HEALTH INSURANCE COVERAGE IN THE CAYMAN ISLANDS: WHAT THE CENSUS 2010 RESULTS REVEAL
|
|
- Abel Farmer
- 8 years ago
- Views:
Transcription
1 C A R I B B E A N C O M M U N I T Y S E C R E T A R I A T THIRTY- EIGHTH MEETING OF THE STANDING COMMITTEE OF CARIBBEAN STATISTICIANS SCCS/2013/38/10 Frigate Bay, St. Kitts and Nevis October October 2013 HEALTH INSURANCE COVERAGE IN THE CAYMAN ISLANDS: WHAT THE CENSUS 2010 RESULTS REVEAL
2 Health Insurance Coverage in the Cayman Islands: What the Census 2010 Results Reveal Maria Zingapan I Economics and Statistics Office I Cayman Islands 23 rd Meeting of the Standing Committee of Caribbean Statisticians 31 October 2013 I St. Kitts and Nevis
3 The Cayman Islands Health Insurance Law* The 1997 Health Insurance Law and Regulations came into force in 1998: health insurance for all employees, with employer and employees meeting the premium costs Health Insurance Regulations (2005 Revision): established the Standard Health Insurance Contract One (SHIC 1) as the minimum contract of prescribed health care benefits to be sold by approved health insurance companies. * Cayman Islands Health Insurance Commission
4 The Cayman Islands Health Insurance Law* The Health Insurance Law requires that every person resident in the Cayman Islands have, at a minimum the Standard Health Insurance Contract One (SHIC 1). Employers are responsible for providing health insurance for all of their employees, the employee s unemployed spouse and any of the employee s dependent children who reside in the Cayman Islands. The health insurance coverage must be obtained through an approved health insurance company. A self-employed person must provide their own cover with an approved health insurance company and their unemployed spouse and dependent children should also be covered.
5 The Cayman Islands Health Insurance Law* An employer shall be liable to pay the total cost of the premium of the Standard Health Insurance Contract One (S HIC1) but shall be entitled to recover directly from the salary, wage or other remuneration of each employee, 50% of the cost of the premium. The employer is not required to contribute to the premiums for the employee s dependent children or unemployed spouse and can deduct those amounts as arranged with the employee. If a person, because of limited or inadequate financial resources is unable to pay for their health care services or pay for health insurance cover, an assessment of their financial circumstances can be carried out by the Department of Children and Family Services to determine their eligibility for assistance
6 The Cayman Islands Health Insurance Law* If a person is refused health insurance coverage by two or more approved insurers, that person becomes an uninsurable person under the law. That person may then make an application for coverage with the Cayman Islands National Insurance Company (CINICO), an independent government-owned health insurance company, established to provide health insurance for those persons unable to obtain coverage either for health reasons or financial reasons.
7 Census 2010 Questionnaire
8 Yes, by a provider in the Cayman Islands Yes, covered by C.I. Government Frequency Percent Valid Percent Cumulative Percent 32, , Yes, by some other provider 2, Uninsurable No 6, DK/NS Total 53,
9 Analytical Framework: Demand for Insurance Standard model: D(Insurance) = F (Prices, Health Risk, Socio-Demographic Factors, Ability to Pay) Employment-based mandatory insurance model D(Insurance) = F (Employment Agreement) Contractual arrangements determines the latter s enrolment in an insurance plan. May depend on prevailing regulations and practices in certain industries, or occupational categories.
10 Analytical Framework: Demand for Insurance Dual insurance market Dm(Insurance) = Fm (Employment Characteristics)
11 Adverse Effect: An employment-based health insurance regulation benefits the employed but this could adversely affect the welfare of the unemployed due to price effect of the mandatory scheme on the demand for insurance by the unemployed.
