AUTO INSURANCE REPORT

Size: px
Start display at page:

Download "AUTO INSURANCE REPORT"

Transcription

1 The Authority on Insuring Personal and Commercial Vehicles Vol. 22#39/1047 INSIDE Ranking of insurers by customer satisfaction in 11 regions. Pages 3-8 New Englanders are cranky auto insurance customers, but they do love Amica. Page 5 posts biggest gain in satisfying Florida customers. Page 6 Smaller regional insurers make their mark in customer satisfaction. Page 10 THE GRAPEVINE revised IRC: Though Very Satisfied, Auto Insurance Consumers Still Shop for Better Price Though 86% of insured drivers say they are satisfied with their auto insurance company, 25% of car owners say they have shopped for new auto insurance in the past year in search of a better price, and a third have switched to a different carrier as a result, according to a new study by the Insurance Research Council. The study was based on 1,168 survey responses. Of those shoppers, 71% said they used the Internet for their research, mostly through desktop and laptop computers. We find researching auto insurance on a phone remains cumbersome, though insurers vow to improve the experience. AIR Insurers Improve Interaction Skills And Millennials Reward Them With Higher J.D. Power Young consumers have long been the least satisfied segment of auto insurance customers. In particular, young customers are especially disappointed with the way insurers make it hard for them to interact with them, especially online. Apparently, insurers have not only been listening, but they have taken enough action to improve their prospects with this all-important group, according to Valerie Monet, director of the insurance practice at J.D. Power & Associates. Thanks largely to happier young customers in Generation Y, also known as millennials, overall customer satisfaction with auto insurance rose to a record 818 (on a scale of 1,000) in the recently released J.D. Power 2015 U.S. Auto Insurance Study. among Gen Y customers has increased the most relative to the other generations,with Gen Y rising 21 points, far ahead of Gen X, up 6; Boomers, up 4; and Pre-Boomers, down 3. Critically, satisfaction with the online experience was a key driver of Gen Y s improved mood. among Gen Y customers for their online experience has increased Please see SATISFACTION on Page Overall Reaches Record High Source: J.D. Power 2015 U.S. Auto Insurance Study Magellan Isle Dana Point, CA (949)

2 Page 2 Generation J.D. Power & Associates Customer Index Ranking For Shopping Experience and Interaction by Channel Overall Overall Interaction (All Channels) Channel- Channel- CSR Agent 2015 U.S. Auto Insurance Study 2015 U.S. Shopping Study Channel- Assisted Purchase Channel- Policy Billing and Purchase Online Price Claims Distribution Website Offerings Payment Experience Channel ( /Chat) Generation Y Generation X Baby Boomers Pre- Boomers Total Source: J.D. Power 2015 U.S. Auto Insurance Study and U.S. Insurance Shopping Study. The index is based on a 1,000-point scale. SATISFACTION Continued from Page 1 the most, compared with the other generations Gen Y: 20 points; Gen X:16; Boomers 4; and Pre-Boomers: -10. That s enormously important, and raises the question: what did insurers do, if anything, to justify this change? J.D. Power and insurers are at this moment taking this new information and working to see if there is a correlation with specific actions insurers have taken to improve their interaction with younger customers. Monet said she was confident the increase was not just because of the aging of Gen Y customers (defined by J.D. Power as born between 1977 and 1994), and we tend to agree. Though Gen Y will likely get happier with their insurers as they age, one year does not a gigantic difference make. When it comes to overall satisfaction with auto insurance, it apparently helps to get older. Even with the big improvement this year, Gen Y and Gen X are still far less satisfied than their older counterparts in nearly every category. The greatest strength continues to be agent interaction, and not just with the older customers. Monet said Gen Y satisfaction with agent interaction rose 29 points. That tells us there is more to the improved interaction scores than just improved websites because few insurers could outline profound changes in the way their agents interacted with their customers in 2015 relative to For agents who are happy to let customer service reps handle most interactions, the J.D. Power data offers a sobering warning, as CSR s get only an 845, compared to 871 for agents. Skill pays. The movements in the last two years reflect the growing importance of price in overall customer satisfaction. Although interaction with insurers (agent, call center, online, etc.) remains the most important component in satisfaction with a 30% weight, that impact is down from 41% in Price, now tied for the second most important factor, has risen to a 19% weight in satisfaction, compared to just 13% in Three years ago J.D. Power significantly enhanced its research by measuring satisfaction within regions rather than looking at it solely on a national basis. The 2015 U.S. Auto Insurance Study is based on responses from 46,256 auto insurance customers. The survey data was collected in March and April. The survey does not include Alaska or Hawaii, which together represent 0.6% of national premium. There are numerous insurers that are part of the survey and incorporated in the industry averages that are not part of the charts shown here because of small sample sizes. J.D. Power has held to the view that to earn the award for highest satisfaction, insurers must offer their products to the general public. This has excluded USAA, which is far and away the most successful insurer in the United States when it comes to customer satisfaction. Though Please see SATISFACTION on Page 3 No part of this publication may be reproduced by any form or means, including photocopying, scanning, fax or , without prior permission of the Publisher. For information call (949)

3 Page 3 J.D. Power & Associates 2015 U.S. Auto Insurance Study Customer Index Ranking Central Region California Wawanesa SoCal Auto Club 839 Ameriprise Auto-Owners Shelter 830 American Family Central Avg Esurance California Avg CSAA SoCal Auto Club Farm Bureau Mutual st Century 782 Mercury Infinity 715 California represents 11.5% of U.S. personal auto 2014 direct premium written Central region: North Dakota, South Dakota, Minnesota, Nebraska, Kansas, Iowa, Missouri, Oklahoma and Arkansas, representing 8.1% of U.S. personal auto 2014 direct premium written. Source: J.D. Power 2015 U.S. Auto Insurance Study. The index is based on a 1,000-point scale. *USAA is not included in the rankings because its insurance is available only to U.S. military personnel, active and retired, and their families. SATISFACTION Continued from Page 2 USAA sells only to military personnel and their families, it is the nation s fifth-largest auto insurer, so it could be argued that it should not be excluded when its customer list is so clearly inclusive. Other insurers understandably prefer to keep USAA on the outside looking in. NJM Insurance is also a high-scoring company that is excluded from the awards because it offers insurance only to a select group. The select group is apparently large: NJM is the second largest insurer in its home state of New Jersey. California California s role as one of the least satisfied region in 2015 is a repeat from the past, but at least the current 803 is an improvement from 795 in 2014, 777 in 2013 and 785 in Wawanesa has held the top spot for all four years of the regional survey. It held only 1.4% of the market in 2014, but it is apparently a happy 1.4%. We should note market share is down slightly from 1.5% in 2013 and 2012, so the happiness is not turning into new customers., which had its troubles elsewhere, can proudly point to a second-place finish in the nation s largest market, an improvement from fourth a year ago., though large nationally, is even smaller than Wawanesa in California, with just 1.1% of premium. Please see SATISFACTION on Page 4

