Hospital Workers Compensation Benchmark Study

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Hospital Workers Compensation Benchmark Study"

Transcription

1

2 Hospital Workers Compensation Benchmark Study P R E S E N T E D B Y B E E C H E R C A R L S O N I N S U R A N C E S E R V I C E S Beecher Carlson is pleased to present this fourth edition of the Hospital Workers Compensation Benchmark Study. We appreciate the opportunity and strive to continuously demonstrate value and support for the hospital industry through our efforts in developing this analysis. We applaud and appreciate the efforts of all participants and look forward to further discussions around the implementation and execution of strategies driven by the findings of this Study. Identifying the key elements that drive organizations total cost of risk and developing strategies to reduce those costs are shared objectives for the entire industry. We welcome the opportunity to discuss what this information may mean for your company specifically and to identify methods and opportunities for reducing claims. The frequency and severity of claims are the key drivers of costs for workers compensation. This Study will provide a variety of methods to measure and review both. Simply put, if you can have fewer claims that cost less on average, you will reduce your organization s overall costs. Beyond these foundational measurements, we begin to consider the frequency of severe claims, as well as the other key performance indicators specifically related to workers compensation costs overall. SCOPE OF STUDY The 2013 Benchmark Study includes claim information from 2007 through 2011 and valued in late 2012 representing: More than 600 hospitals in 41 states Nearly 650,000 employees 155,000 Non-Zero Claims over the five year period 26,000 Lost Time Claims More than $1 billion in incurred and $846 million in paid workers' compensation losses Key Observations Frequency of claims in 2007 compared to 2011 and as measured against Payroll is down by 9.6% and as measured by Manhour is down by more than 4%. Frequency of claims resulting in lost time from work or indemnity payments as measured against Payroll is down by 33% and as measured by Manhour is down by 20% comparing 2007 to Claim severity on average is up by 10% for Non- Zero Claims over the five year period. Claim severity increases the later the claim is reported to the carrier or administrator. An opportunity exists to reduce the average cost per claim by more than 13% by having them reported within the first seven days for Lost Time Claims. Beecher Carlson Six Concourse Parkway, Suite 2300, Atlanta, GA beechercarlson.com Page 1

3 The Data Frequency Frequency per $1 Million Payroll (Non-Zero) 28.6% reduction in frequency per $1million Payroll noted between 2007 and The key factor in reducing the overall cost of workers compensation claims is to reduce the frequency at which those claims occur. The chart above illustrates claim frequency relative to Payroll. Since claims are generally reported within the same policy year, there s less of an impact on the newness of the data and the typical claims development as the accident-year matures. While there is a nearly 28.6% reduction in the frequency of claims relative to Payroll over the five year period, it is important to take into consideration the increase in Payroll over that same period of time. As the rate of pay increases, the denominator would also increase thus possibly causing an apparent reduction in the frequency rate per Payroll. Frequency per 100,000 Manhours (Non-Zero) 16.7% reduction in frequency compared to Manhours reduces the likelihood the increase in pay has a significant impact and illustrates a reduction in the frequency of claims. In order to mitigate the impact of increased pay over the five year period, we measured frequency relative to Manhours worked. This measurement shows a nearly 17% reduction over the five years in frequency of the Non-Zero Claims. This reduces the likelihood increased pay was responsible for the downward trend and supports a true reduction in frequency. Beecher Carlson Six Concourse Parkway, Suite 2300, Atlanta, GA beechercarlson.com Page 2

4 Frequency per $1,000,000 Payroll (Lost Time) Over the same five year period, the frequency of Lost Time claims is down 33%. Due to the variability between reserving philosophies, reporting requirements and the numerous methods for handling medical only losses, Non-Zero Claims can be a less than accurate measurement of frequency. While it is important to utilize it for each individual organization, the following analysis of the frequency of Lost Time Claims may be more helpful in order to provide the greatest insight from the figures considered. During the same five years, we see a 33% reduction in the frequency of Lost Time Claims from 2007 to 2011 when measured against Payroll, moving from 0.21 Lost Time Claims for every $1 million in Payroll to 0.14 claims. Frequency per 100,000 Manhours (Lost Time) When compared to Manhours, the reduction is only 20.3% thus removing the possible effect of increased pay during the same time period. Just as with the earlier analysis against Payroll, it is important to consider the impact of increased pay during that same period of time and measure frequency against Manhours worked. Similar to the findings in the Non-Zero Claims, the rate of frequency for Lost Time Claims shows a similar 20.3% reduction from 0.59 claims for every 100,000 Manhours worked to 0.47 claims over the five year period. Beecher Carlson Six Concourse Parkway, Suite 2300, Atlanta, GA beechercarlson.com Page 3

5 The Data Severity Medical inflation, an aging workforce, pharmaceutical costs, Medicare Set-asides, increased obesity; the list of challenges impacting our efforts to reduce the overall costs is long and difficult. While we strive to reduce the number and frequency of claims, there is a long list of factors driving the individual costs for each claim higher and higher. It is important when evaluating your organization s losses that all factors be considered. Any one benchmark or measure considered alone can give a misconception of your loss prevention and mitigation efforts. For example, some organizations can experience an unexpected increase in severity with few claims but find their overall costs going down. Thus, none of the factors considered in this study or in your own organization s analysis should be evaluated without considering all factors. In measuring severity, we first analyze the average cost per Non-Zero Claim. Over the five year period, this figure is just under $7,000 per claim with 2011 being around $5,772. We would expect the most recent year to be the lowest as these figures are undeveloped actual costs. This lower figure illustrates the recency or green nature of the newest policy year. Average Incurred (Non-Zero) It is also important to consider the cost allocation between the three claim components; expense, medical and indemnity. The ratio between these three components is rather consistent over the five years, except for the indemnity in the most recent loss year. As claims are open longer, the payments tend to increase over time, including any settlements or payments for lost wages. Thus, we can expect to see all components increase, but the larger increases will likely be in the indemnity and medical portions. To reduce the recency effect and compare loss years on an apples-to-apples basis, we have developed the losses using country-wide loss development factors as provided by The National Council on Compensation Insurance, Inc. (NCCI). The factors allow us to develop present day incurred figures to projected ultimates. Beecher Carlson Six Concourse Parkway, Suite 2300, Atlanta, GA beechercarlson.com Page 4

6 Average Ultimate Severity Limited to $500K Average ultimate severity is up 10.2% from 2007 figures; although 2011 is projected to be slightly lower than In comparing the ultimate projected severity, there is a 10.2% increase from 2007 at $7,356 per claim to $8,109 per claim in However, there is a slight reduction from 2010 to 2011 in the ultimate severity for Non-Zero Claims. Loss Rate per $100 Payroll by Year Limited to $500K While severity is on the rise since 2007, the projected developed loss rate per Payroll is down 20.7% since To illustrate the importance of the overall picture, we considered and analyzed severity of losses in conjunction with frequency against a defined exposure base. For this analysis, we consider loss rates relative to both Payroll and Manhours. Over the last five years, the Study shows a 20.7% reduction in the rate per Payroll to an ultimate developed rate of $0.69 per $100 Payroll for The 2009 and 2010 projections are nearly identical to the projections in the prior Benchmark Study in Beecher Carlson Six Concourse Parkway, Suite 2300, Atlanta, GA beechercarlson.com Page 5

