Season s Greetings. President s Message

Size: px
Start display at page:

Download "Season s Greetings. President s Message"

Transcription

1 News SOLELY FOR BENEFIT December 2012 BOARD OF DIRECTORS PRESIDENT Tret White Pharmacists Associatio of Newfoudlad ad Labrador (PANL) SECRETARY/TREASURER Price Edward Islad Pharmacists Associatio (PEI) DIRECTORS: Mel Baxter (MSP) Pharmacists Associatio of Newfoudlad ad Labrador (PANL) Eri Farrell-MacKezie Price Edward Islad Pharmacists Associatio (PEI) Alberta Pharmacists Associatio (RxA) Brea Shearer (MSP) Margaret Wig Alberta Pharmacists Associatio (RxA) ADMINISTRATIVE OFFICES: 2175 Sheppard Ave. E., Suite 310 Toroto, ON M2J 1W8 Tel: Fax: Website: Presidet s Message As aother year draws to a close, the Caadia Pharmacists Beefits Associatio (CPBA) cotiues to work o behalf of its members. I Newfoudlad ad Labrador a ew Pharmacy Act is goig through the Legislature to eable Pharmacy Techicia regulatio as well as a expaded scope of practice for the Pharmacists i that provice. Similar chages are takig place i provices right across the coutry which makes the issue of malpractice isurace more importat tha ever. CPBA has policy offerigs that are secod to oe ad afford a level of coverage that gives Pharmacists the security to practice kowig they have the highest quality coverage available. As 2012 draws to a close I would like to persoally wish each ad every member of our member orgaizatios a safe ad fu-filled holiday seaso! Regards, Tret White Presidet, CPBA Seaso s Greetigs O behalf of everyoe o the CPBA Board of Directors ad staff, we wish all of our readers a woderful Holiday Seaso ad a Healthy, Happy ad Successful New Year! Meloie Hart Director of Operatios Georgia Katsiochristos Admiistrative Co-ordiator

2 CPBA News page 2 of 5 Member Associatio Reports Maitoba Report Mel Baxter Pharmacists i Maitoba rely o the (MSP) to advocate for their ecoomic ad professioal iterests. The provisio of malpractice isurace through the Caadia Pharmacists Beefits Associatio (CPBA) is a importat aspect of that missio. With the promise of the expadig scope of pharmacy practice comig ever earer, it is more importat tha ever. The idividual malpractice isurace policies purchased by MSP o our members behalf has bee developed by CPBA to: provide coverage that meets the requiremets of the ew Pharmaceutical Act ad Regulatios oce they are approved, ad provide coverage for the expaded scope of practice that will be eabled by the legislatio CPBA provides the best malpractice isurace possible through a A rated isurace carrier ad is exclusively available to provicial member associatios. At the CPBA Aual Geeral Meetig held i October, MSP Executive Director, Dr. Brea Shearer assumed her role as Director o the CPBA Board ad I was elected to the positio of Presidet-Elect. Together with our couterparts from the other provicial member associatios, you ca rest assured that the CPBA Board is focused o your best iterests. For more iformatio o CPBA ad the malpractice isurace provided with MSP membership please visit: This year MSP will be celebratig our 40th aiversary ad we would like to thak all of our members for their may years of support. The opportuity to advocate ad esure that pharmacists receive recogitio for their ivaluable role i the provisio of health care is extremely rewardig. Further iformatio regardig aiversary celebratios will be shared i the New Year. Mel Baxter, Presidet Alberta Report 2012 has bee a importat year for the pharmacist professio i Alberta! The questio pharmacists are askig is, what does this mea for my professioal liability isurace? O July 1, 2012, the Pharmacy Services Framework, a ew compesatio model for Alberta pharmacists, came ito effect. It marked a sigificat step forward i eablig pharmacist practice chage ad paves the way for a bright future i supportig the role of pharmacists i primary care. This framework is complemetary to the scope of practice of pharmacists that was implemeted i 2007, so the ability of pharmacists to provide these services is ot ew. July 1 meat that pharmacists will ow be compesated to deliver the services that they have bee eabled to do i legislatio, beyod that of dispesig medicatio. Lear more here: Cotiued

3 CPBA News page 3 of 5 Aother step forward i Alberta has bee the icreased utilizatio of pharmacists i the provice s Iflueza Immuizatio Program. Last year, Alberta pharmacists immuized over 90,000 Albertas agaist iflueza. This year, Alberta Health has set a target of immuizig oe millio Albertas agaist iflueza. That s a big umber ad I suspect visits to pharmacies for iflueza vacciatios will climb this year as the professio cotiues to play a vital role i the program. So, back to the start of the article.are you covered for expaded scope of practice? The Caadia Phramacists Beefits Associatio (CPBA) is maaged ad operated for the sole beefit of provicial member associatios, ad works to provide members with the best liability isurace. Alberta pharmacists ca rest easy kowig the CPBA professioal liability isurace offered through RxA exceeds the Alberta College of Pharmacists requiremets ad is well-suited for traditioal roles as well as expadig scope of practice. For more iformatio, visit or cotact RxA at Alberta Pharmacists Associatio (RxA) Newfoudlad ad Labrador Report 2012 was a year of rapid evolutio i pharmacy i Newfoudlad ad Labrador. Pursuat to the ew forward-lookig cotract fialized this year betwee the professio ad the provicial govermet, we have see the itroductio of recogized medicatio reviews for patiets with diabetes ad a threetiered subsidy program to support commuity-based retail pharmacies i rural ad remote commuities across the provice. I December, Bill 50, a Act to Regulate the Practice of Pharmacy, was itroduced i the House of Assembly. Passage is aticipated before the House rises, although some sectios of the ew legislatio will come ito force o a delayed basis to facilitate the preparatio of associated regulatios. Pharmacy techicias will be regulated by the Newfoudlad ad Labrador Pharmacy Board (NLPB) ad a ew quality assurace structure ad program will emphasize cotiuig educatio ad professioal developmet. Expasio of pharmacists scope of practice will be made possible through NLPB regulatio istead of requirig future legislatio, a positive developmet that will provide growth ad adaptability i our professio. Very happy holidays from PANL s members, Board of Directors ad staff. Please visit us olie at Pharmacists Associatio of Newfoudlad ad Labrador (PANL)

