FREQUENTLY ASKED QUESTIONS (FAQs)

Size: px
Start display at page:

Download "FREQUENTLY ASKED QUESTIONS (FAQs)"

Transcription

1 EMPLOYMENT PRACTICES LIABILITY fr small businesses FREQUENTLY ASKED QUESTIONS (FAQs) What is Emplyment Practices Liability Insurance? Emplyment Practices Liability (EPL) insurance prtects an emplyer frm emplyees claims alleging discriminatin, wrngful terminatin r harassment, including sexual harassment. EPL insurance pays fr liability damages and defense csts due t these charges brught by full-time, part-time, temprary and seasnal emplyees. Why d small businesses need EPL cverage? Abut 50 percent f EPL charges are filed against small businesses. Emplyment laws that emplyees may use as a basis fr actin against their emplyer apply t the majrity f businesses, including small firms. Even grundless emplyment charges may require legal defense and defense csts can by significant ften $10,000 r mre. Insureds need EPL cverage t have thse defense csts cvered and t get access t attrneys experienced in defending emplyers frm emplyment-related charges. Small businesses ften dn t have human resurces prfessinals t develp the frmal persnnel plicies and prcedures that can help prevent emplymentrelated charges. And they dn t have deep pckets s just the cst t defend them frm EPL claims r charges can hurt a small business. Why wuld a reputable, well-run business need EPL insurance? N matter hw well they run their business, an emplyee can allege anything at anytime. Emplyers need t defend themselves frm emplyment-related charges, even if the charges are withut merit.

2 EPL cverage pays fr defense csts even when the charges are grundless. Defense csts can be significant, well beynd what many small businesses can affrd t pay. What s changed that nw makes EPL insurance imprtant fr small businesses? Tday s business and legal climate is different than it was years ag. Emplyees are mre aware f emplyment laws, their rights and hw t exercise their rights by taking actin against emplyers. Federal and state emplyment-related laws and regulatins have been bradened. Emplyees see a lt f news cverage and publicity abut emplyment cases and awards against emplyers. The wrkfrce is mre diverse with wmen, lder wrkers and minrities representing a significant percentage f emplyees. What advantages des ur EPL insurance have t thers in the market? Our EPL cverage was designed fr the needs f small businesses. It s affrdable and csts nly a small fractin f EPL insurance premiums when sld as a separate plicy. It s easy t handle; there s n need t cmplete a separate EPL applicatin. EPL cverage is cnveniently endrsed nt the package plicy; there s n additinal plicy t handle. Cverage is n a par with many f the EPL cverages ffered t large businesses. Claim service is prvided by EPL claim specialists. Insureds needing legal defense are represented by experienced emplyment law firms whse services wuld nrmally be cst prhibitive fr a small business wner. The prgram includes a lss preventin website where yur agency and insureds can access infrmatin and tls t help minimize expsure t emplyment claims.

3 What lss preventin services des ur EPL prgram include? Our prgram includes an EPL lss preventin website that prvides emplyers with tls and infrmatin t help them avid situatins that can lead t an emplyment claim. When facing an EPL charge, it is critical fr an emplyer s defense t present evidence f effrts t prevent r crrect unlawful emplyment practices. The tls in ur EPL lss preventin website can help them dcument thse steps. It prvides insured emplyers access t imprtant infrmatin such as: EPL risks and lss examples Applicable emplyment laws Mdel emplyment plicies and prcedures Library f recent develpments in emplyment law Library f EPL frequently asked questins (FAQs) Hw much des Emplyment Practices Liability insurance cst? Fr $100,000 in EPL limits with a $5,000 deductible ur EPL cverage wuld cst $47.73 per full-time equivalent. Our prgram csts a small fractin f what separate EPL insurance plicies cst which are ften $2,000 r mre. What des an Emplyment Practices Liability claim typically cst an emplyer? 81% f EPL claims are reslved fr between $22,400 and $40,500. This includes defense csts and liability damage payments. This isn t an expsure that a small business shuld self-insure; given the risk, ur EPL prgram is a tremendus value. What laws and statutes create the necessity fr EPL? The need fr Emplyment Practices Liability insurance arises frm a number f federal and state laws under which emplyees may bring actins against their emplyers fr such matters as sexual harassment, discriminatin and wrngful terminatin. Title VII A federal law enacted in 1964 and amended by the Civil Rights Act f Title VII prhibits discriminatin r harassment n the basis f race, clr, religin, gender, r natinal rigin. Title VII als created the Equal Emplyment Opprtunity Cmmissin (EEOC) as a venue fr emplyment-related grievances.

4 The Equal Pay Act f 1963 Prhibits unequal pay fr men and wmen serving in substantially the same psitin. The Age Discriminatin in Emplyment Act f 1967 Prhibits discriminatin against persns wh are 40 years f age r lder. The Americans with Disabilities Act f 1990 Prhibits discriminatin against peple with physical r mental disabilities. Emplyers als must make any reasnable accmmdatins fr their disabled emplyees t cnduct their duties as lng as such an accmmdatin des nt pse an undue hardship n the emplyer. The Family and Medical Leave Act f 1993 prvides that an emplyee can take up t 12 weeks f unpaid leave t care fr a new child r a seriusly ill family member, including themselves. Fair Emplyment Practices statutes Individual state statutes that expand many f the prtectins prvided under federal laws. These laws increase the prtected classes t include such classificatins as sexual rientatin, transgender, medical cnditins, besity and thers. These laws als extend their reach s that they apply t even the smallest emplyers and als lengthen the statutes f limitatins. Additinally, the states have created Fair Emplyment Practices Agencies (r FEPAs) as the state equivalents t the EEOC. Cmmn Law Emplyees can als allege such trtius acts as vilatin f their civil rights, inflictin f emtinal distress, invasin f privacy and thers under cmmn law. Des the EPL endrsement prvide cverage fr claims brught by custmers and ther nn-emplyees? N. Our EPL insurance prvides cverage fr claims brught against an emplyer by a full-time, part-time, seasnal r temprary emplyee nly. Claims brught by individuals ther than emplyees, including independent cntractrs, are nt cvered. What limits and deductibles are available? We prvide $100,000 in EPL limits subject t a $5,000 deductible fr all eligible insureds. An ptinal limit f $250,000, alng with deductibles f $2,500, $10,000, r $25,000, is available. Limits f $500,000 and $1,000,000 are available by cntacting yur Cmmercial Lines Underwriter.

