The research objective was to find a form of legal protection that was given to heirs who were not listed as beneficiaries of insurance funds on a life insurance policy. The study used the normative juridical method by using the statute approach and the conceptual approach, the technique of gathering legal material through literature study, and the analysis technique was carried out prescriptive. The results of the study showed that heirs were the most interested parties as beneficiaries of life insurance funds. The heirs who were not listed as beneficiaries in the life insurance policy received legal protection in the form of external and internal legal protection. External legal protection was provided by legislation, while internal legal protection was provided by a life insurance policy that had been mutually agreed upon and under the principles of life insurance.
Chapter 145 of the 1955 Public Acts' enacted by the Tennessee Legislature, purporting in some degree to permit a third-party action, has evoked considerable interest among members of the Tennessee Bar and liability insurance carriers. The act provides that when a defendant deems some other party primarily liable to the plaintiff, then the defendant may file a cross action against the third party. It will be recalled that when the Federal Rules of Civil Procedure were first promulgated, Rule 14 provided that a defendant, deeming a third party liable to himsel for to the plaintiff, could make such third party a defendant to the cause. The effect of this rule was that the plaintiff could have judgment against either the original defendant or the third-party defendant even though the plaintiff had never himself sued the third-party defendant. Because of the novelty of this procedure and the fact that it was not the intent of the federal rules to change substantive law, Rule 14 was soon amended so as to delete the portion that permitted such a cross action when the defendant deemed the third party liable to the plaintiff, so that such cross actions are now only permitted on an allegation that the third party is liable to the original defendant. It appears, therefore, that the Tennessee statute is unlike the original federal rule in that Chapter 145 does not contemplate plaintiff having judgment against the third-party defendant, and is unlike the present federal rule in that the allegation required is not that the third party is liable to the defendant but rather that he is "primarily liable to the plaintiff."
In the United States, health insurance is often necessary for access to regular, affordable health care. With only eight of every hundred Americans buying private insurance plans on the individual market, the main sources for health insurance traditionally have been employers and the government. As new laws are being debated and introduced to reform an expensive health care industry in which nearly one-sixth of the population is uninsured, research is needed in order to evaluate the costs and benefits of these policy changes and to predict their success. To this end, in addition to understanding how likely individuals are to adopt new health insurance policies, we also should be interested in knowing how the demand for health insurance and changes in its accessibility will affect non-medical decisions. Specifically, labor market choices have been theorized to be directly related to decisions involving insurance coverage. If the availability of health insurance distorts a workers' job-related decisions, then the changing the landscape for how to access insurance may reverberate in employment outcomes. My dissertation focuses on understanding the factors that influence the demand for health insurance and the role that health insurance plays in an individual's decision to work, where to work, and how much to work. Specifically, I focus on the following three related questions: how does the demand for insurance affect labor market decisions such as when to exit unemployment? what drives insurance demand, and in particular, what motivators work best to increase demand for health coverage among the uninsured? and lastly, what are the supply-side employment responses to the provision of free or reduced-cost public health insurance? My first chapter explores how the demand for health insurance can change re-employment decisions among the unemployed, as well as the speed at which individuals return to work. Past research on this issue focuses on job-to-job switches and "job lock" but has yet to focus on individuals looking for work. This chapter uses data on laid-off individuals from the Medical Expenditure Panel Survey to compare the job search behavior and outcomes of individuals who differ in their demand for health insurance. I use three proxies for demand, based on spousal health and past insurance offer take-up decisions. Although each is potentially confounded by unobserved determinants of job search, I use a difference-in-differences and propensity score designs to isolate plausibly causal effects. I find consistent patterns across all three proxies (despite different potential omitted variables biases). Overall unemployment durations do not vary with demand for insurance, but this masks variation in the types of jobs taken. Individuals with higher demand for insurance have higher hazards for exiting unemployment into a job with insurance, but lower hazards for exiting to a job without insurance. This points to effects of insurance demand on both search effort and reservation wages, and to potentially important distorting effects of employer-linked health insurance. Whereas the first chapter takes variation in demand for insurance as a given, my second chapter digs deeper into the basis for this variation and whether it can be affected. In this chapter, I investigate the reasons the uninsured choose to forego insurance coverage and the impact of different messages on their insurance demand. Working with Enroll America, a large non-profit dedicated to decreasing the number of uninsured Americans, I conducted a stratified experiment to determine the best communication strategies to encourage participation in the healthcare exchanges. We test a combination of the following behavioral and information treatments: a risk treatment that emphasizes the average financial risk for someone without health insurance; a norms treatment that alerts our participants that staying uninsured will be against the law; a savings treatment that highlights the average savings available at the exchanges; a wording treatment where we refer to the Affordable Care Act (ACA) as "Obamacare"; and lastly, a cost-calculator treatment that allows individuals to explore the likely cost of insurance based on their own characteristics. Among the uninsured, we find that the cost-calculator treatment, the risk treatment, and the mandate are most effective in increasing intention to purchase insurance. The cost-calculator and the risk treatment increase informedness among this population, but the cost-calculator (when paired with the savings treatment) is the only treatment that increases willingness to pay for insurance. We use the information on willingness to pay to construct sub-group price elasticities of demand to compare to previous work interested in the demand for health insurance. Overall, the results of this chapter highlight the importance of informational campaigns to increase awareness of the costs and benefits of health coverage, particularly after large changes such as those implemented by the ACA.My third chapter continues by looking at the changes that have been introduced as a result of the ACA. Specifically, it explores whether expanding access to government-provided insurance affects individuals' decisions regarding employment and overall hours of work. Recent findings have suggested that increasing access to health insurance outside of employment has a sizable, negative impact on labor force participation. Along these lines, the Congressional Budget Office predicted that the expansion of Medicaid and private health insurance will cause a 1.5 to 2% reduction in hours worked in the first ten years. Comparing states by whether they chose to expand Medicaid under reforms introduced by the ACA, I look at changes in the probability a childless adult receives Medicaid, as well as changes in this group's employment likelihood and hours of work. Using household survey data from the CPS monthly survey and ASEC Supplement, I confirm a marked increase in the percent of childless adults insured by Medicaid but find no statistically significant changes in employment outcomes. I compare these results to other estimates of "employment lock" in recent literature. These results, though imprecise, align with the findings in Chapter 1 which suggest that overall employment is not drastically affected by insurance demand.
