Group Income Protection (GIP) Claim Case Studies

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Group Income Protection (GIP) Claim Case Studies"

Transcription

1 Grup Incme Prtectin (GIP) Claim Case Studies What is GIP? GIP is a plicy taken ut by emplyers t cver their prmise t prvide sick pay t emplyees if illness r injury prevents them wrking fr a prlnged perid. Benefits may be paid up t a set age, such as State pensin age, r up t a fixed perid, such as 3 years. In the event f a claim the benefit is paid t the emplyer wh then passes it n t the emplyee thrugh the PAYE system in the same way as salary. The benefit will be a prprtin f the emplyee s salary and als frequently includes cver fr pensin cntributins. GIP plicies prvide mre than a financial benefit with: Early interventin Engagement Cntinuatin f ther emplyee benefits Integratin with pensin Assciated prducts Early interventin Enables the emplyee t get back t wrk as sn as pssible which benefits: The emplyer - reduced absence and assciated csts, will nt be deprived f the skills and knwledge f valued emplyees, access t early interventin and return t wrk service expertise etc. The emplyee - faster return t health (and wrk which is generally cnsidered t be gd fr peple), scial exclusin avided. April 2013 Emplyers: manage sickness absence and back-t-wrk csts plus prvides rehabilitatin supprt Emplyees: financial prtectin during lngterm sickness GIP can be much cheaper than the cst individuals wuld pay fr cver and the majrity d nt have t prvide health evidence. The State - less expenditure n Emplyment Supprt Allwance and means-tested State Benefits bth befre and after retirement, mre incme thrugh tax and NI. The ecnmy - incapacitated emplyees will nt be living at the breadline and s will have mre mney t spend r invest. The insurer - the increased expenditure n early interventins shuld lead t reduced length f claims and mre cmpetitive pricing. GRiD represents a mixture f advisers, reinsurers and insurers wh between them deal with the placing and insurance f the vast majrity f cver in the Grup Incme Prtectin (GIP) market.

2 Engagement Insurers ask t be ntified f an emplyee s absence at a very early stage usually within six weeks f absence cmmencing. The insurer wrks with the emplyer and the emplyee t identify interventins that wuld help t get the emplyee back t wrk at the earliest apprpriate pprtunity, helping the emplyer reduce absence csts including the hidden csts such as lst prductin and replacement cver fr absent emplyees. Interventins take place at the time they are mst effective. The mst cmmn causes f claim fr bth ESA and GIP are mental health and muscul-skeletal cnditins, yet with the right help and supprt many peple will be able t return t wrk. Insurers will treat each case individually ensuring that interventins such as physitherapy r Cgnitive Behaviural Therapy (CBT) are instigated at the time they are mst effective. It is wrth nting that the insurer will ften cntinue t supprt the emplyee fr a while after they return t wrk (t help ensure it is a sustained return t wrk). The emplyee and the emplyer benefit frm the expertise, thrugh medically trained rehabilitatin cnsultants, and range f rehabilitatin services prvided by GIP insurers. Many emplyers are nt experts in dealing with incapacitated emplyees they will nt knw what t d r where t turn t get the mst apprpriate help and advice. GIP insurers are experts in this area and prvide invaluable supprt. The insurer is als seen as independent f the emplyer. The emplyer, emplyee and insurer wrk tgether t develp graduated return t wrk plans enabling the emplyee t gradually build up their hurs and activities. During this time insurers will pay a prprtin f the full benefit t supprt the return t wrk. This will frequently invlve investigating reasnable adjustments which will help ensure emplyers meet their requirements under the Equality Act. The insurer assesses the claim t ensure that benefit payments can cmmence prmptly. In additin insurers may be able t signpst the emplyer and emplyee t relevant supprt services fr claims where early interventin may nt be apprpriate (e.g. where the emplyee has been diagnsed with cancer). Cntinuatin f ther emplyee benefits Integratin with pensin Assciated prducts GIP plicies wrk in cnjunctin with ther emplyee benefits. As the emplyee wh is receiving benefits remains in service they will cntinue t qualify fr ther emplyee benefits prvided by the emplyer e.g. grup life cver can be maintained and this is especially imprtant fr thse wh are absent due t illness r injury. GIP plicies can be designed t integrate with emplyer pensin arrangements. An emplyee wh is receiving benefit thrugh GIP remains in service, with cntributins nging t their pensin (if cntributins are als insured). If the incapacity lasts until pensin age the pensin can start as the GIP benefit stps. GIP insurers may prvide access t assciated prducts designed t imprve the health and wellbeing f emplyees and prevent absence in the first place - fr example mst GIP insurers prvide access t an Emplyee Assistance Prgramme (EAP) which typically prvides a lifestyle helpline t help emplyees deal with things like childcare, stress and debt.

