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	Should the Federal Government Backstop Insurance Industry Terrorism Coverage? (Site not responding. Last check: 2007-10-13)
		Insurance company policy forms are regulated in each state, most of which require that forms cannot be changed without the approval of the state insurance departments.
		Insureds that can get government insurance at less than market costs have reduced incentives to take steps to minimize their exposure to loss - and it is the taxpayers who pay for this.
		State insurance regulation of rates and forms would be overridden to provide more appropriate pricing for higher risk insureds (less cross-insured subsidization) and so terrorism coverage could be tailored and made uniform throughout the country and for insurers, reinsurers, and government coverage alike.
	www.fed-soc.org /Publications/Terrorism/insurance1.htm (4054 words)

	The Federalist Society (Site not responding. Last check: 2007-10-13)
		To keep these people from having to self-insure terrorism risk, the insurance industry proposes transferring that risk to the taxpayers, most of whom are far less wealthy than the beneficiaries, are not proper subjects to bear terrorism risk at all, and have never agreed to bear or been compensated for bearing that risk.
		The insurance industry proposal might have appeal if it were but a small step from private insurance for terrorist acts to government insurance, with the Government intervening simply to provide the required breadth of risk sharing.
		While private insurance and Government-forced risk allocation may look very similar to a property owner buying something named an "insurance policy" in either case, in fact Government-forced risk allocation is not close to or similar in any way to the voluntary private arrangements that go by the name insurance.
	www.fed-soc.org /Publications/Terrorism/insurance.htm (3574 words)

	Car Insurance - Wikicars
		Depending on the jurisdiction, the insurance premium can be either mandated by the government or determined by the insurance company in accordance to a framework of regulations set by the government.
		Several car insurance plans rely on a reasonable estimation of the average annual distance expected to be driven which is provided by the insured.
		Insurance automatically ends when the odometer limit (recorded on the car’s insurance ID card) is reached unless more miles are bought.
	wikicars.org /en/Car_Insurance (1883 words)

	ABC News: Taxpayers Get Soaked by Government's Flood Insurance
		Private insurance companies were reluctant to sell insurance to those of us who build on the edges of oceans, and were they to offer it, they'd charge an arm and a leg to cover the risk.
		The subsidized insurance goes to affluent homeowners on both coasts from Malibu Beach, where movie stars live, to Kennebunkport where the Bush family has a vacation home, to Hyannisport, where the Kennedy family has a summer home, to the Hamptons, where I bought my house.
		The cheap insurance encouraged more people to build on the beach, so the insurance risk is now huge.
	abcnews.go.com /Business/Insurance/story?id=94181 (983 words)

	Classification Manual - Chapter 11: Social Insurance Trust Systems
		A state government insurance plan to protect homeowners against certain catastrophic risks, either because private insurance is unavailable or unaffordable, would meet the social criteria test and would be classified as an insurance trust as long as it met the other four criteria.
		This category covers retirement systems sponsored by a recognized unit of government whose membership is comprised primarily of public employees compensated with public funds and which holds identifiable assets to finance retirement and associated benefits.
		Insurance trust finances are among the most complicated in the field, partly as a result of the large amount of intragovernmental transactions as well as the sophisticated but complex investments in which they engage.
	www.census.gov /govs/www/class_ch11.html (2895 words)

	USATODAY.com - Flood insurance available if you're rich (Site not responding. Last check: 2007-10-13)
		For the first time, a handful of insurance companies are rolling out comprehensive flood insurance in the USA — but only to a limited population of people with expensive homes who don't live in the highest-risk flood areas.
		Flood insurance, for decades offered only by the federal government, covers water damage that seeps in from the bottom of a house; general homeowner policies typically cover only wind and rain damage that comes in through other parts of a house.
		(The government's insurance provides only up to $250,000 in flood damage to the structure and $100,000 in damage to its contents.) But some private insurers are now betting they'll be able to profit by offering higher-priced policies in areas less prone to floods.
	www.usatoday.com /money/industries/insurance/2006-06-09-flood-insurance-usat_x.htm (447 words)

	Buying For Government - Insurance Guidelines (Site not responding. Last check: 2007-10-13)
		Insurance requirements are included in contracts to ensure that the consultant has the financial resources to respond to claims where it is found liable.
		The advantages of this arrangement are that contractors' insurance cover is on terms known and satisfactory to the Government, and contractors cannot default on the premium and the insurance.
		Insurance for roads and bridges works is managed and paid for by the Department of Infrastructure, Energy and Resources.
	www.purchasing.tas.gov.au /buyingforgovernment/getpage.jsp?uid=6A49E5FB3F6BFD2ECA256C92002235F9 (1134 words)

	Hernando: To fight insurance crisis, government must step in
		In this region, I have noticed the insurance debacle seems to be a frequent topic of conversation.
		Interestingly, government is seldom blamed for the problem, which might seem like good news for government officials, but then again, no one really seems to be receiving blame.
		Government should act to help in situations such as this, but it appears that government is not doing anything.
	www.sptimes.com /2006/07/09/Hernando/To_fight_insurance_cr.shtml (587 words)

