Insurance Commons^™

Dental Assistance Plan Benefits, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

Dental assistance plan benefits sheet, circa 1990-1996.

Premiumplus Plan And Selectfund Plan Summary Program Description, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

Employee PremiumPlus and SelectFund benefits, circa 1994-1995.

The Salary Deferral Retirement Program Summary Program Description, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

Employee Salary Deferral Retirement Program benefits, circa 1994-1995.

Vision One Eyecare Savings Programs, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

Employee vision benefits, circa 1994-1995.

Vision One Comprehensive Care: An Eyewear Program For The Whole Family, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

Vision benefits for Blue Cross and Blue Shield employees and their families, circa 1994-1995.

The Dependent Care Connection: Child Care And Adult Care Counseling & Referral Service, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

Employee family assistance services.

The Effect Of Lowering Public Insurance Income Limits On Hospitalizations For Low-Income Children., Jessica L. Bettenhausen, Matt Hall, Jeffrey D. Colvin, Henry T. Puls, Paul J. Chung

Manuscripts, Articles, Book Chapters and Other Papers

Background and objectives: Thirty million children are currently covered by public insurance; however, the future funding and structure of public insurance are uncertain. Our objective was to determine the number, estimated costs, and demographic characteristics of hospitalizations that would become ineligible for public insurance reimbursement under 3 federal poverty level (FPL) eligibility scenarios.

Methods: In this retrospective cohort study using the 2014 State Inpatient Databases, we included all pediatric (age

Results: In 775 460 publicly reimbursed hospitalizations in 14 states, reductions in eligibility limits to 300%, 200%, or 100% of the FPL would have resulted in large numbers of newly …

Examining Moral Hazard In The Healthcare Insurance Market, Samuel Ashby

Honors College Theses

This study aims to examine the effect of insurance coverage on medical expenditure in the United States. The data was gathered from the Household Component Medical Expenditure Panel Survey and is a cross-sectional data set with a sample size of approximately 1500 observations. The study also distinguishes between public and private insurance coverage to compare the potential moral hazard in the two separate markets. The results of this study suggest that insurance status, specifically public, has a strong positive effect on healthcare expenditure. This result, combined with a negative relationship between household income and healthcare expenditure, suggests that the source …

Penatalaksanaan Okupasi Terapi Dalamaktivitas Menggunakan Beha Dengan Konsep Bobath Pada Pasien Stroke Hemiparesis Sinistra Di Klinik Sasana Husada, Hidayati, E. R. N, Arum Pratiwi, Rita Aliya

Jurnal Vokasi Indonesia

Stroke is brain attack due to vascular injury that can damage the brain permanently because of neurologist disorder. The purpose of this intervention is to improve patient's ability to wear bras according to Occupation Therapy's view. The method that will be used to improve the patient ability who suffer from function disorder, movement, and control due to the lesion in the central nerve system is Bobath Concept. By giving eight times intervention, it can be seen that there is improvement postural control and less pain in the shoulder area when it moved. The result of this shows that there is …

Operation Corporate Troops Report, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

Brief on “Operation Corporate Troops – Keeping Our Community Strong”. Blue Cross and Blue Shield of Florida volunteered to lead the effort to recruit other corporate volunteers. No date given.

Advertisement: These Blue Shield Blue Cross Representatives Can Be Of Real Help To You., Blue Cross Of Florida, Inc.

Florida Blue Archives Printed Materials

Advertisement for Blue Cross, Blue Shield representatives. Date unknown.

Brochure: The Blue Shield Story. All Of Us Helping Each Of Us., Blue Cross Of Florida, Inc.

Florida Blue Archives Printed Materials

Brochure by the national Blue Shield Association detailing its history, progress, and services. Date unknown.

Evolution Of Insurance: A Telematics-Based Personal Auto Insurance Study, Yuanjing Yao

Honors Scholar Theses

Insurance has been constantly evolving since its inception; nowadays, insurance has become an indispensable part of people’s daily life. Nonetheless, very few individuals understand the mechanism behind their insurance coverage. This paper focuses on the evolution of personal auto insurances. The first part of the paper summarizes traditional pricing techniques for personal auto insurance and discusses their deficiencies. The second part of the paper introduces telematics insurance, an innovative form of auto insurance. This new kind of insurance integrates telematics as well as other technologies in the premium calculation process. The study proceeds to evaluate the pros and cons of …

On Central Branch/Reinsurance Risk Networks: Exact Results And Heuristics, Florin Avram, Sooie-Hoe Loke