5 Des the EPL limit include defense csts? Yes. Defense csts are included within the limit f liability. That means that the limit is reached by a ttal f bth defense csts and indemnity payments. Hw d yu define small business is there a maximum emplyee cunt? Yes. The maximum is 50 emplyees r fewer per plicy regardless f the number f lcatins. Hwever, Umialik can ffer cverage n insureds with emplyees by cntacting yur Cmmercial Lines Underwriter. Are there any classes that are ineligible fr the prgram? Yes. While mst classes will be eligible fr ur EPL prgram, the fllwing classes are ineligible: law firms, emplyee leasing firms, temprary help firms, private glf clubs, municipalities, and schls. Hw will EPL cverage be ffered t existing plicyhlders? On new submissin qutes? An EPL cverage qute will be included with all eligible Umialik new and renewal plicies. The standard limit f $100,000 with a $5,000 deductible (unless therwise nted n the applicatin r renewal instructins) will be rated n emplyee cunt and included in ur qute r renewal ffer. EPL cverage will nly be included n new r renewal plicies by agent request. Is the EPL cverage written n a claims-made r ccurrence basis? EPL cverage is written n claims-made and reprted basis, meaning that a claim must be made against the insured and reprted t the primary carrier within the plicy perid (r within a subsequent renewal perid assuming there has been cntinuus cverage) and the wrngful act must have ccurred after the effective date f the first EPL plicy written (in ur partnership with HSB). When is the insured bligated t pay the deductible? Assuming a $5,000 deductible, the insured is respnsible fr the first $5,000 f cvered lss. Abve the deductible amunt, EPL insurance wuld pay additinal cvered lss within the limit f liability.

6 What type f legal representatin is prvided with the cverage? Our EPL cverage includes legal representatin by law firms specializing in emplyment law. In the event that a claim warrants defense, we will chse and retain ne f these law firms t represent the insured. Hw will this prtect ur agency frm an E&O claim? Our EPL prgram allws yu t prvide yur insureds with meaningful cverage at an affrdable premium in a very easy-t-administer manner. Cverage nt nly prtects insureds, it als prtects yur agency. If an insured suffers a lss and this cverage was nt ffered, yur agency may have an increased expsure t an E&O claim.

Employment Practices Liability - Frequently Asked Questions

Employment Practices Liability - Frequently Asked Questions Employment Practices Liability - Frequently Asked Questions What is Employment Practices Liability Insurance? Employment Practices Liability (EPL) insurance protects an employer from employees claims alleging

More information

FREQUENTLY ASKED QUESTIONS AGENTS/BROKERS. What is Employment Practices Liability Insurance?

FREQUENTLY ASKED QUESTIONS AGENTS/BROKERS. What is Employment Practices Liability Insurance? FREQUENTLY ASKED QUESTIONS AGENTS/BROKERS What is Employment Practices Liability Insurance? Employment Practices Liability (EPL) insurance protects an employer from employees claims alleging discrimination,

More information

Bl$wing the Whistle $n the New Whistlebl$wer Pr$tecti$ns Created by the D$dd-Frank Act. By: Michael James L$mbardin$

Bl$wing the Whistle $n the New Whistlebl$wer Pr$tecti$ns Created by the D$dd-Frank Act. By: Michael James L$mbardin$ Oct$ber 22, 2010 Bl$wing the Whistle $n the New Whistlebl$wer Pr$tecti$ns Created by the D$dd-Frank Act By: Michael James L$mbardin$ The "D&dd-Frank Wall Street Ref&rm and C&nsumer Pr&tecti&n Act" (D&dd-Frank)

More information

Health Care Reform Patient Protection Affordable Care Act (PPACA) Overview Key Principles

Health Care Reform Patient Protection Affordable Care Act (PPACA) Overview Key Principles Health Care Refrm Patient Prtectin Affrdable Care Act (PPACA) Overview Key Principles DESCRIPTION: Healthcare Refrm/Patient Prtectin & Affrdable Care Act (PPACA) were passed int law March 23. 2010. Hwever,

More information

The ADA: Your Employment Rights as an Individual With a Disability

The ADA: Your Employment Rights as an Individual With a Disability The ADA: Yur Emplyment Rights as an Individual With a Disability The U.S. Equal Emplyment Opprtunity Cmmissin ADDENDUM Since The Americans with Disabilities Act: Yur Respnsibilities as an Emplyer was published,

More information

Insurance. Professional UabilitM Commercial & Other. Professional Uability Insurance. AnAbsolute Necessity

Insurance. Professional UabilitM Commercial & Other. Professional Uability Insurance. AnAbsolute Necessity Prfessinal UabilitM Cmmercial & Other Insurance AnAbslute Necessity I n August 2005, Illinis enacted medical malpractice refrm that limits the amunt a jury can award fr persnal pain and suffering t $500,000

More information

1. What insurance coverage is provided for Sigma Chi chapters that are members of the Risk Management Foundation?

1. What insurance coverage is provided for Sigma Chi chapters that are members of the Risk Management Foundation? Frequently Asked Questins 1. What insurance cverage is prvided fr Sigma Chi chapters that are members f the Risk Management Fundatin? Membership in the Risk Management Fundatin includes the fllwing mandatry

More information

Professional indemnity insurance arrangements for enrolled nurses, registered nurses and nurse practitioners

Professional indemnity insurance arrangements for enrolled nurses, registered nurses and nurse practitioners Guideline August 2013 Prfessinal indemnity insurance arrangements fr enrlled nurses, registered nurses and nurse practitiners Intrductin This guideline has been develped by the Nursing and Midwifery Bard