4 Page 4 J.D. Power & Associates 2015 U.S. Auto Insurance Study Customer Index Ranking New England Region North Central Region Auto-Owners 834 Amica 828 Country Financial Indiana Farm Bur American Family 819 New England Avg Erie Insurance Hartford MetLife 791 Safety Ins North Central Avg Grange MetLife Michigan Farm Bur 796 Mich Auto Club 794 The Hanover Plymouth Rock 777 Arbella 775 Mapfre/Commerce North Central region: Wisconsin, Illinois, Indiana, Ohio and Michigan, representing 13.5% of U.S. personal auto 2014 direct premium written USAA New England region: Connecticut, Rhode Island, Massachusetts, New Hampshire, Vermont and Maine, representing 5.1% of U.S. personal auto 2014 direct premium written. Source: J.D. Power and Associates 2015 U.S. Auto Insurance Study. The index is based on a 1,000-point scale. *USAA is not included in the rankings because its insurance is available only to U.S. military personnel, active and retired, and their families. SATISFACTION Continued from Page 3 In the only intrastate battle of its kind, AAA Southern California, ranked fifth in market share with 8.2% and third in satisfaction, is significantly ahead of the Northern California auto club (CSAA), which ranks sixth in market share with 6.7% and 10th in satisfaction. At least CSAA is growing slightly, and the satisfaction rank is improved from 13th last year. California is the largest single-state market, with 11.4% of total national premium. Central Region Powerhouse super-regional Auto-Owners and regional Shelter hold the top spots in the Central region after overtaking in As we mentioned last year, the high ranking is of particular value to Shelter, whose three biggest states are in this region, which encompasses 8.1% of the national market. The other movements of note were the downward movement of Farm Bureau Mutual of Iowa from sixth in 2013 and fifth in 2014 to 12th in 2015, and from 10th in 2014 to 15th in the most recent survey. Industrywide satisfaction in the region was steady from a year earlier at 820. North Central Region In 2015, overall satisfaction fell in only one of 11 regions: North Central, home to 13.5% of Please see SATISFACTION on Page 5

5 Page 5 J.D. Power & Associates 2015 U.S. Auto Insurance Study Customer Index Ranking Florida Southeast Region 836 TN Farm Bureau 835 Alfa MetLife Florida Avg 829 NC Farm Bureau KY Farm Bureau Southeast Avg Auto-Owners 21st Century Auto-Owners Esurance Florida represents 7.7% of U.S. personal auto 2014 direct premium written Southeast region: Kentucky, Tennessee, North Carolina, Georgia, South Carolina, Louisiana, Mississippi, and Alabama, representing 14.8% of U.S. personal auto 2014 direct premium written Source: J.D. Power and Associates 2015 U.S. Auto Insurance Study. The index is based on a 1,000-point scale. *USAA is not included in the rankings because its insurance is available only to U.S. military personnel, active and retired, and their families. SATISFACTION Continued from Page 4 the national market and surpassed only by Florida for turmoil in the satisfaction rankings. The average index for the region fell from 816 in 2014 to 808 in Although Auto-Owners has claimed the top spot for since the first regional study in 2012, the rest of the list has changed substantially. In 2015 rose to second place with an index of 828 after languishing in 7th place with an 809 in Going the other way, Grange Insurance fell all the way to 13th and an index of 806 after luxuriating in third place in 2014 with an index of 826. New England Region In the last national rankings before J.D. Power shifted to looking at satisfaction by region, Amica Mutual took home the top spot (in the non-usaa division), and ever since the regional rankings Amica has ruled in its home states. Indeed, Amica s 866 is the highest index of any insurer (non-usaa division). Amica doesn t shine because New Englanders are inherently jolly in fact New England had the lowest regional satisfaction index in the study at 801. What is more, the 51 index point gap between Amica and second place is the largest by far, and the 65-point advantage over the regional average Please see SATISFACTION on Page 6

6 Page 6 J.D. Power & Associates 2015 U.S. Auto Insurance Study Customer Index Ranking New York Southwest Region New York Avg NY Central 802 MetLife American Family Southwest Avg CSAA New York state represents 6.1% of U.S. personal auto 2014 direct premium written. 950 Southwest region: Nevada, Utah, Colorado, Arizona and New Mexico, representing 6.1% of U.S. personal auto 2014 direct premium written. Source: J.D. Power and Associates 2015 U.S. Auto Insurance Study. The index is based on a 1,000-point scale. *USAA is not included in the rankings because its insurance is available only to U.S. military personnel, active and retired, and their families. SATISFACTION Continued from Page 5 is unmatched. Clearly, Amica customers aside, New Englanders are grumpy. An excellent barometer is, with significant operations in every region. s 815 index in New England is the lowest in any of the regions (though a few are close). It s a good thing this region has just 5.1% of the national market. We don t have to worry too much about New England s bad attitude bringing everyone else down. Florida We re extremely wary of the Florida data, given that the state average satisfaction soared from 790 in 2013 to 805 in 2014 and then to a whopping 829 in 2015, which is second highest in the nation. Monet gave us a number of areas where the state improved, but there s no easy answer. The biggest puzzler is, which was the top insurer in 2014, and second in 2013, but tumbled to eighth in Hartford may have taken some actions to upset customers, but it is hard to reconcile a satisfaction score drop from 827 to 801 in a single year especially when the rest of the market is surging upward. In other words, subscribers to the J.D. Power study should dig deeply into the data before celeplease see SATISFACTION on Page 7 950

7 Page 7 SATISFACTION Continued from Page 6 brating Florida results too much. Perhaps s Florida team can cluck a little bit about rising from the ashes of a below-average score of 804 in 2014 to a market-leading 836 in Give the Gecko a few extra waxworm treats for his performance in a state with 7.7% of the national market premium. Southeast Region The Southeast region is the largest, with 14.8% of national premium. It is remarkable for having four farm bureaus all ranked above average in its eight states. The Tennessee Farm Bureau, which has been No. 1 since 2012, is joined by second-ranked Alfa (the Alabama farm bureau), the fifth-ranked North Carolina Farm Bureau and the Kentucky Farm Bureau, which dominates its home state market, ranked sixth. pulled its Lazarus act in 2015, rising from dead last and an index of 794 in 2014 to third place with an index of 830 in With the regional average rising from 816 in 2014 to 825 in 2015, the Southeast is one of only three regions where falls below average. The Southeast is also one of four regions where comes in last. Mid-Atlantic Region Erie Insurance was a darling of the national J.D. Power surveys, so it must have been hard to cede top-dog ranking in its core Mid-Atlantic region. After leading in 2012, it was supplanted in 2013 by and in 2014 by. Both times, Erie played the bridesmaid. But in 2015 the insurer by the lake regained the top spot. The region, which is home to 13.6% of U.S. premium, saw overall satisfaction rise from 806 to, one of the stronger increases. Northwest Region The smallest region with just 4.3% of the national premium, the Northwest is dominated by large insurers, with the exception of the regional J.D. Power 2015 U.S. Auto Insurance Study Customer Index Ranking Texas TX Farm Bureau Texas Avg Texas represents 8.6% of U.S. personal auto 2014 direct premium written. Source: J.D. Power and Associates 2015 U.S. Auto Insurance Study. The index is based on a 1,000-point scale. *USAA is not included in the rankings because its insurance is available only to U.S. military personnel, active and retired, and their families. PEMCO, the top-ranked insurer for satisfaction. (Fellow regional Mutual of Enumclaw falls off the list due to small sample size.) After the average satisfaction index rose 20 points in 2014, there was a much more modest 5-point gain in 2015 to 817. New York In 2013 we celebrated the wonders of small regional insurers when New York Central Mutual topped the New York market with a 814 index in a state with a 776 average. Then everyone else in the state started to improve. The state went the other way, rising modestly to an 813 Please see SATISFACTION on Page 8 No part of this publication may be reproduced by any form or means, including photocopying, scanning, fax or , without prior permission of the Publisher. For information call (949)

