Sentences with phrase «insurance program which»

Farmers offers their flood insurance through an independent organization, the National Flood Insurance Program which provides coverage limits of $ 250,000 for residential buildings, $ 100,000 for its contents and $ 500,000 each for commercial building and contents.

Many auto insurance advisers always stress the importance of finding the best insurance program which best suits the needs of each individual.

The Good: AARP's life insurance program which is underwritten by New York Life Insurance Company, has an easy application process - only 3 health questions and no physical exam.

Many other savoy shoppers have already learned the truth about AARP's life insurance program which is likely why the consumer affairs website is riddled with complaints.

The state of California has a set question list devoted to the low cost car insurance program which can assist CA drivers in determining whether or not they qualify for financial assistance.

Flood insurance is given by the National Flood Insurance Program which will also protect against a tsunami.

California, for example, has set up the California Low Cost Automobile Insurance Program which helps low income families obtain affordable car insurance.

In addition to providing products themselves, American Fidelity Life Insurance (AMFI) is also the underwriter for the SGLI Servicemembers Group Life Insurance program which looks after all servicemen and women regardless of their location in the world.

It's not only the FHA loan insurance program which is in trouble, it's a marketplace which has hurt all mortgage insurers.

Part of the thinking, such as it is, behind the comparisons is political and philosophical — some folks are opposed to the FHA for the very simple reason that it's a government mortgage insurance program which competes with mortgage insurance companies in the private sector.

The National Housing Act of 1934 established two mortgage insurance programs which continue to be known by their original names today.

There are no exam life insurance programs which are expensive and you only need to fill a form by yourself.

Not exact matches

The United States Government Life Insurance program was approved by Congress in 1917 and provided an alternative to commercial insurance which either did not pay out in deaths caused by war or charged extremely high premiums for the Insurance program was approved by Congress in 1917 and provided an alternative to commercial insurance which either did not pay out in deaths caused by war or charged extremely high premiums for the insurance which either did not pay out in deaths caused by war or charged extremely high premiums for the coverage.

The Children's Health Insurance Program (CHIP), which Congress failed to renew at the end of September because of disagreements over funding sources, is set to run out of money imminently.

During a recent review of a luxury spa client's risk and insurance programs, we found that the insurance broker had not reviewed the current experience modifier, which reflects claims experience during the past three years.

In both cases, social programs — whether it was FDR's New Deal, which created unemployment insurance and institutionalized unions, or the G.I. Bill, which funded post-secondary employment for soldiers — stemmed the rising tide.

Many people point to the National Flood Insurance Program, which was created to boost financial resilience in flood zones, but has been criticized from just about every political and technical vantage point as too often working to subsidize, instead of mitigate, vulnerability.

HHS houses everything from the Centers for Medicare & Medicaid Services (CMS)-- which is tasked with running major national health care programs like Medicare, Medicaid, the Children's Health Insurance Program (CHIP), and Obamacare — to the Food and Drug Administration (FDA), the Centers for Disease Control (CDC), the National Institutes for Health (NIH), the Indian Health Service (IHS), and the Substance Abuse and Mental Health Services Administration (SAMHSA).

(a) Schedule 2.7 (a) of the Disclosure Schedule contains a list setting forth each employee benefit plan, program, policy or arrangement (including any «employee benefit plan» as defined in Section 3 (3) of the Employee Retirement Income Security Act of 1974, as amended («ERISA»)(«ERISA Plan»)-RRB-, including, without limitation, employee pension benefit plans, as defined in Section 3 (2) of ERISA, multi-employer plans, as defined in Section 3 (37) of ERISA, employee welfare benefit plans, as defined in Section 3 (1) of ERISA, deferred compensation plans, stock option plans, bonus plans, stock purchase plans, fringe benefit plans, life, hospitalization, disability and other insurance plans, severance or termination pay plans and policies, sick pay plans and vacation plans or arrangements, whether or not an ERISA Plan (including any funding mechanism therefore now in effect or required in the future as a result of the transactions contemplated by this Agreement or otherwise), whether formal or informal, oral or written, under which (i) any current or former employee, director or individual consultant of the Company (collectively, the «Company Employees») has any present or future right to benefits and which are contributed to, sponsored by or maintained by the Company or (ii) the Company or any ERISA Affiliate (as hereinafter defined) has had, has or may have any actual or contingent present or future liability or obligation.