3 Case study A Mr A had been wrking in an IT rle when he was diagnsed with a severe depressive illness. He was hspitalised and subsequently attended an intensive day patient prgramme. As a result f his illness he was absent frm wrk fr mre than tw years. His emplyer had a GIP plicy which ensured that Mr A received a mnthly incme during his illness (please see financial benefits prvided by insurers belw) s that he did nt have financial wrries n tp f his illness. Rehabilitatin supprt prvided by GIP insurers GIP insurers wrk with emplyers and their emplyees t achieve early returns t wrk when it is safe and apprpriate t d s. In this case the insurer prvided supprt t Mr A during his illness and gave advice n the steps he culd take t assist a return t wrk. Regular meetings were held between the insurer, Mr A and his emplyer (the plicyhlder). At the apprpriate time the insurer: - instigated a discussin arund a return t wrk - was instrumental in drawing up a tailred graduated return t wrk prgramme (e.g. initial emphasis n lw pririty tasks and reduced hurs) - undertk preparatry grundwrk fr the return t wrk (e.g. meetings with relevant parties t ensure that expectatins were managed and gals understd) - mnitred prgress with upgrades (e.g. mre tasks and mre hurs) taking place when apprpriate - prvided Mr A with supprt during the return t wrk prgramme (e.g. weekly telephne calls encuraging a fcus n the psitives and achievements) - ensured nging supprt was in place t manage any setbacks. Over time Mr A became mre cnfident that he culd achieve the upgrades and suggested further upgrades himself. After the return t wrk was cmplete the insurer cntinued t prvide telephne supprt t Mr A fr several mnths. During Mr A s graduated return t wrk, the insurer paid a prprtinate benefit fr example if he was earning 25% f his pre-incapacity salary the insurer wuld pay 75% f the full benefit. If his earnings increased t 50% f salary, the insurer wuld pay 50% f the full benefit. In additin Mr A s emplyer may insure r self-insure pensin scheme cntributins ensuring that, in the event Mr A had been unable t wrk again, he wuld receive a pensin in the same way as if he had nt been ill and absent frm wrk further reducing reliance n the State.

4 Financial benefits prvided by GIP insurers As this is a real case study it wuld nt be apprpriate t reveal Mr A s actual salary but are instead shwing a ntinal salary and the mst cmmn benefit design f 75% f salary less ESA. He is cntracted-in fr NI cntributins. Factrs as at April Pre-incapacity incme Befre he became ill Mr A was earning 30,000 p.a. He was nt receiving any State benefits. He cntributed 6,782 in tax and NI cntributins. In additin his emplyer was paying NI cntributins f 3,077. State incme State csts Incme tax 4,112 Emplyee NI 2,670 Emplyer NI 3,077 State Benefits 0 Ttal 9,859 0 Incme during incapacity with GIP insurance The benefit under his emplyer s GIP plicy was 17,293 (75% f salary less ESA); this is paid t his emplyer (the plicyhlder) wh then deducts tax and emplyee NI cntributins thrugh the PAYE system befre paying the net benefit t Mr A. Mr A wuld als receive ESA f 5,207 a ttal incme during incapacity f 22,500. He wuld still be cntributing tax and NI cntributins f 3,757 and his emplyer wuld be paying NI cntributins f 1,324. State incme State csts Incme tax 2,612 Emplyee NI 1,145 Emplyer NI 1,324 State Benefits 5,207 Ttal 5,081 5,207 Incme during incapacity withut GIP insurance Withut his emplyer s GIP plicy Mr A wuld rely slely n the State his incme during incapacity wuld be cntributry ESA payable at a rate f 5,207 fr 365 days. He wuld nt be cntributing tax r NI cntributins. State incme State csts Incme tax 0 Emplyee NI 0 Emplyer NI 0 State Benefits 5,207 Ttal 0 5,207 At the end f 365 days Mr A s cntributry ESA wuld stp and nce any savings had been used up he wuld be entitled t means tested benefits. We understand that at the present time the State Benefits culd include: Means-tested ESA Husing Benefit Enhanced Disability Premium Mrtgage interest relief Severe Disability Premium Child Tax Credit Cuncil Tax Benefit

5 Case study B Ms B was in her early 50 s and wrking as an accuntant when she was diagnsed with multiple sclersis. As her disease prgressed she became mre and mre fatigued and under medical advice began wrking shrter hurs t reduce her symptms. Her emplyer had a GIP plicy and the insurers paid a prprtinate benefit (as Ms B was wrking n a part time basis). Sme mnths later as her disease cntinued t prgress she suffered physical limitatins with her mbility and t alleviate her symptms she reduced her hurs again. At this pint the insurer increased the prprtinate benefit payable. Her cnditin subsequently wrsened and Ms B had t stp wrking altgether. At this time the insurer began t pay the full mnthly benefit and expects t cntinue ding s right up t the expiry age f the plicy. Case study C Ms C s emplyers ntified the insurer nce she had been absent fr eight weeks due t lw md. It was established that Ms C had recently suffered bereavements, relatinship breakdwn and a number f ther difficulties and that the resulting stress had led t deteriratin in her cnditin. She was tearful, anxius and experiencing panic attacks, disturbed sleep and impaired cncentratin. Ms C was under the care f her GP and had been prescribed anti-depressants and medicatin t help with the panic attacks. The insurer instigated a management prgramme which included a curse f six Cgnitive Behaviural Therapy (CBT) sessins. The sessins started within three weeks and tk place frtnightly. Cntact was maintained with Ms C t ensure that she was prgressing as expected and had the supprt she needed. Ms C s emplyers were kept updated with prgress and pssible future actins and utcmes. Ms C engaged well and after the secnd CBT sessin return t wrk ptins were raised. Fllwing discussins between the insurer, the emplyer and Ms C a graduated return t wrk plan was drawn up which started shrtly after the furth CBT sessin. Returning t wrk after a perid f sickness absence can be stressful in itself and supprt was prvided during this perid and beynd t ensure Ms C culd cpe in the wrkplace. The emplyer als mnitred the situatin t make sure that the return t wrk was nt causing additinal stress. Ms C cntinued the CBT sessins and her hurs were gradually increased ver a perid f ten weeks until she returned t wrk full time. Summary f the benefits f GIP t: Emplyees - faster return t health (and wrk which is generally cnsidered t be gd fr peple), scial exclusin avided, able t maintain a reasnable standard f living in relatin t pre-incapacity earnings thereby aviding mney wrries (which culd hinder recvery), pensin prvisin maintained etc Emplyers - reduced absence and assciated csts, will nt be deprived f the skills and knwledge f valued emplyees, access t early interventin and return t wrk service expertise etc State less expenditure n State Benefits and services, tax payments received Ecnmy the emplyee still has mney t spend r invest