Mathematics Faculty Scholarship

Modeling the interactions between a reinsurer and several insurers, or between a central management branch (CB) and several subsidiary business branches, or between a coalition and its members, are fascinating problems, which suggest many interesting questions. Beyond two dimensions, one cannot expect exact answers. Occasionally, reductions to one dimension or heuristic simplifications yield explicit approximations, which may be useful for getting qualitative insights. In this paper, we study two such problems: the ruin problem for a two-dimensional CB network under a new mathematical model, and the problem of valuation of two-dimensional CB networks by optimal dividends. A common thread between …

Terrorism Risk Insurance: Is It Really Working?, Rebecca Demarest

Honors Projects in Mathematics

This paper investigates terrorism risk insurance in the United States as well as those programs offered in other countries throughout the world. In the United States, particular attention is devoted to the interaction of government with private insurers to maintain an effective insurance program. An analysis is performed comparing terrorism insurance before and after the attacks on the World Trade Center on September 11, 2001. The paper looks into actual terrorist events that have occurred focusing on 56 world-wide events that are associated with property losses greater than $10 million. This paper not only investigates the losses that were incurred …

Glossary Of Business Evidence, Paul C. Boyd

MBA Faculty Conference Papers & Journal Articles

No abstract provided.

Splitting The Bill: Estimating Personal Consumption In Case Of Wrongful Death, Kathleen Ellis, David I. Rosenbaum

UCARE: Research Products

In cases of wrongful death, the decedent’s survivors may sue alleged responsible parties for lost financial support. Forensic experts estimate a deceased individual’s personal consumption rate in order to separate the portion of the decedent’s income spent on him- or herself from the amount available as financial support for dependents. This paper enhances the prevailing estimation process by regressing consumption rates over individual households surveyed by the United States Bureau of Labor Statistics in its annual Consumer Expenditure Survey. We contend that this method improves the precision of estimates by accounting for the inherent heterogeneity in consumption among households with …

External Forces That Impact Profitability In The Insurance Industry, Christopher P. Pellegrino

Senior Honors Theses

The insurance industry is influenced by many factors that impact profitability. Insurers must do their best to make predictions based on expectations to remain solvent and profitable. Inevitably, they are faced with external factors that are outside of their control. Insurers must be aware of these external forces that may impact profits. External forces impact entire sub-industries of the insurance industry and some companies maintain profitability while others fail. This work intends to take a look at the major external forces that each insurance sub-industry faces and discuss some of the potential solutions that have been developed to minimize the …

Ua25/2 Memoranda, Wku Human Resources

WKU Administration Documents

Memoranda issued by WKU Human Resources to faculty & staff via email.

• Employee Benefits Cost Chart, 1/1/2019
• Salary Increases, Employee Benefits Cost, 1/1/2019

Small And Medium Enterprises' Risk Exposures And Mitigation Approaches In Nigeria, Joshua Solomon Adeyele, Olubunmi Florence Osemene

The Journal of Entrepreneurial Finance

Risks militating against small and medium enterprises (SMEs) have been on the increase due to how risks mitigations are conducted by the owners/operators. Although thorough understanding of businesses undertaken by the owners of SMEs enables them to have a clear picture of risks affecting their businesses so as to act in proactive manner in order to mitigate or avoid the impending risks. To assess the risk exposures of SMEs, a random sampling technique was used to select 209 SMEs within Lagos and Benin City. Both descriptive and inferential statistics such as Phi and Gamma were used to analyse the data …

System For Monitoring The Quality Of Services Provided By A Public Institution Based On Business Processes, Larisa A. Bulysheva, Mikhail Y. Kataev, Natalia V. Loseva

Information Technology & Decision Sciences Faculty Publications

Monitoring the quality of the services provided by public institutions is an important element in improving the effectiveness of the entire system of public services in the Russian Federation. As a rule, monitoring is associated with obtaining quantitative indicators of the level of satisfaction of citizens which characterize the quality of services provided. Monitoring results are the basis for modernizing the service management system. However, this approach allows us to evaluate only one side of the process by which a public institution renders services to the consumer of services (citizens). The other side of the issue is related to monitoring …

Terrorist Attacks On September 11, 2001: A Test Of Market Efficiency In The Insurance And Airline Industries, Chad Kozoyed

Longwood Senior Theses

How will the market react to an unforeseen event? How efficiently will it react to the terrorist attacks on September 11, 2001? This event study tests the semi-strong market efficiency theory by looking at the stock price returns of two samples of totaling 29 firms that were greatly affected by this event using the risk adjusted event study methodology. The evidence shows that both the insurance airline industries were greatly negatively affected on and after the event. However, it is clear to see that the firms in the airline industry were hurt a lot worse overall and their stock price …