What do you make of Bank of America's new Affordable Loan Program, which offers 3 % - down mortgages with no mortgage insurance, and partners with Freddie Mac in something called the Self - Help Ventures Fund?

You have to purchase a separate policy, which you can find on through Utah insurance agencies selling National Flood Insurance Program insurance agencies selling National Flood Insurance Program Insurance Program policies.

The federal government offers a kind of insurance of its own through a fund called the Disaster Financial Assistance Arrangements program, which helps provinces and territories recover from natural disasters.

Many of its employees are also eligible for benefits packages, which include associate assistance programs; medical, dental, vision, life, disability, and pet insurance; dependent care spending accounts; and associate and family discounts.

The Center for American Progress released the proposal, «Medicare Extra for All,» which aims to make the program available to everyone — regardless of income, health status, age or insurance status, while preserving employer coverage for those satisfied with the existing system.

In her Opinion on the 2009 - 10 condensed financial statements, the Auditor General noted that she would be commenting in more detail on «significant accounting changes to the accounts for the Employment Insurance program», which she wanted to draw to Parliament's attention.

Instead, programs like the federal government's National Flood Insurance Program, which helps homeowners pay for damage from floods, ends up encouraging people to rebuild in areas that are likely to get flooded again.

are offered through the Federal Housing Administration's (FHA) mortgage insurance program, which is run by the Department of Housing and Urban Development (HUD).

To change that, it's taking lessons from its robust Medi - Cal health insurance program, which targets much the same population.

You can see if you qualify for the CalHFA Mortgage Insurance Services HARP Eligible Program, which links homeowners who have CalHFA - insured mortgages with the federal government's Home Affordable Refinance Program (HARP).

This program, which is built around governmental insurance of mortgage loans, has been helping people buy homes since the 1930s.

FHA Loans The Federal Housing Administration (FHA) mortgage insurance program is managed by the Department of Housing and Urban Development (HUD), which is a department of the federal government.

Additionally, the Enrollment Program does away with minimum capital requirements and costly bonding or insurance requirements, which were included in the initial bill and in most attempts in other jurisdictions to regulate virtual currency businesses, including New York's BitLicense.

But FHA fees and mortgage insurance, which make the program possible, are not always well - understood.

These include Mortgage Credit Certificates (MCCs), which refund part of the mortgage insurance paid by qualified homebuyers, down payment assistance (DPA) programs, and help with closing costs from the Military Housing Assistance Fund.

Depending on your answers to the above questions, the flowchart might recommend a conforming loan with private mortgage insurance (PMI); or a jumbo mortgage that allows for loan sizes in excess of your local loan limits; or some different program which may be more suitable.

The FHA mortgage program insurance mortgage lenders against loss, which allows banks to offer reduced rates to borrowers.

RIAs are eligible to participate in the Program if they represent to Fidelity Investments that they meet the following criteria: (1) RIA is an investment adviser registered and in good standing with the U.S. Securities and Exchange Commission and / or any applicable state securities regulatory authorities or is exempt from such registration; (2) RIA's representatives who provide services to referred clients are appropriately registered / licensed as «Investment Advisers Representatives» in required jurisdictions; (3) RIA charges fee - based, asset - based, or flat - rate investment advisory service fees (which may include hourly fees); (4) RIA will maintain a minimum of $ 350,000,000 in total regulatory assets under management, as reported in response to Item 5 in Part 1A of the RIA's Form ADV, throughout the duration of RIA's participation in the Program; (5) RIA and all associated persons of the RIA who manage client assets or who supervise such associated persons shall at all times be covered through both Errors and Omissions Liability Insurance and Fidelity Bond Coverage; and (6) RIA maintains a minimum of two principals or officers as well as a minimum of five employees.

