.
One breath from God and things can shrivel up, one blast of God's rage and things burn -- unlike human anger, God has control over anything and everything because He is the creator (7). Like forest fire, God's wrath, in the eyes of humanity, is unstoppable and incomprehensible.
Finally, Job, after his initial and understandable sorrow and rage he enters into a kind of Zen-like state of acceptance of his fate, of the fact that as a human being, he cannot resist the nature of the world. God has created all things, unlike humans, who are simply God's creation (23). The world is full of bad as well as good. Job was not given good fortune in proportion to his goodness, although he was a good man, and so the reverse is also true. True, Job never neglected the poor, made the innocent suffer, or let the poor go hungry…
The Book of Job. Translated by Stephen Mitchell. New York: Harper Perennial, 1992.
John Pierpont Morgan was born on April 17, 1837 in Hartford, Connecticut; his family was a distinguished and wealthy New England family, so he had a head start on accumulating wealth because great success was role modeled for him as he grew up. For example, one of his maternal relatives, named James Pierpont (1659-1714), was a founder of Yale University, according to History.com. His grandfather on his father's side was a founder of Aetna Insurance Company, and his father, who was his principal role model, was a partner in a London-based banking company specializing in merchant investments and holdings. His father, Junius Spencer Morgan, also had a successful dry goods company in Hartford, Connecticut (History.com). 'J.P. Morgan went on to become fabulously wealthy and powerful; this paper explains how he did it and points to the powerful influence he had over America during his life.
J.P. Morgan's Life…
Encyclopedia Britannica. "John Pierpont Morgan." Retrieved March 20, 2014, from http://www.britannica.com . 2008.
History.com. "J.P. Morgan." Retrieved March 20, 2014, from http://www.history.com . 2009.
J.P. Morgan. "Going Global." Retrieved March 20, 2014, from http://www.jpmorgan.com .
Discuss the basic types of homeowners policies that are used today. When is each type most appropriate?
Homeowners insurance policies are for people who own or are buying their own home and for people who rent a home or apartment. A homeowners policy can also include a personal liability policy, often referred to as an umbrella policy, that extends the liability limits of other policies in case a court awards higher amounts than a policyholder's limits. Personal property riders for expensive property can be added to a homeowners policy to cover items and belongings that are higher risk for damage or theft. Special riders can also be purchased to cover natural disasters that may be excluded from homeowners policies, such as earthquake, flood, or tornado; minimally, a homeowner should be sure that their property is not underinsured.
Discuss the pros and cons of purchasing the rental car damage…
____. (20111). Chapter 20: Individual Health Insurance Coverages. Pearson Education, Inc. Retreived http://wps.pearsoned.co.uk/wps/media/objects/9306/9529451/study_guide/M20_REJD_GE_11E_SG_C20.pdf
Zeckhauser, Richard (2008). "Insurance." In David R. Henderson (ed.). Concise Encyclopedia of Economics (2nd ed.). Indianapolis: Library of Economics and Liberty.
Under Anglo-American common law, Ungern-Sternberg (2004) reports that, "When a property has changed owner, it is quite possible that no insurer is liable for subsidence damage, even though it has been permanently insured. Many homeowners suffer from the illusion that their building insurance will automatically pick up the whole bill but some have found this an expensive pipe dream" (p. 49). In reality, when consumers purchase a new home, it is carefully inspected and all known faults are identified, but unknown faults are also inherited in the transaction (Ungern-Sternberg, 2004).
Consequently, the experiences of many homeowners to date have been encounters with previous policyholder's insurance company disavowing responsibility for such damage as well as the new insurance company that will argue the damages are the result of pre-existing conditions. This nebulous area of building insurance remains controversial, and Ungern-Sternberg (2004) emphasizes that the practice continues to adversely affect building purchasers.…
Are you fully insured? (2011, March). Society of Chartered Surveyors. Retrieved from http://www.scsi.ie/publications/Downloadreport/hri2011 .
Black's law dictionary. (1991). St. Paul, MN: West Publishing Co.
Bonato, D. & Zweifel, P. (2002). Information about multiple risks: the case of building and content insurance. Journal of Risk and Insurance, 69(4), 469-471.
Hoffman, a.V. (2003). House by house, block by block: The rebirth of America's urban neighborhoods. New York: Oxford University Press.
isk and Insurance Management
isk is believed to be a newly coined word of assurance (for example, Ewald, 1991: 198). One of the broadly shared suppositions regarding insurance is that it spins around an instrumental concept of risk. Possibility and the amount of influence make up a technical concept of hazard/risk and hazard administration is chiefly worried about reviewing these possibilities and influences (for an overview see Gratt, 1987). For instance, external profits of financial or political occurrences lay down thresholds for the availability of associated risk guesstimates or reckonings (Huber, 2002).
So, the range of the risk groups cannot be clarified by risk judgment single-handedly; peripheral circumstances that could be political, financial or inclusive of image, arts and manners, are also required to be taken into account. Therefore, if risks are not be present, per se, but are deliberately selected, we can go a step ahead and presume them…
Douglas, M. And Wildavsky, A. (1982) Risk and Culture. An Essay on the Selection of Technical and Environmental Dangers. Berkeley: University of California Press.
Evers, A. And Nowotny, H. (1987) Uber den Umgang mit Unsicherheit. Die Entdeckung der Gestaltbarkeit von Gesellschaft. Frankfurt / Main: Suhrkamp.
Ewald, F. (1991) 'Insurance and Risk' in Burchell, G., Gordon, C. And Miller, P. (eds.) The Foucault Effect: studies in governmentality . London: Harvester Wheatsheaf.
Gratt, L.B. (1987) 'Risk Analysis or Risk Assessment: a proposal for consistent definitions' in Covello, V. And Lave, L. (eds.) Uncertainty in Risk Assessment, Risk Management and Decision Making, Advances in Risk Analysis (4). New York: Plenum Press.