4 CPBA News page 4 of 5 Price Edward Islad Report The past few moths have brought dramatic chage i pharmacy reimbursemet i PEI with the ew govermet agreemet comig ito effect. It has had, ad will cotiue to have, a profoud impact o our stores. The fiacial pressure of this chagig busiess model will force us to seek reimbursemet i ew areas of practice. Withi the ew agreemet was a commitmet o behalf of govermet to fially provide reimbursemet for cliical services. While these services have yet to be defied, the ext few moths promise to brig eve more chages as we start to itegrate these services ito our practice sites oce details are fialized. With these ew ehaced services comes ew risks ad liability for the pharmacist. Fortuately, the professioal liability coverage provided through the Caadia Pharmacists Beefits Associatio (CPBA) is comprehesive ad will expad as the scope of practice evolves. We also offer several coverage level optios for your protectio. Please esure that you take the time to evaluate your isurace eeds ad esure your level of coverage is sufficiet for your practice eviromet. Your CPBA team is always available to offer assistace ad aswer ay questios you might have. Price Edward Islad Pharmacists Associatio (PEI) MOORE-MCLEAN REPORT: Claims Procedures for Pharmacist i the CPBA Coverage for professioal liability, otherwise kow as Errors ad Omissios isurace, covers pharmacists for a error or omissio that may occur i the delivery of services or products offered by them. The questio geerally asked i regards to Errors ad Omissios isurace is whe does oe seek assistace whe a claim has bee made agaist them? Gerry Olsthoor If you are preseted with a legal documet (a lawsuit), or a simple demad letter from a law office, you eed to cotact your broker as soo as possible. Aother idicator that someoe may be iitiatig actio is a verbal commet or complait. Ofte these actios are the begiig of more serious actios to follow. Notify your broker about the issue so that it ca be discussed ad a mutual course of actio ca be agreed upo. Oe coverage iclusio that is ofte overlooked i regards to Errors ad Omissios isurace is that defese lawyer costs are covered i your policy. Some claims made agaist pharmacists may be foud to be false ad frivolous, therefore, havig your lawyer s bill paid for you ca be comfortig. The ext step if you do have a claim is for you to sed all writte otes ad details to your broker. The isurace compay is goig to wat to kow what happeed, where, whe, why ad who. These importat details are referred to as the W5. Oce the isurace compay receives your claim iformatio, they will iput it ito their system. They will esure that the ame o the documets preseted matches the ame o the policy that is i force. Cotiued

5 CPBA News page 5 of 5 MOORE-MCLEAN REPORT A iteral adjuster is assiged to review the alleged error ad/or omissio. Ofte the adjuster will call the pharmacist to verify the details of the claim, ad it is importat to ote that this coversatio could be recorded. Oce the adjuster has decided that it is a covered loss, the isurace compay has the legal resposibility to defed the pharmacist. The pharmacist will ot eed to hire his/her ow lawyer as a law firm will be selected by the isurace compay o their behalf. This law firm will specialize i the errors ad omissios isurace field ad will be extremely reputable i regards to the isurace field. They will settle the claim o your behalf as they see fit. This legal process ca take moths ad sometimes eve years to come to completio. A pharmacist with a pedig claim ca cotact Moore-McLea for updates ad progress o the claim at ay time. Some commo claims uder a Errors & Omissios policy: Icorrect Dispesig This icludes icorrect labelig, icorrect dosage, ad icorrect drug beig give, or forgettig to fill a listed prescriptio. Icorrect dispesig costitutes almost half of all claims that are made. Serious illess ad eve death has occurred from this type of mistake. This is the leadig cause of claims i your field. Drug Iteractio This icludes a missed dagerous drug iteractio or multiple drug toxicities. This error ca also lead to serious ijury or death. Failure to provide cousel This ivolves the failure to provide iformatio about a drug to a cliet who is receivig it. A pharmacist, with a pedig claim, ca cotact Moore-McLea Isurace Group Ltd. for assistace as soo as the claim agaist them arises. Should you eed ay updates o the progress ad status of the claim, cotact Moore-McLea Isurace Group Ltd. for a full overview. Gerry Olsthoor, BA Vice Presidet, Busiess Developmet Moore-McLea Isurace Group

Professional Networking

Professional Networking Professioal Networkig 1. Lear from people who ve bee where you are. Oe of your best resources for etworkig is alumi from your school. They ve take the classes you have take, they have bee o the job market

More information

Privacy Guide for Small Businesses: The Basics

Privacy Guide for Small Businesses: The Basics Office of the Privacy Commissioer of Caada PIPEDA Privacy Guide for Small Busiesses: The Basics Privacy is the best policy Hadlig privacy cocers correctly ca help improve your orgaizatio s reputatio. Whe

More information

RISK TRANSFER FOR DESIGN-BUILD TEAMS

RISK TRANSFER FOR DESIGN-BUILD TEAMS WILLIS CONSTRUCTION PRACTICE I-BEAM Jauary 2010 www.willis.com RISK TRANSFER FOR DESIGN-BUILD TEAMS Desig-builD work is icreasig each quarter. cosequetly, we are fieldig more iquiries from cliets regardig

More information

Health and dental coverage that begins when your group health benefits end

Health and dental coverage that begins when your group health benefits end Health ad detal coverage that begis whe your group health beefits ed Uderwritte by The Maufacturers Life Isurace Compay Page 1 of 5 FollowMeTM Health ca be your solutio. Life is full of chages. Some are

