2014 Incentive Plan Policyholder Service & Support Associates and Agents
|
|
- Gloria Briggs
- 8 years ago
- Views:
Transcription
1 2014 Incentive Plan Policyholder Service & Support Associates and Agents Policyholder Service & Support All Regions CSAA Insurance Group Effective 07/01/ Oak Road, Walnut Creek, CA 94597
2 Table of Contents Page Incentive Plan Introduction 3 Eligibility 3 Incentive Plan Objective 3 Target 3 Incentive Plan Measurement Periods Monthly Bonus o Leads Bonus Component o When there are no QM Lead Question Opportunities o Monthly Bonus Calculation Scenarios Quarterly Bonus 7 Definitions 7 2
3 Incentive Plan Introduction This 2014 Policyholder Service & Support Associate and Agent Incentive Plan ( Incentive Plan ) is effective July 1, 2014 and will continue until amended, replaced and/or withdrawn by CSAA Insurance Group ( CSAA IG ). It supersedes and replaces any and all previous incentive plans, whether written or oral, concerning incentive and/or bonus compensation paid or payable to Policyholder Service & Support ( PS&S ) Associates and Agents. This Incentive Plan may be modified in whole or in part, at any time, and from time to time, prospectively or retroactively, as CSAA IG may in its sole discretion deem advisable. Modifications to this plan may be made only by the CSAA IG Executive or the Chief Administrative Officer. Any approved changes to this Incentive Plan may be announced and distributed by , and affected PS&S Associates and Agents will be notified as soon as feasible. CSAA IG may transfer or assign its obligations under this Incentive Plan, at its discretion. CSAA IG nevertheless may, from time to time, sponsor or sanction additional incentive programs ( contests ) with specific objectives, eligibility criteria and rules describing the incentives available to the qualifiers for a particular performance period. Such contests will be described in separate communications. Eligibility Employees who are active, full-time PS&S Associates and Agents (job codes: AF19A2, AF19A3, AF19A4 & AF20A3) and in Good Standing, as well as those who have completed nesting and are in their first full month of production and are in Good Standing, are eligible to participate in the components of this Incentive Plan. Eligibility for this Incentive Plan precludes eligibility under any other incentive plan, including, without limitation, the Annual Incentive Plan ( AIP ). Incentive Plan Objective PS&S is committed to achieving the 2014 Policyholder Experience Score Goal. In support of this effort, the Incentive Plan will use the PS&S Associate s or Agent s Policyholder Experience Score as the key bonus driver. In addition, Associates and Agents can earn incentives from the Leads Bonus Component (Leads Generated or the Lead Quality Management Question), which supports the growth of new business revenue. Target Target refers to the monthly and/or quarterly Policyholder Experience Score (PHE) and Qualified Lead Generation required by each PS&S Associate or Agent to qualify for bonus. CSAA IG reserves the right to increase the Target(s) at any time, as CSAA IG may in its sole discretion deem advisable, should: significant improvements to the sales and/or service process be introduced; additional marketing avenues/tools/programs be launched or implemented; or the staff of full-time PS&S Associates and Agents significantly change. Incentive Plan Measurement Periods Incentive Component Measurement Period Page Monthly Bonus Monthly 4 Quarterly Bonus Quarterly 6 3
4 Monthly Bonus The Incentive Plan offers PS&S Associates and Agents an additional earning opportunity each month from two Monthly Bonus components: Policyholder Experience (PHE) Score and Leads. The Monthly Bonus is computed using an employee s overall PHE Score for the month plus either the dollar amount the employee generates each month from Qualified s or by asking the QM Lead Question. Policyholder Experience (PHE) Bonus PS&S Associates and Agents can earn a PHE bonus based on their overall PHE score for the month. The amount of the bonus for a given month is the amount associated with the associate s or agent s PHE score, as noted in the following chart. Policyholder Experience Score Bonus Schedule Monthly Overall PHE Score Bonus Amount 100 $ $ $ (Target) $ Less than 80 Eligible for Lead/QM Lead Question bonus only Not eligible for a bonus Leads Bonus Component Employees can earn a bonus for Leads from either the formula or the QA Lead Questions formula, whichever bonus amount is greater. Formula Product Bonus Per Qualifying Lead Auto/Home $4 Non-Auto/Non-Home $1 4