Texas Department of Insurance illustrates why and when the Texas Department of Insurance was formed and how much it has accomplished since the time it was established. This paper highlights the number of people employed by the TDI, their annual budget and their board of governors.
The Texas Department Of Insurance
The prime purpose of the Texas Department of Insurance is to efficiently manage files on all the insurance carriers in Texas. These files are categorized by their respective types and region and are provided to other school districts upon request. The Texas Department of Insurance is divided in such a way that each group governs each insurance type. "For example, property and casualty, life and health, and workers' compensation are each separate departments with teams of experts capable of answering inquiries and complaints about each of those specific types of insurance" (Texas Comptroller Of Public Accounts, Purchase School District…
SLSOT Procedures Manual. Available on the address http://www.slsot.org/pman1.htm.
Accessed on 9 Feb. 2004.
Texas Comptroller Of Public Accounts. Purchase School District Insurance Through
Cooperative Agreements. Available on the address http://www.window.state.tx.us/tpr/tpr4/c1.ed/c105.html . Accessed on 9 Feb. 2004.
In an ideal world, every single person would be able to afford the medical care and attention they need throughout their lifespan. The Affordable Care Act, colloquially called Obamacare, set as its goal eventual universal healthcare coverage. Unfortunately, Obamacare has not promoted the ultimate goal of providing affordable healthcare for all Americans. Mandating healthcare insurance does help reduce disparities in access to affordable and necessary interventions, tests, and treatments. As idealistic as Obamacare is, the policy has not reduced the costs of healthcare but it does represent a step in the right direction towards distinguishing between the profit motive in healthcare insurance and the ethical obligation to create a more caring and egalitarian society.
The Affordable Care Act used mandated insurance coverage as its main policy initiative for several reasons, both fiscal and humanitarian. As Gruber (2012) points out, about 12 million employed Americans were not receiving coverage from their…
2. Second, the deductibility of mortgage interest and property tax payments serves to lower the after-tax cost of homeownership, also contributing to owners' ability to increase savings or consumption. Many low-income owners may not benefit from these provisions, however, because the standard deduction often exceeds interest and property tax
3. Third, homeownership allows a borrower to tap into secured lending against his or her home, which, all else equal, is often at a lower rate of interest than unsecured lending. All these financial benefits are possible but in no way assured. As discussed in the following text, the proper way to view homeownership is as an investment that carries with it significant risks and uncertainties. For any number of reasons, homeowners can end up losing money on their homes or earn less of a return than if they had rented over some period." (Herbert and elsky, 2008, p. 9)
Quigley, John M. (2005) Federal Credit and Insurance Programs: Housing. University of California, Berkeley.
Evolution of the U.S. Housing Finance System: A Historical Survey and Lessons For Emerging Mortgage Markets (2004) U.S. Department of Housing and Urban Development. 31 Mar 2006.
Affordable Housing Policies in the U.S. (2009) Department of Housing and Urban Development. 2 Mar 2009.
Herbert, Chris E. And Belsky, Eric S. (2008) The Homeownership Experience of Low-Income and Minority Households: A Review and Synthesis of the Literature. Cityscape: A Journal of Policy Development and Research • Volume 10, Number 2 • 2008 U.S. Department of Housing and Urban Development • Office of Policy Development and Research
She is well-connected within the community and is confident that her business would be profitable within a year or two. She has a strong, charismatic personality and is also connected to Milwaukee's artistic community through her husband's architectural work restoring some of the city's beautiful historic buildings. She has a considerable portfolio, and occasionally sold stock photos or worked as a wedding photographer when she was in law school.
Laura realizes that in the current market, individuals and companies may be cutting back on "luxuries" like professional family and staff pictures. However, she has a range of expertise in architectural and interior photography as well as portrait and event photography. She is willing to diversify her skill set and pursue further education if necessary, although in her field an additional artistic degree would only be desirable for teaching or competing for gallery showings at a national level.
According to her…
College Board. (2010). Trends in college pricing, 2010. Retrieved from http://trends.collegeboard.org/
Hung, a., & Yoong, J. (2010). Asking for Help: Survey and experimental evidence on financial advice and behavior change. RAND Working Paper WR-714-1.
Morris, Kenneth M., Alan M. Siegel, and Virginia B. Morris. (1995). The Wall Street Journal Guide to Planning Your Financial Future. New York: Lightbulb Press.
Parisse, a., & Richman, D. (2006). Questions Great Financial Advisors Ask… and Investors Need to Know. Chicago: Kaplan.
Currently, there are approximately five to six special interest group lobbyists working on behalf of the private health insurance industry for every single publicly elected representative in Washington, D.C. (eid, 2009). The breakdown of political support for legislation and policies that benefit the industry reveals a remarkably close association between political contributions from that industry and the voting and statement records of political representatives (Kennedy, 2006; Tong, 2007). It is no surprise that the major source of opposition to some of the most potentially beneficial elements of healthcare reform at issue today comes from the representatives who have received the largest campaign contributions from the private health insurance industry and representatives from states where the largest corporate parents of private sector health insurance companies (eid, 2009).
Preventative Medicine and eimbursement Based on Beneficial esults
Sufficient information already exists from other nations that very strongly suggests that any efficient, affordable, and…
Beauchamp, T., and Childress, J. (2009). Principles of Biomedical Ethics. Oxford Kennedy, E. (2006). America: Back on Track. Viking: New York.
Reid, T. (2009). The Healing of America: A Global Quest for Better, Cheaper, and Fairer Health Care. New York: Penguin Group.
Tong, R. (2007). New Perspectives in Health Care Ethics: An Interdisciplinary and Cultural Approach. Upper Saddle River, NJ: Pearson Education, Inc.