FINANCE SCRUTINY SUB-COMMITTEE

FINANCE SCRUTINY SUB-COMMITTEE REPORT FOR: PERFORMANCE AND FINANCE SCRUTINY SUB-COMMITTEE Date f Meeting: 6 January 2015 Subject: Staff Survey and Sickness Absence Mnitring Results and Actin plans Respnsible Officer: Scrutiny Lead Member

More information

An employer s Guide to engaging an occupational health physician

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

More information

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

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

More information

YOUR NEW SOUTH WALES WORKERS COMPENSATION CLAIM

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

More information

Patient Participation Report

Patient Participation Report Patient Participatin Reprt In 2011, Westngrve Partnership decided t establish a PPG (Patient Participatin Grup) that wuld allw us t engage with ur patients, receive feedback frm them and ensure that they

More information

DTO Advice Note. Mobility Management Plans

DTO Advice Note. Mobility Management Plans DUBLIN TRANSPORTATION OFFICE PREAMBLE s what and why are they? The s are intended as guidance fr Lcal Authrities and thers invlved in land use planning and develpment in the Greater Dublin Area. The need

More information

LASA. Swansea s Credit Union. Loan Application Form. Loans and Savings Abertawe

LASA. Swansea s Credit Union. Loan Application Form. Loans and Savings Abertawe LASA Lans and Savings Abertawe Swansea s Credit Unin Lan Applicatin Frm Frequently Asked Questins YOUR QUESTIONS ANSWERED PLEASE READ CAREFULLY Hw much can I brrw? The amunt f any lan granted is subject

More information

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

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

More information

UNIVERSITY OF CALIFORNIA MERCED PERFORMANCE MANAGEMENT GUIDELINES

UNIVERSITY OF CALIFORNIA MERCED PERFORMANCE MANAGEMENT GUIDELINES UNIVERSITY OF CALIFORNIA MERCED PERFORMANCE MANAGEMENT GUIDELINES REFERENCES AND RELATED POLICIES A. UC PPSM 2 -Definitin f Terms B. UC PPSM 12 -Nndiscriminatin in Emplyment C. UC PPSM 14 -Affirmative

More information

Change Management Process

Change Management Process Change Management Prcess B1.10 Change Management Prcess 1. Intrductin This plicy utlines [Yur Cmpany] s apprach t managing change within the rganisatin. All changes in strategy, activities and prcesses

More information

EXTENDED BENEFITS FOR TOTAL DISABILITY

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

More information

Communications Campaign Manager (15 Months Fixed Term Contract) Grade 4

Communications Campaign Manager (15 Months Fixed Term Contract) Grade 4 Cmmunicatins Campaign Manager (15 Mnths Fixed Term Cntract) Grade 4 Jb descriptin Jb title: Divisin: Cmmunicatins Campaign Manger Marketing Date: August 2015 Reprting t: Main cntacts: Marketing Manager

More information

There are a number of themed areas for which the Council has responsibility, and each of these is likely to generate debts of a specific type:

There are a number of themed areas for which the Council has responsibility, and each of these is likely to generate debts of a specific type: Wiltshire Cuncil Crprate Debt Recvery Plicy: 29102010 WILTSHIRE COUNCIL CORPORATE DEBT RECOVERY POLICY 1. Intrductin The Cuncil raises a significant prprtin f its ttal incmes thrugh lcal taxes and charges,

More information

DRUG, ALCOHOL AND SUBSTANCE MISUSE POLICY FOR THE WORKPLACE

DRUG, ALCOHOL AND SUBSTANCE MISUSE POLICY FOR THE WORKPLACE DRUG, ALCOHOL AND SUBSTANCE MISUSE POLICY FOR THE WORKPLACE Intrductin Write yur business name here recgnises that drug, alchl and substance misuse are grwing scial and medical prblems, which can lead

More information

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

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

More information

Department of Economic Development. Vocational Training Financial Support Scheme Guidance Document. Updated December 2014