5 QM Lead Question Formula Formula Formula is a ratio: The number of passing scores on this question divided by the total number of evaluations. Multiply that number by the Lead Target Bonus Lead Bonus Target $40 Lead QM Question Examples: 1) An employee has four evaluations in a month and gets a passing score on the QM Lead Question all four times, so the ratio is 1. The bonus would be $40 (1 x $40). 2) An employee has four evaluations in a month and gets a passing score on the QM Lead Question two times, so the ratio is 1/2. The bonus would be $20 (0.50 x $40). In either example, if the employee generated leads that totaled more than what the Lead QM Question Formula would be, the employee will earn that higher amount. When there are no QM Lead Question opportunities Employees who do not have many lead generation or QM Lead Question opportunities (for instance, their evaluated calls were from club or independent agents) will participate in the bonus under a Modified Policyholder Experience Score Bonus Schedule. The modified schedule rolls the Lead Target Bonus amount into the PHE Score Bonus so that employees have an opportunity to earn their full complement of Target Bonus. Modified Policyholder Experience Score Bonus Schedule PHE Score Bonus Amount 100 $ $ $ (Target) $ Less than 80 Lead/QM Lead Question bonus only Not eligible for a bonus 5
6 Monthly Bonus Calculation Scenarios To keep comparisons similar, the employee s PHE score in all scenarios is 85 (Target). 1) Employee earned $52 in generated leads, which is greater than the QM Lead Question Formula amount would be. 85 $75 $52 $127 2) Employee earned $26 in generated leads, but had a ratio of 1 for the QM Lead Question Formula, which would be $40. Therefore, the bonus amount would be $40 (the greater of the two amounts). QM Lead Question 85 $75 $40 $115 3) Employee earned $36 in Leads Generation, but had a ratio of ¾ (0.75) for the QM Lead Question Formula, resulting in an amount of $30. Therefore, the bonus amount would be $36 (the higher of the two). 85 $75 $36 $111 4) All of the employee s evaluations were on calls with club and independent agents, with no opportunities to generate leads or ask the QM Lead Question. This situation warrants using the Modified Policyholder Experience Score Bonus Schedule. using Modified Schedule 85 $115 N/A $115 5) The employee earned $48 in leads but also had a number of calls that were with club and independent agents. Two of the employee s evaluated calls were with agents, with no opportunities to generate leads or ask the QM Lead Question, and the other two were on policyholder calls in which the agent asked the lead question. The ratio for those two calls was 1, so the employee earns the $48, since that amount is greater than the $40 threshold. 85 $75 $48 $123 If the employee had earned only $32 in leads, then the QM Lead Question Formula would have applied, since it is more. 6
7 Quarterly Bonus The Incentive Plan offers an additional earning opportunity each quarter from the Quarterly Bonus component. The top 15 performers across all sites will each earn a quarterly bonus of $500. To be eligible, employees must generate an overall average PHE Score of 90 or better for each month in the quarter. In the event of a tie, the tying employees lowest monthly PHE scores during the quarter will be compared. The employee with the higher score of the lowest monthly scores will be awarded the bonus. Example: Employee A has scores of 94, 92 and 95 in a quarter, for a total of 281. Employee B has scores of 95, 95 and 91, also for a total of 281. Definitions Employee A s lowest score is 92, which is higher than Employee B s lowest score of 91. Therefore, the Employee A would be awarded the bonus. Auto/Home Leads Leads generated by a PS&S Associate or Agent that result in a quote for a AAA customer for the following products: Select Auto, Signature Series Auto, IIB Homeowners (HO-3), Preferred Homeowners (HO-5) Good Standing A PS&S Associate or Agent who has not been placed on any type of corrective action is considered in good standing. An Associate or Agent placed on corrective action during the three (3) month period beginning with the corrective action will not be eligible to earn, be paid or receive bonuses or recognition under this Incentive Plan, or elsewhere, as Good Standing is a condition to earning any component of this Incentive Plan and any contest. Nesting Nesting is a transitional training period that follows formal classroom training. Agents take live calls under the guidance of a monitor and are coached for development and support. Non-Auto/Non-Home Leads Leads generated by a PS&S Associate or Agent that result in a quote for a AAA customer for any incented product, sold by CSAA IG sales agents, that is not considered a Tier 1 product. Examples include Renter s Insurance (HO-4), Earthquake, Flood, Personal Umbrella Policies and Specialty products. Policyholder Experience Score The score a PS&S Associate or Agent earns under the Policyholder Experience QA Evaluation program. In most circumstances, QA will use four evaluations each month to calculate the Policyholder Experience Score. QM Lead Question Essentially, offering another product and generating a lead (see also Qualifying Leads below). The QM Leads Question score looks at the following elements on an evaluation: Was the opportunity to offer the caller a quote available? If the opportunity was available, did the agent offer the caller a quote? Was the quote offered appropriate to the caller s needs? Qualifying Leads Leads generated by a PS&S Associate or Agent that result in a quote being issued to a AAA customer or member from a licensed, qualified, and eligible AAA sales agent. (2) Back to Monthly Bonus page (4) Back to Introduction page (3) Back to Monthly Bonus Calculation Scenarios page (6) 7
