With a Guaranteed Insurability Rider, you have the option to buy additional life insurance at a later date, without the need for a medical exam, and at the same
health classification as you currently qualify for.
Not exact matches
The North American Meat Institute (NAMI) immediately issued a statement declaring the
classification as defying «both common sense and dozens of studies showing no correlation between meat and cancer and other studies showing the many
health benefits of balanced diets that include meat.»
A model for each sector is built,
as defined by the Global Industry
Classification Standard (GICS); Energy (10), Materials (15), Industrials (20), Consumer Discretionary (25), Consumer Staples (30),
Health Care (35), Financials (40), Information Technology (45), Telecommunication Services (50), and Utilities (55).
The gluten content of Kebari ® barley is less than 5 parts per million (ppm), well below the limit of 20 ppm recommended by the World
Health Organization (WHO) for
classification as gluten - free.
However, the gluten level is well below the level recommended by the World
Health Organisation for
classification as gluten free.
CSIRO's Kebari barley, a new grain that meets the World
Health Organization's recommendation for
classification as gluten - free.
Using conventional breeding we've reduced the gluten content in this grain over 10,000 fold, such that it more than meets the World
Health Organisation's recommendation for
classification as gluten free.
Kebari ® barley is a new grain that meets the World
Health Organization's recommendation for
classification as gluten - free.
2011 Census information on total population, population density, and the proportion of the resident population falling into different categories of gender, age, household type, housing tenure, ethnicity, country of birth, passports held, English (or Welsh in Wales) spoken
as a main language, religion, National Statistics Socio - economic
Classification (NS - SeC), Economic activity, industrial sector, qualifications,
health, and deprivation.
These codes are known
as the International
Classifications of Disease (ICD) codes, and they are administered by the World
Health Organization.
The GI has proven to be a more useful nutritional concept than is the chemical
classification of carbohydrate (
as simple or complex,
as sugars or starches, or
as available or unavailable), permitting new insights into the relation between the physiologic effects of carbohydrate - rich foods and
health.
SLAVE MARKET FOODS: Studies, and a bit of common sense, show that
classifications on the socio - economical scale such
as low income, inner city and / or ethnic minority [Hispanic / Black] predisposes consumers (who are equal under the law to protections against harm) to diabetes, obesity and other
health risks
as grocery stores in their area tend to sell lower qualities foods while food producers price high quality (or even halfway decent) foods out of reach.
In order to determine if Act 10 affected urban areas of Wisconsin differently than rural areas, the authors» analysis classifies counties using the 2013 National Center for
Health Statistics (NCHS) Urban - Rural
Classification Scheme for Counties.39 (see Appendix 1) The NCHS's four metropolitan classification levels, which include counties within metropolitan statistical areas as defined by the Office of Management and Budget, are combined in
Classification Scheme for Counties.39 (see Appendix 1) The NCHS's four metropolitan
classification levels, which include counties within metropolitan statistical areas as defined by the Office of Management and Budget, are combined in
classification levels, which include counties within metropolitan statistical areas
as defined by the Office of Management and Budget, are combined in this analysis.
As part of the life insurance application process, after a thorough physical examination and a determination of which factors are impacting a person's
health, they are placed into a formal
classification most of the time, ranging from Preferred Select to Standard Smoker.
Since ample evidence exists to establish a rational relationship between the city's
classification of certain dogs
as pit bulls, and since there is a legitimate governmental purpose of protecting the
health and safety of the city's residents and dogs, the trial court correctly concluded that the ordinance did not violate the dog owners» right to equal protection of the laws.â $
Recently the World
Health Organization categorized «gaming disorder»
as a novel situation in its current draft revision of the 11th International
Classification of Diseases.
Recently the World
Health Organization classified «gaming disorder»
as a unique condition in its recent draft revision of the 11th International
Classification of Diseases.