7 Ultimate Costs Per 100,000 Manhours (Non-Zero Claims) There is a projected 7.6% reduction in Ultimate Severity over the five years when measured against Manhours. Again, to mitigate the impact of Payroll increases and the possible dilution of a severity pattern due to higher compensation, we analyzed a total of costs against 100,000 Manhours for Non-Zero Claims. In considering loss costs per 100,000 Manhours worked, we find the average cost has gone from $25,149 to $23,967 over the last five years when developed using NCCI loss development factors. This is a projected reduction in severity of 7.6%. Beecher Carlson Six Concourse Parkway, Suite 2300, Atlanta, GA beechercarlson.com Page 6

8 The Data Frequency of Severity Claims Percent of Total Claim Counts by Size of Incurred Loss (Non-Zero) 4.3% 1.5% Over 94% of all claims have incurred values less than $25, % 0-25K K >100K When addressing the overall cost of risk, it is essential to clarify and understand what claims are driving your organization s costs. In analyzing the losses for the Study, we found that 94% of all Non-Zero Claims had total incurred values of $25,000 or less. Incurred Percent of Total Incurred Loss by Size of Incurred Loss (Non-Zero) 26.6% 73.4% of incurred costs for the Non- Zero claims comes from claims valued greater than $25, % 32.6% 0-25K K >100K This means approximately 6% of all Non-Zero Claims having incurred values greater than $25,000 account for more than 73% of all costs! As we develop strategies to reduce costs, this shifts our efforts and focus to identify the factors that can impact and reduce the severity of that body of claims. Beecher Carlson Six Concourse Parkway, Suite 2300, Atlanta, GA beechercarlson.com Page 7

9 Percent of Lost Time Claims to Non-Zero Claims 83% Lost Time 17% Non-Zero As we strive to further identify the body of claims responsible for the greatest costs and offer the opportunity to reduce the overall cost of risk, we look to several key performance indicators that assist in the analysis of an individual organization s loss experience. It is essential in measuring the frequency of severe cases to consider those that result in time lost from work or indemnity payments relative to those that are medical only, or Non-Zero Claims without indemnity. For this year s Study, we find the ratio to be rather consistent with prior years results. Seventeen percent of all Non-Zero Claims are Lost Time Claims where some indemnity dollars were either paid or incurred. Percent of Lost Time Costs 15% Only 17% of the claims involve Lost Time, but they drive 85% of all incurred costs. Lost Time 85% Non-Zero It is just as important to recognize the impact those 17% of all claims have on the overall costs. Approximately 85% of the costs from the five year period are tied to the Lost Time Claims. This nearly inverse measure falls very much in line with the Rule and should assist in directing efforts for mitigation and cost reduction. Organizations seeing their ratio of Lost Time Claims go up can expect overall costs to increase as well. Beecher Carlson Six Concourse Parkway, Suite 2300, Atlanta, GA beechercarlson.com Page 8

10 Average Incurred Losses by Reporting Lag In addition to the benefits evident in returning employees to work or, just as importantly, keeping them at work to mitigate the overall cost of risk, there is a clear trend over the last four Studies that indicates the importance of prompt claims reporting. Every year has provided evidence that claim costs increase significantly for losses with greater lag time reporting than those addressed early and promptly. This result is in direct contrast to the expectation that the most catastrophic claims are known and reported almost immediately. The trend indicates a 22% higher incurred cost for claims reported on day s three to seven at $6,709 versus those reported in the first two days which average $5,588. More importantly, there is at least a 13% increase in the average cost of claims reported in weeks two through four compared to those in the first seven days. This means nearly 18% of the claims (almost one out of five) are incurring costs more than 13% higher on average. While the industry should celebrate that more than 90% of all claims are reported to either the carrier or Third Party Administrator (TPA) within the first 30 days, this illustrates a population of 10% of claims that might be less costly if identified and reported earlier. The potential savings should be evaluated by each organization when you consider that those claims average more than $8,000 in costs each. Beecher Carlson Six Concourse Parkway, Suite 2300, Atlanta, GA beechercarlson.com Page 9

11 The Data Causation Cause Type Analysis Comparison of Total Incurred to Number of Claims By Causation Group We performed our analysis of accident causation using claims occurring between 1/1/2007 and 12/31/2011. The workers compensation cause codes which are captured in Carrier/TPA claims systems are notorious for presenting systemic data quality issues, and our data quality assessment for this analysis revealed that reputation to be warranted. The complete set of claims data that we received contained tens of thousands of different causation codes, many of which were either free-form text, null-valued or indecipherable. To begin converting this raw data into a more useable format, we eliminated from consideration all claims which had missing, null or indecipherable values. We then further filtered our dataset so as to exclude any sources which had provided purely free-form text values for the cause code field. We recruited the assistance of our loss control consulting team in the code grouping effort. This resulted in the manual assignment of 790 unique cause code values into one of the following groups: Cut/Puncture, Environmental, Exposure Incident, Fall/Slip/Trip, Other/Not Specified, Patient Movement, Security/Other Person, Strain - Cumulative, Strain - Other, Struck by/struck Against, Tools/Equipment. A summary of the total incurred values for the five most frequently observed cause groups is displayed in the table below. We can see from the exhibit below that for the groups shown, patient movement has resulted in the highest average cost per claim. Cause Strain-Other Fall/Slip/Trip Patient Movement Exposure Incident Struck by/struck Against All Other Count 23,727 23,242 18,871 14,301 13,203 34,106 Total $229.8M $228.4M $191.1M $12.1M $52.2 $199.3M Average $9,686 $9,827 $10,127 $844 $3,955 $7,536 Beecher Carlson Six Concourse Parkway, Suite 2300, Atlanta, GA beechercarlson.com Page 10

12 Employee Age Analysis The data we received which is required for computing the employee age variable was fairly complete, and appeared to be of a reasonably high quality. For this portion of our analysis, we eliminated from consideration any claims with missing age values as well as any claims which we felt likely had miscoded employee age values (specifically, those claims with an employee age less than 16 or greater than 89). We performed our employee age analysis by generating the following trend breakdown by accident year. Since we defined employee age as being (date of loss employee date of birth)/365.25, we can assume that these values are decisively known at the time of reporting and therefore do not need to be developed in any manner to provide valid inferences Median Mean Beecher Carlson Six Concourse Parkway, Suite 2300, Atlanta, GA beechercarlson.com Page 11

