Underwriting employee benefit employee insurance. Medical search. Frequent questions

Family coverage is medically underwritten. (google.com)
These groups are medically underwritten on an individual applicant basis. (aaltci.org)

I am a graduate of the University of Michigan's actuarial program and a health and life actuary, with 25 years of experience working for a variety of companies, including insurance companies (Prudential), HMOs (Physicians Health Services), reinsurers (Transamerica Reinsurance), managing general underwriters (Management Facilities Corporation) and consulting houses (Coopers & Lybrand, The Segal Company). (soa.org)
Before hiring, more and more companies require prospective employees to pass an actuarial exam, which tests proficiency in calculus, statistics and probability. (campusexplorer.com)
The company created a program in which 3,600 workers who had reached the retirement age of 60 received full pension benefits, 4,000 workers aged 40-59 who had ten years with Studebaker received lump sum payments valued at roughly 15% of the actuarial value of their pension benefits, and the remaining 2,900 workers received no pensions. (wikipedia.org)

I am also a licensed insurance broker and reinsurance intermediary. (soa.org)
Aquarius Capital provides consulting services in insurance, reinsurance and employee benefits in the life, accident and health insurance field. (soa.org)
Our organization has developed a wide range of consulting disciplines as a life and health actuary, as well as an underwriting consultant and broker/reinsurance intermediary. (soa.org)
At that same time, I was a consulting actuary helping hospitals build themselves into HMOs, assisting insurance companies to grow and purchase reinsurance, while also working as a computer programmer doing pension and retiree health valuations. (soa.org)
Mr. Coleman also has a specialty in the Insurance and Reinsurance Industry . (experts.com)
Prior to his consulting career, he spent more than eight years in the insurance and reinsurance industry. (experts.com)
Mr. Coleman is often called upon to perform expert analysis relating to Damages in Insurance or Reinsurance Disputes . (experts.com)
The field of reinsurance, in which one insurance company shares a liability policy with another in exchange for part of the premium, also employs some actuaries. (campusexplorer.com)
The insurer may hedge its own risk by taking out reinsurance , whereby another insurance company agrees to carry some of the risks, especially if the primary insurer deems the risk too large for it to carry. (wikipedia.org)
If granted, the exemption would permit the captive to engage in certain transactions involving reinsurance to the captive of the life, accidental death and dismemberment and long-term disability insurance benefits policy issued by The Prudential Insurance Co. of America, according to Google's request letter. (insurancejournal.com)

In the United States, a third-party administrator (TPA) is an organization that processes insurance claims or certain aspects of employee benefit plans for a separate entity. (wikipedia.org)
This can be viewed as outsourcing the administration of the claims processing, since the TPA is performing a task traditionally handled by the company providing the insurance or the company itself. (wikipedia.org)
Often, in the case of insurance claims, a TPA handles the claims processing for an employer that self-insures its employees. (wikipedia.org)
An insurance company may also use a TPA to manage its claims processing, provider networks, utilization review, or membership functions. (wikipedia.org)
The TPA acts like a claims adjuster for the insurance company and sometimes works in conjunction with the inside insurance company claims adjuster or an outside claims investigator as well as the defense counsel. (wikipedia.org)
Some self-insured retentions are in the millions of dollars and the TPAs are large multinational non-insurance entities that handle all the claims. (wikipedia.org)
A few years later, he was appointed president of Program Brokerage Corporation and Claims Administration Corporation, which are HUB International Group Northeast Limited's (HUB NOE) wholesale insurance subsidiary and claims management divisions. (insurancebusinessmag.com)
We prepare you for diverse careers in the real estate and insurance industries, including underwriting, risk modeling and analysis, claims adjusting, and employee benefits. (radford.edu)
Hynes was required to locate group health insurance for Fairfield because Fairfield's current health insurance carrier, Blue Cross/Blue Shield of Northern Ohio, indicated it would raise the premiums for all Fairfield employees based upon Fairfield's recent claims history. (findlaw.com)
When Blue Cross/Blue Shield notified Hynes of this premium increase, it supplied him with a claims history for Fairfield employees over an eight-month period which showed each claim for each employee. (findlaw.com)
3 The claims reflected some serious health problems for several Fairfield employees and their dependents. (findlaw.com)
Andy manages client insurance programs using a proactive approach to risk control, negotiations with underwriters, claims management, and mitigation of risks present in the commercial real estate space. (psfinc.com)
If the insured experiences a loss which is potentially covered by the insurance policy, the insured submits a claim to the insurer for processing by a claims adjuster . (wikipedia.org)
Insurers recognize that sick or disabled employees are more likely to enroll which poses a larger future risk of costly claims. (aaltci.org)
Proper claims handling is a vital component of any insurance organization-and K&K Insurance is known for the exceptional service that our in-house Claims Department offers. (kandkinsurance.com)

Develop and maintain an extensive knowledge of insurance coverages and markets. (psafinancial.com)
A knowledgeable group long term care insurance professional can tell you what coverages are currently being offered and which will best help you achieve your objectives. (aaltci.org)
7) recognize the service to the state by employees and retired employees of community supervision and corrections departments by extending to them and their dependents the same life, accident, and health benefit coverages as those provided under this chapter to state employees, retired state employees, and their dependents. (texas.gov)
1) "Administering firm" means a firm designated by the board of trustees to administer coverages, services, benefits, or requirements in accordance with this chapter and the rules adopted by the board of trustees under this chapter. (texas.gov)

Insurance products are underwritten by the subsidiaries of Unum Group. (unum.com)