12 D1 So P1 Po D2 Do Q2 Q2 Qo Q1
13 Insurance Status Sub-population Uninsured Insured Total Age 0-14 years Employed Unemployed Not In the Labour Force Total Insurance Status Sub-population Uninsured Insured Total Age 0-14 years Employed Unemployed Not In the Labour Force Total
14 Insurance Status Total Uninsured Insured Employed fulltime Employed part-time Seeking and available for work NOT seeking, but available for work Permanently sick or disabled At school or a student, without a job Wholly retired from paid work Home duties Other (please specify) DK/NS Total
15 Insurance Status Uninsured Insured Total Employee, Government Employee, Statutory Authority Employee, Government Corporation Employee private Self employed, WITH No employees Self employed, WITH employees Unpaid family business worker DK/NS Total
16 Insurance Status Occupation Uninsured Insured Total Managers Professionals Technicians and Associate Professionals Clerical Support Workers Service and Sales Workers Skilled agricultural, forestry and fishery workers Craft and related trades workers Plant and machine operators, and assemblers Elementary occupations Not Stated Total
17 Industry Uninsured Insured Agriculture, forestry and fishing Mining and quarrying Manufacturing Electricity, gas, steam and air conditioning supply Water supply; sewerage, waste management and remediation activities Construction Wholesale and retail trade; repair of motor vehicles and motorcycles Transportation and storage Accommodation and food service activities Information and communication Financial and insurance activities Real estate activities Profess'l, scientific and technical activities Administrative & support service activities Public administration and defence; compulsory social security Insurance Status Total Education Human health and social work activities Arts, entertainment and recreation Other service activities Activities of households as employers Total
18 Industry Uninsured Insured Agriculture, forestry and fishing Mining and quarrying Manufacturing Electricity, gas, steam and air conditioning supply Water supply; sewerage, waste management and remediation activities Construction Wholesale and retail trade; repair of motor vehicles and motorcycles Transportation and storage Accommodation and food service activities Information and communication Financial and insurance activities Real estate activities Profess'l, scientific and technical activities Administrative & support service activities Public administration and defence; compulsory social security Insurance Status Total Education Human health and social work activities Arts, entertainment and recreation Other service activities Activities of households as employers Total
19 Insurance Status Uninsured Insured Total Diabetes High Blood Pressure Heart Condition Cancer HIV AIDS Asthma Other Sickness NONE DK/NS Total
20 Insurance Status Disability Uninsured Insured Total Sight Hearing Speech Upper Limb (arm) Lower Limb (Legs) Neck and Spine Learning disability Mental Illness Other Illness None Dont Know Total
21 Insurance Status Uninsured Insured Total Caymanian Non Caymanian Total
22 Insurance Status Uninsured Insured Total $0 - $ $9,600 - $19, $19,200 - $28, $28,800 - $38, $38,400 - $57, $57,600 - $86, $86, DK Total
23 Insurance Status Uninsured Insured Total Male Female Total
24 Insurance Status Age Uninsured Insured Total Total
25 Industry Uninsured Insured None COEA, Entry Level/Common Entrance CSE, CXC Basic GCE/GCSE/IGCSE "O Level/CXC General (1 or 4 subjects) GCE/GCSE/IGCSE "O Level/CXC General (5 or more subjects) High School Diploma or Equivalent Certificate GCE 'A' Level/CAPE/HSC/HND ( 1 or 2 subjects) Insurance Status Total GCE 'A' Level/CAPE/HSC/HND (3 or more subjects) Vocational/Trade Certificate or Diploma Associate Degree Bachelors Degree Postgraduate Certificate or Diploma Masters Degree (Medicine, Law, ) Earned Doctorate (Ph. D.) Professional Qualifications (Computer, Law, Accounting) Other (please specify) DK/NS Total
26 Binary Logistic Regression Results: Population B S.E. Wald df Sig. Exp(B) SEX STATUS DISABILITY ILLNESS NOT WORKING AGE UNEMPLOYED NOT IN LABORFORCE Constant B S.E. Wald df Sig. Exp(B) SEX STATUS DISABILITY ILLNESS NOT WORKING AGE UNEMPLOYED NOT IN LABORFORCE AGE Constant
27 Binary Logistic Regression Results: Working Age Population VARIABLES B S.E. Wald df Sig. Exp(B) SEX STATUS AGE EMPLOYED PARTIME NOT EMPLOYED NOT SEEKING BUT AVAILABLE PERMANENTLY SICK OR DISABLED STUDENT WITHOUT A JOB RETIRED FROM PAID WORK HOMEDUTIES OTHER EMPLOYMENT WITH ASSOCIATE DEGREE OR HIGHER Constant
28 Binary Logistic Regression Results: Employed SKILLED AGRI, FORESTRY & FISHER WORKERS B S.E. Wald df Sig. Exp(B) CRAFTS & RELATED TRADES PLANT & MACHINERIES OPERATORS ELEMENTARY OCCUPATION SERVICE AND SALES WORKERS CLERICAL SUPPORT TECHNICIANS AND ASSO PROF PROFESSIONALS SEX AGE STATUS ILLINESS DISABILITY ASSOCIATE DEGREE AND HIGHER Constant
29 Binary Logistic Regression Results: Employed B S.E. Wald df Sig. Exp(B) SEX AGE STATUS ILLNESS DISABILITY ASSOCIATE AGRI, FORESTRY AND FISHERY MINING AND QUARRYING MANUFACTURING WATER CONSTRUCTION WHOLESALE AND RETAIL TRANSPORT & STORAGE HOTELS & RESTAURANTS COMMUNICATION FINANCIAL SERVICES REAL ESTATE ADMINISTRATIVE SUPPORT PUBLIC ADMIN & DEFENSE EDUCATION HEALTH & SOCIAL SERVICES OTHER SERVICES HOUSEHOLDS AS EMPLOYERS Constant
30 In Summary Preliminary results suggest: Significant under-enrolment of sub-populations that are not fully employed, particularly the unemployed Among the employed, there is significant variation in enrolment by industry and by occupation > the highest compliance seems to the most formal or white collar occupations Policy implication: Industry-tailored, rather than generic enrolment campaigns and compliance monitoring Aggressive enrolment campaign among the unemployed
Accidents at Work: Q4/2014
3 February 2015 1100 hrs 023/2015 Accidents at Work: Q4/2014 Claims in respect of non-fatal accidents at work in the fourth quarter of last year decreased by 29, or 3.7 per cent, compared to the corresponding
More informationTHE CAYMAN ISLANDS LABOUR FORCE SURVEY REPORT SPRING 2015
THE CAYMAN ISLANDS LABOUR FORCE SURVEY REPORT SPRING 2015 Published September 2015 Economics and Statistics Office i CONTENTS SUMMARY TABLE 1. KEY LABOUR FORCE INDICATORS BY STATUS... 1 SUMMARY TABLE 2.