More information

Errors & Omissions Insurance for Title, Escrow Agents and Abstractors. Endorsed by the American Land Title Association

Errors & Omissions Insurance for Title, Escrow Agents and Abstractors. Endorsed by the American Land Title Association Errrs & Omissins Insurance fr Title, Escrw Agents and Abstractrs Endrsed by the American Land Title Assciatin The Insurance Cmpany: Title Industry Assurance Cmpany, a Risk Retentin Grup TIAC issued its

More information

insurers cannot deny coverage for patients with preexisting conditions or because an insured got sick;

insurers cannot deny coverage for patients with preexisting conditions or because an insured got sick; The Affrdable Care Act Health Insurance Respnsibilities f Large, Midsize & Small Emplyers; Buying Insurance n the Individual Health Insurance Marketplace and the Small Business Health Optins Prgram Intrductin:

More information

Public consultation paper

Public consultation paper Public cnsultatin paper Nvember 2012 Public cnsultatin n guidelines fr prfessinal indemnity insurance arrangements fr nurses and nurse practitiners. Please prvide feedback by email t: nmbafeedback@ahpra.gv.au

More information

Key Steps for Organizations in Responding to Privacy Breaches

Key Steps for Organizations in Responding to Privacy Breaches Key Steps fr Organizatins in Respnding t Privacy Breaches Purpse The purpse f this dcument is t prvide guidance t private sectr rganizatins, bth small and large, when a privacy breach ccurs. Organizatins

More information

Frequently Asked Questions About I-9 Compliance

Frequently Asked Questions About I-9 Compliance Frequently Asked Questins Abut I-9 Cmpliance What is required t verify wrk authrizatin? The basic requirement t verify wrk authrizatin is the Frm I-9. This frm is available n the HR website: http://www.fit.edu/hr/dcuments/frms/i-9.pdf

More information

Are Insurance Premiums Deductible?

Are Insurance Premiums Deductible? Are Insurance Premiums Deductible? December 2011 Can I deduct the premiums? That s a questin yu prbably hear when yu re presenting an insurance cncept. Unfrtunately, the answer is generally n insurance

More information

FTE is defined as an employee who is employed on average at least 30 hours of service per week.

FTE is defined as an employee who is employed on average at least 30 hours of service per week. On March 23, 2010, President Barack Obama signed int law cmprehensive health care refrm legislatin, the Patient Prtectin and Affrdable Care Act (H.R. 3590) passed in the Senate. The Health Care and Educatin

More information

Cell Phone & Data Access Policy Frequently Asked Questions

Cell Phone & Data Access Policy Frequently Asked Questions Cell Phne & Data Access Plicy Frequently Asked Questins 1. Wh is eligible fr a technlgy allwance? First and fremst, the technlgy allwance is fr the benefit f the University, rather than fr the cnvenience

More information

Health Care Reform: The New Law

Health Care Reform: The New Law Health Care Refrm: The New Law Prfessr Sidney D. Watsn April 7, 2010 On March 23, 2010 President Obama signed int law the Patient Prtectin and Affrdable Care Act (H.R. 3590). On March 29, the President

More information

Annuities and Senior Citizens

Annuities and Senior Citizens Illinis Insurance Facts Illinis Department f Insurance January 2010 Annuities and Senir Citizens Nte: This infrmatin was develped t prvide cnsumers with general infrmatin and guidance abut insurance cverages

More information

Notice of Protection Provided by Utah Life and Health Insurance Guaranty Association

Notice of Protection Provided by Utah Life and Health Insurance Guaranty Association Ntice f Prtectin Prvided by Utah Life and Health Insurance Guaranty Assciatin This ntice prvides a brief summary f the Utah Life and Health Insurance Guaranty Assciatin ("the Assciatin") and the prtectin

More information

VET FEE-HELP Frequently Asked Questions for Students May 2010

VET FEE-HELP Frequently Asked Questions for Students May 2010 Hw d I apply? VET FEE-HELP Frequently Asked Questins fr Students May 2010 If yu are eligible fr VET FEE-HELP assistance and wuld like t btain a VET FEE-HELP lan, yu shuld btain a Request fr VET FEE-HELP

More information

Provision Senate HELP Committee Bill (Affordable Health Choices Act) House Tri-Committee Bill, H.R. 3200 Individual Mandate

Provision Senate HELP Committee Bill (Affordable Health Choices Act) House Tri-Committee Bill, H.R. 3200 Individual Mandate August 7, 2009 Cmparisn f the Cverage Prvisins in the Affrdable Health Chices Act as Apprved by the Senate HELP Cmmittee and the Huse Tri-Cmmittee Bill, H.R. 3200, America s Affrdable Health Chices Act

More information

FIREFIGHTER HEART AND CIRCULATORY MALFUNCTION BENEFITS PROGRAM STANDARD OPERATING GUIDELINES Approved by the DOLA Executive Director July 1, 2014

FIREFIGHTER HEART AND CIRCULATORY MALFUNCTION BENEFITS PROGRAM STANDARD OPERATING GUIDELINES Approved by the DOLA Executive Director July 1, 2014 FIREFIGHTER HEART AND CIRCULATORY MALFUNCTION BENEFITS PROGRAM STANDARD OPERATING GUIDELINES Apprved by the DOLA Executive Directr July 1, 2014 Prgram Overview: As f July 1, 2014, the Department f Lcal

More information

We will record and prepare documents based off the information presented

We will record and prepare documents based off the information presented Dear Client: We appreciate the pprtunity f wrking with yu regarding yur Payrll needs. T ensure a cmplete understanding between us, we are setting frth the pertinent infrmatin abut the services that we

More information

What Does Specialty Own Occupation Really Mean?

What Does Specialty Own Occupation Really Mean? What Des Specialty Own Occupatin Really Mean? Plicy definitins are cnfusing, nt nly t cnsumers but als t many f the insurance prfessinals wh sell them. Belw we will try t prvide an understandable explanatin

More information

WHAT SHOULD I LOOK FOR WHEN I BUY HEALTH INSURANCE?