13 Average Claimant Age by Accident Year To investigate the spread of employee ages and how they interact with the different cause types, we generated the following exhibit. This table shows the mean employee age by cause group (defined using the methodology described earlier), along with the 25 th, 50 th and 75 th employee age percentiles for each group. Employee Age Cause 25 th Percentile 50 th Percentile (Median) 75 th Percentile Mean All Other Struck by/struck Against Exposure Incident Patient Movement Fall/Slip/Trip Strain Other **We can see from the table above that the Fall/Slip/Trip peril affected a significantly older population of claimants than did any of the other accident cause types (50% of the Fall/Slip/Trip claimants were over 49.5 years old, and 25% of the Fall/Slip/Trip claimants were over 56.6 years old). **We can also see that the claimants suffering from Exposure Incident injuries tended to be younger than other claimants, with 25% of them being younger than 28.4 years old. Beecher Carlson Six Concourse Parkway, Suite 2300, Atlanta, GA beechercarlson.com Page 12

14 The Data Jurisdiction Ultimately, many organizations face challenges specific to their individual jurisdictions and locations. Pay rates, compensation laws, compensability issues and the court system can further impact results and costs. While there are opportunities still to address all the prior elements, all must be tempered with an awareness and understanding of the laws and statutes of each state. To consider the possible impact of each state s laws, we calculated the average claim severity for all Non- Zero and Lost Time Claims. Each state s figures are broken down into paid and outstanding for a total incurred value and then ranked from highest to lowest in average severity. Average Non-Zero Incurred ( ) ALL AK CA WI IL MN NY OK LA MD OR NH WA ID SC GA VA AL PA IN MO FL NM CT MI MS CO TN UT AZ KS AR KY WV NV TX $5,437 $9,157 $9,056 $7,188 $7,001 $7,373 $7,316 $7,282 $7,326 $6,428 $5,858 $5,234 $5,768 $5,630 $5,252 $4,919 $5,309 $4,642 $4,834 $4,243 $4,761 $4,305 $4,096 $4,503 $4,080 $3,533 $3,516 $2,957 $3,029 $2,799 $3,177 $2,844 $2,725 $317 $665 $557 $767 $315 $353 $104 $8,563 $1,172 $12,360 $11,179 $534 $644 $601 $689 $295 $751 $455 $1,006 $388 $737 $588 $163 $550 $575 $2,287 $1,656 $1,134 $1,027 $723 $457 $867 $552 $1,165 $4,714 $1,268 $3,175 $1,355 $1,148 $0 $2,000 $4,000 $6,000 $8,000 $10,000 $12,000 $14,000 Average Paid Average Outstanding Average cost of Non-Zero Incurred claims for all states noted is $6,609. It is essential that severity, just like in prior discussions, not be considered alone or factored in as one element. Further, due to the limited volume of claims data in certain states, we have only included states in this analysis where we had at least 500 Non-Zero Claims and 50 Lost Time Claims. Beecher Carlson Six Concourse Parkway, Suite 2300, Atlanta, GA beechercarlson.com Page 13

15 To eliminate the impact of reserving differences based on specific claims handling criteria in certain regions and organizations as well as to address those Lost Time Claims driving a majority of the costs, we also reviewed and analyzed the average costs for Lost Time Claims over the five years. Average Incurred Lost Time Claim ( ) ALL VA SC GA IL PA OK CA LA NM FL CO KS AK TN KY NY MN AL MS UT NV IN MT ID MO WI DC CT AZ MD MI OR WV WA $26,237 $24,892 $25,640 $27,566 $27,503 $26,692 $24,813 $25,126 $25,940 $21,681 $23,785 $21,456 $22,404 $20,050 $20,968 $19,903 $17,734 $17,185 $17,929 $17,207 $14,747 $41,135 $56,110 $44,679 $34,968 $41,774 $36,875 $28,511 $36,362 $30,965 $35,487 $36,648 $28,697 $32,871 $31,006 $4,279 $1,886 $5,325 $2,784 $4,341 $2,811 $2,983 $1,997 $2,602 $2,720 $3,254 $2,298 $1,833 $1,745 $6,634 $10,089 $13,980 $5,023 $7,124 $9,622 $16,687 $6,450 $9,343 $4,432 $1,687 $8,461 $3,248 $5,084 $9,392 $8,609 $4,428 $3,955 $4,633 $5,097 $8,485 $0 $10,000 $20,000 $30,000 $40,000 $50,000 $60,000 $70,000 Average Paid Average Outstanding The average incurred Lost Time claim value is $32,871. Beecher Carlson Six Concourse Parkway, Suite 2300, Atlanta, GA beechercarlson.com Page 14

16 Beecher Carlson Six Concourse Parkway, Suite 2300, Atlanta, GA beechercarlson.com Page 15

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: Licensure Endorsement

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: Licensure Endorsement The table below lists the licensure requirements for already-licensed PTs and PTAs applying for licensure in another jurisdiction. Summary Number of jurisdictions requiring license from: license was ever

More information

Florida Workers Comp Market

Florida Workers Comp Market Florida Workers Comp Market 10/5/10 Lori Lovgren 561-893-3337 Lori_Lovgren@ncci.com Florida Workers Compensation Rates 10-1-03 1-1-11 to 1-1-11* Manufacturing + 9.9% 57.8% Contracting + 7.3% 64.4 % Office

More information

Montana Workers Compensation

Montana Workers Compensation Montana Workers Compensation Part 1 - Ratemaking Overview Copyright 2013 National Council on Compensation Insurance, Inc. All Rights Reserved. Mike_Taylor@ncci.com 503-892-1858 WC Ratemaking Basics Where

More information

Florida Workers Compensation Market

Florida Workers Compensation Market Florida Workers Compensation Market Lori Lovgren Lori_Lovgren@NCCI.com 561-893-3337 Copyright 2011 National Council on Compensation Insurance, Inc. All Rights Reserved. Florida Workers Compensation Rates

More information

U.S. Department of Housing and Urban Development: Weekly Progress Report on Recovery Act Spending

U.S. Department of Housing and Urban Development: Weekly Progress Report on Recovery Act Spending U.S. Department of Housing and Urban Development: Weekly Progress Report on Recovery Act Spending by State and Program Report as of 3/7/2011 5:40:51 PM HUD's Weekly Recovery Act Progress Report: AK Grants

More information

Other State Policy. CA Policy. Increase Requested

Other State Policy. CA Policy. Increase Requested Rate History Contact: 1 (800) 331-1538 Form * ** Date Date Name 1 NH94 I D 9/14/1998 N/A N/A N/A 35.00% 20.00% 1/25/2006 3/27/2006 8/20/2006 2 LTC94P I F 9/14/1998 N/A N/A N/A 35.00% 20.00% 1/25/2006 3/27/2006

More information

Florida 1/1/2015 Workers Compensation Rate Filing

Florida 1/1/2015 Workers Compensation Rate Filing Florida 1/1/2015 Workers Compensation Rate Filing Kirt Dooley, FCAS, MAAA October 14, 2014 1 $ Billions 3.5 3.0 2.5 2.0 1.5 1.0 0.5 0.873 0.106 Florida s Workers Compensation Premium Volume 2.681 2.368