8 Page 8 J.D. Power & Associates 2014 U.S. Auto Insurance Study Customer Index Ranking Mid-Atlantic Region Erie PEMCO Mid-Atlantic Avg Plymouth Rock NJM Ins Co* American Family Northwest Avg st Century Northwest Region USAA Mid-Atlantic region: Pennsylvania, New Jersey, Delaware, Maryland, Washington D.C., West Virginia and Virginia, representing 13.6% of U.S. personal auto 2014 direct premium written. Northwest region: Washington, Oregon, Idaho, Montana and Wyoming, representing 4.3% of U.S. personal auto 2014 direct premium written. Source: J.D. Power and Associates 2015 U.S. Auto Insurance Study. The index is based on a 1,000-point scale. *USAA is not included in the rankings because its insurance is available only to U.S. military personnel, active and retired, and their families. **New Jersey Manufacturers Insurance Co. is not included because it is open only to New Jersey Business & Industry Association members, New Jersey state employees, NJM s previously insured drivers and previous and current policyholders. SATISFACTION Continued from Page 7 average satisfaction index, while New York Central Mutual saw its index decline to 811 in 2014 and 802 in 2015, falling to sixth of 10 ranked insurers. That s not a big collapse, but New York interrupts the small company narrative in other regions with the top five spots occupied by top10 insurers, starting with and. Southwest Region The small Southwest region, which represents 6.1% of the national market, features s only first-place ranking, though it must share that distinction with. The Southwest is also one of only two regions where ranks better than average. Industry average satisfaction rose to 824 from 817 in 2014 and 805 in Texas Texas is most definitely an unusual region, with only one insurer the Texas Farm Bureau ranked above the statewide average. The Farm Bureau satisfaction index improved 7 points to 859 while the average rose 12 points to 832. Texas features some big changes from a year ago. dropped 25 index points, falling from second place to sixth of eight ranked insurers. USAA dropped 15 points, second most in any replease see SATISFACTION on Page 10

9 Page 9 Don t leave retention to chance. Active risk management is the best bet to engage and retain profitable risk. Active risk management enables you to monitor your entire portfolio, so you can proactively engage the right policyholders at the right time as their risk profile changes. LexisNexis Active Insights makes it possible by: Collecting a wide range of data about customers from ten thousand plus resources, including public records Analyzing the data to identify and predict changes about risks in the household Enabling you to take action in real time so you can adequately price and retain existing risks To learn more, contact your account representative or visit lexisnexis.com/risk/arm Risk Solutions Insurance LexisNexis and the Knowledge Burst logo are registered trademarks of Reed Elsevier Properties Inc., used under license. Other products and services may be trademarks or registered trademarks of their respective companies. Copyright 2015 LexisNexis. All rights reserved.

10 Page 10 SATISFACTION Continued from Page 8 gion. gained 12 points to rank third. How can Texas have so few insurers above average? Only insurers with 100 or more completed surveys make the charts, and Texas insurers falling short of 100 responses had strong satisfaction indices that pulled up the statewide average. As we have seen, consumers in different regions have different views of their insurers. The most satisfied region is Texas with an index of 832, followed by Florida (829), Southeast (825), Southwest (824), Mid-Atlantic (), Central (820), Northwest (817), New York (813), North Central (808), California (803) and New England (801). For what it s worth, California had one of the biggest drops in insurance premiums in the past decade or more, yet despite the importance consumers apparently place on price, California ranks low in satisfaction. We continue to be impressed by the strength of regional brands. A top-10 U.S. auto insurer tops only three of 11 regions ( in New York and Southwest and in Florida). Four regions are led by insurers with 0.3% or less in national market share: Texas Farm Bureau in Texas with $607 million in 2014 direct premium written, Tennessee Farm Bureau with $590 million in the Southeast, Wawanesa in California with $317 million, and PEMCO Mutual in the Northwest with $264 million. Among the giants, is consistently strong, though not dominant. In 2015, the company held steady with modest performances in Texas, California, the Mid-Atlantic and Central. The strongest performances were in New York, and Southwest where was at the top or tied, and in New England and Northwest, where it ranked second. struggled in Florida, Southeast and North Central, where it fell from second in 2014 to seventh in ranks higher than in only one region, Florida, and ranks below average in five regions. That is a middling performer Established 1993 Brian P. Sullivan, Editor Telephone: (949) Leslie Werstein Hann, Managing Editor Telephone: (908) Patrick Sullivan, Associate Editor Telephone: (949) Subscription Information: (800) On the Web: Auto Insurance Report, 2015, published weekly, 48 times a year, by Risk Information Inc., Magellan Isle, Dana Point, CA It is a violation of federal law to photocopy or reproduce any part of this publication without first obtaining permission from the Publisher. ISSN: Subscription Rates: $1,087 per year in U.S. and Canada. Elsewhere $1,127 per year. in customer satisfaction is important, but s superiority to all insurers in growth, and most insurers in profit, underlines how satisfaction is only one factor of many to be considered when measuring the success of an auto insurer. Fast-growing and profitable also struggles in these rankings, exceeding the industry average in only three regions (Florida, North Central and the Southeast). The company is making progress, improving its satisfaction index in 10 regions and holding steady in the 11th. We have long contended that s customer satisfaction struggles have been tied largely to the company s significant role in the nonstandard auto market, where customers tend to pay high dollars for low coverage and face contentious claims settlement. is not alone among big insurers in its satisfaction struggles. ranks below average for customer satisfaction in eight of 11 markets.,, and rank toward the bottom in nearly every region. Clearly, many insurers still have a great deal of work to do. AIR No part of this publication may be reproduced by any form or means, including photocopying, scanning, fax or , without prior permission of the Publisher. For information call (949)

J.D. Power Reports: Auto Insurance Customer Satisfaction Declines Compared with 2012 Primarily Due to Higher Rates

J.D. Power Reports: Auto Insurance Customer Satisfaction Declines Compared with 2012 Primarily Due to Higher Rates Reports: Auto Insurance Customer Satisfaction Declines Compared with 2012 Primarily Due to Higher Rates Insurers Achieve Higher Satisfaction Scores When They Discuss Rate Increases with Customers Prior

More information

Auto-Owners Insurance and State Farm Each Rank Highest in Two of 11 Regions

Auto-Owners Insurance and State Farm Each Rank Highest in Two of 11 Regions w Reports: Improved Interactions Drive Gen Y Increase in Auto Insurance Satisfaction Auto-Owners Insurance and Each Rank Highest in Two of 11 Regions WESTLAKE VILLAGE, Calif.: 19 June 2015 Gen Y 1 customers

More information

J.D. Power Reports: Auto Insurance Satisfaction Reaches All-Time High, Fewer and Smaller Premium Increases Cited