WHAT SHOULD I LOOK FOR WHEN I BUY HEALTH INSURANCE? WHAT SHOULD I LOOK FOR WHEN I BUY HEALTH INSURANCE? The Maine Bureau f Insurance 34 State Huse Statin Augusta, Maine 04333 207-624-8475 r 1-800-300-5000 (in Maine) http://www.maine.gv/pfr/insurance Paul

More information

Internet and E-Mail Policy User s Guide

Internet and E-Mail Policy User s Guide Internet and E-Mail Plicy User s Guide Versin 2.2 supprting partnership in mental health Internet and E-Mail Plicy User s Guide Ver. 2.2-1/5 Intrductin Health and Scial Care requires a great deal f cmmunicatin

More information

Camera Operator General Liability Program

Camera Operator General Liability Program Camera Operatr General Liability Prgram Frequently Asked Questins Guide (Page 2) General Liability Plicy Highlights Cverage Summary Additinal Cverage Optins Hw t Apply (Page 4) Abut this Plicy What des

More information

Heythrop College Disciplinary Procedure for Support Staff

Heythrop College Disciplinary Procedure for Support Staff Heythrp Cllege Disciplinary Prcedure fr Supprt Staff Intrductin 1. This prcedural dcument des nt apply t thse academic-related staff wh are mentined in the Cllege s Ordinance, namely the Librarian and

More information

THE EMPLOYMENT LAW DISPUTE SPECIALISTS DAMAGES BASED AGREEMENT. Your Employment Tribunal claim relating to your employment with...

THE EMPLOYMENT LAW DISPUTE SPECIALISTS DAMAGES BASED AGREEMENT. Your Employment Tribunal claim relating to your employment with... THE EMPLOYMENT LAW DISPUTE SPECIALISTS DAMAGES BASED AGREEMENT 1. What is cvered by this agreement Yur Emplyment Tribunal claim relating t yur emplyment with... 2. What is nt cvered by this agreement 2.1

More information

Accident Investigation

Accident Investigation Accident Investigatin APPLICABLE STANDARD: 1960.29 EMPLOYEES AFFECTED: All emplyees WHAT IS IT? Accident investigatin is the prcess f determining the rt causes f accidents, n-the-jb injuries, prperty damage,

More information

Provided By Touchstone Consulting Group Workers Compensation Employee Benefits

Provided By Touchstone Consulting Group Workers Compensation Employee Benefits Prvided By Tuchstne Cnsulting Grup Wrkers Cmpensatin Emplyee Wrkers cmpensatin is a system f n-fault insurance that prvides mnetary cmpensatin and medical benefits t emplyees fr wrk-related injuries and

More information

An employer s Guide to engaging an occupational health physician

An employer s Guide to engaging an occupational health physician An emplyer s Guide t engaging an ccupatinal health physician When and why d emplyers need the services f ccupatinal physicians? Being in business invlves risk. Business pprtunities are inherently uncertain

More information

The SHOP Marketplace. August 14, 2014

The SHOP Marketplace. August 14, 2014 The SHOP Marketplace August 14, 2014 What is the SHOP Marketplace? SHOP = Small Business Health Optins Prgram Part f the Health Insurance Marketplace created by the Affrdable Care Act (ACA) Offers emplyers

More information

NAIC Replacement Requirements For Certain Life Insurance Policies And Annuity Contracts

NAIC Replacement Requirements For Certain Life Insurance Policies And Annuity Contracts NAIC Replacement Requirements Fr Certain Life Insurance Plicies And Annuity Cntracts Duties f Prducers If a transactin invlves a replacement, the prducer must leave with the applicant, at the time an applicatin

More information

REQUEST FOR PROPOSAL SECURITY SERVICES

REQUEST FOR PROPOSAL SECURITY SERVICES REQUEST FOR PROPOSAL SECURITY SERVICES Sectin I INTRODUCTION [Cmpany] is seeking prpsals frm qualified Cntractrs t prvide unifrmed security service fr [Cmpany] facilities at [Lcatin(s)]. This dcument is

More information

UBC Restricted Faculty Second Mortgage Loan Program Description of Key Terms

UBC Restricted Faculty Second Mortgage Loan Program Description of Key Terms UBC Restricted Faculty Secnd Mrtgage Lan Prgram Descriptin f Key Terms Updated February 4, 2014 The Restricted Resale Capped Appreciatin Prgram is ne f tw ptins in UBC s Hme Ownership Prgram intended t

More information

OUR DISCIPLINARY POLICY

OUR DISCIPLINARY POLICY OUR DISCIPLINARY POLICY WHO is this plicy fr? Channel 4 emplyees wh ve passed their prbatinary perid Channel 4 managers This plicy des nt frm part f any emplyee s cntract f emplyment and we may amend it

More information

A Primer on Using Temporary or Seasonal Workers in Your Business

A Primer on Using Temporary or Seasonal Workers in Your Business A Primer n Using Temprary r Seasnal Wrkers in Yur Business By R. Matthew Cairns Gallagher, Callahan & Gartrell Bx 1415 Cncrd, NH 03302-1415 603-545-3622 cairns@gcglaw.cm USLAW 2010 Spring Client Cnference

More information

Military: Exemptions for Texas Veterans (Hazlewood Exemption) FAQs

Military: Exemptions for Texas Veterans (Hazlewood Exemption) FAQs Military: Exemptins fr Texas Veterans (Hazlewd Exemptin) FAQs What charges are cvered? What charges are nt cvered? Des the Hazlewd Act cver teacher certificatin fees? Des the Hazlewd Act cver credit by

More information

Issue Brief. SBC Distribution Rules for Employer Sponsored Health Plans October 2012. Summary. Which Plans Are Required to Provide the SBC?