More information

Wells Fargo Insurance Services Claim Consulting Capabilities

Wells Fargo Insurance Services Claim Consulting Capabilities Wells Fargo Isurace Services Claim Cosultig Capabilities Claim Cosultig Claims are a uwelcome part of America busiess. I a recet survey coducted by Fulbright & Jaworski L.L.P., large U.S. compaies face

More information

Best of security and convenience

Best of security and convenience Get More with Additioal Cardholders. Importat iformatio. Add a co-applicat or authorized user to your accout ad you ca take advatage of the followig beefits: RBC Royal Bak Visa Customer Service Cosolidate

More information

For customers Key features of the Guaranteed Pension Annuity

For customers Key features of the Guaranteed Pension Annuity For customers Key features of the Guarateed Pesio Auity The Fiacial Coduct Authority is a fiacial services regulator. It requires us, Aego, to give you this importat iformatio to help you to decide whether

More information

FOCUS 2015 PATHWAYS EXTRAORDINARY EXPERIENCES COMMUNITY CONNECTIONS OPERATIONAL EXCELLENCE STRATEGIC PLAN. INSPIRE n TRANSFORM n CONNECT

FOCUS 2015 PATHWAYS EXTRAORDINARY EXPERIENCES COMMUNITY CONNECTIONS OPERATIONAL EXCELLENCE STRATEGIC PLAN. INSPIRE n TRANSFORM n CONNECT INSPIRE TRANSFORM CONNECT FOCUS 2015 STRATEGIC PLAN PATHWAYS EXTRAORDINARY EXPERIENCES COMMUNITY CONNECTIONS OPERATIONAL EXCELLENCE FOCUS 2015 is our refreshed strategic pla that builds o ad stregthes

More information

summary of cover CONTRACT WORKS INSURANCE

summary of cover CONTRACT WORKS INSURANCE 1 SUMMARY OF COVER CONTRACT WORKS summary of cover CONTRACT WORKS INSURANCE This documet details the cover we ca provide for our commercial or church policyholders whe udertakig buildig or reovatio works.

More information

GOOD PRACTICE CHECKLIST FOR INTERPRETERS WORKING WITH DOMESTIC VIOLENCE SITUATIONS

GOOD PRACTICE CHECKLIST FOR INTERPRETERS WORKING WITH DOMESTIC VIOLENCE SITUATIONS GOOD PRACTICE CHECKLIST FOR INTERPRETERS WORKING WITH DOMESTIC VIOLENCE SITUATIONS I the sprig of 2008, Stadig Together agaist Domestic Violece carried out a piece of collaborative work o domestic violece

More information

France caters to innovative companies and offers the best research tax credit in Europe

France caters to innovative companies and offers the best research tax credit in Europe 1/5 The Frech Govermet has three objectives : > improve Frace s fiscal competitiveess > cosolidate R&D activities > make Frace a attractive coutry for iovatio Tax icetives have become a key elemet of public

More information

Amendments to employer debt Regulations

Amendments to employer debt Regulations March 2008 Pesios Legal Alert Amedmets to employer debt Regulatios The Govermet has at last issued Regulatios which will amed the law as to employer debts uder s75 Pesios Act 1995. The amedig Regulatios

More information

Roles of Pharmacists IN MANAGED HEALTH CARE ORGANIZATIONS. Drug Distribution and Dispensing. Patient Safety

Roles of Pharmacists IN MANAGED HEALTH CARE ORGANIZATIONS. Drug Distribution and Dispensing. Patient Safety Roles of Pharmacists IN MANAGED HEALTH CARE ORGANIZATIONS Drug Distributio ad Dispesig Patiet Safety Cliical Program Developmet Commuicatio with Patiets, Prescribers ad Pharmacists Drug Beefit Desig Busiess

More information

Tell us if you need help because of a disability Ask for a free interpreter

Tell us if you need help because of a disability Ask for a free interpreter Your rights uder Califoria Welfare Programs for people applyig for or receivig public aid i Califoria Tell us if you eed help because of a disability Ask for a free iterpreter 2 Your rights all people

More information

Get advice now. Are you worried about your mortgage? New edition

Get advice now. Are you worried about your mortgage? New edition New editio Jauary 2009 Are you worried about your mortgage? Get advice ow If you are strugglig to pay your mortgage, or you thik it will be difficult to pay more whe your fixed-rate deal eds, act ow to

More information

Grow your business with savings and debt management solutions

Grow your business with savings and debt management solutions Grow your busiess with savigs ad debt maagemet solutios A few great reasos to provide bak ad trust products to your cliets You have the expertise to help your cliets get the best rates ad most competitive

More information

Handling. Collection Calls

Handling. Collection Calls Hadlig the Collectio Calls We do everythig we ca to stop collectio calls; however, i the early part of our represetatio, you ca expect some of these calls to cotiue. We uderstad that the first few moths

More information

PENSION ANNUITY. Policy Conditions Document reference: PPAS1(7) This is an important document. Please keep it in a safe place.

PENSION ANNUITY. Policy Conditions Document reference: PPAS1(7) This is an important document. Please keep it in a safe place. PENSION ANNUITY Policy Coditios Documet referece: PPAS1(7) This is a importat documet. Please keep it i a safe place. Pesio Auity Policy Coditios Welcome to LV=, ad thak you for choosig our Pesio Auity.

