Sentences with phrase «insurance rate increase of»

Although each state regulates insurance differently, every state's most costly violation will earn the driver a car insurance rate increase of

Not exact matches

Moody's Investors Service maintained its ratings for Desjardins but said the transaction creates risks, mainly because of the increased exposure to the high - risk Ontario personal auto insurance market, which will make its insurance operations «a less predictable source of earnings.»

The Healthcare Reform Law, including The Patient Protection and Affordable Care Act and The Healthcare and Education Reconciliation Act of 2010, could have a material adverse effect on Humana's results of operations, including restricting revenue, enrollment and premium growth in certain products and market segments, restricting the company's ability to expand into new markets, increasing the company's medical and operating costs by, among other things, requiring a minimum benefit ratio on insured products, lowering the company's Medicare payment rates and increasing the company's expenses associated with a non-deductible health insurance industry fee and other assessments; the company's financial position, including the company's ability to maintain the value of its goodwill; and the company's cash flows.

Recent legislation places tighter controls on workers» compensation medical costs and ensures that insurance carriers» requests for rate increases receive a high level of scrutiny to tackle recent increases in premiums.

In this Update, the Minister of Finance again scooped the Canada Employment Insurance Financing Board (CEIFB) by announcing that the employee premium rate for 2012 would increase by 5 cents, rather than the 10 cents assumed in the June 2011 Budget.

The Update incorporates the October average private sector economic forecasts and an increased «adjustment for risk» for 2011 - 12 to 2013 - 14, as well as an increase in employment insurance rates of only 5 cents (employee rate) for 2012, rather than the 10 cents set in legislation As a result, the balanced budget target is delayed from 2014 - 15 to 2016 - 17, prior to the inclusion of the Targeted Strategic and Operating Review Savings (now called «Deficit Reduction Action Plan Saving Target»).

These include reducing personal income tax rates and increasing the GST rate; undertaking a review of the Equalization program to reduce regional disparities and eliminating regionally - differential employment insurance rules; leveling the retirement savings playing field; adopting a formal corporate taxation regime; taxation of interest payments received from active business income of foreign affiliates; and examination of tariffs on imported manufactures and products.

If the increase in Irma suits affects rates for wind insurance the way AOB suits have driven up costs for all - perils coverage over the past two years, policyholders won't feel it until the summer of 2019, Patel said.

This profile reflects in part the operations of the employment insurance (EI) program, with premium rates increasing to 2016 and falling thereafter, as the deficit in the EI Operating Account is «paid off».

Increased costs to insurers from the suits won't affect rates for hurricane insurance this year but could impact them next year, when insurers negotiate reinsurance contracts based in part on total losses from the September 2017 storm, the president of a large Florida - based insurer said.

The incremental fiscal stimulus of about $ 2 billion for increased employment insurance benefits and limiting the rate increase in EI premium rates to 5 cents in 2011 saved 5,000 jobs (no wonder increases in EI premium rates are called job killers).

The March 2011 Budget implies no increase in rates in 2015 whereas PBO assumes an increase of 10 cents as mandated under current legislation when the employment insurance account is in deficit.

Of the $ 3.2 billion year - over-year improvement, budgetary revenues were up by $ 3.9 billion, primarily due to higher personal income tax revenues (up $ 3.4 billion, reflecting increases in employment and average wages) and employment insurance premiums (up $ 1.6 billion reflecting higher premium rates and an increase in maximum insurable earnings).

Renters insurance liability claims don't happen as frequently as other types, but they are some of the most expensive claims filed and carriers consider severity when evaluating rate increases and nonrenewals.

These risks and uncertainties include food safety and food - borne illness concerns; litigation; unfavorable publicity; federal, state and local regulation of our business including health care reform, labor and insurance costs; technology failures; failure to execute a business continuity plan following a disaster; health concerns including virus outbreaks; the intensely competitive nature of the restaurant industry; factors impacting our ability to drive sales growth; the impact of indebtedness we incurred in the RARE acquisition; our plans to expand our newer brands like Bahama Breeze and Seasons 52; our ability to successfully integrate Eddie V's restaurant operations; a lack of suitable new restaurant locations; higher - than - anticipated costs to open, close or remodel restaurants; increased advertising and marketing costs; a failure to develop and recruit effective leaders; the price and availability of key food products and utilities; shortages or interruptions in the delivery of food and other products; volatility in the market value of derivatives; general macroeconomic factors, including unemployment and interest rates; disruptions in the financial markets; risk of doing business with franchisees and vendors in foreign markets; failure to protect our service marks or other intellectual property; a possible impairment in the carrying value of our goodwill or other intangible assets; a failure of our internal controls over financial reporting or changes in accounting standards; and other factors and uncertainties discussed from time to time in reports filed by Darden with the Securities and Exchange Commission.

The payment of GST on insurance premiums has boosted those components of CPI inflation over the past year; the method of measurement based on premiums net of claims means that the recorded price of insurance in the CPI has increased by more than the GST rate.

The increase in the CPI over the latest year, at 1.7 per cent, has been held down by the effects of the health insurance rebate introduced in early 1999, which will cease to affect the measured inflation rate early in 2000.

And if the fiscal problem becomes unstable — more deficit to finance than security markets will allow, the Fed will obey its political masters and finance the deficit by a hyper - inflation, or hyper - tax, as a burgeoning inflation simply taxes all fixed dollar wealth — bonds, dollars, life insurance values, etc. — by the rate of price level increase.

