CriticalCare Plus insurance provides a lump sum benefit if the policyholder is diagnosed with a critical illness such as cancer, heart attack, or stroke. It aims to help cover expenses not covered by traditional health insurance, such as co-pays, lost income, and home modifications. The policy offers benefits for illnesses, medical procedures, and activities of daily living. It also provides access to the Best Doctors service and return of premium if the policyholder passes away. Limitations include pre-existing conditions and intentional injuries. The policy is issued by American General Life Insurance Company.
Challenge of Delivering Healthcare & EAP: US / Canada PerspectiveCG Hylton Inc.
On Line Survey Results
Canadian Health Care Primer
US Health Care Primer
Comparison Statistics
Implications for EAP Professionals
Future Steps towards Wellness Culture
Reform of the U.S. health care system is at hand. On June 28, 2012, the Supreme Court of the United States (SCOTUS) upheld one of the most historic health care laws in the U.S. since the establishment of the Medicare and Medicaid programs in 1965 under President Lyndon Johnson—the Affordable Care Act (ACA). Last year, 21.4 cents of every Federal income tax dollar received went to Medicare and health care spending, second only to the military in U.S. expenditures. According to the last report by the Congressional Budget Office (CBO) issued in March 2012, ACA will cost $1.76 trillion (net cost of $1.1 trillion) to fully implement between now and 2022. That amount represents significant provisions to fuel reform.
Prior to ACA, use of electronic health records (EHR) was triggered under the American Recovery and Reinvestment Act of 2009 (ARRA). The HITECH component of this law is specifically designed to reward and accelerate interoperable EHR adoption by hospitals and providers through an incentive program known as Meaningful Use.
Between ARRA and ACA, delivery of health care in America will look very different in the next five years. The following numbers and metrics are brought to you by SuccessEHS and tell the tale of health care transformation. Enjoy!
PROTRADE FINANCIAL
Creative Presentation for Brand and Website Strategy
BRAND STRATEGY >> FIRM PROFILE
Protrade is a direct access trading broker-dealer built upon the extensive experience of a full-service trading firm. Unlike traditional direct access trading firms, Protrade offers its customers a team of top traders with an impressive background in the financial markets, including a daily presence on the New York Stock Exchange.
Protrade is committed to technology and innovation by developing and offering sophisticated trading platforms and algorithms designed to meet the needs of active investors.
Protrade strategic partnerships with financial educators will allow customers to attend informative online and live events to assist them in achieving their financial goals.
BRAND STRATEGY >> GOALS & OBJECTIVES
The immediate goal within the first 3 months is to capture as many past relationships to Protrade as possible. The goal is to convert between 200 and 300 customers.
During this initial three-month phase, Protrade would like to introduce 50-75 new active retail customers to their new website. Active means customers that do 100+ trades per month.
At the end of 6 months, Protrade would like to have 150-200 new retail relationships. And by the end of the first year, the goal is to have 500 relationships. These relationships would be split; 80% active retail and 20% institutional customers. However, it would desirable to have the customer mix more heavily tilted to the institutional side as those customers tend to be more self sufficient and more successful.
BRAND Concept >> NO Bull >> Creative Brief
The direct access trading category tends to make a lot of claims that emphasize technology-only solutions. Active investors can see right through these claims. The objective of this brand promise is to offer relevant insight and tools to these seasoned traders that they can’t get anywhere else.
This promise is supported by the positioning statement that would always accompany the Protrade logotype, Informed Investors Win. This statement, combined with the strength of positive associations to the Bull symbol, reinforce to prospects and customers alike that Protrade will give them the competitive edge to make more money.
In both off- and online advertising and promotions, the positioning statement will be extended into a memorable headline that reinforces the Protrade brand, Informed Investors Win. That’s No Bull. That’s Protrade. Imagery will depict the experienced Protrade team in action. The colors blue and gray give the firm a feel of stability, while the black adds a contemporary edge to the brand.
Challenge of Delivering Healthcare & EAP: US / Canada PerspectiveCG Hylton Inc.