University of Colorado Health Performance Incentive Compensation Plan Plan Summary Fiscal Year 2014 Staff/Managers/Directors
University of Colorado Health Performance Incentive Compensation Plan Plan Summary Fiscal Year 2014 Staff/Managers/Directors Plan Purpose The University of Colorado Health provides outstanding patient
More informationSupplemental Directive 12-01 February 16, 2012
Supplemental Directive 12-01 February 16, 2012 Making Home Affordable Program Principal Reduction Alternative and Second Lien Modification Program Investor Incentives Update In February 2009, the Obama
More informationRetirement Plan Comparison Chart
Feature Solo Basic plan type SIMPLE Profit Sharing SEP IRA SIMPLE IRA Who adopts Corporations, companies no common law corporations 100 or fewer corporations and small businesses 100 or fewer Can sponsor
More informationS-4504.1 SUBSTITUTE SENATE BILL 6252. State of Washington 61st Legislature 2010 Regular Session
S-4504.1 SUBSTITUTE SENATE BILL 6252 State of Washington 61st Legislature 2010 Regular Session By Senate Labor, Commerce & Consumer Protection (originally sponsored by Senators Kohl-Welles, Kline, and
More informationSavings Incentive Match Plan for Employees of Small Employers (SIMPLE) Not for Use With a Designated Financial Institution
Form 5304-SIMPLE (Rev. March 2012) Department of the Treasury Internal Revenue Service Name of Employer Savings Incentive Match Plan for Employees of Small Employers (SIMPLE) Not for Use With a Designated
More informationSavings Incentive Match Plan for Employees (SIMPLE) For Use with a Non-DFI IRS Model Form 5304-SIMPLE
Savings Incentive Match Plan for Employees (SIMPLE) For Use with a Non-DFI IRS Model Form 5304-SIMPLE Form 5304-SIMPLE (Rev. August 2005) Department of the Treasury Internal Revenue Service Savings Incentive
More informationRVU BASED PHYSICIAN COMPENSATION AND PRODUCTIVITY
RVU BASED PHYSICIAN COMPENSATION AND PRODUCTIVITY Ten Recommendations for Determining Physician Compensation/Productivity Through Relative Value Units 2011 Merritt Hawkins 5001 Statesman Drive Irving,
More informationSIMPLIFIED EMPLOYEE PLAN
SIMPLIFIED EMPLOYEE PLAN SIMPLIFIED EMPLOYEE PENSION PLAN AGREEMENT ARTICLE I Adoption and Purpose of Plan 1.01 Adoption of Plan: By completing and signing the Adoption Agreement, the Employer adopts the
More informationSales Compensation and Incentives
Sales Compensation and Incentives Question: What are the goals of a compensation plan? Goals of Compensation Motivate AE s to exceed revenue targets Motivate sales of multiple products Drive sales behavior
More informationTRUTH IN SAVINGS DISCLOSURE STATEMENT
TRUTH IN SAVINGS DISCLOSURE STATEMENT This brochure, including any individual account information brochures that accompany this brochure, is intended to provide you with information about one or more accounts
More informationContents. Introduction. Definitions. Partner Program Structure. Silver Partner. Gold Partner. Platinum Partner. Deal Registration.
Program Guide Contents Introduction 3 Definitions 4 Partner Program Structure 5 Silver Partner Gold Partner Platinum Partner Deal Registration 9 Channel Marketing 10 Specialty Licenses 11 Other Considerations
More informationADOPTION AGREEMENT FOR NATIONWIDE GOVERNMENTAL 401(A) PLAN
ADOPTION AGREEMENT FOR NATIONWIDE GOVERNMENTAL 401(A) PLAN CAUTION: Failure to properly fill out this Adoption Agreement may result in disqualification of the Plan. EMPLOYER INFORMATION (An amendment to
More informationPROTOTYPE SIMPLIFIED EMPLOYEE PROTOTYPE PLAN
PROTOTYPE SIMPLIFIED EMPLOYEE PROTOTYPE PLAN PROTOTYPE SIMPLIFIED EMPLOYEE PENSION PLAN AGREEMENT ARTICLE I Adoption and Purpose of Plan 1.01 Adoption of Plan: By completing and signing the Adoption Agreement,
More informationSEP and SEP PLUS SIMPLIFIED EMPLOYEE PENSION PROGRAMS
SEP and SEP PLUS SIMPLIFIED EMPLOYEE PENSION PROGRAMS PLAN DOCUMENTS, DISCLOSURE STATEMENTS AND EMPLOYER S ADOPTION AGREEMENTS CONTENTS SEP PROGRAM SEP PLUS PROGRAM is for use on or after January 1, 2002
More informationFriends Life Investment Bond Guide. Provided by: Brought to you by:
Friends Life Investment Bond Guide Provided by: Brought to you by: Investment Bond Guide CONTENTS Contents Introducing our Investment Bond 3 Investment Bond charges 4 Investment funds 6 Managing your Investment
More informationMembership Agreement CASH PAYMENTS ARE NOT ACCEPTED
Membership Print Membership Agreement CASH PAYMENTS ARE NOT ACCEPTED CLIENT TERM AGREEMENT This CLIENT TERM AGREEMENT ( Agreement ) is made and effective upon clicking submit by and between Cheap Delete
More informationAcquisition & Assistance Policy Directive (AAPD)
Acquisition & Assistance Policy Directive (AAPD) From the Director, Office of Acquisition & Assistance Issued: January 08, 2010 AAPD 10-01 PERSONAL SERVICES CONTRACTS -- CHANGES IN USG REIMBURSEMENT AMOUNTS
More informationHOUSE BILL NO. HB0065. Sponsored by: Joint Labor, Health and Social Services Interim Committee A BILL. for
00 STATE OF WYOMING 0LSO-00 HOUSE BILL NO. HB00 Unemployment insurance-tax operations. Sponsored by: Joint Labor, Health and Social Services Interim Committee A BILL for AN ACT relating to unemployment
More informationAllstate ChoiceRate Annuity