Department of Economic Development. Vocational Training Financial Support Scheme Guidance Document. Updated December 2014 Department f Ecnmic Develpment Vcatinal Training Financial Supprt Scheme Guidance Dcument Updated December 2014 Cntents: 1. Purpse f the Dcument 2 2. Intrductin 2 3. Eligibility 3 4. Financial Assistance

More information

Employee Benefits Liability Policy

Employee Benefits Liability Policy Plicy 10/3084 part 3 Emplyee Benefits Liability Plicy Summary Publicatin Date March 2015 Review Date March 2016 Related Legislatin/Applicable Sectin f Legislatin Related Plicies, Prcedures, Guidelines,

More information

Health Care Reform: The New Law

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

More information

The Importance of Market Research

The Importance of Market Research The Imprtance f Market Research 1. What is market research? Successful businesses have extensive knwledge f their custmers and their cmpetitrs. Market research is the prcess f gathering infrmatin which

More information

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

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

More information

Improved ADP and ACP Safe Harbor Plan Designs

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

More information

Job Profile Data & Reporting Analyst (Grant Fund)

Job Profile Data & Reporting Analyst (Grant Fund) Jb Prfile Data & Reprting Analyst (Grant Fund) Directrate Lcatin Reprts t Hurs Finance Slihull Finance Directr Nminally 37 hurs but peratinally available at all times t meet Cmpany requirements Cntract

More information

The SENCO Responsible for:

The SENCO Responsible for: 1. Wh are the best peple t talk t at Keelham Primary Schl abut my child s difficulties with learning/ Special Educatinal Needs r disability (SEND)? The SENCO Respnsible fr: Crdinating all the supprt fr

More information

Health and Safety Training and Supervision

Health and Safety Training and Supervision Intrductin: Health and Safety Training and Supervisin University f Nttingham is cmmitted t maintaining and develping standards f excellence in all aspects f its business. T that end, the University aspires

More information

NHS Business Services Authority HR Policies Maternity Leave Policy

NHS Business Services Authority HR Policies Maternity Leave Policy NHS Business Services Authrity HR Plicies Maternity Leave Plicy 1. POLICY STATEMENT 1.1 The plicy is designed t make emplyees aware f their rights and entitlements during, and fllwing pregnancy and cnfrms

More information

Equal Pay Audit 2014 Summary

Equal Pay Audit 2014 Summary Equal Pay Audit 2014 Summary Abut the dcument The fllwing summary is an abridged versin f Ofcm s equal pay audit 2014. In the full versin f the reprt we set ut ur key findings, cmment n any issues arising

More information

Personal Financial Literacy: An Introduction to Financial Planning

Personal Financial Literacy: An Introduction to Financial Planning Persnal Financial Literacy: An Intrductin t Financial Planning Overview In this intrductry lessn n persnal financial literacy, students will discuss the imprtance f financial planning and the varius steps

More information

CTF-ENDORSED NF CLINICS: PRINCIPLES OF OPERATION

CTF-ENDORSED NF CLINICS: PRINCIPLES OF OPERATION Pilt Guidelines 2006 CTF-ENDORSED NF CLINICS: PRINCIPLES OF OPERATION Backgrund Children s Tumr Fundatin supprts research directed tward finding treatments fr neurfibrmatsis (NF) as well as effrts fcused

More information

Conversations of Performance Management

Conversations of Performance Management Cnversatins f Perfrmance Management Perfrmance Management at Ohi State The Secnd Cnversatin ~ Develpment 2011 The Ohi State University Office f Human Resurces Cntents Intrductin Welcme t Develping Emplyees...

More information

Advantage EAP Employee Assistance Program

Advantage EAP Employee Assistance Program Advantage EAP Emplyee Assistance Prgram July 2015 Finding Balance Creating Balance? 1,2 Finding balance in life ften feels ut f reach. It feels like everywhere we turn we are being asked t d mre and mre.

More information

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

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

More information

MA Social Work. When does it start? The next intake is September 2014. How long is the course? Two years (full-time)

MA Social Work. When does it start? The next intake is September 2014. How long is the course? Two years (full-time) MA Scial Wrk Des successful cmpletin f the curse result in a scial wrk qualificatin recgnised by Health and Care Prfessins Cuncil (HCPC)? Yes. It is imprtant t pint ut that successful cmpletin f the award

More information

MONTHLY PREMIUM OPTIONS

MONTHLY PREMIUM OPTIONS GROUP FUNERAL SCHEME BROKERS FSP35033 TEL: (021) 919 1861 VOX: 087 808 3007 FAX: (021) 9195072 / 086 628 0359 Email: inf@insurancepartners.c.za Web: www.insurancepartners.c.za Up t R20000 fr all persns

More information

Retirement Planning Options Annuities

Retirement Planning Options Annuities Retirement Planning Optins Annuities Everyne wants a glden retirement. But saving fr retirement is n easy task. The baby bmer generatin is graying. Mre and mre peple are appraching retirement age. With

More information

RE: Notice 2015-16 - Excise Tax on High Cost Employer-Sponsored Health Coverage

RE: Notice 2015-16 - Excise Tax on High Cost Employer-Sponsored Health Coverage Richard Stver, FSA, MAAA Principal and Cnsulting Actuary Knwledge Resurce Center May 15, 2015 Submitted electrnically via http://regulatins.gv/ Buck Cnsultants, LLC. 500 Plaza Drive Secaucus, NJ 07096