Toward Better Management Of Flood Losses: Flood Insurance In A Wetter World, Michael K. Mcshane, Juita-Elena (Wie) Yusuf

Finance Faculty Publications

Flood is the most frequent and costly of U.S. natural disasters with losses expected to increase due to climate change. The National Flood Insurance Program (NFIP) mandates flood insurance purchase for properties with federally backed mortgages in the 100-year floodplain. We propose that mandatory flood insurance purchase be extended to all property in the 500-year floodplain. Following flood events, payments would be directly provided for more properties that suffer flood loss, reducing federal disaster aid spending. The mandate could put more pressure on local governments to increase their Community Rating System score, such as through infrastructure investments and management practices …

Automobile Insurance Quote Comparisons And Swot Analysis: State Farm, Jennifer Warsaw

A with Honors Projects

This honors project comes in two parts. The first is a survey of insurance providers and product options using automobile quote comparisons. The second piece is an analysis of the strengths, weaknesses, opportunities and threats (SWOT) of one the insurance company compared in the first part of the project.

An Analysis Of Equity-Linked Insurance Pricing, Clara C. Ortgies

Honors Program Theses

This comprehensive study of equity-linked insurance options will explore the pricing of certificates of deposit and life insurance options using a present value method. With this study, I will be able to construct and price various equity-linked insurance products, with a focus on life insurance, that insurance companies could then sell to prospective customers. I will use concepts and formulas based in actuarial math, probability theory, and financial engineering in order to construct, price, and analyze new equity-linked insurance products. The fundamental methodology I will use involves applying pricing theory based on the expected value of the insurance payoff present …

Pandangan Lulusan Prodi Manajemen Informasi Dan Dokumen Programpendidikan Vokasi Ui Terhadap Pekerjaan Di Bidang Perpustakaan Dan Kearsipan, Dyah Safitri

Jurnal Vokasi Indonesia

The need for human resources with expertise in managing information is needed. As the amount of arsiparist power with the need for power is far from balanced. The need for librarians is also very high in managing information. The purpose of this research is to know the views of graduates of the 2014 MID program that graduated in 2017 to the profession they will undergo. The study used the online survey method of MID student program class of 2014. The results showed that softskill and hardskill from lecture subject taught to them felt will support their profession forward. From the …

Self-Inflicted Injuries: Designation For Risk Assessment Or Cost Avoidance, Brianna M. Robertson, Ralph E. Mckinney Jr., Lawrence P. Shao

Psychiatry

This paper considers the denial of health insurance benefits based on a participant's high-risk behaviors such as self-inflicted injuries. In many instances, healthcare benefits can be denied if patients are injured while engaging in criminal activities, from a self-infliction, and from injuries relating to the consumption of alcohol. With increases in healthcare expenditures and government regulation, the necessity for benefit reductions is directed at individuals engaging in high-risk behaviors. The belief is that high-risk behaviors can be modified by individuals. Unfortunately, modification of behaviors may not be available to everyone.

Virginia Homeowners Handbook: Helping Homeowners Prepare For Hurricanes And Other Natural Hazards, Jon Cawley

News Items

No abstract provided.

Transforming The Insurance Sector In Nigeriain Using The Fss 2020 Platform, Chris O. Muo

Bullion

The National lnsurance Commission (NAICOM) is the statutory Regulatory body of insurance business created to ensure the effective administration, supervision and regulation of insurance business and regulate transactions between insurers and reinsurers within and outside Nigeria. FSS 2020 Insurance Sector, in collaboration with NAICOM aims to deepen the insurance market; ensure lnsurance credibility and protect policy holders; Embed governance and risk management framework for the lnsurance Companies; Enhance access to finance (financial inclusion) with business development support and new products; and risk-based capitalization of lnsurance Companies.

Property And Pecuniary Risk Exposures: An Investigation Into Smes’ Shutdown And Mitigation Methods In Nigeria, Joshua Solomon Adeyele, Olubunmi Florence Osemene, Idowu Emmanuel Olubodun

The Journal of Entrepreneurial Finance

Business Interruption (BI) insurance is not popular among the operators/owners of Small and Medium Enterprises (SMEs) in Nigeria. This study is an attempt to investigate causes of SMEs’ failure and to assist the owners on how to use BI to protect both the physical assets as well as future profits of their businesses. Hence, 389 SMEs were purposively selected from four major cities in Niger Delta Region (NDR) in Nigeria for this purpose. The statistical tools used for analysis were Phi and Cramer’s V. The extent of SMEs losses through means of sourcing for materials and strategy employed to transfer …