Allstate ChoiceRate Annuity Allstate Life Insurance Company P.O. Box 80469 Lincoln, NE 68501-0469 Telephone Number: 1-800-203-0068 Fax Number: 1-866-628-1006 Prospectus dated May 1, 2008 Allstate Life
More informationTRUTH IN SAVINGS DISCLOSURE STATEMENT
TRUTH IN SAVINGS DISCLOSURE STATEMENT This brochure, including any individual account brochures that accompany this brochure, is intended to provide you with information about one or more accounts offered
More informationDEALER EMPLOYMENT AND LOAN/SCHOLARSHIP REPAYMENT AGREEMENT
Use of this document is subject to the terms and conditions of The AED Foundation s Downloaded Website Information and Document Disclaimer shown at the end of this template agreement. DEALER EMPLOYMENT
More informationSales Compensation Plan Policies and Guidelines
SalesManagement.org Sales Compensation Plan Policies and Guidelines A selection of policies from various companies, sales positions, and compensation plans Updated November 2010 Sales Compensation Plan
More informationFederal Discount Rate FY 2003
Federal Discount Rate FY 2003 Project Evaluation and Formulation Rate (Discount Rate): FY 2003 5-7/8 % The Principles and Guidelines states: "Discounting is to be used to convert future monetary values
More informationInsurance Producer Agreement
Insurance Producer Agreement THIS AGREEMENT ( Agreement ) is made and entered into on this day of. (the Effective Date ), by and between KPS Health Plans (hereinafter referred to as KPS ), a duly licensed
More informationEXPERIENCE EXPLOSIVE GROWTH!
EXPERIENCE EXPLOSIVE GROWTH! InsuranceProducers Network M Tired of closing 1 out of 10 prospects? M Frustrated with company rate increases that drive customers away? M Sick of turning business away because
More informationST. JOHN S UNIVERSITY DEFINED CONTRIBUTION RETIREMENT PLAN (JANUARY 1, 2015 RESTATEMENT)
ST. JOHN S UNIVERSITY DEFINED CONTRIBUTION RETIREMENT PLAN (JANUARY 1, 2015 RESTATEMENT) INTRODUCTION This document is both the formal document that constitutes the St. John s University Defined Contribution
More informationNAIFA Fact Sheet: DOL Expands Fiduciary Definition
NAIFA Fact Sheet: DOL Expands Fiduciary Definition The Department of Labor (DOL) has released its long anticipated Proposed Regulation to Address Conflicts of Interest, and is accepting public comments
More informationThe. LTCI Claims. Experience
The LTCI Claims Experience Understanding the Differences What is the difference between a long term care insurance claim and other types of insurance claims? The answer lies in the purpose of the insurance.
More informationIrwin Mortgage Corporation Short Term Incentive Plan
Irwin Mortgage Corporation Short Term Incentive Plan 1. Purpose The purpose of the Irwin Mortgage Corporation Short Term Incentive Plan is to support the achievement of the Company's business and financial
More informationReference Document: August 2005 ADVISOR DISCLOSURE
Canadian Life and Health Insurance Association Inc. Association canadienne des compagnies d assurances de personnes inc. Reference Document: August 2005 ADVISOR DISCLOSURE When a consumer is considering
More informationHUMAN RESOURCES & COMPENSATION COMMITTEE CHARTER
HUMAN RESOURCES & COMPENSATION COMMITTEE CHARTER DATE OF ISSUE: VERSION NO.: 4 PROCEDURES: None North American Energy Partners Inc. HUMAN RESOURCES & COMPENSATION COMMITTEE CHARTER 1. PURPOSE The Board
More informationMember COMPENSATION PLAN
Member COMPENSATION PLAN January 1, 20131 - United States LIFE is a direct selling company that provides a compensation plan to its Members that allows them to earn income based on the sales of LIFE products
More informationCALIFORNIA EARTHQUAKE AUTHORITY. Financial Statements. December 31, 2001 and 2000. (With Independent Auditors Report Thereon)
Financial Statements (With Independent Auditors Report Thereon) Three Embarcadero Center San Francisco, CA 94111 Independent Auditors Report The Board of Directors California Earthquake Authority: We have
More informationBEFORE THE INSURANCE COMMISSIONER OF THE STATE OF CALIFORNIA
CALIFORNIA DEPARTMENT OF INSURANCE LEGAL DIVISION Rate Enforcement Bureau Nikki S. McKennedy, Bar No. Fremont Street st Floor San Francisco CA Telephone: -- Facsimile: -0-0 Email: Nikki.McKennedy@insurance.ca.gov
More informationNew Jersey Pre Signature Series to Signature Series Changes
Pre Signature Series Signature Series Key Differences AAA Loyal Member AAA Membership This discount is calculated based on the membership tenure of the policyholder provided they are an active member of
More informationINVESTMENT MANAGEMENT AGREEMENT
6100 Colwell Blvd., Suite 250 Irving, Texas 75039 214-522-3155 or 800-955-3155 INVESTMENT MANAGEMENT AGREEMENT NOT FOR PERSONAL ACCOUNTS FOR INDIVIDUALS FOR USE BY CHURCHES AND OTHER CHARITABLE INSTITUTIONS
More informationTEXAS FAIR PLAN PRODUCER REQUIREMENTS AND PERFORMANCE STANDARDS
Producer Requirements Page 1 TEXAS FAIR PLAN PRODUCER REQUIREMENTS AND PERFORMANCE STANDARDS The following Texas FAIR Plan Association ( Association ) requirements and producer performance standards (
More informationTEAM COMPENSATION PLAN
TEAM COMPENSATION PLAN MILLION DOLLAR BODY S TEAM COMPENSATION PLAN has been designed to reward Independent Million Dollar Body Coaches for sharing our products, services, and income opportunity with others.
