OUT-OF-STATE PETITIONER ALCOHOL/DRUG EVALUATION UNIFORM REPORT

Size: px
Start display at page:

Download "OUT-OF-STATE PETITIONER ALCOHOL/DRUG EVALUATION UNIFORM REPORT"

Transcription

1 OUT-OF-STATE PETITIONER ALCOHOL/DRUG EVALUATION UNIFORM REPORT Office of the Secretary of State DEPARTMENT OF ADMINISTRATIVE HEARINGS Additioal forms may be obtaied at INSTRUCTIONS: Ay DUI offeder makig a out-of-state petitio for restoratio of his/her drivig privileges i Illiois must submit a Alcohol/Drug Evaluatio as part of that process. The evaluatio must be completed by a professioal service provider qualified to evaluate the ature ad extet of the petitioer s past ad curret use of alcohol or other drugs. The idividual or agecy coductig the evaluatio must have the expertise ad be properly licesed ad/or authorized i that state to evaluate ad/or treat alcohol/drug-related problems. It is the resposibility of the petitioer to locate a service provider i the state he/she resides. A service provider may be foud by cosultig the yellow pages i the area telephoe directory or the classified ad sectio of a local ewspaper. May states operate their ow evaluatio/itervetio programs for DUI offeders; therefore, a service provider may be foud by cotactig a state s driver s licesig agecy. NOTE: This form may be used oly by a out-of-state program to coduct a evaluatio. If you choose to retur to Illiois to obtai the required evaluatio, a Illiois-licesed program must use the form provided by the Illiois Departmet of Huma Services, Divisio of Alcoholism ad Substace Abuse. All items o this form must be completed. The iformatio should be typed as illegible documets will delay the applicatio process or result i the deial of the petitioer s applicatio. NOTE: The out-of state service provider may choose to complete his/her ow Alcohol/Drug Evaluatio Form as log as it icludes the iformatio requested i this documet, provided the requested iformatio icreases the petitioer s chaces of beig reistated. PERSONAL: This Alcohol/Drug Evaluatio form reports the ature ad extet of the use of alcohol or drugs ad the resultig recommedatios for the followig petitioer. Name: (Last, First, Middle) Illiois Driver s Licese Number: Address: (Street/City/State/ZIP) Sex: Date of Birth: Home Telephoe Number: Work Telephoe Number: M F / / ( ) ( ) Begiig Date of Evaluatio: Completio Date of Evaluatio: Prited by authority of the State of Illiois. August DAH 00S-1.3 1

2 All items i the followig sectios must be aswered. If more space is eeded, attach additioal sheets. Whe icludig ay direct-quote statemets, idetify them with quotatio marks. ALCOHOL/DRUG USE HISTORY: 1. Provide a complete ad accurate chroological history of the petitioer s alcohol ad drug use from the oset of use up to ad icludig his/her last alcohol/drug related arrest ad from the last alcohol/drug related arrest through the date of this evaluatio ad/or curret abstiet date. Iclude frequecy, type amout ad duratio of said patters, alog with clear ad complete explaatio for ay variace i said patters. This must iclude frequecy of itoxicatios, ay drug use, ad amouts eeded to become itoxicated. List ay ad all prior attempts at abstiece. Idicate whether mixed driks are sigle shot, doubles or free-poured; beers are 12 ouce, 16 ouce, 24 ouce, 32 ouce or 40 ouce cotaiers; ad glass size i ouces if cosumig wie or mixed driks. Report the petitioer s first itoxicatio ad whether he/she exhibited vivid recall of this evet. Report whe the petitioer first exhibited alcohol/drug-related problems. 2. What additioal symptoms ad/or alcohol/drug-related problems has the petitioer experieced throughout his/her drikig ad other drug use history? a. Missed work... YES NO b. Uder the ifluece of alcohol/drugs durig work... YES NO c. Uder the ifluece of alcohol/drugs before oo... YES NO d. Gulped or seaked driks... YES NO e. Hidde alcohol/drugs i the home from parets or spouse... YES NO f. Experieced memory loss of evets that occurred durig itoxicatio... YES NO g. Passed out... YES NO h. Become sick (headaches, hagovers, upset stomach, vomitig, etc.)... YES NO i. Bee i a fight... YES NO j. Had close frieds or relatives express cocer over drikig/drug use... YES NO k. Set out with thought of havig a social drik but became itoxicated... YES NO l. Lost frieds or had relatioships break up over alcohol/drug use... YES NO m. Felt idigat whe cofroted with possible alcohol/drug problem... YES NO. Felt guilty or ashamed of thigs said or did while drikig/usig drugs... YES NO o. Tried to quit drikig/usig drugs but failed... YES NO p. Experieced extreme persoality chages whe drikig/usig drugs... YES NO q. Noticed icreased tolerace to alcohol or other drugs... YES NO r. Used alcohol to self-medicate chroic pai... YES NO s. Experieced shakes or tremors... YES NO 2

