Sentences with phrase «policy in effect when»

If you had a mortgage life insurance policy in effect when you died, your beneficiaries could use all of the benefits that they would receive from a regular policy for other things.

This interest rate reduction will remain on the account unless the loans are in a status which does not require payments, or automatic deduction is revoked by the borrower or suspended by the loan servicer according to the insufficient funds policy in effect when the agreement is signed.

Have flood insurance policies in effect when the new flood maps become effective and then maintain continuous coverage or

Not exact matches

When monetary policy diverges in the two countries (even slightly) Canada feels the effects.

If the institution is able to effect a change in corporate policy, its ten shares will produce a $ 100 paper gain when the stock price rises to reflect the company's new value.

Those changes to its policy, which were announced in 2014 and went into effect in 2015, limited the amount of relevant information that could be shared with third - party developers, specifically when it came to friends» data.

Competition spread more openly to the market for existing borrowers in mid 1996 when banks cut the interest rate on standard variable - rate loans independently of any effect on funding costs from a change in monetary policy.

When you purchase term life insurance, you agree to pay recurring premiums in return for the commitment by the insurance company to pay a death benefit if the insured happens to die during the term that the insurance policy is in effect.

As a minimum, however, the effects of changes in interest rates should be removed when trying to assess underlying inflation for policy purposes.

A church - state conflict arises when government adopts a policy that has the effect of restricting freedom of conscience or of imposing on all a policy essentially based on the ethos of a particular religious tradition (example: a law outlawing contraception or mandating devotion to Mary in a public school).

«When governments fail to make these agri - corporations accountable for their crimes, people's movement proves to be the most important factor to effect change in agriculture policies.

Who knows if the new policy is solely to credit, but Travelers was in a position to pounce when it was put into effect.

The policy has play on the outer courts stopped at the ends of sets that were in progress when the rules went into effect.

This study provided comprehensive evidence of the effect of interventions on early initiation, exclusive, continued and any breastfeeding rates when delivered in five settings: (i) Health systems and services (ii) Home and family environment (iii) Community environment (iv) Work environment (v) Policy environment or a combination of any of above.

When he announced the endorsement, the union's president, Bruce Both, said Meng had «pledged her support for our Union's effort to hold Walmart accountable for reckless corporate policies that effect the worker families, small business owners, and women that live in the 6th Congressional,» adding: «Our Union believes that Grace will help unify an ethnically diverse community around the most pressing issue facing our Unions membership: keeping New York City Walmart free.»

The definition was slightly different when the policies officially went into effect in December.

Under that policy, which takes effect in 2018, workers will be allowed to take up to 12 weeks of paid family leave to care for a baby or seriously sick relative or when a spouse is called to military duty.

In effect it would mean the Bank giving up the policy - making independence it was given when Gordon Brown was Chancellor in 199In effect it would mean the Bank giving up the policy - making independence it was given when Gordon Brown was Chancellor in 199in 1997.

During the first week the policy was in effect, five people were arrested on outstanding warrants there; another 10 were found to have active warrants, but released when police agencies declined to come and take them into custody.

«I think the most important effect science can have in policy is to be present within the conversation when policy is being discussed, formulated, and strategized,» said Wong.

This was the case when the first policy to regulate electronic bulletin boards took effect in 2000.

The most direct is that the HOV - lane policy, when in effect, reduced the overall number of cars on the roads by encouraging car - sharing — and the ensuing, post-HOV conditions simply increased overall traffic levels everywhere.

«Given the growing worldwide interest in pay for performance programs and the unclear American health policy agenda, these findings should be considered by policymakers when assuming that programs like these simply need more time to have a meaningful effect,» they conclude.

«We could use the experiences of adults in states that did not expand Medicaid as a comparison when examining the experiences of adults in states that did expand Medicaid in order to evaluate the effect of the policy,» she said.

«From a policy perspective, we have to recognize that we have been trending toward drier conditions over the last 1,500 years and the warming in Nevada is only going to exacerbate that trend,» he said, noting that «warmer temperatures cause more soil moisture to evaporate so you amplify the effects of drought when climate is warming.

The fact that this correlation disappears when we include such policies in our analysis suggests that the reason older schools have more positive achievement effects is that they adopt more effective policies.

Meta - analysis is an ideal approach to identifying the common effect of a policy when many rigorous but small and particular empirical studies vary in their individual conclusions.

The gains are large when compared to other possible policy interventions, such as the effects of attending a school with higher average achievement levels or enrolling in a charter school.

Topics to be discussed include: Court Procedure: An understanding of the civil litigation process in New Jersey as it pertains to negligence claims; Damages: Understanding the standards for, and the differences between Compensatory and Punitive Damages; Facility Maintenance: Identifying potential safety hazards related to facilities and grounds, and taking reasonable steps to address common problems; Indemnification: Identifying when the school district is responsible for the actions of its employees, and when it may disclaim coverage; Insurance Coverage Issues: Understanding what is, and is not covered under a school district's insurance policy, and understanding whether your district will be allowed to choose its attorney or be required to utilize the attorney assigned by the Insurance Company; Negligent Supervision: Examples of school district negligence liability lie within the school, on the athletic field, in the locker room, and on school trips; Sovereign Immunity: Understanding the effect of the New Jersey Torts Claims Act on negligence claims against school districts.