More information

Consultation on Pensions Tax Relief. Savings and Investments Policy project. Pension Taxation Proposals. Charles McCready, TSIP Programme Director

Consultation on Pensions Tax Relief. Savings and Investments Policy project. Pension Taxation Proposals. Charles McCready, TSIP Programme Director Cnsultatin n Pensins Tax Relief Savings and Investments Plicy prject Pensin Taxatin Prpsals Charles McCready, TSIP Prgramme Directr Overview The taxatin prpsals have been develped by members f the TSIP

More information

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

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

More information

Cell Phone & Data Access Policy Frequently Asked Questions

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

More information

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

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

More information

A Quick Read on the State of Small Business and the Small Business Success Index 2009 Baseline Study of Small Business Success

A Quick Read on the State of Small Business and the Small Business Success Index 2009 Baseline Study of Small Business Success A Quick Read n the State f Small Business and the Small Business Success Index 2009 Baseline Study f Small Business Success March 12, 2009 Spnsred by: Netwrk Slutins, LLC and Rbert H. Smith Schl f Business,

More information

SWARTHMORE GIFT PLANNING

SWARTHMORE GIFT PLANNING SWARTHMORE GIFT PLANNING Gift Basics Thank yu fr serving as a 50 th reunin gift planning representative fr yur class. Yur supprt fr the Cllege and yur membership in the Swarthmre Legacy Circle will serve

More information

- Upfront fee of $ + GST - Ongoing fee commencing immediately after plan implementation of $20.00 + GST per fortnight.

- Upfront fee of $ + GST - Ongoing fee commencing immediately after plan implementation of $20.00 + GST per fortnight. Cntract f engagement This cntract f engagement is between FSB 4 Financial Limited (the adviser) and (the client). Purpse This cntract establishes the relatinship between the adviser and the client relating

More information

SINGLE PUBLIC SERVICE PENSION SCHEME GENERAL OUTLINE OF STANDARD TERMS

SINGLE PUBLIC SERVICE PENSION SCHEME GENERAL OUTLINE OF STANDARD TERMS SINGLE PUBLIC SERVICE PENSION SCHEME GENERAL OUTLINE OF STANDARD TERMS January 2013 This is a summary guide t the Single Public Service Pensin Scheme and shuld be read alngside r in cnjunctin with the

More information

March 2016 Group A Payment Issues: Missing Information-Loss Calculation letters ( MILC ) - deficiency resolutions: Outstanding appeals:

March 2016 Group A Payment Issues: Missing Information-Loss Calculation letters ( MILC ) - deficiency resolutions: Outstanding appeals: The fllwing tpics were discussed in the March 24, 2016 meeting with law firms representing VCF claimants. Grup A Payment Issues: We cntinue t fcus n paying Grup A claims in full and are meeting the schedule

More information

Cornwall Partners in Care

Cornwall Partners in Care Crnwall Partners in Care Mving Frward Versin 2.0 8 th January 2014 By Richard Mnk Crnwall Partners in Care August 2013 Page 1 f 6 CPIC mving frward This dcument has been created t help prvide a little

More information

ONGOING FEEDBACK AND PERFORMANCE MANAGEMENT. A. Principles and Benefits of Ongoing Feedback

ONGOING FEEDBACK AND PERFORMANCE MANAGEMENT. A. Principles and Benefits of Ongoing Feedback ONGOING FEEDBACK AND PERFORMANCE MANAGEMENT A. Principles and Benefits f Onging Feedback While it may seem like an added respnsibility t managers already "full plate," managers that prvide nging feedback

More information

WHAT SHOULD I LOOK FOR WHEN I BUY HEALTH INSURANCE?

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

More information

Housing First: A New Approach to Ending Homelessness for Families

Housing First: A New Approach to Ending Homelessness for Families THE NATIONAL ALLIANCE TO END HOMELESSNESS, INC. Husing First: A New Apprach t Ending Hmelessness fr Families Many cmmunities are adpting a Husing First apprach t ending hmelessness fr families. The apprach

More information

PLANNING AND HOUSING POLICY ADVISORY PANEL. 30 October 2012

PLANNING AND HOUSING POLICY ADVISORY PANEL. 30 October 2012 PLANNING AND HOUSING POLICY ADVISORY PANEL 30 Octber 2012 Held at Training Rm 1 - Elizabeth Huse, Stratfrd-upn-Avn Meeting cmmenced: 2.00 p.m. Meeting ended: 3.43 p.m. MINUTES Present: Aplgies: Cuncillr

More information

We will record and prepare documents based off the information presented

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

More information

Guide to TEMPORAY AGENCY WORKERS RIGHTS

Guide to TEMPORAY AGENCY WORKERS RIGHTS Davies and Partners Slicitrs Guide t TEMPORAY AGENCY WORKERS RIGHTS Latham Huse 135 Aztec West Rwan Huse 57 Queen Anne Street 33-34 Paradise Street Almndsbury Barnett Way Lndn Birmingham Bristl Barnwd