On Line Survey Results
Canadian Health Care Primer
US Health Care Primer
Comparison Statistics
Implications for EAP Professionals
Future Steps towards Wellness Culture
Reform of the U.S. health care system is at hand. On June 28, 2012, the Supreme Court of the United States (SCOTUS) upheld one of the most historic health care laws in the U.S. since the establishment of the Medicare and Medicaid programs in 1965 under President Lyndon Johnson—the Affordable Care Act (ACA). Last year, 21.4 cents of every Federal income tax dollar received went to Medicare and health care spending, second only to the military in U.S. expenditures. According to the last report by the Congressional Budget Office (CBO) issued in March 2012, ACA will cost $1.76 trillion (net cost of $1.1 trillion) to fully implement between now and 2022. That amount represents significant provisions to fuel reform.
Prior to ACA, use of electronic health records (EHR) was triggered under the American Recovery and Reinvestment Act of 2009 (ARRA). The HITECH component of this law is specifically designed to reward and accelerate interoperable EHR adoption by hospitals and providers through an incentive program known as Meaningful Use.
Between ARRA and ACA, delivery of health care in America will look very different in the next five years. The following numbers and metrics are brought to you by SuccessEHS and tell the tale of health care transformation. Enjoy!
PROTRADE FINANCIAL
Creative Presentation for Brand and Website Strategy
BRAND STRATEGY >> FIRM PROFILE
Protrade is a direct access trading broker-dealer built upon the extensive experience of a full-service trading firm. Unlike traditional direct access trading firms, Protrade offers its customers a team of top traders with an impressive background in the financial markets, including a daily presence on the New York Stock Exchange.
Protrade is committed to technology and innovation by developing and offering sophisticated trading platforms and algorithms designed to meet the needs of active investors.
Protrade strategic partnerships with financial educators will allow customers to attend informative online and live events to assist them in achieving their financial goals.
BRAND STRATEGY >> GOALS & OBJECTIVES
The immediate goal within the first 3 months is to capture as many past relationships to Protrade as possible. The goal is to convert between 200 and 300 customers.
During this initial three-month phase, Protrade would like to introduce 50-75 new active retail customers to their new website. Active means customers that do 100+ trades per month.
At the end of 6 months, Protrade would like to have 150-200 new retail relationships. And by the end of the first year, the goal is to have 500 relationships. These relationships would be split; 80% active retail and 20% institutional customers. However, it would desirable to have the customer mix more heavily tilted to the institutional side as those customers tend to be more self sufficient and more successful.
BRAND Concept >> NO Bull >> Creative Brief
The direct access trading category tends to make a lot of claims that emphasize technology-only solutions. Active investors can see right through these claims. The objective of this brand promise is to offer relevant insight and tools to these seasoned traders that they can’t get anywhere else.
This promise is supported by the positioning statement that would always accompany the Protrade logotype, Informed Investors Win. This statement, combined with the strength of positive associations to the Bull symbol, reinforce to prospects and customers alike that Protrade will give them the competitive edge to make more money.
In both off- and online advertising and promotions, the positioning statement will be extended into a memorable headline that reinforces the Protrade brand, Informed Investors Win. That’s No Bull. That’s Protrade. Imagery will depict the experienced Protrade team in action. The colors blue and gray give the firm a feel of stability, while the black adds a contemporary edge to the brand.
This Infographic gives an overview of the situation, explaining why surviving a critical illness can be financially devastating.
Read more: www.genre.com/knowledge/blog/critical-illness-insurance-fast-facts-en.html
Critical illness insurance is a source of funds you can use to help cover the indirect costs that arise when a
serious illness strikes. By providing money when you need it most, upon diagnosis of a serious illness (as
defined in the policy), critical illness insurance can help relieve worry about your finances so that you can focus
on getting well.
Critical illness insurance pays you a lump sum of money upon diagnosis of a covered condition. This money is
yours to use for any purpose, with no restrictions. For example, critical illness insurance proceeds can be used
to pay:
* Mortgage or rent payments, as well as any other bills you may have;
* Health insurance deductibles, coinsurance and/or co-payments;
* The costs of receiving out-of-network medical treatment, including possible travel and lodging expenses;
* Treatments not covered by traditional health insurance;
* Child care expenses during treatment or hospitalization;
* Modifications to your home or vehicle; and/or
* Shorter-term home health care.
Since the premiums paid for critical illness insurance are not tax deductible, the benefits are not considered as
income and are received 100% free of income tax.