J.D. Power Reports: Auto Insurance Satisfaction Reaches All-Time High, Fewer and Smaller Premium Increases Cited w J.D. Power Reports: Auto Insurance Satisfaction Reaches All-Time High, Fewer and Smaller Premium Increases Cited Auto-Owners Insurance, and Each Rank Highest in Two of the 11 Regions WESTLAKE VILLAGE,

More information

Three-Year Moving Averages by States % Home Internet Access

Three-Year Moving Averages by States % Home Internet Access Three-Year Moving Averages by States % Home Internet Access Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana

More information

List of State DMV Websites

List of State DMV Websites List of State DMV Websites Alabama Alabama Department of Revenue Motor Vehicle Division http://www.ador.state.al.us/motorvehicle/index.html Alaska Alaska Department of Administration Division of Motor

More information

Public School Teacher Experience Distribution. Public School Teacher Experience Distribution

Public School Teacher Experience Distribution. Public School Teacher Experience Distribution Public School Teacher Experience Distribution Lower Quartile Median Upper Quartile Mode Alabama Percent of Teachers FY Public School Teacher Experience Distribution Lower Quartile Median Upper Quartile

More information

MAINE (Augusta) Maryland (Annapolis) MICHIGAN (Lansing) MINNESOTA (St. Paul) MISSISSIPPI (Jackson) MISSOURI (Jefferson City) MONTANA (Helena)

MAINE (Augusta) Maryland (Annapolis) MICHIGAN (Lansing) MINNESOTA (St. Paul) MISSISSIPPI (Jackson) MISSOURI (Jefferson City) MONTANA (Helena) HAWAII () IDAHO () Illinois () MAINE () Maryland () MASSACHUSETTS () NEBRASKA () NEVADA (Carson ) NEW HAMPSHIRE () OHIO () OKLAHOMA ( ) OREGON () TEXAS () UTAH ( ) VERMONT () ALABAMA () COLORADO () INDIANA

More information

Changes in the Cost of Medicare Prescription Drug Plans, 2007-2008

Changes in the Cost of Medicare Prescription Drug Plans, 2007-2008 Issue Brief November 2007 Changes in the Cost of Medicare Prescription Drug Plans, 2007-2008 BY JOSHUA LANIER AND DEAN BAKER* The average premium for Medicare Part D prescription drug plans rose by 24.5

More information

NON-RESIDENT INDEPENDENT, PUBLIC, AND COMPANY ADJUSTER LICENSING CHECKLIST

NON-RESIDENT INDEPENDENT, PUBLIC, AND COMPANY ADJUSTER LICENSING CHECKLIST NON-RESIDENT INDEPENDENT, PUBLIC, AND COMPANY ADJUSTER LICENSING CHECKLIST ** Utilize this list to determine whether or not a non-resident applicant may waive the Oklahoma examination or become licensed

More information

High Risk Health Pools and Plans by State

High Risk Health Pools and Plans by State High Risk Health Pools and Plans by State State Program Contact Alabama Alabama Health 1-866-833-3375 Insurance Plan 1-334-263-8311 http://www.alseib.org/healthinsurance/ahip/ Alaska Alaska Comprehensive

More information

Chex Systems, Inc. does not currently charge a fee to place, lift or remove a freeze; however, we reserve the right to apply the following fees:

Chex Systems, Inc. does not currently charge a fee to place, lift or remove a freeze; however, we reserve the right to apply the following fees: Chex Systems, Inc. does not currently charge a fee to place, lift or remove a freeze; however, we reserve the right to apply the following fees: Security Freeze Table AA, AP and AE Military addresses*

More information

Impacts of Sequestration on the States

Impacts of Sequestration on the States Impacts of Sequestration on the States Alabama Alabama will lose about $230,000 in Justice Assistance Grants that support law STOP Violence Against Women Program: Alabama could lose up to $102,000 in funds

More information

Workers Compensation State Guidelines & Availability

Workers Compensation State Guidelines & Availability ALABAMA Alabama State Specific Release Form Control\Release Forms_pdf\Alabama 1-2 Weeks ALASKA ARIZONA Arizona State Specific Release Form Control\Release Forms_pdf\Arizona 7-8 Weeks by mail By Mail ARKANSAS

More information

Englishinusa.com Positions in MSN under different search terms.

Englishinusa.com Positions in MSN under different search terms. Englishinusa.com Positions in MSN under different search terms. Search Term Position 1 Accent Reduction Programs in USA 1 2 American English for Business Students 1 3 American English for Graduate Students

More information

BUSINESS DEVELOPMENT OUTCOMES

BUSINESS DEVELOPMENT OUTCOMES BUSINESS DEVELOPMENT OUTCOMES Small Business Ownership Description Total number of employer firms and self-employment in the state per 100 people in the labor force, 2003. Explanation Business ownership

More information

STATE DATA CENTER. District of Columbia MONTHLY BRIEF

STATE DATA CENTER. District of Columbia MONTHLY BRIEF District of Columbia STATE DATA CENTER MONTHLY BRIEF N o v e m b e r 2 0 1 2 District Residents Health Insurance Coverage 2000-2010 By Minwuyelet Azimeraw Joy Phillips, Ph.D. This report is based on data

More information

NAIC ANNUITY TRAINING Regulations By State

NAIC ANNUITY TRAINING Regulations By State Select a state below to display the current regulation and requirements, or continue to scroll down. Light grey text signifies states that have not adopted an annuity training program. Alabama Illinois

More information

Verizon Wireless Ranks Highest in Wireless Network Quality Performance in Five Regions; AT&T Ranks Highest in One Region

Verizon Wireless Ranks Highest in Wireless Network Quality Performance in Five Regions; AT&T Ranks Highest in One Region Reports: Tablet and Mobile Broadband Devices Generate Increased Data Quality Issues as Usage Patterns and Customer Expectations Impact Problem Incidence Ranks Highest in Wireless Network Quality Performance

More information

Facing Cost-Sensitive Shoppers, Health Plan Providers Must Demonstrate Value

Facing Cost-Sensitive Shoppers, Health Plan Providers Must Demonstrate Value w Reports: Health Insurance Marketplace Exchange Enrollment Satisfaction Improves Significantly in Second Year Facing Cost-Sensitive Shoppers, Health Plan Providers Must Demonstrate Value WESTLAKE VILLAGE,

More information

Net-Temps Job Distribution Network

Net-Temps Job Distribution Network Net-Temps Job Distribution Network The Net-Temps Job Distribution Network is a group of 25,000 employment-related websites with a local, regional, national, industry and niche focus. Net-Temps customers'

More information

J.D. Power Reports: Strong Network Quality Performance Is Key to Higher Customer Retention for Wireless Carriers

J.D. Power Reports: Strong Network Quality Performance Is Key to Higher Customer Retention for Wireless Carriers Kw J.D. Power Reports: Strong Network Quality Performance Is Key to Higher Customer Retention for Wireless Carriers Ranks Highest in Wireless Network Quality Performance in All Six Regions WESTLAKE VILLAGE,

More information

Percent change. Rank Most expensive states Average expenditure Rank Least expensive states Average expenditure

Percent change. Rank Most expensive states Average expenditure Rank Least expensive states Average expenditure Page 1 of 7 Auto Insurance AAA s 2010 Your Driving Costs study found that the average cost to own and operate a sedan rose by 4.8 percent to $8,487 per year, compared with the previous year. Rising fuel,

