Business owners, executives and managers move up the corporate ladder, based on their individual technical skills. However, once on top, they realize that the technical skills they had were not enough to handle the new responsibilities that required non-technical skills as well. An altogether different mindset is required to manage the workforce in an organization. The same holds true for running a business efficiently. New responsibilities, dealing with a larger workforce and handling large corporate accounts necessitate business coaching in work environments. In some organizations, executives need to be motivated to take business coaching lessons. If executives lack the inclination to develop better business skills, then you can modify their compensation program to encourage them to attend the business coaching sessions. The compensation can be linked to their coaching performance, so that executives are automatically involved in business coaching programs. Likewise, such measures can also be taken to motivate executives to impart business coaching to their subordinates. By providing training to executives to conduct one-on-one coaching, known as coaching-the-coach approach, coaching sessions can be made more interactive and interesting. Coaching areas include public speaking, financial issues and press relations. The coaching-the-coach approach assists executives to fulfill the coaching role, both as a coach and a learner efficiently. To begin with, conduct a confidential review to understand the strengths, weaknesses and potential of the executives. A good business coach helps you to build and strengthen soft skills that are a prerequisite for managing large businesses. In the beginning, the business coach evaluates your business needs and accordingly designs a structured coaching schedule that fits your individual organization or business. They assist executives and managers to set smart business development goals, thereby ensuring that they master the skill of prioritizing work efficiently. Prioritizing your work helps you become more accountable and ensures that all your efforts are properly routed to realize the most important goal developing your businesses. During business coaching lessons, the coach closely observes you and provides you with an objective feedback, to help you analyze and work out solutions to get the business back on track. For effective coaching, it is important that the business coach has a good understanding of your business and provides you with a sincere assessment of your Business Development Activities, on a regular basis. This form of assessment helps you to concentrate your efforts on areas that require the sharpening of skills. The business coach ensures that you are able to develop better management skills that can have a long-term positive impact on the business. Selecting a business coach can be easy if you have identified your business requirements. When selecting a business coach, you can enquire for referrals from other business associates. Business coaches adopt different teaching methods and you have the option of selecting a coach whose business and managerial concepts are most appealing and apt for your type of business. Another option is to buy introductory books and audio programs of some of the best coaches, to get a better idea of their field of expertise and their teaching methods. It is also important to employ a business coach who has relevant experience to handle business issues pertaining to your type of business. Today, the Internet and other technological innovations have facilitated interaction with eminent business coaches around the world. Prior research will help you to obtain information about various business-coaching options available.
Frequently Asked Questions
Accident at work.. can I claim?
So basically, I was up on a sort of catwalk at work, and i leant on a handrail, which wasn't properly bolted to the floor, it came loose, and i fell 12 feet, broke my collarbone, dislocated my shoulder, broke two fingers and my wrist. Do I have grounds to claim against the company?
It wasn't scaffolding, It was a catwalk, the floor space is narrow, and you have to hold onto the handrails... so i don't think they will sue me...
You can in the UK. Hopefully you have reported this to the Health & Safety Executive. Your employer can be prosecuted.
accident at work? Claims?
To try and paint a picture basically i work in a restaurant/bar
Glasses had came out the dishwasher (which is hot) and put on the shelves. I got asked to pour a pint, touched a glass and it exploded in my hand. Its quite a common thing at my work, i have a feeling the dishwahser is at to a high heat setting, causing numerous glasses to basically "burst" in your hands.
As a result glass was everywhere, and a huge shard sliced right through my hand. Blood was poring out ( i knew right away a plaster wasnt going to cover it) . My boss tried bandaging it but id lost all feeling in my thumb and finger next to it. I went straight to A&E where i was told id have to get stitches. Now 6 months on my hand isnt the same. Its a lot weaker, i struggle to lift things i had no problem lifting before. Been back to docs and he said it might never be the same, just to get oone of these stress balls and squeeze it.
Basically, can i claim against my employers insurance company? He stated a while ago that if any one ever did hed sack them. Bit unfair i think. It wasnt my fault, but not sure if i could claim. The dishwasher in question was installed in 2000, 12 years ago and doesnt seem to have had any furthr electrical tests.