More informationAccidents at Work: Q4/2015
3 February 2016 1100 hrs 019/2016 Accidents at Work: Q4/2015 Claims in respect of non-fatal accidents at work in the fourth quarter of 2015 decreased marginally by 11 when compared with the corresponding
More informationAccidents at Work: Q2/2015
20 August 2015 1100 hrs 152/2015 Accidents at Work: Q2/2015 Claims in respect of non-fatal accidents at work in the second quarter of 2015 decreased by 125, or 14.6 per cent, compared to the corresponding
More informationApplication for financial support for relocation expenses
Application for financial support for relocation expenses For EU citizens 18 to 30 years of age starting a new job in another EU member state. 1 Please note: a) The application must be submitted before
More informationLabour Force Survey: Q2/2015
22 September 2015 1100 hrs 172/2015 During the second quarter of 2015, Labour Force Survey estimates indicate an increase of 1.8 per cent in employment when compared to the corresponding quarter of 2014.
More informationOCCUPATIONS & WAGES REPORT
THE COMMONWEALTH OF THE BAHAMAS OCCUPATIONS & WAGES REPORT 2011 Department of Statistics Ministry of Finance P.O. Box N-3904 Nassau Bahamas Copyright THE DEPARTMENT OF STATISTICS BAHAMAS 2011 Short extracts
More informationAccidents at Work: Q3/2015
4 November 2015 1100 hrs 202/2015 Claims in respect of non-fatal accidents at work in the third quarter of 2015 remained almost at par with the corresponding quarter in 2014 increasing by just one case.
More informationThis briefing is divided into themes, where possible 2001 data is provided for comparison.
Information Action 2011 Census Second Release December 2012 Consultation The Office for National Statistics (ONS) has now begun the Second Release of outputs from the 2011 Census at local authority level.
More informationCornwall s economy at a glance
Cornwall s economy at a glance January 2013 An overview of the main economic measures and Census employment data for Cornwall and the Isles of Scilly compared to other areas, and changes over time. Headlines
More informationTRADE UNION MEMBERSHIP 2014. Statistical Bulletin JUNE 2015
TRADE UNION MEMBERSHIP 2014 Statistical Bulletin JUNE 2015 Contents Contents... 2 Introduction... 3 Key findings... 5 1. Long Term Trends... 6 2.Private and Public Sectors. 12 3. Personal and job characteristics...
More informationScout Australia Institute of Training (SAIT) Enrolment Form BSB07 Training Package
Checklist for Enrolment IMPORTANT - Please note the following instructions: 1. You MUST complete all sections of the SAIT Enrolment Form and provide ALL supporting documentation for your application to
More informationApplication to Enrol
Application to Enrol Level 1, 244 Flinders Street, Melbourne, VIC 3000 ph. (03) 9650 1056 fax. (03) 9654 8573 Thank-you for your interest in enrolling in the Melbourne College of Hair and Beauty. Please
More informationemployment status major occupation groups public and private sectors occupation sub-groups residential qualification educational attainment
Chapter 6: Employment Economic Activity employment status activity rates Occupation Industry major occupation groups by gender public and private sectors occupation sub-groups residential qualification
More informationHEALTH, DISABILITIES AND INSURANCE COVERAGE OF THE RESIDENT POPULATION OF ANGUILLA ACCORDING TO THE MAY 2001 CENSUS
HEALTH, DISABILITIES AND INSURANCE COVERAGE OF THE RESIDENT POPULATION OF ANGUILLA ACCORDING TO THE MAY 2001 CENSUS STATISTICS DEPARTMENT MINISTRY OF FINANCE GOVERNMENT OF ANGUILLA Preface This is the
More information*Estonian Education tree Haridusepuu_2010_ENG[1].pdf
Merlin Müür Estonian Education tree Haridusepuu_2010_ENG[1].pdf * *School attendance is compulsory for children who become seven by 1st October of the current year. Compulsory school attendance lasts until
More informationSURVEY OF EMPLOYMENT AND EARNINGS IN LARGE ESTABLISHMENTS. March 2011 (Preliminary results)