More information

J.D. Power and Associates Reports: Overall Wireless Network Problem Rates Differ Considerably Based on Type of Usage Activity

J.D. Power and Associates Reports: Overall Wireless Network Problem Rates Differ Considerably Based on Type of Usage Activity Reports: Overall Wireless Network Problem Rates Differ Considerably Based on Type of Usage Activity Ranks Highest in Wireless Network Quality Performance in Five Regions WESTLAKE VILLAGE, Calif.: 25 August

More information

Licensure Resources by State

Licensure Resources by State Licensure Resources by State Alabama Alabama State Board of Social Work Examiners http://socialwork.alabama.gov/ Alaska Alaska Board of Social Work Examiners http://commerce.state.ak.us/dnn/cbpl/professionallicensing/socialworkexaminers.as

More information

STATE-SPECIFIC ANNUITY SUITABILITY REQUIREMENTS

STATE-SPECIFIC ANNUITY SUITABILITY REQUIREMENTS Alabama Alaska Arizona Arkansas California This jurisdiction has pending annuity training legislation/regulation Annuity Training Requirement Currently Effective Initial 8-Hour Annuity Training Requirement:

More information

State Specific Annuity Suitability Requirements updated 10/10/11

State Specific Annuity Suitability Requirements updated 10/10/11 Alabama Alaska Ai Arizona Arkansas California This jurisdiction has pending annuity training legislation/regulation Initial 8 Hour Annuity Training Requirement: Prior to selling annuities in California,

More information

State-Specific Annuity Suitability Requirements

State-Specific Annuity Suitability Requirements Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Effective 10/16/11: Producers holding a life line of authority on or before 10/16/11 who sell or wish to sell

More information

American C.E. Requirements

American C.E. Requirements American C.E. Requirements Alaska Board of Nursing Two of the following: 30 contact hours 30 hours of professional nursing activities 320 hours of nursing employment Arizona State Board of Nursing Arkansas

More information

State Tax Information

State Tax Information State Tax Information The information contained in this document is not intended or written as specific legal or tax advice and may not be relied on for purposes of avoiding any state tax penalties. Neither

More information

Real Progress in Food Code Adoption

Real Progress in Food Code Adoption Real Progress in Food Code Adoption The Association of Food and Drug Officials (AFDO), under contract to the Food and Drug Administration, is gathering data on the progress of FDA Food Code adoptions by

More information

LexisNexis Law Firm Billable Hours Survey Top Line Report. June 11, 2012

LexisNexis Law Firm Billable Hours Survey Top Line Report. June 11, 2012 LexisNexis Law Firm Billable Hours Survey Top Line Report June 11, 2012 Executive Summary by Law Firm Size According to the survey, we found that attorneys were not billing all the time they worked. There

More information

Data show key role for community colleges in 4-year

Data show key role for community colleges in 4-year Page 1 of 7 (https://www.insidehighered.com) Data show key role for community colleges in 4-year degree production Submitted by Doug Lederman on September 10, 2012-3:00am The notion that community colleges

More information

List of State Residual Insurance Market Entities and State Workers Compensation Funds

List of State Residual Insurance Market Entities and State Workers Compensation Funds List of State Residual Insurance Market Entities and State Workers Compensation Funds On November 26, 2002, President Bush signed into law the Terrorism Risk Insurance Act of 2002 (Public Law 107-297,

More information

Question for the filing office of Texas, Re: the Texas LLC act. Professor Daniel S. Kleinberger. William Mitchell College of Law, Minnesota

Question for the filing office of Texas, Re: the Texas LLC act. Professor Daniel S. Kleinberger. William Mitchell College of Law, Minnesota Topic: Question by: : Question for the filing office of Texas, Re: the Texas LLC act Professor Daniel S. Kleinberger William Mitchell College of Law, Minnesota Date: March 18, 2012 Manitoba Corporations

More information

2014 INCOME EARNED BY STATE INFORMATION

2014 INCOME EARNED BY STATE INFORMATION BY STATE INFORMATION This information is being provided to assist in your 2014 tax preparations. The information is also mailed to applicable Columbia fund non-corporate shareholders with their year-end

More information

State Pest Control/Pesticide Application Laws & Regulations. As Compiled by NPMA, as of December 2011

State Pest Control/Pesticide Application Laws & Regulations. As Compiled by NPMA, as of December 2011 State Pest Control/Pesticide Application Laws & As Compiled by NPMA, as of December 2011 Alabama http://alabamaadministrativecode.state.al.us/docs/agr/mcword10agr9.pdf Alabama Pest Control Alaska http://dec.alaska.gov/commish/regulations/pdfs/18%20aac%2090.pdf

More information

When the workers compensation system in New York was reformed in 2007, the system worked poorly for both employers and employees.

When the workers compensation system in New York was reformed in 2007, the system worked poorly for both employers and employees. New York's workers' comp: High benefits, higher costs New York s workers' comp benefits have risen to enter the mainstream but they cannot explain why employers costs remain so high By Paul Jahn Executive

More information

Census Data on Uninsured Women and Children September 2009

Census Data on Uninsured Women and Children September 2009 March of Dimes Foundation Office of Government Affairs 1146 19 th Street, NW, 6 th Floor Washington, DC 20036 Telephone (202) 659-1800 Fax (202) 296-2964 marchofdimes.com nacersano.org Census Data on Uninsured

More information

2015 National Utilization and Compensation Survey Report. Section 3 Billing Rates. Based on Data Collected: 4 th Quarter 2014

2015 National Utilization and Compensation Survey Report. Section 3 Billing Rates. Based on Data Collected: 4 th Quarter 2014 2015 National Utilization and Compensation Survey Report Section 3 Billing s Based on Data Collected: 4 th Quarter Copyright 2015 Reproduction of this report or portions thereof without express written

More information

J.D. Power Reports: Concerns about Not Having Enough Health Coverage Drive Down Member Satisfaction

J.D. Power Reports: Concerns about Not Having Enough Health Coverage Drive Down Member Satisfaction w J.D. Power Reports: Concerns about Not Having Enough Health Coverage Drive Down Member Satisfaction WESTLAKE VILLAGE, Calif.: 10 March 2014 While health insurance companies are introducing themselves

More information

Use of "Mail Box" service. Date: April 6, 2015. [Use of Mail Box Service] [April 6, 2015]

Use of Mail Box service. Date: April 6, 2015. [Use of Mail Box Service] [April 6, 2015] Topic: Question by: : Use of "Mail Box" service Kathy M. Sachs Kansas Date: April 6, 2015 Manitoba Corporations Canada Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District

More information

Hail-related claims under comprehensive coverage

Hail-related claims under comprehensive coverage Bulletin Vol. 29, No. 3 : April 2012 Hail-related claims under comprehensive coverage Claims for hail damage more than doubled in 2011 compared with the previous three years. Hail claims are primarily

More information

JOINT ECONOMIC COMMITTEE DEMOCRATS

JOINT ECONOMIC COMMITTEE DEMOCRATS JOINT ECONOMIC COMMITTEE DEMOCRATS SENATOR JACK REED (D-RI) RANKING DEMOCRAT ECONOMIC POLICY BRIEF SEPTEMBER 2005 THE NUMBER OFAMERICANS WITHOUT HEALTH INSURANCE GREW BY 860,000 IN 2004, INCREASING FOR

