Insurance

In June 2009, Wendell Potter made national headlines with his scorching testimony before the Senate panel on health care reform. This former senior VP of CIG NA explained how health insurers make prom

Health Care for Us All challenges the common belief that health care problems in the United States are difficult and possibly insoluble. Americans want to get more for their health care spending, including insurance coverage for all that is personal, portable, and permanent. They want a system that respects incentives for quality care, exhibits a responsible approach to the budget, and is sustainable. Health Care for Us All adopts these five objectives and applies an efficiency filter to identify the virtually unique framework that meets all objectives. Impediments to achieving Americans' goals can be summarized under the rubrics of too little insurance, too little income, and too little properly functioning market. The efficient remedy for each is the subject of the book. Related philosophical as well as economic issues, such as why there should be government involvement in health care, are analyzed.

Health Care for Us All challenges the common belief that health care problems in the United States are difficult and possibly insoluble. Americans want to get more for their health care spending, including insurance coverage for all that is personal, portable, and permanent. They want a system that respects incentives for quality care, exhibits a responsible approach to the budget, and is sustainable. Health Care for Us All adopts these five objectives and applies an efficiency filter to identify the virtually unique framework that meets all objectives. Impediments to achieving Americans' goals can be summarized under the rubrics of too little insurance, too little income, and too little properly functioning market. The efficient remedy for each is the subject of the book. Related philosophical as well as economic issues, such as why there should be government involvement in health care, are analyzed.

In this book, Daniel Shapiro argues that the dominant positions in contemporary political philosophy - egalitarianism, positive rights theory, communitarianism, and many forms of liberalism - should converge in a rejection of central welfare state institutions. He examines how major welfare institutions, such as government-financed and -administered retirement pensions, national health insurance, and programs for the needy, actually work. Comparing them to compulsory private insurance and private charities, Shapiro argues that the dominant perspectives in political philosophy mistakenly think that their principles support the welfare state. Instead, egalitarians, positive rights theorists, communitarians, and liberals have misunderstood the implications of their own principles, which in fact support more market-based or libertarian institutional conclusions than they may realize. Shapiro's book is unique in its combination of political philosophy with social science. Its focus is not l

In this book, Daniel Shapiro argues that the dominant positions in contemporary political philosophy - egalitarianism, positive rights theory, communitarianism, and many forms of liberalism - should converge in a rejection of central welfare state institutions. He examines how major welfare institutions, such as government-financed and -administered retirement pensions, national health insurance, and programs for the needy, actually work. Comparing them to compulsory private insurance and private charities, Shapiro argues that the dominant perspectives in political philosophy mistakenly think that their principles support the welfare state. Instead, egalitarians, positive rights theorists, communitarians, and liberals have misunderstood the implications of their own principles, which in fact support more market-based or libertarian institutional conclusions than they may realize. Shapiro's book is unique in its combination of political philosophy with social science. Its focus is not l

Poor Families in America's Health Care Crisis examines the implications of the fragmented and two-tiered health insurance system in the United States for the health care access of low-income families. For a large fraction of Americans their jobs do not provide health insurance or other benefits and although government programs are available for children, adults without private health care coverage have few options. Detailed ethnographic and survey data from selected low-income neighborhoods in Boston, Chicago, and San Antonio document the lapses in medical coverage that poor families experience and reveal the extent of untreated medical conditions, delayed treatment, medical indebtedness, and irregular health care that women and children suffer as a result. Extensive poverty, the increasing proportion of minority households, and the growing dependence on insecure service sector work all influence access to health care for families at the economic margin.

Poor Families in America's Health Care Crisis examines the implications of the fragmented and two-tiered health insurance system in the United States for the health care access of low-income families. For a large fraction of Americans their jobs do not provide health insurance or other benefits and although government programs are available for children, adults without private health care coverage have few options. Detailed ethnographic and survey data from selected low-income neighborhoods in Boston, Chicago, and San Antonio document the lapses in medical coverage that poor families experience and reveal the extent of untreated medical conditions, delayed treatment, medical indebtedness, and irregular health care that women and children suffer as a result. Extensive poverty, the increasing proportion of minority households, and the growing dependence on insecure service sector work all influence access to health care for families at the economic margin.