Residents of NY, NJ and CT - contact: J. Sadler Hayes, II / 845-639-0492 / sadlerhayes@gmail.com
A Modified Endowment Contract (MEC) is a special type of cash value life insurance
policy that requires extra attention because of the tax laws associated with it. The
federal tax law definition of “life insurance” limits your ability to pay certain high levels
of premiums. Potentially, any insurance policy that accumulates cash value can be
classified as a MEC, either when the policy is issued, or in later years.
Last Friday, March 23, marked the two-year anniversary of the passage of the Affordable Care Act (ACA). While this week the Supreme Court heard arguments on challenges to the health care law, a number of ACA’s provisions are already making an impact on the business of health care and individual consumers.
New "flip book" eMagazine is available for you right here. The value of insurance is front and center in this new publication which features an easy to use flip book feature. VantagePoint magazine is an independently produced quarterly publication that offers valuable information for mature adults (55+).
Taking stock of what matters and what we’ve
achieved in our lives is a great way to get started on
one of life’s most important subjects. You and your
family have worked hard to create the life you want.
Now might be a good time to have a conversation.
Long-Term Care isn't just for the elderly, and it isn't just about nursing homes. It's about having the assistance you need during an extended illness or injury at any time of life. Please read this guide. As always we are here to help.
These plans are guarantee-issue with no premium rate penalties for preexisting conditions or poor health status. There is a simple application with no health questions.
In an era of rising health insurance costs and new mandates built into federal reform, employers of all sizes are discovering the advantages of controlling their own destiny with self-funded ERISA health plans. With a large pool of employees, the employer could expect to save about 10 percent by paying medical claims directly rather than purchasing fully insured coverage. The key is to pick the right partners, address outlier risk with stop-loss insurance, and rigorously control costs.
How to Split Bills in the Odoo 17 POS ModuleCeline George
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Synthetic fiber production is a fascinating and complex field that blends chemistry, engineering, and environmental science. By understanding these aspects, students can gain a comprehensive view of synthetic fiber production, its impact on society and the environment, and the potential for future innovations. Synthetic fibers play a crucial role in modern society, impacting various aspects of daily life, industry, and the environment. ynthetic fibers are integral to modern life, offering a range of benefits from cost-effectiveness and versatility to innovative applications and performance characteristics. While they pose environmental challenges, ongoing research and development aim to create more sustainable and eco-friendly alternatives. Understanding the importance of synthetic fibers helps in appreciating their role in the economy, industry, and daily life, while also emphasizing the need for sustainable practices and innovation.
Palestine last event orientationfvgnh .pptxRaedMohamed3
An EFL lesson about the current events in Palestine. It is intended to be for intermediate students who wish to increase their listening skills through a short lesson in power point.
The Art Pastor's Guide to Sabbath | Steve ThomasonSteve Thomason
What is the purpose of the Sabbath Law in the Torah. It is interesting to compare how the context of the law shifts from Exodus to Deuteronomy. Who gets to rest, and why?
2024.06.01 Introducing a competency framework for languag learning materials ...Sandy Millin
http://sandymillin.wordpress.com/iateflwebinar2024
Published classroom materials form the basis of syllabuses, drive teacher professional development, and have a potentially huge influence on learners, teachers and education systems. All teachers also create their own materials, whether a few sentences on a blackboard, a highly-structured fully-realised online course, or anything in between. Despite this, the knowledge and skills needed to create effective language learning materials are rarely part of teacher training, and are mostly learnt by trial and error.
Knowledge and skills frameworks, generally called competency frameworks, for ELT teachers, trainers and managers have existed for a few years now. However, until I created one for my MA dissertation, there wasn’t one drawing together what we need to know and do to be able to effectively produce language learning materials.
This webinar will introduce you to my framework, highlighting the key competencies I identified from my research. It will also show how anybody involved in language teaching (any language, not just English!), teacher training, managing schools or developing language learning materials can benefit from using the framework.
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Coverage to fill a Critical Gap
1. CriticalCare PlusSM Insurance n CLIENT Guide
Critical illness insurance policies issued by: American General Life Insurance Company
Coverage to
help fill a
critical gap
Critical Illness Health Insurance
2. The risk of developing a
critical illness at any age is
real. So are the benefits of
CriticalCare Plus insurance.
They can provide the
immediate cash you need, to
use any way you like.
Did You Know ...