Thanks for any responses
You should have contacted the Health & Safety Executive at your Council the next day. They would have come and tested the machine. This should never happen with a commercial dish washer. All electrical items in a commercial premises HAVE to be PAT tested every year and a certificate issued. Your boss is in serious trouble. Go and see a Solicitor and phone the H&S. If you loose the job you can also claim unfair dismissal. He can loose his business and have a huge fine.
claiming for personal injury at work?
recently been injured at work. is it possible to negotiate with employer directly or is it necessary to go through solicitor?
solicitor's say i stand to gain 2000 - 2800
what do they stand to make? would they normaly claim their fee from the company i was working for?
This is what you require about UK employment law.
Accidents in the workplace
Your employer has a duty to protect you and tell you about health and safety issues that affect you. They also have a legal obligation to report certain accidents and incidents, and to pay you statutory sick pay, or contractual sick pay if you are entitled to it, if you need time off because of an accident at work.
Reporting an accident at work
Your employer must report serious work-related accidents, diseases and dangerous incidents to the Incident Contact Centre of the Health and Safety Executive (HSE), or in Northern Ireland the Health and Safety Executive for Northern Ireland (HSENI). They must report:
major injuries (for example, a broken arm or ribs)
dangerous incidents (for example, the collapse of scaffolding, people overcome by gas)
any other injury that stops an employee from doing their normal work for more than three days
The reporting must be done by your employer, but if you're involved it's a good idea to make sure it's been reported.
Who is responsible for health and safety at work?
Your employer has to carry out a risk assessment and do what's needed to take care of the health and safety of employees and visitors. This includes deciding how many first aiders are needed, and what kind of first aid equipment and facilities should be provided. First aiders have no statutory right to extra pay, but some employers do offer this.
Employees must also take reasonable care over their own health and safety
Failure to advise RIDDOR on accident - need advise.?
If RIDDOR os not advised on an accident where an employee has been off for more than 3 days (a fortnight to be exact), what repercussions will this have.
Any / all advise appreciated.
RIDDOR is a regulation, not a department. You mean the Health & Safety Executive.
It may impact on your insurance if the employee claims. The insurer may refuse to pay, in which case the company would be liable for compensation.
Auto Insurance Claim Denial - Premium Payment?
My Husband was laid off due to the economy and we took a real hit financially. We were not able to pay our premium right on time and received an intent to cancel notice with a required postmarked date for the payment. I mailed the payment before the postmarked date, but received it in the mail 8 days later with a return to sender label.
I was in an accident a couple days before the payment was returned and found all of this out when I called to report the claim and had no idea the payment had not made it to the company. The Insurance Co. asked me to fax them the envelope with the postmarked date and a copy of the check. I did... They came back 5 days later saying they are not going to cover it because they didn't receive the payment. Is this legal when I have no control over the post office?
I understand, I was at fault for having to send the payment late. But the notice clearly stated a postmarked date in order to prevent a lapse in coverage. I don't know what to do. I will loose everything if my insurance company doesn't back me up. I owe ,000 on the car and the damages are way more then I can afford. I've always paid them.
The return to sender label stated "undeliverable as addressed". I did not have the pre addressed envelope at the time I was sending the payment, so I wrote the address down that was on the notice.
The Insurance Company is Safco Insurance.
I have dealt with this kind of thing many times. However, you are leaving out a very important part.......why did the Post Office return the mail? The yellow label should have a reason on it. This is an important part of the puzzle.
Also, if you don't mind tell us who the company is.
Hopefully, you're not in this position again but it is always best to bring the payment to your local agent assuming you have one.
Thanks for the additional info. Not much good news in it though. Some companies have addresses that they refuse to accept mail at. I used to work for one that did that. Very interesting tactic.
Even though you used the wrong address an argument could be made that you made a good faith effort to make the payment before the deadline. If you have a local agent you will need explain why you didn't take the payment to them because with most companies taking the payment to the agent is the same as handing it directly to the CEO of the company.
Safeco should have sent you a written letter by now explaining their coverage denial. You have two cheap options at this time. 1) make your case to a claims manager or other junior claims executive or 2) ask your states Insurance Commissioner to review the matter.
Frankly, the odds aren't in your favor but it's worth a try.
HELP on Workers Comp?