3 3. If usig the DSM IV criteria to determie the petitioer s classificatio, check the symptoms idetified for Alcohol/Drug Abuse: Recurret substace use resultig i failure to fulfill major role obligatios at work, school or home. Recurret substace use i situatios where it is physically hazardous. Recurret substace-related legal problems. Cotiued substace use despite havig persistet or recurret social or iterpersoal problems caused or exacerbated by the effects of the substace. 4. If usig the DSM IV criteria to determie the petitioer s classificatio, check the symptoms idetified for Alcohol/Drug Depedecy: Tolerace Either a eed for markedly icreased amouts of the substace to achieve itoxicatio or the desired effect, or a markedly dimiished effect with cotiued use of the same amout of the substace. Withdrawal As maifested by either the characteristic withdrawal sydrome for the substace, or the same or closelyrelated substace is take to relieve or avoid withdrawal symptoms. The substace is ofte take i larger amouts or over a loger period tha was iteded. There is a persistet desire or usuccessful efforts to cut dow or cotrol substace use (icludig prior periods of abstiece). A great deal of time is spet i activities ecessary to obtai the substace, use the substace or recover from its effects. Importat social, occupatioal or recreatioal activities are give up or reduced because of substace use. The substace use is cotiued despite kowledge of havig a persistet or recurret physical or psychological problem that is likely to have bee caused or exacerbated by the substace. 5. Is there a family history of alcoholism/drug addictio i the petitioer s immediate family? YES NO If yes, idicate the family member s relatioship to the petitioer, frequecy of cotact with the petitioer, ad whether he/she is still usig ay substace. 6. Is there a history of ay alcohol or other drug-related treatmet? YES NO If yes, provide the ames ad locatios of the treatmet programs ad the dates such treatmet occurred. The petitioer must documet his/her most recet treatmet. The petitioer must submit a Treatmet Verificatio Form ad Treatmet Discharge Summary completed by the the treatmet program that provided treatmet. 7. Is there a idicatio of ay curret sigificat physical, emotioal/metal health or psychiatric disorders? YES NO If yes, the petitioer must submit a separate documet from the attedig physicia, psychiatrist or couselor which reports the diagosis, curret status ad a progosis. If metal health treatmet was completed i the last five years, a comprehesive discharge summary must be submitted from the most recet treatmet program that provided the treatmet. The petitioer will be iformed whether a Medical Report Form is required. 3

4 8. Is the petitioer takig ay medicatio (prescriptio or over-the-couter) that whe take aloe or i combiatio with alcohol or other drugs might impair drivig ability? YES NO If yes, idetify the medicatio ad discuss ay potetial impairmet. The petitioer will be iformed whether a Medical Report Form is required. DRIVING HISTORY: 1. How may DUI arrests does the petitioer ackowledge? Report all alcohol/drug-related drivig arrests (DUI, Illegal Trasportatio of Alcohol, Fleeig ad/or Attemptig to Elude a Police Officer, Leavig the Scee of a Property Damage, Persoal Ijury ad/or Fatal Motor Vehicle Crash, Drivig Without a Valid Licese or Permit, Drivig While Suspeded/Revoked, Auto Theft, Reckless Homicide, Reckless Drivig, etc. i ay state). Iclude a descriptio of the offese; date of arrest; state where it occurred; dispositio of the offese; ay breath, blood ad urie test results; ad whether the petitioer is curretly o probatio or parole for ay of the offeses. 2. Discuss i detail the most recet DUI arrest. This should iclude, at a miimum, the followig: a. Time ad day of arrest: b. Reaso stopped: c. Type ad amout of alcohol cosumed over what period of time: d. Petitioer s perceptio of the effect of the alcohol ad/or drugs cosumed: Does the petitioer believe that he/she was uder the ifluece at the time of the arrest? YES NO e. List ay chemical test results, icludig breath, blood (distiguish whether serum-based or whole-blood) ad urie: f. Time of first drik: Time of last drik: Time breath or chemical test give: Total cosumptio metabolism time (from the first drik util test give): g. Does the blood-alcohol cocetratio (BAC) readig correlate with the amout of alcohol cosumed, total cosumptio metabolism time ad the petitioer s body weight at that time? YES NO Explai: h. Type of substace used (other tha alcohol): Amout of substace used: Time period substace was used: Last time substace was used before alcohol/drug-related arrest: 4

5 All other alcohol/drug-related arrests, i ay state, icludig feloies, misdemeaors, petty offeses, ad local ordiaces: 1. How may alcohol- ad/or drug-related crimial arrests, ot previously discussed, does the petitioer ackowledge? Report all such arrests, icludig a descriptio of offese; date of arrest; state where occurred; dispositio of the offese; ad whether the petitioer is curretly o probatio or parole for ay of the offeses. 2. Discuss the last alcohol/drug-related o-dui arrest, icludig the circumstaces before, durig ad after the arrest. CORROBORATION: This sectio must iclude iformatio from the followig sources: A. Iterview with a Sigificat Other May be a family member, fried, employer, paret/guardia, etc. The summary should iclude, but ot be limited to, the followig iformatio: sigificat other s ame, age ad relatioship to the petitioer; how log he/she has kow the petitioer; how ofte he/she sees the petitioer, how log he/she has maitaied his/her preset level of cotact with the petitioer; his/her perceptio of the petitioer s curret alcohol or other drug use patter ad/or abstiece; ad whether he/she ca verify the duratio of the petitioer s curret alcohol or other drug use ad/or abstiece. This iterview requiremet caot be waived ad must be coducted i every alcohol/drug evaluatio completed. B. Objective Test Ay geerally recogized testig istrumet may be utilized if the test s reliability ad validity has bee demostrated by meas of accepted statistical methods ad procedures. Idetify the objective test admiistered ad provide a summary iterpretatio of the results of the test. Discuss how corroborative iformatio from both the iterview ad the objective test either correlates or does ot correlate with the iformatio obtaied from the petitioer. 5