	Thrivent Financial for Lutherans - Insurance - Long Term Care Insurance
		Medicare, the federal health insurance program for people age 65 or older, and certain disabled individuals under the age of 65, is not designed to cover long-term care expenses.
		Please be aware that the federal government has passed legislation to discourage asset transfers to qualify for Medicaid, including look-back periods and penalty periods.
		Insurance, investment products, securities, trust, and investment management services and accounts are not deposits, are not FDIC insured, are not insured by any federal government agency, and are not guaranteed by Thrivent Financial Bank.
	www.thrivent.com /insurance/longterm/government.html (637 words)

	Making Economic Sense
		One of Ludwig von Mises's keenest insights was on the cumulative tendency of government intervention.
		Theft is theft, and fire is fire, so that fire or theft insurance is fairly clear-cut the only problem being the "moral hazard" of insurees succumbing to the temptation of burning down their own unprofitable store or apartment house, or staging a fake theft, in order to collect the insurance.
		Thus through the Flexner Report, the AMA was able to use government to cartelize the medical profession: to push the supply curve drastically to the left (literally half the medical schools in the country were put out of business by post-Flexner state governments), and thereby to raise medical and hospital prices and doctors' incomes.
	www.mises.org /econsense/ch20.asp (1186 words)

	Veterans Life Insurance - Military Benefits - Military.com
		Prior to making a transition from military service, it is important to make arrangements for adequate health care insurance for you and your family.
		Policyholders with WWII National Service Life Insurance (V) can use their dividends to purchase additional paid-up coverage, permitting insureds to have more than $10,000 coverage.
		Policyholders may borrow up to 94 percent of the cash surrender value of their permanent plan on insurance and continue the insurance in force by payment of premiums.
	www.military.com /benefits/veteran-benefits/veterans-life-insurance (1049 words)

	Flood Insurance
		This insurance is designed to provide an insurance alternative to disaster assistance to meet the escalating costs of repairing damage to buildings and their contents caused by floods.
		Some insurance companies actually issue the flood insurance policies, in partnership with the federal government, as a service and convenience for their policyholders.
		If your agent or insurance company is not in the WYO program you may be referred to another agent or insurance company involved in the program.
	www.insurance.wa.gov /factsheets/factsheet_detail.asp?FctShtRcdNum=24 (564 words)

	Learn about insurance coverage for Depression treatments (Site not responding. Last check: 2007-10-13)
		Government Insurance:Local, state and federal government agencies have subsidized insurance programs for the disabled, for low-income individuals and for the elderly.
		Many Americans do not fully understand everything offered by their health insurance policies (either indemnity or managed care) and therefore do not always receive the benefits to which they are entitled.
		Federal health insurance: If you meet the income requirements, you could qualify for free medical care through federally funded insurance such as Medicaid, which is administered through your state.
	www.paxilcr.com /Insurance_Coverage_For_Depression.jsp (1088 words)

	Government Sponsored Insurance
		If you have national insurance from another country please refer to option 2 listed under "How to clear your insurance hold.".
		If you have national insurance from another country, please provide proof of your coverage to the Student Health Services for approval.
		By signing the affidavit, the insurance company or employer, through its representative, assumes all responsibility for appraising compliance.
	www.sfsu.edu /~shs/insurance/government.htm (258 words)

	Maryland Municipal League - Insurance Programs
		The Local Government Insurance Trust (LGIT) is a joint association of Maryland local governments formed to provide insurance coverages and risk management services.
		Membership in the Trust is limited to Maryland local governments that are members of the Maryland Association of Counties (MACO), The Maryland Municipal League (MML) or Maryland public entities sponsored by a local government that is a Trust member.
		Unemployment insurance was created to pay benefits to workers who "lost work through no fault of their own." However, many mistakes are made and this can cost thousands of dollars per claim.
	www.mdmunicipal.org /services/insurance.cfm (1206 words)

	Government Affairs: Insurance Coverage for Terrorist and War Scenarios
		The insurance industry has testified before Congress that future terrorist acts may be construed as an act of war, and that coverage of these acts will cease unless the Government agrees to help support the potential burden on their industry.
		NAIOP believes that the Federal Government must play a role in ensuring that commercial property owners can continue to obtain coverage for damage due to acts of terrorism.
		A updated comparison of key features of the Senate and House of Representatives Terrorism Insurance proposals, noting which is accepted in the proposed conference committee compromise.
	www.naiop.org /governmentaffairs/issues/terrorisminsurance.cfm (517 words)

	Testimony Submitted to the Senate
		First, insuring access to early and ongoing pregnancy-related care for women in all ethnic and racial groups must be the first step in any efforts to reduce overall rates of maternal mortality and morbidity, and to erase the disparity between the quality of care received by women of color and white women.
		Second, by insuring only the fetus, it is unclear whether the regulation authorizes insurance coverage for pregnant women for medical treatments that do not have a direct impact on the well-being of the fetus.
		By providing insurance for the fertilized egg or fetus, but not for the woman herself, this regulation denigrates women - treating them as mere vessels for a fetus, undeserving of health care in their own right.
	www.crlp.org /hill_ltr_1024preg.html (2111 words)