I Hurt my back on the 8th of this month at work. and i told my boss (she is greek doesnt understand much english) anyways i had to go to the hospital, and then the doctor a few days later... i broke my rib and tore some muscles .. im supposed to be off work for the next three weeks and i dont know how to talk to her about it.. she is a U know what .. and im afraid ill get fired.. help plz
Speak to an industrial solicitor that specialises in accident claims, they will negotiate on your behalf and talk to the HSE thats the Health and Safety Executive a local government operative can put you onto them or you can do it on line. You have to report anything like this especially if you fear reprisals.
can someone who cheated then left his first wife after a disfiguring accident claim the moral high ground?
I mean, have you read how McCain left Carol? I mean what gives him the right to talk about family values after that?
that article contains interviews with former friends (Including Ross Perot who helped pay for the surgeries after the accident) and even Carol McCain
no Whiney, he cheated for 6 month before divorcing her, and not only with Cindy
McCain08, the article clearly states that the story comes from a newspaper
Not only that, but how can he criticize Obama for his inexperience when he has picked a VP who doesn't even know what her job would be, not to mention she has only been in senate for 20 months.
Would anyone honestly trust her as president if McCain dies of a heart attack in office?
So did our current president. And so have most of the politicians in office. Cocain wa very popular withpoliticians and bussiness executives in the 70's and 80's
Accident at work, please help?
I had an accident at work when moving some warehouse racking beams and shelves. A shelf I had relocated fell as I was lifting it, about head height and I'm 6' 2 (it was approximately 9 feet long and 4 feet wide and heavy-ish). It cracked me on the shin and landed on my foot. I went to hospital but they x-rayed my foot, and nothing was broken, just bruised and really swollen. This was on a Thursday afternoon, and I had to have the Friday off work as I couldn't get a shoe on my foot as it was too swollen. The swelling died down and I was back at work on the Monday. The problem is:
My boss won't pay me for Friday, I either have to put a holiday in, or use my overtime from last month to cover my day's wage, or take a sick day. Technically I don't want a sick day...,but I don't think I should have to use my holidays or overtime to pay for a works accident.
I had nobody to help me move the beams and shelves
I wasn't supplied with any protective clothing
I'm not trained to move any warehouse racking
The problem is, if they just paid me the days wage I wouldn't be fussed (it's principal more than anything), do I threaten to sue? I'm scared in case redundancies arise that I would be first to go if I sue the company.Any advice would be greatly appreciated.
Unfortunately, you don't say what Country you are in. Lets assume England - as most Countries follow English Law.
Of the three items you mentioned
No protective clothing
The most important is No Training as if you had been seriously injured the employer would have had to show a training record and No training record - almost instant loss of a claim against them.
First of all, at this time I would simply take the loss of the days pay to see if your injury could turn worse - cracked bones in the foot - you don't want to find in 6 months time you are crippled and can't work.
Get Medical treatment and ensure that the incident is recorded in the Accident Book. If he won't put it in - contact the local Health & Safety Executive and report it. They will investigate and fine the factory. If they sacked you because you reported it, then they would certainly lose at any Industrial or Employment Tribunal.
If it all settles down, ask for Compensation and your days pay OR you see a Solicitor. He'll pay.
Does Obama lie intentionally or by accident?
"Asked about the Fast and Furious program at the Univision forum on Thursday, President Obama falsely claimed that the program began under President George W. Bush.
"I think it's important for us to understand that the Fast and Furious program was a field-initiated program begun under the previous administration," the president said. "When Eric Holder found out about it, he discontinued it. We assigned a inspector general to do a thorough report that was just issued, confirming that in fact Eric Holder did not know about this, that he took prompt action and the people who did initiate this were held accountable."
In actuality, the Fast and Furious program was started in October 2009, nine months into the Obama presidency.
Previous programs involving ATF agents allowing guns to "walk" across the border so as to trace them were run during the Bush presidency, but not this particular "field-initiated program."
White House officials did not respond to a request for comment after the falsehood was pointed out to them."
Fast and Furious was an Obama program that started in 2009.
Wide Receiver was a Bush program that ended in 2007.
You notice how Democraps always overlook lies & crimes committed by Obama and other far left libs, or blow off all criticism as "grasping for straws".
WR was a Bush program that worked, but not very well, that's why it was ended.