6 CLASSIFICATION: This classificatio is based o the petitioer s alcohol/drug-related drivig arrests, crimial arrests ad symptoms of alcohol/drug abuse/depedecy. (Refer to Classificatio Defiitios o page 10 before completig this sectio.) 1. Idicate the classificatio for this DUI offeder: No-Problematic Use Problematic Use Alcoholism/Chemical Depedecy Active (Usig) Alcoholic/Chemically Depedet Oly I Remissio (Recoverig) Alcoholic/Chemically Depedet Oly NOTE: Oce it has bee determied that a petitioer is depedet o alcohol ad/or other drugs, the petitioer must be classified as Alcoholic/Chemically Depedet, regardless of whether the petitioer s depedecy is active or i remissio whe the evaluatio is coducted. 2. Provide a clear ad complete ratioale for selectig this classificatio, icludig a explaatio if the classificatio appears to coflict with those symptoms or geeral idicators you have idetified ad described i this report. PRIOR DENIAL OF DRIVING RELIEF: Complete items a, b, c, ad d oly if the petitioer has bee deied drivig relief from a previous applicatio. The evaluator/treatmet provider s respose may be completed o agecy letterhead ad attached. a. The petitioer must submit to the evaluator/treatmet provider his/her (a) last Order/Letter of Deial; (b) ad/or Letter of Rejectio of Explaatio from the BAIID Departmet reguardig a BAC violatio icurred while drivig o a RDP or MDDP; (c) ad/or Order/Letter issuig a Restricted Drivig Permit but cotaiig uresolved issues to be addressed prior to reistatemet. The evaluator/treatmet provider must effectively address the sigificat issues raised theri. Was this documetatio submitted? YES NO Petitioer s failure to provide this iformatio may result i the deial of the applicatio for drivig relief. b. Summarize how each sigificat issue was effectively addressed ad/or resolved. 6

7 c. Provide a clear ad complete explaatio of why this additioal iformatio either chages or does ot chage the petitioer s classificatio ad/or alters your cliical impressio. d. Provide a clear ad complete explaatio as to whether this additioal iformatio warrats or does ot warrat additioal treatmet hours. Additioal treatmet hours must be completed ad properly documeted before applyig for reistatemet of drivig privileges. RECOMMENDATIONS: Oe of the followig recommedatios must be made i accordace with the specific classificatio idicated i the previous sectio ad the requiremets for classificatios o page 9. Remedial Alcohol/Drug Educatio (No-Problematic Use) Remedial Alcohol/Drug Educatio caot be waived. The agecy providig the educatioal program must complete all sectios of the Remedial Educatio Verificatio form. Remedial Alcohol/Drug Educatio ad Alcohol/Drug Abuse Treatmet (Problematic Use) Remedial Alcohol/Drug Educatio caot be waived. Uder Illiois regulatios, treatmet recommedatios for this classificatio geerally cosists of a miimum hours of outpatiet treatmet (group or idividual), depedig o the severity of the problem(s) idetified. The Treatmet Verificatio form must be completed ad a Comprehesive Discharge Summary must be submitted. Alcohol/Drug Depedecy Treatmet (Alcoholism/Chemical Depedecy) Uder Illiois regulatios, treatmet recommedatios for this classificatio geerally cosists of either a miimum 75 hours of itesive outpatiet treatmet or completio of a residetial/ipatiet treatmet program. The Treatmet Verificatio form must be completed ad a Comprehesive Discharge Summary must be submitted. Provide a explaatio below of ay additioal recommedatios that have bee made or if the miimum suggested treatmet recommedatios for Problematic Use ad Alcoholism/Chemical Depedecy, as state above, are cosidered iappropriate for this petitioer. If d was completed uder PRIOR DENIAL OF DRIVING RELIEF, o respose is ecessary. 7

8 EVALUATOR VERIFICATION (required): I certify that I have accurately reported the data collected ad required i order to complete the evaluatio. Provider s Name: (type or prit) Provider s Sigature: Date: Provider s Title: Telephoe Number: Program Name: Accreditatio/Licese Number: Address: (Street/City/State/ZIP) This evaluatio must be siged, dated ad o more tha six moths old whe received by the Secretary of State s office. PETITIONER VERIFICATION: Must be verified i the presece of the evaluator/treatmet provider. The iformatio I have provided for this Alcohol/Drug Evaluatio Uiform Report is true ad correct. I have read the iformatio cotaied i this report ad all the recommedatios have bee explaied to me. Petitioer s Name: Date: 8