Those policyholders who fall into the
health classifications known
as preferred plus and preferred typically enjoy significant premium savings, while those in lower
classifications generally pay higher premiums.
Ideally, you would want to talk an independent agent like True Blue regarding this type of coverage simply because non-independent agents (or «captive») for some of the bigger names aren't
as likely to have a policy that suits someone with diabetes or other high risk
health classifications and are solely limited to one company's product.
Unfortunately only a small percentage of insurance shoppers will qualify for the preferred plus or preferred
health classifications; the remainder will be classified
as regular or standard
health classifications.
So if you're both in excellent
health, you get somewhat of a downgrade in
health classification here,
as the best you can qualify for is standard.
So a 36 year old male with no medications and no history of
health issues should be approved at a better
health classification than the male, age 36, who applies for guaranteed term life insurance, but has a history of a seizure disorder, just
as one example.
And
as you know, the better the
health classification, the lower the life insurance premiums.
Turns out, the insurer he applied to had a cutoff age of 65 —
as in, any cancer deaths in your immediate family prior to age 65 affected your
health classification.
An applicant rated
as «substandard risk» is commonly in poor
health, has already manifested a preexisting condition that is beyond the standard risk
classification (based on the underwriting review), or might engage in a dangerous hobby or occupation.
Life Insurance Applicants and Basic
Classifications Upon completing a medical exam, your insurer will look at your test results
as well
as other factors such
as family
health history and lifestyle choices and fit you into a
classification or category.
As you noticed with Mike in our story above, insurance companies look at a wide range of
health and lifestyle factors to figure out which
classification you fall into.
But that's about to change,
as America's
health care industry updates their International
Classification of Diseases — basically how medical providers note what they're treating patients for — from ICD - 9 to ICD - 10 to bring it in line with other
health care systems around the world.
On the flipside of that, if your
health is the same, we'll look to see if any other life insurance companies will give you a better
health classification which can lower your premiums
as well.
The reason for this is that your
classification depends not just on lifestyle and
health factors, several additional elements such
as age, family history, or travel plans.
As with all of these life insurance
classifications, the insurers prefer to see your
health condition under control and that you are being treated by a physician and that you are following their protocol.
Yes, there are differences in rate
classifications and premiums but that also depends on other factors such
as your age,
health and lifestyle etc..
How do I handle requests for such references?Thank you so much for your help!CherylCHERYL M. EARLE3407 Old Dobbin Road, Montgomery, Alabama 36116 - 1903Home Phone: 334-215-3706 Cell Phone: 334-233-2631 Fax: 334-273-0477 E-mail:
[email protected] position managing legal discovery and document review with opportunity to assist attorneys with civil litigationBAR ADMISSIONAlabama State Bar, 1999LAW - RELATED EXPERIENCELaw Firm, AlabamaResearch Attorney for Special Projects, Mass Torts Department, November 2001 — February 2008 • Managed Multi-District Litigation (MDL) Document Depository (September 2002 to February 2008) o Reviewed more than 1 million pages of evidentiary documents for litigation purposes and for inclusion in electronic databaseso Coordinated document review assignments with attorneys at local depository and at other sites across the USo Retrieved, reviewed and coded documents in Concordance and Summation legal databaseso Prepared memoranda and spreadsheets providing detailed analysis of discovery materials • Aided attorneys and support staff with processing and preparation of personal injury claims and litigationo Conducted legal research and drafted pleadingso Conducted supplementary online research for additional documents and information pertinent to litigationo Assisted with preparation of correspondence to clients and referring attorneyso Contacted clients for additional information needed in case preparation, litigation, and potential settlementso Prepared and input case intakes and referrals into databaseLaw School, AlabamaStudent Intern, Alabama Disabilities Advocacy Program (ADAP), August 1996 — June 1997 • Participated in law school clinical program under third - year law student practice rule (