Issue Brief. SBC Distribution Rules for Employer Sponsored Health Plans October 2012. Summary. Which Plans Are Required to Provide the SBC? Issue Brief SBC Distributin Rules fr Emplyer Spnsred Health Plans Octber 2012 Summary The Affrdable Care Act (ACA) expands ERISA's disclsure requirements by requiring that a summary f benefits and cverage

More information

STEP 1: Student Application Submission

STEP 1: Student Application Submission Student Applicatin Prcess fr Chice Districts Interdistrict Public Schl Chice Prgram New Jersey State Department f Educatin P.O. Bx 500 Trentn, New Jersey 08625-0500 Email: pschice@de.state.nj.us STEP 1:

More information

CORPORATE CREDIT CARD POLICY

CORPORATE CREDIT CARD POLICY TITLE: POLICY OWNERS: DATE INSTITUTED: May 1, 2008 CURRENT VERSION: Ver. 1.6 REVISION DATE: July 1, 2015 Crprate Credit Card Plicy Melissa Cluse, Vice President & Cntrller Cindy Klein, Accunts Payable

More information

The Family Cost Share system is designed so families with the ability to pay will share in the cost of services.

The Family Cost Share system is designed so families with the ability to pay will share in the cost of services. Paying fr Early Childhd Interventin Services What is ECI? Texas Early Childhd Interventin (ECI) prgrams serve families with children birth t 36 mnths with develpmental delays r disabilities. ECI prvides

More information

Chris Chiron, Interim Senior Director, Employee & Management Relations Jessica Moore, Senior Director, Classification & Compensation

Chris Chiron, Interim Senior Director, Employee & Management Relations Jessica Moore, Senior Director, Classification & Compensation TO: FROM: HR Officers & Human Resurces Representatives Chris Chirn, Interim Senir Directr, Emplyee & Management Relatins Jessica Mre, Senir Directr, Classificatin & Cmpensatin DATE: May 26, 2015 RE: Annual

More information

YOUR NEW SOUTH WALES WORKERS COMPENSATION CLAIM

YOUR NEW SOUTH WALES WORKERS COMPENSATION CLAIM Gibney & Gunsn LAWYERS New Suth Wales & Victria YOUR NEW SOUTH WALES WORKERS COMPENSATION CLAIM Nt cvered by the scheme Injuries that ccur n the way t r frm wrk (wrkers wh are injured while driving during

More information

CONTENTS UNDERSTANDING PPACA. Implications of PPACA Relative to Student Athletes. Institution Level Discussion/Decisions.

CONTENTS UNDERSTANDING PPACA. Implications of PPACA Relative to Student Athletes. Institution Level Discussion/Decisions. This dcument is intended t prvide NCAA member institutins with an infrmatinal guide regarding the ptential implicatins f the Patient Prtectin and Affrdable Care Act f 2010 (PPACA) when fully implemented

More information

What payments will I need to make during the construction phase? Will the lender advance construction funds prior to the work being completed?

What payments will I need to make during the construction phase? Will the lender advance construction funds prior to the work being completed? Q&A What is a cnstructin lan? A cnstructin lan prvides the financing fr the cnstructin f yur new hme. Cnstructin lans may be structured as a single r tw-settlement transactin. Cnstructin lans culd include

More information

POLICIES AND PROCEDURES

POLICIES AND PROCEDURES POLICIES AND PROCEDURES Department: Campus Safety and Security and Welcme Center/Infrmatin Subject: Rental Vehicle Insurance Date Issued: December 16, 2005 Date Revised: March 23, 2009; Octber 1, 2011

More information

ERISA Compliance FAQs: Fiduciary Responsibilities

ERISA Compliance FAQs: Fiduciary Responsibilities Brught t yu by Mrris & Reynlds Insurance ERISA Cmpliance FAQs: Fiduciary Respnsibilities The Emplyee Retirement Incme Security Act f 1974 (ERISA) is a federal law that sets minimum standards fr emplyee

More information

Aquaculture Insurance

Aquaculture Insurance Aquaculture Insurance S, yu ve decided t raise clams, ysters, r the like. This white paper is meant t prvide an insurance starting pint. It will utline the basics and hw they apply, in a brad sense, t

More information

HIPAA 5010 Implementation FAQs for Health Care Professionals

HIPAA 5010 Implementation FAQs for Health Care Professionals HIPAA 5010 Implementatin FAQs fr Health Care Prfessinals Updated September 27, 2012 Key Messages In January 2009, the Department f Health and Human Services published the final rule cntaining the requirements

More information

Improved ADP and ACP Safe Harbor Plan Designs

Improved ADP and ACP Safe Harbor Plan Designs Imprtant Infrmatin Plan Administratin and Operatin April 2000* Imprved ADP and ACP Safe Harbr Plan Designs WHO'S AFFECTED This infrmatin applies t defined cntributin plans with a 401(k) feature r emplyer

More information

Accountants and Consulting Professional Liability Program. You have the best coverage. Disciplinary Proceedings. Subpoena Expenses

Accountants and Consulting Professional Liability Program. You have the best coverage. Disciplinary Proceedings. Subpoena Expenses Accuntants and Cnsulting Prfessinal Liability Prgram Yu have the best cverage Fr mre than a dzen years, CPAGld has strived t be the mst innvative and frward thinking prfessinal liability insurance prgram

More information

All Harvard University schools, tubs, local units, Affiliate Institutions, Allied Institutions and University-wide Initiatives.