9 CLASSIFICATION DEFINITIONS No-Problematic Use A geeral idicatio of this classificatio icludes o symptoms of substace abuse or depedece.this would iclude o patters of impairmet i family, marital, social, emotioal, occupatioal or physical fuctioig as a cosequece of alcohol or other drug use. No additioal symptoms such as chage i tolerace, blackouts or loss of cotrol. Geerally, but ot always, someoe who has oly oe DUI arrest. Blood-alcohol cocetratio (BAC) at the time of arrest is less tha.15. Problematic Use A geeral idicatio of this classificatio icludes a patter of substace abuse that has the potetial for creatig serious life problems. More tha oe arrest for DUI, especially if the arrests have occurred withi the past 10 years. A BAC at the time of arrest of.15 or greater. A idividual classified as Problematic Use may be cosidered at risk to develop a substace depedecy. Alcoholism/Chemical Depedecy This classificatio is characterized by past or preset symptoms of substace depedecy, such as a preoccupatio with alcohol or other drugs; impairmet i more tha oe of the followig areas as a direct result of loss of cotrol over cosumptio: family, marital, social, emotioal, occupatioal, physical; periodic or chroic itoxicatio; tedecy to icrease dosage; tedecy toward relapse; psychological depedece (e.g., problems with relatioships or belief that activities caot be doe as well without the substace), sleeplessess, ight sweats ad, i some cases, a physical depedece (e.g., tremors, cravigs, seizures or withdrawal symptoms) o the effects of alcohol ad/or other drugs. Ayoe who has met this defiitio at ay time i his/her life ad is curretly maitaiig abstiece remais i this classificatio ad may be cosidered i remissio. This perso should ot be classified as No-Problematic or Problematic Use. EDUCATION AND TREATMENT REQUIREMENTS FOR CLASSIFICATIONS No-Problematic Use The petitioer must complete alcohol/drug remedial educatio. Remedial Educatio caot be waived. The agecy providig the educatioal program must complete all sectios of the Remedial Educatio Verificatio form. Completio must occur after the petitioer s most recet DUI arrest ad may iclude ay other recommedatios made by the evaluator/treatmet provider. Problematic Use The petitioer must complete alcohol/drug remedial educatio ad treatmet. Remedial Educatio caot be waived. The agecy providig the educatioal program must complete all sectios of the Remedial Educatio Verificatio form. Completio must occur after the petitioer s most recet DUI arrest. Treatmet for this classificatio geerally cosists of a miimum hours of outpatiet treatmet (group or idividual or ay combiatio of group ad idividual couselig), based o the severity of the problems idetified ad resolutio of those problems, ad may iclude ay other recommedatios made by the evaluator/treatmet provider.the Treatmet Verificatio form ad a Comprehesive Discharge Summary must be submitted. Alcoholism/Chemical Depedecy Treatmet for this classificatio geerally cosists of either 75 hours of outpatiet or itesive outpatiet couselig or residetial/ ipatiet treatmet, ad may iclude ay other recommedatios made by the evaluator/treatmet provider. The Treatmet Verificatio form ad a Comprehesive Discharge Summary must be submitted. If treatmet for Problematic Use ad/or Alcoholism/Chemical Depedecy was completed i Illiois, documetatio must also iclude copies of the treatmet pla, discharge summary ad cotiuig care pla. OTHER REQUIRED DOCUMENTATION FOR PETITIONERS CLASSIFIED AS ALCOHOLIC/CHEMICALLY DEPENDENT A. Submit three letters usig the eclosed Documetatio of Self-Help Support/Recovery Program forms to verify that you are ivolved i a self-help support recovery program such as Alcoholics Aoymous or Narcotics Aoymous. If you have a sposor oe of the letters should be writte by your sposor. B. If you are ot ivolved i a support program such as Alcoholics Aoymous or Narcotics Aoymous, you must submit three letters usig the eclosed Documetatio of No-Traditioal Support/Recovery Program forms to verify that you are utilizig a program of that ature. I additio, you must submit a letter writte by you describig the support program ad how it eables you to remai abstiet from alcohol/drugs. You should specifically idetify those idividuals who are part of your support/recovery program ad discuss how they help you remai alcohol ad drug free. NOTE: Regardless of your classificatio, you must comply with all recommedatios made by your evaluator ad/or treatmet provider. 9

ILLINOIS PETITIONER ALCOHOL/DRUG EVALUATION REPORT UPDATE

ILLINOIS PETITIONER ALCOHOL/DRUG EVALUATION REPORT UPDATE ILLINOIS PETITIONER ALCOHOL/DRUG EVALUATION REPORT UPDATE Office of the Secretary of State DEPARTMENT OF ADMINISTRATIVE HEARINGS Additional forms may be obtained at www.cyberdriveillinois.com INSTRUCTIONS:

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

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

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

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

Generali Worldwide Group Health Insurance Health Insurance Application Form

Generali Worldwide Group Health Insurance Health Insurance Application Form Geerali Worldwide Group Health Isurace Health Isurace Applicatio Form Please complete all sectios i BLOCK CAPITALS or tick the boxes, where appropriate. A completed Health Isurace Applicatio is required

More information

Life Insurance Underwriting Guidelines

Life Insurance Underwriting Guidelines Uited of Omaha Life Isurace Compay Compaio Life Isurace Compay Mutual of Omaha Affiliates Life Isurace Uderwritig Guidelies As of: March 2010 Ask your uderwriter about the Fit uderwritig credit program!

More information

I apply to subscribe for a Stocks & Shares NISA for the tax year 2015/2016 and each subsequent year until further notice.

I apply to subscribe for a Stocks & Shares NISA for the tax year 2015/2016 and each subsequent year until further notice. IFSL Brooks Macdoald Fud Stocks & Shares NISA trasfer applicatio form IFSL Brooks Macdoald Fud Stocks & Shares NISA trasfer applicatio form Please complete usig BLOCK CAPITALS ad retur the completed form

More information

I apply to subscribe for a Stocks & Shares ISA for the tax year 20 /20 and each subsequent year until further notice.