More information

Hearing Loss Regulations Vendor information pack

Hearing Loss Regulations Vendor information pack Hearing Lss Regulatins Vendr infrmatin pack Nvember 2010 Implementing the Accident Cmpensatin (Apprtining Entitlements fr Hearing Lss) Regulatins 2010 The Minister fr ACC, the Hn. Dr Nick Smith, has annunced

More information

A Walk on the Human Performance Side Part I

A Walk on the Human Performance Side Part I A Walk n the Human Perfrmance Side Part I Perfrmance Architects have a license t snp. We are in the business f supprting ur client rganizatins in their quest fr results that meet r exceed gals. We accmplish

More information

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

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

More information

NAVIPLAN PREMIUM LEARNING GUIDE. Analyze, compare, and present insurance scenarios

NAVIPLAN PREMIUM LEARNING GUIDE. Analyze, compare, and present insurance scenarios NAVIPLAN PREMIUM LEARNING GUIDE Analyze, cmpare, and present insurance scenaris Cntents Analyze, cmpare, and present insurance scenaris 1 Learning bjectives 1 NaviPlan planning stages 1 Client case 2 Analyze

More information

Special Tax Notice Regarding 403(b) (TSA) Distributions

Special Tax Notice Regarding 403(b) (TSA) Distributions Special Tax Ntice Regarding 403(b) (TSA) Distributins P.O. Bx 7893 Madisn, WI 53707-7893 1-800-279-4030 Fax: (608) 237-2529 The IRS requires us t prvide yu with a cpy f the Explanatin f Direct Rllver,

More information

The Patient Choice, Affordability, Responsibility, and Empowerment Act

The Patient Choice, Affordability, Responsibility, and Empowerment Act The Patient Chice, Affrdability, Respnsibility, and Empwerment Act January 30, 2014 In January 2014, Senatrs Richard Burr (NC), Tm Cburn (OK), and Orrin Hatch (UT) made public a prpsal the Patient Chice,

More information

ES PROCEDURES FOR OVERPAYMENT RECOVERY

ES PROCEDURES FOR OVERPAYMENT RECOVERY ES PROCEDURES FOR OVERPAYMENT RECOVERY Effective: 7/1/2012 Respnsible Office: Emplyee Services (ES) Apprved: ES Directr Applicatin: All Emplyees f the University f Clrad Plicy The University f Clrad will

More information

What Does Specialty Own Occupation Really Mean?

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

More information

Gravesham Borough Council

Gravesham Borough Council Classificatin: Part 1 Public Key Decisin: Please specify - N Gravesham Brugh Cuncil Reprt t: Perfrmance and Administratin Cmmittee Date: 12 Nvember 2015 Reprting fficer: Subject: Crprate Perfrmance Manager

More information

Buxlow Preparatory School Disability Discrimination and Accessibility 2015-2018 (Whole School including EYFS)

Buxlow Preparatory School Disability Discrimination and Accessibility 2015-2018 (Whole School including EYFS) Buxlw Preparatry Schl Disability Discriminatin and Accessibility 2015-2018 (Whle Schl including EYFS) Statement The SEN and Disability Act 2001 extended the Disability Discriminatin Act 1995 (DDA) t cver

More information

explaining in an open, transparent and accessible way how the University will treat students who have outstanding debt owed to the University.

explaining in an open, transparent and accessible way how the University will treat students who have outstanding debt owed to the University. University f Stirling Student Payment Plicy 1. Intrductin This dcument sets ut the University s plicy in relatin t the cllectin f student fees and charges payable t the University by current and frmer

More information

OUR DISCIPLINARY POLICY

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

More information

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

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

More information

FY 2014 Senior Level (SL) and Scientific or Professional (ST) Performance Appraisal System Opening Guidance

FY 2014 Senior Level (SL) and Scientific or Professional (ST) Performance Appraisal System Opening Guidance Office f Executive Resurces Office f the Chief Human Capital Officer U.S. Department f Energy FY 2014 Senir Level (SL) and Scientific r Prfessinal (ST) Perfrmance Appraisal System Opening Guidance Table

More information

How to increase your income / reduce your expenditure as a cancer patient / carer:

How to increase your income / reduce your expenditure as a cancer patient / carer: Hw t increase yur incme / reduce yur expenditure as a cancer patient / carer: Try t plan ahead if yu can and think abut what yur incme and spending is and hw this will be affected if yu have t have time

More information

Budget Workbook. $ Live within your income. $ Realize personal more effectively. $ Develop economic competence and confidence goals

Budget Workbook. $ Live within your income. $ Realize personal more effectively. $ Develop economic competence and confidence goals Budget Wrkbk This budget wrkbk was cmpiled t help yu find a simple and practical guide fr managing yur mney. Mney management abilities can have a great effect n the degree f satisfactin we gain frm life.