California's public employees receive a higher portion of their compensation in the form of employer‐provided benefits, and the mix of benefits is different. (epi.org)
When total compensation-both the cost of employer‐provided benefits and direct pay-is taken into account, state and local public sector workers in California are similarly compensated to workers in the private sector. (epi.org)
Thus, the employer is acting as an insurance company and underwrites the risk. (wikipedia.org)
For example, an employer may choose to help finance the health care costs of its employees by contracting with a TPA to administer many aspects of a self-funded health care plan. (wikipedia.org)
Estimates on the incidence (access to and participation in) and key provisions of selected employer-sponsored benefits for retirement, healthcare, life insurance, paid leave, disability, and other benefits are published annually, with a March reference period. (bls.gov)
For example, if an employee is permitted to participate in a medical care plan offered by the employer, but the employee declines to do so, he or she is placed in a category with those having access to medical care. (bls.gov)
Benefits are based on employer and, occasionally, employee contributions. (bls.gov)
Contributions (under qualified employee benefit plans, such as pensions and health insurance) made by an employer on behalf of employees, deducted as a business expense for tax purposes. (realestateagent.com)
For example, key employees can be designated to participate in an 'executive carve out' plan where the employer pays all or part of the costs while other employees are offered the ability to enroll in the plan on a voluntary basis. (aaltci.org)
9) "Full-time employee" means an employee designated as a full-time employee under Section 1551.319 (c) or (d) or an employee designated by the employer as working 30 or more hours a week. (texas.gov)
11) "Part-time employee" means an employee designated by the employer as working less than 30 hours a week. (texas.gov)
Today, nearly half the U.S. population is covered by employer-sponsored dental insurance. (avma.org)
an employer may choose to pay all or some of the premium, or may elect for employees to pay their own premium. (avma.org)
Employer Information: Ameritas provides financial services, employee benefits and insurance to customers across the country. (unl.edu)
Later amendments to ERISA require an employer who withdraws from participation in a multiemployer pension plan with insufficient assets to pay all participants' vested benefits to contribute the pro rata share of the plan's unfunded vested benefits liability. (wikipedia.org)
Defined contribution plans provide retirees with benefits based on the amount and investment performance of contributions made by the employee and/or employer over a number of years. (wikipedia.org)

Coverage can be entirely employee-paid, offering a way to expand coverage options for employees without impacting your budget. (coloniallife.com)
Employees can choose coverage for just themselves, or they can select family coverage for their spouses and children. (coloniallife.com)
No medical underwriting to qualify for coverage. (coloniallife.com)
Employees can get accident coverage without answering health questions. (coloniallife.com)
Additional benefit provisions 1 available may include Active Lifestyles, Behavioral Health Therapy, Personal Safety Benefit, and a Building Benefit that increases the value of coverage over time. (coloniallife.com)
Accident insurance provides a benefit directly to employees if they are injured (may be on or off the job depending on the level of coverage) and need treatment, whether they go to a physician's office, urgent care center or the emergency room. (coloniallife.com)
Employees should carefully consider whether they need short term disability coverage if they have more than a 60 day sick leave balance remaining with the district. (google.com)
Employees are automatically provided basic Life and basic Accidental Death and Dismemberment (AD&D) coverage of $10,000 at District Expense with Standard Insurance company through OEBB. (google.com)
Employees may purchase the optional coverage listed below. (google.com)
Note, employees may only purchase optional life insurance when first eligible for coverage through the district. (google.com)
Employees may purchase up to a $200,000 Optional Life and AD&D limit for themselves without providing proof of medical insurability when first eligible for coverage (newly hired. (google.com)
Employees may purchase up to $10,000 Optional Life and AD&D for children when newly eligible for coverage. (google.com)
The Oregon Educator's Benefit Board (OEBB) contracts with UNUM Insurance Company to provide Long Term Care Insurance to member districts Long Term Care Coverage is available to all benefit eligible employees, participation is voluntary and at employee expense. (google.com)
Family members of employees are also eligible for long term care coverage. (google.com)
This information is not intended to be a complete description of the insurance coverage available. (coloniallife.com)
For cost and complete details of coverage, call or write your Colonial Life benefits representative or the company. (coloniallife.com)
Members of Congress and the Obama administration have assured us that on January 1, 2014, junk health insurance plans - which offer only the illusion of adequate coverage to the millions of Americans enrolled in them - will become a thing of the past. (publicintegrity.org)
Policies offer you coverage for life, guaranteed benefits in the event of your death and a cash value that grows each year, one that you can add to on a tax-favored basis or even borrow against in some cases. (uhone.com)
When Hynes realized he would need to search for more economically feasible group health coverage, he contacted several independent insurance sales agents, including Sophocles Sophocleous of Alpha Benefits. (findlaw.com)
The amount of money charged by the insurer to the policyholder for the coverage set forth in the insurance policy is called the premium . (wikipedia.org)
Every VHI plan covers hospital admission and daily room and board expenses with the plan-level option to add critical care and wellness screening benefit coverage as well. (reliancestandard.com)
To provide as much information as possible, we explore the various types of group long-term care insurance coverage. (aaltci.org)
This was reflected in the cost and typically employees who were in good health and married could get better coverage for less money (even from the same insurance company) because individual long-term care insurance policies offered discounts to couples and those who are in relatively good health. (aaltci.org)
Typically, these plans tended to be voluntary benefits, with employees paying the full cost for whatever coverage they selected. (aaltci.org)
You can opt out of City-provided health plan coverage by submitting the Opt-Out form available on the Employee Benefits website along with proof of other health insurance coverage. (eugene-or.gov)
If you do not submit a Health Plan Enrollment Form or Opt-out of health insurance coverage within 60 days of your date of hire, you will be automatically enrolled in employee-only coverage in the City's Default Health Plan. (eugene-or.gov)
3) "Basic coverage" means the group coverage plans determined by the board of trustees in which each eligible full-time employee and annuitant participates automatically unless participation is specifically waived. (texas.gov)
A 1999 LIMRA International study found that dental coverage is second only to medical insurance in terms of a desired benefit. (avma.org)
Despite the relatively low cost of dental insurance, finding affordable and comprehensive coverage has been a challenge for veterinarians. (avma.org)
Thanks to the group purchasing power of the AVMA GHLIT, veterinarians and their staff can benefit from the high-quality dental coverage and pricing typically reserved for large groups. (avma.org)
The coverage is underwritten by Ameritas Life/First Ameritas, one of the leading dental carriers in the nation. (avma.org)
The company offers insurance products such as commercial property and casualty insurance, employee benefits, risk management and individual insurance coverage. (pitchbook.com)
Reliance Standard specializes in innovative and flexible employee benefits solutions including group disability and term life, a suite of voluntary coverage options, medical stop loss, and fully-integrated absence management. (limra.com)
Champlain College has partnered with Wellfleet Group LLC for student health insurance coverage. (champlain.edu)
For example, a defined benefit plan must pay a married participant's pension as a "joint-and-survivor annuity" that provides continuing benefits to the surviving spouse unless both the participant and the spouse waive the survivor coverage. (wikipedia.org)
The Pension Benefit Guaranty Corporation was established by ERISA to provide coverage in the event that a terminated defined benefit pension plan does not have sufficient assets to provide the benefits earned by participants. (wikipedia.org)