as authorized by Alabama Supreme Court) o Assisted attorneys and advocates in cases involving mentally ill patients confined to state mental
health facilitieso Interviewed clients in person (at state facilities) and over the phoneo Worked with clients, attorneys, and social workers to investigate and resolve issues concerning involuntary confinement and treatmento Aided in legal research on an appellate brief submitted to the U. S. Court of Appeals for the Eleventh Circuit (ruling granted in favor of our client) Faculty Research Assistant for Library Services, Bounds Law Library, March 1996 — June 1997 • Prepared research and teaching materials for law school faculty; worked 20 hours per week while matriculating 10 - 15 hours per semester) o Investigated copyright issues related to procuring and reproducing texts for academic useo Conducted legal research using WESTLAW, LEXIS and the InternetADDITIONAL RELEVANT EXPERIENCEManufacturing Company (MC), Montgomery, AlabamaAdministrative Assistant and Cost Analyst, Materials Purchasing Department, April 1999 — September 2001 • Assisted materials buyers in negotiating and preparing commodities contracts between raw materials suppliers and MC for manufacturing plants in the US and Mexicoo Assisted Legal Department at MC's corporate headquarters with coordination and preparation of documents for litigationo Notified and educated suppliers about MC's freight - on - board policy and its corresponding Uniform Commercial Code (UCC) provisions; result was the reduction of freight claims for both the company and its supplierso Prepared contracts and purchase orders for raw materials and capital projects involving plant maintenanceo Solicited price quotations from current vendors and established Excel spreadsheet format which simplified quote submission process and allowed MC to track and compare usage volumes and costs over timeo Prepared and analyzed cost reports used by materials buyers and production planners in purchasing decisions, including cost reductions, materials consolidation, and selection of vendorso Acted
as liaison between vendors and the Purchasing, Transportation and Accounting Departments on issues concerning inbound freight, commercial carriers, and payment terms for commodities, resulting in reductions in freight costs and greater payment discounts for raw materialso Established online databases and printed directories for the Purchasing Department, allowing buyers to have easier and faster access to current vendor informationo Completed Year 2000 (Y2K) compliance project, which involved data collection and communication with MC's past, present, and potential materials suppliers and service providersNot - For - Profit Organization, AlabamaAdministrative Assistant, Combined Federal Campaign, September 1998 — January 1999 • Aided Campaign Director with 1998 Federal Campaigns (CFCs) in City 1 and City 2, which together generated nearly $ 700,000 for more than 1,000 local, national and international charitieso Prepared weekly reports on donations using WordPerfect, Microsoft Word, Excel and dBase IVo Wrote script for Talent Showcase at City 1's 1998 CFC Kickoffo Assisted Director with merger of the City 1 and City 2 CFCs in 1999Regional Bank, AlabamaAdministrative Assistant, Year 2000 (Y2K) Department, March — June 1998 • Worked with Vice President of Corporate Projects on short - term project for the bank's Y2K Departmento Analyzed and processed data on Y2K readiness for all branches of Bank throughout the southeastern USo Organized meetings for personnel of Banko Communicated with vendors of computer hardware, software, and office equipment to request information on Y2K complianceo Prepared compliance files for Federal Reserve auditso Prepared in - house memoranda and reports using Microsoft Word and ExcelRecord / Music Promotion Company, AlabamaRecord Pool Co-Founder; Office Manager, September 1990 — December 1991 • Co-founded record pool to enhance promotion of music in Alabama and the southeastern USo Procured and distributed records from major and independent labels for club, radio and mobile disc jockeyso Coordinated jointly sponsored promotional events with record companies, radio stations and clubso Designed, wrote, and published bi-weekly reports and brochures to inform the music industry of the progress and popularity of music and performers in the region, with specific focus on the Alabama music sceneMajor University, AlabamaGraduate Research Assistant, AUM Department of Marketing, June 1989 — August 1990 • Worked 13 - 20 hours per week