SURVEY OF EMPLOYMENT AND EARNINGS IN LARGE ESTABLISHMENTS March 2011 (Preliminary results) 1. Introduction Statistics Mauritius carries out, every year in March, the Survey of Employment and Earnings in
More informationFort McPherson. Atlanta, GA MSA. Drivers of Economic Growth February 2014. Prepared By: chmuraecon.com
Fort McPherson Atlanta, GA MSA Drivers of Economic Growth February 2014 Diversified and fast-growing economies are more stable and are less sensitive to external economic shocks. This report examines recent
More informationEmployment and Wages for Alberta Workers with a Post-Secondary Education
Employment and Wages for Alberta Workers with a Post-Secondary Education Abstract Between 2013 and 2017, Alberta s economy is expected to add approximately 163,000 new jobs. 1 In addition, approximately
More informationSELECTED POPULATION PROFILE IN THE UNITED STATES. 2013 American Community Survey 1-Year Estimates
S0201 SELECTED POPULATION PROFILE IN THE UNITED STATES 2013 American Community Survey 1-Year Estimates Supporting documentation on code lists, subject definitions, data accuracy, and statistical testing
More informationQUESTIONS AND ANSWERS ON THE COMPILATION OF THE STATIC POOL FOR PERFORMANCE MONITORING IN THE EUROSYSTEM CREDIT ASSESSMENT FRAMEWORK (ECAF)
QUESTIONS AND ANSWERS ON THE COMPILATION OF THE STATIC POOL FOR PERFORMANCE MONITORING IN THE EUROSYSTEM CREDIT ASSESSMENT FRAMEWORK (ECAF) 1 WHAT IS THE DEFINITION OF STATIC POOL? The static pool is the
More informationA Labour Economic Profile of New Brunswick
A Labour Economic Profile of New Brunswick January 2016 Table of Contents New Brunswick Highlights........................... 2 Current Business Environment....................... 3 GDP Snapshot....................................
More informationSeaham Major Centre Area Profile
Area Profile Crown Copyright. Durham County Council. LA 100019779. 2006 Corporate Research and Information, Durham County Council, County Hall, Durham, DH1 5UF. Tel: 0191 3834340 cri@durham.gov.uk June
More informationWhat is the nature of your organisation s business? Please describe briefly
QUESTION 61111 What is the nature of your organisation s business? Please describe briefly OPEN QUESTION 611 INT:Code organistation's business as appropriate to the following 1 Agriculture, forestry and
More informationSmall Business, equity and flexibility data
Small Business, equity and flexibility data Gender wage gap in small business The weekly Gender Wage Gap (women s average earnings as a % of men s average earnings) for full-time non-managerial employees
More informationVoluntary Short-Term Disability Insurance
Voluntary Short-Term Disability Insurance available from Employee s Choice Group Sizes 5-19 An independent licensee of the Blue Cross and Blue Shield Association. Affordable salary protection in case of
More informationBROADBAND CONNECTION VOUCHER SCHEME Application Form
BROADBAND CONNECTION VOUCHER SCHEME Application Form This application form should be filled out by businesses and third sector organisations applying to the Connecting Cambridgeshire Broadband Connection
More informationDAWSON CITY LABOUR SKILLS INVENTORY SURVEY
DAWSON CITY LABOUR SKILLS INVENTORY SURVEY A report prepared by the Yukon Bureau of Statistics for the Dawson City Labour Skills Inventory Steering Committee August 2006 This report was produced by the
More informationProductivity Improvement and Gainsharing Practices in Establishments: 2013 (Second in a three-part series on Industrial Relations Practices)
LABSTAT Updates (Vol. 19 No. 21) Page 1 of 8 Vol. 19 No. 21 November 2015 Productivity Improvement and Gainsharing Practices in : 2013 (Second in a three-part series on Industrial Relations Practices)
More informationWork-related injuries experienced by young workers in Australia, 2009 10
Work-related injuries experienced by young workers in Australia, 2009 10 March 2013 SAFE WORK AUSTRALIA Work-related injuries experienced by young workers in Australia, 2009 10 March 2013 Creative Commons
More informationCASI: Public Participation in Developing a Common Framework for Assessment and Management of Sustainable Innovation