More information

FILING MEMORANDUM ITEM U-1399A REVISIONS TO STATISTICAL PLAN FOR WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE AMENDED PENSION TABLE VALUES

FILING MEMORANDUM ITEM U-1399A REVISIONS TO STATISTICAL PLAN FOR WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE AMENDED PENSION TABLE VALUES (Applies in: AK, AL, AR, AZ, CO, CT, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MO, MS, MT, NE, NH, NM, NV, OK, OR, RI, SC, SD, TN, UT, VA, VT, WV) PAGE 1 FILING MEMORANDUM To become effective

More information

State of the Workers Compensation Market

State of the Workers Compensation Market State of the Workers Compensation Market and Recent Experience Rating Changes Presented by: Tony DiDonato, FCAS, MAAA Director & Senior Actuary, NCCI CASE Spring Meeting March 27, 2013 Nashville, TN Workers

More information

State Corporate Income Tax-Calculation

State Corporate Income Tax-Calculation State Corporate Income Tax-Calculation 1 Because it takes all elements (a*b*c) to calculate the personal or corporate income tax, no one element of the corporate income tax can be analyzed separately from

More information

New York Public School Spending In Perspec7ve

New York Public School Spending In Perspec7ve New York Public School Spending In Perspec7ve School District Fiscal Stress Conference Nelson A. Rockefeller Ins0tute of Government New York State Associa0on of School Business Officials October 4, 2013

More information

Regional Electricity Forecasting

Regional Electricity Forecasting Regional Electricity Forecasting presented to Michigan Forum on Economic Regulatory Policy January 29, 2010 presented by Doug Gotham State Utility Forecasting Group State Utility Forecasting Group Began

More information

Table 12: Availability Of Workers Compensation Insurance Through Homeowner s Insurance By Jurisdiction

Table 12: Availability Of Workers Compensation Insurance Through Homeowner s Insurance By Jurisdiction AL No 2 Yes No See footnote 2. AK No Yes No N/A AZ Yes Yes Yes No specific coverage or rate information available. AR No Yes No N/A CA Yes No No Section 11590 of the CA State Insurance Code mandates the

More information

AmGUARD Insurance Company EastGUARD Insurance Company NorGUARD Insurance Company WestGUARD Insurance Company GUARD

AmGUARD Insurance Company EastGUARD Insurance Company NorGUARD Insurance Company WestGUARD Insurance Company GUARD About Us For over 30 years, we have protected the interests of the small- to mid-sized businesses that insure with us. At Berkshire Hathaway Insurance Companies, we dedicate our efforts in the areas that

More information

State of the Workers Compensation Market

State of the Workers Compensation Market State of the Workers Compensation Market Natasha Moore, FCAS, MAAA Practice Leader and Senior Actuary August 25, 2015 WCEC Orlando, Florida Copyright 2015 National Council on Compensation Insurance, Inc.

More information

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: Continuing Competence

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: Continuing Competence This document reports CEU requirements for renewal. It describes: Number of required for renewal Who approves continuing education Required courses for renewal Which jurisdictions require active practice

More information

Standardized Pharmacy Technician Education and Training

Standardized Pharmacy Technician Education and Training Standardized Pharmacy Technician Education and Training Kevin N. Nicholson, RPh, JD Vice President, Pharmacy Regulatory Affairs National Association of Chain Drug Stores May 19, 2009 Overview of how technicians

More information

TITLE POLICY ENDORSEMENTS BY STATE

TITLE POLICY ENDORSEMENTS BY STATE TITLE POLICY ENDORSEMENTS BY STATE State Endorsement ID Endorsement Description AK ARM ALTA 6 Adjustable (Variable) Rate AK BALLOON FNMA Balloon Endorsement AK CONDO ALTA 4 Condominium AK COPY FEE Copies

More information

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: Continuing Competence

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: Continuing Competence This document reports CEU (continuing education units) and CCU (continuing competence units) requirements for renewal. It describes: Number of CEUs/CCUs required for renewal Who approves continuing education

More information

Life Settlements Source List

Life Settlements Source List BROKERS Ashar Group LLC - Life Settlement Specialists 407-772-1818 www.ashargroup.com Except AK NH VT Except AK NH VT Varies based on current market opportunities and groups that pass Ashar s due diligence

More information

Workers Compensation: Practical Tips for Dealing With NCCI s Split Point Rating Change

Workers Compensation: Practical Tips for Dealing With NCCI s Split Point Rating Change Workers Compensation: Practical Tips for Dealing With NCCI s Split Point Rating Change November 2012 Lockton Companies A key factor in your workers compensation premium is your experience mod. The e-mod

More information

Health Workforce Data Collection: Findings from a Survey of States

Health Workforce Data Collection: Findings from a Survey of States Health Workforce Data Collection: Findings from a Survey of States Jean Moore, DrPH David Armstrong, PhD Health Workforce Technical Assistance Center School of Public Health University at Albany, SUNY

More information

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: PTA Supervision Requirements

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: PTA Supervision Requirements These tables provide information on what type of supervision is required for PTAs in various practice settings. Definitions Onsite Supervision General Supervision Indirect Supervision The supervisor is

More information

Table 11: Residual Workers Compensation Insurance Market By Jurisdiction

Table 11: Residual Workers Compensation Insurance Market By Jurisdiction Table 11: Residual Workers Market By AL Yes/NCCI 3 Two declination AK Yes/NCCI Two declination AZ Yes/NCCI Three declination, including one from the State Fund Agent/ ()/ Access? 4 Recommend NWCRP Recommend

More information

Examining Costs and Trends of Workers Compensation Claims

Examining Costs and Trends of Workers Compensation Claims Consulting Actuaries Examining Costs and Trends of Workers Compensation Claims in Connecticut Authors Scott J. Lefkowitz, FCAS, MAAA, FCA Eric. J. Hornick, FCAS, MAAA, FCA Contents 1. Introduction 1 2.

More information

Understanding Payroll Recordkeeping Requirements

Understanding Payroll Recordkeeping Requirements Understanding Payroll Recordkeeping Requirements 1 Presented by Sally Thomson, CPP Directory of Payroll Training American Payroll Association sthomson@americanpayroll.org 2 Agenda Recordkeeping Requirements

More information

NAAUSA Security Survey

NAAUSA Security Survey NAAUSA Security Survey 1. How would you rate the importance of each of the following AUSA security improvements. Very important Somewhat important Not too important Not at all important Secure parking

More information

Don t Just Speculate, Investigate!

