Posts tagged with: "insurance"
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13 Nov 2013, 5:10 am by Cari Rincker
As I noted in this post, I enjoyed presenting at Lawline last month on counseling the local food movement.  There’s so much to talk about so I’m giving Part II of the presentation on November 18, 2013.  In Part I of the presentation, I talk about direct farm marketing, cottage food operation law, liability and insurance.  It runs for about 1.5 hours so grab some popcorn!  I have posted the slides below so you can follow along.  You can also get FREE CLE credit… [read post]
14 Feb 2012, 9:05 am by Michael Rosenfield
By Michael Rosenfield and Chris Burusco Prior to the Dodd-Frank Act, California Insurance Code § 1011(c) required all California-admitted insurers to obtain prior approval from the California Department of Insurance for any reinsurance transaction that exceeded a 50% or 75% threshold.   In other words, even if each insurer that was a party to the reinsurance agreement was only licensed in California and was domiciled elsewhere, § 1011(c) approval was nonetheless required. On its face, the… [read post]
27 Dec 2011, 5:00 am by Cari Rincker
Okay, so it’s not the most exciting New Year’s Resolution but it may be a whole lot more doable than dropping 30 pounds in 2012.  On page 5 of this month’s Grassroots newspaper by New York Farm Bureau (“NYFB”) includes a nice submission by A. Edward Staehr of NY FarmNet about coping with a disaster (including grief counseling, recreating lost records, stress management, cash flow planning, and debt restructuring).  I highly recommend FarmNet’s consultants:  they are… [read post]
9 Aug 2011, 4:40 pm by Web Reputation Builders
This is part 2 of the blog series discussing life insurance trusts and estate taxes. 6. What if my estate is larger than this? I) If the trust buys the insurance, it will not be included in your estate. So the proceeds, which are not subject to probate or income taxes, will also be free from estate taxes. II) Insurance proceeds are available right after you die. So your assets will not have to be liquidated to pay estate taxes. III) Life insurance can be an inexpensive way to pay estate… [read post]
22 Aug 2011, 10:22 am by Dave Wingate, Senior Life Care Planning
If you’re self-employed, then likely you know just how much the flu or even a short-term injury can set you back. If you are out of the “game” for even a short period of time, then there is a direct impact on your bottom line. There is no sick leave to fall back on, is there? What if an illness or injury were to take you out of the game for an extended period of time? You might just lose your business and, with it, your home and the rest of your assets. That is not a pretty… [read post]
15 Jun 2012, 8:01 am by Cari Rincker
The National Agriculture Law Center and Banks Law Firm, PLLC will be having a free webinar on Thursday, June 21, 2012 from 12-1pm ET on crop insurance’s applicability to the agriculture industry in “the south”.  According to the webinar’s description, Harrison Pittman and Grant Ballard will discuss the following: Update on current federal policy debate regarding crop insurance, including unique aspects for livestock producers; Key terminology producers and others should… [read post]
12 Jul 2010, 12:50 pm
On July 6, 2010 Missouri Department of Insurance Director James M. Huff announced that $81 million in federal funding will be used on new health coverage for Missourians who have had trouble getting health insurance because of pre-existing conditions.. The idea was proposed by the Missouri Health Insurance Pool (MHIP) and was approved by the federal government. The program will also be funded by premiums that are paid by policy holders and will provide insurance coverage at competitive rates. … [read post]
17 May 2011, 6:26 am by Hopkins
"I love insurance companies and want them to make even more profit than they already do. That's why I am a Florida Legislator!" This should be the button being worn by most legislators in Florida who permitted an unsubstantiated and unfounded bill to be passed during this most recent business oriented session of the legislature. That bill now sits on the desk of Governor Rick Scott. The bill provides for a number of things - all of them, every one of them, bad for consumers, but good for insurance… [read post]
30 Apr 2011, 5:17 am by Attorney Christopher A. Pearsall
A RI HEALTH INSURANCE QUESTION FOR THE RHODE ISLAND DIVORCE COACH QUESTION: In a Rhode Island Divorce, if you are covered by your spouse's health insurance are you entitled to have that insurance continue? ANSWER: Excluding a Rhode Island divorce that involves possible military benefits that may be available then generally the answer is, No. No spouse has a legal right or entitlement to have continued health insurance as a matter of any law applying to people generally in the State of Rhode Island.… [read post]
27 Feb 2012, 6:50 pm by CaliforniaInsuranceDefense
By John Armstrong Being in business means dealing with people. Being involved in insurance claims means dealing with difficult people. Normal, good, decent people tend to be difficult or impossible when under stress. You and your company may be wrongly accused of all kinds of things. You may be threatened with lawsuits or worse. What to do? Turn the other cheek! Don’t given into the temptation to write about how you really feel to the claimant, in your claimants, or to anyone. If you really feel… [read post]