This book offers an explanation of why commodity processors and dealers use futures markets. It argues that they use futures contracts as part of an implicit method of borrowing and lending commodities, contrary to the accepted view of dealers averse to the fluctuating value of their inventories wanting insurance against price risk. Employing models developed to explain the demand for money, this book demonstrates that risk-neutral dealers have sufficient reason to use futures markets. Moreover, the book exposes major internal inconsistencies in the accepted explanation. Rather than insurance markets, the appropriate analogy is the money market, which is the point the book establishes through discussing actual loan markets in commodities. This insight into the function of futures markets is then used to explain how futures prices for different delivery dates express a term structure of commodity-specific interest rates and why futures markets flourish for some types of commodities and

From 'one of our most thrilling and singular innovators on the page' (Laura Van Den Berg), a tightly wound, consuming tale about a 1950s American housewife, for fans of Jennifer Egan, Jonathan Franzen and Taffy Brodesser-AknerLONGLISTED FOR THE NATIONAL BOOK AWARD 2024A Barnes & Noble BEST BOOK of 2024'Clever, moving and unexpected. A brilliantly deft and subtle story.' - Emma Healey, author of Elizabeth is Missing---A warm Sunday in November 1957. As Sputnik 2 orbits the earth, carrying Laika, the doomed Soviet dog, a couple begin their day.Virgil Beckett, an insurance salesman, isn’t particularly happy in his job but he fulfils the role, playing golf with the partners, drinking in the bar, chasing the women. Kathleen Beckett, once a promising tennis champion, with a key shot up her sleeve called ‘The Most’, is now a mother and homemaker. Somehow these two, who have been together since college, have fallen into the roles expected of them – the prescribed suburban dream they have b

A landmark investigation of the chemical industry's decades-long campaign to hide the dangers of forever chemicals, told through the story of a small town on the frontlines of an epic public health crisisIn 2014, after losing several friends and relatives to cancer, an unassuming insurance underwriter in Hoosick Falls, New York, began to suspect that the local water supply was polluted. When he tested his tap water, he discovered dangerous levels of forever chemicals. This set off a chain of events that led to 100 million Americans learning their drinking water was tainted. Although the discovery came as a shock to most, the U.S. government and the manufacturers of these toxic chemicals—used in everything from lipstick and cookware to children’s clothing—had known about their hazards for decades.InThey Poisoned the World, investigative journalist Mariah Blake tells the astonishing story of this cover-up, tracing its roots back to the Manhattan Project and through the postwar years, as

Finance is undergoing a profound transformation. Digital technologies are reshaping payments, lending, insurance, and wealth management. Big data technology is now an integral part of the financial services industry and will continue to drive future innovation. Digital finance has fundamentally changed how we live and do business, and it has been a major disruptor of the finance industry. The advantages of digital finance have long been recognized. Rapidly growing digital technologies also present the potential to deliver financial services at significantly reduced costs, thereby increasing financial inclusion and generating significant efficiency improvements across the economy. To build inclusive societies and address rising inequalities, global and national leaders must bridge the digital divide across and within countries to reap the benefits of digital financial services and build appropriate regulatory frameworks for ensuring trusted transactions in a digitalized economy. This me

本書從基礎理論和案例實踐的角度介紹了高淨值家庭財富管理規劃中不可缺少的國際壽險架構工具，彙集全球主流司法管轄地壽險知識和法規的精華內容，以考助學，學以致用，旨在幫助財富從業者“打破邊界、放眼國際”和“架構思維用壽險”(壽險、稅務、信託)，從不斷提升業績到以客戶利益為導向，走上成為有運用能力的優秀國際壽險架構師(International Life Insurance Counselor，簡稱LIC)道路，建立起保險業的全球視野。

Before he can be reborn, Zan has spent 499 years bound in a 500-year curse to process souls for the monstrous Ferryman―and if he fails he dies.In Portland, Bastian is grieving. He survived a car accident that took his mother and impulse-purchased a crumbling bookstore with the life insurance money.But in sleep, death’s mark keeps dragging Bastian into Zan’s office. It shouldn’t be a problem to log his soul and forget he ever existed. But when Zan follows Bastian through his memories of grief and hope, Zan realizes that he is not ready for Bastian to die.The boys borrow time hiding in the memories of the dead while the Ferryman hunts them, and Zan must decide if he’s willing to give up his chance at life to save Bastian―and Bastian must decide if he’s willing to keep living if it means losing Zan.