More information

Savings and Retirement Benefits

Savings and Retirement Benefits 60 Baltimore Couty Public Schools offers you several ways to begi savig moey through payroll deductios. Defied Beefit Pesio Pla Tax Sheltered Auities ad Custodial Accouts Defied Beefit Pesio Pla Did you

More information

FACTSHEET 1: DEVELOPING A STRATEGIC MANAGEMENT PLAN

FACTSHEET 1: DEVELOPING A STRATEGIC MANAGEMENT PLAN FACTSHEET 1: DEVELOPING A STRATEGIC MANAGEMENT PLAN THIS FACTSHEET RELATES TO QUESTION 2.3 OF THE MSPI (MUSEUM STANDARDS PROGRAMME FOR IRELAND) 1. Itroductio Writig a Strategic Maagemet Pla ca provide

More information

BUSINESS GROWTH PLAN EVENT 2016

BUSINESS GROWTH PLAN EVENT 2016 BUSINESS GROWTH PLAN EVENT 2016 The Busiess Growth Pla ivolves the idea geeratio ad strategy developmet eeded to grow a existig busiess. Participats i the Busiess Growth Pla will aalyze their curret busiess

More information

CCH Accountants Starter Pack

CCH Accountants Starter Pack CCH Accoutats Starter Pack We may be a bit smaller, but fudametally we re o differet to ay other accoutig practice. Util ow, smaller firms have faced a stark choice: Buy cheaply, kowig that the practice

More information

Deceased organ donation

Deceased organ donation Deceased orga doatio Let's talk about it Table of Cotets Itroductio Why orga doatio is so importat Facig the facts Kidey trasplats are highly successful What exactly is deceased doatio? What orgas ca be

More information

2014 Menu of Agency Support Services 10 TOP OF MIND TOUCH POINTS

2014 Menu of Agency Support Services 10 TOP OF MIND TOUCH POINTS 2014 Meu of Agecy Support Services 10 TOP OF MIND TOUCH POINTS Table of Cotets Turig a moolie customer ito a multi-lie customer icreases retetio by 7x! ORGANIC GROWTH Policy Reewal Appoitmet Calls.4 Life

More information

Ken blanchard college of business

Ken blanchard college of business Ke blachard College of BUSINESS a history of excellece Established i 1949, Grad Cayo Uiversity has more tha a 60-year track record of helpig studets achieve their academic goals. The Ke Blachard College

More information

Agenda. Outsourcing and Globalization in Software Development. Outsourcing. Outsourcing here to stay. Outsourcing Alternatives

Agenda. Outsourcing and Globalization in Software Development. Outsourcing. Outsourcing here to stay. Outsourcing Alternatives Outsourcig ad Globalizatio i Software Developmet Jacques Crocker UW CSE Alumi 2003 jc@cs.washigto.edu Ageda Itroductio The Outsourcig Pheomeo Leadig Offshore Projects Maagig Customers Offshore Developmet

More information

DC College Savings Plan Helping Children Reach a Higher Potential

DC College Savings Plan Helping Children Reach a Higher Potential 529 DC College Savigs Pla Helpig Childre Reach a Higher Potetial reach Sposored by Govermet of the District of Columbia Office of the Mayor Office of the Chief Fiacial Officer Office of Fiace ad Treasury

More information

FLEXIBLE GUARANTEE BOND SERIES 2

FLEXIBLE GUARANTEE BOND SERIES 2 FLEXIBLE GUARANTEE BOND SERIES 2 Key features of the Flexible Guaratee Bod Series 2 The Fiacial Coduct Authority is a fiacial services regulator. It requires us, LV=, to give you this importat iformatio

More information

AGC s SUPERVISORY TRAINING PROGRAM

AGC s SUPERVISORY TRAINING PROGRAM AGC s SUPERVISORY TRAINING PROGRAM Learig Today...Leadig Tomorrow The Kowledge ad Skills Every Costructio Supervisor Must Have to be Effective The Associated Geeral Cotractors of America s Supervisory

More information

TIAA-CREF Wealth Management. Personalized, objective financial advice for every stage of life

TIAA-CREF Wealth Management. Personalized, objective financial advice for every stage of life TIAA-CREF Wealth Maagemet Persoalized, objective fiacial advice for every stage of life A persoalized team approach for a trusted lifelog relatioship No matter who you are, you ca t be a expert i all aspects

More information

Life Insurance: Your Blueprint for Wealth Transfer Planning. Producer Guide to Private Split Dollar Arrangements. Your future. Made easier.

Life Insurance: Your Blueprint for Wealth Transfer Planning. Producer Guide to Private Split Dollar Arrangements. Your future. Made easier. Life Isurace: Your Blueprit for Wealth Trasfer Plaig Producer Guide to Private Split Dollar Arragemets These materials are ot iteded to be used to avoid tax pealties ad were prepared to support the promotio

More information

For customers Income protection the facts

For customers Income protection the facts For customers Icome protectio the facts We ve desiged this documet to give you more iformatio about our icome protectio beefits. It does t form part of ay cotract betwee you ad/or us. This iformatio refers

More information

SECTION 1.5 : SUMMATION NOTATION + WORK WITH SEQUENCES

SECTION 1.5 : SUMMATION NOTATION + WORK WITH SEQUENCES SECTION 1.5 : SUMMATION NOTATION + WORK WITH SEQUENCES Read Sectio 1.5 (pages 5 9) Overview I Sectio 1.5 we lear to work with summatio otatio ad formulas. We will also itroduce a brief overview of sequeces,

More information

2014 Menu of Agency Support Services 17 TOP OF MIND TOUCH POINTS

2014 Menu of Agency Support Services 17 TOP OF MIND TOUCH POINTS 2014 Meu of Agecy Support Services 17 TOP OF MIND TOUCH POINTS Table of Cotets Turig a moolie customer ito a multi-lie customer icreases retetio by 7x! ORGANIC GROWTH Policy Reewal Appoitmet Calls.4 Life

More information

Pre-Suit Collection Strategies

Pre-Suit Collection Strategies Pre-Suit Collectio Strategies Writte by Charles PT Phoeix How to Decide Whether to Pursue Collectio Calculatig the Value of Collectio As with ay busiess litigatio, all factors associated with the process

More information

HSAs the American Fidelity Way:

HSAs the American Fidelity Way: Health Ser vices Admiistratio, LLC HSAs the America Fidelity Way: Kowledge, Experiece, Commitmet With over 30 years experiece i providig pre-tax services, America Fidelity is a pioeer i Sectio 125 flexible

More information

CREATIVE MARKETING PROJECT 2016

CREATIVE MARKETING PROJECT 2016 CREATIVE MARKETING PROJECT 2016 The Creative Marketig Project is a chapter project that develops i chapter members a aalytical ad creative approach to the marketig process, actively egages chapter members

More information

New job at the Japanese company, would like to know about the health insurance. What's the process to apply for the insurance?