More information

NOTICE OF PROTECTION PROVIDED BY [STATE] LIFE AND HEALTH INSURANCE GUARANTY ASSOCIATION

NOTICE OF PROTECTION PROVIDED BY [STATE] LIFE AND HEALTH INSURANCE GUARANTY ASSOCIATION NOTICE OF PROTECTION PROVIDED BY This notice provides a brief summary of the [STATE] Life and Health Insurance Guaranty Association (the Association) and the protection it provides for policyholders. This

More information

STATISTICAL BRIEF #273

STATISTICAL BRIEF #273 STATISTICAL BRIEF #273 December 29 Employer-Sponsored Health Insurance for Employees of State and Local Governments, by Census Division, 28 Beth Levin Crimmel, M.S. Introduction Employees of state and

More information

State Insurance Department Websites: A Consumer Assessment

State Insurance Department Websites: A Consumer Assessment State Insurance Department Websites: A Consumer Assessment By J. Robert Hunter Director of Insurance November 2008 1 of 10 EXECUTIVE SUMMARY This report analyzes Internet websites for the nation s 51 major

More information

Schedule B DS1 & DS3 Service

Schedule B DS1 & DS3 Service Schedule B DS1 & DS3 Service SCHEDULE B Private Line Data Services DS1 & DS3 Service... 2 DS-1 Local Access Channel... 2 DS-1 Local Access Channel, New Jersey... 2 DS-1 Local Access Channel, Out-of-State...

More information

Age and Health Insurance: Pricing Out the Decades of Adult Life Looking at the difference in health insurance premiums between ages 20 and 60.

Age and Health Insurance: Pricing Out the Decades of Adult Life Looking at the difference in health insurance premiums between ages 20 and 60. Age and Health Insurance: Pricing Out the Decades of Adult Life Looking at the difference in health insurance premiums between ages 20 and 60. Contents 2 3 3 4 4 5 6 7 7 8 9 10 11 12 13 14 Table of Contents

More information

MAIA Bulletin #2004-26 December 2004 (updated 6/6/05) SR-22 Project

MAIA Bulletin #2004-26 December 2004 (updated 6/6/05) SR-22 Project MAIA Bulletin #2004-26 December 2004 (updated 6/6/05) SR-22 Project One of the most common complaints we receive is that consumers in Massachusetts are unable to secure SR-22 (financial responsibility)

More information

State Tax Information

State Tax Information State Tax Information The information contained in this document is not intended or written as specific legal or tax advice and may not be relied on for purposes of avoiding any state tax penalties. Neither

More information

State Revenues from Gambling Show Weakness Despite Gambling Expansion

State Revenues from Gambling Show Weakness Despite Gambling Expansion Data Alert March 23, 2015 For Immediate Release Contact: Robert Bullock Deputy Director for Operations 518-443-5837 or by email at robert.bullock@rockinst.suny.edu State Revenues from Gambling Show Weakness

More information

State Individual Income Taxes: Treatment of Select Itemized Deductions, 2006

State Individual Income Taxes: Treatment of Select Itemized Deductions, 2006 State Individual Income Taxes: Treatment of Select Itemized Deductions, 2006 State Federal Income Tax State General Sales Tax State Personal Property Tax Interest Expenses Medical Expenses Charitable Contributions

More information

In-state Tuition & Fees at Flagship Universities by State 2014-15 Rank School State In-state Tuition & Fees Penn State University Park Pennsylvania 1

In-state Tuition & Fees at Flagship Universities by State 2014-15 Rank School State In-state Tuition & Fees Penn State University Park Pennsylvania 1 In-state Tuition & Fees at Flagship Universities by State 2014-15 Rank School State In-state Tuition & Fees Penn State University Park Pennsylvania 1 $18,464 New New Hampshire 2 Hampshire $16,552 3 Vermont

More information

NAIC Annuity Suitability Requirements by State

NAIC Annuity Suitability Requirements by State NAIC Annuity Suitability Requirements by Specific Alabama Alaska 10/16/2011 TBD Arizona Arkansas If you obtained a life insurance license prior to 10/16/11, you must complete the NAIC course by 4/16/12.

More information

I have been asked to pose the following questions to the list serve regarding disaster recovery plans

I have been asked to pose the following questions to the list serve regarding disaster recovery plans Topic: Question by: : Disaster Recovery Plan Scott W. Anderson Nevada Date: November 19, 2012 Manitoba Corporations Canada Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District

More information

Model Regulation Service January 2006 DISCLOSURE FOR SMALL FACE AMOUNT LIFE INSURANCE POLICIES MODEL ACT

Model Regulation Service January 2006 DISCLOSURE FOR SMALL FACE AMOUNT LIFE INSURANCE POLICIES MODEL ACT Table of Contents Section 1. Section 2. Section 3. Section 4. Section 5. Section 6. Section 1. Model Regulation Service January 2006 Purpose Definition Exemptions Disclosure Requirements Insurer Duties

More information

ANNUAL FINANCIAL PROFILE OF AMERICA S FRANCHISED NEW-CAR DEALERSHIPS. 2014 www.nada.org/nadadata

ANNUAL FINANCIAL PROFILE OF AMERICA S FRANCHISED NEW-CAR DEALERSHIPS. 2014 www.nada.org/nadadata ANNUAL FINANCIAL PROFILE OF AMERICA S FRANCHISED NEW-CAR DEALERSHIPS 2014 www./nadadata Overview NADA Data 2014 the annual financial profile of America s franchised new-car dealerships shows a robust and

More information

County - $0.55/$500 - $.75/$500 depending on +/- 2 million population 0.11% - 0.15% Minnesota

County - $0.55/$500 - $.75/$500 depending on +/- 2 million population 0.11% - 0.15% Minnesota 22-Apr-13 State Deed Transfer and Mortgage Tax Rates, 2012 Alabama State Tax Description Transfer Fee Rate Deeds $0.50/$500 0.10% Mortgages $0.15/$100 0.15% Alaska Arizona $2 fee per deed or contract Flat

More information

Workers Compensation Cost Data

Workers Compensation Cost Data Workers Compensation Cost Data Edward M. Welch Workers Compensation Center School of Labor and Industrial Relations Michigan State University E-mail: welche@msu.edu Web Page: http://www.lir.msu.edu/wcc/

More information

States Ranked by Alcohol Tax Rates: Beer (as of March 2009) Ranking State Beer Tax (per gallon)

States Ranked by Alcohol Tax Rates: Beer (as of March 2009) Ranking State Beer Tax (per gallon) States Ranked by Alcohol Tax Rates: Beer (as of March 2009) Ranking State Beer Tax (per gallon) Sales Tax Applied 1 Wyoming $0.02 4% 2 4 8 10 Missouri $0.06 4.225% Wisconsin $0.06 5% Colorado $0.08 2.9%

More information

GOVERNMENT-FINANCED EMPLOYMENT AND THE REAL PRIVATE SECTOR IN THE 50 STATES

GOVERNMENT-FINANCED EMPLOYMENT AND THE REAL PRIVATE SECTOR IN THE 50 STATES GOVERNMENT-FINANCED EMPLOYMENT AND THE REAL PRIVATE SECTOR IN THE 50 STATES BY KEITH HALL AND ROBERT GREENE November 25, 2013 www.mercatus.org 0.7 2.4 4.2 FEDERAL CONTRACT FUNDED PRIVATE-SECTOR JOBS AS