For example, and elder citizen may consider having the ability to sit and watch television or read all that is necessary to improve their quality of life, and thus demand healthcare services that would allow him or her to do just that.
There are no universal standards that are likely to be accepted by a majority of the population, or even by enough people to consider QALY assessments moral and ethical practices in healthcare (Drotar, 1998). Many also argue that healthcare authorities may favor certain populations including the young adult or pediatric population, based on the theory this group has the greatest chances for survival; this however is often not the case, as there are many older adults that have powerful enough beliefs and mature immune systems so that with proper treatment they might have just as much chance for survival than doctors may assess on first glance (Drotar, 1998).…
Bergner, M., Bobbitt, R.A., Carter, W.B., & Gilson, B.S. (1981) the sickness impact profile: Development and final revision of a health status measure. Medical Care, 19: 787-805.
Drotar, D. (1998) Measuring health-related quality of life in children and adolescents:
Implications for research and practice. Mahwah: Lawrence Erlbaum Associates.
Kaplan, R.M., Bush, J.W. & Berrgy, C.C. (1976) Health status: Types of validity and the index of well being. Health Services Research, 11(1): 478-507.
Effect of the recession on upon financial market, the real economy and over everyday lives
ecession is defined as the economic slowdown or decline characterized by slowing down of trade, a magnitude decline in the GDP, and a decrease in employment usually lasting between 6 months to a year. This was the situation in the U.S.A. The hardest times being from 2008 through 2009 and the early months of 2010. America is still recovering from the effects of the recession that the country experienced from 2007 to 2009.
The slow down in economy triggered a massive job loss and unemployment rates that shot through the roof, the prices went up and a great deal of uncertainty rippled through the country. This situation has now seen a reverse trend albeit at a slower rate than was expected by many. The unemployment rate in November 2011 fell by 0.4% to 8.6%…
Amitabh Shukia, (2009). Top 5 major Economic Effects of Recession on Economy.
Retrieved May 13, 2012 from http://www.paggu.com/business/world-economy/top-5-major-economic-effects-of-recession-on-economy/
Browder, Laura, (1998). Rousing the Nation: Radical Culture in Depression America.
Amherst, MA: University of Massachusetts Press.
In other words, did Grisham begin writing in order to reveal the innate ambiguities and machinations of the legal system - or were there other unrecognized facets and factors at play that led to this turning point in his life?
These questions become even more pronounced when we take into account his expressed views about his own writing. In many interviews, Grisham tends to assert that his literary work is not of a very serious or profound nature and instead of having any deeper social intentions his writings are essentially only meant to entertain. As he states in one interview:
I'm not sure where that line goes between literature and popular fiction...I can assure you I don't take myself serious enough to think I'm writing literary fiction and stuff that's going to be remembered in 50 years. I'm not going to be here in 50 years; I don't care if…
Time to Kill" by John Grisham. Retrieved April 27, 2008, at http://www.schoolunity.de/schule/hausaufgaben/preview.php?datensatzkey=004747&query=action%3Dsuchen%26seite%3D2%26suchbegriff%3Dnone%26fach%3D11%26nosave%3D1&session=a78afa575fac023f63f342 eafa0329ab
For Posterity: The John Grisham Papers. Retrieved April 27, 2008, at http://library.msstate.edu/grisham_room/writer
Interview: John Grisham, Author. Retrieved April 27, 2008, at http://www.slushpile.net/index.php/2006/03/01/interview-john-grisham-author/
John Grisham has no illusions about Writing. Retrieved April 27, 2008, at http://community.livejournal.com/ohnotheydidnt/20470275.html/posterity.htm
When he was a child he also had to be careful about bathing in special soaps and applying special creams to his skin. I recall there being times when his skin was tremendously dry and it would scale so badly that my brother didn't want to leave the house. My grandmother would apply apple cider vinegar to his skin, as it was believed to be a fungus, and it was thought that the apple cider vinegar would help cure the fungus. She also used to give him large quantities of raw garlic, which was believed to be able to fight mold. Sometimes she'd chop up the garlic into a paste and apply it to his scalp. Eventually, he saw a dermatologist who specialized in the condition who prescribed him a high level of hydrocortisone, a topical steroid that my mother had to apply to my brother's skin twice daily. It…
Allaboutdepression.com. (November, 5 2012). Environmental Causes of Depression. Retrieved from Allaboutdepression.com: http://www.allaboutdepression.com/cau_04.html
Hasler, G. (2010, October). PATHOPHYSIOLOGY of DEPRESSION: DO WE HAVE ANY SOLID EVIDENCE of INTEREST to CLINICIANS? Retrieved from Nlm.nih.gov: http://www.ncbi.nlm.nih.gov/pmc/articles/PMC2950973/
Kreger, R. (2008). The Essential Family Guide to Borderline Personality Disorder: New Tools. Center City: Hazelden Press.
Kreger, R. (2010, March 25). Three Easy Ways to Differentiate Bipolar and Borderline Disorders. Retrieved from Psychologytoday.com: http://www.psychologytoday.com/blog/stop-walking-eggshells/201003/three-easy-ways-differentiate-bipolar-and-borderline-disorders
e learn that our way of life can change practically overnight. e learn that suffering on a massive scale can happen from just a few high-level missteps. But perhaps most importantly, we learn that the American spirit has an amazing capacity for resourcefulness and resilience -- a lesson that might comfort us in our own times of worry.
"Always Lending a Helping Hand: Sevier County Remembers the Great Depression." New Deal Network. eb. Retrieved 19 Sept 2011 from http://newdeal.feri.org/sevier/index.htm
Downing, David. The Great Depression. Chicago: Reed Educational Publishing, 2001.