The Risk of Survival is a Reality The Cost of Surviving
■■ About 5.8 million stroke survivors are alive today, ■■ In 2005, cardiovascular disease cost Americans
many of them with permanent stroke-related $393.5 billion — the equivalent of $1,327 for each
disabilities1 man, woman and child in the country1,4
■■ The average male has a 16% chance of developing ■■ About 50% of bankruptcies are medically related5
leukemia before the age of 402
■■ In 2004, the costs surrounding cancer averaged
■■ In 2008, about 1.2 million Americans suffered a heart $29,805 per patient.4
attack — and nearly 62% survived1
■■ In 2008, 1.4 million Americans were expected to be
diagnosed with cancer — and 64% were expected
to survive at least five years2,3
When George and his wife Sandra purchased their dream house, they wanted to make
George, 31, attorney sure it would be a place to call home for many years to come. While they were applying
Leukemia
for life insurance to help cover the mortgage if either of them passed away, their agent
New homeowner
also suggested critical illness insurance, which could help protect their home in case
of a costly health crisis. They each purchased a CriticalCare Plus policy with a 30-year
coverage period — and three years later, when George was diagnosed with leukemia,
their prudent decision paid off. His policy delivered a single-payment benefit of $125,000,
which helped them address all out-of-pocket treatment costs and compensate for
lost income as they continued to meet their mortgage payments. Thankfully, George
recovered from the illness, and he and Sandra were able to look forward to many more
years in the home of their dreams.
The people and events depicted herein are fictional and do not represent actual cases.
1
American Heart Association, Heart Disease and Stroke Statistics — 2008 Update
2
American Cancer Society, Cancer Facts & Figures 2008
3
This estimate does not include carcinoma in situ of any site except urinary and bladder; and does not include basal and squamous cell skin cancers
4
U.S. Census Bureau, Annual Population Estimates 2000 to 2006
5
“Illness and Injury as Contributors to Bankruptcy,” Health Affairs, Winter 2005
3. A Broad Range of Coverage
Your CriticalCare Plus policy and applicable riders will pay a lump-sum benefit upon diagnosis of one of
numerous conditions most likely to cause major lifestyle changes.6,7
■■ Invasive cancer ■■ Coronary artery bypass ■■ Loss of sight, speech or hearing
(25%; up to $50,000 one time
■■ Coma ■■ Occupational HIV
benefit under the base policy)
(medical professionals only)
■■ Heart attack
■■ Kidney (Renal) Failure
■■ Major organ transplant
■■ Stroke
■■ Severe burns (25% upon listing with UNOS,
■■ In situ cancer 75% at the time of actual
■■ Paralysis only payable once per
(25%; up to $25,000 one time transplant)
lifetime; 100% for Quadriplegia,
benefit under the base policy)
50% for Paraplegia, 50% for ■■ Loss of independent living
Hemiplegia
After Allison and her husband divorced, her first priority was ensuring a bright future for
her 11-year-old son Jeremy, who had aspirations to become an architect. Month after
Allison, 46,
teacher
month, Allison diligently set aside funds to pay for her son’s education, often sacrificing
Stroke
her own needs to help his dream come true. She also purchased a CriticalCare Plus Single mom
policy with a 10-year coverage period to ensure that if she were ever faced with a critical
illness, her son’s college savings would be protected. Several years later when Allison
suffered a stroke, the major medical coverage provided by her employer covered most
expenses, but others — such as adaptations to their home to help her get around — had
to be paid out-of-pocket. Fortunately, the $75,000 benefit from her CriticalCare Plus
policy helped her address these expenses without tapping into her savings. Allison’s
recovery was slow and arduous, but she was able to watch her son follow his ambitions
and enter the college of his choice — without financial worries.
The people and events depicted herein are fictional and do not represent actual cases.
6
If diagnosed with a covered critical illness subject to all limitations and exclusions described in the policy
7
Benefits vary by state
2
4. Help to Cover the Costs
Being diagnosed with a critical illness can generate costs far beyond medical
expenses — costs that may or may not be covered by your traditional health
plan. Critical illness insurance can help cover the costs associated with a critical
illness diagnosis, which may help leave your retirement and family savings intact.