30 Aug 2011, 10:29 am by Sergio Leal
Earlier I wrote a post about the Texas Windstorm Insurance Association (“TWIA”) considering raising rates by 5%. Well, TWIA made it official: rates will go up 5% next year for thousands of homeowners covered by the state’s storm insurer of last resort.The Houston Chronicle reports that TWIA has filed with the state’s insurance regulators for the rate hike. The new rates will apply to both residential and commercial policies. In a letter to regulators, TWIA claimed that rates need to increase… [read post]
22 Aug 2011, 10:22 am by Dave Wingate, Senior Life Care Planning
If you’re self-employed, then likely you know just how much the flu or even a short-term injury can set you back. If you are out of the “game” for even a short period of time, then there is a direct impact on your bottom line. There is no sick leave to fall back on, is there? What if an illness or injury were to take you out of the game for an extended period of time? You might just lose your business and, with it, your home and the rest of your assets. That is not a pretty… [read post]
4 Mar 2011, 2:31 pm by marianne
Yesterday, ACE Insurance Litigation Watch reported that two Ace Group companies were fined by the Texas Commissioner of Worker’s Compensation in January for what amounted to at least 24 violations of the Texas labor code.   ACE American Insurance Company was cited for 10 separate violations resulting in a $48,000 penalty, while Indemnity Insurance Company of North America will pay a $68,000 penalty for 14 labor code violations.   First amongst the violations was ACE American’s failure… [read post]
22 Aug 2011, 10:22 am by Dave Wingate, Senior Life Care Planning
If you’re self-employed, then likely you know just how much the flu or even a short-term injury can set you back. If you are out of the “game” for even a short period of time, then there is a direct impact on your bottom line. There is no sick leave to fall back on, is there? What if an illness or injury were to take you out of the game for an extended period of time? You might just lose your business and, with it, your home and the rest of your assets. That is not a pretty… [read post]
3 Sep 2010, 12:39 pm
All 50 states have been affected by a Tennessee based entity called the American Trade Association (ATA) plus other affiliated firms, which was selling fake health insurance. The program was supposed to work by the ATA taking out money directly from consumer's accounts. Consumer's thought they were saving hundreds of dollars each month on premiums until an issue with their health came up and they found out they were not insured. Some consumer's have shared their stories through Smart Data Solutions… [read post]
1 Jun 2011, 6:09 am by Douglas Reiser
Insurers have more incentive to show up, after IFCA   Served with a lawsuit that you turned over to your insurer? Insurer refusing to defend you? Well, find some hope in this news. Washington’s IFCA has the claws to ensure that insurers perform their duties.   Contractors heavily rely on the defense provisions of their Commercial General Liability (CGL) policies. In construction, a legal dispute can easily rear its head when you least expect it. Luckily, Washington registered contractors are… [read post]
22 Aug 2011, 10:13 am by Dave Wingate, Senior Life Care Planning
  With long-term care insurance policies, the costs of assisted living facilities, in-home care and private nursing homes are covered. And, in many cases, these policies offer inflation protection, too. But since not many eligible consumers are signing up for policies, the companies that offer them are trying to make them more palatable. It is an unfortunate fact that healthcare costs are steadily rising and will only continue to rise in the… [read post]
4 Oct 2011, 11:25 am by brittania
California authorities have ordered a Minnesota insurer to show cause why they should not revoke its authority to do business in their state.   The California Department of Insurance accused RiverSource Life Insurance Co. of unfair claims handling practices involving long-term care, disability income and life insurance policies. It said the Minneapolis-based insurer had systematically delayed investigating claims and intentionally created impediments to policyholders receiving… [read post]
1 Mar 2012, 9:37 am by brittania
Insurance regulators in Washington have fined UniCare, a unit of health benefits giant WellPoint, for charging unapproved rates on medical coverage it sold to college students.   The action by the Washington Office of Insurance Commissioner marked the second time in the past 10 months that an insurer marketing to students has run afoul of authorities in that state. In April, 2011, ACE American Insurance Co. was fined $50,000 for raising rates on a student accident and sickness policy after it… [read post]
22 Jun 2010, 3:17 pm by structuredsettlements
In a confirmation that life insurance companies issuing structured settlement annuities have weathered the storm, A.M. Best Co. revised the outlook to stable from negative and affirmed the financial strength rating of A+ (Superior) and issuer credit ratings (ICR) of "aa-" of the domestic life/health insurance companies of Prudential Financial, Inc. The Prudential Insurance Company of America is the underwriting company for structured settlement annuities According to A.M. Best, the revised outlook… [read post]