Horowitz, Irving Lewis. "A Child's View of the Great Depression." Antioch Review. Fall 2009, Vol. 67, Issue 4. p 678-681.
McNeese, Tim. The Great Depression, 1929-1938. New York: Infobase Publishing, 2010.
Schultz, Stanley. The Great Depression: A Primary Source History. New York: Gareth Stevens, 2005.
"Always Lending a Helping Hand: Sevier County Remembers the Great Depression." New…
"Always Lending a Helping Hand: Sevier County Remembers the Great Depression." New Deal Network. Web. Retrieved 19 Sept 2011 from http://newdeal.feri.org/sevier/index.htm
Downing, David. The Great Depression. Chicago: Reed Educational Publishing, 2001.
Horowitz, Irving Lewis. "A Child's View of the Great Depression." Antioch Review. Fall 2009, Vol. 67, Issue 4. p 678-681.
McNeese, Tim. The Great Depression, 1929-1938. New York: Infobase Publishing, 2010.
Role as a Nurse/Life Helper in a Long-Term Care Facility
Nursing in a long-term care facility would be the prescription for burnout and depression for many people. And yet, it is an essential activity in the current society. There are ways to approach the profession, however, that help explain its purpose and also allow the nurse to place his or her activities into a context at once useful and conceptual. There are traditions from almost every philosophy and religion that point to the same things; the value of service, humility, compassion, and transcendence all arising out of the desire to do good works (nursing) and the will to create the skills necessary to do those works.
A knowledge of some of these is essential to place the activities of nursing into a scheme that will give the best result possible for all concerned, the nurse, the patient, the patient's family…
Bajunid, Ibrahim Ahmad. 2004. "The meaning of active citizenship." New Straits Times, 14 March 2004.
Barber, Benjamin. 1994. "Theory and practice: democracy and the philosophers. (2,500 Years of Democracy)" History Today, 1 August 1994.
Hegevary, Sue Thomas. 2002. "How nursing matters."
Journal of Nursing Scholarship, 22 December 2002. Database online accessed 19 March 2004.
Michael Jones and I was born on the 19th of March, 1998, in Hawthorne, California. I am currently eighteen years old and in my fourth year of college. My parents are Stephen Jones and Callie Jones. Our family comprises of my father, mother, brother and a sister. My brother's name is James Arnold Jones and my sister's name is Joanne Jones. I am grateful to have my siblings and both of my parents in my life alive and healthy. I do not have a great deal of memory about my early childhood, but my mom incessantly mentions that I was a very lively, inquisitive, and talkative child. I was curious about everything and kept asking questions all the time, even without having to wait for the correct answers in response. It is for this reason that I assume my parents bought me numerous books as well as novels from an…
Insurance options available to the patient depend upon the policy held by the patient and what is covered by the insurer. Some insurance companies will cover life-saving operations, while others will not (oizen, 2015). Yet even if the operation is covered, there may be a substantial deductible that will have to paid out of pocket; again, this all depends on the type of insurance coverage that the individual possesses. In a time like this, it is difficult to think of finances especially when a loved one's life is at stake. Fortunately, even if the deductible is high, or -- in a worst case scenario -- the insurance company will not cover the operation, there are hospitals that will provide financial aid to applicants.
At the same time, government insurance options are available, such as Medicare and Medicaid. If the patient is 65 years of age or older, he…
Durden, T. (2016). Obamacare update: Insurance premiums set to explode higher in
2017. ZeroHedge. Retrieved from http://www.zerohedge.com/news/2016-05-09/obamacare-update-insurance-premiums-set-explode-higher-2017
Roizen, M. (2015). Will my insurance cover my liver transplant cost? Sharecare.
Retrieved from https://www.sharecare.com/health/digestive-health/transplant-cost-liver-insurance
" (National Conference of State Legislatures Forum for State Health Policy Leadership, 2007). However, regardless of state, the applicants have to meet certain qualifications. First, applicants have to be both uninsured and not eligible for Medicaid for other forms of state sponsored insurance. In addition, not all S-CHIP recipients have to be children; states can get waivers to use S-CHIP funds to cover adults. These other recipients are generally adults who are responsible for S-CHIP eligible children, and/or pregnant women. However, "at the end of 2005, four states had waivers to use SCHIP to cover childless adults, and nine states cover unborn children who will be eligible for SCHIP at birth as well as prenatal and childbirth services for the mother of the child." (National Conference of State Legislatures Forum for State Health Policy Leadership, 2007). The fact that states have chosen to do this reaffirms the concept that the…
DeNavas-Walt, C., B. Proctor, and J. Smith. (2007). Income, poverty, and health insurance coverage in the United States: 2006. Washington: U.S. Census Bureau.
Dubay, L. (2007).
Making sense of recent estimates of eligible but uninsured children.
Retrieved January 28, 2008 from the Henry J. Kaiser Family Foundation
Healthy Employee Pay Less for Insurance Premiums?
Statement of the Issue
The objective of this work is to examine whether the healthy employee should contribute less towards their health insurance premium than employees who are less healthy. Employers are more often offering wellness and health promotion programs focused on promoting good health among their employees and employee's families. Driving this movement is the rising cost of health insurance, as well as disability leave and sick leave benefits. Added to these cots are those associated with lost productivity due to employees being off from work. The position of this writer prior to examining this issue is that employers would benefit from reducing health insurance costs for employees who are healthy and who follow a good health program.