I apply to subscribe for a Stocks & Shares ISA for the tax year 20 /20 and each subsequent year until further notice. IFSL Brooks Macdoald Fud Stocks & Shares ISA Trasfer Applicatio Form IFSL Brooks Macdoald Fud Stocks & Shares ISA Trasfer Applicatio Form Please complete usig BLOCK CAPITALS ad retur the completed form

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

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

Voluntary Life and AD&D Insurance

Voluntary Life and AD&D Insurance Volutary Life ad AD&D Isurace Date: March 2014 To: All JMA beefit eligible members From: Wells Fargo Isurace Services Re: Volutary Life & Accidetal Death ad Dismembermet (AD&D) isurace If you choose to

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

auction a guide to selling at Residential

auction a guide to selling at Residential Residetial a guide to sellig at auctio Allsop is the market leader for residetial ad commercial auctios i the UK Aually sells up to 700 millio of property at auctio Holds at least seve residetial ad six

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

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

Bajaj Allianz General Insurance Company Limited

Bajaj Allianz General Insurance Company Limited Bajaj Alliaz Geeral Isurace Compay Limited Regd. Office & Head Office : GE Plaza, Airport Road, Yerawada, Pue - 411 006. PROPOSAL FORM FOR OFFICE COVER Importat : This proposal for isurace will be the

More information

How to read A Mutual Fund shareholder report

How to read A Mutual Fund shareholder report Ivestor BulletI How to read A Mutual Fud shareholder report The SEC s Office of Ivestor Educatio ad Advocacy is issuig this Ivestor Bulleti to educate idividual ivestors about mutual fud shareholder reports.

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

Baan Service Master Data Management

Baan Service Master Data Management Baa Service Master Data Maagemet Module Procedure UP069A US Documetiformatio Documet Documet code : UP069A US Documet group : User Documetatio Documet title : Master 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

Domain 1: Designing a SQL Server Instance and a Database Solution

Domain 1: Designing a SQL Server Instance and a Database Solution Maual SQL Server 2008 Desig, Optimize ad Maitai (70-450) 1-800-418-6789 Domai 1: Desigig a SQL Server Istace ad a Database Solutio Desigig for CPU, Memory ad Storage Capacity Requiremets Whe desigig a

More information

auction a guide to buying at Residential

auction a guide to buying at Residential Residetial a guide to buyig at auctio Allsop is the market leader for residetial ad commercial auctios i the UK Aually sells approximately 1 billio of property at auctio i the UK Holds at least seve residetial

More information

Opioid Safe Use and Handling Guide

Opioid Safe Use and Handling Guide Helpig Patiets Safely Use Opioids Opioid Safe Use ad Hadlig Guide For additioal resources ad iformatio, visit the C.A.R.E.S. Alliace at www.caresalliace.org A Resource for Patiets Sposored by Because I

More information

Information for Programs Seeking Initial Accreditation

Information for Programs Seeking Initial Accreditation Iformatio for Programs Seekig Iitial Accreditatio Aswers to Frequetly- Asked-Questios (from www.abet.org/ew-to-accreditatio/) Assurig Quality l Stimulatig Iovatio This documet iteds to aswer may of the

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

How To Get A Kukandruk Studetfiace

How To Get A Kukandruk Studetfiace 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

Planning for Your Spine Surgery

Planning for Your Spine Surgery Plaig for Your Spie Surgery About Our Uit Welcome to Sata Moica-UCLA Medical Ceter ad Orthopaedic Hospital ad thak you for puttig your trust i us for your spie surgery ad rehabilitatio. This brochure is

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

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

Schools Guide to Disability Provisions

Schools Guide to Disability Provisions Schools Guide to Disability Provisios Advice to school cousellors, Year advisers, career advisers, STLA/support teachers ad school staff resposible for submittig applicatios for disability provisios for

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

ASSOCIATION LIFE INSURANCE THROUGH THE ISMA INSURANCE AGENCY

ASSOCIATION LIFE INSURANCE THROUGH THE ISMA INSURANCE AGENCY ASSOCIATION LIFE INSURANCE THROUGH THE ISMA INSURANCE AGENCY Thak you for your iterest i the ISMA s Group Term Life Isurace product. Per your request, please fid eclosed the followig: A product brochure

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

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

Urinary tract infections

Urinary tract infections Uriary tract ifectios T H E K I D N E Y F O U N D A T I O N O F C A N A D A 1 Uriary tract ifectios How does the uriary system work? The uriary tract is made up of the kideys, the ureters, the bladder

More information

COACHING EDUCATION PROGRAM REQUIREMENTS

COACHING EDUCATION PROGRAM REQUIREMENTS COACHING EDUCATION PROGRAM REQUIREMENTS A. COACH REGISTRATION All ice hockey coaches as well as istructors of USA Hockey programs shall be registered for the curret seaso (before the start of the seaso)

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

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

Occupational Safety and Health Act of 1970

Occupational Safety and Health Act of 1970 Occupatioal Safety ad Health Act of 1970 To assure safe ad healthful workig coditios for workig me ad wome; by authorizig eforcemet of the stadards developed uder the Act; by assistig ad ecouragig the