More information

Our ref: Accident Compensation / Tort Law Committee 22 March 2013. OPERATION OF QUEENSLAND S WORKERS COMPENSATION SCHEME Additional Submission

Our ref: Accident Compensation / Tort Law Committee 22 March 2013. OPERATION OF QUEENSLAND S WORKERS COMPENSATION SCHEME Additional Submission Our ref: Accident Cmpensatin / Trt Law Cmmittee 22 March 2013 The Research Directr Finance and Administratin Cmmittee Parliament Huse Gerge Street BRISBANE QLD 4000 Dear Research Directr By email: fac@parliament.qld.gv.au

More information

Benefits of Contractor Workforce Solution Outsourcing - Risk Management. 10 December 2010 CXC Global Research

Benefits of Contractor Workforce Solution Outsourcing - Risk Management. 10 December 2010 CXC Global Research Benefits f Cntractr Wrkfrce Slutin Outsurcing - Risk Management 10 December 2010 CXC Glbal Research Executive Summary CXC Glbal is a specialist Cntractr Management Cmpany with enrmus depth f experience

More information

Symantec User Authentication Service Level Agreement

Symantec User Authentication Service Level Agreement Symantec User Authenticatin Service Level Agreement Overview and Scpe This Symantec User Authenticatin service level agreement ( SLA ) applies t Symantec User Authenticatin prducts/services, such as Managed

More information

LASTING POWER OF ATTORNEY EXPLANATORY LEAFLET

LASTING POWER OF ATTORNEY EXPLANATORY LEAFLET LASTING POWER OF ATTORNEY EXPLANATORY LEAFLET A Pwer f Attrney is a legal dcument where a persn gives anther persn r persns (the Attrney) authrity t make certain decisins n his r her behalf. A Lasting

More information

Here are some simple guidelines to follow for making wise investments:

Here are some simple guidelines to follow for making wise investments: FAQ - Investment 1. What affects the value f mney? Mney has a tendency t lse its value ver time because the price f gds and services has an upward tendency. This is called inflatin. Here are sme factrs

More information

To discuss Chapter 13 bankruptcy questions with our bankruptcy attorney, please call us or fill out a Free Evaluation form on our website.

To discuss Chapter 13 bankruptcy questions with our bankruptcy attorney, please call us or fill out a Free Evaluation form on our website. Intrductin This Ebk fcuses n Chapter 13 bankruptcy, hw it wrks, and hw it helps yu eliminate debt and keep yur assets (such as yur hme). We hpe yu find this infrmatin t be helpful. T discuss Chapter 13

More information

Updated PT, OT, and ST Benefit Changes for Acute Services for Texas Medicaid Effective January 1, 2014

Updated PT, OT, and ST Benefit Changes for Acute Services for Texas Medicaid Effective January 1, 2014 Updated PT, OT, and ST Benefit Changes fr Acute Services fr Texas Medicaid Effective January 1, 2014 Infrmatin psted December 31, 2013 Nte: This article applies t claims submitted t TMHP fr prcessing.

More information

Heythrop College Disciplinary Procedure for Support Staff

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

More information

An Innovative Outsourcing Solution for Ennis General Hospital. - Improved Radiology Services at Reduced Cost

An Innovative Outsourcing Solution for Ennis General Hospital. - Improved Radiology Services at Reduced Cost GLOBAL DIAGNOSTICS & ENNIS GENERAL HOSPITAL. An Innvative Outsurcing Slutin fr Ennis General Hspital - Imprved Radilgy Services at Reduced Cst Sinead O Cnnr General Manager, Glbal Diagnstics Ireland September

More information

Public consultation paper

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

More information

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

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

More information

Corporate Standards for data quality and the collation of data for external presentation

Corporate Standards for data quality and the collation of data for external presentation The University f Kent Crprate Standards fr data quality and the cllatin f data fr external presentatin This paper intrduces a set f standards with the aim f safeguarding the University s psitin in published

More information

Clinical Guidance. Change History Date Change details, since approval Approved by

Clinical Guidance. Change History Date Change details, since approval Approved by Clinical Guidance Guidance n the management f adult inpatient falls Summary This guidance is fr all staff in the preventin and management f falls in adult in-patients. It invlves a risk assessment and

More information

Making Home Affordable Program Update

Making Home Affordable Program Update Making Hme Affrdable Prgram Update On February 18, the Obama Administratin annunced the Making Hme Affrdable (MHA) Prgram, a cmprehensive plan t stabilize the U.S. husing market. As prmised, tw weeks later

More information

Writing Good Care Plans

Writing Good Care Plans Writing Gd Care Plans A gd practice guide Cre Care Standard Care Planning: Yu will have a clear care plan 1. Intrductin Cntents 2. Where and hw the care plan shuld be written 3. Cntent f care plans 4.