More informationShort Term Disability Insurance Coverage paid by you
Short Term Disability Insurance Coverage paid by you Eligibility All active, full-time U.S. Employees, who are regularly working a minimum of 30 hours per week. Weekly Benefit 60% of your weekly earnings
More informationSUPPLEMENTAL RETIREMENT PLAN II
Summary Plan Description SUPPLEMENTAL RETIREMENT PLAN II Plan Highlights 2015 Table of Contents INTRODUCTION... 1 Qualified Versus Nonqualified Retirement Plans... 1 Governmental Limits... 1 ELIGIBILITY...
More informationManual of Publicly Available Telephone Interpretations
SEC Division of Corporation Finance Manual of Publicly Available Telephone Interpretations N. PROXY RULES AND SCHEDULE 14A 1. Proxy Rules A cooperative subject to the Exchange Act has a procedure for sending
More informationThe University of California Office of the Chief Investment Officer Annual Incentive Plan (AIP) For Plan Year July 1, 2015 through June 30, 2016
The University of California Office of the Chief Investment Officer Annual Incentive Plan (AIP) For Plan Year July 1, 2015 through June 30, 2016 Plan Purpose Under the authority granted by The Board of
More informationIn accordance with authority previously delegated by the Regents, interim or concurrence action was taken on routine or emergency matters as follows:
REPORT OF INTERIM Office of the Secretary and Chief of Staff July 18, 2013 TO THE REGENTS OF THE UNIVERSITY OF CALIFORNIA: INFORMATION ITEM Report of Actions Taken Between Meetings In accordance with authority
More informationCOUNTY OF SAN DIEGO, CALIFORNIA BOARD OF SUPERVISORS POLICY
I-136 1 of 10 Purpose In compliance with Section 53312.7 of the Government Code, the County of San Diego (County) has developed the following Goals and Policies where special taxes may be levied within
More informationINDEPENDENT CONSULTANT EARN COMMISSIONS ASCENSION TO RANKS FOUNDER S CLUB GLOSSARY OF TERMS
C O M P E N S A T I O N P L A N 1 INDEPENDENT CONSULTANT 2 EARN COMMISSIONS 3 ASCENSION TO RANKS 4 FOUNDER S CLUB 5 GLOSSARY OF TERMS 1 INDEPENDENT CONSULTANT S E C T I O N 1 INDEPENDENT CONSULTANT IC
More informationEXPLANATION OF PEP PLAN ISSUES
EXPLANATION OF PEP PLAN ISSUES Introduction Pension Equity Plans (PEPs), or more properly PEP formulas, provide for a benefit defined as an accumulated percentage of pay. PEP formulas often closely resemble
More informationNEW YORK PREVAILING INTEREST RATE COMMITMENT
NEW YORK PREVAILING INTEREST RATE COMMITMENT THE USE OF THIS FORM IS OPTIONAL. If you use this form properly without alteration, you may assume that you are in compliance with New York State Department
More informationGeneral Manager Short and Long Term Incentive Plan. June 2009
General Manager Short and Long Term Incentive Plan June 2009 We value you and acknowledge the importance of your role as a leader of Miracle Restaurant Group in bringing our Company s mission, vision and
More informationWe are pleased to advise you that the installation of your new coverage(s) with us is now complete!
Hope Haven Development Centers 828 N 7th St Burlington, IA 52601 October 8, 2015 Group Number: KM 05931054-G Dear Roberta Barngrover: Thank you again for selecting MetLife as your Group Benefit Carrier.