F&F was started by Holder & Clinton & Obama to create criticism for guns and a reason to erode OUR Constitutional rights. It was poorly thought our, ineptly run, and was an abject failure.
Then Holder & Obama lied about it.
Obama claimed Executive Privilege...something a President cannot do unless he or Holder was directly involved with, which they deny. Obama violated the law and the Constitution.
This is NOT grasping at straws a$$wipe, it is calling a criminal a criminal.
Accidental death insurance on a mortgage cancelled after claim is filed?
My brother and I filed a claim with the insurance company that my dad had attached to his mortgage, and today we received a letter saying it was cancelled because the insurer has passed. Does this mean that they won't pay? After we filed a letter was sent telling us that it would take 15 days and those days were up 2 days before the date of this letter. Is this a normal response?
It was cancelled because the INSURED passed. That would be your dad. Once he passed, there's no need to KEEP paying for this life insurance.
The claim would still be valid.
HOWEVER. There are two things you REALLY need to know about this - maybe three:
1. Accidental death only covers deaths that are ACCIDENTAL in nature. No suicides, drug overdoses, or health issue like heart attacks, cancer, strokes. Very, very few people die via a "defined" accident. These policies RARELY pay out.
2. since it was attached to the mortgage, odds are, the lender is the one that's going to get paid for this.
3. Unless one of you is executive or administrator of your dad's estate, even if the lender gets paid, they cannot tell you, and the life insurance company cannot tell you what's going on with the claim. This is private information, protected by privacy laws.
If you have had an accident on and you know the person has public liability?
The person has refused to even reply or contest my claim what can you do to progress this. They know I am terminally ill and I think they are ignoring it so it goes away. I sliped an recent illegal installation, being a smooth disk in a shop step without building control approval. Disk is meant for soil stacks
Is the disk still there, or have they taken steps to cover it up or remove it? You need to get a picture of it before it is too late. Were you injured? It is possible to slip and fall down without any lasting damage, but if you did sustain injury, did you make sure that you saw your doctor about it immediately afterwards in order to have medical evidence? Did you complain at the time of falling down and demand that they enter the incident in their company accident book? As you seem to have been in correspondence with these people for some time, it seems as though maybe you would find it hard to establish your claim, even if you had sustained injuries. My inclination would be to get this looked into by the health and safety executive of your Local Authority. They have greater powers than you. http://www.hse.gov.uk/laU/index.htm
Had a accident in May other driver admitted fault, from zurich claiming excess back,how long should it take?
Insurance company are constantly saying that it will be reviewed,it takes time when it is abroad,but it is now 7months,help!
Write a letter of complaint addressed to the chief executive asking for an explanation for the delay.
What do you think about this car accident?
A truck backed into my sister's car. If she had not stopped the driver they would have fled the scene. The only reason they stopped is she said she was calling the police. All men in the vehicle claimed they spoke no English and had the same name. The police verified insurance and issued a ticket. When my sister reported the accident her insurance company discovered that the men canceled their insurance immediately after the accident. The truck belonged to a business. I think that they were are illegal workers and should have all been arrested, Legal immigrants are required to speak English. What do you think?
I know that she will be taken care of. You are mistaken that they aren't required to speak english. I think it's funny that they all tried to use the same name. They ONLY reason the insurance company will pay is the police issued a ticket stating the time of the incident.
"the city" doesn't pay, my taxes (i might add they DON'T contribute to those). I'm willing to spend the extra dime to arrest and deport them so why shouldn't it be done.
This happens quite frequently, and the illegal alien criminals usually get away with it. In most states,the police just let the illegal aliens go, as they are not authorized to detain them for only being illegal aliens. You should tell your state reps that you want your state and local police trained under the 287 g program.
287(g) : Immigration and Nationality Act
by Jessica Vaughan and James Edwards
Section 287(g) Is the Right Answer for State and Local Immigration Enforcement
by James Jay Carafano, Ph.D. Executive Memorandum #994
State and local law enforcement have an important role to play in federal immigration investigations. Section 287(g) of the Immigration and Nationality Act (INA) provides the legal authority for state and local enforcement to investigate, detain, and arrest aliens on civil and criminal grounds. Any comprehensive border and immigration security legislation by Congress should include provisions for strengthening and expanding programs authorized under 287(g).