Don t Just Speculate, Investigate! 2013 Annual Issues Symposium Don t Just Speculate, Investigate! The Story Behind the PEO Study Harry Shuford Practice Leader and Chief Economist May 16, 2013 The Story Behind the PEO Study What Are They

More information

Payroll Tax Chart Results

Payroll Tax Chart Results Payroll Tax Chart Results Terminated Employee -- Involuntary Terminated Employee -- Vacation Pay Terminated Employee -- Voluntary Taxing Authority Federal Payment Date for Involuntary Termination No provision

More information

NHIS State Health insurance data

NHIS State Health insurance data State Estimates of Health Insurance Coverage Data from the National Health Interview Survey Eve Powell-Griner SHADAC State Survey Workshop Washington, DC, January 13, 2009 U.S. DEPARTMENT OF HEALTH AND

More information

Aon Risk Solutions Experience Modification Rating An Accurate Measure of Safety?

Aon Risk Solutions Experience Modification Rating An Accurate Measure of Safety? Aon Risk Solutions Experience Modification Rating An Accurate Measure of Safety? Rick Church, CSP, ARM, Director, Risk Control Services Aon Risk Solutions Construction Services Group 1901 Main Street,

More information

When Medicare-Medicaid enrollees lose their Medicaid coverage: Who loses it, for how long, and what are the consequences?

When Medicare-Medicaid enrollees lose their Medicaid coverage: Who loses it, for how long, and what are the consequences? When Medicare-Medicaid enrollees lose their Medicaid coverage: Who loses it, for how long, and what are the consequences? Gerald Riley Lirong Zhao Negussie Tilahun Medicare-Medicaid enrollees Vulnerable

More information

Professional Employer Organizations (PEO) and Workers Compensation. Implications for Ratemaking

Professional Employer Organizations (PEO) and Workers Compensation. Implications for Ratemaking Professional Employer Organizations (PEO) and Workers Compensation Implications for Ratemaking Harry Shuford Practice Leader & Chief Economist, NCCI Use of Workers Compensation Data for Workplace Safety

More information

Effects of Booster Seat Laws on Injury Risk Among Children in Crashes

Effects of Booster Seat Laws on Injury Risk Among Children in Crashes Effects of Booster Seat Laws on Injury Risk Among Children in Crashes SAE Government / Industry Meeting Washington, DC January 26, 2012 Angela H. Eichelberger, Ph.D. Co-authors Aline O. Chouinard Jessica

More information

Download at www.iii.org/presentations

Download at www.iii.org/presentations Residual Markets, Uninsured Motorists and Competition in Maryland Auto Insurance Maryland Auto Insurance Plan Senate Hearing on Uninsured Motorists Annapolis, MD December 16, 2015 Download at www.iii.org/presentations

More information

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: License Renewal Who approves courses?

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: License Renewal Who approves courses? Federation of State s of Physical The table below provides information on approval of continuing education/competence courses and for each jurisdiction. Summary Number of jurisdictions requiring approval

More information

The Lincoln National Life Insurance Company Variable Life Portfolio

The Lincoln National Life Insurance Company Variable Life Portfolio The Lincoln National Life Insurance Company Variable Life Portfolio State Availability as of 12/14/2015 PRODUCTS AL AK AZ AR CA CO CT DE DC FL GA GU HI ID IL IN IA KS KY LA ME MP MD MA MI MN MS MO MT NE

More information

LexisNexis Law Firm Billable Hours Survey Report

LexisNexis Law Firm Billable Hours Survey Report LexisNexis Law Firm Billable Hours Survey Report Executive Summary Despite the critical impact on a firm s bottom line, it remains challenging for some attorneys and legal staff to efficiently capture

More information

The New Workers Compensation Experience Mod. Billy Smith EVP, Risk Management Pete Bellnier, Sr. Underwriter, Workers Compensation

The New Workers Compensation Experience Mod. Billy Smith EVP, Risk Management Pete Bellnier, Sr. Underwriter, Workers Compensation The New Workers Compensation Experience Mod Billy Smith EVP, Risk Management Pete Bellnier, Sr. Underwriter, Workers Compensation 1 Why is There an E-Mod? Industry Standard Individual Employer s Published

More information

Nurse Practitioners and Physician Assistants in the United States: Current Patterns of Distribution and Recent Trends. Preliminary Tables and Figures

Nurse Practitioners and Physician Assistants in the United States: Current Patterns of Distribution and Recent Trends. Preliminary Tables and Figures Nurse Practitioners and Physician Assistants in the United States: Current Patterns of Distribution and Recent Trends Preliminary Tables and Figures Kevin M. Stange, PhD Assistant Professor Gerald R. Ford

More information

State Survey Results MULTI-LEVEL LICENSURE TITLE PROTECTION

State Survey Results MULTI-LEVEL LICENSURE TITLE PROTECTION MULTI-LEVEL LICENSURE TITLE PROTECTION Prior AK MN TN MO AL MO KY VA AZ MS MO DC NYC NE HI ME OR IA RI PA IL TX VA KS WA LA WI MA WV Prior AK ME OR TN AL MI PA HI CO MS FL DC NC MN IA NE UT IL NV WA IN

More information

AN INSIDE LOOK AT SOCIAL RECRUITING IN THE USA

AN INSIDE LOOK AT SOCIAL RECRUITING IN THE USA AN INSIDE LOOK AT SOCIAL RECRUITING IN THE USA THE BULLHORN REACH RANKINGS REPORT TM WWW.BULLHORNREACH.COM @BULLHORNREACH JUNE 2012 COPYRIGHT 2012 BULLHORN, INC. ALL RIGHTS RESERVED. EXECUTIVE SUMMARY

More information

VCF Program Statistics (Represents activity through the end of the day on June 30, 2015)

VCF Program Statistics (Represents activity through the end of the day on June 30, 2015) VCF Program Statistics (Represents activity through the end of the day on June 30, 2015) As of June 30, 2015, the VCF has made 12,712 eligibility decisions, finding 11,770 claimants eligible for compensation.

More information

ehealth Price Index Trends and Costs in the Short-Term Health Insurance Market, 2013 and 2014

ehealth Price Index Trends and Costs in the Short-Term Health Insurance Market, 2013 and 2014 ehealth Price Index Trends and Costs in the Short-Term Health Insurance Market, 2013 and 2014 June 2015 1 INTRODUCTION In this report, ehealth provides an analysis of consumer shopping trends and premium

More information

Emerging Issues in Workers Compensation: Medical Marijuana

Emerging Issues in Workers Compensation: Medical Marijuana Emerging Issues in Workers Compensation: Medical Marijuana Lori Lovgren Division Executive State Relations Federal Law on Marijuana On a federal level, it s illegal to possess marijuana for any reason;

More information

Allianz Life Insurance Company of North America MasterDex X Annuity PFG Marketing Group, Inc.