Direct costs can include: Indirect costs can include:
Deductibles Lost income
Lifestyle changes/
Co-pays
Modificat
ions to the home
Policy exclusions
Increased financial responsibilities
(such as experimental treatments)
Transportation and lodging for
Out-of-network medical costs
non-local treatment
■■ Meet mortgage payments
■■ Pay personal or business debts
■■ Address increased financial
responsibilities
■■ Access to Best Doctors
■■ Explore policy exclusions
(such as experimental treatments)
■■ Choose alternative medical treatments ■■ Compensate for lost income
■■ Pay deductibles, co-pays and out-of-network charges ■■ Take a family vacation
■■ Travel to out-of-state facilities for treatment ■■ Adapt to lifestyle changes
3
5. Upon the birth of her second daughter,
Wendy left her job as a nurse at a local Wendy, 36, homemaker
hospital to be a full-time mom. The family Breast cancer
was able to manage on her husband’s Full-time mother of two
income alone; however, they did have
to make some adjustments in their
lifestyle and weren’t able to build up any
savings. With no outside income, Wendy
was ineligible for individual disability
insurance; fortunately, she was able to
purchase an CriticalCare Plus policy.
When Wendy was diagnosed with breast
cancer six years later, the policy’s single-
payment benefit not only enabled her to
arrange for day-care for her daughters,
but also to fly her mother in from another
city to help around the house. Thanks
to CriticalCare Plus, Wendy was able to
continue taking care of her family even as
she focused on her own recovery.
Not an actual case; for illustrative purposes only.
As a successful orthopedic surgeon, Joan
enjoyed a comfortable six-figure income Joan, 45, orthopedic surgeon
— and with two kids at home and two Kidney failure
in college, she needed every penny. To Elimination periods on
protect her family’s lifestyle if she ever
disability coverage
became disabled, she purchased disability
coverage with a six month elimination
period; regrettably, even if she became
disabled and qualified for benefits under
her disability policy, the monthly benefits
would not start for six months. To help
cover the risk of the six month gap, Joan
also bought a $250,000 CriticalCare
Plus policy. Two years later, she suffered
kidney failure, which left her unable to
work for eight months. Fortunately, the
benefit from her CriticalCare Plus policy
enabled her to continue meeting financial
obligations without sacrificing her family’s
way of life before Joan started receiving
the disability benefits.
Not an actual case; for illustrative purposes only.
4
6. Discover the Benefits
Benefits, coverage and coverage options, riders and issue ages vary by state.
Benefit Amounts $10,0006 to $500,000. $150,000 if Benefit Extension Rider8 (BER) is elected.
Available Coverage Periods 10-year, 15-year, 20-year, 30-year and Lifetime
Return of Premium In case of the insured’s death while the policy is in force, the named beneficiary may receive a refund of all
premiums paid (less any benefits paid under the policy)9
Loss of Independent Living The full benefit payable for permanent loss of at least two out of six activities of daily living (bathing,
dressing, toileting, transferring, continence and eating)
Preventive Care Benefits Provides benefits if the insured undergoes any of a variety of health screening tests. Up to $50 per calendar
year will be paid.
Best Doctors® 10 Free membership in Best Doctors, a service which provides qualified referrals should you decide to seek
a second opinion
Benefit Period The Lifetime benefit period provides 100% critical illness coverage to age 70. The 10-year, 15-year, 20-year
and 30-year coverage periods provide 100% coverage until age 70 or the expiration of the coverage period,
whichever comes first. Loss of Independent Living is covered for the life of the policy at 100% after a 180-
day waiting period has been met.
Family Protection Coverage available for spouse and children
Optional Benefits 11
■■ Benefit Extension Rider: Provides coverage for additional diagnosis of a critical illness and delivers
benefits beyond that of the base policy for;
- a critical illness that is different from all previously diagnosed critical illnesses; or
- a critical illness that is the same as a previously diagnosed critical illness; can provide benefits upon a
new diagnosis (with a maximum of 2 additional diagnoses per critical illness)12
■■ Medical Personnel HIV Rider: Pays the full benefit to a medical professional upon diagnosis of HIV
acquired in the course of work-related duties
■■ Accidental Death and Dismemberment Rider: Protection in the event of an accidental death or
dismemberment. The accidental death and dismemberment rider also includes a common carrier benefit.