All Harvard University schools, tubs, local units, Affiliate Institutions, Allied Institutions and University-wide Initiatives. HARVARD UNIVERSITY FINANCIAL POLICY INDEPENDENT CONTRACTOR CLASSIFICATION Plicy Title: Independent Cntractr Respnsible Office: ERP and UFS Effective Date: Octber 4, 2000 Revisin Date: May 12, 2009 Plicy

More information

Retirement Age Of 65 To Stay... For Now

Retirement Age Of 65 To Stay... For Now Retirement Age Of 65 T Stay... Fr Nw The High Curt has recently ruled n the validity f a cmpulsry retirement age f 65 under UK age discriminatin legislatin The Emplyment Equality (Age) Regulatins 2006

More information

Personal Data Security Breach Management Policy

Personal Data Security Breach Management Policy Persnal Data Security Breach Management Plicy 1.0 Purpse The Data Prtectin Acts 1988 and 2003 impse bligatins n data cntrllers in Western Care Assciatin t prcess persnal data entrusted t them in a manner

More information

EXTENDED BENEFITS FOR TOTAL DISABILITY

EXTENDED BENEFITS FOR TOTAL DISABILITY ADMINISTRATIVE POLICY EXTENDED BENEFITS FOR TOTAL DISABILITY Plicy Number: ADMINISTRATIVE 49.8 T2 Effective Date: January, 205 Table f Cntents APPLICABLE LINES OF BUSINESS/PRODUCTS PURPOSE... DEFINITIONS...

More information

Maryland General Service (MGS) Area 29 Treatment Facilities Committee (TFC) TFC Instructions

Maryland General Service (MGS) Area 29 Treatment Facilities Committee (TFC) TFC Instructions Maryland General Service (MGS) Area 29 Treatment Facilities Cmmittee (TFC) TFC Instructins Lve And Service Facility Presentatin t Patients We are frm Alchlics Annymus (AA), fr AA, and ur service is fr

More information

Legal Issues Bulletin

Legal Issues Bulletin Legal Issues Bulletin N. 8 reviewed May 2015 Claims fr lss f r damage t persnal prperty and use f private mtr vehicles by staff, parents and students Legal Issues Bulletin 39 - Preparatin and use f accident

More information

RIVERSIDE TRANSIT AGENCY FULL-TIME ATU EMPLOYEES NEW HIRE ENROLLMENT OVERVIEW 2015

RIVERSIDE TRANSIT AGENCY FULL-TIME ATU EMPLOYEES NEW HIRE ENROLLMENT OVERVIEW 2015 RIVERSIDE TRANSIT AGENCY FULL-TIME ATU EMPLOYEES NEW HIRE ENROLLMENT OVERVIEW 2015 Riverside Transit Agency (RTA) is extremely prud f the package f benefits available t yu. The benefits package prvided

More information

Application for Cathedral Kitchen s Culinary Arts Training Program

Application for Cathedral Kitchen s Culinary Arts Training Program Applicatin fr Cathedral Kitchen s Culinary Arts Training Prgram Cathedral Kitchen s Culinary Arts Training (CAT) prgram is an Equal Opprtunity Educatinal prgram. Enrllment is ffered n the basis f qualificatins,

More information

Mid North Coast Health Research Collaborative. APPLICATION GUIDELINES - Research Support Program

Mid North Coast Health Research Collaborative. APPLICATION GUIDELINES - Research Support Program Mid Nrth Cast Health Research Cllabrative APPLICATION GUIDELINES - Research Supprt Prgram Versin 1.0 Jul 2015 Cntents Backgrund... 2 Purpse... 3 Key Dates - 2015... 3 MNCHRC Research Pririties... 3 Eligibility...

More information

Group Term Life Insurance: Table I Straddle Testing and Imputed Income for Dependent Life Insurance

Group Term Life Insurance: Table I Straddle Testing and Imputed Income for Dependent Life Insurance An American Benefits Cnsulting White Paper American Benefits Cnsulting, LLC 99 Park Ave, 25 th Flr New Yrk, NY 10016 212 716-3400 http://www.abcsys.cm Grup Term Life Insurance: Table I Straddle Testing

More information

Health Savings Accounts (HSAs) Distribution Rules

Health Savings Accounts (HSAs) Distribution Rules Brught t yu by Haylr, Freyer & Cn, Inc. Health Savings Accunts (HSAs) Distributin Rules A Health Savings Accunt (HSA) is a trust r accunt used t pay medical expenses that a high deductible health plan

More information

Table of Contents. This document is for informational purposes only. MICROSOFT MAKES NO WARRANTIES, EXPRESS OR IMPLIED, IN THIS SUMMARY.

Table of Contents. This document is for informational purposes only. MICROSOFT MAKES NO WARRANTIES, EXPRESS OR IMPLIED, IN THIS SUMMARY. Table f Cntents Tp Pricing and Licensing Questins... 2 Why shuld custmers be excited abut Micrsft SQL Server 2012?... 2 What are the mst significant changes t the pricing and licensing fr SQL Server?...

More information

Privacy Policy. The Central Equity Group understands how highly people value the protection of their privacy.

Privacy Policy. The Central Equity Group understands how highly people value the protection of their privacy. Privacy Plicy The Central Equity Grup understands hw highly peple value the prtectin f their privacy. Fr that reasn, the Central Equity Grup takes particular care in dealing with any persnal and sensitive

More information

The Ohio Board of Regents Credit When It s Due process identifies students who

The Ohio Board of Regents Credit When It s Due process identifies students who Credit When It s Due/ Reverse Transfer FAQ fr students Ohi is participating in a natinal grant initiative, Credit When It s Due, designed t implement reverse-transfer, which is a prcess t award assciate

More information

australian nursing federation

australian nursing federation australian nursing federatin Submissin t the public cnsultatin n the Nursing and Midwifery Bard f Australia draft Guidelines fr prfessinal indemnity insurance arrangements fr nurses and nurse practitiners

More information

Travel Insurance. Is your insurance company listening to you? Handbook on

Travel Insurance. Is your insurance company listening to you? Handbook on Is yur insurance cmpany listening t yu? If yur cmplaints have nt been addressed by yur insurance cmpany, please cntact t register yur cmplaints and track their status r yu may email us at cmplaints@irda.gv.in

More information

INCOME TAX INSURANCE PERSONAL SICKNESS AND ACCIDENT INSURANCE TAKEN OUT BY EMPLOYEE WITH EMPLOYER PAYING THE PREMIUMS ON EMPLOYEE S BEHALF