Allianz Life Insurance Company of North America MasterDex X Annuity PFG Marketing Group, Inc. A Fixed Indexed Annuity with a 10-year surrender period. This product is not available in CT NY PR VI Ratings A.M. Best : A Moody's: A2 Standard & Poor's: AA Rates Current Rates 01/06/2015 Guaranteed Minimum

More information

HEALTH CARE IN RETIREMENT. GROWTH IN HEALTH CARE COSTS in the U.S. has significantly outpaced. Forces driving growth in health care spending

HEALTH CARE IN RETIREMENT. GROWTH IN HEALTH CARE COSTS in the U.S. has significantly outpaced. Forces driving growth in health care spending HEALTH CARE IN RETIREMENT GROWTH IN HEALTH CARE COSTS in the U.S. has significantly outpaced overall inflation. From 1982 to 2013, spending on health care increased at an average of 5.1%, faster than all

More information

I N T E R N A T I O N A L E X E C U T I V E S E R V I C E S T A X

I N T E R N A T I O N A L E X E C U T I V E S E R V I C E S T A X I N T E R N A T I O N A L E X E C U T I V E S E R V I C E S Taxation Without Representation: U.S. State Tax Considerations and the Globally Mobile Assignee T A X KPMG LLP ANY TAX ADVICE IN THIS COMMUNICATION

More information

States Future Economic Standing

States Future Economic Standing States Future Economic Standing if current education levels remain the same. Presentation by Joe Marks SREB Director of Data Services State Leaders Forum St. Petersburg, Florida November 17, 2004 1 The

More information

The Cost and Benefits of Individual & Family Health Insurance Plans. November 2011 2011 policies surveyed were active in February 2011

The Cost and Benefits of Individual & Family Health Insurance Plans. November 2011 2011 policies surveyed were active in February 2011 The Cost and Benefits of Individual & Family Health Insurance Plans November 2011 2011 policies surveyed were active in February 2011 Table of Contents Introduction and Background...3 Methodology Summary...3

More information

Small Business Credit Outlook

Small Business Credit Outlook 2015 Q2 Small Business Credit Outlook A Change Will Do You Good Foreign markets falling. The U.S. economy holding up relatively well due to the consumer. Technology radically changing entire industries

More information

CONTINGENT COVERAGES AVAILABLE FOR AUTO LESSORS

CONTINGENT COVERAGES AVAILABLE FOR AUTO LESSORS CONTINGENT COVERAGES AVAILABLE FOR AUTO LESSORS LESSORS CONTINGENT LIABILITY $100,000 per person, $300,000 per occurrence, Bodily Injury; and $50,000 per occurrence, Property Damage ($100/300/50). As the

More information

Dashboard. Campaign for Action. Welcome to the Future of Nursing:

Dashboard. Campaign for Action. Welcome to the Future of Nursing: Welcome to the Future of Nursing: Campaign for Action Dashboard About this Dashboard: These are graphic representations of measurable goals that the Campaign has selected to evaluate our efforts in support

More information

Student Location and Movement

Student Location and Movement Student Location and Movement Analysis from By the Numbers: Matriculating Student Survey 2014 INTRODUCTION Each year, PAEA s Matriculating Student Survey (MSS) attempts to capture a snapshot of firstyear

More information

High Risk Jurisdiction Severity Trends, Time to Closure & Obstetric Claims Trends

High Risk Jurisdiction Severity Trends, Time to Closure & Obstetric Claims Trends High Risk Jurisdiction Severity Trends, Time to Closure & Obstetric Claims Trends Analysis and Findings Provided by Beazley Group Excerpt taken from: Aon/ASHRM Hospital and Physician Professional Liability

More information

Ambulance Industry Receives Financial Relief Through the MMA

Ambulance Industry Receives Financial Relief Through the MMA Ambulance Industry Receives Financial Relief Through the MMA On June 25, 2004, the Centers for Medicare and Medicaid Services (CMS) issued Transmittal 220 to Medicare Contractors outlining changes to the

More information

The Economic Impact of Commercial Airports in 2010

The Economic Impact of Commercial Airports in 2010 The Economic Impact of Commercial Airports in 2010 January 2012 Prepared for: Airports Council International North America Prepared by: CDM Smith 8805 Governor s Hill Drive Cincinnati, Ohio 45249 Table

More information

Enrollment Snapshot of Radiography, Radiation Therapy and Nuclear Medicine Technology Programs 2013

Enrollment Snapshot of Radiography, Radiation Therapy and Nuclear Medicine Technology Programs 2013 Enrollment Snapshot of Radiography, Radiation Therapy and Nuclear Medicine Technology Programs 2013 A Nationwide Survey of Program Directors Conducted by the American Society of Radiologic Technologists

More information

Executive Summary. A national hail loss map provides a visual depiction of the volume and distribution of hail loss claims.

Executive Summary. A national hail loss map provides a visual depiction of the volume and distribution of hail loss claims. Date: Regarding: 2013-2015 United States Hail Loss Claims (Public Dissemination) Prepared By: David Fennig, Strategic Analyst Executive Summary This ForeCAST SM illustrates the trends in hail loss claims

More information

Larry R. Kaiser, MD. President The University of Texas Health Science Center at Houston

Larry R. Kaiser, MD. President The University of Texas Health Science Center at Houston Larry R. Kaiser, MD President The University of Texas Health Science Center at Houston HealthCare Workforce: UTHealth Experience CHALLENGE To train the Healthcare Workforce of the 21 st Century SOLUTIONS:

More information

What does Georgia gain. by investing in its

What does Georgia gain. by investing in its What does Georgia gain by investing in its colleges and universities 2 A tremendous return: More economic prosperity. Less government spending. A stronger competitive advantage. A higher quality of life.

More information

Trends in Medigap Coverage and Enrollment, 2011

Trends in Medigap Coverage and Enrollment, 2011 Trends in Medigap Coverage and Enrollment, 2011 May 2012 SUMMARY This report presents trends in enrollment in Medicare Supplement (Medigap) insurance coverage, using data on the number of policies in force

More information

EXAMINING COSTS AND TRENDS OF WORKERS COMPENSATION CLAIMS IN MASSACHUSETTS

EXAMINING COSTS AND TRENDS OF WORKERS COMPENSATION CLAIMS IN MASSACHUSETTS Consulting Actuaries EXAMINING COSTS AND TRENDS OF WORKERS COMPENSATION CLAIMS IN MASSACHUSETTS AUTHORS Scott J. Lefkowitz, FCAS, MAAA, FCA Steven G. McKinnon, FCAS, MAAA CONTENTS 1. INTRODUCTION 1 2.