More information

Duration of job. Context and environment: (e.g. dept description, region description, organogram)

Duration of job. Context and environment: (e.g. dept description, region description, organogram) Rle Prfile Jb Descriptin Jb Title Ref n: Prgramme Manager, Services fr Internatinal Educatin Marketing Directrate r Regin East Asia Department/Cuntry Indnesia Lcatin f pst Jakarta Pay Band G Reprts t Senir

More information

Listed Places of Worship: Roof Repair Fund - Receiving a Grant Monitoring; Permission to Start; and Grant payment

Listed Places of Worship: Roof Repair Fund - Receiving a Grant Monitoring; Permission to Start; and Grant payment Listed Places f Wrship: Rf Repair Fund - Receiving a Grant If yu require a cpy f this guidance in an alternative frmat (large print, Braille r audi versin), r if yur first language is nt English, we can

More information

APPENDIX 1C Benefit Information for WITC Management 2014-2015

APPENDIX 1C Benefit Information for WITC Management 2014-2015 U Benefit Infrmatin fr WITC Management 2014-2015 ELIGIBILITY Full Time 1,560 t 1,950 hurs per year Part Time 1,000 t 1,559 hurs (benefits with an * apply and/r are prrated) GROUP MEDICAL INSURANCE Tw medical

More information

HUMAN RESOURCE DEVELOPMENT FOR ADJUSTMENT AT THE ENTERPRISE LEVEL

HUMAN RESOURCE DEVELOPMENT FOR ADJUSTMENT AT THE ENTERPRISE LEVEL INTERNATIONAL LABOUR ORGANISATION ACT/EMP PUBLICATIONS [Tp] HUMAN RESOURCE DEVELOPMENT FOR ADJUSTMENT AT THE ENTERPRISE LEVEL Training Prgramme (Edited by C.S. Venkata Ratnam) [Next] Table f Cntents Intrductin

More information

CROPREDY SURGERY Dr J Wright & Dr B Tucker

CROPREDY SURGERY Dr J Wright & Dr B Tucker CROPREDY SURGERY Dr J Wright & Dr B Tucker POLICY - COMPLAINTS Intrductin The bjectives f the cmplaints plicy are as fllws. Any cmplaint is dealt with in an effective and timely manner The cmplainant is

More information

Online Learning Portal best practices guide

Online Learning Portal best practices guide Online Learning Prtal Best Practices Guide best practices guide This dcument prvides Micrsft Sftware Assurance Benefit Administratrs with best practices fr implementing e-learning thrugh the Micrsft Online

More information

THE MAKE IT WORK CAMPAIGN S POLICY PROPOSAL ON CAREGIVING: CHILD CARE, EARLY EDUCATION, AFTER SCHOOL CARE AND LONG-TERM CARE

THE MAKE IT WORK CAMPAIGN S POLICY PROPOSAL ON CAREGIVING: CHILD CARE, EARLY EDUCATION, AFTER SCHOOL CARE AND LONG-TERM CARE THE MAKE IT WORK CAMPAIGN S POLICY PROPOSAL ON CAREGIVING: CHILD CARE, EARLY EDUCATION, AFTER SCHOOL CARE AND LONG-TERM CARE POLICY PROPOSAL ON CHILD CARE, EARLY EDUCATION, AFTER SCHOOL CARE As child care

More information

The Town of Fort Frances

The Town of Fort Frances The Twn f Frt Frances PERFORMANCE APPRAISAL POLICY SECTION HUMAN RESOURCES REVISED August 2002 Reslutin N. Supercedes Reslutin N. Plicy Number 3.3 PAGE 1 f 9 1. PURPOSE: The purpse f supprt staff perfrmance

More information

UNIVERSITY OF WINCHESTER

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

More information

Retirement Age Of 65 To Stay... For Now

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

More information

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

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

More information

7 October 2011. Re: Themed Inspection into Third Party Personal Injury Claims. Dear

7 October 2011. Re: Themed Inspection into Third Party Personal Injury Claims. Dear 7 Octber 2011 Re: Themed Inspectin int Third Party Persnal Injury Claims Dear During 2011 the Central Bank f Ireland ( Central Bank ) undertk a themed inspectin prject in relatin t the prcessing f third

More information

The shared ownership calculator is available to download from the HCA s capital funding guide.

The shared ownership calculator is available to download from the HCA s capital funding guide. Shared Ownership Affrdability Calculatrs Guidance nte Plicy The calculatr has been created t supprt further emphases being placed n applicants applying fr shared wnership maximising their wn cntributin

More information

Better Practice Guide Financial Considerations for Government use of Cloud Computing

Better Practice Guide Financial Considerations for Government use of Cloud Computing Better Practice Guide Financial Cnsideratins fr Gvernment use f Clud Cmputing Nvember 2011 Intrductin Many Australian Gvernment agencies are in the prcess f cnsidering the adptin f clud-based slutins.

More information

Richmond Clinical Commissioning Group Report Summary

Richmond Clinical Commissioning Group Report Summary Richmnd Clinical Cmmissining Grup Reprt Summary Meeting Title: Gverning Bdy Date: 16 September 2014 Reprt Title: Better Care Fund Plan Agenda Item: 8 Attachment: D Purpse: (please delete /N as apprpriate)

More information

Communal Property Institution Capacity Assessment Tool

Communal Property Institution Capacity Assessment Tool Cmmunal Prperty Institutin Capacity Assessment Tl Intrductin t cmmunal prperty institutins Cmmunal prperty institutins (CPIs) Participants in the land refrm prgramme can hld prperty thrugh different frms

More information

Implementing an electronic document and records management system using SharePoint 7

Implementing an electronic document and records management system using SharePoint 7 Reprt title Agenda item Implementing an electrnic dcument and recrds management system using SharePint 7 Meeting Finance, Prcurement & Prperty Cmmittee 16 June 2008 Date Reprt by Dcument Number Head f

More information

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

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

More information