В статье рассматривается ряд проблем инфраструктуры современного сельскохозяйственного страхования с государственной поддержкой в России. Отмечаются причины слабого ее развития, характеризуются основные недостатки институциональной среды сельскохозяйственного страхования. Раскрываются особенности развития сельскохозяйственного страхования с высокой ролью государственной поддержки в США и Канаде. Выделяются основные направления развития современного сельскохозяйственного страхования. Предлагаются целесообразные элементы зарубежного сельскохозяйственного страхования для использования их в российской практике, в частности, многообразие страховых схем, обязательность страхования катастрофических рисков, субсидирование административных издержек страховщиков, учет технологического уровня производителей при оценке ущербов. ; The article presents an analysis of the modern system of agricultural insurance and state support in Russia. The authors mark the reasons for the low level of insured agriculture unites, characterize the main shortcomings of the institutional environment of agricultural insurance. Some peculiarities of the United States and Canadian agricultural insurance development with a significant participation of the government are defined. The main development trends of modern agricultural insurance are highlithed. The authors propose to improve Russian agricultural insurance system and to raise government expenditures efficiency, using a number of prospective foreign agricultural insurance tools, particularly the variety of insurance schemes, compulsory insurance of catastrophic risks, insurer's administrative costs subsidizing, taking into account the producers technological level in assessing damages.
"No. 59." ; Hearings held May 17, 1960. ; Purpose of inquiry - The South American tour of the U.S. Navy Band -- Preliminary committee action -- Analysis of the replies received to the subcommittee letter -- Committee objectives -- The coincidence of the tour of the Navy Band with the President's visit to South America -- Survivor benefits provided dependents -- Dependency and indemnity compensation -- The existing survivor benefit program for armed services personnel -- Indemnification protection for air travel -- Commercial flight insurance -- Availability of flight insurance to members of the U.S. Navy Band - Conclusions and recommendations. ; Mode of access: Internet.
This paper discusses findings of the Detailed Assessment of Observance of the Insurance Core Principles on Denmark. Insurance regulation in Denmark has a good level of compliance with the Insurance Core Principles. A particular strength of the Danish Financial Supervisory Authority's approach is its close focus on key risks in the sector and its readiness to require action by companies to address vulnerabilities. Regular, even daily monitoring of market risk sensitivities is carried out on life insurers' balance sheets. In nonlife insurance, regular testing of a number of key performance ratio
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Durch das Präventionsgesetz haben sich für die Kommunen neue Möglichkeiten zur Kooperation mit den Krankenkassen im Bereich der Gesundheitsförderung und Prävention ergeben. Ziel des Forschungsprojektes war es, die Erfolgs- und Hinderungsbedingungen dieser Zusammenarbeit zu ermitteln sowie die Steuerungsrolle der Kommunen im Feld der kommunalen Gesundheitsförderung und Prävention zu analysieren. Die hierzu durchgeführte Telefonbefragung der nordrhein-westfälischen Kommunen zeigte sehr heterogene Ausgangsbedingungen bei den Kommunen - insbesondere im Hinblick auf den Grad der Professionalisierung sowie auf die bisherigen Beziehungen zu den Krankenkassen. Die Beziehungen zwischen den Kommunen und Krankenkassen wurden zusätzlich in sechs Fallstudien (drei Städte, drei Kreise) und vier Experteninterviews mit Kassenvertreter_innen vertiefend beleuchtet. In den Fallstudien konnten zudem drei unterschiedliche Steuerungsrollen der Kommunen identifiziert werden.
Abstract Launched in 2012, the Principles for Sustainable Insurance serve as a global framework for the insurance industry to address environmental, social, and governance risks and opportunities. This report presents the findings of an exploratory study looking at the influence of environmental, social, and governance (ESG) risks on surety underwriting. Our findings come from a global survey of the insurance industry that sought to understand whether and how insurance and reinsurance companies are integrating ESG risks into the surety underwriting of infrastructure projects.
Federal employees health benefits (FEHB) program : an overview / Kristin B. Blom and Ada S. Cornell -- Health benefits for members of Congress and certain congressional staff / Annie L. Mach and Ada S. Cornell -- Laws affecting teh Federal Employees Health Benefits Program (FEHBP) / Annie L March and Ada S. Cornell -- Federal Employees Health Benefits Program : oversight of carriers' fraud and abuse programs / United States Government Accountability Office.
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