More informationSupplemental Directive 10-03 March 26, 2010
Supplemental Directive 10-03 March 26, 2010 Home Affordable Modification Program Modifications of Loans Insured by the Federal Housing Administration (FHA) Background In Supplemental Directive 09-01, the
More informationDecember 18, 2012. Ella Ferris, RN, MBA St. Michael s Hospital 30 Bond Street Toronto, Ontario. Dear Ella,
December 18, 2012, RN, MBA St. Michael s Hospital 30 Bond Street Toronto, Ontario Dear Ella, I am pleased to offer you the position of Executive Vice President, Programs, Chief Nursing Executive and Chief
More informationSB0001 Enrolled - 2 - LRB098 05457 JDS 35491 b
SB0001 Enrolled LRB098 05457 JDS 35491 b 1 AN ACT concerning public employee benefits. 2 Be it enacted by the People of the State of Illinois, 3 represented in the General Assembly: 4 Section 1. Legislative
More informationHow much can I deduct if I am an active participant in a qualified plan?... 2
Table of Contents What is an Individual Retirement Account (IRA)?...................................... 1 Who may establish a Traditional IRA?............................................... 1 How much
More informationInterest Rates for Savings and Bank Accounts
Interest Rates for Savings and Bank Accounts The accounts referred to in this document are available to clients subject to eligibility. Terms apply. Please speak to your usual contact for further details.
More informationTHE PEOPLE OF THE CITY OF LOS ANGELES DO ORDAIN AS FOLLOWS:
ORDINANCE NO. An ordinance amending Chapters 10 and 11 of Division 4 of the Los Angeles Administrative Code to transfer current members of Tier 2 of the Los Angeles City Employees Retirement System (LACERS)
More informationUnderstanding Citizens Assessments. A review of assessments based on Florida Law
Understanding Citizens Assessments A review of assessments based on Florida Law Effective July 1, 2008 Course objective Understand the assessment mechanism as it relates to Citizens accounts. 2 Three Separate
More informationSuper Accelerator. Supplementary Product Disclosure Statement. 2 April 2015. Issuer/trustee details: netwealth Investments Limited
Super Accelerator Supplementary Product Disclosure Statement 2 April 2015 Issuer/trustee details: netwealth Investments Limited Level 8/52 Collins Street MELBOURNE VIC 3000 ABN 85 090 569 109 AFSL 230975
More informationNotice to All Employees Eligible to Participate in the Halliburton Retirement and Savings Plan
Notice to All Employees Eligible to Participate in the Halliburton Retirement and Savings Plan Halliburton Company (the Company ) has made saving for retirement under the Halliburton Retirement and Savings
More informationINVESTMENT ADVISORY AGREEMENT
INVESTMENT ADVISORY AGREEMENT Ceera Investments, LLC ( Adviser ), a registered investment adviser under the Investment Adviser s Act of 1940 (the "Adviser s Act") agrees to act as an investment adviser
More informationPolicies and Procedures Manual
University of Cincinnati Division of Administration and Finance Policies and Procedures Manual Broadband Program For Project Management Architects Planners Engineers Project Managers Directors Contents
More informationHuman Resource Services
Human Resource Services February 28, 2012 Agenda March 13,2012 Lakeside Plaza Building 1405 Lakeside Drive Oakland, CA 94612-4305 TDD: (510) 272-3703 Honorable Board of Supervisors County of Alameda 1221
More informationMEMORIAL SCHOLARSHIP A CBA
presents the Julian & 2016 MEMORIAL SCHOLARSHIP Jan Hester A CBA Leadership Division Initiative A Scholarship to Assist Deserving High School Seniors in their First Year of College Summary The goal of
More informationEXECUTIVE CHANGE IN CONTROL REPORT 2013 / 2014
EXECUTIVE CHANGE IN CONTROL REPORT 2013 / 2014 ANALYSIS OF EXECUTIVE CHANGE IN CONTROL ARRANGEMENTS OF THE TOP 200 COMPANIES Prepared By The Compensation and Benefits Practice of Alvarez & Marsal Taxand,
More informationSchwab SEP-IRA Basic Plan Document
Schwab SEP-IRA Basic Plan Document Table of Contents This document contains the legal provisions of your Schwab SEP-IRA Plan. Please keep it in a place where you can easily find and refer to it. Definitions.......................................................