10-a) "Participant" means an eligible individual who participates in the group benefits program. (texas.gov)

Acupuncture, midwives, and osteopathic treatments are examples of formerly excluded treatments that are now covered under many health insurance policies. (freeadvice.com)
the insured allows a hospital or doctor to collect your health insurance benefits directly from your insurance company. (freeadvice.com)
group plans generally have a conversion privilege that allows an employee to covert to an individual health insurance plan upon termination of employment. (freeadvice.com)
Health insurance accounts for 7.7% of private‐sector compensation but 11.8% of state and local government employee costs. (epi.org)
Must currently hold a Maryland life and health insurance producer license and retain the license by meeting the continuing education requirements, or be willing to obtain this license within 60 days of hire. (psafinancial.com)
Milliman's Tampa Office provides a variety of Health Insurance, Health Care services, and Pharma consulting services to law firms, health plans, insurance companies, HMO's, Blue Cross/Blue Shield plans, hospitals and other providers, employers and government agencies. (experts.com)
One of Hynes's first duties was to find group health insurance for Fairfield, after learning Fairfield's system and balancing its account records. (findlaw.com)
The insurance industry employs more than half of all actuaries and those professionals specialize in property and casualty insurance or life and health insurance. (campusexplorer.com)
Life and health insurance actuaries assist in the development of health and long-term-care insurance policies by studying common groups (those with a family history of illness or those living in a certain area for example) and predicting the chances of cancer, stroke, diabetes, heart disease and so on. (campusexplorer.com)
A mandatory out-of-pocket expense required by an insurance policy before an insurer will pay a claim is called a deductible (or if required by a health insurance policy, a copayment ). (wikipedia.org)
A full 75% of people with health insurance say the amount they were charged for copays, deductibles or coinsurance was more than they could afford. (unum.com)
Please contact the Director, OISS regarding health insurance for international students and exchange visitors (including visiting faculty members) at Champlain. (champlain.edu)
Methods: We conducted a cohort study using health insurance records of Japanese clinic and hospital visits between 2012 and 2016. (bvsalud.org)

Voluntary benefits, sometimes called supplemental insurance, are often employee-paid policies that can help enhance the health and life insurance employers provide. (coloniallife.com)
Colonial Life's voluntary benefits let you offer your employees better benefits at no direct cost to you. (coloniallife.com)
On Wednesday, the third annual Voluntary Benefits and Limited Medical Conference will open at the Marriott Renaissance Schaumburg Convention Center, not far from Chicago's O'Hare airport. (publicintegrity.org)
In his current role Kirk leads product development and strategic distribution alliances in and around the voluntary benefits, online exchange and benefits administration market space for Reliance Standard, a leading benefits insurance carrier. (limra.com)
Dan Fishbein is President, Sun Life Financial U.S., overseeing the U.S. insurance businesses, which include a leading stop-loss and employee benefits business, an expanding voluntary benefits business, and large in force blocks of individual life insurance. (limra.com)

Learn more about it below and how it may work with Critical Illness Insurance as well. (uhone.com)
Term Life from UnitedHealthcare has another benefit you can choose to add, Critical Illness. (uhone.com)
If you purchase the optional Critical Illness rider F45 and are diagnosed with a qualifying illness, you can receive a cash benefit. (uhone.com)
The benefit amount received from the Critical Illness rider will be subtracted from your Term Life insurance policy benefit. (uhone.com)
4. The amount of Critical Illness benefit paid reduces the amount of Term Life benefit remaining (for example, $50,000 Term Life benefit - $25,000 Critical Illness benefit paid = $25,000 Term Life benefit remaining. (uhone.com)
That's why Unum added a new accident and critical illness features to its health benefit offerings, which can help ease the financial pressure caused by out-of-pocket expenses when an accident, injury or illness occurs. (unum.com)