Background of the Issue
The position taken and supported in this work in writing is that immediate actions should be taken by expanding public…
Dowd, B.E. And Feldman, R. (1987) Voluntary Reduction in Health Insurance Coverage: A Theoretical Analysis. Eastern Economic Journal, Vol. 13, No. 3 (Jul. - Sep., 1987), pp. 215-232
Casey, L. (2009) Incentives for Healthy Employees. The Health Council of the North Texas Region. 11 Jun 2009. Retrieved from: http://www.healthindustrycouncil.org/articles/incentives-for-healthy-employees.html
Molly French, MS, Shifting course of our nation's health, American Public Health Association April 2009. Retrieved from: www.apha.org
Appendix F -- Incentives for Healthy Behavior. Office of the Assistant Secretary for Planning and Evaluation - Office of Health Policy. Retrieved from: http://aspe.hhs.gov/health/blueprint/appendixf.shtml
Commercial Insurance, Medicaid, and MEDICARE
Commercial health insurance provides coverage to individual's medical expenses and groups. An example of individual medical expenses is private health insurance whereas an example of group health insurance is employer group health insurance. However, these insurance programs have varying premiums and benefits depending on the specific kind of plan. Moreover, individual private health insurance plans are usually more costly than group health insurance. There are several commercial insurance companies and plans that offer health insurance to individuals and groups such as Aetna and TRICARE respectively. Aetna is a group of TriWest Healthcare Alliance and Blue plans that differs from TRICARE insurance plans.
One of the similarities between Aetna and TRICARE is their purpose of providing health insurance to individuals and groups. Similar to TRICARE, one of the products and services provided by Aetna is health insurance coverage at low, reasonable prices. However, the commercial insurance…
The implication of this situation is, as employers look to defer more and more of the cost of health insurance to the employees, and as those jobs that provide healthcare benefits to employees become more scarce, the young people in America will not have access to care, and will suffer the physical neglect of that situation.
"In 1994, Congress failed to act on employer-mandated health insurance coverage. This insurance would have benefited mostly poor, working Americans -- those working in small businesses that did not provide health insurance. Medicare and Medicaid, for the most part, cover the older population and those on public assistance. Large businesses cover virtually all their employees. With few exceptions, people who are uncovered are employed by small businesses. Each year since 1994, over 1 million additional American workers, virtually all in small businesses, lost their health insurance coverage. This trend will continue because the…
Anderson, S.G., & Eamon, M.K. (2005). Stability of Health Care Coverage among Low-Income Working Women. Health and Social Work, 30(1), 7+. Retrieved September 9, 2008, from Questia database: http://www.questia.com/PM.qst?a=o&d=5009236500
Galambos, C. (2005). The Uninsured: A Forgotten Population. Health and Social Work, 30(1), 3+. Retrieved September 9, 2008, from Questia database: http://www.questia.com/PM.qst?a=o&d=5009236495
Hirschberg, D. (2001). The Job-Generation Issue and Its Impact on Health Insurance Policy. Challenge, 44(4), 82. Retrieved September 9, 2008, from Questia database: http://www.questia.com/PM.qst?a=o&d=5000854093
Affordable Health Insurance
The Need for State Participation in Health Care Insurance Exchanges to Provide for Affordable Health Care for Millions of Americans in Need
In the United States, we have basic rights to life and liberty. Yet, many major health care companies are infringing on those rights because they are exploiting health care insurance rates, which has left millions of Americans either underinsured or not insured all together. This puts their lives directly at risk with limited access to essential care. In order to best provide for their uninsured or underinsured citizens, states need to work with the regulations of the Affordable Care Act and open up exchanges to provide for affordable health insurance to the millions of Americans who are currently in need under the ineffective system that is operating today.
In the current situation, there is a lack of affordable health insurance options.
Moreover, health insurance companies…
Health Care for America Now. (2009). Health Insurance Company Abuses: How the Relentless Drive for Profit Endangers Americans. Web. Retrieved November 26, 2012 from http://hcfan.3cdn.net/48b73f19dac6bc9fa7_vzm6iijoh.pdf
Paddock, Catherine. (2007). 47 million Americans without health insurance, census report. Medical News Today. Web. Retrieved November 26, 2012 from http://www.medicalnewstoday.com/articles/80897.php
State of California. (2012). Stakeholders. California Benefit Exchange. Web. Retrieved November 26, 2012 from http://www.healthexchange.ca.gov/StakeHolders/Pages/Default.aspx
The White House. (2012). Affordable Care Act: The New Health Care Law at Two Years. Care Act. Web. Retrieved November 26, 2012 from http://www.whitehouse.gov/sites/default/files/uploads/careact.pdf
OBRA Health Insurance
How OBRA Works
Davis was terminated from his employment because of long absence from work and not because he voluntarily resigned or any gross negligence on his part. Therefore, he and his family are eligible for health insurance coverage under the onsolidated Omnibus Budget Reconciliation Act (OBRA) provided his company maintains its group health plan and still has 20 or more employees for which they currently have 100. If his former employer were to have fewer than 20 employees, then he might still be eligible for what is called mini-OBRA. The OBRA Act was put into law in 1986 in order to provide continuation of group health coverage for workers who have lost their jobs. The Act allows for the unemployed individual to avoid any gaps in coverage that would prevent them from having pre-existing conditions excluded once they were able to obtain group health…
Challenges Facing the State or Local Government
It has been estimated that 46 million Americans were uninsured in during 2006-2007 (Gulley, 2011 p. 368). Chronically ill adults often require expensive health care services, which put a drain on available resources available to provide health care to uninsured, low-income individuals. When these adults forego the care they need, they become sicker and will then require increased health services, which will incur additional expense. These expenses need to be covered somehow and under the law; hospitals cannot refuse to provide treatment to individuals who are in need of emergent care to save the life of or to stabilize a critically ill patient. State governments are required to fund programs such as Medicaid, which provides coverage for low-income persons who cannot afford to pay for health care. Individuals with chronic health issues that require extensive medical care cause a drain on that system. Studies have also shown that patients on Medicaid often are underinsured and receive a poorer quality of care, which has raised mortality rates among those individuals (McWilliams, p. 479).