More informationSmart strategies for maximising retirement income
Smart strategies for maximising retirement income 2010 Why you need to create a life-long income Australia has one of the highest life expectancies in the world and the average retirement length has increased
More informationAppendix 3B. Introduced 01/07/96 Origin: Appendix 5 Amended 01/07/98, 01/09/99, 01/07/00, 30/09/01, 11/03/02, 01/01/03, 24/10/05, 01/08/12
Appendix 3B Rule 2.7, 3.10.3, 3.10.4, 3.10.5, application for quotation of additional securities and agreement Information or documents not available now must be given to ASX as soon as available. Information
More informationPUBLIC SAFETY COMMUNITY
PROTECTION. AT YOUR SERVICE. AUTO HOME BOAT MOTORCYCLE RV Dedicated to the PUBLIC SAFETY COMMUNITY and their families (866) 942-9822 StarAndShield.com It s a wonderful thing to have Star & Shield LOOKING
More informationBusiness Overhead Expense. Disability Insurance. Petersen. International Underwriters
Business Overhead Expense Disability Insurance Petersen International Underwriters Business Overhead Expense Unfortunately, there is not a switch with which one can turn off business expenses at a time
More informationEarning for Today and Saving for Tomorrow. Retirement Savings Plan 401(k) inspiring possibilities
Earning for Today and Saving for Tomorrow Retirement Savings Plan 401(k) inspiring possibilities Retirement Savings Plan 401(k) Advocate Health Care Network offers the Advocate Health Care Network Retirement
More informationRBC BANK CREDIT CARD DISCLOSURES AND CARDHOLDER AGREEMENT
RBC BANK CREDIT CARD DISCLOSURES AND CARDHOLDER AGREEMENT INTEREST RATES AND INTEREST CHARGES Summary of Credit Terms Visa Signature Rewards Visa Platinum Rewards Visa Signature Rewards Plus Visa Platinum
More informationD ISABILITY I NCOME I NSURANCE
D ISABILITY I NCOME I NSURANCE SAMPLE DOCUMENTS QUALIFIED SICK PAY PLAN For Producers Only Sample Corporate Resolution (Excerpt from the ABC Company s Corporate Minutes Containing a Board Resolution Adopting
More informationUnderstanding Plan Fees and Expenses
Understanding Plan Fees and Expenses Susan M. Wright, CPA, APM Executive Director, Consulting Topics of Discussion Fiduciary Responsibilities Settlor vs. Non-settlor Expenses Revenue Holding Accounts Questions
More informationMARYLAND LAWS AND REGULATIONS ON INSURANCE PREMIUM
MARYLAND LAWS AND REGULATIONS ON INSURANCE PREMIUM LAWS: 27-601. (a) In this subtitle the following words have the meanings indicated. (b) (1) Commercial insurance means property insurance or casualty
More informationFor personal use only
Rule 2.7, 3.10.3, 3.10.4, 3.10.5, application for quotation of additional securities and agreement Information or documents not available now must be given to ASX as soon as available. Information and
More informationDEPARTMENT OF THE TREASURY WASHINGTON, D.C. 20220. June 16, 2014
DEPARTMENT OF THE TREASURY WASHINGTON, D.C. 20220 June 16, 2014 Mr. James J. Duffy Chief Human Resources Officer Ally Financial Inc. 1177 Avenue of the Americas New York, NY 10036 Re: Proposed Compensation
More informationCONSUMER S GUIDE TO AUTO INSURANCE
CONSUMER S GUIDE TO AUTO INSURANCE The Colorado Division of Insurance prepares this booklet to assist you in shopping for auto insurance and to help you understand your Personal Auto Policy. When shopping
More informationLONG-TERM DISABILITY BENEFITS
How do We define Total Disability? LONG-TERM DISABILITY BENEFITS If the institutions are in session, Total Disability or Totally Disabled means that during the first 24 consecutive months of benefit payments
More informationIIPRC-A-05-I. INDIVIDUAL IMMEDIATE NON-VARIABLE ANNUITY CONTRACT STANDARDS (Including contracts used to fund structured settlement agreements)
IIPRC-A-05-I INDIVIDUAL IMMEDIATE NON-VARIABLE ANNUITY CONTRACT STANDARDS (Including contracts used to fund structured settlement agreements) 1. Date Adopted: June 12, 2009 2. Purpose and Scope: The purpose
More informationRetirement Plan for Bargaining Unit Employees of Florida Progress Corporation
Document title: AUTHORIZED COPY Retirement Plan for Bargaining Unit Employees of Florida Progress Corporation Document number: HRI-PGNF-00013 Applies to: Keywords: Progress Energy Florida, Inc. (bargaining
More informationSolarize Dummerston RFP
Solarize Dummerston is requesting proposals from Installer(s) willing to provide pricing for a group purchase rate of photovoltaic (PV) systems in conjunction with the Solarize Dummerston Program in Dummerston
More informationOhio Third Frontier Technology Validation and Start-Up Fund
Ohio Third Frontier Technology Validation and Start-Up Fund Calendar Year 2014 Request for Proposals (RFP) RFP Released June 18, 2014 Cycle 2: o Written Questions through July 30, 2014 o Technology Transfer
More informationManaging Employer Fiduciary Issues for 401k and 403b Plan Sponsors in 2013
Managing Employer Fiduciary Issues for 401k and 403b Plan Sponsors in 2013 Questions and Answers from Verisight s Presentation, January 30 th, 2013 What is the difference between a qualified plan and a
More informationFinancial Statements Together with Report of Independent Certified Public Accountants FJC. March 31, 2015 and 2014
Financial Statements Together with Report of Independent Certified Public Accountants FJC TABLE OF CONTENTS Page Report of Independent Certified Public Accountants 1-2 Financial Statements Statements of
More informationYoung Living Terms and Definitions for the Compensation Plan
Young Living Terms and Definitions for the Compensation Plan Sales Organization: Also known as a downline, this encompasses all members located beneath a particular distributor. This includes the distributor
More informationPioneer Investments Retirement Plans
SEP Step-By-Step It s Easy to Open a Pioneer SEP-IRA Account 1. Complete the Pioneer SEP Adoption Agreement in this booklet. (Keep the form for your records; you do not need to file it with the IRS.) 2.