Additionally, the price for a standard UL policy can increase as you age if the illustrated interest rates drop or the internal cost of insurance increases.

Our $ 10 - a-day child care program would really make a difference for Coquitlam families who are feeling squeezed after years of increasing hydro bills, skyrocketing car insurance rates and rising medical service premiums.»

The Bank of Canada has also increased its interest rate, reversing some of the policy insurance it took out earlier when the outlook was less positive.

Many types of permanent life insurance policies increase in value over time based on interest rates.

For 2011, the Minister of Finance rejected the recommendation of the Canada Employment Insurance Financing Board (CEIFB) to increase employment insurance (EI) premium rates by 15 cents (employee rate) but instead capped the increase toInsurance Financing Board (CEIFB) to increase employment insurance (EI) premium rates by 15 cents (employee rate) but instead capped the increase toinsurance (EI) premium rates by 15 cents (employee rate) but instead capped the increase to 5 cents.

Those increases have drawn the notice of institutional investors, such as pension funds and insurance companies, which have turned to real estate as low interest rates have reduced returns from other steady investments, such as bonds.

Employment Insurance (EI) premiums were up $ 1.0 billion over the first seven months, reflecting increases in the contribution rates (the employee premium rate increased from $ 1.83 per $ 100 of insurable earnings in 2012 to $ 1.88 in 2013 and 2014) and a 3.3 % increase in the base to which the premium rates apply.

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.

The budget includes 3 percent wage increases for both full - and part - time employees, and anticipates health insurance rates to increase in 2014 by an average of 5.8 percent.

But, as The Lancet reports, it is despite — or perhaps because of — the lack of paid maternity leave in the U.S. that the Affordable Care Act provides protected nursing and pumping breaks and insurance coverage of breast pumps, which The Lancet predicts could increase breastfeeding rates by 25 %.

But National Insurance contributions are set to increase and the income tax rate of 50p will be introduced.

New Yorkers who sign up for insurance under the Affordable Care Act exchanges for individuals will see their premiums rise by an average of 14 percent, now that the Cuomo administration has approved rate increases for insurers in the exchanges.

The revised scheme hits the rich hardest, but also requires a substantial increase in the basic rate of tax to 30 %, as well as lifting national insurance to 12 % of all income.

Moreover, ahead of the 2001 general election, it was widely reported that the Chancellor was planning to raise National Insurance contribution rates shortly after the election, in preference to raising Income Tax in order to fund increased NHS spending.

MetroPlus, the insurance arm of the city's public hospital system, will also see its rates increase 29 percent, even though it only sought a 20 - percent hike.

In 2011, a real - terms increase to the starting point of national insurance will help offset the effect of the increased NI rate for those earning up to around # 20,000 a year - many will be better off.

(In 2007, State Insurance Superintendent Eric Dinallo approved a 14 percent increase in the rates to «avoid further financial deterioration of the companies.»)

The manifesto aims to impose a high tax rate on the top income level and increase the upper earning limits of national insurance contributions.

Instead of doing good, Diaz took big checks from insurance lobbyists and stuck Floridians with higher rates; Diaz used his office to enrich himself while raising property taxes by $ 500 million — increasing the cost of living for Miami homeowners.

From April next year, there'll be a one percent increase in the main rate of Class 4 National Insurance Contributions for the self - employed, with another one per cent increase the year after.

Mr Osborne announced an increase in the threshold before workers start paying income tax to # 8,105, financial support for first - time home buyers, a two per cent cut to corporation tax this year, a tax on private jets, a clampdown on non-doms, the introduction of # 140 flat - rate state pension, a review into a merger of national insurance and income tax and a fair fuel stabiliser, including a 1p cut on fuel duty.

So I am going to increase the standard rate of Insurance Premium Tax by just half a percentage point — and commit all the extra money we raise to flood defence spending.

Alistair Darling instead opted for a further 0.5 % increase in employer and employee rates of National Insurance from April 2011.

He said that he believes that the Town Board can do this for several reasons, despite increasing costs like pensions and insurance rates that are out of their control: «We're getting ready to sit down and negotiate with the CSEA [Civil Service Employees» Union, which represents most Town employees].

At the end of this year's regular session, the ride - sharing bill stalled after minimum insurance rates for drivers were increased.

New Yorkers who sign up for individual insurance under the Affordable Care Act exchanges will see their premiums rise by an average of 14 percent, now that the Cuomo Administration has approved rate increases for insurers in the exchanges.

An attorney, Mr. Alessi says he has been instrumental in bringing reform to LIPA's management and in passing legislation requiring state review of health insurance rate increases.

One is the savings from the health insurance part of the package and the other would be the rate of salary increase,» Lemon said.

A study of survival rates in trauma patients following health insurance reform in Massachusetts found a passing increase in adjusted mortality rates, an unexpected finding suggesting that simply providing insurance incentives and subsidies may not improve survival for trauma patients, according to a report published online by JAMA Surgery.

Spending on the two programs for 2013 to 2023 is projected to increase at an average rate of 3.7 percent per year, which is slower than the projected growth for private health insurance, despite that Medicare and Medicaid generally serve populations with more illness and health problems.

Researchers at UCLA have that found states that expanded Medicaid coverage under the Affordable Care Act saw a significant increase in rates of health insurance among low - income adults compared with states that did not expand the program.

«Most of us say this rate of increase of insurance and drug costs just cant be sustained.