an insurance policy that the company will renew with each premium payment, as long as you meet certain conditions. (freeadvice.com)
Employees are automatically provided Long Term Disability insurance with Standard Insurance Company through OEBB. (google.com)
American Fidelity Insurance Company - Contact Todd Wells directly to enroll. (google.com)
Instead of handling all the plan contributions by employees, distributions to employees, and other aspects of plan processing, the investment company may contract with a third-party administrator to handle much of the administrative work and only handle the remaining investment work. (wikipedia.org)
Insurance products are underwritten by Colonial Life & Accident Insurance Company, Columbia, SC. (coloniallife.com)
Interface effectively and confidently with senior management of clients and/or prospects, representing the insurance company in the highest professional manner. (psafinancial.com)
Term Life Insurance from UnitedHealthcare, underwritten by Golden Rule Insurance Company, can play a part in helping you to protect your family's finances in your absence. (uhone.com)
UnitedHealthcare Term Life SafeGuard plans from Golden Rule Insurance Company are sold in 10 or 20 year. (uhone.com)
So I was in a unique position to see not only how Wall Street analysts and investors influence decisions insurance company executives make but also how the industry has carried out behind-the-scenes PR and lobbying campaigns to kill or weaken any health care reform efforts that threatened insurers' profitability. (prwatch.org)
An entity which provides insurance is known as an insurer , insurance company , insurance carrier , or underwriter . (wikipedia.org)
MetLife's worldwide benefits products are underwritten by Delaware American Life Insurance Company, a MetLife affiliate domiciled at 600 North King Street, Wilmington, DE 19801, and other affiliates. (metlife.com)
Reliance Standard Life Insurance Company (Home Office Schaumburg, IL) is licensed in all states (except New York), the District of Columbia, Puerto Rico, the U.S. Virgin Islands and Guam. (reliancestandard.com)
First Reliance Standard Life Insurance Company (Home Office New York, NY) is licensed in New York and Delaware. (reliancestandard.com)
Standard Security Life Insurance Company of New York (Home Office New York, NY) is licensed in all states. (reliancestandard.com)
But, with only one insurance company currently offering 'true group' even larger companies with 500 or more employees now use this approach. (aaltci.org)
Today, only one insurance company offers what is commonly referred to as "true group" long-term care insurance. (aaltci.org)
Beyond the advantageous health underwriting, an advantages of true group plans is that company representatives generally do not have to be licensed agents in every state to represent the plan and enroll participants. (aaltci.org)
During the underwriting risk assessment process, the company may obtain critical health information that could actually push succession planning to be a top priority. (iowaabi.org)
Web search giant Google Inc. has been granted tentative approval from the Department of Labor to form a captive insurance company in Hawaii to cover employee benefits for thousands of the Mountain View, Calif.-based web giant's U.S. workforce. (insurancejournal.com)
The tentative approval puts the firm one step closer to forming the captive under its wholly owned captive insurance company, Imi Assurance Inc. (insurancejournal.com)
And for a company that has its own captive, it's a way to "possibly capture underwriting gains," O'Donnell said. (insurancejournal.com)
The insurance program includes roughly 15,000 of Google's U.S. employees, which the company covers under an employee welfare benefit plan, according to the letter. (insurancejournal.com)
Under his leadership, the company completed its acquisition of Assurant Employee Benefits. (limra.com)

In our experience, institutional investors are wary of insurers' sensitivity to low interest rates, their regulatory and accounting complexity, and the risks inherent in long-tail products such as annuities, long-term care insurance, and decades-old commercial P&C liabilities. (mckinsey.com)
2. Pooling of risk by underwriting insurance and annuities. (top500.de)

Note that the term "incidence" can refer to either rates of access or rates of participation in a benefit plan. (bls.gov)

It is also a term used to define organizations within the insurance industry which administer other services such as underwriting and customer service. (wikipedia.org)
The insurance includes benefits for X-rays, hospital stays or prescription drugs after an accident, along with increases for common accidents including fractures, dislocations and emergency dental services. (unum.com)
Unum Group (NYSE: UNM), an international provider of workplace benefits and services, has been helping workers and their families for 175 years. (unum.com)
Consider that the performance of the KBW Nasdaq Insurance Index (KIX), which reflects the performance of US insurance companies, has not surpassed that of the Financial Select Sector SPDR Fund (XLF), which tracks the performance of all US financial-services companies, in four of the past five years, even though many insurers have long track records of generating attractive operating results (exhibit). (mckinsey.com)
Complete the Life Insurance Beneficiary Form included in your benefits packet and return it to the Risk Services Employee Benefits Program at 940 Willamette St. Suite 200 as soon as possible. (eugene-or.gov)
3. Providing specialized services facilitating or supporting financial intermediation, insurance, and employee benefit programs. (top500.de)
A program that prepares individuals to manage risk in organizational settings and provide insurance and risk-aversion services to businesses, individuals, and other organizations. (myfuture.com)
New York's domestic violence law provides, in relevant part, that if any person covered by an insurance policy delivers a valid order of protection to the insurer is prohibited for the duration of the order from disclosing to the policyholder or other person the address and telephone number of the insured, or of any person or entity providing covered services to the insured. (kandkinsurance.com)
Be offered/underwritten by a federally qualified Health Maintenance Organization or eligible Competitive Medical Plan as determined by the Centers of Medicare or Medicaid Services of the U.S. Department of Health and Human Services. (champlain.edu)
This information is also used to ensure that, if enrolled, my Program benefits and services are provided properly and that payments for Program services are processed correctly. (cdc.gov)

When the flight attendant served my lunch on gold-rimmed china and gave me a gold-plated knife and fork to eat it with, I realized for the first time that someone's insurance premiums were paying for me to travel in such luxury. (prwatch.org)
Again, their work can help insurance companies develop fair risk-based premiums for consumers that will cover a company's bases. (campusexplorer.com)
In short, money invested in dental insurance premiums and preventive care can save money spent on more costly procedures, which in turn also helps keep insurance premiums low. (avma.org)