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

The Forgotten Middle. research readiness results. Executive Summary

The Forgotten Middle. research readiness results. Executive Summary The Forgotte Middle Esurig that All Studets Are o Target for College ad Career Readiess before High School Executive Summary Today, college readiess also meas career readiess. While ot every high school

More information

INVESTMENT PERFORMANCE COUNCIL (IPC)

INVESTMENT PERFORMANCE COUNCIL (IPC) INVESTMENT PEFOMANCE COUNCIL (IPC) INVITATION TO COMMENT: Global Ivestmet Performace Stadards (GIPS ) Guidace Statemet o Calculatio Methodology The Associatio for Ivestmet Maagemet ad esearch (AIM) seeks

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

LEASE-PURCHASE DECISION

LEASE-PURCHASE DECISION Public Procuremet Practice STANDARD The decisio to lease or purchase should be cosidered o a case-by case evaluatio of comparative costs ad other factors. 1 Procuremet should coduct a cost/ beefit aalysis

More information

Part 387. Minimum Levels of Financial Responsibility for Motor Carriers. Interstate and Intrastate Commerce

Part 387. Minimum Levels of Financial Responsibility for Motor Carriers. Interstate and Intrastate Commerce Part 387 Miimum Levels of Fiacial Resposibility for Motor Carriers Iterstate ad Itrastate Commerce 35 Part 387 Miimum Levels of Fiacial Resposibility for Motor Carriers (Iterstate ad Itrastate Commerce)

More information

Confidence Intervals. CI for a population mean (σ is known and n > 30 or the variable is normally distributed in the.

Confidence Intervals. CI for a population mean (σ is known and n > 30 or the variable is normally distributed in the. Cofidece Itervals A cofidece iterval is a iterval whose purpose is to estimate a parameter (a umber that could, i theory, be calculated from the populatio, if measuremets were available for the whole populatio).

More information

Juvenile Corrections and Mentoring

Juvenile Corrections and Mentoring TECHNICAL ASSISTANCE PROFILE Examiig the Referral Stage for Metorig High-Risk Youth I Six Differet Juveile Justice Settigs Depedecy Court, Deliquecy Court, Juveile Detetio, Juveile Correctios, Juveile

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

Revised Special Terms & Conditions

Revised Special Terms & Conditions Call: 0191 505 0033* Lies are ope betwee 9am to 6pm Moday to Friday (excludig UK bak holidays) Email us: customerservice@highyieldaccout.co.uk** Write to us: High Yield Vaquis Bak, Freepost RSGY-CKJA-BKCS,

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

St. Louis Public Schools

St. Louis Public Schools St. Louis Public Schools A Guide to Your Flexible Spedig Accout A Balaced Approach To Savig Time Ad Moey Flexible Spedig Accouts Makig the most of your moey. What if you could make your earigs stretch

More information

Impact your future. Make plans with good advice from ACT. Get Set for College 1. THINK 2. CONSIDER 3. COMPARE 4. APPLY 5. PLAN 6.

Impact your future. Make plans with good advice from ACT. Get Set for College 1. THINK 2. CONSIDER 3. COMPARE 4. APPLY 5. PLAN 6. Impact your future Get Set for College 1. THINK 2. CONSIDER 3. COMPARE 4. APPLY 5. PLAN 6. DECIDE Make plas with good advice from ACT. 1. Thik Thik about yourself ad your college eeds Do you start thigs

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

where: T = number of years of cash flow in investment's life n = the year in which the cash flow X n i = IRR = the internal rate of return

where: T = number of years of cash flow in investment's life n = the year in which the cash flow X n i = IRR = the internal rate of return EVALUATING ALTERNATIVE CAPITAL INVESTMENT PROGRAMS By Ke D. Duft, Extesio Ecoomist I the March 98 issue of this publicatio we reviewed the procedure by which a capital ivestmet project was assessed. The

More information

84 www.newcastle.edu.au CRICOS Provider Code: 00109J I UoNI 2011/0025 HOW TO APPLY

84 www.newcastle.edu.au CRICOS Provider Code: 00109J I UoNI 2011/0025 HOW TO APPLY 84 www.ewcastle.edu.au CRICOS Provider Code: 00109J I UoNI 2011/0025 HOW TO APPLY Applicatio procedure Prospective iteratioal studets iterested i applyig for admissio to a Uiversity of Newcastle degree

More information

FORM B(OTA) Application for registration as a British citizen - by: British overseas territories citizen British Overseas citizen British protected

FORM B(OTA) Application for registration as a British citizen - by: British overseas territories citizen British Overseas citizen British protected FORM B(OTA) Applicatio for registratio as a British citize - by: British overseas territories citize British Overseas citize British protected perso British subject (uder the British Natioality Act 1981)

More information

Saint Mary's College. A Guide to Your Flexible Spending Account. A Balanced Approach To Saving Time And Money

Saint Mary's College. A Guide to Your Flexible Spending Account. A Balanced Approach To Saving Time And Money Sait Mary's College A Guide to Your Flexible Spedig Accout A Balaced Approach To Savig Time Ad Moey Flexible Spedig Accouts Makig the most of your moey. What if you could make your earigs stretch further?