as a research assistant to Marketing faculty while carrying a full course load in the MBA programo Analyzed consumer surveys used in academic researcho Assisted Conference Chairperson with coordination for Atlantic Marketing Association (AMA) annual meeting (October 1989) o Co-authored five - year index and
classification of AMA Proceedings (published Fall 1991) EDUCATIONLaw School, AlabamaJuris Doctor (JD), 1997 • Scholarshipso Seybourn H. Lynne Scholarship, 1996 - 97o Dexter C. Hobbs Memorial Scholarship, 1995 - 96o E. W. Godbey Memorial Scholarship, 1994 - 95 • Honorso Who's Who Among American Law School Students, 1996 - 94o Arthur Davis Shores Award, 1997 • Activitieso Frederick Douglass Moot Court Team Manager, 1996 - 97 Southern Regional Competition, Second Place National Competition, Eighth Placeo John A. Campbell Moot Court Competition, Spring 1996o Black Law Students Association Delegate, BLSA National Convention, 1997 Co-Chairperson, Public Relations Committee, 1996 - 97 Chairperson, Public Relations Committee, 1995 - 96 BLSA President's Award, 1996 and 1997o American Bar Association, 1996 - 97 Entertainment and Sports Industries Forum Intellectual Property Section Law Student Divisiono LAWS Student Group Leader, 1995 - 96Major University, AlabamaMaster of Business Administration (MBA), 1990Bachelor of Science in Business Administration (B.S.B.A.), 1988 (Major: Marketing — Advertising and Promotion Track) • Honorso Dean's List • Activitieso National Student Advertising Competition Team, 1988 - 90 Seventh District Competition: Third Place, 1990o Marketing Club, 1987 - 90 Vice President — Career Development, 1988 - 89o Public Relations / Advertising (PR / AD) Club, 1988 - 90 Charter Member, 1988 Active in fund - raising and membership driveso Theater Guild, 1988 - 90 Screening Committee, 1989REFERENCESAvailable upon request
• Reorganize the outpatient coding system and make it more efficient by streamlining information inflow • Successfully reconcile a patient data form, by quickly identifying problems in coding and changing the information before submitting it for insurance approval • Train 2 groups of hew hires in handling CPT and ICD - 9 coding
as part of their induction process • Assign codes for diagnosis, procedures and treatments according to specified
classification systems • Use technical coding principles to assign appropriate ICD -9-CM diagnosis • Identify chargeable items for outpatient visits and ensure that they are properly entered into the system • Perform reviews of records to assure that all component parts are present, including name,
health record number and signatures
• Entered information such
as demographic data, history and extent of disease, and diagnostic procedures in predefined databases • Abstracted and coded patient data by making use of standards
classification systems • Developed and maintained
health information networks and conduct periodic follow ups to track treatment, recovery and survival • Identified potential members / participants for clinical drug trials and codify patients» medical information for reimbursement purposes
KEY ACHIEVEMENTS • Implemented a complex data indexing system, which reduced information retrieval time by 62 % • Secured patient data by a 100 % by introducing «Patient Lock» a system that ensures complete data lockdown until an authorized person accesses it • Increased the efficiency of the insurance reimbursement system by creating and maintaining effective relationships with insurance companies on the facility's panel • Taught 15 new
health information technician trainees in healthcare reimbursement methods and
classification and coding systems
as part of their training program
• Receive and check patient demographic information for accuracy and completeness • Compare all received information with set standards to ensure compliance and integrity of data • Enter data such
as demographic information, history, extent of disease and diagnostic procedures into facility databases • Compile and maintain patients» records so that medical conditions and treatments can be effectively tracked and documented • Plan, develop and operate
health record indexes and retrieval systems to collect, store or classify information • Transcribe medical reports and ensure that all transcribed information is accurate • Identify, compile and code patient data by following standards
classification systems • Respond to requests for information retrieval by first verifying identity and purpose of the person asking for it
Just be sure to keep abreast of frequent code updates, such
as the transition from ICD - 9 to ICD - 10,
classification systems, and technological advances like the electronic
health record (EHR) system.