More information

NCCI s Update on PEO Performance

NCCI s Update on PEO Performance NCCI s Update on PEO Performance Presented by; Mona Carter Senior Division Executive and Harry Shuford Practice Leader and Chief Economist August 20, 2013 Copyright 2012 National Council on Compensation

More information

Small Business Credit Outlook

Small Business Credit Outlook 2014 Q4 Small Business Credit Outlook The Growth Engine in 2015 Stock market volatility and GDP growth slowing to 2.6% lead many to believe the economy is stumbling. This problem can be attributed to a

More information

Kaiser Family Foundation/eHealthInsurance. August 2004

Kaiser Family Foundation/eHealthInsurance. August 2004 AUGUST 2004 Revised Update on Individual Health Insurance Kaiser Family Foundation/eHealthInsurance August 2004 Revised Update on Individual Health Insurance B a c k g r o u n d In recent years, President

More information

State Annual Report Due Dates for Business Entities page 1 of 10

State Annual Report Due Dates for Business Entities page 1 of 10 State Annual Report Due Dates for Business Entities page 1 of 10 If you form a formal business entity with the state, you may be required to file periodic reports on the status of your entity to preserve

More information

NCCI Filing Memorandum Item B-1420

NCCI Filing Memorandum Item B-1420 NCCI Filing Memorandum Item B-1420 NATIONAL COUNCIL ON COMPENSATION INSURANCE, INC. (Applies in: AK, AL, AR, AZ, CO, CT, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MO, MS, MT, NC, NE, NH, NM,

More information

Fixed Indexed Annuity Rates

Fixed Indexed Annuity Rates Company / Minimum Issue Ages Product Premiums Surrender Charges Last 15 Years Life of the Southwest SecurePlus Accumulator 5 Life of the Southwest SecurePlus Platinum (after 3/21/06) Fixed Indexed Annuity

More information

APICS OPERATIONS MANAGEMENT EMPLOYMENT OUTLOOK REPORT SUMMER 2013

APICS OPERATIONS MANAGEMENT EMPLOYMENT OUTLOOK REPORT SUMMER 2013 APICS OPERATIONS MANAGEMENT EMPLOYMENT OUTLOOK REPORT SUMMER 2013 1 ABOUT THIS REPORT APICS, in conjunction with the Cameron School of Business at the University of North Carolina Wilmington, is pleased

More information

Funding Your Technology and Archive Conversion Needs

Funding Your Technology and Archive Conversion Needs Funding Your Technology and Archive Conversion Needs Presented at the NACRC Legislative Conference March 5, 2011 Facilitators: Larry Burtness & Carol Foglesong Technology funding The question was asked

More information

LIMITED LIABILITY COMPANY ORGANIZATION CHART

LIMITED LIABILITY COMPANY ORGANIZATION CHART LIMITED LIABILITY COMPANY ORGANIZATION CHART The following Chart has been designed to allow you in a summary format, determine the minimum requirements to form a limited liability company in all 50 states

More information

Overview of Workers Compensation Benefits

Overview of Workers Compensation Benefits Overview of Workers Compensation Benefits Presented to the EAIC 3/30/2010 Ann Clayton Ann Clayton and Associates 1 Source: CompScope : Benchmarks 8 th Edition, The Databook, Workers Compensation Research

More information

CINCINNATI HILLS CHRISTIAN ACADEMY COLLEGE QUESTIONNAIRE FOR STUDENTS

CINCINNATI HILLS CHRISTIAN ACADEMY COLLEGE QUESTIONNAIRE FOR STUDENTS CINCINNATI HILLS CHRISTIAN ACADEMY COLLEGE QUESTIONNAIRE FOR STUDENTS Complete & bring with you to your Junior College Planning Meeting. NAME: ADDRESS: EMAIL: BIRTHDATE: PHONE #: DATE: PLEASE READ BEFORE

More information

May 17, 2012. Circular Letter No. 12-1614

May 17, 2012. Circular Letter No. 12-1614 Minnesota Workers Compensation Insurers Association, Inc. 7701 France Avenue South Suite 450 Minneapolis, MN 55435-3200 May 17, 2012 ALL ASSOCIATION MEMBERS Circular Letter No. 12-1614 RE: NCCI Item E-1402

More information

Notices of Cancellation / Nonrenewal and / or Other Related Forms

Notices of Cancellation / Nonrenewal and / or Other Related Forms Forms are listed alphabetically by form title. INDEX POLICY CODES 1. Auto 2. Fire and Multiple Peril 3. Liability 4. Property, other than Fire and Multiple Peril (e.g. Crime & Inland Marine) 5. Workers

More information

Moving TIM from Good to Great?

Moving TIM from Good to Great? FHWA Update: Traffic Incident Management Program Moving TIM from Good to Great? Iowa Traffic Safety Forum November 19, 2014 Mr. Jeff King (Retired Capt. AzDPS) Traffic Incident Management Public Safety

More information

MEDCHI, THE MARYLAND STATE MEDICAL SOCIETY HOUSE OF DELEGATES CL Report 3-13. A Fifty State Survey of Tort Reform Provisions

MEDCHI, THE MARYLAND STATE MEDICAL SOCIETY HOUSE OF DELEGATES CL Report 3-13. A Fifty State Survey of Tort Reform Provisions MEDCHI, THE MARYLAND STATE MEDICAL SOCIETY HOUSE OF DELEGATES CL Report 3-13 INTRODUCED BY: SUBJECT: REFERRED TO: Council on Legislation A Fifty State Survey of Tort Reform Provisions Reference Committee

More information

Return-to-Work Outcomes Among Social Security Disability Insurance (DI) Beneficiaries

Return-to-Work Outcomes Among Social Security Disability Insurance (DI) Beneficiaries Return-to-Work Outcomes Among Social Security Disability Insurance (DI) Beneficiaries Yonatan Ben-Shalom Arif Mamun Presented at the CSDP Forum Washington, DC September 17, 2014 Acknowledgments The research

More information

Final Expense Life Insurance

Final Expense Life Insurance Dignified Choice - Classic Series Final Expense Life Insurance Columbian Mutual Life Insurance Company Home Office: Binghamton, NY Administrative Service Office: Norcross, GA Columbian Life Insurance Company

More information

AMFMM Benchmarking Data, 2010 11

AMFMM Benchmarking Data, 2010 11 C APPENDIX AMFMM Benchmarking Data, 2010 11 Brian Iriye, MD, Chairman, AMFMM The data presented in this appendix are the results of the largest survey ever conducted to acquire facts that are specifically

More information

Broadband Technology Opportunities Program: Sustainable Broadband Adoption and Public Computer Centers

Broadband Technology Opportunities Program: Sustainable Broadband Adoption and Public Computer Centers Broadband Technology Opportunities Program: Sustainable Broadband Adoption and Public Computer Centers National Telecommunications and Information Agency (NTIA) U. S. Department of Commerce Funded by the

More information

2014 APICS SUPPLY CHAIN COUNCIL OPERATIONS MANAGEMENT EMPLOYMENT OUTLOOK

2014 APICS SUPPLY CHAIN COUNCIL OPERATIONS MANAGEMENT EMPLOYMENT OUTLOOK 2014 APICS SUPPLY CHAIN COUNCIL OPERATIONS MANAGEMENT EMPLOYMENT OUTLOOK 1 ABOUT THIS REPORT APICS Supply Chain Council, in conjunction with the Cameron School of Business at the University of North Carolina-Wilmington,