New job at the Japanese company, would like to know about the health insurance. What's the process to apply for the insurance? Cabiet ねん かせんぶ ねん しゅが かせんぶ じてん しゅうせい 8-4-2 (2008 年 下 線 部 &2009 年 朱 書 き 下 線 部 時 点 修 正 ) Level 3 Chapter Illess Sectio Public health isurace Cotets Health isurace 1 Possible questio ad backgroud. New job

More information

e-trader user guide Introduction

e-trader user guide Introduction User guide e-trader user guide Itroductio At UK Geeral our aim is to provide you with the best possible propositio for you ad your customers. We believe i offerig brokers a choice of how they trade with

More information

WHERE CHANGE IS POSSIBLE

WHERE CHANGE IS POSSIBLE WHERE CHANGE IS POSSIBLE gree workspaces AT TIDES, WE HAVE BEEN WORKING WITH PEOPLE LIKE YOU FOR MORE THAN 30 YEARS TO MAKE THE WORLD A BETTER PLACE. Our missio is to parter with philathropists, foudatios,

More information

Commercial Real Estate Women Network

Commercial Real Estate Women Network Commercial Real Estate Wome Network About CREW Network Fouded i 1989, CREW Network is the idustry s premier busiess etworkig orgaizatio dedicated to ifluecig the success of the commercial real estate idustry

More information

College of Nursing and Health care Professions

College of Nursing and Health care Professions College of Nursig ad Health care Professios a history of excellece Grad Cayo Uiversity s College of Nursig ad Health Care Professios has bee providig a outstadig health care educatio for over 25 years.

More information

ODBC. Getting Started With Sage Timberline Office ODBC

ODBC. Getting Started With Sage Timberline Office ODBC ODBC Gettig Started With Sage Timberlie Office ODBC NOTICE This documet ad the Sage Timberlie Office software may be used oly i accordace with the accompayig Sage Timberlie Office Ed User Licese Agreemet.

More information

National Institute on Aging. What Is A Nursing Home?

National Institute on Aging. What Is A Nursing Home? Natioal Istitute o Agig AgePage Nursig Homes: Makig The Right Choice Lucille has lived i her home for 33 years. Eve after her husbad died 3 years ago, she was able to maage o her ow. Recetly, she broke

More information

The Canadian Council of Professional Engineers

The Canadian Council of Professional Engineers The Caadia Coucil of Professioal Egieers Providig leadership which advaces the quality of life through the creative, resposible ad progressive applicatio of egieerig priciples i a global cotext Egieerig

More information

Life & Disability Insurance. For COSE Employer Groups with 10+ Employees

Life & Disability Insurance. For COSE Employer Groups with 10+ Employees Life & Disability Isurace For COSE Employer Groups with 10+ Employees Life ad Disability Isurace Offerig a great beefit like life ad disability isurace is a excellet way to help attract ad retai taleted

More information

Engineering Data Management

Engineering Data Management BaaERP 5.0c Maufacturig Egieerig Data Maagemet Module Procedure UP128A US Documetiformatio Documet Documet code : UP128A US Documet group : User Documetatio Documet title : Egieerig Data Maagemet Applicatio/Package

More information

MainStay Funds IRA/SEP/Roth IRA Distribution Form

MainStay Funds IRA/SEP/Roth IRA Distribution Form MaiStay Fuds IRA/SEP/Roth IRA Distributio Form Do ot use for IRA Trasfers or SIMPLE IRA INSTRUCTIONS Before completig this form, please refer to the applicable Custodial Agreemet ad Disclosure Statemet

More information

client communication

client communication CCH Portal cliet commuicatio facig today s challeges Like most accoutacy practices, we ow use email for most cliet commuicatio. It s quick ad easy, but we do worry about the security of sesitive data.

More information

Two people, one policy. Affordable long-term care coverage for both.

Two people, one policy. Affordable long-term care coverage for both. Log-term care rider, available o Natiowide YourLife No-Lapse Guaratee SUL II Feature guide LIFE INSURANCE + LONG-ERM CARE wo people, oe policy. Affordable log-term care coverage for both. NAIONWIDE LIFE

More information

Ideate, Inc. Training Solutions to Give you the Leading Edge

Ideate, Inc. Training Solutions to Give you the Leading Edge Ideate, Ic. Traiig News 2014v1 Ideate, Ic. Traiig Solutios to Give you the Leadig Edge New Packages For All Your Traiig Needs! Bill Johso Seior MEP - Applicatio Specialist Revit MEP Fudametals Ad More!