CASI: Public Participation in Developing a Common Framework for Assessment and Management of Sustainable Innovation THEME SiS.2013.1.2-1 Mobilisation and Mutual Learning (MML) Action Plans: Mainstreaming
More informationQuarterly Employment Survey: September 2011 quarter
Quarterly Employment Survey: September 2011 quarter Embargoed until 10:45am 01 November 2011 Key facts This is the first quarter in which the Quarterly Employment Survey has seasonally adjusted employment
More informationTravel & Tourism Sector Ranking Australia
Travel & Tourism Sector Ranking Australia Summary of Findings, November 2013 Introduction Sector Ranking Analysis In order to better understand the importance of the Travel & Tourism industry in a global
More informationINTERNATIONAL STUDENT APPLICATION FORM
Section A: Student Status I am a new student in this course who has not previously studied at ACAH. I am a new student in this course who has previously studied at ACAH. I am a continuing student in this
More informationDisability Rights Commission Disability Briefing June 2005
Disability Rights Commission Disability Briefing June 2005 Contents Page Introduction 1 Definitions of disability used in the LFS 2 Some Key Facts and Figures 3 Section 1: Autumn 2004 Data 5 Table 1: Economic
More informationCAYMAN ISLANDS. Supplement No. 2 published with Gazette No. 21 of 21st October, 2013. HEALTH INSURANCE LAW. (2013 Revision)
CAYMAN ISLANDS Supplement No. 2 published with Gazette No. 21 of 21st October, 2013. HEALTH INSURANCE LAW (2013 Revision) Law 15 of 1997 consolidated with Laws 28 of 2001, 13 of 2003, 13 of 2004, 9 of
More informationEstonian Work Life Survey METHODOLOGICAL REPORT
Estonian Work Life Survey METHODOLOGICAL REPORT EESTI STATISTIKA STATISTICS ESTONIA Estonian Work Life Survey METHODOLOGICAL REPORT TALLINN 2011 The publication describes the methodology of the Work Life
More informationIntermedia Global Ltd, VAT Reg. No. 817 4168 23 Company registration No. 4821034
Axis Business Base Postal Addresses 2.9m Phone Numbers 2.6m Email Addresses 1.1m Contacts 4.1m Description/Profile The Axis Business Base is a tele-verified database and one of the most comprehensive and
More informationEmployment-Based Health Insurance: 2010
Employment-Based Health Insurance: 2010 Household Economic Studies Hubert Janicki Issued February 2013 P70-134 INTRODUCTION More than half of the U.S. population (55.1 percent) had employment-based health
More informationFinancial Scrutiny Unit Briefing Earnings in Scotland 2014
The Scottish Parliament and Scottish Parliament Infor mation C entre l ogos. Financial Scrutiny Unit Briefing Earnings in Scotland 2014 Andrew Aiton 15 December 2014 The Office for National Statistics
More information2011 EMPLOYEE BENEFITS SURVEY REPORT
2011 EMPLOYEE BENEFITS SURVEY REPORT Medical benefits Health insurance costs Premium coverage Retirement plans Paid leave Washington State Employment Security Department Labor Market and Economic Analysis
More informationComplete this form if you want to apply for or increase your Income Protection insurance cover. Suburb/City/Town State/Territory Postcode
Member Details form Member Income Protection Form w Complete this form if you want to apply for or increase your Income Protection insurance cover. Income Protection insurance cover, also known as salary
More informationWORK-RELATED INJURIES
009 10 WORK-RELATED INJURIES 634.0 AUSTRALIA EMBARGO: 11.30AM (CANBERRA TIME) WED NOV 011 CONTENTS Notes... Conceptual framework... Summary of findings... page 3 4 TABLES List of tables... Persons aged
More informationSelect The STD Plan That Best Meets Your Needs PLAN BENEFITS. Maximum Weekly Benefit. % Earnings Payable. Benefit Duration Accident or Sickness
Select The STD Plan That Best Meets Your Needs PLAN FEATURES j Benefit Level Pays 70% of weekly earnings. j Benefit Duration Duration of benefits is the number of weeks for which an insured can receive
More informationWhich Pays Better: Public or Private Sector Jobs?