A clinical coder — also known
as clinical coding officer, diagnostic coder, medical coder or medical records technician — is a
health information professional whose main duties are to analyse clinical statements and assign standard codes using a
classification system.
Communicates information to other nursing staff, physician,
health care unit supervisory personnel and other staff, to include
classification,
as needed or required.
Infants are at risk for failure to thrive, attachment disorder (deprivation / maltreatment disorder of infancy
as defined the Diagnostic
Classification of Mental
Health and Developmental Disorders of Infancy and Early Childhood: DC0 - 3R21), and developmental delay on the Bayley Scales of Infant Development at 1 year of age.
For the parent report version of the SDQ used in the current study, the new four - band
classification system for total difficulties scores is
as follows: 0 — 13 «close to average», 14 — 16 «slightly raised», 17 — 19 «high» and above 19 «very high».17 For the purposes of analysis, we considered that all children with a total difficulties score below the threshold for high risk of emotional or behavioural problems (< 17) had «good» mental
health.18 — 20 The SDQ has previously been found to be acceptable, 21 reliable and valid22 among the SEARCH cohort.
The K6 scale has been shown to significantly outperform the widely used 12 - question General
Health Questionnaire (GHQ - 12) in screening for International
Classification of Diseases, Tenth Revision (ICD - 10) disorders, even though the GHQ - 12 has twice
as many questions
as the K6 scale.10
The Report of the Special Education Review Committee (SERC)(1993) referred to «general learning disabilities»
as «mental handicap» and adopted the
classification system used by The World
Health Organisation to indicate specific levels of disability.
«AASECT 1) does not find sufficient empirical evidence to support the
classification of sex addiction or porn addiction
as a mental
health disorder, and 2) does not find the sexual addiction training and treatment methods and educational pedagogies to be adequately informed by accurate human sexuality knowledge,» the statement said in part.
Dr Keren acts
as International Advisor on the Editorial board of the Infant Mental
Health Journal and is a member of the Diagnostic
Classification for Early Childhood Revision International Task Force.
AASECT 1) does not find sufficient empirical evidence to support the
classification of sex addiction or porn addiction
as a mental
health disorder, and 2) does not find the sexual addiction training and treatment methods and educational pedagogies to be adequately informed by accurate human sexuality knowledge.
At ZERO TO THREE, Kathy provided consultation after Hurricanes Katrina and Rita, served
as a trainer and supervisor with Military Family Projects, worked with state systems through Project LAUNCH efforts, and served on the Diagnostic
Classification Revision Task Force that produced the new diagnostic classification system, DC: 0 - 5 ™: Diagnostic Classification of Mental Health and Developmental Disorders of Infancy and Ea
Classification Revision Task Force that produced the new diagnostic
classification system, DC: 0 - 5 ™: Diagnostic Classification of Mental Health and Developmental Disorders of Infancy and Ea
classification system, DC: 0 - 5 ™: Diagnostic
Classification of Mental Health and Developmental Disorders of Infancy and Ea
Classification of Mental
Health and Developmental Disorders of Infancy and Early Childhood.
Health Canada's reclassification of the levonorgestrel «morning - after pill»
as a nonprescription drug, thus permitting pharmacists to dispense this postcoital oral contraceptive directly to women who need it, when they need it, is welcome news (see page 861).1 Less welcome is the «behind the counter»
classification of levonorgestrel 0.75 mg (Plan B) by the provinces, which makes consultation with a pharmacist mandatory for any woman seeking to avoid an unintended pregnancy in this way.
You may recall that on October 1, 2015 diagnosis codes changed from the 9th edition of the International
Classification of Diseases and Related
Health Problems ICD - 9 to the 10th edition, also known
as ICD - 10.