Sentences with phrase «of insurance benefits which»

Not exact matches

AgileHealthInsurance.com, which sells short - term health insurance plans that are allowed to exclude benefits guaranteed under the ACA, expects the law to allow more choice so that insurers can design cheaper plans to hit a certain price point of $ 100 per month or $ 200 per month, as they did before the ACA, according to executive director Sam Gibbs.

Often, that translates to employees on the front lines stealing patient medical data or client social security numbers, which can then be sold on the black market or used to commit fraud like collecting someone else's social security benefits, opening new credit card accounts in another's name, or applying for health insurance by assuming the identity of someone else.

The AHCA attempts to preserve certain Obamacare components (mandating coverage for Americans with pre-existing conditions, requiring insurers to provide certain benefits, etc) while massively scaling back others (including the Medicaid expansion which has covered millions of low - income people and replacing more generous insurance subsidies with optional tax credits that can be used to buy coverage).

He's endorsed policies like direct drug price negotiation in Medicare (usually a Democratic wish list item that's despised by drug makers) while simultaneously promising to slash other regulations on the biopharma industry; he famously promised «insurance for everybody» yet ostensibly supports benefit cuts and a rollback of the Medicaid expansion, which has covered millions of the poorest Americans.

More health plans and employers are signing up with pharmacy benefit managers like CVS Health (cvs) and Express Scripts (esrx), which control the list of drugs those insurance plans will cover, increasingly restricting patients from taking unreasonably high - priced drugs.

This is reflected not only in the emergence of consumer - directed health insurance benefits, which are designed to give consumers more «skin in the game,» but also in an array of direct - to - consumer outreach efforts, many of which aid patients in navigating the health care system and managing their own health and wellness.

Back in October, David Armstrong of STAT News wrote a mind - blowing report detailing how West Virginia health and insurance officials tried to slow the pace of prescriptions in their state, but were thwarted at every turn thanks to collusion between Purdue Pharma, the maker of OxyContin, and pharmacy benefits manager, Merck Medco (which is owned today by PBM giant, Express Scripts).

Herper homes in on a relatively new class of super-powerful (and super expensive) cholesterol - busting drugs called PCSK9 inhibitors (which were just shown to reduce death from any cause, and particularly heart - related conditions), and how patients with staggeringly high cholesterol who would benefit from the treatments had to wrangle with insurance companies that refused to cover them over their high prices.

(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.

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.

They included employment insurance benefits and the various components of children's benefits, which previously were not included.

The national income accounts initially were designed by statisticians, but now they're designed by lobbyists, and the lobbyists work in Congress to say here's how we want to depict the economy as if it's actually benefiting the voters instead of specifically benefiting the FIRE sector — Finance, Insurance and Real Estate — which depicts itself as contributing to growth rather than being a parasite on growth, as I've described in Killing the Host.

Companies that use independent contractors, or offer scant benefits for employees, would have to add on a certain percentage of their pay as a contribution to those accounts, which would cover health care, unemployment insurance, and more.

Hot Tip: The major perk of the card is that it offers this benefit as primary coverage, which means you do not need to make a claim with your personal insurance first, while other credit cards mostly offer secondary coverage, which only covers anything above what your personal insurance will cover first.

Murray said he believes employees could be better educated about their insurance and benefits plan, specifically felt their flexible spending plans, which allow employees to deduct a certain amount of pretax money from their paychecks to make medically related payments.

And don't forget the perquisites section, which in GE management case can include life insurance premiums, leased cars, personal use of aircraft, financial and tax planning, and relocation benefits that can be hefty.

However, these days only a handful of insurers offer LTC insurance, so another option may be life insurance with an LTC rider, which allows families to tap into the benefits they would receive upon the policyholder's death while he or she is alive and requires care.

Mortgage insurance is a monthly payment which is paid by the homeowner for the benefit of the lender.

Universal life insurance is a flexible type of permanent life insurance policy in which the death benefit and premiums can be adjusted as your circumstances change.

If your primary objective in obtaining life insurance is to have a death benefit in place which will help to cover your family's expenses if you passed away, our analysis shows that other products are likely a better fit given the cost of whole life insurance.

