> Health Maintenance Organization (HMO) Managed-care insurers — known generally as HMOs — use a primary care physician as a gatekeeper to screen patients and see that appropriate treatment takes place at the lowest level possible. In order to see a specialist or receive specialized care, patients must see the gatekeeper physician first and be referred on.
> Business interruption If you're unable to run your business due to a covered peril (fire, storm damage, vandalism and so on), business interruption insurance will replace lost income, pay ongoing expenses and pay costs involved in getting you set up in a temporary facility.
> Weather The impact of weather on businesses is more complex than you might think. Weather obviously affects outdoor operations that depend on fair weather — for example, events like fairs, festivals, concerts, sporting events or filming.
The landmark COBRA health benefit provisions became law in 1986. The law amends the Employee Retirement Income Security Act, the Internal Revenue Code and the Public Health Service Act to provide continuation of employer-sponsored group health coverage that otherwise might be terminated. The Centers for Medicare & Medicaid Services (CMS) has advisory jurisdiction for the COBRA law as it applies to state and local government (public sector) employers and their group health plans.
The COBRA law generally applies to group health plans maintained by employers with 20 or more employees in the prior year. The law does not, however, apply to plans sponsored by the governments of the District of Columbia or any territory or possession of the United States, certain church-related organizations or the federal government.
Individuals who work for a state or local government employer, and their dependents, should be aware of their rights regarding COBRA. A good starting point is reading your summary plan description (SPD) booklet, if a state or local government employer distributes an SPD to its employees. Most of the specific rules on COBRA rights may be found there or with the person who manages your health benefits plan.
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Antioch
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Clinton
Collierville
Columbia
Cookeville
Cordova
Dayton
Dyersburg
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Hixson
Jackson
Johnson City
Kingsport
Knoxville
Lebanon
Madison
Maryville
Mc Minnville
Memphis
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Morristown
Mount Juliet
Murfreesboro
Nashville
Oak Ridge
Shelbyville
Smyrna
Soddy Daisy
Springfield
Tullahoma
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Payments you receive from qualified long-term care insurance contracts will generally be excluded from income
As reimbursement of medical expenses received for personal injury or sickness under an accident and health insurance contract. Also, certain payments received under a life insurance contract on the life of a terminally or chronically ill individual (accelerated death benefits) can be excluded from income. Refer to Publication 17, Your Federal Income Tax, Chapter 13, Other Income.
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Mar 02, 2007 - Tips For Individual Insurance Before you buy any health insurance policy, make sure you know what it will pay for...and what it won't. To find out about Read more >
Mar 02, 2007 - COBRA Health Benefit Provisions The landmark COBRA health benefit provisions became law in 1986. The law amends the Employee Retirement Income Security Ac Read more >
Jul 14, 2006 - Hurricane Insurance Claims Paid in Mississippi Approaching $3 Billion Mark Jackson –Commissioner of Insurance George Dale announced today that insurance companieshave paid out nearly $3 billio Read more >
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general information related to insurance issues commonly encountered.
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