A warm Sunday in November 1957. As Sputnik 2 orbits the earth, carrying Laika, the doomed Soviet dog, a couple begin their day.Virgil Beckett, an insurance salesman, isn’t particularly happy in his job but he fulfils the role, playing golf with the partners, drinking in the bar, chasing the women. Kathleen Beckett, once a promising tennis champion, with a key shot up her sleeve called ‘The Most’, is now a mother and homemaker.Somehow these two, who have been together since college, have fallen into the roles expected of them – the prescribed suburban dream they have been sold as something to covet, something that will fulfil their lives. But on this unseasonably warm, early November Sunday, Kathleen wakes up and decides that she will not be accompanying her family to church.No, she feels like a swim.She unearths her old, red bathing suit and descends into the apartment complex pool no other resident uses. And she doesn’t want to come out…

Your decisions matter more than you think. Despite popular belief, the most underestimated risk facing our generation is not economic, political, cyber or even climate risk. It's human decision risk. And it's rising. In today's noisy, fast-paced world, it's hard to hear what really matters - amplifying a rush to misjudgement. We miscalculate situations, misinterpret signals, misunderstand people, and miss opportunities. Tune In is an antidote to misjudgement, a reputation accelerator and an insurance policy against predictable error in high-stakes situations. As a seasoned board member, behavioral scientist and award-winning Fortune-500 advisor, Nuala Walsh understands how to master the art of judgement. She explains why decision-makers tune out at milestone moments and champions an underestimated source of power, influence and relative advantage - tuning in to what matters when it matters most. Drawing on decades of empirical research, she reveals a pioneering PERIMETERS framework tha

Your complete guide to Social Security retirement and medical benefits The rules for claiming Social Security benefits have changed. Find out if you can still choose between your own benefits and spousal benefits. Learn this and more with Social Security, Medicare & Government Pensions--completely updated for 2024.Social Security benefits. Figure out how to get retirement, disability, dependents, and survivors benefits, or Supplemental Security Income (SSI). Decide whether it's best to claim benefits early, at full retirement age, or not until you turn 70--and how to time your claims so you and your spouse get the best benefits.Medicare & Medicaid. Learn how to qualify for and enroll in both programs, including Medicare Part D drug coverage.Medigap insurance & Medicare Advantage plans. Compare Medigap and Medicare Advantage plans, and choose what's best for you.Government pensions & veterans benefits. Discover when and how to claim the benefits you have earned.What's Ne

Saunders and Cornett's Financial Institutions Management: A Risk Management Approach provides an innovative approach that focuses on managing return and risk in modern financial institutions. The central theme is that the risks faced by financial institutions managers and the methods and markets through which these risks are managed are becoming increasingly similar whether an institution is chartered as a commercial bank, a savings bank, an investment bank, or an insurance company. Although the traditional nature of each sector's product activity is analyzed, a greater emphasis is placed on new areas of activities such as asset securitization, off-balance-sheet banking, and international banking.

An instant #1 New York Times bestseller! This "timely and compelling" (Kirkus Reviews) middle grade novel about courage, hope, and resilience follows an Asian American boy fighting to keep his family together and stand up to racism during the initial outbreak of the coronavirus. When the coronavirus hits Hong Kong, ten-year-old Knox Wei-Evans's mom makes the last-minute decision to move him and his siblings back to California, where they think they will be safe. Suddenly, Knox has two days to prepare for an international move--and for leaving his dad, who has to stay for work. At his new school in California, Knox struggles with being the new kid. His classmates think that because he's from Asia, he must have brought over the virus. At home, Mom just got fired and is panicking over the loss of health insurance, and Dad doesn't even know when he'll see them again, since the flights have been cancelled. And everyone struggles with Knox's blurting-things-out problem. As racism skyrockets

Heritable disorders of connective tissue (HDCTs) are a diverse group of inherited genetic disorders and subtypes. Because connective tissue is found throughout the body, the impairments associated with HDCTs manifest in multiple body systems and may change or vary in severity throughout an affected individual's lifetime. In some cases, these impairments may be severe enough to qualify an eligible child or adult for monetary benefits through the U.S. Social Security Administration's (SSA's) Social Security Disability Insurance or Supplemental Security Income program. SSA asked the National Academies of Sciences, Engineering, and Medicine to convene an expert committee that would provide current information regarding the diagnosis, treatment, and prognosis of selected HDCTs, including Marfan syndrome and the Ehlers-Danlos syndromes, and the effect of the disorders and their treatment on functioning. The resulting report, Selected Heritable Disorders of Connective Tissue and Disability, p