Comprehensive Reform Needed. Any effective solution for reducing illegal border crossings and the unlawful population in the United States must address all three aspects of the problem: internal enforcement of immigration laws, international cooperation, and border security. Internal enforcement and international cooperation are essential to reducing and deterring the flood of illegal entrants into the United States, making the challenge of securing America s borders affordable and achievable. Nothing less than a comprehensive reform will do.
This reform must include restoring the integrity of U.S. immigration laws. The federal enforcement agencies lack the capacity to pursue aggressively all immigration violations that represent serious criminal and national security threats, much less effectively deter any who wish to defy U.S. immigration laws. The Department of Homeland Security (DHS) does not even have enough resources to deport criminal aliens released from prisons. Furthermore, effective domestic counterterrorism operations and interstate criminal investigations require close cooperation of federal, state, and local investigators.
State and local governments need to provide more support, but it must be balanced with equally compelling priorities. Any participation should:
Safeguard the liberties and rights of U.S. persons,
Not impose huge unfunded mandates on state and local governments,
Contribute to reducing the unlawfully present population in the United States and deter illegal entry,
Help to combat transnational threats and violent and organized criminal offenders, and
Strengthen community policing, facilitating greater cooperation between law enforcement and communities.
At the very least, in the normal course of criminal investigations, state and local law enforcement should neither ignore immigration law nor hesitate to cooperate with federal immigration officials. In the case of counterterrorism and violent and organized crime, more concerted effort is needed.
Can anyone help me with my issue? Have been trying all day and still no luck with my math.?
This is elementary Statistics question:
An insurance executive asserts that the mean amount paid by his firm for personal injury claims resulting from auto accidents is ,500. An actuary wants to check the accuracy of this claim and so samples randomly 36 cases involving personal injury. The sample mean is ,415 and an all-knowing alien being tells the actuary that = ,600. Can we reject the executive's claim at the = .05 level?
Thanks for all your help!
This is hypothesis testing for claims about mean with sigma known.
Our original claim is the mu = 18500. Negation of this claim is mu =/ 18500. Since the negation does not contain equality, this will the alternative hypothesis.
Ho: mu = 18500 (original claim)
Ha: mu =/ 18500
To find test statistic, use the formula z = (x bar - mu) / [sigma/sqrt(n)]. The givens are:
x bar = 19415, mu = 18500, sigma = 2600, and n = 36
Plug in then evaluate
z = (19415 - 18500) / [2600 / sqrt(36)] = 2.11
For p-value method, find the area to the right of this z score either by using table or calculator. Since this is two-tailed test (Ha: mu =/ 18500), multiply this area by 2. You should get p-value = 0.0349.
Conclusion: Since p-value = 0.0349 is less than the significance level = .05, we reject the null hypothesis.
Interpretation: There's enough evidence to support that the mean amount paid by his firm is not equal to 18500. So we reject the executive's claim.
My car was in an accident, someone else was driving it, and the other driver had no insurance. Why do I have?
to pay deductable now that the car is totalled? Also, I am being told that I have to pay a 00 deductable on the medical claims being made by the person who was driving the car. I don't understand this. I am getting a settlement for 00 for the car, and the entire thing is being eaten up. The other driver was at fault, but have no valid license or insurance. The friend who was driving my car didn't have their own insurance. So any and all claims are being made to my insurance policy. But, why am i being hit for their medical deductable and the 0 deductable on a totalled car? Is there anything I can do about this? Also, their settlement for the car is low. I have quotes from 5 different dealers stating the car sells for 500-1000 more used on the lot. How do I get them to increase the settlement offer?
DON'T LISTEN TO MOST OF THE PEOPLE WHO HAVE ALREADY RESPONDED. They don't know what they're talking about. (For example, you won't be able to find a lawyer to sue an uninsured driver...because the uninsured driver likely has no assets to sue for. Most PI lawyers who'll take your case on a contingent fee basis will only do so when there's INSURANCE out there. I.E. A guaranteed paycheck.)
Your question had many mini-questions, so I'll do my best to answer them in the order in which you wrote them.