While an ILIT is an effective way to make sure that your life insurance death benefit is not taxable as part of your estate, there are a couple situations in which you may face a tax event:

Employment insurance benefits increased $ 1.2 billion, (6.7 %), primarily reflecting legislative changes, which came into effect in July 2016, and also to an increase in the number of people eligible for EI benefits.

In both examples, term life insurance would provide an ample death benefit to the beneficiaries at a much lower cost than permanent life insurance, which may not be within the financial reach of these buyers.

@ total non sense Perhaps we're splitting hairs here, but I was trying to be kind by implying that rather than treating religiosity as a mental disability, for which the supposedly clinically sick can receive insurance benefits and evade personal actionable responsibility by claiming illness, it would be better to treat religiosity as a societal functional disorder which can be addressed through better education and a perceptional shift towards accepting scientific explanations for how the world works rather than relying on literal interpretations of ancient bronze age mythologies and their many derivations since.

Among them are the rights to: bullet joint parenting; bullet joint adoption; bullet joint foster care, custody, and visitation (including non-biological parents); bullet status as next - of - kin for hospital visits and medical decisions where one partner is too ill to be competent; bullet joint insurance policies for home, auto and health; bullet dissolution and divorce protections such as community property and child support; bullet immigration and residency for partners from other countries; bullet inheritance automatically in the absence of a will; bullet joint leases with automatic renewal rights in the event one partner dies or leaves the house or apartment; bullet inheritance of jointly - owned real and personal property through the right of survivorship (which avoids the time and expense and taxes in probate); bullet benefits such as annuities, pension plans, Social Security, and Medicare; bullet spousal exemptions to property tax increases upon the death of one partner who is a co-owner of the home; bullet veterans» discounts on medical care, education, and home loans; joint filing of tax returns; bullet joint filing of customs claims when traveling; bullet wrongful death benefits for a surviving partner and children; bullet bereavement or sick leave to care for a partner or child; bullet decision - making power with respect to whether a deceased partner will be cremated or not and where to bury him or her; bullet crime victims» recovery benefits; bullet loss of consortium tort benefits; bullet domestic violence protection orders; bullet judicial protections and evidentiary immunity; bullet and more...

All it really threatens are insurance companies and corporate benefit payouts, which we all know are the holy of holies.

These benefits include but are not limited to the power of the human touch and presence, of being surrounded by supportive people of a family's own choosing, security in birthing in a familiar and comfortable environment of home, feeling less inhibited in expressing unique responses to labor (such as making sounds, moving freely, adopting positions of comfort, being intimate with her partner, nursing a toddler, eating and drinking as needed and desired, expressing or practicing individual cultural, value and faith based rituals that enhance coping)-- all of which can lead to easier labors and births, not having to make a decision about when to go to the hospital during labor (going too early can slow progress and increase use of the cascade of risky interventions, while going too late can be intensely uncomfortable or even lead to a risky unplanned birth en route), being able to choose how and when to include children (who are making their own adjustments and are less challenged by a lengthy absence of their parents and excessive interruptions of family routines), enabling uninterrupted family boding and breastfeeding, huge cost savings for insurance companies and those without insurance, and increasing the likelihood of having a deeply empowering and profoundly positive, life changing pregnancy and birth experience.

Sometimes couples may only seek a legal separation rather than filing for divorce, which will allow the parties to live both separate and apart while still enjoying the legal benefits of marriage such as continuing healthcare or insurance coverage.

Also, many countries have social insurance taxes, typically impose on the basis in employment income, that fund universal pensions, health care and other social services, in which the distributions of benefits may be more equitable that the taxes that pay for them.

Universal credit has also come under fire from anti-poverty groups concerned with the steep rate of benefit withdrawal, which on top of tax and national insurance acts as a disincentive to work extra hours.

They are then paid into the National Insurance Fund, a proportion of which is allocated to the National Health Service, with the rest funding contributory benefits.

While about 33 % of beneficiaries are part of this system where insurance can negotiate, known as «Medicare Advantage», most Medicare beneficiaries receive benefits directly from the government agency involved which pays 106 % of the «standard price» for prescription drugs without negotiation.