INCOME TAX INSURANCE PERSONAL SICKNESS AND ACCIDENT INSURANCE TAKEN OUT BY EMPLOYEE WITH EMPLOYER PAYING THE PREMIUMS ON EMPLOYEE S BEHALF QUESTION WE VE BEEN ASKED QB 15/09 INCOME TAX INSURANCE PERSONAL SICKNESS AND ACCIDENT INSURANCE TAKEN OUT BY EMPLOYEE WITH EMPLOYER PAYING THE PREMIUMS ON EMPLOYEE S BEHALF All legislative references

More information

Wage & Hour Self-Audit Checklist

Wage & Hour Self-Audit Checklist This dcument is nly intended t give the reader an example f types f questins r issues that may arise in an audit by the Department f Labr. All readers are encuraged t speak with a qualified labr law attrney

More information

Frequently Asked Questions about the Faith A. Fields Nursing Scholarship Loan

Frequently Asked Questions about the Faith A. Fields Nursing Scholarship Loan ARKANSAS STATE BOARD OF NURSING 1123 S. University Avenue, Suite 800, University Twer Building, Little Rck, AR 72204 Phne: (501) 686-2700 Fax: (501) 686-2714 www.arsbn.rg Frequently Asked Questins abut

More information

Creating an Ethical Culture and Protecting Your Bottom Line:

Creating an Ethical Culture and Protecting Your Bottom Line: Creating an Ethical Culture and Prtecting Yur Bttm Line: Best Practices fr Crprate Cdes f Cnduct Nte: The infrmatin belw and all infrmatin n this website is nt meant t be taken as legal advice. Please

More information

Johnston Public Schools Special Education Procedural Manual. IEP Overview

Johnston Public Schools Special Education Procedural Manual. IEP Overview Jhnstn Public Schls Special Educatin Prcedural Manual IEP Overview Definitin The Individualized Educatin Prgram (IEP) is a written plan fr the apprpriate educatin f students with disabilities. It is a

More information

Insurance Frequently Asked Questions

Insurance Frequently Asked Questions Insurance FrequentlyAskedQuestins MEMBERSINSURANCECOVERAGE Whataremembers(bthcmpetitinandrecreatin)cveredfr? Pleaseseetheattachedflyer Isthereadifferencebetweenarecreatinalmemberandcmpetitinmember? N Frmwhatagetwhatagearememberscveredbyinsurance?

More information

FORM ADV (Paper Version) UNIFORM APPLICATION FOR INVESTMENT ADVISER REGISTRATION AND REPORT FORM BY EXEMPT REPORTING ADVISERS

FORM ADV (Paper Version) UNIFORM APPLICATION FOR INVESTMENT ADVISER REGISTRATION AND REPORT FORM BY EXEMPT REPORTING ADVISERS APPENDIX A FORM ADV (Paper Versin) UNIFORM APPLICATION FOR INVESTMENT ADVISER REGISTRATION AND REPORT FORM BY EXEMPT REPORTING ADVISERS Frm ADV: General Instructins Read these instructins carefully befre

More information

Investment Adviser Switch Workshop

Investment Adviser Switch Workshop Investment Adviser Switch Wrkshp Investment Adviser Registratin, Renewal, Amendment And Pst-Registratin Requirements Presented by Office f the Attrney General Maryland Divisin f Securities 1 Registratin

More information

IMMIGRATION SPONSORSHIP FOR FULL- TIME INTERNATIONAL HUMAN RESOURCES AND ORGANIZATIONAL DEVELOPMENT POLICY No. 109

IMMIGRATION SPONSORSHIP FOR FULL- TIME INTERNATIONAL HUMAN RESOURCES AND ORGANIZATIONAL DEVELOPMENT POLICY No. 109 IMMIGRATION SPONSORSHIP FOR FULL- TIME INTERNATIONAL HUMAN RESOURCES AND ORGANIZATIONAL DEVELOPMENT POLICY N. 109 SECTION I PURPOSE OF THE POLICY Champlain Cllege seeks t attract and retain the mst qualified

More information

STANDARDS OF THE MINNESOTA LEMON LAW

STANDARDS OF THE MINNESOTA LEMON LAW STANDARDS OF THE MINNESOTA LEMON LAW The fllwing is a brief explanatin f mst relevant prvisins f the Minnesta lemn law. The cmplete text f the lemn law can be fund at Minn. Stat. Ann Sec. 325F.665. VEHICLES

More information

Register with Disability Services as a qualified person with a disability under the Americans with Disabilities Act (ADA) of 1990.

Register with Disability Services as a qualified person with a disability under the Americans with Disabilities Act (ADA) of 1990. Assistance Animal Plicy and Agreement RESIDENTIAL LIFE Residential Life Assistance Animal Plicy UMass prvides reasnable accmmdatins t n-campus residents with a dcumented disability. University plicy allws

More information

High Deductible Health Plan/ Health Savings Account Presentation

High Deductible Health Plan/ Health Savings Account Presentation High Deductible Health Plan/ Health Savings Accunt Presentatin WHY CHANGE? Future plan structured s emplyees will think and act differently Prmte preventin and getting healthier Prmtes cnsumerism Current

More information

HOW TO SELECT A LIFE INSURANCE COMPANY

HOW TO SELECT A LIFE INSURANCE COMPANY HOW TO SELECT A LIFE INSURANCE COMPANY There will prbably be hundreds f life insurance cmpanies t chse frm when yu decide t purchase a life insurance plicy. Hw d yu decide which ne? Mst cmpanies are quite

More information

UNIVERSITY OF WINCHESTER

UNIVERSITY OF WINCHESTER UNIVERSITY OF WINCHESTER INTRODUCTION DEBT MANAGEMENT POLICY: STUDENTS ACADEMIC YEAR 15/16 This dcument sets ut the plicy f the University in relatin t student debt, alng with the debt management prcedures

More information

FINANCIAL OPTIONS. 2. For non-insured patients, payment is due on the day of service.