The insurance transaction involves the policyholder assuming a guaranteed, known, and relatively small loss in the form of a payment to the insurer (a premium) in exchange for the insurer's promise to compensate the insured in the event of a covered loss. (wikipedia.org)
The insured receives a contract , called the insurance policy , which details the conditions and circumstances under which the insurer will compensate the insured, or their designated beneficiary or assignee. (wikipedia.org)
Bundling individual long term care insurance policies provides employers with greater choice in terms of selecting a preferred insurer -- based on factors including pricing, ratings and financial stability, name recognition and policy options. (aaltci.org)
And, when an employee leaves, they simply pay directly to the insurer. (aaltci.org)

citation needed] Third-party administrators also handle many aspects of other employee benefit plans such as the processing of retirement plans and flexible spending accounts. (wikipedia.org)
To request a quotation for a Group Life (including Flexible Benefits) and / or Group Income Protection policy, please email [email protected] and include the details requested below. (metlife.co.uk)

Employees may purchase Short Term Disability (STD) with Kate Thomas at AFLAC, or with Todd Wells through American Fidelity. (google.com)
Must have a firm working knowledge of group benefits in multiple product lines (i.e., medical, dental, life, AD&D, disability), self-funding arrangements, and a basic understanding of risk management. (psafinancial.com)
However, there's an interim succession plan that would allow the business to "plant their trees yesterday" by protecting their business in case of an unplanned event, such as the death or disability of a key employee. (iowaabi.org)
Meeting with a qualified insurance agent to review the benefits and costs of key employee life and disability planning would be one way to begin a succession plan. (iowaabi.org)

On the other hand, public employees receive considerably less supplemental pay and vacation time, and public employers contribute significantly less to legally mandated benefits. (epi.org)
To receive a guaranteed issue amount of supplemental PTL insurance without the need for underwriting, complete the application within 31 days of your hire date. (eugene-or.gov)

The key is ensure insurance plans are kept on a sound financial basis using their risk assessment expertise. (campusexplorer.com)

Employees in contributory plans are considered participants in an insurance or retirement plan if they have paid required contributions and fulfilled any applicable service requirements. (bls.gov)
Benefits equal a percentage of total contributions. (bls.gov)

What Do I Need To Know About Indemnity Insurance? (realestateagent.com)

And pension actuaries follow the Employee Retirement Income Security Act (ERISA) of 1974, which sets minimums for health and pension plans in private industry. (campusexplorer.com)
The request from Google is that DOL grant an exemption under Section 408(a) of the Employee Retirement Income Security Act of 1974. (insurancejournal.com)

What accident insurance products are available? (coloniallife.com)
Assurity offers a wide range of insurance products, designed to financially protect and support you and your family. (assurity.com)
Offer your employees peace of mind and financial stability with our broad portfolio of insurance products. (assurity.com)
The most successful narratives designed for insurance-carrier investors tend to come from companies that provide capital-light products. (mckinsey.com)
These capital-light offerings, such as small commercial P&C products or voluntary employee benefits, typically generate strong top-line growth, higher-than-average underwriting margins, and ROE greater than the cost of capital, with few legacy concerns. (mckinsey.com)
Candidates must pass a certification examination covering the following topics: asset allocation, investment strategies, estate planning, investment opportunities for retirees and small business owners, and insurance products. (ameripriseadvisors.com)

When an employee experiences a sudden covered accidental injury, accident insurance can help them offset unexpected medical expenses that aren't covered by their medical insurance. (coloniallife.com)
Helps you pay for unexpected medical costs that may not be covered by major medical insurance. (assurity.com)
If any members need medical underwriting we will let you know so that a Health Questionnaire can be completed. (metlife.co.uk)
Of good news to employers is the fact that dental insurance is relatively affordable to provide-the typical dental plan costs a fraction of the average major-medical plan. (avma.org)
OBJECTIVE: This study aims to offer different methods to identify the optimal LP for diabetes by using medical insurance data from the Chinese population with reference to other diseases in the administrative data. (bvsalud.org)

We enable Client Markets and Underwriting to focus on the client and renewing Swiss Re contracts with them by ensuring smooth, efficient and reliable operations as well as improving the efficiency of tools and processes. (profesia.sk)
Knowledge of benefits administration/enrollment systems and processes required. (psafinancial.com)
His experience has provided extensive knowledge of underwriting processes and how to navigate the marketplace for his clients. (psfinc.com)
The subsectors, industry groups, and industries within the NAICS Finance and Insurance sector are defined on the basis of their unique production processes. (top500.de)
The process of making loans to individuals also requires different production processes than does the creation of investment pools or the underwriting of securities. (top500.de)