Prosecutors said in an indictment that Worrall tipped Blaszczak about upcoming decisions from CMS, which decides how much government insurance programs will reimburse healthcare companies.

The significant changes to the Employment Insurance (EI) program which are to be quickly implemented through Budget 2012 with very little consultation have not received enough critical attention.

Examples of these risks, uncertainties and other factors include, but are not limited to the impact of: adverse general economic and related factors, such as fluctuating or increasing levels of unemployment, underemployment and the volatility of fuel prices, declines in the securities and real estate markets, and perceptions of these conditions that decrease the level of disposable income of consumers or consumer confidence; adverse events impacting the security of travel, such as terrorist acts, armed conflict and threats thereof, acts of piracy, and other international events; the risks and increased costs associated with operating internationally; our expansion into and investments in new markets; breaches in data security or other disturbances to our information technology and other networks; the spread of epidemics and viral outbreaks; adverse incidents involving cruise ships; changes in fuel prices and / or other cruise operating costs; any impairment of our tradenames or goodwill; our hedging strategies; our inability to obtain adequate insurance coverage; our substantial indebtedness, including the ability to raise additional capital to fund our operations, and to generate the necessary amount of cash to service our existing debt; restrictions in the agreements governing our indebtedness that limit our flexibility in operating our business; the significant portion of our assets pledged as collateral under our existing debt agreements and the ability of our creditors to accelerate the repayment of our indebtedness; volatility and disruptions in the global credit and financial markets, which may adversely affect our ability to borrow and could increase our counterparty credit risks, including those under our credit facilities, derivatives, contingent obligations, insurance contracts and new ship progress payment guarantees; fluctuations in foreign currency exchange rates; overcapacity in key markets or globally; our inability to recruit or retain qualified personnel or the loss of key personnel; future changes relating to how external distribution channels sell and market our cruises; our reliance on third parties to provide hotel management services to certain ships and certain other services; delays in our shipbuilding program and ship repairs, maintenance and refurbishments; future increases in the price of, or major changes or reduction in, commercial airline services; seasonal variations in passenger fare rates and occupancy levels at different times of the year; our ability to keep pace with developments in technology; amendments to our collective bargaining agreements for crew members and other employee relation issues; the continued availability of attractive port destinations; pending or threatened litigation, investigations and enforcement actions; changes involving the tax and environmental regulatory regimes in which we operate; and other factors set forth under «Risk Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Commission.

We believe so much in this new program, that we are offering one training which includes comprehensive insurance and a year - long membership for FREE to every volunteer - based group that signs up for the NYSAA program.

This program at our Virginia fertility center is specifically for patients who do not have insurance coverage for IVF, which is approximately 70 % of our patients who are under age 38.

Plus, guarding against embezzlers is just one of eight sections of the NYSAA program, which also covers important topics like insurance, volunteer boards, fundraising, social networking, and more.

Lattof YMCA, which has its own park in Des Plaines, has committed to programming, staffing and liability insurance for the skate park.

The bag is also part of the TravelSafe program, which is like insurance because UPPAbaby guarantees your Cruz during air travel!

The bag is also part of the TravelSafe program, which is like insurance because UPPAbaby guarantees your VISTA during air travel!

The program, which is aimed at poverty alleviation, also entitles its recipients to the provision of free health care, through the National Health Insurance Scheme (NHIS).

It will also allow the Office for the Aging to expend last year's $ 2 million Mortgage Insurance Fund (MIF) allocation, which brings total additional funding for the programs to $ 4 million.

Previously the State Department of Health set the rates at which private insurance companies and Medicaid paid hospitals; under HCRA the insurance companies were free to negotiate the payments to hospitals and the State Medicaid program would pay managed care organizations a per capita rate and they, in turn, would negotiate with hospitals to set the payment rates.

To begin with, the program is diverting hundreds of thousands of people out of the market for direct - pay private health insurance, which the Affordable Care Act was supposed to be supporting and expanding.