More information

Large U.S. Auto Insurers Drag Industrywide Customer Satisfaction Down Due to Price Perception, Says J.D. Power

Large U.S. Auto Insurers Drag Industrywide Customer Satisfaction Down Due to Price Perception, Says J.D. Power Large U.S. Auto Insurers Drag Industrywide Customer Satisfaction Down Due to Price Perception, Says DETROIT: 20 June 2016 After improving in each of the past two years, a decline in satisfaction among

More information

Overview of School Choice Policies

Overview of School Choice Policies Overview of School Choice Policies Tonette Salazar, Director of State Relations Micah Wixom, Policy Analyst CSG West Education Committee July 29, 2015 Who we are The essential, indispensable member of

More information

Youth Voter Turnout in the 2008 and 2006 Elections: A State-by-State Comparison

Youth Voter Turnout in the 2008 and 2006 Elections: A State-by-State Comparison Youth in the 2008 and 2006 Elections: A State-by-State Comparison By Surbhi Godsay, Amanda Nover, and Emily Hoban Kirby 1 September 2010 The 2008 presidential election saw a two percentage point increase

More information

EMBARGOED UNTIL 6:00 AM ET WEDNESDAY, NOVEMBER 30, 2011

EMBARGOED UNTIL 6:00 AM ET WEDNESDAY, NOVEMBER 30, 2011 A State-by-State Look at the President s Payroll Tax Cuts for Middle-Class Families An Analysis by the U.S. Department of the Treasury s Office of Tax Policy The President signed into law a 2 percentage

More information

Nurse Aide Training Requirements, 2011

Nurse Aide Training Requirements, 2011 Nurse Aide Training Requirements, 2011 Background Federal legislation (Omnibus Budget Reconciliation Act of 1987) and associated regulations (42 CFR 483.152) require that Medicare- and Medicaid-certified

More information

NAIC Annuity Suitability Requirements by State

NAIC Annuity Suitability Requirements by State NAIC Annuity Suitability Requirements by Specific Alabama Alaska 10/16/2011 TBD Arizona Arkansas If you obtained a life insurance license prior to 10/16/11, you must complete the NAIC course by 4/16/12.

More information

ARCHITECTURE TOP 20 PROGRAMS 2014

ARCHITECTURE TOP 20 PROGRAMS 2014 TOP 0 PROGRAMS 0 In your firm s hiring experience in the past five years, which schools are best preparing students for success in the profession? UNDER. Cornell University. Rice University. University

More information

We do require the name and mailing address of each person forming the LLC.

We do require the name and mailing address of each person forming the LLC. Topic: LLC Managers/Members Question by: Jeff Harvey : Idaho Date: March 7, 2012 Manitoba Corporations Canada Alabama Alaska Arizona Arkansas California Colorado Arizona requires that member-managed LLCs

More information

State Tax of Social Security Income. State Tax of Pension Income. State

State Tax of Social Security Income. State Tax of Pension Income. State State Taxation of Retirement Income The following chart shows generally which states tax retirement income, including and pension States shaded indicate they do not tax these forms of retirement State

More information

What to Know About State CPA Reciprocity Rules. John Gillett, PhD, CPA Chair, Department of Accounting Bradley University, Peoria, IL

What to Know About State CPA Reciprocity Rules. John Gillett, PhD, CPA Chair, Department of Accounting Bradley University, Peoria, IL What to Know About State CPA Reciprocity Rules Paul Swanson, MBA, CPA Instructor of Accounting John Gillett, PhD, CPA Chair, Department of Accounting Kevin Berry, PhD, Assistant Professor of Accounting

More information

recovery: Projections of Jobs and Education Requirements Through 2020 June 2013

recovery: Projections of Jobs and Education Requirements Through 2020 June 2013 recovery: Projections of Jobs and Requirements Through June 2013 Projections of Jobs and Requirements Through This report projects education requirements linked to forecasted job growth by state and the

More information

Real Progress in Food Code Adoption

Real Progress in Food Code Adoption Real Progress in Food Code Adoption August 27, 2013 The Association of Food and Drug Officials (AFDO), under contract to the Food and Drug Administration, is gathering data on the progress of FDA Food

More information

July 2012 (1) States With Negative Growth 22 States With Positive Growth 25

July 2012 (1) States With Negative Growth 22 States With Positive Growth 25 Respondent Coverage: 100% July 2012 Current Month Current Month New England 9.5% Connecticut -3.3% Maine 3.6% Massachusetts 24.1% New Hampshire -0.1% Rhode Island 13.3% Vermont -0.3% Middle Atlantic -3.5%

More information

Q1 2009 Homeowner Confidence Survey. May 14, 2009

Q1 2009 Homeowner Confidence Survey. May 14, 2009 Q1 2009 Homeowner Confidence Survey Results May 14, 2009 The Zillow Homeowner Confidence Survey is fielded quarterly to determine the confidence level of American homeowners when it comes to the value

More information

April 2014. For Kids Sake: State-Level Trends in Children s Health Insurance. A State-by-State Analysis

April 2014. For Kids Sake: State-Level Trends in Children s Health Insurance. A State-by-State Analysis April 2014 For Kids Sake: State-Level Trends in Children s Health Insurance A State-by-State Analysis 2 STATE HEALTH ACCESS DATA ASSISTANCE CENTER Contents Executive Summary... 4 Introduction... 5 National

More information

Supplier Business Continuity Survey - Update Page 1

Supplier Business Continuity Survey - Update Page 1 Supplier Business Continuity Survey - Update Page 1 Supplier Business Continuity Survey A response is required for every question General Information Supplier Name: JCI Supplier Number: Supplier Facility

More information

Recruitment and Retention Resources By State List

Recruitment and Retention Resources By State List Recruitment and Retention Resources By State List Alabama $5,000 rural physician tax credit o http://codes.lp.findlaw.com/alcode/40/18/4a/40-18-132 o http://adph.org/ruralhealth/index.asp?id=882 Area Health

More information

Sample/Excerpts ONLY Not Full Report

Sample/Excerpts ONLY Not Full Report Sample/Excerpts ONLY Not Full Report Contents at a Glance CONTENTS AT A GLANCE... 2 HOME AUTOMATION USA MARKET... 4 DESCRIPTION... 4 KEY BENEFITS... 4 KEYWORDS... 4 REGION-BASED HOME AUTOMATION MARKET

More information

Attachment A. Program approval is aligned to NCATE and is outcomes/performance based

Attachment A. Program approval is aligned to NCATE and is outcomes/performance based Attachment A The following table provides information on student teaching requirements across several states. There are several models for these requirements; minimum number of weeks, number of required

More information

HECM MIC Endorsement Report WELLS FARGO BANK NA As of July 2010

HECM MIC Endorsement Report WELLS FARGO BANK NA As of July 2010 WELLS FARGO BANK NA As of July 2010 Table of Contents Industry Overview... pg. 3 Top 10 Lenders... pg. 3 Regional Overview... pg. 3 National Lender Stats... National Top 10... pg. 4 pg. 5 Regional Top