Doing cost - benefit analysis of proposed insurance mandates is supposed to be the job of the state's Health Care Quality and Cost Containment Commission, which was established by law in 2007.

If Marcie's # 225 earnings are derived from being on or near the minimum wage, then there is a double hit for her because she also can not salary sacrifice to save 12 per cent National Insurance, if such an arrangement would take her pay below the level of the applicable minimum wage rate (# 7.83 per hour in 2018/19 for those aged 25 and over).3 Anne Fairpo said: «One of the concerns about allowing the lowest earners to sacrifice salary has been the risk of their pay dropping below the point at which entitlement to contributory benefits is triggered (the Lower Earnings Limit - # 116 per week in 2018/19).

They also receive the full benefits of being a State employee which includes the best insurance coverage possible.

While technically the money side of social welfare is indeed not payable to illegal aliens, (1) They still get an incredibly costly (to taxpayers) set of benefits such as free public school education for their kids; law - and - order which is a public good; and medical care in ER facilities who have to treat everyone, with or without insurance.

The hearing involves the federal disability insurance program, which could become the first government benefits program to run out of money.

This change follows a recommendation in the Empire Center's February 2012 report, «Optimal Option,» which explained the structure and benefits of SUNY plans such as those offered by Teachers Insurance and Annuity Association and College Retirement Equities Fund (TIAA - CREF).

Complicating what should have been a straightforward decision was the fact that 18 of 23 legislators take county health insurance benefits which range from about $ 15,000 a year for a single person to over $ 35,000 for the so - called «Cadillac» family plan.

The defendants are accused of twice submitting false applications for unemployment insurance benefits by claiming to have worked for two different companies at which they were never employed.

This is a false statement, as all county employees (including his wife and he himself as her spouse) who earn health insurance benefits will receive 50 % of their health insurance costs covered under MVP Gold (which is not the same insurance that current county employees receive) upon retirement and 10 years of employment after reaching the age of 55.

WHEREAS, the State of New York is best positioned to: (1) understand the ramifications of operating an Exchange within New York's commercial insurance market; (2) consider the unique regional and economic needs of the State's individual and small business health insurance markets; (3) account for the diversity of its population, with its ethnic, cultural and language differences; and (4) decide what benefits will be provided to enrollees in the Exchange, which health plans can participate in the Exchange, what rules should apply to the marketing of products by health plans, and how to operate the Small Business Health Option Program («SHOP») for small businesses;

The increase reflects the well - known rise in health insurance costs, but it also appears to include growing costs of retirement benefits, which have received much less attention.

Montana public school teachers are required to become members of the Public Employees» Retirement System (PERS), which offers benefits related to retirement, disability, and life insurance.

to take any action otherwise prohibited under subsections (a), (b), (c), or (e) of this section where age is a bona fide occupational qualification reasonably necessary to the normal operation of the particular business, or where differentiation is based on reasonable factors other than age; to observe the terms of a bona fide seniority system or any bona fide employee benefit plan such as a retirement, pension, or insurance plan, which is not a subterfuge to evade the purposes of this Act, except that no such employee benefit plan shall excuse the failure to hire any individual; or to discharge or otherwise discipline an individual for good cause

New Jersey Renters Insurance: You have the benefit of living in a building with brick construction and in a safe neighborhood, which will lower the cost of your iInsurance: You have the benefit of living in a building with brick construction and in a safe neighborhood, which will lower the cost of your insuranceinsurance.

The more I think about it the more I believe that this is a smoke screen used by a government agency to rally public discord away from their own bureaucracies which via their HST, land transfer taxes and mortgage insurance rules — all percentages calculated on the sale price of the home by the way — do more to inflate house prices without providing any evidentiary benefit to the homeowner.

It'll have all the information you need: the name of the beneficiary, the number at which to contact the life insurance company, and the amount of the death benefit.

If you die as the direct result of a vehicular, air, or sea accident that you did not deliberately cause, your insurer will pay your beneficiary the accidental death benefit, which is normally twice the value of your insurance policy's face value.

Benefit period: In health insurance, the number of days, weeks, months, or years for which benefits will be paid.