Canadian Centre for Policy Alternatives Ontario July 2014 Which Pays Better: Public or Private Sector Jobs? Settling the Debate Richard Shillington www.policyalternatives.ca RESEARCH ANALYSIS SOLUTIONS
More informationEMPLOYABILITY TRENDS
Fabrizio Carmignani Associate Professor, BCom Programme Director (Nathan) Economics, Griffith Business School EMPLOYABILITY TRENDS Plan of campaign Some background on employment projections Australia medium
More informationProfessional and Business Services Employment Trends in the Richmond MSA
Professional and Business Services Trends in the Richmond MSA Prepared for Resource Greater Richmond, Virginia Professional and Business Services Trends in the Richmond MSA Key Findings The Professional
More informationUSUAL WEEKLY EARNINGS OF WAGE AND SALARY WORKERS FIRST QUARTER 2015
For release 10:00 a.m. (EDT) Tuesday, April 21, USDL-15-0688 Technical information: (202) 691-6378 cpsinfo@bls.gov www.bls.gov/cps Media contact: (202) 691-5902 PressOffice@bls.gov USUAL WEEKLY EARNINGS
More informationTalk Vancouver: Panel Composition. June, 2014
Talk Vancouver: Panel Composition June, 2014 Age 15 to 19 20 to 29 16% 30 to 39 28% 40 to 49 2 50 to 59 17% 60 to 69 13% 70 to 79 Base: All respondents In what year were you born? 80 or over Business Sector
More informationThe Triple Bottom Line Revisited
The Triple Bottom Line Revisited Rita Singh Director of Policy www.cynnalcymru.com www.sustainwales.com Follow us on Twitter Dilynwch ni ar Twitter @CynnalCymru @RitaSingh 02920 19 20 21 The Triple Bottom
More informationWages of Employed Texans Who Attended Texas Public Schools
Wage Comparision by Educational Attainment for Texans Age 25 to 30 Median 4th Quarter Wages Number Employed Earnings Year 2010 2011 2012 2010 2011 2012 Educational Attainment Advanced Bachelor's Associate
More informationNew tax relief aimed at stimulating R&D activities of enterprises and increasing payroll figures in the sector
New tax relief aimed at stimulating R&D activities of enterprises and increasing payroll figures in the sector Economic policy projections focus on growth and increasing employment. Economic development
More informationCalgary Small Businesses: Fact Sheet
Calgary Small Businesses: Fact Sheet Calgary small businesses account for nearly 95 per cent of all businesses they are a driving force within the city s business community. Small business owners have
More informationYES! You CAN take it with you
YES! You CAN take it with you You Are Now Eligible To Convert Your Current Long-Term Disability Insurance To Disability Conversion Insurance DCI Coverage For residents of New York State Group Insurance
More informationA Group Short Term Disability Income Protection Benefit
A Group Short Term Disability Income Protection Benefit that pays up to $500 a week Since 1964 KELSEY NATIONAL CORPORATION With State IIA Endorsed Group Short Term Disability Income Protection, You Get
More informationNORTHERN NEW ENGLAND BENEFIT TRUST LIFE INSURANCE ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE
NORTHERN NEW ENGLAND BENEFIT TRUST LIFE INSURANCE ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE LIFE INSURANCE ACCIDENTAL DEATH AND DISMEMBERMENT INTRODUCTION Life Insurance and Accidental Death & Dismemberment
More informationWorkforce Overview Greenville, South Carolina
Workforce Overview Greenville, South Carolina CONTENTS Page I. Workforce Characteristics and Composition 2 Workforce Characteristics 2 Employment by Industry Sector 2 Greenville County Labor Shed 3 Inflow
More informationNationality: Campus Location: Melbourne Hobart Cairns Brisbane Sydney Toowoomba Adelaide. Mode of Delivery: On Campus. Are you:
1. Personal Details Title: Mr Mrs Ms Miss Other: Gender: Male Female First Name: Middle Name: Family Name: Date of Birth (DD/MM/YY): - - Home Address Flat/Unit Details: Street or Lot Number (e.g. 205 or
More informationONTARIO RETIREMENT PENSION PLAN
THE ONTARIO RETIREMENT PENSION PLAN DISCUSSING A MADE-IN-ONTARIO SOLUTION ASSOCIATE MINISTER S MESSAGE Ask a child what they want to be when they grow up and they ll tell you. A doctor. An astronaut.
More informationArticle. Work absences in 2011. by Maria Dabboussy and Sharanjit Uppal
Component of Statistics Canada Catalogue no. 75-001-X Perspectives on Labour and Income Article Work absences in 2011 by Maria Dabboussy and Sharanjit Uppal April 20, 2012 Statistics Canada Statistique
More informationPRINCIPAL BUSINESS ACTIVITIES OF THE COMPANY
PRINCIPAL BUSINESS ACTIVITIES OF THE COMPANY S. No. Field Name Instructions II Number of business Enter the number of business undertaken by the company. II Main code Based on the number of business undertaken,
More informationSmall Employer Health Insurance Survey South Carolina State Planning Grant
Small Employer Health Insurance Survey South Carolina State Planning Grant So that we can ensure our survey sample is geographically representative of the state, it is very important that you provide the
More informationCounty of Santa Clara Physicians Faculty & Staff
LONG TERM DISABILITY INCOME PLAN UNDERWRITTEN BY: LIFE INSURANCE COMPANY OF NORTH AMERICA a CIGNA company CLASS 1 1/2004 County of Santa Clara Physicians Faculty & Staff FOREWORD Long Term Disability
More informationNorth Bay Industry Sector Rankings (By County) October 2015 Jim Cassio
North Bay Rankings (By County) October 2015 Jim Cassio North Bay Rankings (By County) Source: EMSI (Economic Modeling Specialists, Intl.) Contents Lake County... 3 Jobs... 3 Job Growth (Projected)...