FINANCIAL OPTIONS. 2. For non-insured patients, payment is due on the day of service. FINANCIAL OPTIONS 1. Fr thse patients wh carry dental insurance, all c-payments are due n date f service. We will file yur claim as a service t yu, and will d ur very best t maximize yur benefits. We accept

More information

Municipal Advisor Registration

Municipal Advisor Registration FACT SHEET Municipal Advisr Registratin SEC Open Meeting Sept. 18, 2013 The Securities and Exchange Cmmissin tday will cnsider whether t adpt a rule that wuld establish a permanent registratin regime fr

More information

Beyond the Binary. Gender Issues in Employment and Practice

Beyond the Binary. Gender Issues in Employment and Practice Beynd the Binary Gender Issues in Emplyment and Practice S Gals Understand the distinctin between gender and sex Understand the unique challenges faced by LGBT and gender variant emplyees Understand relevant

More information

What Happens To My Benefits If I Get a Bunch of Money? TANF Here is what happens if you are on the TANF program when you get lump-sum income:

What Happens To My Benefits If I Get a Bunch of Money? TANF Here is what happens if you are on the TANF program when you get lump-sum income: 126 Sewall Street Augusta, Maine 04330-6822 TTY/Vice: (207) 626-7058 Fax: (207) 621-8148 www.mejp.rg What Happens T My Benefits If I Get a Bunch f Mney? Each prgram, (TANF, SSI, MaineCare, etc.) has its

More information

WHAT YOU NEED TO KNOW ABOUT. Protecting your Privacy

WHAT YOU NEED TO KNOW ABOUT. Protecting your Privacy WHAT YOU NEED TO KNOW ABOUT Prtecting yur Privacy YOUR PRIVACY IS OUR PRIORITY Credit unins have a histry f respecting the privacy f ur members and custmers. Yur Bard f Directrs has adpted the Credit Unin

More information

Coordinating Dual Eligibles Medicare and Medicaid Managed Medical Assistance Benefits

Coordinating Dual Eligibles Medicare and Medicaid Managed Medical Assistance Benefits Crdinating Dual Eligibles Medicare and Medicaid Managed Medical Assistance Benefits Medicare beneficiaries wh have limited incme and resurces may get help paying fr their Medicare premiums and ut-f-pcket

More information

Compensation Texas Tax Code 171.1013 Rule 3.589

Compensation Texas Tax Code 171.1013 Rule 3.589 Cmpensatin Texas Tax Cde 171.1013 Rule 3.589 Presented by: Franchise Tax Plicy Staff Organizer: Janet Spies Panelists: Teresa Bstick, Claire Jamal, Jerry Oxfrd, Jennifer Specchi, and Bill Yrk Margin Cmpensatin

More information

University of Texas at Tyler 2015-2016 Special Circumstances Request Independent Student

University of Texas at Tyler 2015-2016 Special Circumstances Request Independent Student University f Texas at Tyler 2015-2016 Special Circumstances Request Independent Student Student Name: ID#: Sectin I. In accrdance with Federal regulatins, student and spuse 2014 incme is used t determine

More information

PLANNING FOR QUALITY CARE AND INDEPENDENCE. Why you need to plan for long-term care assistance, and what funding options are available.

PLANNING FOR QUALITY CARE AND INDEPENDENCE. Why you need to plan for long-term care assistance, and what funding options are available. PLANNING FOR QUALITY CARE AND INDEPENDENCE Why yu need t plan fr lng-term care assistance, and what funding ptins are available. PLANNING FOR QUALITY CARE AND INDEPENDENCE The value f planning ahead The

More information

0820.02 Workers Disability Compensation Claims Procedures Issued: January 1, 1994 Revised: March 29, 2012

0820.02 Workers Disability Compensation Claims Procedures Issued: January 1, 1994 Revised: March 29, 2012 State f Michigan Administrative Guide t State Gvernment 0820.02 Wrkers Disability Cmpensatin Claims Prcedures Issued: January 1, 1994 Revised: March 29, 2012 SUBJECT: APPLICATION: PURPOSE: CONTACT AGENCY:

More information

I. POLICY. their individual assets.

I. POLICY. their individual assets. PRINCIPLES AND PRACTICES BOARD SAMPLE 501(c)(3) HOSPITAL CHARITY CARE AND FINANCIAL ASSISTANCE POLICY AND PROCEDURES The Principles and Practices Bard (P&P Bard) undertk develping an illustrative plicy

More information

Insurance Toolkit for Landcare Groups in NSW P a g e 1

Insurance Toolkit for Landcare Groups in NSW P a g e 1 Insurance Tlkit fr Landcare Grups in NSW P a g e 1 FOREWARD This tlkit has been prepared t prvide guidance n insurance issues relating t Landcare grups in New Suth Wales. This kit is nt regarded as legal

More information

PRIVACY POLICY. This Privacy Policy describes how and when Pole Star USA, Inc. ( Pole Star ) collects, uses and

PRIVACY POLICY. This Privacy Policy describes how and when Pole Star USA, Inc. ( Pole Star ) collects, uses and PRIVACY POLICY This Privacy Plicy describes hw and when Ple Star USA, Inc. ( Ple Star ) cllects, uses and shares yur infrmatin when yu use Ple Star s NAO Clud Platfrm, which includes the Ple Star website

More information

Kronos Workforce Timekeeper Frequently Asked Questions

Kronos Workforce Timekeeper Frequently Asked Questions Krns Wrkfrce Timekeeper Frequently Asked Questins 1. I d nt have the Emplyee Time Reprting ptin listed in my Agra menu. What d I d? If yu are a new emplyee and can t see yur emplyee timecard, cnfirm with

More information

WORKPLACE INJURY/ILLNESS/INCIDENT INVESTIGATION & REPORTING POLICY (BC VERSION)

WORKPLACE INJURY/ILLNESS/INCIDENT INVESTIGATION & REPORTING POLICY (BC VERSION) WORKPLACE INJURY/ILLNESS/INCIDENT INVESTIGATION & REPORTING POLICY (BC VERSION) Intrductin: Hw t Use This Tl As d all ther jurisdictins, BC requires emplyers t investigate and reprt specific kinds f wrkplace

More information