A solution to providing better coverage to chronically ill patients would be to reform health care through the Affordable Care Act at the state level by opening up the availability of state-sponsored health insurance programs such as Medicaid. The state's have the option of receiving extra funding from the federal government, however some have chosen not to receive it. (Jacobi, 2011, p.69). In the case
United States and National Healthcare Insurance:
A Winning Proposition?
Physical health and well-being are among the most basic needs and desires of human beings. We all hope that neither ourselves nor our families will ever be the victims of sickness, incapacitation, or any other malady. We hope too that if we ever do require the services of professional Healthcare providers we will not be bankrupted by the expense. Yet, it is a fact of life, that good Healthcare does not come cheaply. Especially in the United States, physicians hospitals, and other forms of medical care are extremely expensive. Like their counterparts in so many other fields, American medical practitioners are among the most highly paid in the world. A serious illness, especially one requiring hospitalization, can spell financial ruin. It is of course for these reasons that so many Americans have Healthcare insurance. Nevertheless even this insurance is very costly.…
1. Allen, Mike. (14 September 2004). "Bush Assails Kerry on Health Care; Democrat's Plan Would Mean More Taxes, He Says." The Washington Post.
2. Clark, C., & Mceldowney, R. (2000). The Performance of National Health Care Systems: A "Good News, Bad News" Finding for Reform Possibilities. Policy Studies Review, 17(4), 133.
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Strengths of the Korean Long-Term Care Insurance Scheme (LTCI)
As Kang, Park, and Lee (2012) point out, “with the rapid aging of the population, Korea introduced public long-term care insurance for older people in 2008.” It is important to note that South Korea’s long-term care insurance (LTIC) has a number of strengths. These will be highlighted in this text.
First, the United Nations Economic and Social Commission for Asia and the Pacific – UNESCAP (2016) points out that the LTCI scheme has greatly enhanced the welfare of not only the aging population, but also families taking care of older persons. This, according to the UNESCAP, is more so the case given that with the LTCI scheme, the country effectively transformed the long-term care services which were largely residual and selective into universal care services. It is important to note that prior to the introduction of the LTCI scheme, older person…
Throughout my life, I have exemplified core Christian values like faith and temperance. Christian role models have helped me to shape a character and identity that is conducive to a life of selfless service, which I view the nursing profession to be. I want nothing more than to participate in a Christian nursing community, with the goals of making the world a better place one patient, and one community, at a time. Effective nurse education will allow me to develop my skills in all areas of nursing: from leadership to bedside practice. The Mark and Huldah Buntain School of Nursing is unique in that it offers a perfect fusion of Christian values with cross-cultural awareness, and correspondingly, cultural sensitivity.
I have always valued my spiritual health every bit as much as my physical and psychological health. This is why I gravitated towards the Mark and Huldah Buntain School…
ood indicates that "everyone has different motivations and aspirations that they wish to achieve in their life. ork-life balance is about adjustments that can be made to working patterns to enable people to combine work with the other facets of their life. Bratton and Gold (2003: 105) de-ne work-life balance as, 'the relationship between the institutional and cultural times and spaces of work and non-work in societies where income is predominantly generated and distributed through labour markets.'" (p. 388) This implicates various aspects of one's working experience, including the manner in which one's responsibility's are balanced with one's personal needs; the degree to which social needs are constructed within the workplace; and the manner in which the employer goes about providing opportunities for attendance of personal needs for employees. This definition is also underscored by the basic assumption that employee morale and work/life balance are inextricable and that, additionally, these…
Allen, P. (2000). Wegmans Tops Best CNY Companies to Work for in America. The Business Journal, Central New York.
Ayree, S.; Srinivas, E.S. & Tan, H.H. (2005), Rhythms of Life: Antecedents and Outcomes of Work-Family Balance in Employed Parents. Journal of Applied Psychology, 90(1), 132-146.
Boyle, M. (2005). The Wegmans Way. CNNMoney.com.
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Life can be shattering. Deception, lies, and tremendous heartache can derail the most prodigious, honest, and sincere individual. Devastation can acquiescent a beautiful and wonderful spirit into a horrendous downward spiral to where there appears to be no hope. When our 'bubble' of a world is popped, we often become disoriented, unable to ascertain the fact from fiction, and can then start having negative and harmful thoughts.
Given the circumstances to which I have had to overcome, a tremendous amount of resolve was required, which enabled me to persevere through my darkest moments. Betrayal and heartache can ruin one's perception of what life is about. Indeed, there are many who never enjoy the love or reach a pinnacle of happiness that I've enjoyed. To these individuals, I feel my empathy given my triumphs and set backs will undoubtedly enable a clear perspective, rich with insight to…
Assessing the ability of these individuals to perform basic tasks in their daily lives can also have much significance (Marshall, Warren, Hand, Xie, & Stumbo, 2002). Many older Americans are able to feed and clothe themselves without apparent problems, but others are not as fortunate (Marshall, Warren, Hand, Xie, & Stumbo, 2002). If they are unable to do these things correctly without help, their nutritional status will often suffer (Marshall, Warren, Hand, Xie, & Stumbo, 2002). Patients who are older should be assessed for their ability to do these simple tasks, and also for their ability to perform slightly more complex tasks such as fixing their own meals, cleaning their house, and balancing their checkbook (Marshall, Warren, Hand, Xie, & Stumbo, 2002). Sometimes cognitive impairment will lead to a lack of nutrition, and when this is the case, it often shows up in forgetfulness and an inability to perform even…
Bartholomew LK, Parcel GS, Kok G, & Gottlieb NH. 2001. Intervention Mapping: Designing Theory and Evidence-Based Health Promotion Programs. Mountain View, CA: Mayfield Publishing Company.