More informationMethodological sheet. Client loans
Methodological sheet Client loans I. Definition and content Loan balances: the closing balances of client loan accounts, i.e. initial balances plus drawings of new loans minus instalments/repayments of
More informationLIABILITY INSURANCE SUMMARY OF COVER
LIABILITY INSURANCE SUMMARY OF COVER This gives only a summary of the cover provided and it does not give details of all the terms, conditions and exclusions. A full policy wording is available on request.
More informationList of Services Sector
List of Services Sector SERVICES SECTOR ELECTRICITY, GAS, STEAM & AIR CONDITIONING SUPPLY Electric power generation, transmission and distribution Manufacture of gas; distribution of gaseous fuels through
More informationHealthcare Industry Employment Trends in the Richmond MSA. Prepared for Resource s Healthcare Industry Employment Summit
Healthcare Industry Trends in the Richmond MSA Prepared for Resource s Healthcare Industry Summit Healthcare Industry Trends in the Richmond MSA Key Findings The importance of the healthcare industry to
More informationPublished by the Stationery Office, Dublin, Ireland. To be purchased from the: or through any bookseller.
Published by the Stationery Office, Dublin, Ireland. To be purchased from the: Central Statistics Office, Information Section, Skehard Road, Cork, Government Publications Sales Office, Sun Alliance House,
More informationLong-Term Disability Insurance
Long-Term Disability Insurance 817763 a 06/12 Developed for the Employees of Pennsylvania State System of Higher Education Protecting Your Family Securing Your Future As long as you've got your health.
More informationLong-Term Disability Insurance
Long-Term Disability Insurance Developed for the Employees of City of Colorado Springs (Employees with less than 5 years of PERA Service) (City Council Members) How This Program Protects You If you suffer
More informationBenefits under the Short Term Disability Salary Continuation Plan described in the following pages are provided and funded by the Employer.
Colgate University Short Term Disability Salary Continuation Plan For Faculty and Administrators Benefits under the Short Term Disability Salary Continuation Plan described in the following pages are provided
More informationCUPW Life Insurance Plan. Basic and Optional
CUPW Life Insurance Plan Basic and Optional All CUPW Members In Good Standing This benefit booklet This booklet is one of six booklets about benefits. In each one, we have summarized what s covered under
More informationAnnual Labour Cost Survey (ALCS) Year 2013
29 July 2014 Annual Labour Cost Survey (ALCS) Year 2013 Main results - The total cost per worker, in gross terms, is 30,844.49 euros during the year 2013, 0.2% less than the previous year. - The net cost
More informationSuperannuation & Disability Claims Securing your future
Superannuation & Disability Claims Securing your future Great people Great results Great value Established 1952 Superannuation & Disability Claims When you are unable to work because of injury or illness,
More informationAccident/Illness Claim
QBE INSURANCE (AUSTRALIA) LIMITED ABN 78 003 191 035 Accident/Illness Claim The issue of this form does not constitute an admission of liability on the part of the insurer. Please complete all sections.
More informationSurvey of Business Owners Veteran-Owned Firms
Survey of Business Owners Veteran-Owned Firms Interagency Task Force on Veterans Small Business Development Meeting March 10, 2016 Presented by: Naomi Blackman, US Census Bureau Agenda Survey of Business
More informationе я е у м а A п о к а б ы м S T R U C T U R E O F E A R N I N G S S U R V E Y
йупяиайг дглойяатиа REPUBLIC OF CYPRUS е я е у м а A п о к а б ы м S T R U C T U R E O F E A R N I N G S S U R V E Y 2 0 1 0 статистийг упгяесиа STATISTICAL SERVICE еяцатийщр статистийщр Labour Statistics
More informationLiberty County, Florida
Liberty County, Florida DEMOGRAPHIC PROFILE Year Population 1940 3,752 1950 3,182 1960 3,138 1970 3,379 1980 4,260 1990 5,569 2000 7,021 2001 7,132 Projected 2010 10,100 2020 13,100 2030 16,400 Located
More informationThe Secure Choice Retirement Savings Program. Compiled by the Office of the Illinois State Treasurer Treasurer Michael W. Frerichs
The Secure Choice Retirement Savings Program Compiled by the Office of the Illinois State Treasurer Treasurer Michael W. Frerichs Retirement Security What is Secure Choice? Economic Impact and Benefits
More informationAustralian Workers Compensation Statistics, 2012 13
Australian Workers Compensation Statistics, 2012 13 In this report: Summary of statistics for non-fatal workers compensation claims by key employment and demographic characteristics Trends in serious claims
More informationIGHLIGHTS ESPONDENTS. JobsCentral Learning. An annual study of higher education preferences in Singapore January 2015
IGHLIGHTS achelor s EDUCATION egreepreferenc JobsCentral Learning ostgraduate Survey Report 2014 ROFILE OF HIG An annual study of higher education preferences in Singapore January 2015 ESPONDENTS achelor