This book explores the allocation of risk and liability of dangerous goods between the seller and the buyer under CIF (Cost, Insurance and Freight) and FOB (Free on Board) contracts, providing an in-depth study of the issue of carriage of dangerous goods in the context of international trade law. In addition to offering specific solutions to issues arising in the context of the contract of sale, the book provides a non-contractual angle, putting forward suggestions under non-contractual mechanisms. Importantly, the book incorporates case law examples from the Commonwealth and the US.Dangerous goods that are carried by sea can cause potential risks of losses and damages to the vessel, other cargoes and lives on board. The allocation of liability arising out of the carriage of dangerous goods has recently attracted unwelcome attention because of mis–declared cargoes leading to fires on board ships. Thus the book fills a gap in the literature by addressing the issue in detail with example

Market driven healthcare is massively divisive. Opponents argue that a competition approach to medical treatment negatively impacts on quality, while advocates point to increased efficiencies. This book casts a critical eye over both positions to show that the concerns over quality are in fact real. Taking a two part approach, it unveils the fault lines along which healthcare provision and the pursuit of quality would in certain cases clash. It then shows how competition authorities can only effectively assess competition concerns when they ask the fundamental question of how the concept of healthcare quality should be defined and factored into their decisions. Drawing on UK, US and EU examples, it explores antitrust and merger cases in hospital, medical and health insurance markets to give an accurate depiction of the reality and challenges of regulating competition in healthcare provision.

‘ Mr. Miller knows his audience… he is letting us know, the devil will have his due.’ NEW YORK TIMES When insurance agent Lyman Felt is hospitalised following a near-fatal car crash, both of his wives show up at his bedside and his duplicitous bigamy is revealed. As his shocked spouses – the prim Theo and the assertive Leah – reel from this revelation and their husband’s hypocrisy, an outrageous question is presented: is marriage actually easier this way?Touching on themes of betrayal, crisis and reconciliation, The Ride Down Mt. Morgan is one of Miller’s more controversial works, and was nominated for the Tony Award for Best Play in 1991. This Methuen Drama Student Edition is edited by Thiago Russo, with commentary and notes that explore the play's production history (including excerpts from an interview with director David Esbjornson) as well as the dramatic, thematic and academic debates that surround it.

"Author Bair has serious finance credentials. She is a former chair of the Federal Deposit Insurance Corporation and current chair of Fannie Mae―and, now, an author of whimsical personal finance books for young children."―BooklistA serial spender discovers that there's a difference between wanting something and needing it.Billy the Blue-Footed Booby, who lived on the Galapagos, wanted to buy an umbrella, so he went to Selling Seal. But Billy didn't listen to Seal's explanation of what that umbrella would end up costing him. And then Billy wanted a fan like Arlene the tortoise's, a purple-striped wig like Ig the iguana's, neon-green shoes like Niels the lizard's, and Seal's anchovy grill. All his friends and his twin sister Bess tried to help, but Billy lost everything.

"Author Bair has serious finance credentials. She is a former chair of the Federal Deposit Insurance Corporation and current chair of Fannie Mae―and, now, an author of whimsical personal finance books for young children."―BooklistAn inexperienced royal learns a valuable lesson about reading the fine print.Princess Persephone was cold in her castle on freezing Ganymede. So, when Aluminum Jim came calling to sell her tin sheets to nail onto the exterior walls to keep out the cold, Persephone was only too happy to agree to a loan and sign the contract without reading it. What could she do when the tin sheets didn't work, she couldn't repay the loan, and Jim claimed the castle?

Health care costs in the United States are much higher than in other countries. These cost differences can be explained in part by a lack of competition in the United States. Some markets, such as pharmaceuticals and medical equipment, have elements of monopoly. Other markets, such as health insurance, have elements of monopsony. Many other markets may be subject to collusion on prices, such as generic drugs, or wages, such as the nurse labor market. Lawful monopoly and monopsony are beyond the reach of antitrust laws, but collusion is not. When appropriate, vigorous antitrust enforcement challenging anticompetitive conduct can aid in reducing health care costs. This book addresses monopoly, monopsony, cartels of sellers and buyers, horizontal and vertical merger policy, and antitrust enforcement through private suits as well as the efforts of the antitrust Agencies. The authors demonstrate how enforcing antitrust laws can ultimately promote competition and reduce health care costs.