Collinsworth, R., & Boyle, K. 1989. Nutritional assessment in the elderly. Journal of Gerontological Nursing 15(12): 17-21.
Gambrell, K.A. 2003. White House rolls out Medicare reform plan. United Press International.
Industry Group 91, 2000. President Clinton releases new state-by-state report demonstrating urgent need for Medicare reform. Regulatory Intelligence Data.
An unemployment insurance essay write a well-developed essay (1-2 pages) describing how unemployment insurance programs operate in the United States, and some of the arguments for and against such programs.
How Unemployment Insurance Works
Unemployment insurance is a program that exists in the United States at the federal and state levels combined and it allows people to have a bit of a safety net when they lose their job, especially if the job loss is unexpected. Indeed, people that quit on their own terms do not get money after leaving a job. However, people that are fired or laid off generally get at leats a few months of insurance. In times of higher economic strain such as the Great Recession, the length of the allowable benefits is often extended. While most people would not argue that unemployment insurance is not needed, there are many that say the…
Health Care Finance
Greenwald engages in a discussion comparing the U.S. health care system to, well, other health care systems. An interesting methodological fault is that Greenwald cherry-picks his examples. In one paragraph, he compares the U.S. with Canada, in other the UK, and in another Spain. he problem, methodologically, is that he can cherry-pick data from whatever country best suits his argument. What this means, in terms of interpretation, is that Greenwald's findings need to be taken with a grain of salt. As an example, Greenwald notes higher wait times in three countries for urgent coronary artery bypass. Nobody likes high wait times, but Greenwald's U.S. figure doesn't factor in the uninsured, whose wait time is infinity. hey just die. he issue many have with the U.S. system is not that performance is poor; it is that performance is only good when you can afford it.
his cuts to…
This cuts to the heart of the difference between the U.S. And other industrialized countries. The trade-off between quality of care and universal care exists in any nation. The trade-off that other countries have made is that they have chosen universal care, even when there are times when service standards are lower. In the U.S., there has never been a strong collective motivation to make that trade-off. There are reasons for this, and they are more social that medical. While some have argued that lobbyists are the issue, I disagree with that assessment, because most other nations adopted universal health care long before lobbyists took over the U.S. government. The lack of universal health care in the U.S., therefore, is more related to social factors. The erosion of the manufacturing base has in turn eroded the sort of jobs where working class Americans can get health insurance; replace such jobs with part-time retail and the number of insured will decrease. Further, at-risk groups such as the poor, African-Americans, Native Americans and the disabled are disproportionally uninsured (Link & Phelan, 1996). There is a certain lack of concern with the well-being of these groups that has resulted in a lack of desire to provide insurance for them. It's kind of the elephant in the room -- while Canada and Europe were developing universal health care, a lot of parts of the United States were having trouble wrapping their head around desegregation in schools. We should not be so naive as to think this mentality does not play a role in public opposition to universal health care. As well, health care costs were manageable and for most, the system has worked reasonably well. This means there was no impetus for change -- only recently with the explosion of health care costs has there been concern about paying for health insurance even from the middle class.
There are a number of reasons why health care costs are lower in other nations. Greenwald notes that American health care facilities are more likely to invest in the most modern equipment. I wish he did not cherry-pick his supporting evidence ("seniors in Miami in the last six months of their lives receive the best care anywhere in the world") because this is a fairly demonstrable reality. At the top end, the U.S. health care system is usually better than in other countries. The fault Greenwald has is not following through and asking why this is. He is correct in pointing out that the best care can and should cost more. But facilities invest so heavily for two key
United States Supreme Court ruling on same sex marriage. The paper also examines how that decision impacted management policy decisions in terms of public safety administration. An examination of the ruling's overall impact on public policy is also given. eactions on the ruling are given in the end.
Background knowledge on same sex marriage
For the majority of Americans, the matter of same sex marriage may have first come to their knowledge when it burst into the political limelight in late 2003. At this time, Massachusetts' highest court ruled that the state had no authority or grounds on which to deny lesbian and gay couples the right to marriage. In the next few months after the ruling in the state same sex marriage ceremonies were conducted in many counties and cities across the United States (U.S.) including mass weddings in the city of San Francisco. This brought a lot of…
Archibald, C. (2014). Is Full Marriage Equality for Same-Sex Couples Next? The Immediate and Future Impact of the Supreme Court's Decisions in United States v. Windsor. Valparaiso University Law Review, 48(3), 695-713. Retrieved, from http://scholar.valpo.edu/cgi/viewcontent.cgi?article=2341&context=vu
Brewer, P., & Wilcox, C. (2005). Same-Sex Marriage and Civil Unions. Public Opinion Quarterly, 69(4), 599-616. Retrieved, from http://poq.oxfordjournals.org/content/69/4/599
Bruggeman, K. (2015, June 26). NationalJournal.com. Watch These Two GOP Presidential Candidates After the Supreme Court's Gay Marriage Decision - NationalJournal.com. Retrieved August 22, 2015, from http://www.nationaljournal.com/2016-elections/supreme-court-gay-marriage-republican-presidential-jindal-kasich-20150625
Flores, A. (2015). Examining Variation in Surveying Attitudes on Same-Sex Marriage: A Meta-Analysis. Public Opinion Quarterly, 79(2), 580-593. Retrieved, from http://poq.oxfordjournals.org/content/79/2/580.abstract
The dilemma is often easier to resolve once those emotions and assumptions are put into their rightful context.
For this paper, critical thinking came into play was logic. It is understood that initially the nursing profession had issues with HIPAA. These issues were practical, however, and when the law was matched up against the underlying principles and the Code of Ethics, it became apparent that the guidelines that can be used for resolving any ethical dilemma are fairly consistent. There is still some leeway for professional judgment, as Lo et al. (2005) wrote but the Code of Ethics does a strong job of filling in the blanks left behind by the legislation. Once this was pieced together, the argument for easy resolution of ethical dilemmas became clear.