American Public Life selected FINEOS New Business & Underwriting to work across 3 new and 5 existing product lines to streamline new business and underwriting, speed up quote turnaround time, improve accuracy, and reduce risk. (fineos.com)
Talk with your Colonial Life sales representative to learn how accident insurance can help you offer more competitive benefit packages for your employees and help them prepare for the unexpected. (coloniallife.com)
Colonial Life offers several individual and group accident insurance policies. (coloniallife.com)
To learn more about the features and benefits of each one, contact your Colonial Life sales representative. (coloniallife.com)
Your Colonial Life sales representative can help you determine the best fit for your business and your employees. (coloniallife.com)
We provide benefits that your employees want for those unexpected moments in life. (coloniallife.com)
How Much Life Insurance Do I Need? (realestateagent.com)
What Type Of Life Insurance Is Right For Me? (realestateagent.com)
A life insurance policy can help enable your family to remain financially if you or your spouse should die. (realestateagent.com)
It's the best life insurance plan for a more budget-friendly approach to life insurance. (uhone.com)
Term life insurance is exactly what it sounds like - a life insurance policy that you buy for a set number of years - a term - to help your family financially in the event of your death. (uhone.com)
How Does Term Life Insurance Work? (uhone.com)
Term life insurance plans pay your designated beneficiaries a lump sum benefit if you die within the select policy term. (uhone.com)
And lastly, "How Long is Term Life Insurance? (uhone.com)
The longer the policy, the higher your life insurance quotes are likely to be. (uhone.com)
Term vs. Whole Life Insurance : What's the Difference Between Term and Whole Life Insurance? (uhone.com)
Term life insurance policies are active for only a select number of years, making these more budget-friendly and beneficial depending on your life circumstances. (uhone.com)
In other words, a Term Life insurance policy can be a good option if you have certain timely events that you would need to be able to cover in the event of your death. (uhone.com)
Whole Life insurance is a more enduring (often more expensive) form of life insurance. (uhone.com)
No one enjoys thinking about what would happen when they're gone, but having Term Life insurance can help your loved ones financially in your absence. (uhone.com)
Contact a licensed Product Advisor for more information on how Term Life insurance can help. (uhone.com)
Life insurance actuaries also assess individuals to develop annuity and life insurance policies based on their individual life expectancy. (campusexplorer.com)
Get a quote with us for home, auto, or life insurance and we'll donate $50 to your charity in your name. (purvesinsurance.com)
Often people refer to this approach using the term multi-life long-term care insurance. (aaltci.org)
It is a challenge the AVMA Group Health and Life Insurance Trust has addressed. (avma.org)
This exemption for the Proposed Transactions would enable the Plan to provide enhanced benefits, in a cost-effective manner, to those employees whose Life, AD&D, and LTD benefits would be reinsured to the Captive pursuant to the Proposed Transactions," the letter states. (insurancejournal.com)

She continued to build skills and experience to eventually take her Property and Casualty Exam to become a licensed insurance agent and passed with flying colors! (purvesinsurance.com)

Oversee/approve all vendor, plan design, and financial recommendations, in concert with Senior Consultant and/or Benefits Analyst. (psafinancial.com)

Paid directly to the employee, they can be used for things other insurance may not cover, such as lost wages, out-of-pocket expenses and household bills. (coloniallife.com)

Since benefits are paid directly, they can be used to cover things like co-pays and deductibles, making accident insurance a great complement to a high deductible health plan. (coloniallife.com)
Employees are considered to have access to a benefit plan if it is available for their use. (bls.gov)
Benefits are based on a percentage of average earnings during a specified number of years at the end of a worker's career (or when earnings are highest), multiplied by the number of years of service recognized by the plan. (bls.gov)
Benefits are based on a percentage of an average of career earnings for every year of service recognized by the plan. (bls.gov)
Benefits are based on a dollar amount per month for each year of service recognized by the plan. (bls.gov)
Nontraditional defined benefit plans are newer plan types that include cash balance plans and pension equity plans. (bls.gov)
One of the big for-profit insurers sponsoring this year's conference markets a limited-benefit plan only to employers with inordinately high employee turnover. (publicintegrity.org)
Under the plan, the average age of an employer's workers cannot be higher than 40, and no more than 65 percent of employees can be female. (publicintegrity.org)
Review and sign-off on all agreements and/or documents (employee booklets, carrier contracts, Summary Plan Descriptions, etc. (psafinancial.com)
As a result, Hynes began to search for another group insurance plan. (findlaw.com)
The largest group plan is the one available to federal government employees. (aaltci.org)
By law, true group long term care insurance plans can be converted, at the same prevailing group cost, to an identical individual plan when the employee leaves the group. (aaltci.org)
15) "Usual and customary rate" means the relevant allowable amount as described by the applicable master benefit plan document or policy. (texas.gov)
According to DOL, Google's request is now contingent on the department's approval of Google's plan to notify employees of the exemption. (insurancejournal.com)
The captive would enable Google to provide "enhanced benefits to participants" in the plan, according to the letter. (insurancejournal.com)
Dan has more than 25 years of leadership experience in the employee benefits and health plan management business and has earned a strong track record of delivering business growth. (limra.com)
Its pension plan was so poorly funded that Studebaker could not afford to provide all employees with their pensions. (wikipedia.org)
Additionally, due much in part to his "dismay" over Barasch's sole control over union benefit plan funds, Senator Jacob K. Javits (R) of New York also introduced bills in 1965 and 1967 increasing regulation of welfare and pension funds to limit the control of plan trustees and administrators and to address the funding, vesting, reporting, and disclosure issues identified by the presidential committee. (wikipedia.org)
ERISA also regulates the manner in which a pension plan may pay benefits. (wikipedia.org)

Since joining MetLife in 1998 as an account manager and underwriter, he went on to hold various positions in underwriting and account service management. (limra.com)

The AVMA GHLIT recognizes the importance of offering dental insurance as a means to improve dental health of members and their staff, and as a valuable benefit veterinarians can offer to attract and retain employees. (avma.org)

Under direction, serve as the primary technical advisor to clients on all group insurance issues. (psafinancial.com)
Andy holds his Accredited Advisor in Insurance (AAI) designation and is currently working on his Certified Insurance Counselor (CIC) designation. (psfinc.com)

