Are you writing off tobacco cessation counseling as non-payable? If so, it's time to change your gear. Previously, CMS only covered 99406-99407 for a beneficiary with a tobacco-related disease or with symptoms of one. However, the agency recently announced that under new coverage, any new smoker covered by Medicare will be able to get tobacco cessation counseling from a qualified doctor or other Medicare-approved practitioner who...more
Philadelphia Insurance Company - Strategic Analysis ReviewPhiladelphia Insurance Company (PHLY) together with its subsidiaries specializes in designing and underwriting commercial property/casualty insurance. Philadelphia Insurance Company was formerly known as Philadelphia Consolidated Holding Corp. The niche clients of the company include rental car companies, not-for-profits, health and fitness centers and day-care facilities....more
We live in a very litigious society and although most claims are dropped, dismissed or settled out of court, the fact remains that all business owners and professionals risk having their reputations marred by unhappy clients who bring claims against them. Just as all businesses require Commercial Business Insurance in California, no business should be without commercial liability insurance. A Commercial Liability Insurance Broker can help you find the right policy for your needs regardless of the type of professional service or business that you operate including, to name a few; • Contracting • Trucking • Grocery • Auto Repair • Manufacturing • Hotels and hospitality • Restaurant • Non-Profit • Retail This may sound cliché but not all commercial business insurance policies or commercial liability insurance policies are created equal. When asking for a Commercial Business Insurance Quote, California professionals need to be very clear about the type of work that they do. If you are looking to renew your commercial business insurance policy, keep in mind that your old policy may not include every type of coverage your profession may need. A...more
Do you have a plan in place to maintain your family's financial well-being if you lost your life? Paying everyday bills can be quite difficult for a suddenly single-income family, so although it is unpleasant to think of such an event, it is important to plan for it. Term life insurance is your most reliable option for protecting your family in...more
If you're attending to sell a structured insurance settlement then you're a extremely valued and extremely searched client in the financial industry. This is because payment flows such as the one you have for sale is a good investment for peoples who are seeking such financial revenues. These investors are ready to give you a lump sum...more
Rankin Manufacturing Limited is a small company based in Coventry manufacturing vehicle component parts and is covered by an ARPI policy with Industrial Risks Limited. On 5 August the claims manager of Industrial received a phone call from a director of the company indicating that the premises had burnt down that evening. What does the claims manager do? - Normally the first step for the insurer, unless he retains his own in-house loss adjuster, will be to appoint an independent loss adjuster. - The loss adjuster on talking to the police discovers that there are some mysterious circumstances surrounding the fire. - The insurer should then immediately instruct a forensic scientist. Frequently, the insurer may leave the initial investigation to the police. Unfortunately, although the police may commence the investigation enthusiastically, other more important demands may be made on their time and it is imperative that first class scientific evidence be obtained at the earliest possible date. Although, liaison with the forensic science laboratories has improved now that they have been privatised. - The insurer should then inform both the forensic scientist and the...more
If litigation does subsequently take place, after the close of pleadings each party must disclose all documents relevant to the issues in question. There are various exceptions to that rule, particularly relating to privilege. The...more
If solicitors are to be instructed at an early date, the insurer will probably have the best chance of maintaining privilege at a later date. The involvement of the solicitor in cases of potential fraud is also critical in that he will...more
As part of this investigation it is also important to investigate the past history and habits of the directors of the company. For example, have any of the directors been involved in bankruptcy or insolvency? Do they have criminal...more
As soon as the evidence has been gathered the claims manager should call a meeting of his team to decide whether the evidence justifies rejecting the claim (which has already been made by Rankin Manufacturing Ltd.) or whether, despite...more
Safety is still not an assurance even with the availability of travel insurance coverage in travelling out of a province, according to an industry representative. The medical facility you are transacting with may or may not accept payments directly...more
Auctions Online Buyers around the world, rejoice! Purchasing those hard-to-find items has become so much easier with the ease of participating in auctions online. Local auction houses just can't possibly have access to the latest designer...more