More information

II. Goals of the Sentinel Event Policy

II. Goals of the Sentinel Event Policy Setiel Evets (SE) I. Setiel Evets I support of its missio to cotiuously improve the safety ad quality of health care provided to the public, The Joit Commissio i its accreditatio process reviews hospitals

More information

A GUIDE TO BUILDING SMART BUSINESS CREDIT

A GUIDE TO BUILDING SMART BUSINESS CREDIT A GUIDE TO BUILDING SMART BUSINESS CREDIT Establishig busiess credit ca be the key to growig your compay DID YOU KNOW? Busiess Credit ca help grow your busiess Soud paymet practices are key to a solid

More information

ADMISSION AND REGISTRATION

ADMISSION AND REGISTRATION 14 Admissio ad Registratio 2 C H A P T E R ADMISSION AND REGISTRATION ADMISSION INFORMATION Admissio to Ohloe College is ope to ayoe who is a high school graduate, has a high school equivalecy certificate

More information

Analyzing Longitudinal Data from Complex Surveys Using SUDAAN

Analyzing Longitudinal Data from Complex Surveys Using SUDAAN Aalyzig Logitudial Data from Complex Surveys Usig SUDAAN Darryl Creel Statistics ad Epidemiology, RTI Iteratioal, 312 Trotter Farm Drive, Rockville, MD, 20850 Abstract SUDAAN: Software for the Statistical

More information

Alcohol and drugs: JSNA support pack

Alcohol and drugs: JSNA support pack Alcohol ad drugs: JSNA support pack Key data to support plaig for effective alcohol prevetio, treatmet ad recovery SUFFOLK SUFFOLK SUPPORTING INFORMATION The health harms associated with alcohol cosumptio

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

1 Correlation and Regression Analysis

1 Correlation and Regression Analysis 1 Correlatio ad Regressio Aalysis I this sectio we will be ivestigatig the relatioship betwee two cotiuous variable, such as height ad weight, the cocetratio of a ijected drug ad heart rate, or the cosumptio

More information

Eglad Data - A New Generation Of Risk

Eglad Data - A New Generation Of Risk Alcohol ad drugs: JSNA support pack Key data to support plaig for effective alcohol prevetio, treatmet ad recovery ROTHERHAM ROTHERHAM SUPPORTING INFORMATION The health harms associated with alcohol cosumptio

More information

Domain 1: Configuring Domain Name System (DNS) for Active Directory

Domain 1: Configuring Domain Name System (DNS) for Active Directory Maual Widows Domai 1: Cofigurig Domai Name System (DNS) for Active Directory Cofigure zoes I Domai Name System (DNS), a DNS amespace ca be divided ito zoes. The zoes store ame iformatio about oe or more

More information

Assessment of the Board

Assessment of the Board Audit Committee Istitute Sposored by KPMG Assessmet of the Board Whe usig a facilitator, care eeds to be take if the idividual is i some way coflicted due to the closeess of their relatioship with the

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

Application for Divorce Kit

Application for Divorce Kit FAMILY COURT OF AUSTRALIA FEDERAL CIRCUIT COURT OF AUSTRALIA Applicatio for Divorce Kit www.federalcircuitcourt.gov.au www.familycourt.gov.au o the websites 1300 352 000 It is importat to read this kit

More information

Planning for Your Hip Replacement Surgery

Planning for Your Hip Replacement Surgery Plaig for Your Hip Replacemet Surgery About Our Uit Welcome to Sata Moica-UCLA Medical Ceter ad Orthopaedic Hospital ad thak you for puttig your trust i us for your hip surgery ad rehabilitatio. This brochure

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

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

Paramount Insurance Company Small/Large Group Ohio Commercial FLEX Network Benefits Member Handbook

Paramount Insurance Company Small/Large Group Ohio Commercial FLEX Network Benefits Member Handbook Paramout Isurace Compay Small/Large Group Ohio Commercial FLEX Network Beefits Member Hadbook www.paramoutisuracecompay.com Paramout is the health isurace optio that offers a diverse lie of products, a

More information

Lesson 17 Pearson s Correlation Coefficient

Lesson 17 Pearson s Correlation Coefficient Outlie Measures of Relatioships Pearso s Correlatio Coefficiet (r) -types of data -scatter plots -measure of directio -measure of stregth Computatio -covariatio of X ad Y -uique variatio i X ad Y -measurig

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

Investing in Stocks WHAT ARE THE DIFFERENT CLASSIFICATIONS OF STOCKS? WHY INVEST IN STOCKS? CAN YOU LOSE MONEY?

Investing in Stocks WHAT ARE THE DIFFERENT CLASSIFICATIONS OF STOCKS? WHY INVEST IN STOCKS? CAN YOU LOSE MONEY? Ivestig i Stocks Ivestig i Stocks Busiesses sell shares of stock to ivestors as a way to raise moey to fiace expasio, pay off debt ad provide operatig capital. Ecoomic coditios: Employmet, iflatio, ivetory

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

Hypergeometric Distributions

Hypergeometric Distributions 7.4 Hypergeometric Distributios Whe choosig the startig lie-up for a game, a coach obviously has to choose a differet player for each positio. Similarly, whe a uio elects delegates for a covetio or you

More information

Analysis of 24/7 Sobriety Program SCRAM Participant DUI Offense Recidivism

Analysis of 24/7 Sobriety Program SCRAM Participant DUI Offense Recidivism Moutai Plais Evaluatio, LLC Aalysis of 24/7 Sobriety Program SCRAM Participat DUI Offese Recidivism Prepared for: Marty J. Jackley, Attorey Geeral South Dakota Lee Axdahl, Director Office of Highway Safety