More information

CHAPTER 3 THE TIME VALUE OF MONEY

CHAPTER 3 THE TIME VALUE OF MONEY CHAPTER 3 THE TIME VALUE OF MONEY OVERVIEW A dollar i the had today is worth more tha a dollar to be received i the future because, if you had it ow, you could ivest that dollar ad ear iterest. Of all

More information

Information about Bankruptcy

Information about Bankruptcy Iformatio about Bakruptcy Isolvecy Service of Irelad Seirbhís Dócmhaieachta a héirea Isolvecy Service of Irelad Seirbhís Dócmhaieachta a héirea What is the? The Isolvecy Service of Irelad () is a idepedet

More information

PRICE BAILEY CHARITIES & NOT FOR PROFIT THE RIGHT ADVICE FOR LIFE

PRICE BAILEY CHARITIES & NOT FOR PROFIT THE RIGHT ADVICE FOR LIFE PRICE BAILEY CHARITIES & NOT FOR PROFIT THE RIGHT ADVICE FOR LIFE OUR EXPERTISE To arrage a meetig with a member of for more iformatio about Price Bailey, At Price Bailey, we recogise that charity ad ot-for-profit

More information

PUBLIC RELATIONS PROJECT 2016

PUBLIC RELATIONS PROJECT 2016 PUBLIC RELATIONS PROJECT 2016 The purpose of the Public Relatios Project is to provide a opportuity for the chapter members to demostrate the kowledge ad skills eeded i plaig, orgaizig, implemetig ad evaluatig

More information

School of Sport, Exercise and Health Sciences

School of Sport, Exercise and Health Sciences School of Sport, Exercise ad Health Scieces 3 lie title bad height 49.5mm Employers Guide to Placemets Departmet title xxxxx Secodary title xxxxx 2 lie title bad height 37mm www.lboro.ac.uk School of Sport,

More information

SOLUTIONS FOR SUCCESSFUL EVENTS

SOLUTIONS FOR SUCCESSFUL EVENTS Video Projectio [ THERE S MORE TO KNOW THAN YOU THINK ] More tha ever before, we live i a visual world. A picture is worth a thousad words sums it up well. Every day, a multitude of images siletly scream

More information

Agency Relationship Optimizer

Agency Relationship Optimizer Decideware Developmet Agecy Relatioship Optimizer The Leadig Software Solutio for Cliet-Agecy Relatioship Maagemet supplier performace experts scorecards.deploymet.service decide ware Sa Fracisco Sydey

More information

Insure the financial future of your loved ones, and your financial independence, when you need it the most! LIFE INSURANCE WITH LONG-TERM CARE ADVANCE

Insure the financial future of your loved ones, and your financial independence, when you need it the most! LIFE INSURANCE WITH LONG-TERM CARE ADVANCE LIFE INSURANCE WITH LONG-TERM CARE ADVANCE Isure the fiacial future of your loved oes, ad your fiacial idepedece, whe you eed it the most! Desjardis Isurace refers to Desjardis Fiacial Security Life Assurace

More information

Art & Private Client insurance policy SUMMARY OF COVER

Art & Private Client insurance policy SUMMARY OF COVER Art & Private Cliet isurace policy SUMMARY OF COVER 2 SUMMARY OF COVER DIOCESAN SCHOOLS LEGAL EXPENSES INSURANCE ART AND PRIVATE CLIENT POLICY SUMMARY SUMMARY OF COVER 3 Policy ref: ME773 1 07/16 What

More information

Current Year Income Assessment Form

Current Year Income Assessment Form Curret Year Icome Assessmet Form Academic Year 2015/16 Persoal details Perso 1 Your Customer Referece Number Your Customer Referece Number Name Name Date of birth Address / / Date of birth / / Address

More information

FIRE PROTECTION SYSTEM INSPECTION, TESTING AND MAINTENANCE PROGRAMS

FIRE PROTECTION SYSTEM INSPECTION, TESTING AND MAINTENANCE PROGRAMS STRATEGIC OUTCOMES PRACTICE TECHNICAL ADVISORY BULLETIN February 2011 FIRE PROTECTION SYSTEM INSPECTION, TESTING AND MAINTENANCE PROGRAMS www.willis.com Natioal Fire Protectio Associatio (NFPA) #25 a mai

More information

Introducing Your New Wells Fargo Trust and Investment Statement. Your Account Information Simply Stated.

Introducing Your New Wells Fargo Trust and Investment Statement. Your Account Information Simply Stated. Itroducig Your New Wells Fargo Trust ad Ivestmet Statemet. Your Accout Iformatio Simply Stated. We are pleased to itroduce your ew easy-to-read statemet. It provides a overview of your accout ad a complete

More information

PERSONAL INJURY. What you need to know about your legal rights INFORMATION KIT. Personal Injury Litigators since 1936. www.thomsonrogers.

PERSONAL INJURY. What you need to know about your legal rights INFORMATION KIT. Personal Injury Litigators since 1936. www.thomsonrogers. PERSONAL INJURY INFORMATION KIT Effective: September 1, 2010 What you eed to kow about your legal rights Persoal Ijury Litigators sice 1936. www.thomsorogers.com CONTENTS What you eed to kow........................3

More information

leasing Solutions We make your Business our Business

leasing Solutions We make your Business our Business if you d like to discover how Bp paribas leasig Solutios Ca help you to achieve your goals please get i touch leasig Solutios We make your Busiess our Busiess We look forward to hearig from you you ca

More information

How to use what you OWN to reduce what you OWE

How to use what you OWN to reduce what you OWE How to use what you OWN to reduce what you OWE Maulife Oe A Overview Most Caadias maage their fiaces by doig two thigs: 1. Depositig their icome ad other short-term assets ito chequig ad savigs accouts.

More information

INCOME PROTECTION POLICY CONDITIONS GUARANTEED PREMIUMS

INCOME PROTECTION POLICY CONDITIONS GUARANTEED PREMIUMS INCOME PROTECTION POLICY CONDITIONS GUARANTEED PREMIUMS Documet referece: MIMIIP12G This is a imptat documet Please keep it i a safe place. Icome Protectio Guarateed Premiums Policy Coditios Welcome to

More information

Florida Governor Rick Scott Signs Senate Bill 408 Into Law

Florida Governor Rick Scott Signs Senate Bill 408 Into Law JUNE 2011 Florida Goveror Rick Scott Sigs Seate Bill 408 Ito Law Florida Goveror Rick Scott siged Seate Bill 408 (SB408) ito law o May 17, 2011. The legislative itet of SB408 is to reform the ustable property

More information

About our services and costs

About our services and costs About our services ad costs Cotets Whose products do we offer 2 Ivestmet 2 Isurace 2 Mortgages 2 Which services will we provide you with? 3 Ivestmet 3 Isurace 3 Mortgages 3 What will you have to pay us