More information

Highway Loss Data Institute Bulletin

Highway Loss Data Institute Bulletin Highway Loss Data Institute Bulletin Helmet Use Laws and Medical Payment Injury Risk for Motorcyclists with Collision Claims VOL. 26, NO. 13 DECEMBER 29 INTRODUCTION According to the National Highway Traffic

More information

Rates and Bills An Analysis of Average Electricity Rates & Bills in Georgia and the United States

Rates and Bills An Analysis of Average Electricity Rates & Bills in Georgia and the United States Rates and Bills An Analysis of Average Electricity Rates & Bills in Georgia and the United States During regulatory and public policy discussions of electricity costs for Georgia ratepayers, the conversation

More information

STATUS OF ITEM FILINGS

STATUS OF ITEM FILINGS National Council on Compensation Insurance Regulatory Services JUNE 3, 2016 STATUS OF ITEM FILINGS IF-2016-06-01 ACTION NEEDED BACKGROUND IMPACT NCCI ACTION PERSON TO CONTACT Review changes in the Status

More information

1. Full Name of Assured: 2. Address (MUST be a Physical Address): (City) (State) (Zip) Phone Number: ( ) Fax Number: ( ) Email Address:

1. Full Name of Assured: 2. Address (MUST be a Physical Address): (City) (State) (Zip) Phone Number: ( ) Fax Number: ( ) Email Address: ARBITRATORS, HEARING OFFICERS AND MEDIATORS PROFESSIONAL LIABILITY INSURANCE issued to the NATIONAL ASSOCIATION OF SALARIED PROFESSIONALS PURCHASING GROUP, INC. and specified members of the AMERICAN BAR

More information

Workers Compensation Experience Mod In Your Control or Out of Your Control?

Workers Compensation Experience Mod In Your Control or Out of Your Control? Workers Compensation Experience Mod In Your Control or Out of Your Control? Bill Daly Risk Manager National Accounts Federated Mutual Insurance Company WC Managed Care: More than Managing Care A Simple

More information

Small Business Credit Outlook

Small Business Credit Outlook 2015 Q1 Small Business Credit Outlook Small Business to the Rescue Small business came to the rescue for the U.S. economy in Q1 2015. GDP surprised on the low side at 0.2% in the 1st quarter and demand

More information

The Survey of Undergraduate and Graduate Programs in Communication. Sciences and Disorders has been conducted since 1982-83. Surveys were conducted in

The Survey of Undergraduate and Graduate Programs in Communication. Sciences and Disorders has been conducted since 1982-83. Surveys were conducted in Introduction The Survey of Undergraduate and Graduate Programs in Communication Sciences and Disorders has been conducted since 1982-83. Surveys were conducted in 1982-83, 1983-84, 1984-85, 1985-86, 1986-87,

More information

ANALYSIS OF US AND STATE-BY-STATE CARBON DIOXIDE EMISSIONS AND POTENTIAL SAVINGS IN FUTURE GLOBAL TEMPERATURE AND GLOBAL SEA LEVEL RISE

ANALYSIS OF US AND STATE-BY-STATE CARBON DIOXIDE EMISSIONS AND POTENTIAL SAVINGS IN FUTURE GLOBAL TEMPERATURE AND GLOBAL SEA LEVEL RISE ANALYSIS OF US AND STATE-BY-STATE CARBON DIOXIDE EMISSIONS AND POTENTIAL SAVINGS IN FUTURE GLOBAL TEMPERATURE AND GLOBAL SEA LEVEL RISE by Paul Knappenberger SPPI ORIGINAL PAPER Updated April 2013 ANALYSIS

More information

RATE FILING METHODS FOR PROPERTY/CASUALTY INSURANCE, WORKERS COMPENSATION, TITLE 11/05

RATE FILING METHODS FOR PROPERTY/CASUALTY INSURANCE, WORKERS COMPENSATION, TITLE 11/05 11/05 Explanation: In a state with, a filing may be deemed to have been approved after a certain number of days. If such a provision exists, the number of days is noted in parentheses. File and use states

More information

Pharmacist Administered Vaccines Types of Vaccines Authorized to Administer

Pharmacist Administered Vaccines Types of Vaccines Authorized to Administer 5 4 Pharmacist Administered Vaccines Types of Vaccines Authorized to Administer 46 Any vaccine I, P, Z 5 Other combos Number of states / territories Any vaccine Influenza, Pneumo and Zoster (I, P, Z) Other

More information

Tax THE. Burden ON TOBACCO

Tax THE. Burden ON TOBACCO THE Tax Burden ON TOBACCO HISTORICAL COMPILATION VOLUME 49, 2014 THE TAX BURDEN ON TOBACCO Historical Compilation 2014 i ACKNOWLEDGMENTS This is the 65 th version of the annual compendium on tobacco revenue

More information

Enrollment Snapshot of Radiography, Radiation Therapy and Nuclear Medicine Technology Programs 2014

Enrollment Snapshot of Radiography, Radiation Therapy and Nuclear Medicine Technology Programs 2014 Enrollment Snapshot of, Radiation Therapy and Nuclear Medicine Technology Programs 2014 January 2015 2015 ASRT. All rights reserved. Reproduction in any form is forbidden without written permission from

More information

In Utilization and Trend In Quality

In Utilization and Trend In Quality AHA Taskforce on Variation in Health Care Spending O Hare Hilton, Chicago February 10, 2010 Allan M. Korn, M.D., FACP Senior Vice President, Clinical Affairs and Chief Medical Officer Variation In Utilization

More information

WORKERS COMPENSATION CLAIM COSTS AND TRENDS IN NEW JERSEY

WORKERS COMPENSATION CLAIM COSTS AND TRENDS IN NEW JERSEY Consulting Actuaries WORKERS COMPENSATION CLAIM COSTS AND TRENDS IN NEW JERSEY Scott J. Lefkowitz, FCAS, MAAA, FCA October 2015 CONTENTS Introduction... 1 Claim Frequency... 3 Introduction... 3 Frequency

More information

Surety Bond Requirements for Mortgage Brokers and Mortgage Bankers As of July 15, 2011

Surety Bond Requirements for Mortgage Brokers and Mortgage Bankers As of July 15, 2011 Surety Bond Requirements for Mortgage Brokers and Mortgage Bankers As of July 15, 2011 State Mortgage Broker Bond Cancellation Mortgage Banker Bond Cancellation Notes & Citations AK $75,000 minimum for

More information

How learning benefits Georgians over a lifetime

How learning benefits Georgians over a lifetime How learning benefits Georgians over a lifetime Education empowers Employability 2 Income 7 Home ownership 13 The next generation 17 Older citizens 21 Quality of life 26 Social well being 31 It s a simple

More information

Department of Business and Information Technology

Department of Business and Information Technology Department of Business and Information Technology College of Applied Science and Technology The University of Akron Summer 01 Graduation Survey Report 1. How would you rate your OVERALL EXPERIENCE at The

More information