More information

2016 Individual Exchange Premiums updated November 4, 2015

2016 Individual Exchange Premiums updated November 4, 2015 2016 Individual Exchange Premiums updated November 4, 2015 Within the document, you'll find insights across 50 states and DC with available findings (i.e., carrier participation, price leadership, gross

More information

Nurse Aide Training Requirements, October 2014

Nurse Aide Training Requirements, October 2014 Nurse Aide Training Requirements, October 2014 Background Federal legislation (Omnibus Budget Reconciliation Act of 1987) and associated regulations (42 CFR 483.152) require that Medicare- and Medicaid-certified

More information

State by State Summary of Nurses Allowed to Perform Conservative Sharp Debridement

State by State Summary of Nurses Allowed to Perform Conservative Sharp Debridement State by State Summary of Nurses Allowed to Perform Conservative Sharp Debridement THE FOLLOWING ARE ONLY GENERAL SUMMARIES OF THE PRACTICE ACTS EACH STATE HAS REGARDING CONSERVATIVE SHARP DEBRIDEMENT

More information

A/B MAC Jurisdiction 1 Original Medicare Claims Processor

A/B MAC Jurisdiction 1 Original Medicare Claims Processor A/B MAC Jurisdiction 1 Jurisdiction 1 - American Samoa, California, Guam, Hawaii, Nevada and Northern Mariana Islands Total Number of Fee-For-Service Beneficiaries: 3,141,183 (as of Total Number of Beneficiaries

More information

IRS Request for Assistance re New EIN and True Owner. Question by: Sarah Steinbeck on behalf of Leslie Reynolds. Date: 5 August 2010

IRS Request for Assistance re New EIN and True Owner. Question by: Sarah Steinbeck on behalf of Leslie Reynolds. Date: 5 August 2010 Topic: IRS Request for Assistance re New EIN and True Owner Question by: Sarah Steinbeck on behalf of Leslie Reynolds Jurisdiction: Colorado/NASS Date: 5 August 2010 Jurisdiction Question(s) Have you spoken

More information

The States and Their Community Colleges

The States and Their Community Colleges EDUCATION POLICY BRIEF May 2008 The Nelson A. Rockefeller Institute of Government The public policy research arm of the State University of New York The States and Their Community Colleges Every state

More information

THE BURDEN OF HEALTH INSURANCE PREMIUM INCREASES ON AMERICAN FAMILIES AN UPDATE ON THE REPORT BY THE EXECUTIVE OFFICE OF THE PRESIDENT

THE BURDEN OF HEALTH INSURANCE PREMIUM INCREASES ON AMERICAN FAMILIES AN UPDATE ON THE REPORT BY THE EXECUTIVE OFFICE OF THE PRESIDENT THE BURDEN OF HEALTH INSURANCE PREMIUM INCREASES ON AMERICAN FAMILIES AN UPDATE ON THE REPORT BY THE EXECUTIVE OFFICE OF THE PRESIDENT INTRODUCTION In September 2009, the Executive Office of the President

More information

Fuel Taxes: December 2012. A State-by-State Comparison

Fuel Taxes: December 2012. A State-by-State Comparison Fuel Taxes: A -by- Comparison December 2012 The 18th Amendment to the Washington Constitution dedicates motor fuel tax collections to highway purposes. Strategic Planning and Finance Number of s Fuel

More information

Your Direct Connection Between the US and Canada

Your Direct Connection Between the US and Canada Caneda Transport Inc. Your Direct Connection Between the US and Canada Established in 1975. Caneda has been providing Quality, Professional, and Friendly carrier service for over 36 years. Company Profile

More information

SECTION 109 HOST STATE LOAN-TO-DEPOSIT RATIOS. The Board of Governors of the Federal Reserve System (Board), the Federal Deposit

SECTION 109 HOST STATE LOAN-TO-DEPOSIT RATIOS. The Board of Governors of the Federal Reserve System (Board), the Federal Deposit SECTION 109 HOST STATE LOAN-TO-DEPOSIT RATIOS The Board of Governors of the Federal Reserve System (Board), the Federal Deposit Insurance Corporation (FDIC), and the Office of the Comptroller of the Currency

More information

Current State Regulations

Current State Regulations Current State Regulations Alabama: Enacted in 1996, the state of Alabama requires all licensed massage therapists to * A minimum of 650 classroom hours at an accredited school approved by the state of

More information

STATISTICAL BRIEF #435

STATISTICAL BRIEF #435 STATISTICAL BRIEF #435 April 2014 Premiums and Employee Contributions for Employer-Sponsored Health Insurance: Private versus Public Sector, 2012 Karen E. Davis, MA Introduction Employer-sponsored health

More information

Compulsory Auto Insurance and Financial Responsibility Laws State Reporting Programs

Compulsory Auto Insurance and Financial Responsibility Laws State Reporting Programs NATIONAL CONFERENCE OF STATE LEGISLATURES EMPLOYMENT AND INSURANCE PROGRAM Compulsory Auto Insurance and Laws State Reporting Programs 1 Alabama 32-7-6 32-7A-6 2000 32-7A-7 32-7A-7 Alaska 28.20 28.22.011

More information

LPSC Renewable Energy Pilot y RFPs issued by Utility Companies by Order of Commission, November 2010

LPSC Renewable Energy Pilot y RFPs issued by Utility Companies by Order of Commission, November 2010 Renewable Energy LPSC Renewable Energy Pilot y RFPs issued by Utility Companies by Order of Commission, November 2010 y Searching for various forms of renewable energy and their actual cost in Louisiana

More information

Low-Profit Limited Liability Company (L3C) Date: July 29, 2013. [Low-Profit Limited Liability Company (L3C)] [July 29, 2013]

Low-Profit Limited Liability Company (L3C) Date: July 29, 2013. [Low-Profit Limited Liability Company (L3C)] [July 29, 2013] Topic: Question by: : Low-Profit Limited Liability Company (L3C) Kevin Rayburn, Esq., MBA Tennessee Date: July 29, 2013 Manitoba Corporations Canada Alabama Alaska Arizona Arkansas California Colorado

More information

********************

******************** THE SURETY & FIDELITY ASSOCIATION OF AMERICA 1101 Connecticut Avenue, N.W., Suite 800 Washington, D. C. 20036 Phone: (202) 463-0600 Fax: (202) 463-0606 Web page: www.surety.org APPLICATION Application

More information

US Department of Health and Human Services Exclusion Program. Thomas Sowinski Special Agent in Charge/ Reviewing Official

US Department of Health and Human Services Exclusion Program. Thomas Sowinski Special Agent in Charge/ Reviewing Official US Department of Health and Human Services Exclusion Program Thomas Sowinski Special Agent in Charge/ Reviewing Official Overview Authority to exclude individuals and entities from Federal Health Care

More information

SECTION 109 HOST STATE LOAN-TO-DEPOSIT RATIOS. or branches outside of its home state primarily for the purpose of deposit production.

SECTION 109 HOST STATE LOAN-TO-DEPOSIT RATIOS. or branches outside of its home state primarily for the purpose of deposit production. SECTION 109 HOST STATE LOAN-TO-DEPOSIT RATIOS The Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation, and the Office of the Comptroller of the Currency (the agencies)

More information