Facts Every Injured Worker Should Know
by Ava Gavilan
"An easy to read book for workers injured in the state of California, written in simple terms, filled with over 100 pages of important facts, helpful tips, and simple explanations of the law to help you take control of your claim and receive all the benefits that you are entitled to. Written by an experienced claim specialist with an inside perspective to how a worker's compensation insurance company operates-what they do, and why they do what they do. Covers every aspect of the worker's compensation process, such as:
- Selecting a doctor of your choice
- Getting ALL the monetary benefits you are entitled to
- Resolving a dispute with the insurance company
- Getting ALL the medical treatment you deserve
- Settling your claim for the highest possible value, and
- Everything else you ever wanted to know about your rights!
"Includes all the official forms and instructions necessary to file a claim, settle a claim and to file a petition to have a hearing before a worker's compensation judge."
The Fair Value of Insurance Business (The New York University Salomon Center Series on Financial Markets and Institutions, V. 5)
by Irwin T. Vanderhoof (Editor), Edward I. Altman (Editor)
"Insurance companies, as well as banks and thrift institutions, have traditionally reported assets and liabilities on the basis of their amortized cost, or book value. But following the turmoil in securities markets due to highly volatile interest rate fluctuations in the 1980s and the early 1990s, and problems caused by inadequate liquidity, in the mid-1990s the Financial Accounting Standards Board
(FASB) issued a new ruling calling for financial intermediaries to report the fair, or market, value of most assets. Called FAS 115, this new standard is the first step in the eventual change to valuing all the assets and liabilities belonging to financial intermediaries under the fair value accounting method. Thus, these changes will pose tremendous future implications for three key business measures of a financial intermediary: + Solvency: if the fair values of assets and liabilities are out-of-step, then healthy companies may report negative net worth and insolvent companies may appear to be in sound financial condition. + Reported Earnings: if the fair values of assets and liabilities are out of step, then reported earnings will not accurately represent the financial operations of the company. + Risk Management:
FASB recently postponed the implementation of its new rules on accounting for the use of derivatives instruments. However, if the final set of rules for figuring the fair value of derivatives is not carefully crafted, it may be possible that companies prudently hedging their risks are subject to penalties in their financial reports, while companies taking greater risks appear to have less volatile financial performance.
Compared to banks and other financial intermediaries, life insurance companies have the longest term and most complex liabilities, and hence the new FASB requirement poses the most severe challenges to the life insurance industry. The lessons learned from the debate among life insurance academics and professionals about how respond to the fair value reporting rule will be instructive to their counterparts in other sectors of the insurance industry, as well as those involved with other financial institutions. Of particular note are the two papers which comprise Part III. The first provides examples of the fair valuing of annuity contracts, while the second offers examples of the fair valuing of term insurance products. As the papers collected in The Fair Value of Insurance Business extend and update some of the issues treated in a previous Salomon Center conference volume, The Fair Value of Insurance Liabilities, this new volume may be viewed as a companion to the earlier book."
Fight Back and Win: How to Get Hmo's and Health Insurance to Pay Up
by William M. Shernoff
"The health care system in this country is broke; and more than ever, the evidence supports the contention that managed health care providers care more about healthy profits than healthy people. FIGHT BACK AND WIN is a practical how-to for all those Americans who worry that their heath care coverage won't be there when they need it. Chapters include:
- How to Get Your HMO to Pay Up
- Bothersome HMO Traps to Watch Out For
- Practical Tips to Follow so that You Don't End Up in an HMO Dispute
- Legal Tips to Follow if Your Claim Is Denied
- How Ordinary People Fought HMOs. . .and Won
- Answers to the 9 Most Commonly Asked Coverage Questions
- The Awful ERISA Scandal
- Sample Letter to Your Member of Congress
- Insurance Traps that Can Effectively Cancel Your Coverage
- What Your Insurance Company Won't Tell You
- What to Do if an Insurance Company Tries to Rescind Your Policy and more.
Financial Management of Health Care Organizations: An Introduction to Fundamental Tools, Concepts, and Applications
by William N. Zelman, Michael J. McCue, Alan R. Millikan
From Book News, Inc.
"An introduction to the tools of health care financial management, such as financial statements, managing cash, billings and collections, cost analysis, budgeting, performance measurement, and pricing. Contains examples from a variety of providers including HMOs, home health agencies, nursing units, hospitals, and integrated health care systems..."
Book News, Inc.®, Portland, OR
Fundamentals of Risk and Insurance
by Emmett J. Vaughan, Therese M. Vaughan
"This classic, comprehensive book is divided into three sections.
The first section examines the concept of risk, the nature of the insurance device, and the principles of risk management. This section also provides an overview of the insurance industry. The second section examines the traditional fields of life and health insurance as solutions to the risks connected with the loss of income. The Social Security system, workers compensation, and other social insurance coverages are discussed. The final section deals with the risks associated with the ownership of property and legal liability. Updated to reflect the changes in the field of insurance since 1996, and a listing of Web sites of interest."