Two management and technology experts show that AI is not a job destroyer, exploring worker-AI collaboration in real-world work settings.This book breaks through both the hype and the doom-and-gloom surrounding automation and the deployment of artificial intelligence-enabled―“smart”―systems at work. Management and technology experts Thomas Davenport and Steven Miller show that, contrary to widespread predictions, prescriptions, and denunciations, AI is not primarily a job destroyer. Rather, AI changes the way we work―by taking over some tasks but not entire jobs, freeing people to do other, more important and more challenging work. By offering detailed, real-world case studies of AI-augmented jobs in settings that range from finance to the factory floor, Davenport and Miller also show that AI in the workplace is not the stuff of futuristic speculation. It is happening now to many companies and workers. These cases include a digital system for life insurance underwriting that analyzes

If greatness is measured by achievement, Orrin Hatch was the greatest U.S. senator of modern times.This is the dramatic story of a conservative champion who shaped modern America―by leading a Golden Age of Bipartisanship and passing more legislation than any other Senator in the post-Vietnam era. Senator Orrin Hatch co-wrote the most sweeping civil rights bill since the 1960s, launched a health insurance program for 25,000,000 uninsured children, co-created the generic drug industry, and championed the greatest HIV/AIDS legislation in American history, while sponsoring or co-sponsoring over 750 pieces of legislation. Based on interviews with Hatch and many of his Senate colleagues plus over 10,000 pages of research from the U.S. Senate Historian's files, this is also the story of a leader who envisions a New Golden Age of Bipartisanship for the future of American politics.

In an era of deregulation when consumers have never been more vulnerable to corporate surveillance, unsafe food, and dangerously faulty products, the president and CEO of Consumer Reports gives us a playbook to put the power back in our hands.You've been getting ripped off. The rules that have protected consumers for decades are failing. Companies are spying on us. Many of the products we once trusted are dangerous and failing at alarming rates. Whether we are buying a crib, a small appliance, an iPhone app, or shopping for car insurance, it's become harder than ever to know whether the choices we make in the marketplace are putting us at risk-either from physical harm or the abuse of our personal data by hackers or corporations. This is intolerable. It's wrong. And we don't have to put up with it anymore. Marta L. Tellado, the president and CEO of Consumer Reports, has been an advocate for consumers for decades. In Buyer Aware, Tellado shows you the steps you can take to protect yours

"A gripping, full-throttle page turner."– Miranda Cowley Heller, #1 New York Times bestselling author of The Paper PalaceAn adrenaline-fueled story of lives upended and transformed by an unprecedented catastropheTo all appearances, the Larsen-Hall family has everything: healthy children, a stable marriage, a lucrative career for Brantley, and the means for Daphne to pursue her art full-time. Their deluxe new Miami life has just clicked into place when Luna―the world’s first category 6 hurricane―upends everything they have taken for granted. When the storm makes landfall, it triggers a descent of another sort. Their home destroyed, two of its members missing, and finances abruptly cut off, the family finds everything they assumed about their lives now up for grabs. Swept into a mass rush of evacuees from across the American South, they are transported hundreds of miles to a FEMA megashelter where their new community includes an insurance-agent-turned-drug dealer, a group of vulnerable c

A decade after the Global Financial Crisis and Great Recession, developed economies continue to struggle under excessive household debt. While exacerbating inequality and political unrest, this debt - when combined with wage stagnation and a shrinking welfare state - has played a key role in maintaining economic growth and allowing households faced with rising costs of living to make ends meet. In Bankruptcy: The Case for Relief in an Economy of Debt, Joseph Spooner examines this economic model and finds it increasingly unsustainable. In a call to action to reduce debt burden, he turns to bankruptcy law, which is uniquely situated as a mechanism of social insurance against the risks of a debt-dependent economy. This book should be read by anyone interested in understanding the problem of consumer debt and how best to address it.

In Hong Kong, the banking system is the primary source of financial stability risk. Post-2008 regulatory reforms have focused on financial stability policies and tools while neglecting the design of supervisory models. This book provides a comparative analysis of how supervisory models affect the management of financial stability regulations in Hong Kong's banking system. Regulatory issues discussed span prudential regulations, systemically important banks, unconventional liquidity tools, deposit insurance, lender of last resort, resolution regimes, central clearing counterparties and derivatives, Renminbi infrastructure, stock and bond connect schemes, distributed ledger technology, digital yuan, US dollar sanctions, cryptocurrencies, RegTech, and FinTech. A Regulatory Design for Financial Stability in Hong Kong elucidates the flaws and synergies in Hong Kong's banking regulatory framework and proposes conventional and innovative regulatory reforms. This book will be of great interest