1) Check your policy regarding Medical Claims under LIABILITY, sometimes referred to as Bodily Injury coverage. I'm not sure what state you're in, but most policies don't have Deductibles for any coverage under LIABILITY. Only for Collision/Comprehensive coverage. But check your policy and see what it says about Bodily Injury coverage.
Also, if the other driver is at fault, then your company shouldn't be paying him anything under your policy. NOTE: Think about who was at fault in this. Legally at fault. If your guy failed to yield right of way, etc. Then your driver is at fault. Just because someone doesn't have a driver's license doesn't make them LEGALLY at fault for an accident.
2) As far as your Collision deductible, again, who was legally at fault for the accident? If your driver WAS NOT AT FAULT (and be honest with yourself), then you should contact your adjuster about Uninsured Motorists Coverage. In most states, that coverage (UMPD) will decrease your deductible to 0.
Also, if the other driver is legally at fault, then you might consider suing him in Small Claims Court for your out of pocket expenses. The good thing about Small Claims is that it's cheap to file (usually between -50), and you don't need a lawyer to represent you.
3) Regarding your Total Loss quotes, gather your quotes together, along w/quotes from www.kellybluebook.com and/or www.nada.com, and contact your Total Loss Adjuster. Let him or her know that you have quotes that are ranging well above what your insurance company is attempting to pay you. Your adjuster will then say, "Sir, please keep in mind that we don't owe you Retail value, we only owe Actual Cash Value." Your response to that should be, "Sir, the values I am giving you are actual cash value. I sorted out the Retail rates from the Actual cash rates for that very reason." They should then request you to fax in your quotes. They'll probably call you back with a 0 increase, etc. If they don't then your next move should be to contact a supervisor. If he/she doesn't help you then ask for their supervisor. Move up the ladder 2 moves, before you then contact their Corporate office to file a CEO Executive complaint. (And yes, you have the power to do this. I've done it myself twice. And yes, it does work.)
REMEMBER IN ALL OF THIS YOU NEED TO KEEP YOUR HEAD. THINK LIKE A NEGOTIATOR AND NOT LIKE A WHINER. YOU DON'T NEED TO YELL TO GET YOUR POINT ACROSS. THINK SMART AND YOU'LL GET YOUR WAY.
Pat Tillman was killed with 3 ak47 shots to the head. 3star Gen. demoted white house cites Executive privelege
What the hell is my country doing? He was shot execution style and it was covered up. Even his clothes and diary were destroyed. Is the government in the middle of a coverup?
Give a source? How about the nightly news on every channel except Fox.
He was against the war in Iraq, and he was killed by 3 bullets at close range though I did not see what type! If he was going to ba assisinated, they would not use a US weapon!
The president, did not tell the Tillman family for 5 weeks after they knew it was fraticide, leading them to believe he was killed in action!
Here we go again! The Bush white house is involved in this as well or they would not be witholding information, claiming Executive privelege! Is that the only 2 words Bush knows?
" Tillman kept an extensive journal since he was 16 and guarded it with his life. Two days after his death, the journal, along with almost all of his other personal affects, disappeared.
The fiasco of the cover-up around his killing continues to go higher and higher up the ladder ... our president himself has blocked the release of information around the killing, claiming executive privilege.
All this evidence points to the unmistakable conclusion that Tillman was assassinated. If he had come out strongly against the war and Bush policy just a couple of months before the election, it would have been more than enough to tip it over to Kerry. Before this week, I would have disregarded this scenario as pathological ranting. But this week's AP story makes it incontrovertible that something really bad went down. The army's own doctors thought so and sought a criminal investigation. Three bullets, in a tight circle, from ten yards away will do that. Of course, they were turned down.
It's time to really ask who ordered the assassination of Pat Tillman."
I can get the same info from the NY Times and the SF Chronical!
Army medical examiners were suspicious about the close proximity of the three bullet holes in Pat Tillman's forehead and tried without success to get authorities to investigate whether the former NFL player's death amounted to a crime, according to documents obtained by The Associated Press.
"The medical evidence did not match up with the, with the scenario as described," a doctor who examined Tillman's body after he was killed on the battlefield in Afghanistan in 2004 told investigators.
The doctors whose names were blacked out said that the bullet holes were so close together that it appeared the Army Ranger was cut down by an M-16 fired from a mere 10 yards or so away.