More informationSources of Health Insurance Coverage: A Look at Changes Between 2013 and 2014 from the March 2014 and 2015 Current Population Survey
October 2015 No. 419 Sources of Health Insurance Coverage: A Look at Changes Between 2013 and 2014 from the March 2014 and 2015 Current Population Survey By Paul Fronstin, Ph.D., Employee Benefit Research
More informationSummary of Survey Methods
2 Summary of Survey Methods 1. Objective of the survey This survey is conducted as part of the basic statistical surveys under the Statistics Act, in accordance with the Regulations on Surveys for the
More informationEmployment Outlook to November 2018
Based on the Department of Employment s 2014 employment projections Table of Contents Introduction... 2 Projected employment growth by industry... 3 Projected employment growth by skill level... 5 Projected
More information2012 Georgia Occupational Health Indicators: Demographics and Summary Tables
Georgia Occupational Health Surveillance Data Series Table 1. Georgia and U.S. General Employment Demographics, 2012 Georgia U.S. Employed Persons, 16 Years and Older 2012 Georgia Occupational Health Indicators:
More informationService companies in innovative environments:
Service companies in innovative environments: The case of Spanish science parks Jasmina Berbegal, Francesc Solé, Ferran Sabaté, Antonio Cañabate Universitat Politècnica de Catalunya (Spain) Introduction
More informationLong-Term Disability Insurance
Long-Term Disability Insurance Developed for the employees of Pennsylvania State System of Higher Education Protecting Your Family Securing Your Future If you re physically healthy, you can work, play,
More informationLong-Term Disability Insurance
Long-Term Disability Insurance Developed for Full-time Employees of Our Lady of Lourdes, Camden Protecting Your Family Securing Your Future As long as you've got your health. If you're physically healthy,
More informationEmployee benefits are an important aspect
Health and retirement benefits: data from two BLS surveys Both the household-based Current Population Survey and the establishment-based Employee Benefits Survey have strengths and limitations with respect
More informationGROUP SHORT TERM DISABILITY INSURANCE PROGRAM State of Michigan - Department of State Police CERTIFICATE OF INSURANCE We certify that the Person whose name appears on the enrollment card attached to this
More informationVisa Inc. MetLife Life and AD&D Insurance Plan. Summary of Benefits for Employees
Visa Inc. MetLife Life and AD&D Insurance Plan Summary of Benefits for Employees Effective January 1, 2013 MetLife Life and AD&D Insurance Plan 1 Table of Contents BENEFITS UNDER THE LIFE AND AD&D PLAN...
More informationHealth & Safety The Compensation Fund 2013
The Compensation Fund provides compensation for workers who get hurt at work, or sick from diseases contracted at work, or for death as a result of these injuries or diseases. The Compensation Fund is
More informationDemographic, Socio-Economic, Schooling, and Labor Market Indicators for 16-24 Year Olds in the City of Hartford
Demographic, Socio-Economic, Schooling, and Labor Market Indicators for 16-24 Year Olds in the City of Hartford Prepared by: Center for Labor Market Studies Northeastern University Prepared for: National
More information2014 Workforce Scan. An Overview of Employment Trends in Northern Alberta
2014 Workforce Scan An Overview of Employment Trends in Northern Alberta Table of Contents Executive Summary... 1 Accommodation and Food Services... 3 Agriculture... 4 Business and Building Services...
More information2015 Annual Alberta Labour Market Review. Employment. Unemployment. Economic Regions. Migration. Indigenous People. Industries
2015 Annual Alberta Labour Market Review Employment. Unemployment. Economic Regions Migration. Indigenous People. Industries Occupations. Education. Demographics Employment Despite the economic downturn,
More informationUK Government Information Economy Strategy
Industrial Strategy: government and industry in partnership UK Government Information Economy Strategy A Call for Views and Evidence February 2013 Contents Overview of Industrial Strategy... 3 How to respond...
More informationGuide to Disability Income. Insurance. America s Health. Insurance. Plans
America s Health Insurance Plans Guide to Disability Income Insurance I Although frequently revised, this guide includes information that is subject to changing federal and state laws. AHIP provides this
More informationIntroduction... Distinctive Features of the Benefits Environment... Key Changes in Recent Years...
Table of Contents Introduction... Distinctive Features of the Benefits Environment... Key Changes in Recent Years... 2 3 4 Statutory/Mandatory Programs... 5... 5 Retirement Benefits... 6 Death Benefits...
More informationOrange County Transportation Authority- Administrative Group
Group Life Insurance SUMMARY OF BENEFITS Life and AD&D Sponsored by: All Full-Time Administrative Employees and Employees represented by Transportation Communications Union (TCU) Life Employee Amount Two
More information