United Network Pays 25% of the benefit for a major organ transplant when the insured is entered into the national waiting
of Organ Sharing (UNOS) list for organ transplants. The remaining of the major organ transplant benefit (75%) will be paid at the time
of the actual transplant.
Issue Ages 18 to 64 (Non-Nicotine Users), 18 to 59 (Nicotine Users and the 10-year plan)
8
Benefit Extension Rider is not available for plans without a cancer benefit.
9
The Return of Premium provision does not directly take into account the time value of money or the effects of inflation. This was
taken into account when the premiums were determined.
10
Best Doctors is a registered trademark of Best Doctors, Inc., in the United States and other countries, and it is used under license.
11
See the Rider for details regarding the benefit descriptions, limitations and exclusions. There may be a charge for each rider selected.
12
Does not provide coverage for every critical illness covered by the base policy.
5
7. Best Doctors Limitations and Exclusions
Benefits payable are subject to all terms, conditions and exclusions of the
It’s included in your policy. Please review the policy and applicable rider forms for detail on all
CriticalCare Plus policy. limitations and exclusions. Limitations and exclusions include no benefits being
Started by doctors from Harvard payable for or on account of:
Medical School in 1989, Best ■■ A pre-existing condition unless the critical illness commences after the policy has
Doctors has helped thousands been in force for two years from the effective date or most recent reinstatement
of people be sure about their date. Pre-existing conditions are subject to the Incontestable Provision.
diagnoses – for free. ■■ Medically related illnesses that occur within the required 180 day waiting
How it works – Connect, period after a critical illness claim13
Investigate, Answer ■■ A critical illness occurring during the first 30 days of coverage, or the first
90 days of coverage for invasive or in situ cancer. However, an insured child
Connect: When you contact Best
born after the effective date of this policy or any subsequent reinstatement
Doctors, you will be connected
will be covered from birth for the critical illnesses stated in the policy schedule.
to a Member Advocate who will
answer your questions and take ■■ The insured’s suicide or any attempt at suicide or intentionally self-inflicted
your complete medical history. injury or sickness, or any attempted intentionally self-inflicted injury or
sickness, while sane or insane
Investigate: Best Doctors works
■■ The insured person being under the influence of an excitant, depressant,
with your physician to compile
hallucinogen, narcotic, or any other drug or intoxicant including those
your medical information, including
prescribed by a Physician that are misused by the insured person
all doctors’ records and tests, and
selects a specialist (s) from their ■■ The insured’s commission of or attempt to commit an assault or felony
database of 40,000 doctors. ■■ The insured’s engagement in an illegal activity or occupation
Answer: Best Doctors will deliver ■■ The insured’s voluntary participation in any riot or civil insurrection
you and your physician and easy-
■■ Any illness, loss or condition specifically excluded from the definition of
to-understand report summarizing
any critical illness
the doctor’s findings, letting
you know if your diagnosis and ■■ War or any act of war, whether declared or not
treatment plan are on target. ■■ Balloon angioplasty, laser relief of an obstruction, and or other
Best Doctors does not replace
intra-arterial procedure
your relationship with your current ■■ Practicing or participating in any semi-professional or professional competitive
doctor, but offers additional athletic contest for which compensation or remuneration is paid or received
resources and support to your and (Note: Benefits, coverage and coverage options, riders, issue ages, limitations and
your treating doctor. exclusions vary by state. Please review the policy and applicable rider forms for details
for a particular state.)
Rick had always loved to cook, and after years of coaxing from family and friends, he left
his corporate job to open a fashionable downtown bistro. Committed to “doing it right,”
Rick took out several loans to ensure his kitchen was well-equipped and his dining room
elegantly decorated. At the same time, he also purchased a CriticalCare Plus policy with
a 20-year coverage period to protect his investment even if a critical illness took him
away from his duties. Two years after opening his doors, Rick suffered a heart attack.
Unable to work for four months, he was grateful for the $200,000 benefit from his
CriticalCare Plus policy, which not only enabled him to hire the extra help he needed,
but also helped him continue his loan payments while his business adapted to the
disruption. Fortunately, Rick made a full recovery and was soon back at the restaurant
on a daily basis — and business was better than ever. Rick, 38, restaurateur
Heart attack
Not an actual case; for illustrative purposes only. Business owner
13
This does not apply to Preventive Care Benefits.
6