Ultimately, the Pentagon did conduct a criminal investigation, and asked Tillman's comrades whether he was disliked by his men and whether they had any reason to believe he was deliberately killed. The Pentagon eventually ruled that Tillman's death at the hands of his comrades was a friendly-fire accident.
The medical examiners' suspicions were outlined in 2,300 pages of testimony released to the AP this week by the Defense Department in response to a Freedom of Information Act request. The Associated Press
His parents are not going to stop until they get the truth!
Insurance will not cover charges from dental accident/bill or only parts of it.. what can I do?
Our current insurer is MAMSI UnitedHealthcare. I recently (3 months ago) had a bicycle accident where I fell on my arm (severely fracture, but it's better now) and hit my teeth against the pavement... I was taken to emergency on an ambulance. The following day, I required a brief examination to the regular dentist, who sent me to an endodontist. The endodontist FILED down (to gum level) my front teeth to see how far the cracks on my teeth went. Unfortunately, the teeth's roots had to be surgically removed 2 days later. My insurance only wants to cover 80% of the CUSTOMARY, which adds up to 45% of the endodostist's charges and does not want to cover for the oral surgery based on the fact that they did not receive the TIME at which the oral surgery was performed. They also claim that both specialists were out of network and that only 80% of the CUSTOMARY (customary = regular charges THEY BELIEVE should be covered... so, it's NOT 80% of the REAL CHARGES! 80% ends up being about 40% of the REAL charges, if not a little less or a little more) will be covered, if any. When I called the insurance company, 1 day after the accident, I could barely speak due to the pain and broken teeth. The reps said "you'll be covered, no worries, go to the dentist"... based on this, I went to the endodontist and oral surgeon referred by my regular dentist. I also need implants, but the insurance will not cover them (as it says so in the manual, even if it's due to an accident/emergency) I'm really having a hard time with the insurance. Is there anything that I can legally do? Is there anything I could do for them to cover the implants? The accident took place in VA and the bills are high. I do not know what to do. Any help or advice will be highly appreciated. THANKS! Soon, my job will upgrade our policy to UnitedHealthcare and, apparently, the new policy will cover implants IF they are the result of an accident. I called under the soon-to-have policy and they could not provide me info on this only until the new policy kicks in... does anyone think the new policy will cover charges based on a pre-existing accident? (but MAMSI seems to be part of UnitedHealthcare... it's so complicated!)
Per law, if you have not had a lapse of greater than three months then you insurance company cannot have a pre-existing clause. Wait until you get the new insurance and then have your provider request the services and state the medical necessity.
As far as the previous services, if you spoke to someone at the company and she told you that services would be covered then your company is liable for those services, assuming you didn't go outside of your policy's terms and limitations. If they're out of network, then you will be responsible for the out of network rates, unless the company representative told you that your providers were in network. If she did sincerely misquote you then it should be in the company records and it's especialy helpful if you have the representative's name and the date that you called. They typically record those calls, so the actual call should be available. You also have to option to appeal any services that they deny, especially if they are deemed medically necessary. The only time you can't really appeal is if the services aren't a covered benefit
You should call and ask them to explain your appeal rights to you. I would also recommend that you speak with your HR or the account executive (the person that your company speaks with in order to set up the insurance policy). Often, they can bypass many of the rules that the representatives tell you over the phone. In fact, if either the HR or account executive tell them to cover it, then they can override any of the clauses in your benefits.
If all else fails, talk to the provider's billing representatives and check to see if they would be willing to work with you on the charges. Often, providers inflate their prices because insurance companies pay so low. So they may be willing to negotiate a lower cash rate for you.
Can an insurance company refuse to accept repayment on a claim if you are giving them all you can afford?
My 19 y.o. son had an accident while driving without insurance. In order to keep his license, he has to give the other partie's insuarnce company 00.00. He wants to take responsibility for his actions and has agreed to make monthly payments.
But the insurance company refuses to accept less than 0.00 per month. He explained to them that there was absolutely no way he could afford to do that. The most he can give them is .00 and that is pushing it.
They still say that is unacceptable. He has showed them his last few paycheck stubs and provided a itemized list of his monthly bills for their review, but they are not compromising.
If he doesn't have the money, how is he supposed to pay the monthly payment? Is there anything my son can do to make restitution to the insurance company, but at a rate he can afford?
