Nice Cheap Car Insurance Quotes photos

Nice Cheap Car Insurance Quotes photos

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IT Training Needs For Insurance Professionals

IT Training Needs For Insurance Professionals

by eclecticlibrarian IT Training Needs For Insurance Professionals Information Technology is now being used in every walk of life. Insurance Service Organizations are among the biggest users of IT. It is a challenge for Insurance Companies to keep their manpower updated on IT knowledge so that they can make best use of IT deployment. It is often seen that huge amount of money is spend on implementing a technology and at a later time found that either this was not the one needed or it remained under utilized. If we try to categorize the use of Information technology in Insurance service, we can put various uses in following three categories — Document and Knowledge Management, Workflow automation, and Analytics and Business Intelligence. Let us map these with some of the important Insurance functions such as Underwriting, Product Design, Product packaging, Policy Administration, Claims Management, Customer Relationship Management etc. Activities like Underwriting risks and Product design/ packaging depend a lot on Knowledge management, powerful analytics and Business Intelligence techniques. Every Insurance Organization must be having some software for Knowledge management and Business Intelligence or if not so, they must be implementing them in near future. For making best use of knowledge management and business intelligence techniques, users must have sufficient knowledge about when and where what technique can be useful. At the same time, they also need sufficient working knowledge on the software/ tool implemented or to be implemented in the organization. This knowledge is software dependent. If the software is changed in future, the screens and options will change and users will need to be trained again on the...
Income Protection Insurance – A Wise Move

Income Protection Insurance – A Wise Move

by eclecticlibrarian Income Protection Insurance – A Wise Move For those people who work it would be wise to take out some income protection insurance to provide an income when you are unable to work due to illness or injury. The last thing you need to do when you are unwell is worry about finances, adding stress to your condition and possibly impairing your recovery. As with all cover policies the amount you receive and the duration of the contract are dependent upon the amount you have paid for the product and your personal circumstances pertinent to the claim at the time. Whenever things change you must inform your policy provider because if your details do not match exactly the information on your policy your claim may be void and you could receive nothing. Don’t let laziness or an oversight preclude you from receiving what is rightfully yours. Read the small print and keep your provider up to date with any changes that might affect your policy – no matter how small. Change of name perhaps if you have married, change of address, change in salary, change of job or even job description might be pertinent as there are different classes of cover depending upon your occupation to be considered. Make a note in your diary or your calendar to call in quarterly or bi-annually to check if the details they have on record for you are up to date and relevant. You need to maintain you policy not just let it sit in a drawer and gather dust. Income protection is not life cover – there are no...
Social Security Disability Insurance Advocate

Social Security Disability Insurance Advocate

by photo Social Security Disability Insurance Advocate In order to qualify for Social Security Disability, you must have a certain medical condition that will prevent you from having a normal Substantially Gainful Activity (SGA) and you must meet the all the required work history and other requirements set by the SSA. When you submit your initial application there is usually a 3 to 6 month waiting period in which approximately 35% of all applicants are approved nationally. If you need help with this process there are many good advocates to work with such as Freedom Disability located in Shelton Connecticut. This company can guide you with completing the initial paperwork such as the Social Security disability application and a detailed information Activities of Daily Living Questionnaire as well as any other required paperwork. Once you have all your paperwork in order, a doctor will verify information on your application to determine that the disabling condition will last at least twelve months. At this point the (DDS) better known as the Disability Determination Services located in your particular state will need to make the initial disability determination regarding your condition. They will collect medical evidence about your current state of health and coordinate further consultative exams if additional evidence is needed to make their decision. In the event that your social security disability insurance claim has been denied, there is an appeal process. First Appeal or Reconsideration – The average wait period for first appeal is between 3 and 5 months in which 13% of First Appeals from all sources approved nationally. Your request for an appeal or reconsideration must...
A Brief Long Term Care Insurance Comparison

A Brief Long Term Care Insurance Comparison

by Asim Saeed (Misa Khan) A Brief Long Term Care Insurance Comparison Many elderly people need assistance when they are no longer able to take care of themselves because of health-related issues. They may need help with personal care at home or more advanced medical care in a skilled nursing facility. Many organizations are available for help and they include home care agencies, adult day care centers, retirement communities and so on. All of these facilities charge for their services and are not always affordable to the average American. That is why it is so important to do a long-term care insurance comparison before a serious health issue surfaces. All long term care policies vary in their costs and coverage levels. They assume many of the costs that are not covered by Medicare. Some provide limited home care benefits in addition to skilled nursing care. That is why all policies should be reviewed carefully before purchase. Most policies pay a fixed amount per day while a person is confined to a nursing home or is a patient in a personal care facility. This fixed amount pays all or some of what the daily charges are in these facilities. Payment of policy benefits also vary from policy to policy. Some benefits begin on the first day of a nursing home stay or when Medicare benefits end or when the required elimination periods (number of days that insured must pay before policy benefits are paid) are satisfied. Of course, policies that start paying on the first day are more expensive than policies requiring an elimination period. All policies have restrictions attached...