Costs and Benefits When one is looking at federal programs such as Head Start or the state programs being pressed by Pew and its grantees, the policy dilemma is inescapable: how important is it to expand participation in services whose effects are unpredictable and uneven or that don't last?

Teachers unions were very supportive of school integration in Wake County, and the very positive role they can play on national policy was underlined in December, when the National Education Association announced an effort to establish 100 new peer assistance and review programs to better train and, if necessary, weed out ineffective teachers; and the American Federation of Teachers proposed an innovative approach to raise academic achievement in a low - income community in West Virginia by going after the effects of poverty directly.

Although Gaetz's bill does not include fiscal expenditures, as noted in the main text (§ IV, supra), in reviewing the start time / academic achievement studies undertaken by fellow economists, Columbia University Assistant Professor of Finance and Economics Jonah Rockoff and the Walter H. Annenberg Professor of Education Policy, Professor of Economics, and Professor of Education at the University of Michigan, Brian Jacob, concluded that delaying middle and high school start times «from roughly 8 a.m. to 9 a.m. -LSB-,]» will increase academic achievement by 0.175 standard deviations on average, with effects for disadvantaged students roughly twice as large as advantaged students, at little or no cost to schools; i.e., a 9 to 1 benefits to costs ratio when utilizing single - tier busing, the most expensive transportation method available.

When fourteen public school teachers came together as part of Educators 4 Excellence - New York Teacher Policy Team on how to improve the use of testing in schools, they were taken aback by the depth of research showing the harmful effects of exit exams, which twenty - six states have adopted in one form or another.

The independent effects for policy network membership and states» previous standards - based reform activity suggest that, irrespective of the vertical influence of the federal government, states» memberships in policy networks and their predisposition for standards - based reform were also determinants of whether and when states adopted the CCSS.

Research from the Economic Policy Institute shows that teachers» salaries were 17 percent lower than what comparable workers in other fields earned nationally in 2015.47 When benefits were included, teachers still earned 11 percent less than comparable workers.48 The data below suggest that declining compensation has likely contributed to that predicted effect.

In effect, buying a longevity annuity is a bit like buying a life insurance policy, but instead of making a payment to your heirs when you die, a longevity annuity makes monthly payouts to you for the rest of your life, assuming you're still alive when those payments are scheduled to begin.

When you purchase life insurance, you agree to pay the insurance company what's called a premium, a monthly or annual cost ensuring that your policy stays in effect.

When you purchase term life insurance, you agree to pay recurring premiums in return for the commitment by the insurance company to pay a death benefit if the insured happens to die during the term that the insurance policy is in effect.

An insurance policy costs an equivalent of two USD (actually slightly less but whatever) and it's in effect for the whole time of the travel confirmed by the ticket the policy was sold for - it starts when the passenger enters the departure station and ends when he leaves the destination station.

A similar pace of increases between 2003 and 2006 most certainly did cool the economy, and the rise in short - term rates (and the effects of Fed policy on funding costs in global markets) may have precipitated the early days of the subprime ARM crisis, when rates were being adjusted sharply upward, causing payment shock for borrowers.

I was taught in economics class (way back when) that policy moves that were anticipated had no effect.

People are going to borrow more in this Goldilocks interest rate environment (where abnormal rates no longer reflect risk) and are forced to for RE when the effects of both Government policies and Central Bank monetary policies combine to cause real estate to «demand inflate».

When she's not working to effect change in public policy around cats, she enjoys making vegan cheese and playing disc golf.

In fairness, Chase never consistently enforced their restrictive policy, even when it was in effecIn fairness, Chase never consistently enforced their restrictive policy, even when it was in effecin effect.

These new charts went into effect back in 2015, when the program shifted from being distance - based to zone - based (removing some generous stopover policies in the process).

Businesses carry a tremendous signaling effect when they actively engage in the policy arena on a broader platform.

When reviewing the environmental impacts of fossil fuel projects under the National Environmental Policy Act (NEPA), the judges said, the agency can't assume the harmful effects away by claiming that dirty fuels left untouched in one location would automatically bubble up, greenhouse gas emissions and all, somewhere else.

Consistent with previous theorising and empirical research highlighting that foregone - gains are preferred over losses [10], [19]--[23], people supported higher levels of emission cuts when the costs were framed as a foregone - gain than when they were framed as a loss (the one exception to this pattern was in Study 2, where the framing effect was eliminated when combined with a normative message about the emission policy preferences of others).

So when can we expect to see Pearce / Kloor or any of the corporate media pundits drawthe connection between mass death caused in Africa by the supposed absence of DDT and by the effects of ongoing and quite deliberate economic / military policies over the past 60 years?

In those circumstances the individual decides to break trust to reveal an even greater breach of trust, and that takes some courage when dealing with powerful organisations who impose secrecy on individuals, while in effect using the individuals to give legitimacy to the statements of those who weild the real power and create the policy statementIn those circumstances the individual decides to break trust to reveal an even greater breach of trust, and that takes some courage when dealing with powerful organisations who impose secrecy on individuals, while in effect using the individuals to give legitimacy to the statements of those who weild the real power and create the policy statementin effect using the individuals to give legitimacy to the statements of those who weild the real power and create the policy statements.