How can they refuse to accept lower payments, since at least he is making an honest effort to pay them the money? Doesn't that count for something?
My best advice would be to go up the executive ladder of the insurance company until you find someone that's reasonable. a month seems like a reasonable amount, especially considering that your son is wanting to do the right thing and pay.
Ask to speak to a supervisor. I think if you go up the ladder high enough, remain calm and reasonable, you will find someone who will accept this amount. After all, they want to get their money back.
Best of luck!
My dad got injured from a construction site while working, is he covered?
He fell from the ladder because the top of the ladder breaking off when he was on it.
what can we do?
is he going to be still paid while his out of work?
is he covered by the government?
please let me know ASAP!
Sorry to hear of ypur Dad's fall. Any accidents on site will be investigated by the Health & Safety Executive. He needs to fill in an Accident/Incident form on site regarding the fall. He may only get SSP whilst off but if Company found at fault can claim back pay and injury compensation.
Hope he is ok
for GIC term deposits, are there any high interest rates like 4% annually?
for instance, if i deposit ,000 in a GIC investment, is there any chance of being offered a high yield or interest like 4% just for ONE year? Most of the banks only pay 1 or 2% interest just for one year so at the end of the day i only make like 0 for the whole year out of this.
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1. What is "Baggage Insurance ?
Baggage Insurance is insurance that covers the loss or damages to personal baggage of the policyholder or his family members due to fire, theft or accident during the course of journey anywhere in India including stoppage enroute.
2. Who is entitled to an Executive Travel Policy?
Any Indian National over the age of 18 years residing in India is entitled for Executive Travel Policy against risks during their travel overseas and within India.
3. What is the maximum indemnity available under the Executive Travel Policy?
In case of personal accident, the maximum limit of indemnity is Rs.30 lakhs. In case of loss of checked baggage outside India, the maximum limit of indemnity is Rs.75, 000/- and within India it is Rs.40, 000/-
4. What is covered by the Householder's Insurance policy?
The Householder's Insurance policy is designed to cover risks and contingencies faced by householders under a single package policy. It provides protection for property and interests as well as legal liability of the insured and his/her family members who permanently reside with the insured.
5. Are electronic items covered under the Householder's Insurance policy?
NO. Electronic items, computers and their peripherals, dish antennae are not covered under the Householder's Insurance policy. A separate Electronic Equipment policy must be implemented to provide cover for them.
6. What is the Premium rate for the Householder's Insurance policy?
The premium rate for the Householder's Insurance policy is calculated at 0.65 per thousand rupees value of the Capital Sum Insured. The Capital Sum Insured is derived at the time of commencement of the policy from the Market Value of the property.
7. What are the exceptions against cover within the preview of the Householder's Insurance Policy?
Under Section 1 (B) the Householder's Insurance policy, any loss or damage suffered to the following is treated as an exception to such policy and cannot be claimed.
* Consumable articles
* Stamp collection
* Motor vehicles
* Pedal cycles
* Bills of exchangs
* Promissory notes
* Loose precious stones
* Jewellery and valuables
8. Is there any time limit for the insured to notify claims to the insurance company?
According to the policy conditions, the insured should immediately notify any claim or event that may lead to a claim under the policy forthwith. However, the time limit prescribed is governed by the Indian Limitation Act in force from time to time.
9. What is the coverage available for a series of claims arising out of same cause of neglect, error or omission?
Where a series of claims arises out of the same cause, they are added together and treated as one claim. However, there is no coverage for claims arising from one specific cause but are made later than 3 years after the first claim of the series
10. Are Short Period policies permitted under the Medical Establishment Professional Negligence policy?
Short period policies are not permitted under the Medical Establishment Professional Negligence policy. In case the policyholder desires cancellation, short period scale rates will be applicable.
11. What is the Jurisdiction applicable under the Professional Indemnity policy?
Jurisdiction applicable under the Professional Indemnity policy will be within Indian Courts.
12. For whom is Professional Indemnity Insurance Policy available?
The Professional Indemnity Insurance Policy is available for all doctors, medical establishments, contractors, engineers, architects, interior decorators, chartered accountants, financial accountants, management consultants, lawyers, advocates, solicitors and counsel.
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