	Should the government guarantee insurance coverage for computer infrastructure? - CSO Talk Back
		With the government now both requiring the coverage be offered and providing a safety net for insurers in case terrorism-related damages are impossible to cover, stalled projects can get underway and new ones can be broached.
		Government intervention at this time would be detrimental to the development of this young market—it would address effects, rather than root causes.
		In an ongoing relationship of this nature, the insurance industry will have better loss control assurance and clients will be able to provide evidence that they are indeed sustainable, better-than-average risks and therefore qualify for more reasonable premiums.
	www.csoonline.com /talkback/120902.html (1075 words)

	Guardian Disability Insurance - for Government Employees
		As a result of the FERS program most major insurance companies have stopped offering long term disability insurance to any state, local, or federal government employees.
		As we only have one disability insurance quote request form on our web site, we ask that when you fill out the request you please identify yourself as working for the government.
		Mass Mutual has a disability insurance policy called "The Radius" which is an income-replacement contract, and does not provide pure own-occupation benefits, however it is better than having all of your disability coverage rely on the FERS disability insurance program.
	www.disabilityquotes.com /occupations/government.cfm (307 words)

	Auto Insurance (Site not responding. Last check: 2007-10-13)
		Mark E. Jones, CEO of TWG Insurance, explains, "We believe that a key driver of our growth is the fact that we have consistently saved our new clients an average of over 30% annually on their auto insurance.
		The association is not against private-sector insurance, he added, but is simply looking for the best deal for consumers.
		The New York auto insurance market was the next logical step, and we are fully committed to building a great business there for our clients.
	www.1autoinsurance.org (610 words)

	Automobile Insurance - Government of Alberta - Home Page
		A three-level process has been established to resolve consumer concerns with their premiums during the transition to the new system.
		It is designed to help consumers who believe their premium is being incorrectly calculated, or that inappropriate rating criteria are being used to determine the premium.
		The diagnosis and treatment of injuries has been improved by putting patients and their preferred health practitioner in charge of a streamlined and effective treatment process for minor injuries.
	www.autoinsurance.gov.ab.ca (301 words)

	Electronic Privacy Information Center
		The state legislature passed a resolution stating that the "Maine State Legislature refuses to implement the REAL ID Act and thereby protest the treatment by Congress and the President of the states as agents of the federal government." The resolution also asks Congress to repeal the law.
		The DHS report follows a 2005 Government Accountability Office statement and documents obtained by EPIC in 2004 which revealed that the government airline screening system would make extensive use of commercial data without informing the public as required by law.
		EPIC is a public interest research center in Washington, D.C. It was established in 1994 to focus public attention on emerging civil liberties issues and to protect privacy, the First Amendment, and constitutional values.
	www.epic.org (1260 words)

	Health Insurance
		Whether an individual has health insurance or not is an important factor in a person’s health status and access to quality health care.
		Expand employment-based coverage by requiring employers to offer coverage or contribute to insurance pools; though controversial and subject to some adverse side effects, this reform is the most effective way to expand coverage within the private, employment-based insurance system.
		The compendium is divided into two sections, one that provides strategies used to increase enrollment in public health care insurance programs, and one that describes community-based projects aimed at increasing access to primary and preventive care for children.
	aspe.hhs.gov /ezec/issues/insurance.htm (2945 words)

	Local government (Insurance) \| Business solutions from AllBusiness.com (Site not responding. Last check: 2007-10-13)
		The Health Insurance Portability and Accountability Act of 1996, known as HIPAA, was passed to protect the health insurance benefits of workers and their families...
		If you don't want to run afoul of various government agencies, you have to be well organized...
		The one constant is change in local government insurance.
	www.allbusiness.com /local-government/3201694-1.html (773 words)

	GMHC: Government Insurance and Benefits
		Dealing with insurance and benefits can be very stressful for a person living with HIV or AIDS.
		GMHC can help you understand and apply for the different government entitlement programs that are available to you.
		Bear in mind that advocacy groups do not control the granting of benefits; various agencies governed by federal, state and local laws are responsible for this.
	www.gmhc.org /policy/benefits.html (343 words)

	Saskatchewan Government Insurance Support
		The Saskatchewan Government Insurance Driver Examiners will visit the school upon request to administer vision tests or they may be able to make a public relations presentation to a class.
		When vision screening and identification checks are administered at a high school by the driver examiner, the students will be required to show a completed DEC and proof of name and age by providing two pieces of identification that has their name, date of birth and signature on the document.
		A Saskatchewan Government Insurance photo I.D. Card costs $12.00 and is available from more than 500 SGI Motor Licence issuers across the province.
	www.sasked.gov.sk.ca /docs/drivered/admin/sgisupport.html (2092 words)

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