I'm the former insurance industry insider now speaking out about how big for-profit insurers have hijacked our health care system and turned it into a giant ATM for Wall Street investors, and how the industry is using its massive wealth and influence to determine what is (and is not) included in the health care reform legislation members of Congress are now writing. (prwatch.org)
We attribute a significant part of this discrepancy to the lack of a compelling narrative that helps investors fully recognize the intrinsic value of insurance businesses. (mckinsey.com)
To close that gap, insurance leaders-C-suite executives and investor-relations professionals-should identify and clearly articulate why investors should be drawn to their companies. (mckinsey.com)
As a result, many investors avoid the industry or minimize the amount they allocate to insurance equities. (mckinsey.com)
If investors can better understand these performance factors, they may become more comfortable with the dynamics-including the risks and nuances-of the insurance business. (mckinsey.com)

Help give your employees peace of mind with access to accident insurance that can help cover the costs of accident care, recovery and even treatment‐related transportation and lodging. (coloniallife.com)
Accident payments are based upon the type of covered accident, and employees can spend the money how they want. (coloniallife.com)
What is accident insurance? (coloniallife.com)

How do I choose between offering my employees individual or group plans? (coloniallife.com)
After a short training period, Doyle was appointed group insurance representative with a compensation package that based his salary upon his productivity in selling group insurance. (findlaw.com)
No longer commonly offered today, small and mid-sized groups (and even many large groups today) tend to utilize individual long-term care insurance policies (bundled together) with a group discount. (aaltci.org)
To request a free, no-obligation benchmark long-term care insurance quote with sample rates for your group, please click here . (aaltci.org)
Many of the nation's leading long term care insurance companies will 'bundle' their individual policies for a group situation. (aaltci.org)
Traditionally (in the past and with the very largest plans) true group plans typically were guaranteed issue (no disqualifying health questions) for all full-time employees. (aaltci.org)
This chapter may be cited as the Texas Employees Group Benefits Act. (texas.gov)
2) "Annuitant" means an individual eligible to participate in the group benefits program under Section 1551.102 . (texas.gov)
10) "Group benefits program" means the state employees group benefits program provided by this chapter. (texas.gov)
K&K Insurance Group, Inc. (kandkinsurance.com)
We invite you to the LIMRA 2016 Group & Worksite Benefits Conference, September 13-15, at the Newport Marriott in Newport, Rhode Island, to find out how your firm can continue to succeed in this different environment. (limra.com)
Before joining Reliance Standard, Kirk was a market development manager for a leading group benefits insurance dental carrier, identifying and pursuing profitable revenue growth opportunities through field sales and marketing initiatives. (limra.com)

Helping to retain and reward key employees. (iowaabi.org)

One of the reasons I left my job as an insurance industry executive is because I could not in good conscience continue promoting these plans, which all but guarantee that the people who enroll in them immediately join the fast-growing ranks of the underinsured. (publicintegrity.org)
People who enroll in them often have been sold a false sense of security, only to find out when it's too late that they've been sending hard-earned money to insurance companies whose executives are laughing all the way to the bank while consumers are on their way to bankruptcy court. (publicintegrity.org)

As part of the Business Coordination team you will be acting as a point of contact and partner for Client Underwriters (client facing employees), you will also support the renewal process of Swiss Re contracts with insurers in the EMEA region. (profesia.sk)
What I saw happening over the past few years was a steady movement away from the concept of insurance and toward "individual responsibility," a term used a lot by insurers and their ideological allies. (prwatch.org)
Health insurers/companies subject to the New York and Illinois Regulations are required to accommodate a reasonable request made by a person covered by an insurance policy to receive communications of claim-related information by alternative means or at alternative locations if the person clearly states that disclosure of the information could endanger the person. (kandkinsurance.com)

fully insured plans issued to employee groups, including those formed by labor unions, nonprofit membership corporations, etc. (freeadvice.com)
Individual plans may have stricter underwriting requirements and have more limited rate flexibility, which leads to potentially higher rates. (coloniallife.com)
Many employee benefit plans have highly technical aspects and difficult administration that can make using a specialized entity such as a TPA more cost effective than doing the same processing in house. (wikipedia.org)
The definitions of major plans, key provisions, and related terms presented in this glossary are those used by the U.S Bureau of Labor Statistics (BLS), National Compensation Survey (NCS) program when conducting its survey of employee benefits. (bls.gov)
Employees in noncontributory plans are counted as participating regardless of whether they have fulfilled the service requirements. (bls.gov)
Retirement plans are classified as either defined benefit or defined contribution plans. (bls.gov)
Defined benefit pension plans provide employees with guaranteed retirement benefits based on benefit formulas. (bls.gov)
Traditional defined benefit plans provide a stipulated dollar amount at retirement or through a specified formula that includes factors such as career earnings, age, and years of service to provide a known dollar amount benefit. (bls.gov)
Among those who clearly don't believe those plans are headed for extinction are the insurance companies that market these highly profitable plans and the employers that buy them - primarily restaurant chains and retailers with high employee turnover. (publicintegrity.org)
If I were President Obama, I would send one of my aides to the Chicago suburbs later this week to see first-hand just how determined these companies are to continue selling these plans - which are euphemistically called "mini-med" and "limited-benefit policies" - long past 2014. (publicintegrity.org)
Actuaries also help design financial strategies, insurance policies and pension plans. (campusexplorer.com)
Long term care insurance plans continue to evolve to meet the current and future needs of diverse employers and employees. (aaltci.org)
It contains rules on the federal income tax effects of transactions associated with employee benefit plans. (wikipedia.org)
ERISA is sometimes used to refer to the full body of laws that regulate employee benefit plans, which are mainly in the Internal Revenue Code and ERISA itself. (wikipedia.org)
Likewise, as a general rule, it does not require that plans provide a minimum level of benefits. (wikipedia.org)
Under ERISA, pension plans must provide for vesting of employees' pension benefits after a specified minimum number of years. (wikipedia.org)
There are two main types of pension plans: defined benefit plans and defined contribution plans. (wikipedia.org)
Defined benefit plans provide retirees with a certain level of benefits based on years of service, salary and other factors. (wikipedia.org)