More informationSingle Life Relevant Life Policy Terms and Conditions. Reference BGR/6751/AUG10-P
Single Life Relevant Life Policy Terms and Conditions Reference BGR/6751/AUG10-P Contents Page Definitions 3 1 The single life benefit 4 2 Commencement of cover 3 Claims 4 Free cover level 5 Premiums 5
More information318 CYE 16 ARIZONA LONG TERM CARE SYSTEM ELDERLY AND PHYSICAL DISABILITY PROGRAM VALUE-BASED PURCHASING INITIATIVE
318 CYE 16 ARIZONA LONG TERM CARE SYSTEM ELDERLY AND PHYSICAL DISABILITY PROGRAM VALUE-BASED PURCHASING INITIATIVE EFFECTIVE DATE: 10/01/15 REVISION DATE: 06/11/15 STAFF RESPONSIBLE FOR POLICY: DHCM FINANCE
More informationHow We Compensate Our Investment Professionals
How We Compensate Our Investment Professionals Since Charles Schwab & Co., Inc. ( Schwab ) was founded more than 40 years ago, we ve been committed to serving the needs of individual investors. One of
More informationNEW YORK INTEREST RATE LOCK COMMITMENT
NEW YORK INTEREST RATE LOCK COMMITMENT THE USE OF THIS FORM IS OPTIONAL. If you use this form properly without alteration, you may assume that you are in compliance with New York State Banking Department
More informationRoD Canada 50 Tracking Index Methodology July 2014
RoD Canada 50 Tracking Index Methodology July 2014 Table of contents Introduction Introduction 3 Eligibility Criteria Additions RoD Canada 50 4 Deletions RoD Canada 50 5 Timing of Changes 6 Index Construction
More informationA Flexible Retirement Plan for the Self-Employed
Solo(k) A Flexible Retirement Plan for the Self-Employed What Is a Solo(k)? A Solo(k) plan is a retirement plan created specifically for self-employed individuals.1 It affords the q I am a partner in a
More informationSAFETY INSURANCE GROUP MASSACHUSETTS PERSONAL AUTO MANUAL
SAFETY INSURANCE GROUP MASSACHUSETTS PERSONAL AUTO MANUAL We know it s a competitive world out there, so here are some highlights of what Safety Insurance Group could offer the insured*: DISCOUNTS: 1.
More informationFANSHAWE COLLEGE POLICY MANUAL TITLE: PERFORMANCE PLANNING, REVIEW AND COMPENSATION ADJUSTMENT - ADMINISTRATIVE EMPLOYEES 1-B-25
1. ADMINISTRATIVE POLICIES AND PROCEDURES SECTION B -HUMAN RESOURCES TITLE: PERFORMANCE PLANNING, REVIEW AND COMPENSATION ADJUSTMENT - ADMINISTRATIVE EMPLOYEES 1-B-25 POLICY NUMBER: EFFECTIVE: 2012 04
More informationAppendix 3B. Introduced 01/07/96 Origin: Appendix 5 Amended 01/07/98, 01/09/99, 01/07/00, 30/09/01, 11/03/02, 01/01/03, 24/10/05, 01/08/12
Appendix 3B Rule 2.7, 3.10.3, 3.10.4, 3.10.5, application for quotation of additional securities and agreement Information or documents not available now must be given to ASX as soon as available. Information
More informationwww.channelmanagement.com
Exploiting the Benefits of Lead Referral Programs as a Profitable Marketing Tool WHITE PAPER Referral Programs are an increasingly popular resource for marketers to add new sources of revenue or to streamline
More information2013 Small Employer Health Care Tax Credit 1 Is Your Church or Organization Eligible?
2013 Small Employer Health Care Tax Credit 1 Is Your Church or Organization Eligible? This announcement contains important information about the Small Employer Health Care Tax Credit to help you determine
More informationHillsborough County Aviation Authority Standard Procedure S250.06 Contractual Insurance Terms and Conditions
Hillsborough County Aviation Authority Standard Procedure S250.06 Contractual Insurance Terms and Conditions PURPOSE: To establish the insurance terms and conditions associated with contractual insurance
More informationEnagic USA - The Most Powerful Pay Plan in Existence!
Enagic USA - The Most Powerful Pay Plan in Existence! Read through the following material an you will understand just why we are so excited by this company. Combined with the amazing products, Enagic USA
More informationAny questions about your benefits under the 401(k) Plan should be directed to your Human Resources representative.
Summary Plan Description Background The COUNTRY/IAA 401(k) Plan, (the Plan or the 401(k) Plan) is a defined contribution plan that provides retirement benefits. The Employee Retirement Income Security
More informationNSW Rally Competition Conditions 2015 (As Amended December 2014)
NSW Rally Competition Conditions 2015 (As Amended December 2014) 1 Eligibility 1.1 Series/Competitions 2 P a g e NSW Rally Championship / Series CAMS will allocate events that will be rounds of the following
More information