American Nursing Association. (2009). Code of ethics for nurses with interpretive statements. American Nursing Association. etrieved October 17, 2009 from http://nursingworld.org/ethics/code/protected_nwcoe813.htm#3.1
American Nursing Association. (2009). Code of ethics for nurses with interpretive statements. American Nursing Association. Retrieved October 17, 2009 from http://nursingworld.org/ethics/code/protected_nwcoe813.htm#3.1
Bendix, J. (2009). News: New "red flags rule' focuses on medical identity theft. Contemporary OB/GYN. Retrieved October 17, 2009, from http://contemporaryobgyn.modernmedicine.com/obgyn/Modern+Medicine+Now/News-New-Red-Flags-Rule-focuses-on-medical-identit/ArticleStandard/Article/detail/597492
Lo, B.; Dornbrand, L. & Dubler, N. (2005). HIPAA and patient care: The role for professional development. Journal of the American Medical Association. 2005; 293: 1766-1771.
No author. (2003). What is HIPAA? HIPAAps.com. Retrieved October 17, 2009, from http://www.hipaaps.com/main/background.html
Workplace Discrimination & Harassment
As an employee of a company, what can you do to personally to minimize discrimination and harassment?
There are several things that can be done by an individual if an employee is witnessing discrimination, whether it be because of religion, race, national origin, gender, gender identity, or because of the age of a worker.
If the discrimination is being conducted by another worker, clearly this should be reported to management. It would not be my place to go to the perpetrator and try to stop him. Hence, I should inform the union representative, or the appropriate manager at work.
Of course there is the risk that if I report that rude person for bullying another worker, or for making detrimental comments to that person, when the perpetrator finds out it was me I would be taking the risk of retaliation from that person. Still, it is…
spending time reflecting on the lives and accomplishments of Fannie Coralie Perkins, Betty Friedan, Eleanor Roosevelt, Margaret Louisa Higgins, and Ida B. Wells-Barnet, a number of responses come to mind. First, it is important to note what makes each of these women unique and how they contributed uniquely to society. Second, it is important to note how they are all similar and how the contributed collectively to the evolution of women in society.
Fannie Coralie Perkins was born in the late 19th Century and lived 85 years (until 1965). Almost 20 years after (1982) her death, Perkins was inducted into the National Women's Hall of Fame, an honor bestowed upon her posthumously because of the substantial mark she left on history. One of the defining moments that sparked her interest in issues of social justice and, subsequently her life's work, was her witness of the "Triangle Shirtwaist Fire," where several…
What issues should be considered when a freezing order is issued against your client?
A freezing order, of course, is when the assets in question are frozen. This does not change the ownership of the asset but it does deprive the person from moving or harnessing the asset for as long as it's frozen. A frozen bank account is a specific example of this but it can apply to life insurance or any other retirement asset. The courts can issue a freeze order as can certain high-level politicians like the President if there are foreign business or people involved. A freezing order does not mean that the assets have been or will be confiscated but it could end up being that way depending on what is going on.
As for how to react to a freezing order, the first order of business is to figure out why the assets…
Adkisson, J. (2013, March 27). New Uniform Asset-Freezing Orders Act Has Rocky Start In Colorado - Forbes. Information for the World's Business Leaders - Forbes.com. Retrieved August 18, 2013, from http://www.forbes.com/sites/jayadkisson/2013/03/27/new-uniform-asset-freezing-orders-act-has-rocky-start-in-colorado/
IRS. (2013, August 18). Taxation of Nonresident Aliens. Internal Revenue Service. Retrieved August 18, 2013, from http://www.irs.gov/Individuals/International-Taxpayers/Taxation-of-Nonresident-Aliens
IRS. (2013, August 18). Publication 535 (2012), Business Expenses. Internal Revenue Service. Retrieved August 18, 2013, from http://www.irs.gov/publications/p535/ch06.html
Kiplinger. (2010, June 1). Variable Life Insurance-Kiplinger. Personal Finance News, Investing Advice, Business Forecasts-Kiplinger. Retrieved August 18, 2013, from http://www.kiplinger.com/article/insurance/T034-C000-S001-variable-life-insurance.html
Once the report is analyzed, we have a sense of how the SOT will shape up. However, this must be supplemented with sources that have less bias. For a company analysis, this tends to be the financial news, of which there are dozens of quality sources. Academic research seldom provides sufficient or timely insight into a company's operations, but may have value for broad-based issues. The insurance industry, for example, is the subject of economics-related academic papers. However, the financial markets are driven by access to detailed, accurate and timely information. Money, rather than academic reputation, is at stake, and that makes these sources far more valuable in our ability to understand a company and its operations. Thus, the financial news should be scoured for facts, insight and analysis with regards to Allstate's operations and role within the insurance industry.
The process used to learn about Allstate will need to…
No author. (2008). Commercial Insurance 2008. Insurance Information Institute. Retrieved August 6, 2008 from http://www.iii.org/media/facts/
No author. (no date). Considerations in Writing Success Criteria. University of South Carolina. Retrieved August 6, 2008 at http://hr.sc.edu/profdevp/classes/epms/handouts/epms.handout4.pdf
No author. (2008) Gap Analysis. University of Cambridge. Retrieved August 6, 2008 at http://www.ifm.eng.cam.ac.uk/dstools/choosing/gapana.html
Barr, Stacey. (2008). How to Make Your Performance Measurement Plan Realistic. ArticleBase. Retrieved August 6, 2008 at http://www.articlesbase.com/management-articles/how-to-make-your-performance-measurement-plan-realistic-510016.html