When speaking to people in the insurance business, some feel that we have "crossed over to the dark side" as actuaries, while others feel we have crossed over FROM the dark side. (soa.org)
Minimum of a Bachelor's Degree in a business-related field preferred, or equivalent experience in the insurance industry required. (psafinancial.com)
Based on the most recent figures, 51% of HUB's business is in commercial lines, 27% in employee benefits, 15% in personal lines, and 5% in wholesale, while 2% lands in the 'other' category. (insurancebusinessmag.com)
Today, he has over 40 years of experience in the insurance brokerage business. (insurancebusinessmag.com)
Commercial insurance is designed to help protect many of the risks your business can face, including: - Damage or destruction to your business vehicles. (realestateagent.com)
What Are The Benefits Of Business Owners Insurance? (realestateagent.com)
The coursework provides candidates with advanced knowledge in asset management, allocation and selection, investment performance and strategies for retirees and small business owners, estate planning, income tax and benefits planning, and risk management and investment issues for high net worth clients. (ameripriseadvisors.com)

Adding employee benefits adds advantages to captives, helping diversify risk, and improving a captive's financial status. (insurancejournal.com)

A principle of insurance which provides that when a loss occurs, the insured should be restored to the approximate financial condition occupied before the loss occurred, no better no worse. (realestateagent.com)

the time period for which payments for benefits of an insurance policy are available. (freeadvice.com)
Full‐time state and local government employees in California earn about 7% less , on average, when compared with otherwise similar private‐sector workers. (epi.org)
The study uses data collected primarily from the National Compensation Survey, and in accordance with standard survey practice, focuses on year‐round, full‐time public‐ and private‐sector employees. (epi.org)
You can help protect your employees and your bottom line at the same time. (coloniallife.com)
You will need to make important benefit decisions within a limited time frame. (eugene-or.gov)
For purposes of this chapter, an individual described by Section 1551.101 (e)(2) is considered a part-time employee. (texas.gov)
The investment also pays dividends in productivity benefits, as employees with good oral health miss less time from work. (avma.org)

A Burger King employee prepares a Whopper. (publicintegrity.org)
The finance major prepares students for careers in financial management, investment brokerage, insurance, and real estate. (radford.edu)

Please be aware that accompanying spouses and dependents (children under the age of 21) are required to be covered by insurance in the same amounts as detailed above. (champlain.edu)

Eligible employees receive a comprehensive benefits package that promotes Total Worker Health and supports your overall Wellbeing. (eugene-or.gov)
Eligible employees will be enrolled in a retirement program administered by the Oregon Public Employees Retirement System (PERS). (eugene-or.gov)

Responsibility for interpretation and enforcement of ERISA is divided among the Department of Labor, the Department of the Treasury (particularly the Internal Revenue Service), and the Pension Benefit Guaranty Corporation. (wikipedia.org)

As a benefited employee you will receive an invitation to New Employee Orientation, where you will be given detailed information about your benefit options. (eugene-or.gov)
Please be sure to have the information available during benefit orientation. (eugene-or.gov)
Get a head start by exploring the Employee Health and Wellbeing website before orientation. (eugene-or.gov)

High costs of healthcare insurance are driving interest in captives. (insurancejournal.com)

Although by most measures I had a great career in the insurance industry (four years at Humana and nearly 15 at CIGNA ), in recent years I had grown increasingly uncomfortable serving as one of the industry's top PR executives. (prwatch.org)

According to the conference Web site, it will "bring together all the players in the industry, from employers and benefits managers, to insurance agents, consultants, brokers, insurance companies, TPAs (third-party administrators), and enrollment firms. (publicintegrity.org)

We provide insurance that's a source of stability when you need it most. (assurity.com)

While some third-party administrators may operate as units of insurance companies, they are often independent. (wikipedia.org)
Develop mutually beneficial relationships with insurance carriers and administrators to generate optimal results for clients (competitive costs, competitive renewals, expedient problem resolution, including escalated employee issue resolution, etc. (psafinancial.com)

Diseases1

Analytical, Diagnostic and Therapeutic Techniques and Equipment2

Psychiatry and Psychology1

Anthropology, Education, Sociology and Social Phenomena3

Technology, Industry, Agriculture2

Information Science1

Named Groups2

Health Care45

Geographicals1

Medically underwritten2

Actuarial3

Reinsurance10

Claims15

Coverages4

Subsidiaries1

Employer16

Coverage36

Participates1

Health insurance13

Voluntary benefits5

Critical Illness6

Company23

Annuities2

Participation1

Services10

Premiums3

Insurer4

Flexible2

Disability4

Supplemental2

Risk assessment1

Contributions2

Indemnity Insurance1

Retirement Income Security Act2

Products6

Medical5

Processes5

Life26

Casualty1

Consultant1

Expenses1

Plan19

MetLife1

Attract and retain1

Advisor2

Investors5

Accident3

Group12

Retain1

Enroll2

Insurers3

Plans18

Business7

Advantages1

Occurs1

Time7

Prepares2

Dependents1

Eligible employees2

Pension1

Orientation3

Healthcare1

Executives1

TPAs1

Provide1

Administrators2