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

How To Write A Privacy Policy For A Busiess

How To Write A Privacy Policy For A Busiess 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

A Parent s Guide To Understanding Student Discipline Policies and Practices In Virginia Schools

A Parent s Guide To Understanding Student Discipline Policies and Practices In Virginia Schools A Paret s Guide To Uderstadig Studet Disciplie Policies ad Practices I Virgiia Schools OH o, How could this happe? what should I do? Virgiia Departmet of Educatio The Paret Guide to Uderstadig Studet Disciplie

More information

Financial. Services Guide. Adviser: Graeme Hood CD, Dip FP, CFP Date of Preparation: 21/11/2005. Head Office Address:

Financial. Services Guide. Adviser: Graeme Hood CD, Dip FP, CFP Date of Preparation: 21/11/2005. Head Office Address: Fiacial Services Guide Adviser: Graeme Hood CD, Dip FP, CFP Date of Preparatio: 21/11/2005 Head Office Address: Fiacial Wisdom Limited (ABN 70 006 646 108) Australia Fiacial Services Licece No. 231138

More information

Chronic Kidney Disease

Chronic Kidney Disease Chroic Kidey Disease What Does it Mea for Me? Natioal Kidey Disease Educatio Program Chroic Kidey Disease: The Basics You ve bee told that you have chroic kidey disease (CKD). What does that mea? Ad what

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

Saudi Aramco Suppliers Safety Management System

Saudi Aramco Suppliers Safety Management System Saudi Aramco Suppliers Safety Maagemet System SAFETY is Protectio (if oly we follow the rules) ''To live each day ijury ad violatio free, o ad off the job'' Foreword Foreword Saudi Aramco has developed

More information

Evidence requirements guide June 2016

Evidence requirements guide June 2016 INTERMEDIARIES & INVESTMENT PROFESSIONALS ONLY: NOT FOR PUBLIC DISTRIBUTION Page1of6 Evidece requiremets guide Jue 2016 The followig tables show our stadard documetatio requiremets for evidece. Sectio

More information

Pre-Adjudicatory Procedures 7 Summary of Cotets This chapter explores a variety of prelimiary matters that must be addressed prior to adjudicatio hearigs, icludig petitio filig ad cotet requiremets, the

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

How deductible plans work

How deductible plans work Idividual ad Family Plas DEDUCTIBLE PLANS How deductible plas work Deductible plas geerally offer lower mothly premiums i exchage for payig more out of your ow pocket for services covered by your health

More information

There s Wealth in Our Approach.

There s Wealth in Our Approach. Electroic Fud Trasfers/ Automated Clearig House Services There s Wealth i Our Approach. A divisio of RBC Capital Markets, LLC, Member NYSE/FINRA/SIPC. Electroic Fud Trasfers/Automated Clearig House Services

More information

.04. This means $1000 is multiplied by 1.02 five times, once for each of the remaining sixmonth

.04. This means $1000 is multiplied by 1.02 five times, once for each of the remaining sixmonth Questio 1: What is a ordiary auity? Let s look at a ordiary auity that is certai ad simple. By this, we mea a auity over a fixed term whose paymet period matches the iterest coversio period. Additioally,

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

Safeguarding Children with Drug and Alcohol Using Parents

Safeguarding Children with Drug and Alcohol Using Parents Safeguardig Childre with Drug ad Alcohol Usig Parets Practice Guidace for all Agecies Produced by Nottighamshire ad Nottigham City Safeguardig Childre Boards. First Issued February 2004 Revised Editio

More information

Comparing Credit Card Finance Charges

Comparing Credit Card Finance Charges Comparig Credit Card Fiace Charges Comparig Credit Card Fiace Charges Decidig if a particular credit card is right for you ivolves uderstadig what it costs ad what it offers you i retur. To determie how

More information

Week 3 Conditional probabilities, Bayes formula, WEEK 3 page 1 Expected value of a random variable

Week 3 Conditional probabilities, Bayes formula, WEEK 3 page 1 Expected value of a random variable Week 3 Coditioal probabilities, Bayes formula, WEEK 3 page 1 Expected value of a radom variable We recall our discussio of 5 card poker hads. Example 13 : a) What is the probability of evet A that a 5

More information

Paramount Insurance Company Small/Large Group Ohio Commercial HMO Member Handbook

Paramount Insurance Company Small/Large Group Ohio Commercial HMO Member Handbook Paramout Isurace Compay Small/Large Group Ohio Commercial HMO Member Hadbook www.paramoutisuracecompay.com Paramout is the health isurace optio that offers a diverse lie of products, a broad provider etwork,

More information

ADMISSION AND REGISTRATION

ADMISSION AND REGISTRATION 15 Admissio ad Registratio 2 C H A P T E R ADMISSION AND REGISTRATION ADMISSION INFORMATION Admissio to Ohloe College is ope to ayoe who is a high school graduate, has a high school equivalecy certificate

More information

BUY TO LET MORTGAGE APPLICATION FORM

BUY TO LET MORTGAGE APPLICATION FORM BUY TO LET MORTGAGE APPLICATION FORM STAGE 2 OF 2 Please submit Stage 2 form to upgrade to full applicatio oce customer has read ad accepted the Mortgage Illustratio. Please complete this page if form

More information