More information

Motor legal expenses. Keep me safe

Motor legal expenses. Keep me safe Motor legal expeses Keep me safe Motor legal expeses This legal expeses isurace is part of your LV= motor isurace policy ad your isurace schedule will cofirm if this cover is icluded. You must read your

More information

Making training work for your business

Making training work for your business Makig traiig work for your busiess Itegratig core skills of laguage, literacy ad umeracy ito geeral workplace traiig makes sese. The iformatio i this pamphlet will help you pla for ad build a successful

More information

Prescribing costs in primary care

Prescribing costs in primary care Prescribig costs i primary care LONDON: The Statioery Office 13.50 Ordered by the House of Commos to be prited o 14 May 2007 REPORT BY THE COMPTROLLER AND AUDITOR GENERAL HC 454 Sessio 2006-2007 18 May

More information

One Goal. 18-Months. Unlimited Opportunities.

One Goal. 18-Months. Unlimited Opportunities. 18 fast-track 18-Moth BACHELOR S DEGREE completio PROGRAMS Oe Goal. 18-Moths. Ulimited Opportuities. www.ortheaster.edu/cps Fast-Track Your Bachelor s Degree ad Career Goals Complete your bachelor s degree

More information

INDEPENDENT BUSINESS PLAN EVENT 2016

INDEPENDENT BUSINESS PLAN EVENT 2016 INDEPENDENT BUSINESS PLAN EVENT 2016 The Idepedet Busiess Pla Evet ivolves the developmet of a comprehesive proposal to start a ew busiess. Ay type of busiess may be used. The Idepedet Busiess Pla Evet

More information

Enhance Your Financial Legacy Variable Annuity Death Benefits from Pacific Life

Enhance Your Financial Legacy Variable Annuity Death Benefits from Pacific Life Ehace Your Fiacial Legacy Variable Auity Death Beefits from Pacific Life 7/15 20172-15B As You Pla for Retiremet, Protect Your Loved Oes A Pacific Life variable auity ca offer three death beefits that

More information

INVESTING IN SOCIAL CHANGE TOOLS FOR SOCIAL INNOVATION

INVESTING IN SOCIAL CHANGE TOOLS FOR SOCIAL INNOVATION INVESTING IN SOCIAL CHANGE TOOLS FOR SOCIAL INNOVATION At Tides, we have bee workig for more tha 30 years with people like you to make the world a better place. Our missio is to parter with activists,

More information

Advancement FORUM. www.acmaweb.org/advancement CULTIVATING LEADERS IN CASE MANAGEMENT

Advancement FORUM. www.acmaweb.org/advancement CULTIVATING LEADERS IN CASE MANAGEMENT H E A L T H C A R E D E L I V E R Y S Y S T E M C A S E M A N A G E M E N T E D U C A T I O N Advacemet FORUM CULTIVATING LEADERS IN CASE MANAGEMENT DATES AND LOCATIONS LOS ANGELES, CA DECEMBER 11 DALLAS,

More information

Present Value Factor To bring one dollar in the future back to present, one uses the Present Value Factor (PVF): Concept 9: Present Value

Present Value Factor To bring one dollar in the future back to present, one uses the Present Value Factor (PVF): Concept 9: Present Value Cocept 9: Preset Value Is the value of a dollar received today the same as received a year from today? A dollar today is worth more tha a dollar tomorrow because of iflatio, opportuity cost, ad risk Brigig

More information

Information Handbook

Information Handbook Iformatio Hadbook This hadbook has bee desiged to aswer questios you may have about the admiistratio of your Health ad Detal Pla. Sectios are icluded o how to make a claim, whe to otify us of chages (such

More information

Computershare Investment Plan. Best Buy Co., Inc. Common Stock

Computershare Investment Plan. Best Buy Co., Inc. Common Stock Computershare Ivestmet Pla A Direct Stock Purchase ad Divided Reivestmet Pla for Best Buy Co., Ic. Commo Stock Best Buy Co., Ic. is listed o the New York Stock Exchage (Tradig Symbol BBY, CUSIP 086516101)

More information

Disability Income Insurance

Disability Income Insurance Disability Icome Isurace Admiistered by The Parters Group ad Member Compay Kerr Cruickshak Member Compay: Negotiated Limited Time Offer INDIVIDUAL DISABILITY COVERAGE PROGRAM HIGHLIGHTS: Discouted, Specialty,

More information

Enhance Your Financial Legacy Variable Annuities with Death Benefits from Pacific Life

Enhance Your Financial Legacy Variable Annuities with Death Benefits from Pacific Life Ehace Your Fiacial Legacy Variable Auities with Death Beefits from Pacific Life 9/15 20188-15C FOR CALIFORNIA As You Pla for Retiremet, Protect Your Loved Oes A Pacific Life variable auity ca offer three

More information

STAFFING THE UNIVERSITY LIBRARY FOR THE NEXT MILLENNIUM:

STAFFING THE UNIVERSITY LIBRARY FOR THE NEXT MILLENNIUM: STAFFING THE UNIVERSITY LIBRARY FOR THE NEXT MILLENNIUM: DIVERSITY,TEAM-BUILDING, AND CONFLICT RESOLUTION ISSUES TONI OLSHEN YORK UNIVERSITY CANADIAN LIBRARY ASSOCIATION TORONTO JUNE 19, 1999 TRAITS FOR

More information

NASUWT. Briefing for teachers on the special educational needs and disability (SEND) reforms. The Teachers Union. Teachers

NASUWT. Briefing for teachers on the special educational needs and disability (SEND) reforms. The Teachers Union. Teachers The Teachers Uio Briefig for teachers o the special educatioal eeds ad disability (SEND) reforms Teachers Itroductio Special educatioal eeds ad disability (SEND) reforms were itroduced i 2014. I order

More information

THE UNIVERSITY OF CHICAGO 457(b) DEFERRED COMPENSATION PLAN

THE UNIVERSITY OF CHICAGO 457(b) DEFERRED COMPENSATION PLAN THE UNIVERSITY OF CHICAGO 457(b) DEFERRED COMPENSATION PLAN ENROLLMENT GUIDE 2016 2 Overview 3 How to Eroll 5 Your Cotributios 5 Ivestmets 6 Receivig Your Beefits 7 Additioal Iformatio Overview The Uiversity

More information

For customers Whole of Life. Policy conditions. Pays a lump sum on death or diagnosis of a defined terminal illness.

For customers Whole of Life. Policy conditions. Pays a lump sum on death or diagnosis of a defined terminal illness. For customers Whole of Life Policy coditios Pays a lump sum o death or diagosis of a defied termial illess. Cotets Welcome to Aego 03 What we mea by you 03 Your cotract 03 Plai Eglish 03 Cotact us 03 1

More information

Solutions Library. AMGA/AVATAR CAHPS for PQRS Survey Program. Leslie Babecki, CAHPS Manager, Avatar Solutions

Solutions Library. AMGA/AVATAR CAHPS for PQRS Survey Program. Leslie Babecki, CAHPS Manager, Avatar Solutions Solutios Library AMGA/AVATAR CAHPS for PQRS Survey Program Leslie Babecki, CAHPS Maager, Avatar Solutios Webiar, August 28, 2015 Sice the Agecy for Healthcare Research ad Quality lauched the CAHPS iitiative

More information

Your summary of cover. Saga Motor Insurance

Your summary of cover. Saga Motor Insurance Your summary of cover Saga Motor Isurace Your itroductio to Saga Motor Isurace Cotets Your itroductio to Saga Motor Isurace 3 A quick guide to the cover we iclude 4-5 A few key thigs we do t cover 6 Additioal

More information

How To Find FINANCING For Your Business

How To Find FINANCING For Your Business How To Fid FINANCING For Your Busiess Oe of the most difficult tasks faced by the maagemet team of small busiesses today is fidig adequate fiacig for curret operatios i order to support ew ad ogoig cotracts.

More information

Information for Adult Students

Information for Adult Students Admissios Office................ Couselig Office............... Admissios Office................ Admissios Office................ Coordiator of Disabilities........ Olie Educatio Office.......... Eglish

More information

ELearning courses Competition / Antitrust

ELearning courses Competition / Antitrust ELearig courses Competitio / Atitrust Clifford Chace ad Thomso Reuters elearig Regulators are takig a icreasigly tough stace o competitio / atitrust compliace. Failure to comply with the relevat legislatio

More information

Valuing Firms in Distress

Valuing Firms in Distress Valuig Firms i Distress Aswath Damodara http://www.damodara.com Aswath Damodara 1 The Goig Cocer Assumptio Traditioal valuatio techiques are built o the assumptio of a goig cocer, I.e., a firm that has

More information

Flexible Trust. (Settlor as trustee with optional survivorship clause) Your questions answered. What is a trust? What is a Flexible Trust?

Flexible Trust. (Settlor as trustee with optional survivorship clause) Your questions answered. What is a trust? What is a Flexible Trust? Flexible Trust (Settl as trustee with optioal survivship clause) Your questios aswered Uderstadig trusts ad their implicatios ca be pretty complicated. You should always get advice from your legal adviser

More information

Setting Up a Contract Action Network

Setting Up a Contract Action Network CONTRACT ACTION NETWORK Settig Up a Cotract Actio Network This is a guide for local uio reps who wat to set up a iteral actio etwork i their worksites. This etwork cosists of: The local uio represetative,

More information

6. p o s I T I v e r e I n f o r c e M e n T

6. p o s I T I v e r e I n f o r c e M e n T 6. p o s I T I v e r e I f o r c e M e T The way positive reiforcemet is carried out is more importat tha the amout. B.F. Skier We all eed positive reiforcemet. Whether or ot we are cosciously aware of

More information

5.4 Amortization. Question 1: How do you find the present value of an annuity? Question 2: How is a loan amortized?

5.4 Amortization. Question 1: How do you find the present value of an annuity? Question 2: How is a loan amortized? 5.4 Amortizatio Questio 1: How do you fid the preset value of a auity? Questio 2: How is a loa amortized? Questio 3: How do you make a amortizatio table? Oe of the most commo fiacial istrumets a perso

More information

A Guide to the Pricing Conventions of SFE Interest Rate Products

A Guide to the Pricing Conventions of SFE Interest Rate Products A Guide to the Pricig Covetios of SFE Iterest Rate Products SFE 30 Day Iterbak Cash Rate Futures Physical 90 Day Bak Bills SFE 90 Day Bak Bill Futures SFE 90 Day Bak Bill Futures Tick Value Calculatios

More information

Living organ donation

Living organ donation Livig orga doatio Let's lear more Table of Cotets Itroductio Why orga doatio is so importat Facig the facts Kidey trasplats are highly successful What exactly is livig kidey doatio? Who ca doate a kidey?

More information

Policy on Reporting Substantive Change to the Southern Association of Colleges and Schools Commission on Colleges (SACSCOC)

Policy on Reporting Substantive Change to the Southern Association of Colleges and Schools Commission on Colleges (SACSCOC) Admiistrative egulatio 1:5 esposible Office: Seior Vice Provost for Academic Plaig, Aaltics, ad Techolog; ad Office of Istitutioal Effectiveess Date Effective: 9/9/2013 Supersedes Versio: 6/4/2012 Polic

More information

Flood Emergency Response Plan

Flood Emergency Response Plan Flood Emergecy Respose Pla This reprit is made available for iformatioal purposes oly i support of the isurace relatioship betwee FM Global ad its cliets. This iformatio does ot chage or supplemet policy

More information